{"id":477,"date":"2019-05-25T23:46:17","date_gmt":"2019-05-25T23:46:17","guid":{"rendered":"http:\/\/www.ausena.com.au\/mortgage-broking\/?page_id=477"},"modified":"2019-06-26T07:05:36","modified_gmt":"2019-06-26T07:05:36","slug":"residential-investment-loans","status":"publish","type":"page","link":"https:\/\/www.ausena.com.au\/mortgage-broking\/about-us\/our-services\/residential-investment-loans\/","title":{"rendered":"Residential &#038; Investment Loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"477\" class=\"elementor elementor-477\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ec76894 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec76894\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94044d0\" data-id=\"94044d0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c9149e elementor-widget elementor-widget-image\" data-id=\"8c9149e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1400\" height=\"400\" src=\"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans.jpg\" class=\"attachment-full size-full wp-image-551\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans.jpg 1400w, https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans-300x86.jpg 300w, https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans-768x219.jpg 768w, https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans-1024x293.jpg 1024w, https:\/\/www.ausena.com.au\/mortgage-broking\/wp-content\/uploads\/sites\/4\/2019\/06\/Residential-and-Investment-Loans-600x171.jpg 600w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f39b664 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f39b664\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-2ee6a18\" data-id=\"2ee6a18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d11f46 elementor-widget elementor-widget-text-editor\" data-id=\"3d11f46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Looking to get into or expand your investments in the housing market? <\/strong><\/h3><p>Property can be a profitable and secure investment, and you don&#8217;t need to be rich, retired or part of the building trade to benefit.<\/p><p>A Residential or Investment Loan can help you to buy a property or refinance home loans from another lender.\u00a0As the names suggest, the difference between owner-occupied\u00a0residences and investment properties comes down to what you intend to do with them. When you&#8217;re buying a home or apartment you intend to live in, it&#8217;s called an owner-occupied\u00a0property. If you plan to rent it to tenants or flip it, it&#8217;s considered an investment.<\/p><p>Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.<\/p><p>There are two main types of residential home loans available to choose from, depending on your needs:<\/p><ul><li><strong>Variable residential home loans:<\/strong> This type of loan offers an interest rate which generally changes with the Reserve Bank of Australia\u2019s (RBA) cash rate.<\/li><li><strong>Fixed residential home loans:<\/strong> With this type of loan the interest rate is locked in for a certain period of time.<\/li><\/ul><div>The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period \u2013 usually one to five years. This gives you the advantage of knowing how much your repayment will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.<\/div><div>\u00a0<\/div><p>Entering the market can be daunting, but we can help you understand how to invest in a way that maximises your returns. <a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/contact-us\/\"><strong>Contact us<\/strong><\/a> today for more information.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f9cb216\" data-id=\"f9cb216\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d5e2bc elementor-widget elementor-widget-sidebar\" data-id=\"2d5e2bc\" data-element_type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<aside id=\"text-13\" class=\"widget widget_text\"><h3 class=\"widget-title\"><span>Our Services<\/span><\/h3>\t\t\t<div class=\"textwidget\"><ul>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/first-home-buyer-loans\/\">First Home Buyer Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/honeymoon-loans\/\">Honeymoon Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/residential-investment-loans\/\">Residential and Investment Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/refinance-debt-consolidation-loans\/\">Refinance and Debt Consolidation Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/bridging-loans\/\">Bridging Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/construction-home-improvement-loans\/\">Construction and Home Improvement Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/subdivision-development-loans\/\">Subdivision and Development Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/business-commercial-loans\/\">Business and Commercial Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/self-employed-loans\/\">Self-Employed Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/smsf-investment-loans\/\">Self-Managed Super Fund Investment Loans<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/personal-loans-car-loans-leasing\/\">Personal Loans, Car Loans and Leasing<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.ausena.com.au\/mortgage-broking\/asset-finance\/\">Asset Finance<\/a><\/span><\/li>\n<\/ul>\n<\/div>\n\t\t<\/aside>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Looking to get into or expand your investments in the housing market? Property can be a profitable and secure investment, and you don&#8217;t need to be rich, retired or part of the building trade to benefit. A Residential or Investment<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":400,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":""},"_links":{"self":[{"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/pages\/477"}],"collection":[{"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/comments?post=477"}],"version-history":[{"count":9,"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/pages\/477\/revisions"}],"predecessor-version":[{"id":1017,"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/pages\/477\/revisions\/1017"}],"up":[{"embeddable":true,"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/pages\/400"}],"wp:attachment":[{"href":"https:\/\/www.ausena.com.au\/mortgage-broking\/wp-json\/wp\/v2\/media?parent=477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}