PROPERTY INVESTORS

GROW YOUR WEALTH FASTER

Borrow up to 95% from the banks

Achieve compound growth

Expand your portfolio

Purchasing the right investment property is a proven strategy to build wealth, and one of the biggest advantages is that you can leverage the banks money and achieve compound growth on the full value of the asset. Property investing is a long term game but when done correctly it is extremely rewarding financially.

PURCHASING YOUR FIRST INVESTMENT PROPERTY

5% deposit for most lenders

Don't forget about additional purchase costs

When purchasing an investment property, you will need a minimum of a 5% deposit in most cases. The deposit amount can vary between banks, so your broker can help with finding which bank is the best fit for you. There are other purchasing costs involved with a property, lenders charge ‘lenders mortgage insurance’ when you have less than a 20% deposit. There is also stamp duty, and legal fees.

EXPAND YOUR INVESTMENT PORTFOLIO

Going from 1 to 2 investment properties

Use your existing equity

If you have any existing properties with equity in them, you can use this equity (up to 80% of the properties value) to purchase additional properties. To do this we refinance your existing loan, and get cash out which will be the deposit for your next loan. It's important to use a broker that can get you the best deal for both the refinance and the new purchase.

BEST LOAN STRUCTURES FOR LONG TERM GROWTH

Loans structured for the future

Plan in advance!

In our experience in dealing with client's finance, we have found that most banks and brokers have a poor understanding of how to effectively structure investment property loans in order to achieve the most effective outcome for the borrower. We will advise you on the best structure and how it will enable you to grow your portfolio.

PROPERTY VS STOCK MARKET

Borrow up to 95% for the property

Leverage the banks money

While investing in both the share market or property are both proven strategies, it's important to be aware of the key differences. The banks will lend you an additional 95% for a property, while they will only lend you 50% for shares. The important thing to note here is that if you purchased a property for $400,000 ($20,000 deposit) and it grows by 5%, you are achieving that growth on the entire property, not just your deposit. $400,000 + 5% = $420,000. If you took out a loan for shares of $40,000 ($20,000 deposit) and it grew by 5%, you would have $42,000. This is an $18,000 difference for the same deposit.

WE HAVE EXPERIENCE WITH COMPLEX LOAN STRUCTURES

Multiple properties with different lenders

Company / Trust loans

Cross collateralization vs stand alone 

If you have a complex loan structure such as multiple properties with different lenders, multiple parties on the titles and properties in company or trusts then it is important to get a mortgage broker who can structure your loans to achieve your goals and provide you flexibility for the long term.

Contact

​1300 108 119

support@equitifinancial.com.au

Our Locations

Kiama, NSW, 2533

Wentworth Falls, NSW 2782

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