Finance that considers the property and the bigger picture.
Whether you are purchasing your first investment property or adding to an existing portfolio, we can help you understand equity, servicing and lending structure.
Contact UsAdvice that starts with your situation.
Investment lending is assessed differently from owner-occupied lending. Pinnacle Mortgages can review your existing properties, debt, usable equity, rental income and future plans, then help identify a lending structure that supports the next step without losing sight of the wider portfolio.
Rather than starting with a particular bank or product, Pinnacle Mortgages looks at what you are trying to achieve, the strength of your application and which lending pathways may suit your circumstances.
Practical support from the first conversation.
Understand usable equity
We can help you understand how the equity in an existing property may fit into the deposit and security position for another purchase.
Assess borrowing capacity
We review income, existing lending, rental income and commitments against the criteria of relevant lenders.
Consider loan structure
Separate lending, security arrangements, fixed or floating portions and repayment types can all affect flexibility over time.
Purchase or refinance
We can assist with funding a new investment purchase or reviewing existing investment lending where your needs have changed.
Bank and non-bank options
Where appropriate, we can consider options beyond the major banks from the providers Pinnacle is accredited to advise on.
Plan for the next move
If your goal is to continue building a portfolio, we can discuss how today’s lending decision may affect future borrowing flexibility.
A clearer path from enquiry to settlement.
Portfolio review
We understand your existing properties, debt, income and objectives.
Equity and servicing
We assess the available equity and how lenders may view servicing.
Lender strategy
We identify suitable bank or specialist lender pathways.
Application and valuation
We coordinate the lending application and relevant property information.
Settlement and structure
We help complete the lending and keep the structure aligned with your plan.
More than just the headline rate.
- Available equity and the security being offered
- Existing home and investment lending
- Rental income and lender treatment of that income
- Debt-to-income and loan-to-value considerations
- Principal and interest versus interest-only options where available
- Cash flow, future purchases and the flexibility of the proposed structure
Lending criteria vary between providers and can change. Pinnacle Mortgages will explain the considerations relevant to your circumstances.