Investment Loans

Whether it's your first investment property or a portfolio, we're here to help

Welcome to Empire Finance Mortgage Brokers, your trusted partner for accessing investment loan options from banks and lenders across Australia. Whether you are a resident of Shepparton, Victoria or exploring property investments in other parts of the country, we are here to help you navigate the property market with ease. Our commitment is to assist you in building a robust investment property portfolio by providing expert advice on interest rates, loan amounts, and all aspects of the investment loan application process.

Understanding investment loans is essential when buying a home or making property investments. One of the first factors to consider is the interest rate. You have choices between a variable interest rate, which can fluctuate over time, and a fixed interest rate that offers consistency in your repayments. Each option has its advantages depending on your financial situation and future plans. At Empire Finance Mortgage Brokers, we analyse your circumstances to recommend the best investment loan options tailored to your needs. We also look into offering potential interest rate discounts, making it more feasible for you to maximise your borrowing capacity.

Another critical component of applying for an investment loan is understanding the lenders mortgage insurance (LMI) and loan to value ratio (LVR). LMI may be required if your deposit is less than 20 percent, but it can also allow you to enter the property market sooner. The LVR, on the other hand, helps determine how much you can borrow based on the property's value. Our brokers guide you through these calculations, ensuring that you have clarity on how much you can comfortably borrow without overextending your finances. We evaluate your credit history and bank statements to ensure that your application process is smooth and efficient.

When considering your first investment property or expanding your portfolio, it is important to factor in costs such as stamp duty. We assist you in calculating investment loan repayments while keeping these additional costs in mind. By providing a streamlined application process, we eliminate unnecessary stress and help you focus on achieving your investment goals. Our team works diligently to present you with a comprehensive overview of available investment loan options, supporting you every step of the way.

Empire Finance Mortgage Brokers is proud to serve the community of Shepparton and beyond. Our deep understanding of the local and national property markets allows us to offer insights that are both relevant and actionable. Whether you are applying for an investment loan for the first time or are a seasoned investor, our personalised service ensures that you feel supported throughout the journey.

Reach out to Empire Finance Mortgage Brokers today to discuss your investment loan options. Our expert team is ready to assist with any queries related to interest rates, credit history, or calculating repayments. Let us help you turn your property investment dreams into reality with confidence and ease.

Our Lending Process

Step 1: Have a Chat With Us

Everything starts with a conversation. Give Jay and the team a call, book a free appointment online, or pop into our Shepparton office. This first chat is all about getting to know you, what you're looking to achieve, and where you're at right now. There's no jargon, no pressure, and no silly questions. Whether you're a first home buyer who's just starting to explore your options or a seasoned investor looking at your next move, we'll take the time to listen and understand what matters to you.

Step 2: Understanding Your Full Picture

Every person's situation is different, and we treat it that way. We'll walk you through exactly what information is needed, things like your income, expenses, assets, and any existing debts, and help you pull it all together. If anything feels confusing along the way, we explain it in plain language so you always know where you stand. The goal here is to get a clear and accurate view of your borrowing position, so we can put the right options in front of you.

Step 3: Finding the Right Loan for You

This is where having a broker on your side really counts. With access to hundreds of products from a wide panel of trusted lenders, including the major banks, credit unions, and specialist lenders, we do the legwork so you don't have to. We compare loan features, rates, and structures to find what genuinely suits your circumstances and goals. We'll present you with a shortlist of strong options and walk you through the pros and cons of each, so you can make a confident and informed decision. No one-size-fits-all here.

Step 4: Submitting Your Application

Once you've chosen the right loan, we handle the heavy lifting. Our team prepares and lodges your application with the lender, making sure everything is accurate, complete, and presented in the strongest possible way. Throughout this stage, we keep you updated at every turn, so you're never left in the dark wondering what's happening behind the scenes. If the lender needs anything extra, we're onto it straight away.

Step 5: Approval and Settlement

When your loan is approved, we walk you through the offer documents and make sure you understand every detail before you sign. From there, we coordinate with your solicitor or conveyancer, the lender, and any other parties involved to keep settlement on track and on time. If anything crops up along the way, our team handles it quickly and keeps things moving smoothly right through to the finish line.

Step 6: After Settlement, the Relationship Really Begins

At Empire Finance, settlement isn't the end of the road. It's actually where the real relationship starts. Jay and the team stay in touch with you well after the dust settles, checking in regularly to make sure your loan is still working hard for you as your life and circumstances change. Whether it's reviewing your rate down the track, chatting about your next property move, helping with equipment finance for the business, or simply catching up, we're in your corner for the long haul. You're not just a file number here. You're part of the community we're proud to serve across Shepparton, Cobram, Echuca, Wangaratta, Seymour, and right throughout regional Victoria.