Home Lending
Investment lending is about structure as much as rate — cash flow, equity release, interest-only terms and how it all fits your longer plan.
Who this is for
Worth weighing
How Ascent helps
Lending modelled alongside your accountant or financial adviser, so it fits the tax and wealth strategy — we arrange credit; they advise on strategy.
Lender appetite for investors varies widely. We match your position to the lenders who want it.
Finance aligned to your buying strategy, not arranged in a panic after an offer.
The process
A no-obligation discussion about where you are and where you’re going — in person in Melbourne, or online.
Your full picture gathered once, options compared across the panel, and a clear plain-English proposal: the loan, the structure, the costs, and why.
We prepare, submit and manage the application, handle lender requests, and keep you informed at every stage.
Coordination through to settlement, then ongoing reviews so the loan keeps earning its place.
Lending is subject to eligibility, lender criteria and credit assessment.
Paperwork
Don’t worry if something’s missing — we’ll work through it together.
Questions
Interest-only keeps repayments lower and can suit cash-flow or tax strategies; principal-and-interest reduces debt and usually prices lower. The right answer depends on your plan and adviser’s guidance — we model both so the decision is made on numbers.
Commonly, yes — usable equity in an existing property can fund the deposit and costs on an investment purchase, subject to serviceability and valuations. We quantify your usable equity as a first step.
Investor pricing is generally higher than owner-occupier pricing, and interest-only terms price higher again. Margins vary meaningfully between lenders, which is where comparison earns its keep.
Information on this page is general in nature and does not take your objectives, financial situation or needs into account. Lending is subject to eligibility, lender criteria and credit assessment. Terms, conditions, fees and charges apply.
Enquire
Bring your accountant’s thinking; we’ll bring the lending.