Finance advice

What kind of loan is right for you?

By Sasha Karen

When you’re looking to finance an investment, what kind of loan should you consider – principal and interest or interest-only?

Unless an investor has a lot of money on hand, loans are the main option to obtain property. With both principal and interest loans and interest-only loans available, what kind of loan should investors go with?

Speaking on a panel with fellow investors on The Smart Property Investment Show podcast from a property event in Melbourne, Steve Waters, director of Right Property Group said which loan you choose should depend on the personal context of the investor.

“I’m a fan of interest-only unless you’re perhaps taking equity out of your principle place of residence,” Mr Waters said.

“Then, I’d probably entertain the idea of keeping those repayments as principal and interest but certainly on your investment properties, I’m a fan of interest-only, it frees up cash flow for you.”

However, investor Will says interest-only loans work well for him and his wife.

“We have… an offset bucket bank account where we put the excess funds that we would have paid off in that offset bucket,” he said.

“So, say, for example you had a $100,000 loan for your home loan. Instead of paying an extra $20,000 in principal, we pay that $20,000 to [ourselves] and, you’re still then only paying interest on $80,000 dollars.

“Also, with your investment properties, we pay interest-only and that excess cash flow we then reinvest in our next property to grow the portfolio.”

Investor Ross agrees with Will, saying “interest-only is the way to go”.

“If you’re paying principal and interest, that might be okay if you’ve got one investment property… but if you’re going to build that portfolio you really need the cash flow.”

Phil Tarrant, director of Momentum Media, parent company of Smart Property Investment, said that deciding on what loan would work best is a question best answered by a mortgage broker.

“They’ll sit down and explain how it all works to you,” Mr Tarrant said.

“There’s an end goal and the end goal is that you want to own property in a portfolio and be debt free on it so, how do you get rid of the debt?

“You’ve either got to sell some properties to pay off the other stuff or you can start paying down the principal further on, but you’ve got to get to the point where you’ve got enough clout behind you, a sizeable enough portfolio, so you can realise that end number and then you’ve got to start thinking about paying down the debt.”

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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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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

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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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