Investment Loan Refinancing


Property investment is one way to help grow your wealth. If the loan you have for your investment property is costing more than it should, then it might be time to refinance. Ask yourself this, are you seeking an investment loan that offers flexibility over the lifetime of your investment or you’ve had your loan for a while without reviewing it? If the answer is yes to either of these, then investment loan refinancing might be for you.

What You Need To Know About Refinancing Investment Loans

You can refinance investment property loans just like any other home loan. While it may seem intimidating, refinancing your investment loan can be quite straightforward. Refinancing can help you to access any equity you may have in the property. It can also allow you to lower your repayments by gaining a more competitive interest rate.

If you’ve had your Investment property for a while without reviewing your loan consider the following questions: 

  •   Has your financial situation changed since you first took out your loan?
  •   Are you paying too much interest on your investment property loan?
  •   Do you think you can get a more competitive offer?
  •   Do you want to consolidate multiple debts?
  •   Do you own 80% or more of your property value?
  • Are you unhappy with your current lender?

If you answered yes to any one of these questions, It’s time to contact Crest Lending to discuss the refinancing options that suits your unique situation. Our Experienced mortgage brokers can help you to assess all your options.

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Refinance to Purchase an Investment Property

One of the most attractive benefits of investment loan refinancing is that you can access any equity you have in the property. Whether you’re refinancing your home loan to purchase your first investment property or refinancing an investment property to grow your property portfolio, the equity you access can be used towards another investment property, renovations and more.

Investment Refinance Advantages Vs Disadvantages

While refinancing may seem like a straightforward process, it is still a huge financial decision. As with any loan, whether you’re refinancing your home, buying a new property or investing in property, there are advantages and disadvantages that should be considered.


Reduce Monthly Repayments

Consolidate multiple debts into one payment with a lower interest rate loan.

Access to Equity

If you want to purchase another investment property but don’t have the deposit, the equity from your existing home or investment property may be able to fund the purchase.

Switch to a Fixed or Variable Rate

Fixed interest rate loans offer stability and make budgeting easier. Alternatively, variable investment home loan rates provide flexibility. By refinancing, you can switch to an interest rate that suits your financial situation.

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Break Costs

Refinancing from a fixed rate interest loan before your fixed term ends may require you to pay break costs.

New Establishment Fees

If you’re refinancing, you’re still applying for a new loan. New application and loan establishment fees may also apply.

Credit Score Assessment

Your credit score still comes into play when refinancing an investment property loan. If applicable, you will still need to provide proof of income, including rental income.

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Refinance Investment Home Loan Rates

It’s no secret that interest rates can fluctuate and significantly impact your mortgage repayments. If you refinance, you may be able to take advantage of competitive interest rates along with any offers or deals available for refinancing. While interest rates may rise and fall it is important to assess your individual needs before deciding to change anything with your existing loan. Our experienced team here at Crest Lending can help you to go over your options and decide what might be right for you.

Contact our team today and discuss the rates & offers available to you based on your unique situation.

refinance Investment loan gold coast

Investment Loans Refinancing Gold Coast

Our friendly mortgage brokers are here to help you make the most out of your investment property loans. Reviewing your loans regularly is important to ensure you remain up to date with the latest offers and interest rates. Refinancing your investment loan with the help of Crest Lending can help you to find a rate that suits you and your unique financial situation.

 Give our team a call today or get in contact to book your complimentary loan review today!

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