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Avoid costly mistakes

Borrow to Invest

How much do you borrow? How do you pay down the loan? Do you fix the interest rate or stay variable? What do you use as security for the loan? Which lender do you use? Who's name do you put the loan be in?

The range of investment loan options can be daunting and making mistakes when establishing the loan can prove to be costly in the future.

We help you quickly cut through the clutter to find the most suitable structure, loan and lender for you. Here are a few answers to the key questions.

Please note. This page contains information relating only to investment loans, not properties. If you are seeking information about investment properties, I encourage you to head to our Investment Property Advice page, under services.

How much do you borrow?
The interest charged on debt borrowed to acquire or improve an income-generating asset is a tax-deductible expense. Therefore, if you have any non-tax effective debt (like your own home loan), you may wish to borrow the whole cost of acquiring or improving the investment in order to keep your no-tax effective debt lower.
How do you pay down the loan?
Offset or Redraw?
Fixed or Variable?
What do you use as security for the loan?
Which lender do you use?
Who's name do you put on the loan?

Borrowing to invest?

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