Property Investment Loans

Unlock the potential of your financial future with tailored property investment loans designed to maximise returns and build long-term wealth.

Investing in property is a popular and effective way to build wealth, and understanding the key benefits can help you make informed decisions.

Key Benefits of Property Investment

  • Capital Growth: This refers to the increase in the value of your property over time, allowing you to sell for a profit in the future.

  • Rental & Investment Yield: This is the profit you make from rent after deducting expenses such as maintenance, taxes, and management fees. With rent prices in Australia currently high, you can expect significant returns.

  • Tax Benefits: You can claim expenses such as renovations and property maintenance, and offset any potential losses against your taxable income, which could help reduce your tax bill.

What is an Investor Loan?

An investor property loan offers more flexibility than a regular home loan. Key features that may be available include:

  • Interest-Only Repayments: This allows you to pay only the interest for a certain period, reducing your initial repayment amounts.

  • Fixed Interest Rates: Helps you lock in a set rate, offering certainty about your repayments.

  • Extra Repayments: The option to make additional repayments to reduce the principal faster.

  • Redraw Facilities: Enables you to withdraw any extra repayments made if you need access to funds later.

Market Insights to Make Informed Decisions

We can help you understand the local housing market by providing valuable insights into trends, population changes, and projections for a particular area. Historical data such as an area’s property value, rental returns, and fluctuations over the years can help you assess the viability of your investment.

Using Your Existing Equity to Invest—Potentially with No Deposit

Many homeowners believe they can’t afford to invest in property while paying off their own mortgage. However, you may be able to leverage the equity in your current home to invest with little or no deposit required.

What’s Involved in an Equity Review?

At Funds Assist Financial Services, we offer complimentary equity reviews to help you understand your options. An equity review typically covers:

  • Equity Assessment: Evaluating how much equity you have in your current home or investment property.

  • Equity Best Practices: Guidance on when and how to use your equity for investment purposes.

  • Investing with 100% Equity: Exploring how you can potentially invest without needing to contribute a deposit.

  • Using Equity for Renovations: Assessing whether you can use your existing equity to renovate your current home or purchase another investment property.

At FAFS, we are committed to helping you make the most of your property investments. Let us help you navigate the loan process and unlock the potential of your current assets to build your wealth.