Investor Home Loans


Investor home loans

Ask your mortgage broker if you can release cash from your home loan to buy an investment property paving the way for an increase in household income through rental income and tax refunds. Capital gain can also be a reality.

Investor home loans

With a growing population comes development and consolidation, making investing in real estate a potentially lucrative venture. The right investment can generate income and provide significant profit when the property value increases. Your strategy should be backed by a financial product that suits your goals and needs, whether you are looking to purchase your first investment property or adding to an established portfolio. In every case, Take advantage of the equity you have in your home to start building a property portfolio which is the safest way to accumulate low risk wealth. Your Mortgage broker will guide you every step of the way. Building a substantial property portfolio for savvy investors Property investors that have a high credit score and demonstrable ability to manage funds can request their broker to explain the benefits of an accelerated asset purchase plan aided by Investor PLUS and Investor FLEX options to $15,000,000.00 in single & total exposure. Make inquiries with your friendly mortgage broker about “off the plan” purchases; positive and negative gearing home loan structuring for optimal tax effectiveness Professional mortgage brokers can secure a loan that accepts Airbnb income too.

Property is an investment that can pay for itself with cash flow from rent, while giving you even larger profits in the longer term. Property investment remains the number-one investment choice for Australians, with plenty of options for a tailored loan structure and loan flexibility. It’s always worth staying up to date incentives and an extensive understanding of government tax concessions and investment loan advantages via your friendly mortgage broker. Your investor home loan should result in housing market profitability, long-term gains, a superior credit rating, and an asset to be proud of. The sacrifices you make in expanding your real estate holdings will make all your hard work worth it.

Conditional approval is a confirmation that, on the basis that all required information provided is factually correct, you will be granted approval subject to various conditions, and once you’ve found your desired property, a successful valuation will be conducted. Pre-approval is the confirmation, now that the property you wish to purchase has been valued and we have all required information from you, provided final checks are completed successfully, you can proceed with making a formal offer with our financial backing. If you want to start seriously looking for an investment property, your offer will be stronger if the loan amount has been conditionally approved. If you have found the property for you and have had it valued, you can be formally approved for the home loan and the property in one go. Your mortgage broker will guide you through the process by determining your borrowing power and providing loan options, while also assisting with all related documentation. The loan application pre-approval process includes a credit check, with considerations that include previous loan defaults or bad credit history. You will also need to document the expected income from your investment property. Your calculations should include operating expenses, taxes and a financial buffer for safety. The process for making an offer depends on whether you are buying from a private seller or buying at an auction. It’s important to be aware of the difference, and you should always consult with your solicitor or conveyancer before submitting an offer.

The process for making an offer is easy & depends on whether you are buying from a private seller or buying at an auction. It’s important to be aware of the difference, and you should always consult with your solicitor or conveyancer before submitting an offer. Simply contact the real estate agent, and tell them what you’re willing to pay. The agent will liaise with the vendor, and get back to you. It is important to note that the real estate agent’s charter & accountability is to the vendor & not you. In a private sale, you have more flexibility to negotiate the terms and leave yourself an exit strategy should complications arise, such as the house inspection revealing unexpected and expensive problems. You will also have more flexibility in obtaining financing. Auction sales typically require a 10% deposit on the day, immediately on successfully bidding. Your decision needs to be decisive as the contracts are usually final and don’t have convenient escape clauses.