Investment Loans
We have access to hundreds of Investment Loan options, let us help you with your loan
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.
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.
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.
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.
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.
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.
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.
Elyse was a dream to work with. Handling everything for our new home loan, making everything so stress free and easy from the very first appointment to settlement. Communication was seamless. We really appreciate having you in our corner for this big life transition for us! Highly recommend.
Stacey Dick
We recently purchased our first house with Empire Finance as our brokers and all I can say is I know for a fact with any other brokers I would not of ended up with our first house. In a situation that was overwhelming and frustrating as a first time buyer Jay from Empire Finance was readily available to help us and walk us through all the complications we had. To top it off he got me a lower interest rate than what we were quoted from a large company. My family and I cannot thank Jay enough for all he done for us to get us in our first home and being interstate. The best part the communication hasn't stopped post settlement. Highly recommend this legend. Thanks again mate will definitely be back for our first investment property. ZM
Zak Menhennett
Jay and his team were nothing short of amazing! Everything you could want in a mortgage broker – efficient, knowledgeable and genuinely caring. What stood out most was that they treated us like people trying to purchase our family home, rather than just another transaction or dollar sign. We couldn’t be happier with the service and support we received throughout the process. We would highly recommend Jay and his team to anyone looking for a mortgage broker!
Narelle Foy
We can't recommend Jay Nash at Empire Finance highly enough! Jay has been fantastic to deal with, helping us navigate the finance process for our commercial property. His knowledge and experience really stood out, and he took the time to understand our circumstances and work through the options available to us. What we appreciated most was his straightforward approach, excellent communication and genuine willingness to help. Nothing was ever too much trouble, and he made what could have been a complicated process feel much easier. It's great to have someone local with Jay's level of expertise who genuinely cares about achieving the right outcome for his clients. A big thank you to Jay and the team at Empire Finance. We wouldn't hesitate to recommend them to anyone looking for a knowledgeable, reliable and approachable finance broker!
Emma Doller
Jay has been amazing! Has gone above and beyond to explain everything in detail and simplify it so I would get a better understanding of it all. Not only does he care about finding you the best deal but genuinely cares about you as a person. Would highly recommend to those who are in need of an unreal and trustworthy broker. Will be dealing with Jay and the team at empire finance from now on. Very professional.
Mitch Mckenzie
honestly couldn’t recommend Elyse highly enough! From the very beginning, she was incredibly supportive, helpful and always there to answer my many questions throughout the process of buying my first home. Elyse went above and beyond to keep everything moving and pushed things along wherever she could, which helped make the whole process happen so quickly. I always felt like I had someone in my corner who genuinely wanted to help me achieve my goal. Buying my first home was such a huge dream for me, and I’m so grateful to Elyse for the part she played in helping me make that dream a reality. Thank you so much for everything, Elyse. I couldn’t have asked for a better broker to guide me through such an exciting milestone. ❤️🏡🔑
Brittany Sutton
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending a variety of Home Loan options for our clients.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
J & K Nash Pty Ltd ATF Nash Family Trust ABN: 43 846 394 026. Credit Representative #566001 is authorised under Australian Credit Licence #389328
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. These testimonials were given by our customers. They are individual experiences of our customers that have used our service. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
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