Property Investment Loans
Finance your property investments with flexible loan options designed to help you grow your portfolio and maximise returns
Investment loan deals From 6.29% p.a. Comparison Rate* 6.31% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Investment Property Loans
Investing in property has long been a cornerstone of the Australian dream and we are proud to offer a variety of investment property loans to suit all types of investors. Owning your own piece of real estate is a tangible and enduring way to secure your financial future. At Beyond Broking, we understand the allure of property investment and are here to guide you on your journey towards long-term financial stability.
Investing in Property: A Sound Strategy
Property investment offers not only the promise of financial security but also the satisfaction of owning a tangible asset. However, beyond the dream of homeownership lies the need for a well-thought-out plan. This is where we step in to become your personal property investment specialist, leveraging our accounting backgrounds to create a strategic roadmap for your property investment success.
Navigating Complexities with Expertise
The property market can be complex, with factors like negative gearing, stamp duty, and taxes influencing your investment outcomes. Changes in market conditions have made investing in real estate more challenging, but with our guidance, you can develop a strategy that works even in dynamic markets. We may even be able to secure investment property loans at owner-occupied interest rates.
Property Investment Loan Specialists
Your investment finance is key to achieving your property investing goals, with the correct loan types and structures imperative to your results.
Access To Over 50 Lenders
We give our clients greater choice, accessing more deals and therefore able to find the most competitive rates and terms.
Accounting Backgrounds
Our broad experience in the accounting and finance field allow us to holistically support property investors strategically approach their finance.
Property Investor Loans: Our Approach
Leveraging Your Existing Assets
If you currently own a home, you may have a valuable resource at your disposal: equity. Utilising equity built in your current home can provide the funds needed to invest in additional properties. Our team can help you explore this option and determine how best to leverage your existing assets for property investment.
Strategic Portfolio Structuring
Getting your property portfolio set up correctly from the start is crucial for long-term success. Proper structuring can significantly impact your overall investment outcomes. Our experts can assist in creating and fine-tuning your investment strategy, ensuring your portfolio is optimally structured for maximum returns. If you already have an existing portfolio, we can review and suggest strategic restructuring to enhance its performance.
Self Managed Super Fund Loans
Buying property through your self-managed super fund (SMSF) can be a tax-effective way to achieve homeownership and build wealth for retirement. However, SMSF property investment can be complex, requiring specialised knowledge. Contact us for expert guidance and further information on this investment avenue.
Leveraging Our Networks
Our experience in the industry means that we have access to a range of fantastic financial planners, accountants, property advisors and estate agents who we can leverage to help you get the best result.
Book A Complimentary Investor Finance Review
You’ll receieve personalised, expert guidance on your investment finance, allowing your to make informed decisions, optimise your portfolio and work toward achieving your financial goals with confidence. Here’s what you can to expect to gain from your complimentary review:
- Assess existing Investment Property Loans
- Potfolio Evaluation
- Goal Alignment
- Eploring New Investment
- Superannuation Opportunities
By the end of your review, you’ll be armed with personalised recommendations and a roadmap to maximise your investment potential.
Setting Goals for Property Investment
Our expertise goes beyond broking; we also provide comprehensive support in developing and implementing effective property investing strategies that align with your financial goals. We understand that not all investors have the same goals, which is why we emphasise the importance of structuring your finances in alignment with your individually defined objectives to ensure your investment journey is tailored to your unique aspirations.
- Deriving a Passive Income: Investing in property can provide a reliable source of passive income through rental returns, helping you achieve financial freedom over time.
- Capital Growth: Properties tend to appreciate in value over the long term, offering the potential for significant capital growth and wealth accumulation.
- Tax Efficiency: Maximising deductions such as negative gearing can help reduce your tax burden, making property investment an even more attractive option.
- Balanced/Diversified Portfolio: A well-balanced property portfolio ensures diversification of assets, reducing risk and increasing the potential for steady returns.
- Planning for Retirement: Property investment can serve as a robust retirement strategy, offering income and asset value to support your retirement lifestyle.
Our Approach: First Home Buyer Loans
FAQs
Frequently Asked Questions
We’ll need a few items from you to start the process which may include but are not limited to:rnrnProof of income (pay slips and bank statements)rnA deposit backed by a proven savings historyrnA good credit history (we can still help if you don’t)
Commercial lending is typically more restrictive to residential lending and that is reflected in a higher deposit requirement. At least 20% plus purchase costs will be required for purchase but in some cases utilising residential property as security for the purchase can reduce this.
The assessment of this is generally different to a residential loan. In order for us to be able to calculate this we would need to assess your full financial situation.
As well as the normal fees associated with the purchase of property like stamp duty and conveyancing you will need to plan for more expensive lender related costs including valuations, application and settlement fees. It is also worth noting that given the inherent risk in commercial property ownership you should expect to pay a higher rate of interest and a reduced loan term relative to residential property.
Variable interest rates move up and down and normally relate to changes in official interest rates set by the Reserve Bank of Australia (RBA). A variable rate loan is beneficial when rates are on the decline.rnrnFixed interest rates don’t move. You can set (fix!) your rate for a particular period of time, normally between one and five years, and is most beneficial when interest rates are on the rise.
You should expect 15 to 20 years in repayment terms. This can be increased in some cases when utilising residential security to facilitate the purchase.