An Aussie staple for building wealth has long been tied to property investment. Those looking to get their foot on the property ladder, or wanting to expand their current property portfolio, are taking advantage of historically low interest rates in order to grow their real estate holdings and increase their wealth.

However, whilst interest rates are low, there have been changes to the lending landscape which all investors should be aware of before entering the market. The biggest change in recent years is the differentiation between owner occupied loans and investment loans.

It’s now more common to find investment loans priced with a higher interest rate than an owner occupied loan. This is due to restrictions placed on investment loans to give first home buyers and new home buyers a better chance to buy a property. Furthermore, lenders are now restricting the amount of investor loans they provide, causing many borrowers to be knocked back before they can even start enquiring about a loan.

Sounding pretty bleak yet? This is where we can help. If you are getting knocked back by your bank or just want a lower interest rate on your current loan, talk to us. We deal with over 50 lenders to find our clients the ideal loan for their individual requirements.