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Investors Mortgage

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Investors Mortgage

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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]

03/11/2026

A fifth rate increase this year adds further pressure on household budgets, with annual headline inflation rising to 4.3% in September.

Underlying inflation sits at 3.6%, and the RBA continues to take a firm stance to bring inflation back within its 2-3% target range.

The Property Snapshot:

• NT: Edging up (+0.6%)
• TAS: Slightly positive (+0.5%)
• SA: Softening (-1.2%)
• ACT: Easing (-0.6%)
• VIC: Dipping (-0.8%)
• WA: Dipping (-1.7%)
• NSW: Dipping (-1.6%)
• QLD: Largest fall (-2.0%)

With repayment strain rising and capital city house prices down 4.7% in the September quarter, now is a good time to review your home loan setup. Check that your rate is still competitive, explore offset options, or speak with us about lender hardship programs if repayments are feeling stretched.

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

Next Decision: 8 December

30/10/2026

Building your own home?
Construction loans work very differently from standard home loans. Before you sign a building contract, here is what you need to know about how the money actually moves.

Do you pay interest on the full loan straight away?
No. You can split your mortgage into a land loan and a construction loan. At land settlement, you only start making repayments on the land balance (plus Lenders Mortgage Insurance, depending on your deposit). For the build itself, you only pay interest on the funds that have actually been paid to the builder so far. Repayments during the build are typically interest-only.

How does the builder get paid?
Instead of releasing a lump sum, the lender pays the builder in stages (called drawdowns), usually at slab down, frame, lock-up, fixing, and completion. As each stage finishes, you will receive an invoice from your builder. You send that invoice to us, and we submit it to the lender on your behalf. The lender then processes it and releases the payment directly to the builder

What paperwork do you need upfront?
Beyond your standard income and ID checks, the lender needs your building plans and contracts to perform a valuation. Before the first payment goes to the builder, the lender will also require final council-approved plans, the builder’s insurance details, and an agreed drawdown payment schedule.

Two common traps to watch out for:

Mid-build changes: Changing your plans or contract after approval can trigger a full loan reassessment. Finalise your plans before applying, and try to pay for any minor changes out of your own pocket.

Outside subcontractors: If extra site works or subcontractors are not included in your builder's main contract, some lenders will hold back those funds until the entire build is finished. Be prepared to cover separate trades out of pocket if they are not part of the main contract.

19/10/2026

🙏✨ Wishing you and your family a very Happy Dussehra! 🪔🌸

🏡 May this festive season bring happiness, prosperity, and new beginnings to your home. 💛🌟

🏹 Just as Dussehra celebrates the victory of good over evil, may you overcome every challenge and move closer to your dreams. 🌿💫

🤝 Warm wishes from your team at Investors Mortgage and family! 🏡❤️

16/10/2026

Buying a home when you are self-employed

Self-employed borrowers often find it hard to get standard bank loans, especially with stricter rules today that limit how much big banks can lend. This can make a home loan feel out of reach, even when your business is doing well.

But you have options. Specialist and non-bank lenders offer low-doc loans designed just for business owners. Instead of two years of full tax returns, you can show your ability to repay using your BAS statements, an active ABN, business bank statements, and a letter from your accountant.

Some steps that can help you get approved:

• Reduce your credit limits. Lenders look at your total available credit limit on cards and loans, not just what you owe.

• Hold off on heavy tax write-offs. Chat with your accountant about reducing your write-offs this year. Showing a higher taxable income on paper helps you borrow more.
Save a solid deposit. Most low-doc lenders require at least a 20% deposit (capping the loan at
80% of the property value).

• Low-doc loans do differ from standard loans. Because they are assessed differently, interest rates are typically between 7% and 8.5% (about 0.5% to 1.5% higher than standard loans).

You may also need to pay lenders mortgage insurance if you borrow more than 60% to 70% of the property's value.

Get in touch if you would like to understand your options before you apply.

09/10/2026

How do lenders assess applications?

While loan officers work solely for a lending institution and can only offer that institution’s products, brokers can help connect you to the lender best fit to serve your mortgage needs by shopping around on your behalf.

Finance brokers on the other hand are paid commissions by lenders to match borrowers to the right products and can negotiate the lowest rate on your behalf, which is why more than half of borrowers today turn to finance brokers when it comes to finding a home loan.

In order to decide whether or not to provide you with a loan, lenders will generally assess you against five qualities:

-Your ability to repay the loan
-How much cash you have up front
-The property appraisal price
-Your financial history
-Market conditions

Get in touch if you'd like a clearer picture of your borrowing position.

29/09/2026

The RBA has raised the cash rate by 0.25% to 4.60%.

A fourth rate increase this year adds further pressure to household budgets, even as headline CPI eased in July. With trimmed mean inflation remaining steady at 3.6%, the RBA continues to maintain a cautious stance to manage broader cost-of-living pressures.

The Property Snapshot:

NT: Bucking the trend (+0.6%)

TAS: Holding relatively steady (-0.2%)

WA & SA: Softening slightly (-0.8%)

QLD & ACT: Easing further (-1.0% and -1.1%)

VIC & NSW: Seeing deeper dips (-1.1% to -1.4%)

With rising borrowing costs, falling property prices, and growing discussion around "mortgage prison", now is a crucial time to review your home loan setup.

Make sure your current rate remains competitive, explore offset options, or speak with us about lender hardship programs if repayments are feeling stretched.

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

Next Decision: 3 November

24/09/2026

Can your job save you on your home loan?

Many borrowers don't realise their occupation can affect the deal they get on a home loan. Lenders often classify certain professions as lower risk, which can mean access to discounted rates or lower cost loan types that aren't available to everyone.

Doctors, accountants, lawyers and teachers are commonly eligible for these discounts, but the criteria differ by lender and change over time. You need to apply with a lender that offers it for your profession and meet that lender's criteria, which can include proof of membership with a relevant industry body.

Get in touch to find out if your profession qualifies you for a better deal.

11/09/2026

Comparison Rates, What does this mean for you?

Many home loan ads show a low interest rate, but a much higher comparison rate sits underneath it. This makes it hard to know which loan is actually the cheaper one.

This happens because the advertised interest rate alone doesn't include the fees and charges attached to the loan. The comparison rate adds those in, so a loan that looks cheap on the interest rate can end up more expensive once fees are included. Comparison rates are also calculated using a standard loan amount and term (often $150,000 over 25 years), so they may not match your actual loan.

We can work out the comparison rate for a loan amount and term closer to yours, so you know the real cost before you decide.

Get in touch if you'd like help comparing your home loans properly.

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! 📲

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

https://www.investorsmortgage.com.au/

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