Investors Mortgage

Investors Mortgage Investors Mortgage has been helping first home buyers and investors since 2007 with the mission of creating extraordinary mortgage solutions for Australians.

Investors Mortgage has always sought out the nation's most creative and responsible lenders. That mission continues to be a driving force through today. This enables us to be one of the nation's most respected mortgage brokers. Call us now on 1300 468 733 to book an appointment now or email us on [email protected]

04/09/2026

Fixed Terms & Rate Locks

Choosing the right fixed term requires comparing current fixed offers against broader market projections.

While short 1-year terms often offer limited interest protection and long terms above 3 years carry higher rate premiums, a 2-year fixed term frequently acts as a balanced midpoint. Additionally, when switching lenders to secure a fixed rate, securing a rate lock guarantee ensures that market fluctuations do not alter your target rate before your loan settles.

Reach out to review current fixed rate options across lenders! 📲

27/08/2026

How Much Should You Fix?

Structuring your mortgage split comes down to balancing rate stability with cash flexibility.

While fixing a portion of your loan protects against rising interest rates, fixing 100% prevents you from utilising an offset account. A strategic split allows you to lock in competitive fixed rates on your main loan balance while keeping enough funds in a variable offset to reduce interest on your liquid cash and ongoing savings.

Message us if you would like help analysing your offset potential and portfolio structure! 📲

20/08/2026

Are you looking for certainty in your mortgage repayments without locking away all your flexibility? 📈🏡

Fixing 100% of your loan isn't always the best move, as fixed loans usually don't allow offset accounts. By using a split-loan strategy (like fixing 50%–70% and keeping the rest variable), you get interest rate protection and the freedom to use your offset account to reduce interest expenses.

Plus, if you hold multiple properties, knowing which loan to fix first can save you thousands—especially when factoring in lower owner-occupied fixed rates and negative gearing tax benefits!

Watch the full breakdown to learn how to structure your loans strategically.

Need help reviewing your current home loan or investment portfolio? Send us a message and let’s explore your best options!

The RBA has held the cash rate steady at 4.35%.A continued pause for mortgage holders as headline inflation slowed to 3....
11/08/2026

The RBA has held the cash rate steady at 4.35%.

A continued pause for mortgage holders as headline inflation slowed to 3.8%. However, with trimmed mean inflation remaining steady at 3.6%, the RBA is taking a cautious wait-and-see approach and has left the door open for future rate adjustments.

The Property Snapshot:
* NT: Leading growth (+0.8%)
* WA & TAS: Holding firm (+0.1%)
* SA & QLD: Softening slightly (-0.2% and -0.6%)
* ACT, VIC & NSW: Seeing deeper dips (-1.0% to -1.4%)

With higher borrowing costs and changing market conditions, now is an ideal time to review your lending setup. Make sure to check that your offset account is properly linked and performing as designed, and don't hesitate to look into refinancing options if your repayments are feeling tight.

Is your loan still working as hard as it should? Let’s chat about your options today.

Next Decision: 29 September

06/08/2026

Are you feeling the pressure of rising interest rates? 📈

In today's economic environment, relying solely on variable rates might drain your cash flow if the market spirals.

While variable rates are great during stable times, global events like wars and pandemics can trigger unexpected rate hikes. If you are tight on cash flow, it might be time to look at fixed rates to protect your portfolio.

Watch to learn why preparing early is your best defense! 🛡️🏡

If you’d like to review your home loan, send us a message and we’ll help you understand what options are available.

29/07/2026

Looking for more ways to beat high interest rates? 📈💡

In Part 2, we explore why commercial properties offer higher rental yields and why right now is actually a buyer’s market. Knowing your numbers and having a broker who understands lender policies is your key to maximizing borrowing power. 🤝🏢

Ready to be greedy when others are fearful and take advantage of the current market?

🏠 Send us a message, and we’ll help you understand what options are available.👇

21/07/2026

Are rising costs cutting into your property profits? 💸🤔

Interest rates and inflation are driving holding costs higher, while rents aren’t keeping up.

In Part 1, we break down why this is happening and share smart, immediate

strategies like rent-vesting and utilizing granny flats to protect your cash flow. 📊

🛡️ Want to explore smart residential options in today’s market?

🏠 Send us a message, and we’ll help you understand what options are available.👇

The start of the new financial year is a good time to check whether your home loan is still competitive and still suits ...
17/07/2026

The start of the new financial year is a good time to check whether your home loan is still competitive and still suits your needs.

Over the past 12 months, your interest rate, property value, income, or plans may have changed. If they have, your current loan structure may no longer be the best fit.

A quick review can help you see whether you could:

✅ Reduce your repayments with a more competitive rate.

✅ Adjust your loan structure to match your current goals.

✅ Get more value from features like an offset account.

✅ Access equity if your property value has increased.

If you’d like to review your home loan, send us a message and we’ll help you understand what options are available.

07/07/2026

During a high-interest rate environment, borrowing capacity decreases by a lot.

This is the capacity crunch. 📉

APRA dictates that banks have to add a buffer of at least 3% on top of current rates, plus minimum living expenses based on HEM. So, even if your actual repayment on a $1M loan is $61,400 per year, banks have to do the calculations based on $91,400. Your capacity to borrow goes down substantially.

This is where we as brokers come in. We have to find ways to increase your capacity like including negative gearing as an add-back, finding a lender who will take 90% of your rental income, or one that will fully accept your commissions.

We increase your capacity by choosing the right bank, the right policy, the right way.

30/06/2026

Investing in a High Interest Rate Environment: Why Most Investors Fail

Are you still buying property purely for capital growth? In today's market, that approach could be a trap.
When interest rates are high, things change. In a low or medium rate environment, everyone focuses on growth. As long as the property value goes up, people don't care much about rental yield or cash flow. But in a high interest rate environment? It becomes all about cash flow.

Historically, Australia has seen interest rates average 7% and peak as high as 18%. With current property prices sitting at 10x to 12x the average income, a minor rate hike can make repayments crazy.
Stop looking at growth alone. In a high interest rate environment, look at cash flow first, then growth.

Ready to explore your options in this market? 🏠
Send us a DM or get in touch with our team today! 👇

Address

Suite 412, 434 St Kilda Road
Melbourne, VIC
3004

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm
Saturday 11am - 4pm

Telephone

+611300468733

Website

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