Investment loans

Looking for your next investment property? Whether you’re growing your property portfolio, buying your first investment property, investing through a self-managed super fund (SMSF), or weighing up cash flow versus capital growth, the right finance can make a big difference.

We’ll help you understand your borrowing options, find the right investment loan and develop a lending strategy that supports your property goals. From assessing your position to securing finance, we’ll make the process simpler.

Investment Strategies

Let’s make the complicated, uncomplicated. An investment strategy is just the way you want to invest your money.

'Rentvesting'

The freedom of renting meets the stability of owning. ‘Rentvesting’ is a popular strategy for first time investors. Basically, you’re investing while you rent. Stay in the suburb you want, while owning an investment somewhere else.

Use your home to buy another

If you already have a home, you can use its equity to top up your deposit. Don’t forget, equity is not free money. When you access your equity your loan balance will increase and so will your repayments.

Positive and negative gearing

What’s the difference between the two, and which is right for your investment property?

Positive gearing is when your total rental income is MORE than the cost of owning and managing the investment property (loan repayments, interest, maintenance, management fees, etc). To put it simply, your property props up finances.

Positive gearing allows you to have an increased income and generally won’t put you out of pocket. However, you will be taxed on any additional cash from your investment.

Negative gearing is the opposite. It’s when your total rental income is LESS than the cost of owning and managing the investment property, leaving you to make up the difference in payments.

With negative gearing you can claim tax deductions on expenses related to owning your investment property. The capital growth on the property will also eventually outweigh the expenses as the property grows in value overtime.

Like the names suggest, there are pros and cons for both situations, so it’s important to get the right advice on which one is better suited to you.

The process is easy!

1. Start your application

Once your application is underway, I’ll be in touch to guide you through every step, using a secure online portal that makes gathering documents simple.

2. Get advice tailored to you

After reviewing your situation, I’ll put together a shortlist of options built around your goals and circumstances.

3. Choose your loan

I’ll talk you through the options and help you settle on the right product, then handle the legwork with the lender to get your application through to approval.

4. Receive your funds

I’ll stay in touch as settlement day approaches, making sure everything’s in place for your exciting next move.