Investing in property

If you are a property investor, our team can help you find a competitive investment loan. 

Looking to invest in property?

If you are a property investor, finding a competitive investment loan is an important part of maximising returns from your investment.

As an investor, you have the option to choose between a variable rate and a fixed rate home loan.

However, Investment loans are different to how standard home loans work because they have stricter eligibility requirements. Investment loans often require a higher loan-to-valuation ratio (LVR), meaning investors need to raise a larger deposit before applying for a loan. They also have a slightly higher interest rate on average than residential home loans do.

At Collective Financial Solutions, we have access to over 50 lenders, including major banks and non-bank lenders.

If you are an investor looking to secure finance for a property, contact our team today to discuss your options.

Stress-free loan process

Here are a few things that can help make your investment loan process stress-free:

Lenders like to see that you are making all your existing payments on time, such as existing loan repayments, phone bills, utility bills, credit card bills, etc.

Be as ready as you can be by filing all your electronic or hard copy bills. Having your documentation all together will speed up your application process.

Do you have existing equity? For many, using existing equity as a deposit for their investment property is a popular option for first time investors.

Tax deductions

Expenses that you make for your investment property can be claimed as tax deductions to reduce your taxable rental income while you’re renting it out, and your capital gains tax if you sell the property.

The tax deductions you can claim for an investment property include:

  • Interest on the investment loan
  • Home and contents insurance and landlord insurance
  • Real estate agent’s commission
  • Maintenance costs
  • Council rates
  • Decline in value of depreciating assets
  • Construction costs (“capital works”)
  • Travel expenses to the property to do an inspection, maintenance or repairs
Speak to a broker

Contact Us

Our team will help you search, choose and settle your loan. Chat to one of our loan specialists at a time that suits you.

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0418 174 003

Email
lisa@collectivefs.com.au

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Copyright © 2020 Collective Financial Solutions ABN 14 312 166 894
Australian Credit Licence Number 384704
ING - Fixed Rate Owner Occupied P&I - Orange Advantage 2-year Fixed rate has an interest rate of 2.09% p.a. (comparison rate 3.37% p.a.). Maximum LVR for Investment is 80%. Maximum LVR for Refinance is 80%. Maximum LVR for Purchase of Owner Occupied is 95% (including capitalised LMI, if applicable).Maximum LVR for IO is 80%. Maximum Loan amount is $2M. Higher amounts may be available on a case by case basis and at ING’s discretion. Annual Fee $299 per annum. Other fees and charges may be payable. The Comparison Rate is based on a loan of $150,000 for 25 years. Fees and charges may be applicable. Loan subject to normal lending criteria and approval.
IMPORTANT: The Comparison Rate applies only to the example given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees, early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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