Investment lending
Getting the first one right is what makes the second one possible. Let's set things up so your plans have room to grow.
A quarter of a per cent on your rate is worth having. But the way your loans are structured — what's cross-secured, where your equity sits, how your borrowing capacity is consumed — is what determines whether you can buy again in two years or find yourself stuck.
That's the conversation worth having before the first investment loan, not after the third.
Using equity in your home
Releasing equity to fund a deposit is common and straightforward, but how it's structured has real consequences for tax deductibility and for your flexibility later. This is one where your accountant and I should both be in the conversation.
Cross-securitisation — and why to be careful
Tying properties together can make an application easier today and your life harder later, when selling one means renegotiating the lot. Sometimes it's the right call. Often it isn't, and it's worth understanding before you agree to it.
Interest-only, offset and structure
Whether interest-only suits you depends on your own strategy and tax position, rather than on whatever happens to be popular at the moment. The same goes for where your offset account sits. I'll explain the trade-offs; your accountant should confirm the tax side.
Borrowing capacity across a portfolio
Each loan consumes capacity, and lenders assess existing debt very differently from one another. Choosing the right lender for loan one — and keeping some lenders in reserve — is often worth more than the rate on any single loan.
A note on what I don't do
I don't provide tax advice or financial planning advice, and I won't tell you whether a particular property is a good investment. I'll structure the finance well and tell you plainly when a question belongs with your accountant or adviser.
Thinking about your next property?
Whether it's your first investment or your fourth, a conversation before you commit is worth more than one afterwards.
Other situations
Buying your first home
You've saved, you've been to the open homes, and you're closer than you probably think. Let's work out exactly what's possible.
Read moreRefinancing
Your loan should still be working as hard as you are. A fresh look often frees up more than people expect.
Read moreSelf-employed & business owners
You've built something, and it should count for you rather than against you. With the right preparation and the right lender, it does.
Read more