Buying an investment property is one decision. Structuring the finance is another.
Property investing involves more than finding the right property. Your deposit, borrowing capacity, loan structure, repayment strategy and existing commitments all play a part.
The decisions you make today may influence the options available to you tomorrow.
At LINQ CAPITAL, we look at your lending requirements in the context of your broader financial position. Whether you're entering the investment market or expanding an existing portfolio, we'll help you understand the available options, their costs and the considerations that matter.
Because a good investment decision starts with knowing your numbers.
Before you buy the next property, ask yourself these questions.
1. What will the numbers look like?
Have you considered the deposit, purchase costs, loan repayments, ongoing expenses and potential vacancy periods?
2. How will it affect your borrowing capacity?
A new loan can change how much you may be able to borrow in the future. Understand the impact before committing.
3. Does your loan structure suit your plans?
Consider repayment type, offset facilities, loan splits and how your lending is organised across properties.
4. What happens if circumstances change?
Allow for interest rate changes, unexpected expenses, periods without rental income and changes to your personal income.
5. Does this purchase fit your broader strategy?
Think about your objectives, cash flow, risk tolerance and how the property fits into your overall financial position.
Property investment comes with risks. Understanding your finance won't remove those risks, but it can help you make a more informed decision.
Understand your strategy - We start with your property goals, current lending, financial position and what you want to achieve.
Explore the finance - We assess your borrowing position and compare suitable lending options, including relevant costs, features and trade-offs.
Make an informed move - With a clearer understanding of your options, you can decide how to proceed and work towards your property goals.
Your next property deserves more than guesswork.
Whether you're exploring your first investment or planning your next purchase, let's talk about your goals and understand what your finance could support.