At Own Home Loans, we believe that every Australian should have the opportunity to become a property investor. Our team of experts are dedicated to providing you with tailored solutions and personalised advice to help you navigate the world of property investment.
Contact Own Home Loans today, and let us show you how to turn your dreams of property investment into a reality. Together, we’ll pave the way to a brighter and more prosperous future.
Our specialised knowledge allows us to find the property investment loan that suits your investment goals. We understand that paying off your mortgage efficiently is crucial to maximising your returns as a property investor. With our expertise, we’ll help you explore various loan options, compare interest rates, and structure your loan in a way that aligns with your long-term investment strategy.
Identifying the right investment property is essential for long-term success. We have access to real estate professionals who will conduct thorough research and analysis to pinpoint areas and properties with high growth potential. They will consider factors such as location, rental yield, and projected capital appreciation to guide you towards making informed investment decisions. These are trusted associates of Own Home Loans who we trust not only with our clients but with our own portfolios.
Our holistic approach to property investment goes beyond just finding the right loan or property. We understand that financial planning is vital for achieving your investment goals. Our financial planning team will work closely with you to create a customised investment plan, taking into account your unique circumstances and future aspirations. We’ll help you set realistic targets, establish a budget, and manage risks, ensuring that you stay on track to pay off your mortgage and achieve financial freedom.
Property investment can be a rewarding but complex journey. At Own Home Loans, we are committed to providing ongoing support throughout your investment journey. Whether you need advice on refinancing, optimising your investment portfolio, or exploring new opportunities, our team will be there to guide you every step of the way.
Negative gearing is a tax strategy where the expenses of owning an investment property (such as interest payments, property management fees, and maintenance costs) exceed the rental income. This loss can be offset against other taxable income, reducing the investor’s overall tax liability. This strategy is definitely not always the best one to go for, it really depends on your personal situation, however we find a lot of our clients prefer positively geared properties so that they are making more money than they are spending! It’s important to seek advice from a qualified tax professional to understand how negative gearing applies to your specific circumstances.
Yes, you can leverage the equity in your existing property to finance an investment property. Equity refers to the difference between the property’s market value and the outstanding mortgage balance. By accessing this equity through methods like refinancing or a line of credit, you can use it as a deposit or to cover other costs associated with purchasing an investment property.
While the specific documentation requirements may vary among lenders, common documents usually include proof of identity (e.g., passport or driver’s licence), proof of income (e.g., payslips, tax returns), bank statements, details of assets and liabilities, and evidence of savings or deposit. Own Home Loans can guide you through the documentation process and help ensure you have everything required for a successful application.
Our service is free but can potentially save you a ton! We get paid by the lenders. Even if you don’t go through with a mortgage through Own Home Loans, the consultations are always free of charge.
