Finance advice
Otto Dargan

Can you buy an investment property with no deposit? How?

By Otto Dargan

Property investors are often assisted by First Home Buyers Loan and other benefits for when they purchase their first investment property, but can you still buy a second property with little to no deposit?

Blogger: Otto Dargan, director, homeloanexperts.com.au 

Saving a deposit is hard work! I remember when I purchased my first investment property I felt like I was running after a speeding train. The more I saved, the more house prices increased.

I finally got into the property market, however many investors today will miss the boat if they don’t act quickly.  So how can you buy a property without saving a large deposit?

105% guarantor loan
Do your parents own a property in Australia? If they do then they can provide a limited guarantee for your mortgage.

This means that you can borrow 105% of the purchase price, with no deposit and waived LMI!

What’s the catch? Most banks will not approve a guarantor loan for an investment property and some do not accept your parents as guarantors if they are already retired or if they already have a loan on their property. A good mortgage broker will know which banks can help.

An additional loan
Some lenders will allow you borrow 95% with an additional small unsecured loan for $15k to $20k to assist you with paying for costs such as stamp duty. That just halved your deposit. Not bad at all!

There’s a catch with this one too. You must have saved 5% of the purchase price yourself. You can borrow 95% for a home, yet only 90% for an investment property so this works well for people who intend to live in their property and rent it out one day in the future.

Vendor kickbacks and incentives
Developers and builders often have cashback offers or other special incentives which can be used to form part of your deposit.

That’s all great except that sometimes the bank valuer reduces their valuation by the size of the kickback. Banks often consider the real purchase price to be the purchase price less the kickback and they reduce the loan accordingly.

Government grants
In some states there are grants for people who buy or a build a new property. Not just for first home buyers, investors can benefit too!

This is an effective way to reduce the size of your deposit because the valuer will not take the same conservative approach that they take with developer cashbacks.

Squeezing more from your equity
You can refinance your current properties and release equity to use as a deposit for your next purchase. I know, you’re thinking that I’m stating the obvious.

Here are the not so obvious tips. Firstly different banks have different valuers and different valuers have different opinions. A good mortgage broker can order valuations up front and then you can refinance with the lender that has the best valuation!

In addition to that some lenders allow you to refinance to 95% LVR. Just a disclaimer, you must be squeaky clean to get approved.

Read more: 

6 signs a suburb is set to boom: part 1 

EXCLUSIVE: The 6 week property transformation - episode 6 

6 tips to avoid becoming emotionally attached to your property 

How much should you spend on your renovation? 

6 steps to $100,000 passive income 

NEWSLETTER
Be the first to hear the latest property investment insights
 

About the Blogger

Otto Dargan

Otto Dargan

Otto Dargan is a two-time winner of St George Bank's 'Australia’s Brightest Broker' competition and the managing director of specialist mortgage broker homeloanexperts.com.au

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Getting finance approved in this tightening lending environment

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