Investment Loans

Whether you’re purchasing your first investment property or expanding your portfolio of residential or commercial properties, Oracle Ezy Finance is here to make the finance journey simple and stress-free. We connect you with trusted lenders and competitive loan products that match your goals so you can focus on building long-term wealth.

If you’re currently paying high interest rates, we can also review your loan structure and help refinance to a better deal. Before making an investment decision, it’s always wise to seek expert guidance and that’s where we come in.

Benefits of Investment Property

Property investment offers many advantages when compared to other forms of investment. Here are some key benefits:

Lower volatility than shares and other markets
Rental income provides an additional cash flow stream
Capital growth potential as property values rise over time
Tax benefits – claim deductions on interest, repairs, insurance and more
Depreciation benefits – claim depreciation on buildings, appliances and improvements
Negative gearing – offset property losses against other income
Capital gains tax concessions in some scenarios
Easier entry – property doesn’t require deep financial market knowledge (though due diligence is still essential)

Risks & Considerations

Like all investments, property also carries risks:

Rental income may not always cover loan repayments
Rising interest rates can increase costs
Tenant vacancies may lead to financial strain
Property values can decline in some markets
Entry/exit costs (stamp duty, legal, agent fees) can be high

At Oracle Ezy Finance, we help you understand both the opportunities and challenges, so you can make informed decisions.

Costs to Keep in Mind

Beyond your loan repayments, property investors should budget for:

Council and water rates
Building & landlord insurance
Body corporate fees
Land tax
Property management fees
Repairs and maintenance

Rental Income & Borrowing Power

Did you know? Banks consider rental income (or projected rental income) when assessing your borrowing capacity. This can boost how much you can borrow for your investment property loan. Lenders may use rental valuations or real estate agent appraisals to confirm figures.

Book a consultation with Oracle Ezy Finance today

Oracle Ezy Finance is your trusted mortgage broker in Epping and nearby suburbs helping individuals, families and businesses secure the right home loans, investment loans, commercial finance and personal loans with ease. We make lending simple, transparent and stress-free