Investment Property Buyers
Ready to grow your property portfolio?
We’ll take care of the finance.
We’ve helped investment property buyers all over Australia & abroad to secure finance for their investment properties.
Although we are based in Perth, our expertise in assisting investment property buyers with finance extends well beyond the local Perth property market. We’ve helped clients living in America, Bosnia, France, Indonesia, Melbourne, Sydney, regional WA & beyond to secure their investment properties all over Australia.
Want to know more about us? Meet the faces behind Achievement Finance.
How can we help you secure finance for your investment property?
We’ll guide you through the entire process, from assessing your borrowing capacity to securing the best loan options available to you.
As an independent brokerage (meaning we do not work for the banks), we have access to a variety of banks; this allows us to find and present you the most competitive rates and terms to suit your investment strategy.
Interested in a certain suburb? We can provide you free property reports! This is very handy for investment property buyers as it gives you insight about the local conditions, including estimated property value, comparable sales in the area, suburb information and much more, therefore helping you make informed investment decisions.
We believe in transparency in the way we do business. You can trust us to provide honest advice and open communication throughout the entire process.
We have access to more than 60 lenders including major banks, second tier & private lenders
Meaning we will find you the options that best suit your needs. Each lender has different application requirements for investment property buyers, including ever changing policies and risk appetites; so it pays to work with an experienced mortgage broker to find the right fit.
Broker vs. Bank — Who should you choose to help with your investment property loan?
The alternative to working with a Finance Broker to secure your investment property loan is to go directly to a bank. However, you are then restricted to that bank’s specific loan products, interest rates and policies.
As an investment property buyer, this could result in missed opportunities for you for potentially better (lower) interest rates or products available from other banks, as well as limited flexibility in customising the investment loan to fit your specific needs.
As your Brokers, we have access to multiple banks, which means we will present you with multiple loan options tailored to you, rather than favouring any single bank’s interests or products. Once the options are presented to you, you can then select your preferred bank, and don’t worry, we will provide you with guidance and recommendations to make this decision!
EXCELLENTTrustindex verifies that the original source of the review is Google. I would highly recommend Ron Terrazas as a broker. Throughout the entire process, both my partner and I received outstanding support, clear guidance, and continuous assistance at every stage of our decision-making. Ron demonstrated a high level of professionalism, expertise, and dedication, explaining each step clearly and ensuring we felt confident and well-informed at all times. His availability was exceptional—he was always willing to help, even outside standard business hours, and despite the time difference between Australia and Chile, he consistently responded promptly and with a positive, supportive attitude. His commitment, approachability, and genuine care for his clients truly set him apart. Working with Ron made a complex process smooth and stress-free. I would confidently recommend him to anyone seeking a reliable and dedicated broker, and I would gladly work with him again in the future.
Owner's reply
Thank you for taking the time to leave such a thoughtful review Pedro! We’re so happy to hear you felt supported and confident throughout the process. Ron puts a lot of care into making sure every client is well informed and looked after. Wishing you all the very best with your new home and look forward to working with you again in future!Posted onTrustindex verifies that the original source of the review is Google. The first time I contacted Terry I was immediately blown away by his enthusiasm, knowledge and empathy. Going into the process while navigating a difficult situation was made so much better by having Terry's expertise, guidance, clarity and unwavering positivity. Terry and his team are experts, they have an impeccable process and communicate effectively giving you confidence, clarity and comfort. I have a mortgage broker for life.
Owner's reply
Adriana, thank you so much - it was a pleasure working with you! We really appreciate your trust and kind words and look forward to helping you in the future. Congratulations again! 🥂🏡Posted onTrustindex verifies that the original source of the review is Google. Terry has been great in helping us choose the right loan for our first home purchase, as well as supporting us throughout the loan application process. He has also offered different options to align your loan with our risk profile and repayments, making the process smooth, simple and clear. He will be definitely involved in our next purchase. Thanks Terry for all of your support
Owner's reply
Thanks Gabe! Congratulations again on the purchase of your first home 🏡 It was a pleasure assisting you and Jemma with your home loan finance. All the best and we look forward to working with you again soon.Posted onTrustindex verifies that the original source of the review is Google. The team at Achievement Finance are great people, easy to communicate with and offer great financial services.
