Finance advice

Investors may be sabotaging themselves with loans

By Reporter

Certain types of loans and structures may sabotage your investment intentions, particularly if you are chasing them due to low interest rates, according to Smartline’s executive director, Joe Sirianni.

One type of loan many investors consider are line of credit loans. While these loans can have their benefits when used in the appropriate way, many borrowers fail to control their loan enough.

“A line of credit is like a giant credit card, so they should be used only by people who can be disciplined,” Mr Sirianni said. 

“To get ahead with a line of credit, you need more money coming in than going out every month. And if you have access to credit, and you don’t have discipline, you’re more likely to spend more than is being paid off the loan and start going backwards financially.”

Paying Interest Only for the life of the loan is also another area where investors may be looking.

“This is particularly the case for those who want to build a portfolio of investment properties as quickly as possible,” Mr Sirianni said.

“However, at some stage it’s prudent to look at paying principal and interest to start paying down the loan and build up equity.”

He explained that the main benefit of paying off the loan proportion by the time you reach retirement is for those looking to benefit from rental income.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

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The different reasons to start rentvesting

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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