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Correct
Loan Structure Is Of Key Importance, For Investment Properties!
We have hundreds of varying
types of investment property loans
106% loan
covers everything including set up expenses
Global line of credit,
a creative loan that allows you to pay down one loan and increase another in a
breeze. This "Investor style loan" can be used for rapid reduction of your
owner occupied property and maximising the investment property loans. This
type of loan can have many splits; further a combination of LOC (line of credit
loans) and standard loans can be used whilst your limit is calculated on the
Global amount. Did I mention you can have an Offset Account incorporated
in this package? well you can.
100% offset accounts
another product used for rapid reduction without effecting the loan itself,
great for investment properties or owner occupied properties. There are
varying types of Offset Accounts some offer a limited offset rather than the
full amount.
Interest only - great
for investment properties as helps with cash flow and money can be
contributed to your owner occupied or life style. Some investors even have
their owner occupied on interest only this frees up cash flow even further,
keeping their extra cash in the Offset Account.
Structure The
Investment Property Loan Correctly Or Pay in the Long Term
It is important to have the correct
loan structure when considering investment properties, or you could be in for
some costly mistakes. Your lender will try and set you up so that you are
locked in with them and structure the loans in such a way, it will be hard to
incorporate a different lender at a later time.
Investors need the flexibility as
sooner or later the initial lender will see them as a high risk and stop the
borrowing. If they have tied your property up it will be expensive to
incorporate the new lender whom will lend you more, as they are not over exposed
to you. A good mortgage broker will ensure your properties have been set
up to allow flexibility if it is required down the track; he/she is not
concerned if you choose another lender as they will have plenty on their panel
for you to choose from.
We provide a professional, friendly
& highly qualified service; why go it alone when you can have a professional
structure your loans and possibly save you thousands in the long term at no cost
to you?, we are paid by the Banks.
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