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INVESTORS
Everybody is attending to the first home buyers market,
and the Investors are considered to know it all... We find
that Investor market is Finance Savvy. However, in a dynamic
market such as ours its helpful to consider an experts opinion.
It you’re planning to buy your first Investment property
or second or third... Consider calling PROVIDA to get maximum
advantage of your situation.
STEP 1: EXISTING EQUITY AND HOW MUCH DO YOU NEED TO BORROW?
PROVIDA will assist you to understand that you
could use equity in your existing property and how could
you finance your Investment property virtually without having
to pay from your pocket.
STEP 2: NEGATIVE GEARING VS POSITIVE GEARING – FUNDING
THE RIGHT PROPERTY
This is the decision of your mind. You may wish
to choose any of the above strategies, and that should determine
your purchase. Your Investment property should satisfy two
conditions: Good Return and Good Growth. There are several
books and publications, articles available on the same to
assist you to make the decision.
STEP 3: LOAN APPROVAL AND LOAN STRUCTURING
PROVIDA would assist you to understand loan structuring
and why that is important. Bad loan structuring can be an
Accountant’s nightmare!!
Loan approvals follow the ordinary course.
Considerations
for an Investor….
Understanding tax and structuring
It’s important to have a sound knowledge of the tax
issues and how to properly structure your investment. You
must consult your tax consultant /accountant for specialist
advise.
Working out your cashflow
Cashflow is critical to your investment’s success
and careful planning is needed. Use our investment property
cashflow program to help you assess your investment property’s
cashflow.
Finding the right investment loan
Your Provida Finance Mortgage Broker can help you choose
a loan solution that is right for you, without all the running
around. Many investors prefer interest only fixed rate loans
to assist them in their budgeting and to give peace of mind
that repayments won’t rise. If, however, you do want
to reduce your loan, but also want some protection against
rate rises, consider a split loan solution.
An equity loan is also worth discussing with your Provida
Finance Mortgage Broker as it can make it easier to fund
any monthly cashflow shortfalls and repairs and renovations
to the property.
And rather than having to juggle your finances to arrange
your deposit on your investment property, we can organise
a deposit bond for you.
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