Before making any financial move, it’s important to understand what to research before you invest — especially when it comes to loans and property.
At Onvested Finance, we believe smart investing starts with smart financing. Whether you’re looking to invest in property, purchase a new car, grow your business, or refinance, doing the right research before committing to a loan is critical.
Here are 7 things to research before making any financial investment or taking out a loan:
1. 🎯 Define Your Investment Purpose
Before applying for finance, ask yourself:
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What am I investing in — property, a vehicle, or equipment?
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Is it for personal use or income generation?
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How long do I plan to hold this investment?
💡 Understanding your “why” helps determine the right loan structure (e.g., interest-only, fixed, or variable).
2. 💰 Know Your Loan Options
Different goals require different finance products:
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Home Loans – for owner-occupiers or first-home buyers
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Investment Loans – tailored for property investors
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Car Loans / Hire Purchase – for vehicles, both personal and business
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Commercial Loans – for business equipment, property or cash flow
✅ Work with a broker (like us!) to compare lenders, interest rates, loan terms, and repayment flexibility.
3. 🏦 Understand Your Borrowing Capacity
Knowing how much you can borrow (and comfortably repay) is key.
🔍 Consider:
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Your current income and expenses
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Existing debts
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Deposit or upfront capital
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Credit score
💬 We can help you get a realistic picture with a full pre-assessment.
4. ⚠️ Evaluate the Risks
Every loan carries financial commitments. Consider:
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Can I handle repayments if interest rates rise?
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Do I have a financial buffer?
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Is the asset likely to appreciate or depreciate?
💡 For car or commercial finance, consider how quickly the asset may lose value.
5. 💸 Understand Loan Costs (Beyond the Interest Rate)
There’s more to a loan than just the advertised rate.
Be sure to check:
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Application fees
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Ongoing account fees
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Early repayment or exit fees
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Lender’s Mortgage Insurance (LMI), if applicable
📉 These add up — and we help you compare the true cost of each option.
6. 📄 Check Loan Features That Can Help You Save
Some loan features give you flexibility and interest savings:
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Offset Accounts
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Redraw Facilities
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Extra Repayment Options
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Balloon Payments (for car or equipment finance)
We help you choose features that align with your lifestyle and goals.
7. 👩💼 Work with a Trusted Mortgage & Finance Broker
DIY loan shopping can be overwhelming. Working with a broker gives you:
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Access to multiple lenders (not just your bank)
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Tailored advice for your specific investment
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Support with paperwork, approvals, and structuring the right loan
📞 We guide you every step of the way — whether you’re investing in property, upgrading your car, or expanding your business.
