Property investment financing is complex, with numerous loan types and strategies available. Understanding your options helps optimize borrowing costs and structure loans for maximum portfolio growth.
Loan Types for Investors
Compare different loan structures:
- Principal & Interest: Traditional loans with steady principal reduction
- Interest-Only: Lower repayments, higher cash flow for reinvestment
- Line of Credit: Flexible access to equity for future purchases
- Fixed Rate: Certainty of repayments for budgeting
- Variable Rate: Potential for rate reductions and additional features
Investment Loan Features
- • Offset accounts for tax efficiency
- • Redraw facilities for accessing equity
- • Interest-only periods up to 5 years
- • Professional package discounts
Work with experienced mortgage brokers who understand investment strategies. Regular loan reviews ensure you maintain competitive rates and optimal structures as your portfolio grows.