Owner's reply
Thank you so much Bianca! Appreciate your lovely review.Posted onTrustindex verifies that the original source of the review is Google. Can’t thank Terry and the team at Achievement Finance enough. They are great at what they do, professional, responsive, and incredibly helpful throughout the entire process. Everything was explained clearly and made easy from start to finish. Highly recommend.
Owner's reply
Thank you so much Bec. It's been fantastic assisting you with your home loan. Wishing you all the best with your renovations and we hope you have a very Merry Christmas!Posted onTrustindex verifies that the original source of the review is Google. me and my partner were very nervous about the whole process of looking into buying our first home. Terry, Luke and the Team at Achievement Finance helped us so much and understanding everything no matter how many questions we had. They made the whole process run smoothly without us having to stress over anything! we couldn't recommend Terry and the Team more, they were amazing!!
Owner's reply
It was our pleasure, Holly! We're so happy for you and Cain as you start this exciting new chapter of home ownership 🏡 Have a lovely Christmas & New Year and we look forward to working with you again soon.Posted onTrustindex verifies that the original source of the review is Google. I had a great experience organising my home loan with Achievement Finance. Terry explained everything really clearly, recommended the best options to suit my needs and kept me updated the whole way through. Thank you for making the process simple and stress free 😄
Owner's reply
Thanks Chiara for your kind words 😄 We are so happy we were able to assist you with your home loan refinance and equity release. All the best with the upcoming renovations!Posted onTrustindex verifies that the original source of the review is Google. Everyone at Achievement Finance has been a great support in helping with our financial goals. Their team is professional, approachable, and always willing to explain things clearly, which made the whole process feel straightforward and stress free. I really appreciated the personalized approach; they took the time to understand my situation and offered solutions that actually fit my needs. Overall, I found them reliable and transparent. I’d happily recommend Achievement Finance to anyone looking for trustworthy financial guidance
Owner's reply
Thanks for such a lovely review Naomi! It was a pleasure assisting you. All the best with your home renovations 😀Posted onTrustindex verifies that the original source of the review is Google. I recently worked with Terry and the team at Achievement Finance when purchasing my first home in Perth and I couldn’t be happier with their service. From day one they offered clear advice on first-home buyer loans and helped me understand how much I could borrow and the incentives available in WA. They negotiated with multiple lenders on my behalf to make sure I got the best rates and made the paperwork for the loan application simple and kept me updated at every step. Making sure I got the best rates and the lowest fees. During settlement they provided guidance in conversation with settlement agents and the bank. They also assisted in setting up my accounts to maximise efficiency and guided me on how to best manage my finances to make the process as smooth as possible. Thanks to their guidance I secured finance much sooner than expected and felt confident throughout the process. If you’re a first-home buyer in the Perth area looking for a trustworthy mortgage broker, I highly recommend Achievement Finance.
Owner's reply
Couldn't wipe the smiles off our faces with this one! Thanks Matt - appreciate you taking the time to leave such a lovely review. It's been a pleasure helping you secure finance for your new investment property 🥳🏡Posted onTrustindex verifies that the original source of the review is Google. Your hard work allowed us to secure our dream block of land in our dream suburb. From start to finish, we felt as if we were in the best hands. Much love & respect to Terry & the entire team. 🙌
Owner's reply
Thanks so much Dan! Over the moon for you both and we can’t wait to see the amazing family home you build 🏡🛠️
Questions?
We have answers.
A mortgage broker (also known as a finance broker) is a licensed professional who serves as an intermediary between borrowers and lenders. They assess the financial circumstances of borrowers and connect them with suitable mortgage products offered by various lenders. Brokers facilitate the mortgage application process, offering personalised guidance and assistance to help clients secure competitive loan terms tailored to their needs.
Yes, contacting a finance broker before you start looking for an investment property is recommended! Doing so allows you to gain valuable insights into your borrowing capacity and the mortgage options available to you. By understanding your financial situation, you can establish a realistic budget and confidently explore properties within your price range. This proactive approach not only streamlines the process but also puts you in a stronger negotiating position when making offers on properties.
