Investment Loans
Investing in real estate can be financially rewarding yet complex. Your loan structure is a fundamental component of your investment property success. We align with your long-term property portfolio goals, risk tolerance, and cash flow objectives before offering a personalized loan structure solutions tailored to your investment strategy. Our brokers work with you to secure the most suitable financing options, whether it's for new acquisitions, refinancing, or leveraging your equity. Whether you're a seasoned investor or just starting your real estate portfolio SPM Finance is your partner for investment property success.
Why Home Loan Structure Matters: It's not just about the interest rate
Home loan structure matters in investment property because it directly influences cash flow, tax implications, and adaptability, all of which play integral roles in the success and profitability of the investment. For example, choosing between fixed and variable interest rates or setting up an interest-only period can influence cash flow and the overall financial viability of the investment. Certain structures may offer tax advantages, such as deductions on interest payments and other property-related expenses. Our mortgage professionals who can help tailor the loan structure to align with your specific investment goals and financial circumstances.
Tailored Solutions: We understand that every borrower is unique. Our experts work closely with you to develop a home loan structure that aligns with your individual financial goals and lifestyle.
Mortgage Optimization: We analyze your current mortgage situation and identify opportunities for optimization -are you contributing too much towards your current investment property (paying P & I) whereas you could be contributing those extra funds more off your own home loan?
Mortgage Features: We'll guide you through the available features and options, helping you make informed decisions about offset accounts, redraw facilities, fixed or variable rates, and more.
Equity Release
Releasing equity from your home loan can be a strategic move to unlock opportunities for further wealth creation, such as acquiring a new investment property. Your home is often one of your most significant assets, and it holds untapped potential. By accessing the equity built up in your home, you can secure the funds to invest in a new property. This method of financing can provide you with the deposit for a new purchase, renovation, or even covering the full cost of an additional property.