Finance Solutions


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Finance Solutions
Finding the right loan for your investment.

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The Finance Factor.

Finding the right loan for your investment is equally important as finding the right property. Your options will depend on whether you want an investment property for negative gearing, capital growth or retirement income, and there are loans to satisfy both short and long-term investment strategies.

Interest-only Loans

Fixed-rate loans are the most popular with investors as they allow you to accurately budget for your repayments knowing the levels won't increase.

The main benefits are:

	Reduced risk of rate increase - the fact that repayments won't rise offers peace of mind to borrowers.
	Maximum tax benefits - as all of the repayment is tax-deductible.
	Minimum Cashflow drain.

The shortcomings of a fixed-rate loan are:

	In most instances you cannot make extra repayments to reduce your mortgage.
	You can incur penalties for early discharge.
	You are not reducing your loan, so the only way to earn equity is by capital gain.

Equity-Line of Credit Loans

Investors who prefer variable loans may opt for an equity loan. An equity loan offers a revolving line of credit and is usually interest-only, which suits the investment strategy. The downside is that the lender may request regular reviews. Most lenders restrict Loan Variable Rate on equity loans to a maximum of 80 percent.

The benefits of this type of loan include:

	The facility limit does not decrease.
	The loan has no term.
	If borrowing capacity is sufficient, equity loans allow for the flexibility of further investment.
	The flexibility of an equity loan can be ideal when renovating is necessary, as it allows the borrower to draw cheques for payments as necessary without progress inspections of lender approval.

For a look at current Home Loan options
visit the major banks and check their rates:

Want a Bank that adds real value to your business?
Click here to visit us >>

At the National, we have the home loan for you - choose from a standard fixed or variable rate loan, or one of our home loan packages. Click here to visit us >>

St. George offers a wide range of home loans designed with you in mind - whether your primary goal is peace of mind, or flexibility, or creating wealth using the equity in your home. Click here >>

Step-By-Step Guide to Buying a property, Building or Renovating, Refinancing. Apply now for your home loan and pick up your Loan Entitlement Certificate. Click here to visit >>

Whether it's a fixed rate loan you're after or a revolving line of credit you'll find it right here >>


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