Mortgage broker for first time investment property buyers

It’s an amazing feeling to stake your claim in the property market

But first, you have some important choices and decisions to make. We’ll guide you through the options, steps and costs involved. And save you time, money and stress along the way.

Crunch and talk numbers
We can help work out how much you can borrow and discuss the best choices for your investment dollars.

Make life (and investing) easy
You’ve probably got loads of questions. Some you may even be embarrassed to ask. Not anymore. We’ll answer them all for you in easy-to-understand language, not baffling bank-speak.

Share sound advice and firsthand experience
We’ll give you guidance to make wise decisions – not just as expert brokers, but young home buyers who have been in your shoes and made good property moves.

Find you the right loan
We’ll discuss your needs and then do all the loan hunting for you. We’ll compare hundreds of loans from up to 25 lenders to find and arrange the right one for your situation and property.

Support you at every stage
We don’t just organise great investment loans. We’re by your side when you need us all the way from your very first bashful question to settlement delight and years to come.

We do it all for free
Our mortgage broker services and expertise doesn’t cost you anything. Seriously. The lender you choose pays us a commission out of their money once your loan is settled. Nice, huh?

Popular first property investor questions answered

For a first time investors this is always such an anxious question and one that can hold a lot of investors back from every starting. The truth is what makes a good investment will depend on what you are trying to achieve and where you are in your life. If your just starting out then you would want to try do a low risk longer term investment strategy which would be very different strategy to someone who is considering retirement in 5 or 10 years. A good investment will factor in many things which comes into three main categories which are;

1. Your why? (the goals or reason why you are looking to invest)

2. Do your homework (research and knowing the numbers is critical)

3. Exit strategy (having a plan for different planned scenario’s will minimise anxiety should the situation occur)

Well this is an open ended question, but probably the most important. There is no point shopping around in suburbs you can afford, it will only be wasting your time. How much you can afford comes down to your “borrowing capacity”. You borrowing capacity is calculated by taking into consideration current financial situation. There are lots of determining factors but here are the four biggies;

1. Income and commitments

2. Deposit

3. Credit history

4. Lifestyle and living expenses

For a quick calculation use our borrowing capacity calculator. For an exact figure you can contact us.

Buying costs is something not everyone accounts for. People don’t realise that all the purchase costs can add up to a substantial amount. As a quick rule of thumb I like to allow 5% of the purchase price will cover all the expenses.

For example if the property costs $500,000 then expect purchase costs to be roughly $25,000. This figure will vary depending on what state you are purchasing in and what the loan amount will be. If you would like a more exact figure than we will be able to assist you.

Banks will say 20% deposit is a great start. By paying 20% deposit you will avoid paying Lender’s Mortgage Insurance (LMI). How much deposit you will need comes down to the strength of your financial situation and how much debt you can service. The very minimum you will need is a 5% deposit (don’t forget about the purchase costs of buying). The bigger the deposit the stronger the financial position you will be in which gives you the best chance of getting the most suitable loan for you.

If you don’t have a 20% deposit don’t worry that is one of our specialties, and we love a good challenge so give us call today

When investing in real estate getting things wrong can be very costly. No one plans on this to happen to them but some naive people see everyone making lots of money off real estate and think it is just about buying any old property because it’s guaranteed to be a winner. The truth is yes you can pick a winner but it would come down a guess or chance. I don’t know about you but if I am putting my life savings on the line I wouldn’t want to leave it to a guess. There is two obvious ways to avoid mistakes when investing in real estate, and they are;

1. Get educated – There is so many books, seminars and free content that with a little bit of hard work and dedication you could become educated enough yourself to make a good investment.

2. Use a Professional – Buyer’s agents (aka property consultants)  are licensed professionals that specialise in searching, evaluating and negotiating the purchase of property on behalf of the buyer. A good buyer’s agent will be able to negotiate and help you purchase a great investment without you having to worry about making any mistakes.

Buying an Investment? Talk to us today

Meet some of our financially delighted clients

I recently worked with Dylan and found the experience to be exceptionally stress-free, quick and easy to manage. Dylan was quick to reply to emails and phone calls and discussed everything in detail so we were both on the same page. He displayed professional and personal service and I’d definitely recommend working with him.

Dylan was great to deal with, Very professional & kept us up to date and informed through our home refinance.

As a first home buyer Divitis Finance provided me with all the answers to my questions. Their service was reliable and they were there to help guide me through every step.

Dylan was able to guide us through our first home purchase. He was very helpful in telling us how much we could borrow, given we didn’t have a large deposit and we were able to buy a home on the central coast.

Get FREE mortgage insider advice sent to you

  • Dylan’s exclusive ‘Gen-Y Mortgage and Finance Guide’ video series

  • Top tips to save you time, money and stress

  • The latest market scoop from leading industry experts

25+ lenders we work with to find the right loan for you

We’ll do all the legwork, negotiating and paperwork. And you don’t pay us a cent.


Credit Representative Number 443435 is authorised under Australian Credit License Number 389328 © Copyright 2015 - Divitis Finance, All rights reserved.