WHY HAVE AN INVESTORS DIRECT FINANCE STRATEGIST?

First of all, all our finance strategists are fully accredited with the Mortgage Industry Association of Australia and they have the highest standards when it comes to providing a professional mortgage service.

Secondly, as a property investor, it is nearly impossible for you to keep an eye on the thousands of mortgage products that are available in the market and even harder to track new mortgage products that may potentially create more business opportunities for you.

By having a finance strategist that is solely servicing the investor market you will benefit from the latest finance information and discover what is going on in the property market through other investors activities. Investors Direct is often referred to by our clients as; one of the best sources of property and finance information for investors that are out there making things happen. We don’t talk theories; we are in the market just like you.

DO I HAVE TO MEET AN ADVISOR OR CAN I DO IT BY PHONE?

All our appointments are done face-to-face in our offices or over the phone. Call 1300 663 836 to make an appointment or to speak with one of our finance strategists.

WHAT HAPPENS WHEN I SPEAK TO A FINANCE STRATEGIST?

Investors Direct has developed our own unique methodology to handle enquiries and appointments over the phone and email so we can assist clients from all over Australia to finance properties located in any area of Australia as long as they meet the lenders criteria.

WHAT INFORMATION DO I NEED?

When you first contact Investors Direct our client service department will ask you questions about your needs and they will inform you as to how we may help you with your situation.

Once we are clear on what you require, we will assign one of our experienced finance strategists to look after you personally. Remember we have helped thousands of property investors like you. You will be in good hand with us.

So please contact our office on 1300 663 836 and our friendly client service officers will explain the process to you.

WHAT QUESTIONS SHOULD I ASK?

If this is your first time contacting Investors Direct, you will probably need to tell our client service officers whether you would like to finance a purchase, refinance an existing mortgage, or simply look for different options that may be available to you.

If you have an existing loan application with us, you will have a contact person for your application that you can contact directly. However we keep you regularly updated as a matter of course.

Existing investor clients also call Investors Direct simply because they find a potential purchase and they want to know what finance options are available to them. Our finance strategists give simple answers immediately over the phone as we have got all existing investor client’s information in our computer systems.

HOW TO APPLY FOR AN INVESTMENT LOAN?

Applying for an investment loan is technically similar to applying for a normal home loan. The main difference is that as a property investor, you wouldn’t just go and get a mortgage because you find an investment property. You would normally consider the types of properties that you should go for; cash flow properties or capital growth properties.

You also need to consider your future financing capacity if you have the capacity and desire to purchase more investment properties. You don’t have to know all the technical details but you should inform your finance strategist about your plan, as selecting the individual lender may greatly affect your borrowing capacity.

A property investor will also need to have their tax structure and asset protection considered prior to purchase so that they purchase the investment property in the correct structure. Investors Direct finance strategists are fully aware of the importance of these issues and will refer you to the professionals that can help you.

WHAT HAPPENS AFTER I APPLY?

After you have decided to apply for a loan with Investors Direct, we will fill in the loan application based on the information you provide to us. You don’t have to do any paper work, but we do need you to supply minimum documentation for the approval process.

Depending on the lenders that we use, some lenders accept electronic lodgement, which means faster approval, while others accept only paper applications, which take longer to be processed.

We will lodge your loan application upon receiving your signature on relevant documents. The loan process will start after that. For more details, please see Loan Processing.