Invest with Confidence: Loans That Align with Your Goals
Investing in property can seem overwhelming, but we’re here to simplify the process. Whether you’re starting out or expanding your portfolio, we provide expert advice and tailored loan solutions to help you make confident, informed decisions to ensure you are maximising your returns.
Strategy, planning and end-to-end support
Thinking about investing in property?
We’re here to support you every step of the way. From exploring your loan options to helping you understand the ins and outs of property investment, we’ll provide the expert guidance you need to make smart, informed decisions.
Our goal is to help you feel confident throughout the process and maximise your investment returns, whether you’re starting out or building your portfolio.
Know Your Goals - The Key to Smart Property Investment
Property is one of the most popular investments in Australia, recognised by experts as a stable and high-demand asset with consistently rising value.
However, aspiring property investors often face multiple challenges in building a successful portfolio. From setting clear goals to creating the right investment strategy, selecting the best properties, and securing the right financing, the process can feel overwhelming.
But it doesn’t have to be that way. When you start with clear goals and a strong plan, you can approach property investment with confidence and set yourself up for long-term success.
The Australian competitive market
The demand for property in Australia is growing rapidly, with population increases outpacing the supply of new homes, making the market more competitive than ever.
For investors, the challenge of building a strong and sustainable property portfolio has never been greater. As property prices rise and the market shifts, it’s crucial to have expert guidance and tailored financial solutions to help you get started, stay competitive, and maximise your returns over the long term.
That’s where we come in. Our team provides the insights and personalized strategies you need to navigate the market confidently. From identifying the right investment opportunities to securing the best financing, we’re here to guide you at every step, ensuring your goals are met and your investment thrives.
Outpace the Competition with Expert Guidance
We believe your investment strategy should be as unique as your financial goals. There’s no one-size-fits-all approach when it comes to property investing. That’s why we’re here to guide you through the process intelligently and thoughtfully, helping you get closer to achieving your financial aspirations.
At Empowered Lending Group, we’re investors too, so we understand the complexities of property investing firsthand. We’re committed to helping you take the next step toward building a successful property portfolio, providing support and expertise every step of the way.
Case Study
Sonia & Raj's dream becomes a reality.
With our personalised loan solutions and expert guidance, we helped Sonia and Raj turn their dream of owning an investment property into a reality.
Sonia and Raj had always dreamed of owning an investment property, but like many, they assumed it was out of reach. They believed that property investing required far more capital than they could manage, and the idea of navigating the complexities of financing felt overwhelming. For years, they set their dream aside, thinking it was something they would never be able to achieve.
That all changed when they consulted with us.
During our first meeting, we listened closely to their concerns and took the time to understand their financial situation. We showed them that, with the right plan in place, their goal of owning an investment property was within reach. Through personalised financing solutions and expert guidance, we designed a strategy that fit their unique situation.
Over the span of just 14 months, Sonia and Raj went from thinking property investment was impossible to acquiring not just one, but two investment properties. These properties are now key components of their retirement strategy, giving them both peace of mind and the confidence that their financial future is secure.
Sonia and Raj’s journey shows that with the right guidance and a tailored approach, your investment goals can become a reality too. Whether you’re just starting out or unsure of where to begin, we’re here to help you unlock your potential and build you a successful investment portfolio.
Simplifying the loan experience.
Get in touch with us.
We are looking forward to starting a conversation, building a relationship and helping you achieve
property success!
Frequently asked questions.
If you've got questions, we've got answers. Here as are some of the most common ones we get. For everything else, get in touch.
I want a property but have no idea where to start.
The good news is, we do!
We are here to fully support you and, if it helps we can introduce you to our network of professionals that are great, just like us. If you need a conveyancer, solicitor, real estate agent, building broker, property manager or anyone else, we can get you connected.
We can also help you find and apply for any grants, schemes or incentives currently on offer to help you maximise your property portfolio. This isn't just to First Home Owners, we can help you if you are looking for an investment property or a development project too.
Mortgage Broker vs Direct. Why use a mortgage broker?
One word...Value! We have access to over 65+ lenders with a total of hundreds of loan products and options available to us. This gives us the ability to top and tail a solution that fits your perfect needs.
Primarily, this results in a lower overall cost to you, especially as we always look to reduce your overall interest and all other fees associated with your loan. Combine that with the ability to do rate reviews and re-financing options and this translates into thousands of dollars in savings over the life of your loan.
The other huge benefit is the loan approval rate. Using a mortgage broker has a much higher approval rate than an individual going straight to the bank. As a comparison we have a 98% loan approval rate vs the industry average of 60% for bank loan approvals for individuals. This gives you better chances to get your perfect property and not miss out on it.
Finally, we provide the benefit of time! If you had to do this legwork yourself, it would take forever to contact and compare each lender's many loan products. Plus let's not mention the financial jargon you have to deal with. It's a bit like buying health insurance... can you really compare like for like? Not really!
The good news is, we can and we do - everyday for our customers so that they get the best loan that meets their exact needs.
