Interest Management Loans

Interest Management Loans

Cash Flow Management Loans

Cash Flow or Capitaliser structured lines of credit are based on charging interest through equity to make residential property cash flow positive. The kinds of security (or assets) that can be used for these kinds of loans are residential or mixed residential and commercial security at high Loan to Value Ratios. You can utilize loan features redraw, portability, split accounts, interest retention for loan sizes from $250,000 to $5,000,000 per security.

Home Loans - Fixed Rate - Interest Only - Annually in Advance

The term of these fixed rate loans is also usually 1 to 5 years and interest is paid on drawdown and then annually, on the anniversary of the loan. It most cases, the facility must be secured by residential property, but some lenders allow a certain percentage of the security to be ASX listed shares or even commercial property.

Home Loans - Fixed Rate - Interest Only - Monthly in Arrears

The term of these fixed rate loans is usually 1 to 5 years and interest only repayments are made monthly from a designated operating account. It most cases, the facility must be secured by residential property, but some lenders allow a certain percentage of the security to be ASX listed shares or even commercial property.

Home Loans - Variable Rate - Interest Only

Interest only variable rate loans only require the interest to be paid each month (usually on the last business day of the month). After an initial interest only period (usually 5 years), the loan converts to a normal principal and interest loan for the remaining term. Extra repayments and redraw are usually not a feature of this type of loan. Variable rate interest only loans must be secured by residential property.

More Information on interest rate management on your Investment borrowings?

If you would like more information on interest rate management or borrowing for either residential or commercial investment, call us on 13 XINC. If you are calling from overseas, call us on +61 2 90188417 or simply click here to confidentially talk to a finance broker about your options.