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Investment Property Loans
Whether you are seeking to unlock the equity in an existing property or have savings to put towards your purchase, we will show you how much you can borrow, explain the loan features that maximise savings and tax benefits on investment property loans and liaise with your accountant to ensure that you have the structure in place to minimise your taxable income. We are able to provide you with free market data reports, suburb analysis reports and residential property valuation reports and can connect you with a buyers agent to ensure that the property that you are planning to buy is going to have the best chance of meeting your wealth creation aspirations. With investment loans, your capacity to borrow can vary dramatically from lender to lender as some will use all of the proposed or existing rental income in assessing your borrowing power, where others will use 60% to 80% of the rental income. You will also find that some lenders will put a buffer on top of existing loan repayments and then there are some that don’t. We have assisted many customers who have walked into their bank only to be told that they can’t demonstrate affordability; Our knowledge and expertise of which lenders are the right fit for your specific circumstances gives you a much higher chance of get your loan approved.
Advantages Of Property Investing

The benefits of investment properties varies depending on the type of property you purchase and what you do with the investment. Some of the most common advantage of investment properties are

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Capital growth
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Rental income
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Tax benefits with negative gearing & depreciation
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High demand for rental housing
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You can add value to your asset with renovations and small improvements
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Hedge against inflation
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Property is generally considered a more stable investment than stocks & shares
How we'll help you get the best investment loan

Our approach is tailored to your circumstances. With Assured, you can be sure we will work hard to get you the best deal in the market.

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We’ll show you how to use the equity in your home to purchase an investment property
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We’ll help you maximise your borrowing capacity
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We’ll liaise with your accountant to give you the best tax effective strategy
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We’ll find the most suitable loan options for you from Australia’s leading lenders
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We’ll complete all the paperwork and liaise with the lender on your behalf
The process of investing in property
The three elements required for successful property investing are planning, research and strategy. An investment property is one of the biggest financial commitments you will ever make and to achieve the best results, you need to take the time to get good advice and have a solid strategy before you act.
Talk with our broker
Step 01
Develop a strategy
Having clear investment goals

There are two types of income generated from investment properties, the first is rental income (yield) and the second is the increase in property value over a period of time (capital gains). You need to decide if your investment is a long term strategy that will give you a high capital gain over a number of years or if you are looking to earn income now from a high rental yield.

Understanding positive & negative gearing

Negative gearing is where the cost of owning a rental property is greater than the income earned from the property each year. This creates a taxable loss, which can be offset against other income such as your salary. Positive gearing is where an investment property earns more in rental income each year than it costs to own the property. As this profit is taxable, you will need to set funds aside to cover the tax you will be required to pay on your investment each year.

Establishing your budget

Developing a clear budget prior to purchasing an investment property is essential. The costs associated with an investment property are different to the costs of purchasing your own home. You need to consider there will most likely be some periods of time when the property is not tenanted so you will need to ensure you can cover the full cost of your repayments, repairs and maintenance without receiving a rental income during these periods.

Understanding taxation on investment properties

Investing in property offers many potential tax benefits, such as expenses associated with any investment property that is tenanted or available for rent as well as interest paid on your investment property loan. It’s essential to get professional tax advice specific to your circumstances prior to making an investment. The cost of your tax advice and having your tax returns professionally prepared for an investment property is tax deductible.

The following expenses can normally be claimed on tax for your investment property: Real Estate advertising for tenants
Property management fees
Accounting fees
Borrowing costs ie: loan establishment & registrations fees as well as valuation fees
Interest payments and ongoing loan fees
Stationery, phone costs, book keeping fees
Travel relating to the property Council rates, body corporate fees, land tax and strata fees Property maintenance & repairs Insurance premiums
Pest control, cleaning and gardening Utilities that are paid by you ie: electricity, gas and water
Depreciation of both the property and contents such as fridges, stoves & furniture

Step 02
Find the right property
Think like an investor not a home owner

Choosing an investment property needs to be a financial decision, not an emotional one. It’s imperative to think like an investor and select a property that will suit your financial strategy. Rental yield, capital growth and a property that appeals to your target tenant need to be at the forefront of your mind.

If you are not confident in making the right choice on an investment property, you can use the services of a buyers agent who is a property investment specialist. The team at Assured Lending can put you in touch with local buyers agents.

Location, location, location

Location is the key to investment property success. You need to research potential suburbs looking at things like, population growth, local housing prices, rental yields, rental demand, planned developments for the area, transport links, proximity to lifestyle features and business districts, schools, employment and suburb growth potential. Assured Lending are able to provide you with a range of  free reports to assist you when researching locations.

Features of an investment property

The type of property you purchase for an investment will obviously depend on your budget and investment strategy. You could consider a  house, unit, duplex, holiday rental or defence force housing.  You’ll also need to look at advantages and disadvantages of buying an existing property or buying off the plan. The type of property you buy will determine the level of rent you receive and may involve different upfront and ongoing costs. Think about the tenant you are targeting and research the demographic of people currently living in the suburb so you can select a property that suits their needs.

Step 03
Get the right loan
Find a loan and a lender that best suits your needs

Having an investment property home loan with the lowest interest rates and fees and the flexibility to suit your needs is just as important as selecting the right investment property. It is essential to shop around and make sure you are getting the best deal possible on what is likely to be the biggest financial commitment you will ever make.This is where the financial experts at Assured Lending Mortgage Brokers come in. We will compare the loan products of over 40 of Australia’s leading lenders, to find the investment loan that is right for you.

We compare over 40 of Australia’s leading lenders with a choice of hundreds of home loan products
Property Investing Tools
Property valuation report
Order your free desktop property valuation report to get an estimated value on any residential property in Australia
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Suburb profile report
Order your free suburb profile report to see how any Australian suburb is performing in
the property market.
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Property month in review report
The free Herron Todd White Month in Review report identifies the latest movements and trends for property markets across Australia.
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Property inspection checklist
Download a property inspection checklist to tick off when you inspect a potential property to purchase
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Home loan repayments
Get an estimate on how much your home loan repayments might be on an investment property so you can compare repayments to rental yield.
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Stamp duty calculator
Calculate what the stamp duty will be for a property you are considering purchasing.
Calculate STAMP DUTY
Property Valuation Report
Would you like a free report on an investment property you are considering purchasing?
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Suburb Profile Report
Order your free suburb profile report to see how any Australian suburb is performing in the property market
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Property Month In Review Report
The free Herron Todd White Month in Review report identifies the latest movements and trends for property markets across Australia.
VIEW
Property Viewing Checklist
Instantly download and print this property viewing checklist to make sure you consider all aspects of a potential property during a viewing.
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Home Loan Repayments
Get an estimate on how much your home loan repayments might be on an investment property so you can compare repayments to rental yield.
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Stamp Duty On An Investment
Calculate what the stamp duty will be for a property you are considering purchasing.
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No matter where in Australia your located, we'll find the right loan for you.
Get in touch with our team for a free 15-minute consultation call.
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