Investment Properties

Are you a property investor?

Property investors use credit differently than non-investors.

BORROWING POWER

Often investors want to maximise their borrowing power to maximise their exposure to capital gains in the property market.

Knowing which lenders to use and the order to use them in can make a big difference in your borrowing power. This means the lender they choose needs to be carefully selected.

Certain lenders allow greater amounts of rental income or other incomes types for serviceability.

Others have lower assessment rates for serviceability and/or debts at other financial institutions.

LOAN STRUCTURE

Loans for investors often require a different structure than typical owner occupier home loans.

They need to be structured to maximise tax deductible debit while allowing you to pay down non-deductible debt ahead of deductible debt.

For some, an interest-only loan could be the most effective strategy at certain stages of their investment strategy. For others, a principal and interest loan may be better suited.
While a line of credit loan might give some investors the flexibility to move quickly, for others it may become a liability.
Your Money Tree broker will help you define the best strategy for you.
We’ll make the process as simple as possible for you.

Nb. This is not tax or financial advice – please speak to a qualified professional for advice to meet your specific circumstances.

DEPOSIT

Often first time investors assume they’ll need a deposit to buy an investment property, but many banks let you use the equity in your own home to secure the entire cost of purchasing your investment property.
Alternatively, you may have cash but your broker will look at strategies to maximize the tax deductibility for this amount.

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What Clients Say

My partner and I were very anxious about getting our first home loan. Hellen was incredibly supportive right from a free consultation before we even had our deposit together, through to applying for the loan a year later. She was patient and answered our many questions throughout the process. Even today we keep her updated on our progress and ask for advice on paying off our loan quickly. We’d like to thank Hellen for her patience and flexibility!

My experiences with Hellen have been overwhelmingly positive and I can’t recommend her enough. From the time we first spoke on the phone, through our initial meeting and all following interactions, Hellen has been a valued partner for me in buying a new home. Not only has she assisted with accurate and helpful advice with regards to the mortgage itself, she has also always been available, often at short notice, to discuss any questions I had about the process overall.

The difference between Hellen and other brokers I have used comes down to her approach; it doesn’t feel like I’m just another client for her, instead I am someone that is important and deserves her personal attention. She is someone I can rely on for advice, has been always responsive, always professional and always delivered for me when I needed something.

Our new business was showing potential but we needed an injection of cash to take it to the next level. Our bank, however, refused to help us out and the finance brokers that we spoke to said not to bother trying, as we had no chance of getting a loan!

Then Hellen was recommended to us and it literally changed our business!

Hellen was able to share the vision we had of putting a mobile cat grooming van on the road, the only one of its kind in Perth. She left no stone unturned in finding a loan provider that was not only willing to give us the money but also a repayment scheme that suited us. The support she gave us right through the process was exemplary!

Since then the business has not looked back and we are considering expanding again.

When we do Hellen will be the one we call!

I have no hesitation in recommending Hellen’s services to anyone.