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Mortgage investment explained

How to get a mortgage for your investment property

With the exception of some legal differences, the process of buying an investment property is similar to buying your home.

1. Budgeting for your mortgage and the wider costs

• Work out a budget. It is a good idea to cover all your costs including building and pest inspections, strata searches and stamp duty.
• When you've found a property you want have your solicitor or conveyancer read and agree to all the conditions of the Contract of Sale before investing.

2. Applying for your investment mortgage with ING DIRECT

• Start right now. Just call an ING DIRECT Home Loan Specialist on 1800 199 106 to complete an application over the phone, then all you need to do is sign and send it back with your supporting documents. Or you can complete ING DIRECT's online application form, or post in an application form.
• They will contact you within 2 working days to clarify any details.

Please note that all credit applications are subject to ING DIRECT approval.

3. Mortgage approval

• Once your application is approved your Home Loan Specialist will contact you about the next steps.

4. Accepting our letter of offer

• You'll get a letter of offer from their solicitors to sign and return.

Welcome to ING DIRECT

• Your mortgage specialist will let be in contact to confirm your loan has been transferred to ING DIRECT.
• Now you're ready to rent out your investment property.
• Most mortgages take 3 to 6 weeks from application to settlement.

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