Home and Investment Loans

Providing Personal Finance Solutions for You.

Contact Whiteroom Finance today for an obligation-free consultation.

Home Loan & Investment Loan Brokers

Home loans and investment home loans are two of the most common forms of property finance for individuals looking to build wealth and achieve their financial goals. As an experienced mortgage broker in Perth, Whiteroom Finance helps clients navigate their lending options and secure the right home loans or tailored investment property finance solutions in Perth.

Whether you are upgrading or downsizing your home, purchasing your first property, expanding your portfolio with investment home loans, or reviewing your current loan to improve cash flow, Whiteroom Finance provides personalised advice and access to a wide network of lenders.

How Whiteroom Finance Can Help

Often, clients understand what they want but don’t always know how to achieve it. At Whiteroom Finance, we take the time to understand your personal finances, long-term goals and borrowing capacity. This allows us to recommend suitable investment property loans, home loan structures, or options to refinance an investment property, based on insight and expertise rather than assumptions.

Whiteroom Finance is your trusted mortgage broker that becomes part of your adviser network, helping you make confident financial decisions and achieve your property goals with the right home loan or investment property finance strategy.

Home Loan Broker

Purchasing a home can be a daunting experience. There are interest rates to consider, seemingly endless paperwork to fill out, not to mention the search for the home itself. This home buying journey can be really stressful and takes a toll on you and your family. Whiteroom Finance can help you with independent advice and guidance about:

Principal and Interest vs Interest Only repayments.
Fixed vs Variable interest rate arrangements.
Upgrading or downsizing your home.
Buying your first home.
Budgeting and savings.
Debt restructure.

We can also introduce you to valuable services like settlement agents, property inspections, and others to give you peace of mind. Before you even start looking for your new home, you should speak to our team of home loan specialists. We help you understand how much you can afford on monthly repayments, ongoing fees and more, so you will have a good idea of how much you can spend before you even start your search.

Refinancing Your Home Loan

As a homeowner with an existing home loan, chances are you’ve heard the term ‘refinancing’. Refinancing your home loan simply involves reviewing your current mortgage against your personal needs and desires, comparing terms against current market offers, and potentially swapping your home loan to another lender who can better meet your current needs, wants and circumstances.

This process can also apply if you are looking to refinance an investment property, allowing you to review your current loan structure, improve interest rates, or adjust your investment strategy to better suit your financial goals.

However, refinancing is not suited to everyone. Sometimes, a review reveals that a refinance isn’t required, and only minor adjustments to the terms with your current provider are necessary to put you in a good position.

Home Loan Refinance Broker

There are many different factors to consider before refinancing. As your home loan refinance broker, we will take the time to discuss your needs and objectives, analyse your current financial situation and make recommendations suited to your unique circumstances – whether you are reviewing your home loan or planning to refinance an investment property.

Whiteroom Finance offers a free review every year. We’re committed to ensuring your home loan or investment loan remains relevant to your changing financial goals.

Home Construction Loan

Thinking of building a new home? Did you know there is special type of personal finance loan for that purpose? A construction loan is progress based, meaning your builder receives funds in stages (progress draws) as the construction of your new home progresses.

The lender will rely on the value of the property as if it is complete, and will pay the builder directly as the construction progresses. You will only pay interest on the balance of the loan as it increases during construction, not the whole loan amount at once. When your house is complete and all the progress draws are finished, you will begin paying full principal and interest payments on the total amount.

A construction loan is great because it saves you money while you build and because the lender will provide a loan balance based on what they expect the property to be worth once it’s finished, not just the vacant land.

First Home Buyers Loan

Looking to buy your first home? There are many types of finance aimed at first home buyers and a lot of pitfalls to look out for. Whiteroom Finance knows this can be confusing and helps drown out the noise to find the right home loan that works for you. We help you understand:

Principal and interest loans.
Variable rate loans.
Interest only home loans.
Fixed rate home loans.
Split loans.

Often, it can be difficult for first time home buyers to save a deposit for a home loan. Thankfully, there are some government and lender options available to help first home buyers to get into the market. Whiteroom Finance can help you understand your borrowing power, the options available to you and will work with you to support you on your journey to home ownership.

Investment Home Loans

Investment home loans are commonly used to purchase an investment property, though they can also support other investment property finance strategies depending on your goals.

Much like any home loan, the amount you can borrow for investment property loans depends on the equity (or deposit) you have available and your borrowing capacity. Unlike a standard home loan, the interest on an investment loan may be tax deductible, and the asset purchased can generate rental income.

The most common type of investment property finance is used to buy an additional property. Rental income from tenants helps contribute towards the mortgage, with loan costs and property management expenses often offset against this income. When these costs exceed the rental income, this is commonly referred to as negative gearing.

You may also be able to use the equity in your existing home to access investment property loans for other assets such as shares or additional property.

Investment Mortgage Broker

Whether purchasing an investment property or looking to refinance an investment property, the right approach depends on the equity you have available, income vs expenses, the type of asset being purchased, short, medium, and long-term investment strategy and even your own aversion to risk. A qualified mortgage broker for your investment property can help assess your options and structure the right loan to suit your goals.

Speak with the team at Whiteroom Finance today to discuss tailored investment home loan and investment property finance options to help you achieve your investment goals.

Get the loan that's right for you.
Contact Whiteroom Finance today.

Finance Calculators

Frequently Asked Questions

What’s The Difference Between A Home Loan & An Investment Loan?

A home loan is used to purchase or refinance the property you live in, while an investment loan is designed for buying an asset that generates rental income. Investment loans often different rates, loan repayment options (like interest only) and tax implications. Whiteroom Finance’s brokers will help you structure your loan to suit your personal financial goals, whether that’s home ownership, wealth building or both.

Can I Use Equity In My Current Home To Buy An Investment Property?

Yes. If you’ve built up home loan equity, you may be able to leverage it and use it as a deposit for an investment property. This is common strategy used by property investors to grow a portfolio without saving from scratch. We’ll calculate your usable equity, assess your borrowing power and guide you through loan options that align with your future plans.

What’s The Best Loan Structure For A First Home Buyer?

There is no one-size-fits-all solution that suits everyone. As a first home buyer, your ideal loan structure depends on your deposit, income, lifestyle and plans for the future. Some buyers benefit from offset accounts or the ability to make extra repayments, while others may prefer a fixed rate for certainty. We’ll help you understand what works best for your situation, both now and into the future.

When Should I Consider Refinancing My Home Loan?

If it’s been longer than 18 months since your last loan review, or if your circumstances have changed (like income, property value or financial goals), refinancing could help you secure a better rate, reduce repayments or access equity. It’s also a smart move if you’re switching from a fixed to variable rate or considering an interest only investment loan strategy.

Can I Have Multiple Loans For Different Properties?

Yes – and in many cases, it’s a smart investment strategy. Separating your home and investment loans allows for more clarity around tax reporting, more flexibility and reduced risk. Whether you’re growing a property portfolio or just buying your second home, we’ll help you structure your finance to keep things clear and future-ready.