Finance advice
Warren Littlefair

11 things to consider when applying for an investment loan

By Warren Littlefair

If you're about to apply for a loan for your next investment property, make sure you know what you're in for.

Blogger: Warren Littlefair, general manager, Peard Finance

The start of the 2014/2015 financial year has seen strong activity for investors in the PerthPerth, TAS Perth, WA property market driven by low interest rates and competitive house prices. A number of banks, for example, have now dropped their five-year fixed interest rate for investors to below five per cent.
 
However, securing an investment loan can be very different from taking out a home loan for an owner-occupier property. In particular, investors need to take into account the following points:
 
* Study your choices: There are a large number of institutions that offer tailored home loan packages for investors covering fixed-rate and interest-only loans. There are several hundred home loan options to choose from and securing an interest rate reduction of just 0.25 per cent on an average investment loan can result in thousands of dollars in savings over the life of the loan.
 
* Financial documents: Make sure that you have a comprehensive list of all financial documents to support your loan application.
 
* Speak to your tax advisor about the most effective tax entity: To purchase your investment properties through ie. family trust, individual or company structures – especially if purchasing cash flow positive property.
 
* Interest rate rises: Take into account any future interest rate rises or falls. While fixed rates are generally favoured by investors, in the current climate of falling interest rates it may not be the most suitable strategy.
 
* The costs: Don’t always select the home loan with the lowest advertised interest rate. Application and monthly management fees, for example, can considerably add to the overall cost of a loan that might be advertised at a very low interest rate.  Look at the comparison rate which takes into account these costs.
 
* Check the fine print: Low introductory home loans, eg. may have high break costs or might revert to a high interest rate making this kind of home loan a more expensive option.
 
* Ownership period: Determine how long you plan to hold the property. If it is for a short period of time, then a home loan that offers very flexible conditions might be an attractive option.
 
* Debt reduction: Select a loan option that allows you the ability to quickly reduce your debt commitments if required, eg. through the use of ‘offset’ accounts, a borrower may significantly reduce the term of the home loan and save thousands of dollars.
 
* Mortgage insurance: Make sure that you consider ‘surprise’ costs when applying for the loan, ie. mortgage insurance.
 
* New debt: Do not take on any additional financial burdens during the loan application process, ie. buying a new car on credit. New debt could complicate the home loan application.
 
* Settlement: Allow enough time for finance approval and settlement. Generally you should allow at least three weeks for finance approval and four weeks for settlement.

 

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About the Blogger

Warren Littlefair

Warren Littlefair

Peard Finance is the finance division of the Peard Real Estate Group which is s now the largest independent non franchise real estate group in Western Australia with an annual turnover of nearly $1.4 billion. Peard Finance is a premium provider of lending solutions who have a qualified professional team of Authorised Credit Representatives (ACR) dealing with over 30 different banks and provides this service throughout Western Australia. The division is  headed by Warren Littlefair who has a wealth of experience in the financial services sector and has has held senior roles in the banking and broking sector in Australia. Warren has also held a board position with Industry body SEQUAL.

FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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!

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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!

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Launceston
Raceview

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A joint property portfolio before they were even living together

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