Structuring your finances correctly is crucial to building wealth long-term.
Motivate Finance are your specialist investment property brokers, we understand that the right lending structure is just as important as the property itself. We work with a wide range of lenders and loan products to ensure your investment finance is structured correctly from the outset, supporting both asset protection and your ability to continue investing over the long term. Every recommendation is made with your broader investment strategy in mind, not just the next purchase.
Our Services
As your property investment specialists Motivate Finance provide expert guidance and brokerage services to buyers and investors across Australia.
Pre-Approvals
Know exactly how much you can spend when looking for your property. We can compare 100’s of options to get you the best outcome possible.
Property Finance
As Property Investment specialists we work as your mortgage broker to get you the best loan to suit your needs. We consider long term borrowing capacity to ensure you can continue investing in the long term.
Refinancing
If you’re looking to refinance to access equity for your next investment property or to get better rates on your loans, we’re always here to help.
Asset Finance
If you’re looking to secure a new car or a personal loan we can help you secure finance with terms and interest rates to suit you.
Commercial Finance
If you’re looking to expand your business or purchase a commercial property for investment purposes we can compare loan options and find you a loan to suit your personal situation.
First Homebuyer Assistance
If you’re planning to purchase a home for the first time, our team provides detailed guidance on everything you need to know, and help to navigate various government grants and schemes.
Frequently Asked Questions
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When you go to see your everyday bank, they can only provide advice on that specific banks products & policies. When you see an independent Mortgage Broker, they provide the lending advice across a range of banks & lenders, suited to your needs & goals. With your property strategy, we may recommend using a variety of different banks to help put the security back in your hands, rather than leaving you at the mercy of one bank.
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Generally speaking, if you have enough funds saved for a 20% deposit plus costs, then you’ll avoid paying LMI. In some cases, exceptions may apply to this, meaning you won't need to pay LMI with less than a 20% deposit if you’re in certain industries, income levels or in line with some Government back schemes.
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Yes, if you have enough equity, you can typically leverage up to 80% of the value of your home (minus the debt) to be used as deposit for your next property purchase – this is called ‘Useable Equity’. There are some circumstances where lenders may allow you to leverage up to 90% of the value of the home.
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As an independent broker, we are paid by the banks after settlement of the loan, meaning our service is at no cost to you.
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Refinancing is when we approach a lender (same bank or different), and adjust your loan structure for your financial benefit. For example, this may be to release useable equity, reduce your interest rates or costs, or improve cash-flow.
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As per our ‘Best Interest Duty’, an independent broker is bound by very strict laws to ensure that our recommendations are the most suitable for your needs & goals. When we assess your situation, you will be provided with a Credit Proposal, outlining the top options for you, as well as the specific reasons we’re recommending that particular loan & structure. Once you’ve approved this, then we move to facilitate this on your behalf.
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As per our ‘Best Interest Duty’, an independent broker is bound by very strict laws to ensure that our recommendations are the most suitable for your needs & goals. When we assess your situation, you will be provided with a Credit Proposal, outlining the top options for you, as well as the specific reasons we’re recommending that particular loan & structure. Once you’ve approved this, then we move to facilitate this on your behalf.
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Generally speaking, many First Home Buyers are starting with as little as a 5% deposit plus costs. If you want to avoid having to pay LMI, typically you will need 20% deposit plus costs. Most people enter the market somewhere in between. The deposit amount itself is based on the property, value, lender and your situation.
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Yes, we can assist no matter where you are living, working or purchasing. Nowadays with online video calls, e-signing, and online verification systems, most of our industry is moving to working online.
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For most people, once you’ve purchased the property, it may take anywhere from 3-6 weeks to obtain finance approval. Keeping in mind, there are a lot of factors that need to be considered, for example, the number of properties, loans, banks and vendors involved in the transaction. It is important to engage with your broker before you even considering buying, to ensure you’re prepared and ready.
Contact Motivate Finance
