The process.
Whether it’s your first time or you’ve done this before, familiarise yourself with the ins and outs of investment borrowing.
Investment loans.
Sliding into your second property? Adding to your self managed fund? Looking at your cash flow or capital growth? Whatever your next step, we’re here to take out the hurdles.
Looking to purchase an investment?
Can I use my home as a deposit?
Is it easy to get a loan to buy an investment?
We have a wealth of knowledge when it comes to purchasing an investment property. Having investment property portfolio’s ourselves, we understand the benefits and pitfalls that can come with choosing to invest your money in property.
The banking world has changed a great deal, in the last few years, when it comes to buying an investment property. It is important to understand all the rules that are now in place before going ahead with a purchase.
It is also particularly important that your investment lending is correctly structured. It can be difficult to change this down the track. If you go directly to a lender, they will often use your home for security for the purchase. We will make sure your lending is structured the best way for you now and moving forward.
Just looking for advice?
We are happy to sit with you face to face and discuss the process and possibilities for an investment property purchase or look at your portfolio to check it is set up for the future.
Already have investment properties?
We can assess your portfolio to make sure you are set up the best way moving forward. We will look at the structure and products of your existing loans and advise if any changes would be of benefit.
Looking to buy?
We will complete and assessment for you to see what your potential to borrow might be. We will help you structure your loan so it works for you now and in the future.
Make an appointment today.
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Say hello
Your next investment starts by taking one minute to answer a few questions right here. After that, we’ll meet to discuss your goals, in person or online.
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The hunt begins
To find the most suited lenders, we’ll discuss your options and borrowing power. An existing property can be used as equity, which means you may not need as much deposit as you first thought.
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Down to business
Found a lender? Great stuff. We’ll do the paperwork to package, sign and lodge your documents.
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The go ahead
Once pre-approved, your borrowing power will be revealed. Now you can make an offer on your next investment.
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The hard yards
You’ve made your move and have just secured a property, all that’s left is the paperwork, which you can leave to us. We will work overtime to ensure your property is accepted by the bank. Grab a sharpie, because a settlement date will then be set in place.
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It doesn’t get bigger than this
It’s settlement time! We’ll coordinate with your solicitor or conveyancer and the lender, in line with the date on the contract. Once the settlement takes place, pop the champagne because you’ve just won the property game.
Investment strategies.
Let's make the complicated, uncomplicated. An investment strategy is just the way you want to invest your money. Still not crystal clear?
Get in touch-
Rentvesting
The freedom of renting meets the stability of owning. ‘Rentvesting’ is a popular strategy for first time investors. Basically, you’re investing while you rent. Stay in the suburb you want, while owning an investment somewhere else.
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Use your home to buy another
If you already have a home, you can use its equity to top up your deposit. Don’t forget, equity is not free money. When you access your equity your loan balance will increase and so will your repayments.
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Positive and negative gearing
What’s the difference between the two, and which is right for your investment property?
Positive gearing is when your total rental income is MORE than the cost of owning and managing the investment property (loan repayments, interest, maintenance, management fees, etc). To put it simply, your property props up finances.
Negative gearing is the opposite. It’s when your total rental income is LESS than the cost of owning and managing the investment property, leaving you to make up the difference in payments.
Positive gearing allows you to have an increased income and generally won’t put you out of pocket. However, you will be taxed on any additional cash from your investment.
With negative gearing you can claim tax deductions on expenses related to owning your investment property. The capital growth on the property will also eventually outweigh the expenses as the property grows in value overtime.
Like the names suggest, there are pros and cons for both situations, so it’s important to get the right advice on which one is better suited to you.
Ask us a question.
We're here to help.