Investment Loans
Investment Loans
Buying your first home is one of life’s major milestones – no more landlord, no more property manager, no more rent rises. You get to move in and stay put! It’s a fantastic feeling and a major responsibility.
Investment loans vary depending on what you’re looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you make effective use of tax, gearing and repayments. You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.
The range of investment loans and loan features available to suit both new and experienced investors is now quite extraordinary, ranging from simple home loans to more complex loans that are allow you to manage tax and repayments.
Which investment finance method you choose will depend on a number of factors, including whether or not you are carrying existing personal debt in the form of an owner-occupier mortgage or personal loans and other debt. Generally speaking, it’s better to pay of personal debt first, minimising investment debt as much as possible during this period.
Get an investment finance package tailored to your situation
For an investment finance package tailored to your personal investment position and strategy, talk to an experienced investment Financial adviser. Always seek advice from your accountant on investment and taxation rules for your particular situation prior to making a decision on investment methods.
Residential property investment loans
Borrowing options available to investors are now very similar to loans for owner-occupier purchases and include both variable and fixed rate home loans with the option to make principal and interest or interest only repayments.
Two options that may particularly appeal to property investors are the Line of Credit loan, and the opportunity to make interest only repayments.
Creating wealth through property
Property is considered an excellent method of creating wealth, when used as a long-term investment strategy. Historically, house prices provide a steady return to investors in the form of capital growth as property prices rise. With a range of investment loans available, smart property investment can be an ideal wealth creation vehicle.
Six steps to buying an investment property
Buying an investment property can be an excellent way to create wealth and like any investment doing the research before you take the plunge will help you save thousands. Read these six steps to find out what you need to know to confidently purchase your investment property.
Tax and negative gearing
In the world of property investment you can make money either through capital appreciation or positive income returns. When it comes to property investments and tax there are three main things to consider: tax deductions, capital gains tax and negative gearing.
Golden rules of property investment
Rental returns aren’t the only opportunity to maximise property investments. There are a few golden rules to getting the most out of the borrowing side of your property investments.
Investing in property FAQs
Smart property investment can offer a steady ongoing income and/or the potential for capital growth. Traditionally, property investment is considered a good long-term investment strategy. Read these frequently asked questions about property investment to maximise your opportunity.
Investment property management
Once you purchase your investment property, you have two choices: you can look after it yourself, or find a property management company to do it for you. But how do you decide?