Also the other thing is, banks aren't bound by Best Interest Duty obligations like mortgage brokers are. This means they will only offer you their products, whereas a mortgage broker has the legal obligation to recommend only the loan product that best fits your needs.
Do I have to pay to use your services?
Nope! We charge you ZERO fees.
Hmmm, don't worry we aren't working for free. All mortgage brokers are remunerated directly by the lenders via a commission that is paid when one of our clients takes out a loan with that lender.
Across all lenders the majority of the commission is very similar, that way we aren't swayed towards one lender or one product, but rather focus on YOUR needs to select the best deal for you!
On a side note, it is important to realise that some mortgage brokers do actually charge for their services, so be careful who you get into bed with (financially speaking of course). You can be assured that at Empowered Lending Group, we will never charge you.
How do I increase my borrowing capacity?
Good question! It's a popular one.
The simple answer is, decrease your overall debt exposure. You see there is a direct correlation between the current debt you have access to and the how much you can borrow. So by simply reducing that amount, you will end up being able to borrow more.
Some of the easiest ways to reduce your current debt levels are to lower your credit card limits, especially on credit cards that aren't maxed out. Even better, switch to debit cards and get rid of your credit cards.
Other things that you can do is pay off any car loans or personal loans that you may have. And if you can't afford to pay those off, that is ok too, we can look at consolidating all of those debts and rolling them into your into your new mortgage. Just one of the many tricks we have up our sleeves to help you achieve property success.
How much of a deposit do I need to purchase a home?
This is dependant on how much the purchase price of your property will be. At the risk of sounding obvious, the more the better (duh...you knew that).
Ideally you would want a deposit of 20% or more so that you can avoid Lender's Mortgage Insurance (LMI). For a lot of people, especially First Home Owners that is tough, we understand, so don't feel bad if that isn't something you can achieve. We can still help you!
The great news is, there are many lenders that only require a 5% deposit provided that you check a few boxes. In some cases you might be eligible to have your LMI waived too, with just a 5% deposit. Talk to us to find out if you qualify.
One thing to keep in mind is that there are other costs associated with buying a property on top of the purchase price. These need to be considered when working out your deposit percentage as they will all contribute to the total amount you may need to borrow.
Common examples of these extra costs are stamp duty, land transfer fees, mortgage registration fees and solicitors fees. It’s best to review these numbers with an expert, so if need help reach out and we can run the numbers with you.
What if I don't have enough of a deposit?
While we encourage you to save up as much as you can for your deposit, we completely understand that not everyone is in a position to save up enough required for an initial deposit.
The good news is, you're not completely stuck. There are other options such as government grants, schemes and incentives to help you get the deposit you might need. There are also other options too such as guarantors or equity from other assets you might own.
During our initial conversation, we can talk through all of the various options and work out what fits you best.
We don't live in Brisbane or Queensland, can you still help?
Yes we can!
While we our primarily mortgage broker focus is South-east Queensland and Brisbane regions, we are licensed to operate Australia wide.
And with today's modern technology, virtual meetings and remote verification of identity options, we have actually helped many interstate clients get their dream properties. We would love to get to know you and help you too. Please reach out so we can help!
How long the initial assessment take?
On the first time we meet!
We can get you the answers during our "chill chat" phase, just as soon as we have all of your initial details and a good understanding of your current financial situation and what you are looking to achieve.
Once we have those details, we'll run the numbers and provide you with an initial estimate before we conclude our first meeting.
A complete assessment usually takes us a few business days to complete once we have received all of the necessary paperwork and details. Don't worry it isn't daunting, and we will step you through everything we require to get going.
What is Lenders Mortgage Insurance (LMI) and do I need it?
Lenders Mortgage Insurance (LMI) is insurance that protects the lender if you can't pay your loan and your property sells for less than what you owe. Remember, LMI covers the lender, not you, even though you'll typically pay for it. You can't make a claim on LMI; only the lender can. LMI is different from mortgage protection insurance, which you can get to protect yourself if you can't make your loan payments.
LMI is only payable (by you) if you have a deposit of less than 20%. Even if you are in that situation, don't worry as LMI can be added to your loan, in other words it isn't something you necessarily need to pay out of pocket.
The good news is that LMI can also be waived if you work within certain professions or if you are a First Home Owner and meet certain eligibility criteria. To find out more, get in touch and we can walk you the details of LMI and if it applies in your situation.
Do I need a pre-approval and how long does it last?
If you are asking this question, then that means you know your stuff! We are impressed.
A fully assessed bank pre-approval typically lasts for 90 days. If you work with an experienced broker (we are one such broker) who thoroughly reviews your information and does the calculations right, you usually don't need to submit a pre-approval application to the lender. The broker’s estimate will be very accurate and won't impact your credit history.
We only suggest officially applying for pre-approval in specific situations, like if you're planning to bid at an auction or if your financial situation is complex and needs special attention from lenders. No need to stress though, we will let you know if this is something that applies to you and if so will help you through the whole process.