Investment Loans
Investment Loans and Property Investing
We have many clients who are looking for an investment mortgage for their property purchases. We help sort through the pros and cons of the many investment loans currently available on the market.
Property investors typically have different requirements for their investment loans than do owner-occupied property purchasers. There are financial and tax implications to consider as well as longer terms investing goals. We help find an investment mortgage that suits your circumstances.
Speaking with a professional mortgage broker such as ourselves is even more important if your goal is to purchase a portfolio of properties. Features such as the investment home loan rates actually become less important when choosing the optimum lender for your goals. Choosing the wrong lender at the beginning of your investment journey can block you from accessing finance for other properties later on.
Interest Only Loans
An interest only home loan is another option which becomes available when purchasing properties for investment purposes.
The interest payable on an investment property loan is tax deductible whilst any principal paid off is not. For many investors, they seek to maximise the tax deductible portion of their loan whilst minimising the overall repayments.
One method of this is through interest only loans. The downside to an interest only mortgage, however, is that the principal is not reduced over time. Interest only loans are reliant on growth in the property value to obtain a return.
A2Z Finance Solutions
We can help finance your property investing journey. Our experience with a wide variety of lenders in the marketplace can help guide you to a suitable choice for your investment loan.
Enquire with us now to learn more.