A lot of investors focus on finding the lowest interest rate. That matters, but it's not the whole picture. How your loans are structured, which lenders you use, and how each purchase sits alongside the rest of your finances will determine how far you can actually go with property investment.
Get the structure wrong on your first investment and it can limit your ability to buy the second. Get it right and your portfolio can grow in a way that compounds over time.
I work with investors at every stage, from first investment property through to established portfolios, and I take a long view on how each decision fits into the bigger picture.
Interest only vs principal and interest
For investment properties, interest only repayments are often used to preserve cashflow and maximise tax deductibility of interest. But interest only periods are finite and need to be managed carefully. I'll help you work out the right repayment structure for your situation and review it over time.
Loan structure and ownership
Whether the property is held in your own name, jointly, through a trust, or through a company affects your tax position, your asset protection, and your borrowing capacity for future purchases. This is something to work through with your accountant and financial adviser. I'll make sure the loan structure supports whatever ownership structure you land on.
Using equity
If you already own property, you may be able to use the equity in it to fund the deposit on an investment purchase without needing additional cash savings. I'll work out how much usable equity you have and how to access it without overexposing yourself.
Lender policy and portfolio lending
Not all lenders treat investment borrowers the same way. Some are more conservative with multiple investment properties. Others are more flexible. Knowing which lenders suit your scenario at each stage of portfolio growth is part of what I bring to the table.
Serviceability and borrowing capacity
As your portfolio grows, managing your overall debt serviceability becomes more important. I look at how each new purchase affects your ability to borrow in the future, not just whether this deal gets approved.
