Does this sound like you?
- You’re looking for a lender who can support your long-term view.
- You’re looking for certainty around how long your interest only period will be.
- You’re a seasoned professional residential investor.
- You have an established portfolio and good equity.
- You’re practical and driven to maximise return on investment.
- You’re looking for a lender you can truly partner with, one that understands the current regulatory environment.
You may be a good candidate for a Cashflow 20 Investor Loan.
Which Resimac product?
Cashflow 20 Investor Loan
A long-term approach to residential investment finance for professional residential property investors who want to maximise their ROI. It allows eligible customers to capitalise on existing equity and offers reliability of funding and certainty (in a market of much uncertainty) over the length of the Interest Only period.Featuring: Up to 20 years Interest Only to 50% LVR with Principal & Interest on additional lending above 50% LVR.
- Suitable applicants: Individuals, Companies and Trusts (Individual and Company Trusts)^.
- Loan use: Purchase investment, refinance investment, cash out1, business purposes or any other worthwhile or investment purpose^.
- Loan amount: Between $200,000 – $3,000,000.
- Minimum deposit: 40% (existing properties) or 30% (new builds2)
- Loan term: Between 10 to 20 years.
- Repayment options: Interest Only to a maximum 50% LVR and Principal & Interest for the remainder.
- Eligible income sources+: Primary assessment is residential rental income (incl. tenancy agreement or rental assessment with long-term rental income estimate over security property). Full-time, Permanent Part-time or Contract Employment (PAYE). Bonuses, commission and overtime. Self-employed (Full Doc) income.
Why Cashflow 20 Investor Loan
- Up to 20 years Interest Only to 50% LVR with Principal & Interest on additional lending above 50% LVR.
- Low establishment fee of 1.5% which can be capitalised.
- Pragmatic assessment of servicing capacity.
- Residential investment finance at competitive rates.
- Reliability of funding and long-term lending structures that support their ongoing cashflow.
- Local knowledge with pragmatic thinking to help navigate regulatory requirements.
- Quick turnaround so they’re ready when opportunities arise.
Why our customers love us?
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Excellent service
I was referred to Resimac by a family friend and although initially reluctant as they aren't a banking institution as such, my fears were way allayed. Their service was exemplary, from start to finish, and I look forward to further loan transactions with them. I would highly recommend.Fantastic Service
After having challenges with another bank, I approached Resimac to get a home loan. They went above and beyond to work loan through the bank's processes and kept me up to date at every step of the way. The loan was fairly time sensitive and they looked at every available option to get the loan approved, docs issued and settled. I was very happy with the timely result and flexibility offered. I wouldn't hesitate using Resimac again. Well done - 10 out of 10!A Better Alternative to Banks
From application to approval they all went well, without having to go to an office, all done by phone and email - very efficient process.
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Disclaimer: (1) Up to 70% LVR. (2) New builds, classified as within 6 months of CCC being issued. +For serviceability purposes. Conditions, limits and restrictions apply. Income documentation requirements apply. ^Terms, conditions, limits, exclusions and other criteria applies. (+) This is a guide only. Income will be assessed on a case-by-case basis. Income documentation will be required to prove income sources.
