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Pay only the interest on your loan for a set period, typically 1 to 5 years. Lower repayments maximise your cash flow and can improve your tax position through higher deductible interest.
Build equity in your investment property from day one. Higher repayments mean you pay less interest over the life of the loan and own the property outright sooner.
Whether to cross-collateralise or keep loans standalone affects your flexibility and risk. We structure your portfolio to maximise borrowing power while maintaining control.
Use the equity in your existing home or investment property to fund your next purchase. Avoid saving a separate deposit by leveraging the growth in your current portfolio.
Investment loan rates are typically 0.2% to 0.5% higher than owner-occupier rates. Lenders consider investment properties higher risk because borrowers are more likely to default on an investment loan than their family home during financial stress. However, the interest on investment loans is generally tax-deductible, which can offset the rate premium for many investors.
Most lenders cap investment lending at 80% loan-to-value ratio (LVR). Some lenders will go to 90% LVR with Lenders Mortgage Insurance (LMI), but this adds a significant upfront cost. Keeping your LVR at or below 80% avoids LMI and typically qualifies you for better interest rates.
Lenders typically use 80% of the expected or actual rental income when calculating your borrowing capacity. The 20% haircut accounts for vacancy periods, property management fees and maintenance. You will need a rental appraisal from a licensed property manager or evidence of an existing lease agreement.
Negative gearing occurs when the total costs of holding an investment property exceed the rental income it generates. The resulting loss can be offset against your other taxable income, reducing your overall tax bill. It is one of the most widely used investment strategies in Australia and is particularly beneficial for higher-income earners.
The interest paid on an investment loan is generally tax-deductible as a cost of earning rental income. This applies to both variable and fixed rate loans. It is important to keep your owner-occupier and investment loans separate so that interest deductions are clearly attributable. Always consult a qualified tax adviser for guidance specific to your situation.
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