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Property investing can be a great way to build wealth and is arguably the most popular investment vehicle in Australia.
Balance Property & Finance can work with you to ensure that your loan is structured so as to maximise the negative gearing and tax benefits offered from investing in property.
Whether the purpose of a property is for personal use or investment does not usually change the product on offer or the rate given. What can change these and the end loan to value ratio is the actual security type.

There are many ways in which you may choose to invest into property. Such as –

  • Off plan apartment purchase
  • House and land package that needs to be constructed
  • Existing apartment or house and land
  • Buy and renovate property
  • Serviced apartment
  • Student accommodation
  • Rural property
  • Commercial property
  • Vacant Land


All of these are able to be funded, however not all will have the same end loan to value ratio. For example, a house and land package could attract a 95% loan, however a student accommodation may only be able to attract 60%. There may also be a variance in the end rate offered depending on the risk the lender perceives the asset class to hold for them.

There is usually always a form of lending for all property classes, however as you can see they are not all treated the same. Balance Property & Finance has the ability to search many different lenders giving us an edge in finding the best product available for each style of property.

A key note for our friends from overseas is that depending on your Australian residency status you may only have a choice of certain asset classes to choose from. There may also be the need for Australian Foreign Investment Review Board approval.

As with all property purchases an experienced mortgage broker and solicitor/conveyancer can save you time and money.

Another aspect to consider is how you are going to fund the purchase. You may wish to pay your deposit in cash or use existing equity in another property. Using cash as a deposit is very straight forward however many people already own property and may not realise the untapped equity they have at their finger tips. This may allow them to provide the necessary deposit without using any of their cash savings.

If you are seeking to make your first investment purchase, grow your investment portfolio or would just like further information on any points raised above, please contact us and we would be happy to cover your options.

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