Investment Property Finance

The finance structure you adopt through your property portfolio can make or break the overall success of your wealth creation plans.

You need to consider which finance product to use, whether to purchase under a company, trust or your personal name and both the asset protection and tax implications of the structure you choose. There are also implications with lenders, valuers, products, rates and individual product features. It can be a complex task to try and choose the right finance.

At WAG we consider all of your options, helping you select the structure that will provide the most benefit in line with your goals. Though our associated network WAG offers finance solutions to match your property, your resources, available equity and over riding wealth goals.

Our partner Go Mortgage Corporation understands the specific needs of property investors.

Questions to Ask

Getting finance for property investing is not a simple as just applying for a loan and hoping to get approval. Here are some considerations you should know about.

What finance product will achieve your goals?
Do you know how your cash flow would be affected by a Line of Credit, a P & I or an interest only loan?
Will you need mortgage insurance? If so, will you be restricted with getting finance in the future because of the mortgage insurer?
Self employed? Will your finance structure provide a buffer should you be unable to work?
Are there fees associated with refinancing the loan? This could affect the release of equity in the future when it comes time to expand your portfolio.
How will your current finance structure impact on future asset purchases?

The right finance with the right financial structure is a critical component of your overall wealth creation plan. Think of it as the foundation on which you can build and expand your property portfolio.

Questions to Ask

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