Residential Investment Loans

There are now many excellent borrowing options available to investors and you will find a good outline of them and how they work here. Always seek advice from your accountant on investment and taxation rules for your particular situation. While you may read or hear different information, talking to your accountant and or financial planner will give you the appropriate analysis of your specific financial, investment and taxation situation. This is particularly important when you are considering investment relating to your superannuation.

Home Loans - Variable Rate - Principal & Interest

Most variable rate home loans are also available for investment purposes. Minimum repayments need to be met each month and are set for an agreed term which is now usually 30 years. Extra repayments can be made and then redrawn at a later stage. Variable rate home loans must be secured by residential 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.

Line Of Credit

Line of credit loans are a variable rate product with a predetermined limit. With most lenders, as long as you remain within the designated limit, there are no set repayments. It is usually recommended that you pay the interest amount each month as a minimum. A line of credit must be secured by residential property.

More Information on residential investment loans

If you would like to talk confidentially about your options, email us the form below or call at any time on 13 XINC (13 9462) or direct on +61 2 90188417 and we will return your call within 2 business hours.

Home Loans - Fixed Rate - Principal & Interest

Most fixed rate home loans are also available for investment purposes. Minimum repayments need to be met each month and are set for an agreed term which is now usually 30 years. In most cases, extra repayments cannot be made and redraw is not available. Fixed rate principal and interest home loans must be secured by residential property.

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.