Explore tailored investment loan options designed to help you build wealth and achieve your financial goals with confidence.
Investment property loans are a great way to build an asset portfolio and generate passive income. With your accountant’s assistance, you may be able to reduce taxable income while developing a long-term retirement strategy for the future.
Deposit: Where will you source the deposit for your investment property purchase? Are you planning to use cash savings or leverage the equity in your current home?
Things to consider:
Are you using savings or home equity for your investment property deposit?
Target areas with high growth potential, good transport links, and safe neighbourhoods.
Focus on areas with high rental yields relative to property value.
Check neighborhoods vacancy rates: high rates may indicate lower demand
Research proposed changes like new developments or zoning that could impact property values.
Understand deductions (e.g. mortgage interest, management fees) and capital gains tax implications.
We will help you to choose the right investment loan structure for your unique circumstance via our loan assessment process.
Fill out our short form below and our home loan specialists will contact you personally.
A property investment loan is a type of mortgage designed for purchasing investment properties. These loans are used to buy properties that will generate rental income or be sold for a profit. They often have different terms and requirements compared to home loans for owner-occupiers.
Interest-only loans can lower your monthly repayments, freeing up cash flow for other investments or expenses. This is extremely beneficial if your investment strategy focuses on capital growth. However, you won’t build equity as quickly compared to a principle or interest loan.
Negative gearing occurs when the costs of owning and maintaining an investment property exceeds the rental income, creating a taxable loss. This loss can be used to offset other income, potentially reducing your overall tax liability. It’s advisable to consult a tax consultant and a tax professional to understand the benefits and risks.
The amount you can borrow depends on factors such as your income, expenses, existing debts, credit score, and the potential rental income from the investment property. A mortgage broker can help assess your borrowing capacity and find a suitable loan option.
Yes, you can get an investment loan with no deposit if you use equity from an existing property. Instead of a cash deposit, lenders allow you to leverage the equity in your home or another investment property as security for the loan.
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