Refinancing Investment Property

Looking to reduce your loan repayments?

Refinance Your Investment Property Loan

Based in Sydney's Hills District and helping clients right across Australia, we make refinancing your investment property simple.Refinancing an investment property loan works differently to refinancing the home you live in. As an investor, your priorities are often about maximising the performance of your portfolio — releasing usable equity, restructuring repayments, or improving cash flow on a property that’s working for you. At SB Finance we have access to over 40 of Australia’s biggest lenders and can help you compare options suited to investors.

Reasons investors consider refinancing:

Your property has grown in value and you’d like to access the equity to put towards the deposit on your next investment
A fixed-rate period is ending and reverting to a higher variable rate
You want to review your repayment structure, including interest-only versus principal-and-interest arrangements, to suit your investment strategy
You’re looking to consolidate the debts across multiple properties into a more manageable structure
You want to compare lenders to find a loan that better fits your circumstances

What to Keep in Mind as an Investor

Refinancing an investment loan can have costs and tax implications that differ from an owner-occupied refinance, and the way your loan is structured can affect your cash flow and record-keeping. Because everyone’s situation is different, we recommend speaking with your accountant or financial adviser about the tax side, while we help you understand the lending options available across our panel.

SB finance does not offer personal advice and aims to provide information which is factual and in-line with lenders requirements and a customers best interest. We encourage you to seek independent legal and financial advice before proceeding. our credit guide and Privacy disclosure is available on our website.

Competitive Options

With access to over 40 lenders, we compare the market to find a finance option suited to your situation. Terms and conditions, fees and eligibility criteria apply.

Loan Deals

Talk to our team about the options available across property, asset and personal finance. We'll explain how each could suit your needs.

Quick Application

Our Application process is straight-forward and hassle free. We pride ourselves in being responsive and prompt with processing your application!

Personalised Service

Here at SB Finance we treat everybody like one of the family. We pay attention to the detail and make sure we offer nothing but first class service tailored to your needs!

Let’s talk finance

Whether you have questions or inquiries about our services, we’re here to assist you every step of the way.

Your Details - Step 1 of 3

What type of finance do you need?

Why investors refinance

Investors refinance for many of the same reasons owner-occupiers do, plus a few of their own. You might be looking to review your rate, release equity to fund your next purchase, change your loan features, or restructure lending across your portfolio. Because an investment loan is part of a bigger strategy, it is worth checking periodically that it is still working as hard as it can for you.

Releasing equity to expand your portfolio

One of the most common reasons investors refinance is to access the equity that has built up in an existing property and put it towards the next one. Done thoughtfully, this can be a useful way to keep growing without starting from scratch on your deposit each time. We will help you understand what may be available and how it fits with your plans.

What lenders look at when you refinance an investment loan

When you refinance an investment property, lenders typically reassess things like the property value, your rental income, and your overall position across any other lending you hold. Knowing what they are looking for makes the process smoother. With access to a wide panel of lenders, we can help match your situation to the options that suit it.

Helping Hills District and Sydney investors

We are local brokers who regularly help investors review and refinance their property loans. If you would like a clear assessment of whether refinancing makes sense for your portfolio, we are close by and ready to help.

Frequently Asked Questions

Can I Re-finance my Investment Property Loan?

Absolutely! At SB Finance we have access to over 40 lenders that can lend from $50,000 upwards. The re-finance will vary depending on an applicant’s financial position, serviceability, property valuation, equity and current loan conduct. Speak to one of our team for a free assessment!

What are the benefits of Refinancing my Investment Loan?

You can reduce your repayments by getting a lower interest rate
You can Cash-out on the equity to use the funds for Renovations or a purchase for the home
You can reduce the term if you are in a position to pay more towards the loan
You can lock in a new fixed rate if your current rate period is expiring and is changing back to a higher variable rate
If your property has increased in value, you can use the equity to cash out for renovations or use towards purchase of another investment property

Can i Cash-Out if i Re-Finance my Investment Loan?

Yes! The total amount available will vary depending on current equity, applicant’s financial position, serviceability and property valuation. Speak to one of our team for a free assessment

Do I have Home Loan Re-Finance Options?

Yes, at SB Finance we have several loan options that can assist with refinancing an investment property. We offer a free consultation to discuss your requirements and will guide you through the process required to apply. Speak to one of our team today to discuss how we can help you get a loan to suit you.

Can I Re-finance my Investment Loan with Bad Credit?

Yes! With access to over 40 of Australia’s largest lenders, we do have lenders on our panel that will consider bad credit or defaults subject to the application. Speak with our team to find out more!

What is LMI?

LMI stands for Lenders Mortgage Insurance and is designed to provide lenders with an additional level of protection in the event the borrower defaults (doesn’t repay) the loan.

LMI can be avoided with a deposit as per lenders guidelines (usually 20%) or a guarantor going on the loan. Speak with our team and they can discuss the guidelines around LMI.

How Can I apply?

There are several ways you can apply, all of which are simple. you can contact us on 1300 172 346 or email info@sbfin.com.au to speak with our team. alternatively, you can speak to us via any of our social media platforms or fill in the quick quote form on our page and we can reach out to you.