Finance advice

9 Income Sources That Will Boost Your Borrowing Power When Assessed Correctly

By Neil Carstairs

Whether you’re planning to buy your first home or investment property, or just want to upgrade to a larger dwelling, it’s essential to maximise your borrowing capacity by fully considering all your income sources.

Blogger: Neil Carstairs, Director & Senior Lending Specialist, Mortgage Corp 

Banks and other lenders assess your supplementary income streams quite differently to your base salary. And each bank employs their own unique set of policies and criteria to determine how much they’re willing to lend.

It’s important to have an experienced mortgage broker thoroughly identify and appraise all your income sources because whether your income is assessed correctly or not could mean the difference between securing your dream home, or missing out to another buyer.

1. Bonus Income

Do you earn a regular bonus at work? If you do, then don’t forget to include evidence of this additional income with your payslips or group certificates. But remember that most lenders will only consider bonus income if it’s paid quarterly or monthly. Annual bonuses may not always be accepted.

2. Commission

If your job involves steady commissions, then you can include this extra income when applying for finance. But in most cases you’ll need to be able to show consistent commissions over your two most recent tax returns, or your Group Certificates and PAYG Summaries

3. Allowances

Some companies offer employee benefit packages such as car allowances, shift allowances and penalty allowances. Each lender assesses these allowances differently. Some may cap the car allowance at $5,000, even though your own car package could be $20,000 or more. It’s essential to ensure these allowances are correctly documented in your application.

4. Rental Income

If you already own an investment property, then make sure to include your rental income. Most lenders use 80% of the rent when calculating your borrowing power. Some banks account for negative gearing, while others don’t. If the property is jointly owned, the lender may only accept half the rent, while assuming you’re liable for all the debt.

5. Holiday Rental Income

Holiday homes also generate an income stream, however this may not be as dependable as a regular investment property. The location of the dwelling, and whether you have declared the income in your tax returns for the previous two years will also be taken into consideration.

6. Share Dividends

A dividend is a regular payment generated by shares that you hold in the Australian or international equities markets. If you have a healthy share portfolio, then you can include this income stream in your application.

7. Pensions

There are various different types of pension, and each must be assessed on a case-by-case basis. Some pensions will be allowed, while others may not be accepted. An experienced mortgage broker like Mortgage Corp can quickly identify the best lender to approach, in order to achieve the highest probability of acceptance for each type of pension.

8. Family Tax Benefit

If you have a dependent child younger than 16 years of age who is not receiving another government benefit, and your income is below a certain threshold, then you may be eligible for Family Tax Benefit A or B. Many lenders will include this income stream to determine your borrowing capacity, depending on the number of children you have, and their ages.

9. Child Support Payments

The Child Support Agency provides additional payments to qualified parents based on your income and the age of your children. Don’t overlook this source of income when applying for finance. It will need to be evidenced by court orders, agreements, or payment history over six months.

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podcast

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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!

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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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AREAS MENTIONED: 

Hobart
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Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
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Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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