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CASE STUDY: Investment Success With $0 Deposit $0 Mortgage Insurance

By Neil Carstairs

Promoted by Mortgage Corp

Borrowing Power Increased Through A Tax Effective Loan Structure

Client at a glance

Executive Summary

Mortgage Corp helped a property buyer purchase an investment property with fantastic development potential. With significantly increased borrowing power and tax effective loan restructuring, this investor was able to secure the investment property whilst avoiding lenders’ mortgage insurance.

  • Increased borrowing power significantly by restructuring home and investment loans
  • Implemented a tax effective loan structure to help him reach his investment goals
  • Bought an investment property with fantastic development potential

Overview

Client: Luke, Client of Mortgage Corp since 2016

Marital status: Married, 2 children

Income: $200,000+ 

Occupation: Management

Suburb of property: HawthornHawthorn, VIC Hawthorn, SA, VIC 3122

Objective: Obtain financing to secure a development opportunity

Results: secured a great investment property without paying lenders’ mortgage insurance

Background

Luke owned a $1 million family home and was interested in growing his property portfolio.  He had his eye on a house with fantastic development potential in Hawthorn. He thought he would have no problem getting a loan for the new investment as he’s got a high paying job at a publicly listed company.   

He initially asked another mortgage broker to help him find a lender, however neither he nor the other broker realised that lenders were only using 80% of the rental income on his new potential investment when working out his borrowing capacity.  After being rejected by a number of banks and not knowing why, he decided to change do some research on mortgage brokers in Melbourne. He read all the good reviews of Mortgage Corp and was compelled to speak to our Loan Strategist Neil Carstairs.

The Challenges

  • Luke’s previous mortgage broker was only focussed on getting him the lowest interest rate and hadn’t given due consideration to helping him maximise his borrowing power and achieve his investment goals
  • Whilst Luke had a very high income and plenty of equity in his family home, he wasn’t able to demonstrate he could service the new loan as the rental income was not enough to cover his repayments

Objectives

  • Find ways to increase his borrowing power, whilst avoiding paying lenders’ mortgage insurance (LMI)
  • Restructure his loans so that it was more tax effective and flexible, allowing him to achieve his investment goals

The Solution

We explained to Luke that the reason he wasn’t able to borrow as much as he could was because

  1. Lenders were only taking 80% of his rental income into account when working out his borrowing capacity.
  2. His loan structure was also not setup correctly to be tax effective and to provide adequate loan flexibility.

Now that he understood these, he realised he needed other ways to boost his borrowing capacity.  

After some further digging, we found out, to avoid paying LMI, he was planning to use cash and savings as a deposit in order to borrow 80% against the investment.

Loans more than 80% of the property price will generally attract LMI (usually a few thousand dollars).  However because he only had a small mortgage remaining on his own home, our mortgage strategist Neil Carstairs saw an opportunity to assist Luke to get 100% borrowing on the proposed investment – still without needing to pay LMI.  

This not only boosted Luke’s borrowing capacity but also created a more tax effective loan structure. Neil also suggested Luke speak to his accountant to possibly get more out of his loan from a tax perspective in relation to his new investment loan.

Increasing his borrowing power allowed Luke to secure the development opportunity he wanted.  Restructuring his loans also created more tax efficiencies and put him in a better position to purchase further investments in the future as part of his investment goals

Results

  • Increased borrowing power significantly by restructuring home and investment loans
  • Implemented a tax effective loan structure to help him reach his investment goals
  • Bought an investment property with fantastic development potential

Note: for privacy reasons, names and locations used in this case study are not real client names or locations.

Mortgage Corp Client Testimonials

    

 

For real Mortgage Corp customer reviews, visit

www.mortgagecorp.com.au/testimonials/  or

www.facebook.com/pg/mortgagecorp/reviews/

What’s Next?

Keep reading How To Increase Your Borrowing Power For Self Employed Loans,  9 Income Sources That Could Boost Your Borrowing Power.

 

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podcast

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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

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AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
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Albury
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Penrith
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Morayfield
Melbourne
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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

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Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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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Eagleby
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Townsville
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Paddington
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Orange
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Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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