Buying a home – either to live in or as an investment – is a big commitment, so it’s important to borrow in a way that doesn’t compromise your financial future.
From home loans for self-employed individuals to specialised financing for property purchases through self-managed super funds, our specialist brokers will help you find your ideal loan.
Discover how we can help you finance for the future.
Buying an investment property often requires a different type of loan to mortgages on owner-occupied properties.
We’ll work with you to find a loan that positions your investment for optimal returns – you’re ready to start building your wealth through property, and we want to help make that happen.
Whether you need a mortgage for your first investment property or you’re ready to take out your third residential loan, our brokers will help you navigate the financing process.
ALIC specialises in helping Australian businesses and investors build wealth through property.
We’ll give advice based on a strategic view of your property portfolio.
Get flexible loans tailored to your unique investment circumstances.
Buying a home is one of the biggest decisions you’ll ever make, so it’s important that you do it the right way.
A home loan tailored to your circumstances can make the difference between a stressful liability and a successful investment.
Our experienced lenders will work with you to find you a loan with the right repayment structure, interest rate, and LVR, so you can get the most out of your new property.
Find out how we can help.
We can help get 90-day conditional approval on certain loans.
You may be able to borrow up to 95% of your property’s value.
We’re experienced in brokering high-value residential loans.
Self-employed borrowers often face unique challenges when it comes to mortgages, especially if their businesses are less than two years old.
Most lenders regard self-employed borrowers as high-risk – from their perspective, your income is less certain than a salary, which means they’re often less willing to offer you a loan.
Luckily, not every lender stigmatises self-employed borrowers. By leveraging our lending panel and industry network, we’ll help match you with progressive banks and non-bank financers who feel comfortable backing your mortgage.
Talk to us about strategies for obtaining your self-employed home loan.
Borrow up to 90% of your mortgage with lenders’ mortgage insurance (LMI).
Our lending panel includes non-bank financers, making it easier than ever to get a mortgage.
Choose from a wide variety of fixed and variable interest rates.
Purchasing property through your self-managed super fund (SMSF) can be a good way to maximise your super returns.
Borrowing directly from lenders, though, can attract higher interest rates than normal residential mortgages – SMSF property loans are strictly regulated and are considered riskier.
Our experienced brokers will coordinate with you to find a loan that matches your SMSF circumstances. Many lenders have specific contribution requirements, and repayments for SMSF properties must come from within the fund itself, making favourable repayment conditions especially important.
Talk to us about maximising the value of your super with an SMSF residential property loan.
Get access to lenders with competitive loan-to-value ratios.
Work with brokers who specialise in SMSF loans to streamline your mortgage approval.
Take out mortgages on a range of different property types, including agricultural properties and high-rise buildings.
Choosing a mortgage broker is a big decision – especially if you’re taking out a loan for a business or an investment.
Find out how The ALIC Advantage makes us the best choice for investors, business owners, and high net worth individuals.
Our specialised brokers have an average of 15 years’ experience in the banking and financial sectors.
Your loan matters, which is why we have an average client response time of just 38 minutes.
We’re here to finance your future – and that means brokering loans that lead to better outcomes for you.
Use the calculator to get estimates of your property loan repayments.
Yes, getting a loan for a residential property is generally much easier if you go through a mortgage broker.
A good broker will act as a guide to the complex world of property financing – they’ll help you understand the loan process and what lenders look for, they’ll operate in your best interests, and, most importantly, they’ll help broker a loan designed for your specific situation.
Mortgage brokers maintain a network of lenders that they can easily reach out to, which means they may be able to help you get a mortgage even if you’ve been rejected when you’ve applied directly to banks. They’ll be able to represent you in the best possible light, making it more likely that you can get a loan with favourable repayment conditions and interest rates.
A mortgage broker doesn’t normally give loans. They act as a liaison between you (the borrower) and the lender, who can be a bank or a non-bank financer.
Most banks let you borrow directly from them, but it often makes more sense to go through a mortgage broker. Banks are a lender, which means they typically have set home loan rates. These rates aren’t ideal for everyone, and you may benefit from the tailored rates that a mortgage broker can facilitate.
Banks may also not want to lend to you outright, especially if you already have a number of mortgages. A mortgage broker can negotiate with the bank to get you a loan; if they’re unable to get a loan from a particular bank, they can help you find another lender from their network of banks and non-bank financers.
Coming soon.
Talk to our brokers about financing for residential properties.
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