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Investment6 min read
Investment Loans: Key Considerations Before Buying
Before buying an investment property, it is useful to understand how the finance structure may affect cash flow, flexibility and future borrowing capacity.
Consider the loan purpose and structure
Investment loans may be structured differently from owner-occupier loans. The right structure depends on your objectives and should be assessed carefully.
Understand income and expense assumptions
Lenders may consider rental income, existing property costs and other financial commitments when assessing an application.
Plan for future borrowing
The way one loan is structured may affect later finance options. A longer-term view can help avoid unnecessary complexity.
Coordinate with professional advice
Investment decisions may also involve tax, legal and financial planning considerations. A mortgage broker's role is focused on lending options and process.
General information only. This guide is provided for general information and does not take into account your objectives, financial situation or needs. Lending is subject to eligibility, lender criteria and approval. Speak with a broker for guidance based on your circumstances.