Surviving the Jungle: Getting a New Home Loan for Your Investment Property (Jurassic Park Edition)

When it comes to getting a new home loan for an investment property, it can sometimes feel like stepping foot into Jurassic Park—full of excitement, awe, and a few dinosaurs waiting to chase you down. But don’t worry, with the right preparation, you can navigate the prehistoric landscape of property finance and come out on top.

Step 1: Entering the Park – Pre-Approval

Just like Dr. Grant and Ellie had to buckle up before the gates swung open, your first step is getting pre-approval. This gives you a clear sense of your borrowing power and ensures you’re not wandering into raptor territory unprepared.

Think of pre-approval as your visitor pass—it won’t stop the T-Rex, but it gives you confidence and direction.

Step 2: Spotting the Dinosaurs – Understanding Loan Types

In Jurassic Park, no two dinosaurs were the same. The same goes for investment loans:

    • Principal & Interest Loans: The steady Brachiosaurus—slow, reliable, and stable.
    • Interest-Only Loans: The Velociraptor—fast and flexible, but you need to know when to rein them in.
    • Variable Rate Loans: Like a flock of Gallimimus—you never know which way they’ll dart when the market shifts.
    • Fixed Rate Loans: The Triceratops—solid, predictable, and protective.

Choosing the right loan is about knowing which creature best suits your investment strategy.

Step 3: Avoiding the Raptors – Lender Requirements

Lenders can sometimes feel like clever raptors testing the fences. They’ll check:

    • Your income stability
    • Credit history
    • Existing debts
    • Rental income potential of the property

Make sure your financial fences are reinforced so nothing sneaks through.

Step 4: The T-Rex Test – Serviceability

The T-Rex represents serviceability tests—big, intimidating, and unavoidable. Lenders stress-test your ability to make repayments even if rates rise. If you’ve structured your finances carefully, you’ll be ready to stand your ground.

Step 5: Escaping the Island – Settlement

Finally, the helicopter arrives—settlement day. You’ve survived the jungle of paperwork, lender scrutiny, and property negotiations. Now you can fly off the island (hopefully without a raptor hitching a ride) and enjoy your new investment.

Final Thoughts

Getting a home loan for an investment property doesn’t have to be a survival horror story. With the right strategy and guidance, you can use TTO Brokers who are like Dr. Alan Grant: resourceful, calm under pressure, and always prepared for surprises.

So, grab your hat, watch the fences, and remember—life (and property investing) finds a way.


Published: 30/9/2025
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