Loan structure refers to the way your mortgage is set up, including aspects such as:
Think of it as the blueprint of your mortgage, outlining how and when you'll repay the borrowed amount
Property investment is as much about cash flow as it is about capital growth. A smart loan structure can ensure that you're not overextending yourself, and have the liquidity needed to cover expenses or take advantage of new opportunities.
If you're aiming to expand your property portfolio, the right loan structure can facilitate growth, allowing you to leverage existing assets to purchase new ones.
Separate loans for separate properties mean that if you face financial hardship with one property, it doesn't necessarily jeopardise your entire portfolio.
Australia's tax system allows property investors to claim certain deductions. A correctly structured loan can help you make the most of these.
As with any investment, the future is unpredictable. A flexible loan structure can adapt to changing circumstances, be it personal or market driven.
Building a property portfolio in Australia can be an exciting journey. However, the foundation of any successful property investment isn't just the property itself but also the loan structure behind it.
No two investors are the same. So it can be a good idea to work with an expert advisor, such as Vie Finance & Insurance, who can provide tailored advice, ensuring your loan structure supports your long-term goals.