Buying An Investment Property

Whether you’re buying an investment property as a way into the market, or expanding your existing portfolio, we can help you achieve your financial goals.

Fast track my home deposit

If you just can’t wait to save the deposit, you may be able to borrow your deposit amount using Your Future Strategy’s Deposit Loan. This will be set up separately to your home loan. Usually it is over the same loan term as your home loan so it doesn’t affect your serviceability calculations with your key lender. Most borrowers will pay the Deposit Loan off as a priority, using a top up or refinance of their home loan.

Develop a property investment strategy

We will tailor an investment strategy to suit your own personal goals and risk profile. Buying an investment property is all about how the numbers look and not about how it makes you feel. We’ll show you how to do your due diligence on the potential rental yield and capital growth of a property, and how to find areas that shows positive signs for future growth and yield, such as new infrastructure, or changes in town planning.

Our tax advisers can advise on the most tax effective way to structure your property investment. You’ll be surprised how much of a difference this will make.

As part of the strategy, we balance the rental yield for debt servicing with growth. This allows you to use the equity growth of your initial investments to fund deposits on future investments.

Find the right property loan

We’ll start by looking at your savings or equity to work out whether you have enough money for a deposit on a home in the price range you’re considering.

Our lending specialists will arrange a pre-approval so that you’re ready to commit when the right property becomes available. We may also recommend using an offset account to reduce the interest you pay on your loan. This may save you years of loan payments, which equates to thousands of dollars.

We’ll also take your future plans into account when structuring your loan. If you have hopes of building a property portfolio, we will assist ensuring your loans are not cross-securitising to allow for future borrowing.