Investment Loans

Investment Loans in Warners Bay

Maximise Your Borrowing Capacity

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Build on Your Portfolio

East Coast Finance Group is here to assist you in making a property investment in Warners Bay, Newcastle, Lake Macquarie, Maitland, Mudgee, Cardiff and surrounding areas. It’s essential to find a loan that maximises your borrowing capacity, so you can continue to build on your existing portfolio. 


In order to find a loan tailored to your needs, we take you your income, debt, savings and ownership of current properties into account. Our team can provide valuable support throughout the process, managing all aspects of loan structuring, as well as cash flow.


Book a consultation with East Coast Finance Group today. Call our team on (02) 4956 9909.

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Application Check Lists

When applying for a loan you will be required to fill out a loan application form. The application will require details about your income, credit and savings. East Coast Finance can assist you with the application process from beginning to end.


The application helps determine if you qualify for a loan and measures your debt ratio—an important part of working out how much of a house you can afford.


The type of documents you need for your application will depend on your circumstances as detailed in the drop boxes below. For more information, book an appointment with our team on (02) 4956 9909.

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PAYG Checklist

Personal Identification - 100 Points of Identification is required:


  • A current passport or Birth Certificate is 70 points
  • Driver’s licence, a further 40 points
  • In the event that these supporting documents are in your maiden name, you’ll also be required to provide your marriage certificate


In the event you do not have one of the above forms of ID, you can provide:


  • Medicare Card
  • Council Rates Notice
  • Pensioner Concession Card
  • Credit Card or ATM debit card


Income Details - The two most recent payslips from your employer:

Ideally these will show:


  • The company name, number of payslip & year-to-date income figure
  • The most recent Group Certificate from your employer


You May Also Need:

Rental income statements or bank accounts showing rental income for any:


  • Investment & properties
  • Proof of share dividends or interest earned
  • Centrelink letter confirming family tax benefits
  • Centrelink letter confirming permanent government pensions
  • Private pension group certificate or statement
  • Proof of any other regular, ongoing income


Additional Documents for Refinancing:



  • Documentation on your existing loan including the date the loan commenced, loan period & any financial penalty payable if you exit the loan early
  • Statements from the last six months for any existing home loans & personal loans
  • The most recent Council Rates Notice & building insurance policy on the property or properties being offered as security
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PAYG Checklist

Credit Cards:


  • If you have credit card debt, statements for the last six months
  • If you don’t owe anything on your credit card, the most recent statement


Additional Documents If You Already Own a Home:


  • Statements for the last six months for any existing home loans or personal loans 
  • Your most recent credit card statement
  • Copy of the Contract of Sale for the property you’re buying
  • Statements for the last six months to show your savings/investment history (this could include share certificates, savings account statements, term deposit statements, etc.)
  • If other funds are being used for the purchase, evidence showing where the funds are held
  • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money
  • Additional documents for investors


If you already have investment property/ies:


  • Evidence of income such as rental statements
  • A copy of the tenancy lease
  • A Council Rates Notice
  • Copy of the Contract of Sale for the property being purchased
  • A letter from a property manager indicating likely rent for the new property


Additional Documents for Borrowers Seeking a Construction Loan:



  • A copy of a valid builder’s fixed price tender, including all specifications
  • A copy of Council approved plans
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First Time Property Investor

If you are a first-time property investor in Warners Bay, Newcastle or Lake Macquarie, our team can provide assistance with securing a loan. Oftentimes, this process is time-consuming and complicated. At East Coast Finance Group, we make it our goal to remove stress, hassle and unnecessary trouble when seeking the right option for you.


If you are self-employed, you will likely have a more difficult time getting an investment loan. Our team can help you arrange the required documentation, giving you access to all the industry knowledge required. Get in touch with our team on (02) 4956 9909 to organise a consultation for an investment loan.

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