BUILDING WEALTH
Put our experience to work…
A brighter future through property
Perhaps you already own your home and you’re thinking of buying a second or third property as an investment. Maybe you’re completely new to the property market and wanting to start as an investor. Wherever you are up to on your investment journey, we can help guide you towards generating income and building wealth.
Key areas to think about
If you’re getting started, these pointers might help
Where
to start
Finding the location is as important in how you’ll finance it. Investment is about growth, so where should you look? What research do you need to do on growth suburbs? Think high growth, higher rental yield, and low vacancy rates – because smart investment is about the numbers, not the emotion. You’re not buying your home, so buy where you stand to gain the most.
Considered
rentvesting?
If you can’t buy your dream home yet, keep renting. Then, purchase a rental property in a more affordable area. This strategy is called ‘rentvesting’, and it’s a way to enter the market as an investor and start building your wealth. As you do so, you get closer to being able to buy your dream home in a location that you desire. This is a particularly common strategy for those living in capital cities.
MAXIMISE
EQUITY
The most common way to buy an investment property without a deposit is to use your existing home equity – the difference between the current market value of your property and the amount you owe on your mortgage. You can increase equity by making regular repayments, appreciating market value, and strategic home improvements.
How we can help
With experience in real estate as well as finance, we can offer unique and valuable assistance when it comes to property investment
ONGOING OPTIMISATION
You need to keep tabs on how your investment is tracking, whether the property is positively or negatively geared, and whether your investment strategy is still aligning to your goals. That’s why we continue to work long past settlement to ensure the loan product/products work with you.
With your loan sorted, you can focus your time and funds on managing your investment property. Just be clear that you’ll need to be in a position where you can afford the ongoing expenses (property management fees, council rates, and insurance), as well as any unexpected costs that may come up (repairs and maintenance). Looking for guidance on typical costs? Let’s have a chat.
MAXIMISING LOAN STRUCTURES
It’s not only rates that matter with loan products – the right structure can make a significant difference find the best option for your whole portfolio (whether this is a portfolio of 2 properties or 20 properties).
FORWARD-THINKING
Whether you want to acquire one investment property or multiple, we work with you to understand your current and future goals to determine the best strategy for your loan products.
We're here to help
And we're ready to talk as soon as you are.
Calculator
Honestly, we're mixed on loan calculators. Why? Because they're a great way to get a quick idea about loan affordability – but at the same time, there are a range of other costs associated with loans, and calculators don't take these into account.
So, feel free to have a play with the below. But for a true understanding of the best loan for you, let's have a chat.
WE’LL HELP YOU REALISE WHAT’S POSSIBLE.
