Investing in property?

Investment Loans from 3.89%* p.a Variable | 3.94% p.a Comparison

If you are looking at generating wealth via investing in a secure option, then property can take you there. An investment property has the potential to generate consistent rental returns as well as deliver capital growth with time. Starting with just one property while maintaining a stable income have seen many people build a large profitable portfolio with the help of their mortgage broker.

Things to keep in mind while buying investment property:

  • How much can I borrow – Your mortgage broker can help you here.
  • How do I get the right property at the right price – Consulting with a buyer’s agent can save you heaps of time and negotiate price?
  • Are there are any upcoming developments in the suburb where the property is located?
  • How far is the property located from CBD, Train station, schools, shopping centers, hospitals, etc?

Frequently Asked Questions:

  • What is negative gearing?

You are negatively geared if the ongoing cost of the investment property is greater than the income generated from it. The reason why this is not as bad as it sounds is because this short term loss effectively brings down your taxable income while the value of your property is appreciating in the long run.

  • What are the main once off costs with a purchase of the investment property??

Along with your out of pocket deposit, you will have to account for stamp duty, conveyancing costs, lender’s mortgage insurance (if you are borrowing more than 80% of the value of the property), building inspections. Your mortgage broker can help you estimate costs of each of these.

  • What are the ongoing costs of an investment property?

Investment properties usually come with council rates, strata levies, insurance, water, property management fee, repairs & maintenance costs. Our experienced mortgage advisors can give you an estimate of your investment borrowing capacity and break down the process of availing investment loan in a no obligation consultation. Contact us now to book your free investment loan consultation.

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