Properly structured finance is critical to successful property investment

Use our articles from Australia’s leading property finance strategists as your guide – from understanding negative gearing to smart finance structures plus lots more.

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Hands of businessman
12

Serviceability – what is it and how do banks calculate it?

If you’ve been looking for a loan for your home or investment property, you’d have come across the term “serviceability.”  Broadly defined, serviceability is the ability of a borrower to meet loan repayments, based upon the loan amount, the borrower’s income, expenses and other commitments. This generates an overall figure, known as the debt service…

piggy bank save mortgage house property gold loan deposit
0

Understanding the difference between L.O.C and offset accounts

Many of the property investors I speak with are often confused about the differences between Line of Credit facilities and Offset Accounts. Understanding how these two types of loan related products can function will help determine the best fit for your property investment strategy. What is a Line of Credit? A Line of Credit (often abbreviated to ‘LOC’) is…

property build puzzle
8

What all property investors should know about cross collateralisation

Cross-collateralisation is an important loan structuring issue of which many property investors are not aware. Knowing the implications of cross-collateralisation is crucial to developing a long-term property investment portfolio. So what is cross-collateralisation? Cross-collateralisation occurs when more than one property is used to secure a loan or multiple loans. For example, a person owns Property A…

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