Investment Property Loans

There are a range of investment property loans and loan features available ranging from simple home loans to more complex loans that allow you to structure your repayments. Go to the residential investment loans page for more information on lines of credit loans and the various interest rate options available.

There are many types of investment properties and many more investment property loan options on offer, as well as gearing options to suit different investment strategies. A loan Market mortgage broker will help you do the sums to determine the best investment loan for your investment strategy.

Investment Property Loans

Investing in property is one of the most popular ways to create wealth and it’s important to plan ahead to ensure you make the most of your assets.

Always seek advice from your accountant on investment and taxation rules for your particular situation. Talking to your accountant will give you the appropriate analysis of your specific financial, investment and taxation situation. This is particularly important when you are considering investment relating to your superannuation.

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Property Investment Using Your Equity

You may be able to start your investment portfolio sooner by using equity in an existing property. There are a number of methods for using the equity in existing properties to help finance your investment property purchase.

First-time investors often use the equity in a principal place of residence (PPR) as additional security for their investment property purchase. This decreases the size of the deposit required.

The use of two or more properties to secure a single loan (in this case the PPR and the investment property) is called cross-collateralisation.

The advantages of cross-collateralisation include:

  • Increased borrowing power
  • Higher Loan to Value Ratio
  • Less paperwork
  • Reducedfees & charges

Things to consider before using cross-collateralisation to secure your investment purchase include: if something goes wrong, your lender may have the right to sell whichever property they want to recoup their costs, or even all of the properties securing the loan. It can become quite complicated to sort out your finances should you wish to sell one of the properties securing the loan.