Investors

InvestorsU Can Home Loans have team members that specialize in investment loan structures that ensure your investment finance package provides you the maximum benefit possible.

Many property investors take advantage of interest only loans because interest payments are tax deductible. This means that as the property’s value increases over time, you make a financial gain from the capital growth while only making small financial contributions along the way. This is a great strategy for high income earners as they are taking advantage of negative gearing.

If you choose a positively geared investment (i.e. generate a profit from the rental income after costs), you may consider a principal and interest loan and use the profit to shave off the principal. Just remember, you will pay tax on any income from your investment. Talk to your accountant about your tax situation so your consultant can find the right loan.

Couples taking advantage of negative gearing should put the investment property mostly or fully in the name of the highest earner to reduce their taxable income. If you need both incomes to be considered in the lending equation, our consultant will give you the right advice on the best ownership equation for your circumstances.

Our Investors Pack:

We will make available to our investors the tools and assistance to get their negatively geared investment strategy up and running as soon as possible by offering access to our Investors Pack which includes:

  • Competitive Finance Package geared to maximise tax effectiveness
  • Choice of high quality property in growth areas
  • A Depreciation Report
  • A tax Variation Application lodged to the ATO (PAYG applicants only)
  • Assistance and advice with Handover Inspections, Property Management and Insurance.
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