Investment Home Loan

An investment property loan is a mortgage for the purchase of an income-producing property. That includes buying properties to generate rental income or to renovate and sell for a profit. When negative gearing benefits are needed to demonstrate your ability to repay the loan, the approval conditions for investment loans become even more challenging. Due to the higher risk associated with investment loans than with normal house loans, you must be in excellent financial standing to be eligible. There are multiple pros and cons to owning an investment property you can find them below, 


  • Property investments are less volatile than other types of investments such as shares or stocks
  • Rental income which will be generated from the investment property will also be used for the borrowing 
  • If the property market increases the property value will help an individual gain capital from selling the property
  • Most importantly a person can offset most property expenses against rental income.


  • Rental income may not cover the whole of your mortgage repayments and other expenses 
  • Interest rates are higher for the investment property compared to owner occupied. 
  • In case of having no tenants, the individual must pay the repayments from their own pocket which will result in less disposable income. 
  • Since there are many expenses such as stamp duty, legal fees, and real estate agent fees, the cost of entry into the market is high and risky.

CEO, Senior Mortgage Broker

Lekha Gurung

Lekha Gurung is an experienced mortgage broker from Sydney who expert in assisting first-home buyers, property investors, refinancing, etc. He has settled more than 300 loans till now. Our Services include First Home Buyers Loans, Investment Loans, Refinancing, Personal Loans, Business Loans, Reverse Mortgage, Credit Default Loan, Low Docs Loan, assistance in property research, and Insurance referral arrangements.

Additionally, Lekha Gurung offers Free Home Loan Consulting and Home Loan Advice. Recognizing the complexities of the mortgage process, these no-cost, personalized consultations are available for free to everyone. Lekha will provide expert guidance tailored to your financial needs, ensuring you make informed decisions in your property financing journey. Simply fill out a form and pick a date to book your Free Session today!

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Contact Information

Active Mortgage and Finance
Suite 3, 2-6 Hercules Street Ashfield NSW 2131
Phone: 02 9797 9069, 0425 848 409