Investment Home Loan

We’ll guide you on your investment loan. See what your options are and make your own decision.

Josiah Garrett 

Starting his career on the  Fraser Coast, QLD. Josiah was introduced to employment through marketing and sales, which laid a foundation of excellent communication, client first approach, and a drive to be the best at what he does. Fast forward through many marketing management roles, Josiah undertook formal education to further himself and initiate a career in mortgage broking and lending.

After moving to the Gold Coast to complete his formal qualification, Josiah approached the directors of a well established financial planning practice with the vision of providing an existing client base an extended range of services, to assist them to better achieve their financial goals and objectives. Josiah’s passion to help clients reach their dreams drives him every day to establish positive relationships with both clients and financial institutions alike.

Away from the office Josiah enjoys indulging in the amazing beaches the Gold Coast has to offer, sampling the wide range of culinary choices, and getting down to CBUS Stadium to support the Gold Coast Titans.

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15+ Partnered Lenders

Preperation Is Key

It pays to get qualified advice when considering an investment loan. Speak to our friendly team to get all your pressing questions answered.

Common Questions

Why OakView Lending?

OakView Lending have branched off from our expert financial planning firm OakView Financial. Our experience within the financial advice sector provides us with a holistic understanding of unique needs each client has. OakView Lending is here to save you time on your next loan.

How much should I save for a deposit?

It depends – if you’re a first home buyer, you may qualify for certain government grants or schemes. This may allow you to borrow with as little as 5% of the loan. This is circumstantial and may not always be the case.

In general, you want around 20%, which allows you to avoid lenders’ mortgage insurance. The more you can put down initially, the more affordable your loan will be due to decreased interest costs. However, depending on your financial situation, goals, and the structure of the loan, it may not be the best idea to put all of your liquidity straight into the loan.

Can I pay my loan back quicker than the agreed term?

Depending on whether you have fixed the interest rate or left it variable. If the whole loan is fixed, you won’t be able to pay anything above the agreed amount. However, if your loan or a portion of the loan is variable, you can pay back as much as you like on the variable portion. For this reason, we often suggest locking a portion of the rate in fixed and a portion in a variable rate if you think you might be able to pay back more than required.

Whats the difference between a 'principle and interest' loan and an 'interest only' loan?

'Principle and interest' loans are calculated over a fixed term such as 20 years or 30 years. The calculated amount pays off the interest of the loan while paying down the loan itself. Effectively the loan repayments decrease when the principal is paid down, all things being equal.

'Interest only' loans have slightly different lending criteria. You are only paying the interest without paying any of the principle of the loan. It depends on your situation and goals as to which type of loan will suit you.

What is a mortgage broker?

A mortgage broker is your own personal consultant who acts as a negotiator between you and the banks. 

At OakView Lending, we take the time to understand your situation. We then identify lenders that suit you. Ultimately brokering you a mortgage. 

What kind of loans do you offer?

OakView Lending is able to provide the following types of loans:

  • Refinancing loans
  • First home buyer loans
  • Investment property loans (interest only)
  • Car loans
  • Personal loans
  • Business loans

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M-F: 9am – 5pm


Level 4, 12-14 Marine Parade, Southport QLD 4215



First Home Buyer Loan
Investment Loan
Car Loan
Business Loan


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