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Investment property loans
Buying an investment property, or building a portfolio of investment properties, is a savvy vehicle for generating wealth through capital growth and rental income.
An investment property loan is a type of loan secured to buy an investment property, instead of the home you live in. Investment property loans differ from typical home loans in regard to interest rates and loan terms. Only those who are purchasing a property for investment will be eligible for these loans.
How do investment property loans work?
An investment property loan can have a shorter loan term than a home loan and may attract a higher interest rate. You may be able to leverage equity from other properties you own to go towards the deposit for an investment property loan. The interest paid on an investment property loan is tax deductible.
What should you consider when taking out an investment property loan?
For a property investment to be worthwhile, it must secure a sound return on your investment. The costs of holding the investment property, including your loan repayment and running costs, will have a big impact on this.
In many cases, keeping repayment and interest costs as low as possible so the investment property costs you less to hold will be advantageous. However, it’s important to factor in tax incentives like negative gearing and depreciation. Ultimately the loan structure you select will have a big bearing on your costs and tax burden over time, which will impact the return on investment of your property. This is why its so important to work with a mortgage broker with experience in investment property loans, so they can establish the right loan structure for your investment strategy.
Why work with FABE Financial to secure your investment property loan?
At FABE Financial, we have extensive experience and a heritage in property investment. That means we bring a unique perspective to the process of securing an investment property loan. We understand how important this process is to ensuring your property investment is a profitable one.
We take the stress out of the process of sourcing an investment property loan for time-poor property investors, while ensuring your loan structure meets the needs of your investment strategy.
Investment property loans
Buying an investment property, or building a portfolio of investment properties, is a savvy vehicle for generating wealth through capital growth and rental income.
An investment property loan is a type of loan secured to buy an investment property, instead of the home you live in. Investment property loans differ from typical home loans in regard to interest rates and loan terms. Only those who are purchasing a property for investment will be eligible for these loans.
How do investment property loans work?
An investment property loan can have a shorter loan term than a home loan and may attract a higher interest rate. You may be able to leverage equity from other properties you own to go towards the deposit for an investment property loan. The interest paid on an investment property loan is tax deductible.
What should you consider when taking out an investment property loan?
For a property investment to be worthwhile, it must secure a sound return on your investment. The costs of holding the investment property, including your loan repayment and running costs, will have a big impact on this.
In many cases, keeping repayment and interest costs as low as possible so the investment property costs you less to hold will be advantageous. However, it’s important to factor in tax incentives like negative gearing and depreciation. Ultimately the loan structure you select will have a big bearing on your costs and tax burden over time, which will impact the return on investment of your property. This is why its so important to work with a mortgage broker with experience in investment property loans, so they can establish the right loan structure for your investment strategy.
Why work with FABE Financial to secure your investment property loan?
At FABE Financial, we have extensive experience and a heritage in property investment. That means we bring a unique perspective to the process of securing an investment property loan. We understand how important this process is to ensuring your property investment is a profitable one.
We take the stress out of the process of sourcing an investment property loan for time-poor property investors, while ensuring your loan structure meets the needs of your investment strategy.