Investment Mortgage

Investment Mortgage

Investment Mortgage

Investment Mortgage


If you’re considering buying a property, an investment mortgage could be the way to go. These mortgages are designed for investors and can provide the finance you need to purchase your dream home. However, before you commit to an investment mortgage for your next property purchase, it’s important to understand exactly what this kind of loan entails and how it works.

What is an investment mortgage?

An investment mortgage is a loan that allows you to buy a property for the purpose of renting it out. You can use the rent to pay off your mortgage and make money from your rental property, or if you choose, keep it in cash.

Investment mortgages are available from banks and building societies; however, before applying for an investment mortgage we recommend that you speak to one of our experienced advisers who can help guide you through the application process.

How does an investment mortgage work?

An investment mortgage is a type of loan that can be used to buy an investment property. Investment mortgage loans are designed for investors, who may not have enough cash on hand or credit history to qualify for regular owner-occupier mortgages.

Investment mortgages tend to have shorter repayment periods than owner-occupier loans and higher interest rates than standard home loans. The majority of them are fixed-rate loans, which means they don’t change with interest rates but may still change in value depending on market conditions (for example, if there’s been a rise in demand).

What do you need to know about investment mortgages?

The term “investment mortgage” is used to describe a loan where you repay the money to your lender by investing the proceeds of the sale of your property (the proceeds come from selling or refinancing).

If you want to invest in residential or commercial property, then it’s worth considering taking out an investment mortgage. Here are some things that you should know about investment mortgages:

  • What does it mean for me? – An investment mortgage can help you with capital growth and liquidity needs. It also allows for flexible terms so that borrowers can make their payments according to their cash flow needs without having to commit themselves into large sums upfront (like buying a car).

Property investment tips from the experts

  • Invest in a property that you are familiar with.
  • Consider the location of your investment property.
  • Look for a property that will increase in value over time and be able to repay your loan amount comfortably.
  • Think about how much it is going to cost to maintain the property, including taxes, rates, and insurance premiums, among other things! If possible look for a home close to where you live so that maintenance costs could be reduced as much as possible (and there are some great benefits from living within walking distance).

An investment mortgage can make it easier to buy a property.

An investment mortgage can make it easier to buy a property.

If you don’t have enough money for a deposit, or if your current lender doesn’t approve of the type of property you want to buy, an investment mortgage may be the answer.

How does it work?

You apply for an investment mortgage with your existing lender and they agree that it’s okay for them to lend you money based on the value of the property being bought with this loan. The interest rate on these types of loans tends to be lower than the ones available through mainstream lenders because they’re considered low-risk by banks (as long as there are no issues associated with borrowing).


An investment mortgage is a good option for people who want to buy property but don’t have enough money to do so. It can help you get on the property ladder faster and save you from having to save up for deposit payments or mortgage payments. With an investment mortgage, your monthly repayments will be lower than if you were paying off a loan from a bank or building society.

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