We are Australia’s leading independent investment mortgage broking company
We work for you not the banks!
- Access to hundreds of home loan products from over 25 of Australia’s leading banks and financial institutions
- First Home Buyer Loans, Investment Loans, Owner Occupier Loans, Refinancing & SMSF loans.
- We negotiate with the bank to get the best rate for you!
The right finance structure is key to successful property investment!
Find out more
We are property investors and are passionate and dedicated to helping you along your property investment journey!
- Free online education, webinars and giveaways
-Finance and Property Investment Workshops
-Property Investment Analysis, valuation or suburb report on a property of your choice Invest with your super
The right team of real estate investment experts is necessary for successful property investment!
Find out how we can help
Learn about David Chehade - Managing Director & Founder
- James F (Brisbane)
"As we began to start the process to aquire our first home we started to feel as though we were way out of our depth. After a friend recommended we get in contact with David our confidence was quickly restored. To have someone in the financial sector that can communicate in a way that makes things clear whilst equipping us with what we need is both rare and a credit to his exceptional business sense. Thank-you David and the team at Real Estate Investment Finance"
- Rob and Clare (Melbourne)
"We purchased our first Investment Property in 2013 with the help of David and his team. Not only did they provide a great home loan, but they also guided us in the right areas to invest and start searching. He made the process nice and easy and went over and above. I wouldn’t hesitate to recommend these guys, fantastic service!”
- Mary & John (Sydney)
Real Estate Investment Finance are Australia’s leading investment mortgage broking company. We are fully licensed finance strategists dedicated to helping you find and secure the right home loan along with setting up the right loan structure to suit your long term goals. With over 25 lenders on our panel we work to your best interests not the bank.
What Do We Do?
We work with you to evaluate your investment lending needs and help you structure your finances for maximum flexibility and control to achieve your lifestyle goals sooner. We will review your current finances and make recommendations to help put you in a better position (if required), calculate how much you can borrow then we will compare hundreds of products from a wide panel of Australia’s leading banks and financial institutions to find the right investment loan for you. We are the middle person between a borrower and a lender and we will negotiate with the bank on your behalf to ensure you get the best interest rate. You can contact us whether you’re just starting to think about buying your first home, are looking to refinance, or if you’re a novice or experienced property investor. We assist you with all the paperwork in a timely and stress free manner.
Even though I am not in South East Queensland can I use your services?
Yes, we work with clients from all over the world and the majority of our clients are spread across different states in Australia. With the convenience of Skype and online technology we are able to easily assist clients no matter where you’re located.
What do your services cost?
Our service to you is free as we are paid in the form of an upfront and trial commission from the lender that you decide to get your home loan with. This remuneration amount will be fully disclosed to you.
Are the Home Loans you offer the same as the banks?
Our home loan products are the same as what you can get from the banks – with the same fees, and charges. However, sometimes due to our relationship with lenders we can negotiate and get you a better deal. We also get special offers from time to time that the banks only make available to brokers. On top of this, we have access to a wider range of competitive products with a panel of 25+ lenders. Why wouldn’t I just go to my bank? The bank you deal with for your everyday banking may not be the best lender for you. By assessing your lender options you could save thousands of dollars in interest and in fees! Also as a property investor lenders would love you to come back and continue to use them for multiple property purchases – This is a big no no! We will teach you about this and the importance of diversifying your loans for your properties across different lenders.
How much deposit do I need?
You can purchase a property with as little as 5% deposit. However you will also still need money for buying costs which include stamp duty, legal fees, etc. For example, if you were to purchase a property for $350,000 in Victoria you would require approx. a $40,000 deposit. This depends on your situation and other factors as we do have lenders that will lend up to 97% - ask us to find out more. You may also use equity from another property as a deposit instead of using cash – we highly encourage taking this approach if you have it available and we structure this in the form of a cash out.
How much can I borrow?
When determining your borrowing capacity lenders require two things. Firstly, the size of your deposit and secondly the stability of and amount of income. Lenders are willing to lend up to 97% towards a property purchase and therefore you need to contribute a percentage plus buying costs. Lenders also want to know that you can afford to repay the loan and therefore your borrowing capacity will also largely depend on this. Contact us today for an obligation free borrowing capacity. Within 15 minutes we will be able to tell you what your number is.
What is Loan Mortgage Insurance?
LMI is insurance that the lender takes out to protect themselves in the event the borrower defaults on repayments, they have to sell the property and there is a shortfall in the difference. If your deposit is less than 20% (you need to borrow more than 80% of the property value) you might need to pay LMI. There are some exceptions to this – contact us today to find out more. Should I pay Loan Mortgage Insurance? LMI isn’t necessarily a bad thing as it allows you to purchase your home with a smaller deposit which gets you into the property market sooner. Most lender will allow LMI to be capitalised on your loan which means you may not need to pay the fee upfront.
Do you only assist property investors?
While we specialise in working with property investors we also work with first home buyers, owner occupiers and re-finances on a daily basis. Our clients can benefit from our specialised services by looking at their home purchase as a step towards building a property portfolio.
I’m ready to buy a property – what’s my first step? Contact us by phone 1300 130 932 or email firstname.lastname@example.org anytime 7 days a week and we’ll arrange for an interview either face to face, over Skype or on the phone. You’ll be surprised how easy it is to get started.
Office: 1300 130 932
Postal: PO Box 465 Indooroopilly Centre QLD 4068
Or Click here to complete our online form and one of our consultants will be in contact within 24 hours!
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