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Negative Gearing

ANZ Lending Update

ANZ Lending Update

Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a..

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( Posted in: Lending & Finance )

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Last of the Major 4 Banks to cap interest only loans at 80% LVR

Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for ...

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( Posted in: Lending & Finance )

Overcapitalising what it is and how to avoid it

Overcapitalising  what it is and how to avoid it

As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?

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( Posted in: Lending & Finance )

Budget changes to depreciation for investment properties

Budget changes to depreciation for investment properties

The latest federal budget has seen changes to the way property investors can claim depreciation. This will potentially cost investors thousands, although it is yet to be legislated.

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( Posted in: Investment Property )

Your guide to investment property loans

Your guide to investment property loans

There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.

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( Posted in: Lending & Finance )

In whose name?

In whose name?

When you decide to purchase an investment property there are a couple of important things you need to do before heading off to the agent and signing the contract! It is important to have look at all your structure options with your accountant, including discussing whose name you want on the contract.

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( Posted in: Investment Property )

5 Investment Property Ownership Structures Tenants in Common

5 Investment Property Ownership Structures  Tenants in Common

There are 5 major ownership structures in which you can hold investment properties, and each one has its pro’s and con’s. Tenants in Common is another ownership structure which can be used to maximise tax advantages and capital protection.

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( Posted in: Investment Property )

5 Investment Property Ownership Structures - Joint Ownership

5 Investment Property Ownership Structures - Joint Ownership

There are 5 major ownership structures in which you can hold investment properties, and each one has its pro’s and con’s. In my second article we will be looking at Joint Ownership.

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( Posted in: Investment Property )