Investor

Finding accurate and up to date information is a huge challenge for property investors.

To help you, we’ve put together a comprehensive list of resources that you can use to educate yourself on investment loans and how to buy an investment property.

Calculators

  • How much can I borrow: We’ve created an accurate online calculator that can take negative gearing into account and exactly matches the methods used by several banks.

  • LMI calculator: Did you know each lender has different LMI premiums? Find out if you are eligible for discounted or waived LMI.

  • Credit score calculator: Are you a high risk borrower? Find out how the banks will view your situation.

  • Postcode location guide: Are you buying a property in a high risk area? Find out how the banks will assess your next investment property.

  • More calculators: Using our mortgage calculators will help you to make an informed investment decision.

Basic mortgage concepts

  • Interest rates: What are the current investment loan rates on offer?

  • What does LVR mean?: Find out how LVR can affect your loan application.

  • What are genuine savings?: What are genuine savings so important to your loan application?

  • What is LMI?: What is LMI, how much is it and who has to pay it?

  • What is credit scoring?: What is your credit score and why does it matter for your mortgage application?

  • Free bank valuations: Did you know some banks allow us to complete a valuation before you even submit your loan?

Advanced loan types

  • No deposit investment loans: How can you borrow 100% to buy an investment property?

  • Improving your borrowing power: How can you get the banks to lend you enough to buy more properties now?

  • High net worth customers: If you have a large property portfolio, learn how you can get better interest rates and services.

  • Borrowing with a trust: How does borrowing money in a trust work? Will this affect your loan application?

  • Borrowing in an SMSF: How does borrowing in a Self-Managed Super Fund work? How will your loan be different?

Documents & templates

  • Accountant’s letter: Use these templates if your bank asks for your accountant to write a letter confirming the particulars of your situation.

  • Employment letter: Some lenders will require a letter from your employer. Use these templates to make sure the letter is accepted.

  • Rental income letter: Your property manager can write a letter to confirm your rental income.

  • Statements and transaction history: What is the difference between a statement and a transaction history?

  • Statutory declaration: Some lenders will require you to confirm certain aspects of your situation with a stat dec.

  • Discharge form: A database of each lender’s security release form. Use these forms if you sell your property or refinance your mortgage.

Property Info

    • Combining credit issues: Why you need to keep your investment strategy simple.

    • How to value a property: How do bank valuers know what your property is worth? When buying a property you can use the exact same method to make more accurate offers.

    • Turning your home into an investment: Have you decided to rent out your current home? What do you need to know before you make the move?

    • How big property investors get into trouble: Did you know that investors with many properties are considered to be high risk borrowers? How can you avoid losing it all?

    • Which property investment strategy should I choose?: Not all strategies are created equal. Which one is right for you?

    • Which properties can’t be financed?: Will the banks stop you from buying your next investment property?

    • Recommended conveyancers: Take the hassle out of your next purchase by using an expert.

Tax for property investors

  • What is capital gains tax?: Will CGT apply to your investment property? If so then how much will it cost you?

  • What is negative gearing?: What are negative gearing benefits and how do they work?

  • Investment property depreciation: How does depreciation work and when will you need a depreciation schedule?

  • Inheriting a property: What are the tax implications of inheriting real estate in Australia?

  • Documents for tax: Which documents do you need to provide to your accountant to lodge your tax return?

  • Jointly-owned property: How does owning a property with another person work?

  • Offset accounts for investments: Why is it a good idea to have an offset account on an investment loan?

  • PAYG withholding variation: Can you get your negative gearing benefits now rather than when you lodge your tax return?

Get the experts on your side!

We believe that informed borrowers will make better decisions when buying an investment property.

If you’re thinking about applying for an investment loan, give us a call on 1300 889 743 or complete our free assessment form to speak with one of our experienced mortgage brokers.

We can give you an idea of your borrowing power and the best way to set up your home loan.