Investment Property Overview
The purchase of an investment property can be a good investment for those seeking to increase equity over time and also create a passive income stream.
Whether it is your first property investment or you are growing your investment portfolio, property can be a great way to achieve your investment goals.
There are potential benefits to property investment and we have highlighted some of these for you below:
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Potential negative gearing tax benefits |
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Growth in equity over time |
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Opportunity to utilise equity to fund future investments |
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Potential to have a positively geared property |
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Other potential tax deductions for maintenance, agent fees and other expenses |
Depending on your circumstances an investment property may be a wise long term investment decision and can help you secure your financial future.
To find out more about investment and investment home loans simply contact us to find out more.
What should I look for when choosing an investment property?
When it comes to choosing an investment property it is not only the finance which is of importance.
The home loan is only element of the equation and when it comes to investment properties there are many things you need to consider.
Some of the key points you should consider when are listed below for your reference:
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Is the investment property in sound condition and should you be obtaining a building and pest inspection report? |
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Does the investment property have amenities which are within close proximity such as schools, shopping centres, restaurants and cafes, public transport etc? |
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Are there any planned council works which may positively or negatively impact the value of the investment property? |
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Is the investment property easy to rent out? For example is it a two bedroom versus a one bedroom property? |
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Should you purchase a newly constructed investment property or a previously occupied investment property as there may be some tax advantages for a new investment property regarding fixtures and fittings as a depreciation expense? |
As you can see there is much more to consider than simply which home loan is right for you so it is suggested you do some research on the above points and more before you commit to an investment property.
Alternatively you can contact us and speak to a consultant about your options.
Investment Home Loans Options
There are a variety of investment home loans available to you, each with differing benefits and each with its own unique purpose to suit your needs.
We have listed some of these options for you below:
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No deposit investment home loans |
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Low doc investment home loans |
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95% Investment Home Loans |
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Interest Only or Principal and Interest Investment Home Loans |
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Fixed Interest or Variable Interest Investment Home Loans |
These are but a few of the investment home loan options available to you.
To highlight one of the more popular investment home loans we have set up for our clients let's touch on the 100% no deposit investment home loan.
This product is very popular with investors as it allows the investor fully fund the purchase therefore leaving a much smaller amount which can go towards stamp duty, mortgage insurance and legal fees.
To find out more about your investment home loan options and the 100% Investment Home Loan simply contact us and speak to one of our consultants.
Can I get an investment home loan if I don't already own my own home?
Yes you can is the simple answer to this.
Many investment home loan providers do require that you have equity in another property or in the form of shares or cash but if you have a deposit and the associated costs of purchase you are still able to purchase an investment property.
Why not contact us to find out more about your investment home loan options and have a chat to one of our consultants about the options available to you.
What's my next step in getting an investment home loan?
Your next step is to simply contact us and speak to one of our consultants who can guide you toward the most appropriate investment home loan for your needs.
Remember that we have over 30 lending institutions on our panel and the majority of these offer investment home loans and one of them is sure to suit your needs.
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