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Property is a popular investment strategy
Whether you want to start building wealth or just get your first step on the property ladder, property investment is a great option. However, it’s important to know the costs, risks and benefits before you begin.
Whats in it for you?
Investing in property can lead to capital growth as its value increases over time, provide income through rental, and offer tax advantages such as minimisation and negative gearing.
Real estate can be a way to build wealth over generations. Properties can be passed down to heirs, potentially providing long-term financial security for family members.
Property Investment in 3 easy steps
1. Research
Investigate different properties and locations to find an investment that aligns with your financial goals and risk tolerance
2. Finance & Purchase
Secure your finance and purchase your perfect property. Don’t forget rental property insurance.
3. Manage
Rent out the property for income, and regularly review its performance and market conditions to maximise returns and manage expenses.
Frequently asked questions
An investment loan is a type of loan specifically used to purchase or finance an investment property. Unlike a primary residence loan, an investment loan is used for properties intended to generate rental income or appreciate in value, such as real estate or commercial properties.
Investment loans generally have terms ranging from 15 to 30 years, similar to residential mortgages. Interest rates can be either fixed or variable, and terms may vary depending on the lender, the borrower’s financial profile, and the type of property being financed.
The amount you can borrow depends on various factors, including your income, credit score, existing debt, the value of the property, and the lender’s criteria. Typically, lenders may require a larger deposit for investment properties compared to owner-occupied properties.
Yes, lenders often consider rental income from the investment property when assessing loan serviceability. This can help increase the amount you’re able to borrow. However, it’s important to provide accurate and verifiable rental income information.
