Finance advice
Damian Collins

6 tips for refinancing to invest sooner

By Damian Collins

You could be sitting on an equity goldmine without even realising. Here's how to use your home to get an investment property — without cross-collateralising. 

Most people don’t tend to invest in flat property markets because they’re deterred by the apparent negative sentiment, sensationalist media headlines or uneducated opinions from family and friends. But in reality, now is the time to make that investment in the PerthPerth, TAS Perth, WA property market – before the upswing begins, as you now have the greatest potential for growth. And with fewer buyers in competition with you, more choice in properties, and thus greater negotiating power, now really is the time to get onto the property investment ladder.

Utilising the equity in your principal place of residence (i.e. your home) is one of the easiest and quickest ways to buy an investment property. Are you thinking of refinancing your mortgage to buy an investment property? If so, here are six tips you need to know before taking the plunge.

1. Engage a mortgage broker rather than a bank direct
A bank will only offer you their home loan products whereas a mortgage broker will be able to offer you different loans from a range of lenders. Furthermore, not every bank will lend you the same amount of money, which could severely restrict the type of investment property you can acquire. By engaging a broker, you’ll be able to find the best loan product and deal that’s suited to your circumstances.

2. Ensure your mortgage broker specialises in investment loans
Don’t engage a broker that usually offers home loans or is ‘all things to all people’ and provides loans for cars, boats or personal loans. It’s best to utilise a broker who specialises in property investment loans because they’ll have the best understanding of ways to adequately structure your finances to minimise tax and maximise your cash flow. They’ll be able to give you more knowledgeable property investment financial advice, rather than general investment advice that might not translate well to the property market.

3. Determine how much your property is worth and make a budget
Your broker will be able to organise a valuation of your home, which will help to determine your borrowing capacity. You should also make a household budget to determine your discretionary income (i.e. money left over after weekly expenses, such as bills) and how much income you’re comfortable to allocate to the holding costs of the investment property (i.e. how much money it will cost you to hold the investment property each week).

4. Define your price range
Now that you’ve determined your borrowing capacity and allocated money from your household budget towards the potential holding costs, you’ll have a good idea of the price range that you can afford when buying your investment property, as well as the rental return required to service the loan. Make sure you speak to a buyer’s agent who specialises in investment property because they’ll be able to find the best type of property that suits your circumstances.

5. Obtain pre-approval but don’t cross-collateralise
Before making an offer on a property, make sure you have pre-approval for your loan. This will put you in a stronger position over other buyers when you do want to place an offer, and sellers will take you more seriously. Ensure you don’t cross-collateralise your loans for your investment property and your principal place of residence (i.e. don’t use more than one property as security for any single loan).

6. Opt for an interest-only loan
Make the loan on your investment property as an interest-only loan, that is, you only pay the interest and not the principal. This will help improve your cash flow and you’ll be able to direct any additional cash towards paying off your home loan, which is non-deductible debt, meaning you’ll be minimising your tax bill.

Refinancing the mortgage on your home to purchase an investment property is a simple way to kick-start your property investment journey.

These six tips will help you to approach the process in the right manner. However ensure you engage trusted advisers who will be able to provide you with the right advice because your loans and financial structures can make a significant difference as to how much wealth you generate through property investment.

 

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About the Blogger

Damian Collins

Damian Collins

Damian Collins is the founder and managing director of Momentum Wealth, a Perth-based property investment consultancy that specialises in building the long-term wealth of its clients by assisting in the strategic planning, financing, acquisition, development and management of their investment properties.

FROM THE WEB

podcast

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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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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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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

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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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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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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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