Investment home loans are similar in nature to home loans for owner occupied purposes.
Because of this there are a number of home loan options you can choose from, there are investment home loans ranging from 70% of the purchase price and 100% no deposit investment home loans.
Below are some of the most commonly chosen investment home loans and general information for your reference.
Key Benefits of Investment Home Loans
When it comes to taking out an investment home loan there are some key reasons and benefits of doing so. Some of these are highlighted below for you to review:
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The potential for tax benefits of an investment property by way of an investment home loan |
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Utilising the rental return to assist in lowering the investment home loan outgoings |
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If the investment property is newly constructed you may be eligible to claim depreciation on fixtures and fitting for a certain period whilst claiming the interest portion of the investment home loan |
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Creation of a property investment portfolio by using investment home loans to achieve this goal |
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The ability to generate a passive income stream through investment properties by way of investment home loans |
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Leveraging off the equity built in your investment property to purchase another investment by using an investment home loan |
There are a number of investment home loans available and this is where we invite you to have a chat to one of our consultants.
We suggest you also get in touch with a qualified tax professional to find out what benefits you may be entitled to.
95% Investment Home Loans
Investment home loans which have an LVR of 95% are quite popular where the investor who has the cash resources or can leverage off equity in existing property to raise the 5% deposit required along with the associated costs of purchase.
The reason that the 95% product is a common choice is that there are very competitive interest rates and the mortgage insurance premiums are also competitive.
The variety of 95% products is vast so the choice of home loan and specific features and benefits are substantial.
To obtain more information on which 95% product may be the most suitable simply contact one of our consultants who will assist with not only home loan information but associated costs such as stamp duty specific to investment properties.
100% Investment Home Loans
Investment home loans can now offer you the opportunity to purchase an investment property without the need for a deposit.
This type of home loan is an often chosen option by investors as it allows them to lessen their out of pocket expenses which frees up their cash resources for other projects or to simply keep in reserve.
This type of home loan gives you the choice of either a fixed or variable interest rate, home loan lending limits which are in line with standard home loans and a wide range of features which can be added to suit your needs as an investor.
To obtain more information on our range of 100% investment home loans simply contact us and one of our consultants will assist.
What type of Investment Home Loan is right for me?
There are a number of options available to you and the investment home loan which may suit your needs best will depend on your financial position and what timeframe of purchase you have in mind.
As we have access to a number of home loans options the choice you have is not a limited one.
We suggest you have a chat to a qualified tax professional that can guide you on the potential benefits of investing as part of the investment process and then simply contact us and have one of our consultants assist from a home loan and associated costs perspective.
What is my next step in obtaining an Investment Home Loan?
Your next step in obtaining an investment home loan is an easy one, simply contact us and chat to one of our consultants who can guide you through the options available.
AussieWise Finance Group have years of experience in providing investment home loans and can certainly assist you in finding the most appropriate solution for your individual needs and circumstances.
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