Investment Loans & Finance
Looking for a Investment Loan for Property?
The most common purpose for taking out an investment loan is to acquire an investment property for future Wealth Creation.
Best suited for people who have sufficient equity in their current home and looking to create future wealth. This equity can be leveraged into the purchase of an investment property, whether it be for the rental market or the family holiday home.
Investment Home Loans can create a ‘gearing’ effect, whether it be negative gearing or positive gearing. This gearing effect is a common approach for people in minimising their tax.
What is Negative Gearing?
Negative gearing is an investment strategy where you borrow money to purchase an investment property and your interest and running costs exceed the investment income earned.
Negative gearing is a popular investment strategy in Australia, especially among investors with a high taxable income.
The aim of negative gearing is to make a profit from your investment property over the long term, by offsetting any losses you make from your investment against your other income.
This strategy can be achieved by taking out an investment loan to purchase a property and then renting it out. The rental income you receive will cover the running costs of the property, such as interest on the investment loan, council rates and insurance. Any profit you make from the rental income can then be added to your other income. In this way, the net loss you make from your investment can be offset against your other income, reducing your overall tax bill.
However, it's important to remember that you are responsible for making sure your investment loan is repaid, even if your rental property is not generating enough income to cover the costs.
Always remember that investment loans are not without risk, and you should always speak to a financial advisor before making any decisions.
Why Loans For Property Investment?
Investment loans are a great way to get started in property investment. The big plus with investment loans is that they are highly leveraged, which means that with a minimal amount of funds available, you can magnify your potential return!
In addition, the interest charged on investment loans is generally tax deductible, which reduces the holding costs of your investment property. Property investment is also a great way to diversify your investment portfolio and reduce your overall tax burden.
So if you're looking for an asset that can provide passive income and potential tax benefits, investment properties are the answer!
Ready to Start?
The Bullet Finance team are experts in investment loans for property across the Sutherland Shire and greater Sydney.
At Bullet Finance, we understand that purchasing an investment property is a big decision. We have a number of low rate investment loan options to suit your needs, as well as a friendly team of lending specialists who are here to help you settle quickly and make your experience as hassle free as possible.
We're committed to making the process of finding the right investment loan for you as smooth and stress-free as possible, so you can focus on what's important - growing your investment portfolio.
Contact us today to learn more about our investment loan options and how we can help you reach your property investment goals.