$0. Our services come at no cost to you – This is because we are paid a commission by the bank of your choice once your loan has settled. This means you benefit from our expertise and support without an additional out-of-pocket expense.
In the (very) rare event that a fee-for-service is required, we will notify you upfront.
The loan-to-value ratio (LVR) is a measure used by lenders to assess the risk of a loan by comparing the loan amount to the appraised value of the property. It is expressed as a percentage. For example, if you are borrowing $400,000 to purchase a property appraised at $500,000, the LVR would be 80% ($400,000 / $500,000 * 100). LVR is an important factor for lenders because it helps them determine the level of risk associated with the loan. Generally, the lower the LVR, the less risk for the lender, as there is more equity in the property. Borrowers with lower LVRs may be eligible for lower interest rates and may not be required to pay Lenders Mortgage Insurance (LMI).
Equity refers to the difference between the current market value of a property and the outstanding balance on any loans secured against it. It represents the portion of the property that you own outright. You can leverage equity for investment property financing by using it as a deposit for a new property purchase, or accessing it through refinancing to fund renovations or other investments. Lenders often allow borrowers to borrow against their equity, provided they meet certain criteria.
An interest-only loan is a type of mortgage where the borrower only pays the interest on the loan amount for a specified period, typically between one to five years. During this period, the principal loan amount remains unchanged. After the interest-only period ends, the loan usually reverts to principal and interest repayments, where the borrower pays both the interest and a portion of the principal loan amount.
Interest-only loans are a popular choice for some investors because they offer lower initial repayments compared to principal and interest loans. This can free up cash flow, allowing investors to allocate funds to other investments or expenses. By paying only the interest portion of the loan, investors can minimize their immediate financial commitments, particularly during the early stages of property ownership when rental income may be lower or when focusing on maximizing tax deductions.
Some investors choose interest-only loans as part of a strategic investment strategy. By focusing on interest-only repayments, investors may aim to maximize their leverage and potentially achieve higher returns through capital growth. This strategy allows investors to leverage their capital more efficiently, potentially increasing the overall return on investment when property values appreciate over time.
However bear in mind, while they offer lower initial repayments, interest-only loans typically result in higher overall interest costs over the life of the loan compared to principal and interest loans.
General Investor FAQs
(Always best to speak with your Accountant!)
Capital gains tax (CGT) is a tax applied to the capital gain (profit) made on the sale of an asset, including investment properties. The CGT is calculated by subtracting the property’s cost base (purchase price and associated costs) from the sale price, with any resulting profit subject to tax. The rate of CGT depends on factors such as the individual’s marginal tax rate, the length of time the property was held, and any applicable CGT discounts or exemptions.
Negative gearing is a property investment strategy where the expenses associated with owning an investment property, such as loan interest, property maintenance, and other costs, exceed the rental income generated by the property. The shortfall (loss) can be used to offset other taxable income, reducing the investor’s overall tax liability. While negative gearing can provide tax benefits in the short term, investors rely on capital growth in the property’s value over time to generate a profit when the property is sold. Negative gearing is a high-risk strategy and may not be suitable for all investors.
A depreciation schedule is a report prepared by a qualified quantity surveyor that outlines the depreciation allowances for the various fixtures, fittings, and structural elements of an investment property. Depreciation is a tax deduction that allows property investors to claim the decline in value of these assets over time as an expense against their rental income. Depreciation schedules can provide significant tax benefits for investors, increasing cash flow and reducing taxable income. It’s essential to obtain a depreciation schedule to maximize tax deductions and ensure compliance with tax laws.
Rental yield is a measure used by investors to assess the return on investment (ROI) generated by a property from rental income. It is calculated as a percentage of the property’s annual rental income relative to its purchase price or market value. Rental yield provides insight into the property’s potential income-generating ability and can help investors compare different investment opportunities. A higher rental yield indicates a higher return on investment, while a lower rental yield may indicate lower rental income relative to the property’s value.
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