LOW DEPOSIT INVESTMENT HOME LOAN

Popular with savvy investors, our low deposit investment loans enable you to borrow up to 95% of your property value.

Borrow up to 95% of the property value

Our low deposit investment loan lets you leverage your residential property assets and minimise the need for a large deposit.

  • Small deposits accepted

  • Borrow up to 95% of purchase price

  • Borrow up to $2M

  • Rates from 8.99% p.a.# (9.74% p.a. comparison rate*)

Easy to understand features, variables and fees

Features

Maximum LVR 95% ✅

Maximum loan amount** $2,000,000

Minimum loan amount $200,000

Principal and interest ✅

Interest only*** ✅

Additional repayments ✅

Free online redraw ✅

BPAY ✅

Third party account transfers ✅

100% offset facility with Visa Debit card## ✅

Split loans**** ✅

Repay weekly, fortnightly, monthly ✅

Professional investor### ✅

Fees

Application fee ✅

Valuation fee^^ ✅

Settlement fee ✅

Ongoing fee (annual) ✅

Manual redraw fee ✅

Discharge fee ✅

Professional investor fee ✅

Acceptable deposits

Non-genuine savings ✅

Gifted deposits ✅

Borrowed funds ✅

Inheritance ✅

Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please email us at info@modelcapitalsolutions.com for more details.

*Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Subject to LVR and postcode restrictions.

***Interest Only loans are subject to LVR restrictions and interest rates are higher than advertised interest rate. For further information on this product contact us at info@modelcapitalsolutions.com.

****$0 for loans with ≤ 4 splits. Additional fee applies for loans with > 4 splits.

##Any available redraw funds held in the offset facility connected with your loan account will be used to reduce the amount of interest you pay on your loan. Model Capital Solutions is not a bank. The offset facility on your loan account is not covered by any Government guarantee. International transaction fees apply on purchases or cash advances while overseas or in United States when the merchant processing the transaction is located overseas. ATM fees apply for a cash withdrawal at a non major bank ATM overseas or in United States.

^Other fees and charges may apply. Contact us at info@modelcapitalsolutions.com for more information on fees and charges.

^^Valuation fee not applicable for loans under 90% LVR. Additional valuation expenses may be payable where the anticipated security property value is >1.5m, where the security property is in a regional location or for additional securities.

###Application fee and interest rate loadings apply for company/trust or professional investor applicants with ≥4 properties.

Frequently asked questions

  • If you have a small or gifted deposit, the low deposit investment loan could be for you. The best way to know however is to get in touch with a Model Capital Solutions Adviser. They can look at your situation and help guide you to a loan solution that will best suit your needs. So, no matter your circumstances, Model Capital Solutions has solutions for free thinkers of all kinds.

  • At Model Capital Solutions we understand that not all borrowers can pull together a large deposit, which is why our low deposit home loan enables you to borrow up to 95% of the purchase price. Deposits less than 20% may require lenders mortgage insurance, however we can explore rolling this upfront cost into your loan so you can pay off over time. We have a range of home loans to help more free thinkers like you get financial and into a new home.

  • When it comes to finding the right home loan for your situation, there is more to consider than just the interest rate. While a lower interest rate generally means less interest paid over the life of the loan, if you’re a free thinker with unique circumstances, you might need a loan that requires other important features such as a smaller deposit or the ability to verify your income by alternative means. Ultimately, the best home loan for you is the loan that suits your circumstances.

    For a self-employed worker applying for a low doc investment loan secured by residential property, we can look at alternative documentation such as bank statements, BAS statements, or a completed accountant’s declaration. To learn more, Please email us at info@modelcapitalsolutions.com and one of our Loan Advisers will get back to you about your circumstances.

  • Taking the plunge into the property market is never easy. Whether you’re a first homebuyer or a seasoned investor, pulling together a full deposit on a new home can be a gruelling experience that takes time. Unfortunately, the property market doesn’t stand still while you pull your pennies together.

    Model Capital Solutions understands that many first-time buyers often have gifted funds from family members to help get a leg up on the property ladder sooner. Our low-deposit investment loan makes it possible for you to borrow up to 95% of the property value, reducing your deposit requirements.

    We also have options that roll costs such as Lenders Mortgage Insurance into the loan so that a large chunk of your upfront costs can be paid off over time.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To fine out more about target market determination for available product offers. Please email us at info@modelcapitalsolutions.com for more details.

Ready to get moving?

Wherever you are in your journey, help is here however you need it.