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Best investment loan structure for those investors who also have personal debt

Vicky Edema — Tue, 11 Nov 2008 00:00:00 +0100

Most investors in Australia have a home loan. Most investors use the equity in their home property to help them on the road to wealth with their first investment property or share acquisition. In the past most investment loans were standard long term facilities with an initial interest only period of say 5 -10 years after which they converted to principal and interest. Most properties are negatively geared with investors using their personal income to subsidise the shortfall between interest on [...]

The best investment loan will always include an interest only period as well as a capitalising line

Vicky Edema — Tue, 11 Nov 2008 00:00:00 +0100

As a general rule most property investors have already purchased a home over which they still have a home loan. This loan is on a principal and interest basis and most cif not all financial planners will advise you to pay of your home loan as quickly as possible because the interest you pay on it is not deductible. Quite often, property investors in the market for the first time, when looking for an investment loan simply go for an investment loan product that is much the same as their home loan [...]

A good time to be a first home buyer

Vicky Edema — Tue, 11 Nov 2008 00:00:00 +0100

If you are a first home buyer, who would have thought that some poor judgement or unscrupulous lending or both in the almighty USA would lead to a windfall for you as you plan your first home purchase here in Australia. As a potential first home buyer you stand to benefit significantly from the Federal Government’s recent changes to the First Home Owners Grant. As a result of these changes a first home buyer who purchases a new home will receive an additional “boost” of $14,000 [...]

A good time to consider debt consolidation

Vicky Edema — Tue, 11 Nov 2008 00:00:00 +0100

I was sitting watching the TV this week when a ad came on promoting a leading bank’s new credit card offering. It looked very attractive in that it offered a rate of less than 3% p.a. on your existing credit card balance when transferred through debt consolidation. With the global credit crisis upon us, credit card interest has increased significantly with many credit cards now charging 19% + for retail purchases and cash advances. That is very expensive money when compared with the rate o [...]

This investment loan covers all the bases and is looking better as interest rates drop in Australia

Vicky Edema — Tue, 11 Nov 2008 00:00:00 +0100

This investment loan covers all the bases and is looking better as interest rates drop in Australia For the first time in a long time we have seen the RBA drop interest rates and the investor who has been subsidising the shortfall of interest on his or her investment loan and has been seeing negative returns on residential property for a long time is feeling happier.

Unlike the share market which has been decimated through the recent credit crisis, the direct property investor has se [...]

Debt consolidation � a good or bad move?

Vicky Edema — Thu, 30 Oct 2008 00:00:00 +0100

Many investors when they are considering the purchase of an investment property fail to ensure that the structure of any investment loan that they enter is correct, particularly for tax purposes. Borrowers simply approach their existing lender and ask for an investment loan. The lender invariably looks to their home loan and taken there is sufficient equity might suggest that the borrower increase that loan by the purchase price as opposed to restructuring it to separate the investment loan from [...]

Do not under estimate the importance of structure when negotiating your investment loan

Vicky Edema — Thu, 30 Oct 2008 00:00:00 +0100

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