Investing Through Property
Understanding finance structure is an important part of understanding the investment decision.
Property investment can form an important part of a broader financial strategy, but the finance structure behind an investment property can be different from a typical owner-occupied home loan.
The loan amount, deposit, property type, repayment structure, interest rate, loan features and ongoing costs can all be relevant when considering an investment purchase.
UrbanCrest can help you understand the finance considerations involved and explore lending options that may align with your circumstances and objectives.
Investment Loan Options
Principal & Interest
Principal & Interest
Principal & Interest
Repayments include both the loan principal and interest. This structure can help reduce the outstanding loan balance over time.
Interest Only
Principal & Interest
Principal & Interest
Interest-only repayments may be available for certain investment loans for an agreed period. Understanding the benefits, limitations and future repayment implications is important.
Variable Rate Loans
Variable Rate Loans
Variable Rate Loans
Variable rate loans may provide flexibility through features such as additional repayments or redraw, depending on the product.
Fixed Rate Loans
Variable Rate Loans
Variable Rate Loans
Fixed rate loans can provide greater certainty around repayments during the fixed period, although they may have different features and limitations.
Understanding Your Investment Finance
Investment lending can involve considerations that extend beyond the initial purchase.
Understanding how repayments, interest, loan features, fees and the overall loan structure work can help you make more informed decisions.
Depending on your circums
01 — Understand the Numbers
Consider the purchase price, deposit, loan amount, repayments and other costs associated with the property.
02 — Understand the Structure
Consider whether fixed, variable, principal and interest or interest-only arrangements are appropriate for your circumstances.
03 — Understand the Longer-Term Picture
Consider how the loan may fit with your future property plans and changing circumstances.
Looking Beyond the First Investment
For some investors, the first property purchase may be the beginning of a longer property journey.
As circumstances change, your lending requirements may change too. Future purchases, refinancing, changing income, property values and existing commitments may all influence your finance needs.
UrbanCrest can help you review your lending position as your circumstances and objectives evolve.
Your Investment Finance Journey
01
01
01
Understand Your Goals
02
01
01
Review Your Financial Position
03
01
03
Explore Investment Lending Options
04
01
03
Assess the Property & Loan Structure
05
05
05
Submit the Application
06
05
05
Move Towards Settlement
07
05
07
Review as Your Plans Evolve
Thinking About Your Next Investment?
Let's have a conversation about your property investment plans and the finance considerations that may be relevant to your circumstances.