Investment lending
The structure matters more than the rate.
One property or a portfolio, set up so the next purchase is still possible.
Most portfolio problems started at loan two.
A single investment loan is fairly simple. The difficulty arrives later, when properties are cross secured, every loan sits with one lender, and the file that made sense at the second purchase is now the reason there cannot be a fourth.
What I care about is keeping your options open. Which lender holds what. Whether securities are tangled together. Whether the repayment type still matches the plan. Whether releasing equity here closes a door over there.
I will also tell you where my job stops. Tax treatment, depreciation and what any of this means for your return are questions for your accountant, and I will happily work alongside them rather than guess.
What that covers
The situations this comes up in.
First investment purchase
Usually funded from equity in your home. How that is structured on day one decides how easy the next one is.
Portfolio restructures
Untangling cross securitisation, spreading lenders, and getting the file back into a shape that can grow.
Company and trust borrowers
Including where the trust is the borrower and the directors are guarantors. Fewer lenders, more paperwork, entirely doable.
Interest only and principal and interest
Both have a place. Which one suits depends on your position and your plan, and it is a conversation rather than a default.
Nothing on this page is tax, financial or investment advice, and I am not licensed to give it. Speak to your accountant or a licensed adviser about the tax and investment side. Lending criteria, fees and charges apply.
Worth a conversation before you go to a bank.
No obligation, no application, and I will tell you honestly if I am not the right person for it. Give me a call or send a note and I will come back to you.
Belrose NSW By appointment Northern Beaches and Eastern Suburbs