Maximising the return on your investment property means paying attention to market opportunities, making smart choices about your investment property loans and using the home equity in your property to further your goals. Professional Partners simplifies the entire process.
Investment Property Loan
Your complete investment strategy is much more than just a low interest rate. Investors that are trading properties will need a completely different investment property loan to those that are looking for long-term appreciation. Professional Partners mortgage brokers Melbourne
looks at all of the characteristics of a loan in the context of what YOU want to do with your property.
Your home equity is much more than just a number on your statement and a record of how long you've owned your home. It is the key which opens the door to new investing possibilities. If you have significant home equity, Professional Partners can help you access it for:
- Renovations to either increase investment profit, or to make your home more comfortable
- Other investment purposes
We can also help you increase your home equity and pay off your mortgage home loan
quicker using our specialist debt reduction scheme. Make an appointment to ask us about it today!
The property journey most of our clients follow are as follows:
HOME PURCHASE -> EQUITY -> INVEST
- Equity and Affordability
Prior to purchasing an investment property it is essential that you have your deposit or equity facilities in place. For most clients who already own a home, your contribution will be funded through equity in your existing property.
Investor clients have access to a comprehensive investment property software tool (PIA software used by Jan Somers) to help assess the financial implication of various investment strategies. The following is an extract of a sample report. We have also developed a loan structure that will have zero cash flow impact for clients purchasing an investment property.
It is also important that a finance plan and strategy is created at this stage in order to ensure that the correct facilities and loan structure has been set up. Contact us to make an appointment with a consultant who will discuss and help formulate a finance plan.
>> Click here to download a sample investor report
- The correct loan structure could save you thousands in taxes
Most people are aware about keeping investment and personal debt separate, however very few take this to the next level. We help structure the loans to ensure 100% of purchase price plus costs are tax deductible.
In addition we have certain strategies available that will result in a zero cash flow cost to clients purchasing an investment property. Our loan structure helps maximise the tax deductions for the running cost of the investment property.
Having the correct loan structure and maximising your tax deductible debt will save thousands of tax dollars.
- Buying smart and well with a valuation report
In order to help home-buyers in the buying process we have subscribed to the popular Residex Valuation Software that is used by most lenders and valuers. The software allows us to complete a valuation for clients on residential properties.
Armed with this information this has helped a number of clients negotiate a positive property purchase.
The Residex report uses 5 methods of obtaining a valuation of the property. These methods are:
- comparable sales,
- Street Rating
- the median value for the suburb
- the land area and
the upgraded sale price.
>> Click here to download a valuation report