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Investment Loans |
Loan Structuring
In order to purchase an investment property you will require a deposit. This can be achieved by either saving the money or if you have an existing property, say a family home where you have some equity, you can borrow against this equity to go towards the investment property. Conceivably, an investor, who is a homeowner, could buy an investment property without having to find any cash at all, including all the costs associated with the purchase. Most often, this is the recommended manner proposed by financial advisors to investors, because the tax benefits to investment are directly related to the borrowings and the associated costs i.e. when you maximise the borrowings you maximise the tax benefits. To finance an investment property using the equity in the family home you will need to provide both the home and investment properties as security against the loan/s. This gives rise to three possible financing scenarios, those being:
Which of the above structures is the best? Well that really is largely dependent on how you feel about separating the family home loan from the investment loan and secondly how much the lenders are going to charge you in fees for the set up. Of course if you are to purchase an investment property without using a second property you will only require a single loan. Our next step is to consider the types of loans that are available.
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The stakes are high when buying property but they do not have to be!
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