Property Investment
Home Loan Solutions For Investment Properties
AUSTRALIAN MORTGAGE BROKERS
Secure Your Investment with Expert Guidance
Start Your Investment Journey With Ezi Homeloans.
Navigate the Property Market with Confidence
Research and having the right people to help you are the keys when investing in property. It definitely pays to do your homework on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision. Many economic factors are guiding mum and dad investors back to the stability of bricks and mortar.
Generally, property in Australia remains a sound investment due to steady and consistent increases over time. However, it’s not a quick win. Property investment typically follows a seven to ten-year cycle, with periods of highs, lows, and steady stints in between.
Find the Perfect Loan for Your Investment Journey
Fortunately, ongoing housing shortages in Australia and a tax system that allows negative gearing on property—where investment losses can be claimed as tax deductions, continue to favor housing as a solid, long-term investment.
Ezi Homeloans are here to help you find the perfect loan for your circumstances in this new environment. We navigate through the myriad of loan options, giving you more time to focus on finding the ideal property.
Why Invest in Property
Benefits to Property Investment
Capital Growth
Property values in Australia have historically grown ~9% per year on average. While the market goes through cycles of stagnation and decline, a long-term investment view of at least 10 years can yield significant returns. A property increasing by 7.5% annually will double in value over 10 years.
Rental Income
Rental income, or yield, is the rent an investment property generates. It’s calculated by dividing the annual rent by the purchase price and multiplying by 100. Typically, higher-priced properties generate lower yields but may offer greater capital growth over time.
Tax Benefits
The Federal Government allows you to offset losses from investment property against your taxable income. For example, if your rental income is $5,000 less than the costs of maintaining the property, you can reduce your taxable income by that amount.
Leverage
Property investment can allow for greater leverage compared to other investments. For example, with $100,000 in savings, you can buy a $500,000 property by taking out a mortgage for $400,000. If the property value increases by 10%, your gain would be $50,000 compared to $10,000 if you invested the same amount in shares.
Accessibility
You necessarily don’t need a high salary to invest in property. Lenders consider rental income in their assessments, and if you already own a home, you can use its equity as a deposit for an investment property. Even without owning a home, buying an investment property can be a strategic step towards eventually affording your own home.
Low Volatility
Property values generally fluctuate less than the stock market, offering greater peace of mind for many investors.
Disclaimer
Making an investment of this magnitude is a significant decision, so have the right professionals on your side is invaluable. Before committing, it is recommended that you also obtain the necessary professional advice from an accountant or financial planner.
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