Finance advice

Successful loan structuring

By Cameron Morgan

cameron morgan tnMost property investors realise that debt plays a part in operating most investment properties. Furthermore, those sophisticated investors who learn that ‘sensible’ leverage or borrowings can accelerate their potential investment returns, take an active approach in better understanding finance and finance structuring through working with professionals who aid them in getting the best possible loan structuring.

Blogger: Cameron Morgan, Empower Wealth

What is loan structuring?

Loan structuring is all about structuring your finances to allow for the separation of non deductable debt from deductable debt (investment debt).  But it shouldn’t stop there.

Superior loan structuring of finance should also ensure that the structure is set up to accommodate future plans.  These plans could include:

• Debt Elimination options—Noting payment first of non-deductible debt

• The future leasing on your existing Owner Occupied home and the potential Offsetting of interest and the potential of investment flexibility

• The non cross securitisation of more than one security (property) per loan/mortgage

• Provision for automated repayment options and full use of interest minimisation functionality within the loan and banking structure

• Factoring in of future equity  and investment needs and retirement goals, including wealth and income targets

• Ensure future cash flow needs are accommodated for, without effecting the  loan repayments/commitments

•    The ability to consider and access further borrowing power to continue to build one’s portfolio

The future planning also needs to work in with one’s own day to day banking requirements from their lender. 

Product features should also include:

• Competitive Interest rates (On-going, not just cheap today to win your business, then more costly later on)

•? Convenience of banking such as Internet, Phone and smart device Banking

• Low Fees or a suite of products that justify an annual fee payable—like what's on offer under a professional package

• Limited or no penalties fees for restructuring or splitting/hedging options

My experience in dealing with hundreds of clients is most finance / mortgage providers, notably the lenders direct, have little understanding of what’s required in regards to superior loan structuring for the most effective outcomes for the borrower. 

Furthermore they lack the specialised knowledge and experience with clients who have more than one investment property and usually lock in all the clients’ securities against all mortgages, putting the bank in a position of extreme advantage in holding all securities unnecessarily.

Property Investors looking to build on a property portfolio should ensure they deal with professionals who specialise in the area they want to invest.  In terms of property investment its now different—find an accountant with lots of Property Investment experience, find a mortgage broker (like Empower Wealth) who don’t sell property but specialise in the correct financing of property investments and finally find a solicitor well versed in  property transactions.


About Cameron Morgan
cameron morganCameron Morgan is a director of Empower Wealth, and heads up the Brokerage division of this firm.  Cameron is ranked in the top 40 brokers in Australia last year – MPA Top 100.  

He is a successful property investor with a multi-million dollar property.

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FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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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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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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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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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.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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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Getting finance approved in this tightening lending environment

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