Investment loans

Whether you’re a first time property investor or you are looking to add to your property portfolio, expert advice can often be very valuable in saving you time and money. Building your wealth is much easier if you have the right loan and advice in place! I work for you and not the lenders.

Choosing the wrong loan can seriously affect your return on investment.

I'll be able to guide you through the process so you can identify which product and lender suits your requirements. This will ensure you get the most out of your investment. Having the ability to negotiate rates and investment home loan benefits with lenders ensures that my clients continue to grow their property portfolio through strategic investment financing.

Whether you’re investing through a company, trust, self-managed super fund or personally, I'll take the time to get to know you and find out your short and long-term goals. I'll then present loan options to match your needs and demands. There are many loan features available for investments, including offset, redraw, salary deposit, additional repayments and interest only – all of which I'll explain in detail.

Why invest in property?

  • Rental return: Income earned by letting out the property to tenants. Please be aware that you will need to deduct any maintenance and running costs – like agent fees and repairs – to appreciate the true return.
  • Capital Gain Growth: profit earned if you sell your property for more than the purchase price.
  • Increased security: additional asset to add to your portfolio.
  • Tax benefits: Please discuss these with your accountant or financial planner.
  • Retirement fund: Additional income to supplement your retirement. Please discuss this with your accountant or financial planner.
  • Increased income: If the property becomes positively geared (please be aware that you will be liable to pay tax on any income earned – again, I advise that you speak with your accountant).
  • Diversify Investments: Investing in property gives you an additional asset to add to your investment portfolio.

Ideas to consider when looking for an investment property:

  • Rent: This will vary from suburb to suburb, so it is advised you research the average rental returns in the area you are looking to purchase in.
  • Listing and vacancies: review with local real estate agents and property managers to gain a clear understanding of the area.
  • Suburb: The suburb/neighbourhood will determine what type of tenants you are likely to get.
  • Day care, schools, universities: Being close to these educational centres can increase the value of the property and rental occupancy.
  • Employment: growing employment opportunities tend to attract people looking to rent.
  • Amenities: Public transport, supermarkets, shops, movie theatres, parks, beaches, gyms etc.
  • Future developments and building permits: Speak with local council members to gain a better understanding of the area.
  • Crime: Ask police, use the internet or visit the local library.
  • Natural disasters: Insurance in an area that is prone to flooding or other natural disasters will mean your insurance costs may be much higher.

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