Expanding your property portfolio

Expert Mortgage Broking Services for Expanding Your Property Portfolio Across Melbourne and Australia

Rated 5 from 479 Reviews

Professional Property Portfolio Expansion Services

Expanding your property portfolio represents one of the most effective strategies for building long-term wealth through real estate investment. At AXTON Finance, we understand that successful property portfolio expansion requires more than just finding the right properties - it demands access to competitive financing solutions, expert market knowledge, and strategic planning tailored to your unique financial situation. As one of Australia's leading Finance & Mortgage Brokers, we specialise in helping investors across Melbourne and throughout Australia navigate the complexities of property investment financing. Our comprehensive approach ensures you have access to some of the best interest rates and loan options from banks and lenders across Australia, positioning you for sustained growth in your investment journey.

When expanding your property portfolio, understanding your borrowing capacity becomes crucial to making informed investment decisions. AXTON Finance conducts thorough assessments of your financial situation, including evaluating your existing home equity, current debt obligations, and income streams to maximise your loan amount potential. Our experienced Finance & Mortgage Broker team works closely with you to assess your Debt-to-Income Ratio, ensuring your portfolio expansion strategy remains sustainable and aligned with your long-term financial goals. We help you explore various funding options, whether you're utilising equity from existing properties, securing a cash deposit, or considering using a guarantor to enhance your borrowing position. This comprehensive evaluation process enables us to recommend the most suitable loan structures, including investment loan products, interest only loan arrangements, or principal and interest loan options that best support your portfolio expansion objectives.

Navigating the loan application process for expanding your property portfolio requires expertise in both residential and investment lending markets. AXTON Finance streamlines this complex procedure through our efficient application process, helping you get pre-approved for multiple properties and understand the various loan to value ratio requirements across different lenders. Our deep understanding of the local property market enables us to provide valuable insights into timing, location selection, and financing strategies that optimise your investment returns. We assist with securing both variable interest rate loan and fixed interest rate loan products, ensuring you have access to interest rate discounts and competitive terms. Additionally, our team helps you navigate important considerations such as lenders mortgage insurance requirements, stamp duty implications, and the strategic use of existing property equity to fund new acquisitions.

The importance of professional guidance when expanding your property portfolio cannot be overstated, particularly in today's dynamic lending environment. AXTON Finance provides ongoing support throughout your investment journey, from initial loan pre-approval through to settlement and beyond. Our services extend to helping you access Government Grants and Incentives where applicable, conducting regular home loan health checks to potentially access better interest rates, and providing strategic refinancing advice as your portfolio grows. We understand that property investors have diverse needs - whether you're first home buyers transitioning to investment, upgraders seeking to retain previous properties, or experienced investors looking to expand further. Our tailored approach ensures each client receives personalised strategies that align with their risk tolerance, investment timeline, and financial capacity.

Choosing AXTON Finance as your trusted Finance & Mortgage Broker partner means gaining access to comprehensive support services designed specifically for expanding your property portfolio successfully. Our established relationships with multiple lenders enable us to negotiate competitive terms and identify loan options that may not be readily available through traditional channels. We pride ourselves on our streamlined application process, which reduces the administrative burden typically associated with investment property financing. Whether you're buying an investment property in Melbourne's competitive market or exploring opportunities across Australia, our team provides the expertise and support necessary to make informed decisions. By partnering with AXTON Finance, you gain access to professional guidance that transforms the complex process of portfolio expansion into a manageable and profitable investment strategy.

How much can you borrow to buy?

AXTON Finance - Melbourne's Best Mortgage Brokers

Common Questions About Expanding Your Property Portfolio

How much deposit do I need when expanding my property portfolio?

The deposit requirements for expanding your property portfolio typically depend on various factors including your existing equity position, the loan to value ratio policies of different lenders, and whether you'll need to pay lenders mortgage insurance. While many investors can utilise equity from existing properties as their deposit source, others may need to provide a cash deposit ranging from 10-20% of the property value. At AXTON Finance, we assess your individual financial situation to determine the most suitable funding structure for your portfolio expansion goals. Our Finance & Mortgage Broker team can help you understand how to best leverage your existing assets and explore options including using a guarantor if additional security is required. We recommend booking a Free Consultation to discuss your specific circumstances and receive personalised advice on deposit strategies.

What interest rates can I expect for investment property loans?

Investment property loans typically carry slightly higher interest rates compared to owner-occupied home loans, though rates can vary significantly between lenders and loan products. As an experienced Finance & Mortgage Broker, AXTON Finance maintains relationships with numerous lenders, enabling us to help you access some of the best interest rates available in the market. Whether you're considering a variable interest rate loan for flexibility or a fixed interest rate loan for certainty, we can present multiple options tailored to your portfolio expansion strategy. Interest rate discounts may be available based on factors such as your loan amount, existing banking relationships, and overall financial profile. To understand the current interest rates available for your specific situation and potentially access better interest rates than standard published rates, we encourage you to book a Free Consultation with our team.

How do I know if I can afford to expand my property portfolio?

Determining your capacity for expanding your property portfolio involves a comprehensive assessment of your financial situation, including your current income, existing debt obligations, and available equity or cash deposits. AXTON Finance conducts thorough evaluations of your borrowing capacity by analysing factors such as your Debt-to-Income Ratio, existing home equity, and potential rental income from investment properties. Our assessment process considers both your current financial position and future growth potential, ensuring your portfolio expansion remains sustainable over time. We also help you understand ongoing costs including property management, maintenance, insurance, and potential vacancy periods. The local property market conditions and your investment strategy also play crucial roles in determining affordability. For a detailed assessment of your capacity to expand your property portfolio, including loan pre-approval estimates and strategy recommendations, book a Free Consultation with AXTON Finance.

Should I choose interest only or principal and interest loans for my investment properties?

The choice between interest only loans and principal and interest loans for expanding your property portfolio depends on your investment strategy, cash flow requirements, and tax considerations. Interest only loans can provide greater cash flow flexibility in the short term, allowing you to redirect funds towards additional property acquisitions or other investments. However, principal and interest loans help build equity over time and may offer slightly better interest rates. As your Finance & Mortgage Broker, AXTON Finance considers factors such as your overall portfolio goals, current financial position, rental yield expectations, and long-term wealth building objectives when recommending loan structures. Many successful investors utilise a combination of both loan types across their portfolio expansion journey. The optimal choice often depends on individual circumstances, market conditions, and your specific investment timeline. To determine the most suitable loan structure for your property portfolio expansion, book a Free Consultation with our experienced team.

Can I use equity from my existing properties to fund new purchases?

Utilising equity from existing properties is one of the most common strategies for expanding your property portfolio, and AXTON Finance specialises in helping investors access this valuable funding source. Home equity can be accessed through various loan products, allowing you to leverage your existing property investments to fund new acquisitions without requiring significant cash deposits. The amount of equity available depends on current property valuations, outstanding loan balances, and lender policies regarding loan to value ratios. Our Finance & Mortgage Broker team can help you understand how much equity you can access, the most tax-effective ways to structure these arrangements, and which loan options from banks and lenders across Australia best suit your portfolio expansion goals. Equity-based funding strategies can significantly accelerate your investment timeline when structured correctly. For a comprehensive equity assessment and to understand your options for expanding your property portfolio using existing assets, book a Free Consultation with AXTON Finance.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

Today

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

2 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

4 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

5 days ago

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

5 days ago

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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