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Property investment loans information | Ironfish finance experts

Get the best results from your investment loan and build your assets on top.


One location. One solution : Property Investment Loan solutions with Ironfish

When investing in residential property as a vehicle for wealth creation, it is beneficial in most cases to borrow money rather than use your own personal reserves. Property investment loans serve that purpose and there are many and varied products, types and solutions in the market place.

A property investment loan may take many forms. Where you have existing personal, non investment debt, often it is a good idea to take a loan where you only have to pay the interest, with no requirements for capital reductions to the balance. This enables you to focus your cash flow on reducing personal debt, before reducing tax effective investment debt.

In some cases, there are options to take this approach further, by capitalising interest in certain very particular situations.

Where you are in the fortunate position of not holding personal non investment debt (such as a Home loan or personal loans), the option exists to consider paying down the principal balance of the loan, unless your personal cash flow is better served elsewhere.

A further consideration when taking an investment property loan is whether to take
  • a fixed rate,
  • a variable rate
  • or a combination of both.
This will depend on your circumstances, but it is important when considering such a step to firstly ask yourself, whether you could afford higher interest rates and the impact on your repayments. If the answer is no, fixing all or at least some of your investment loan will create some level of short to medium term certainty in your repayments and consequently your cash flow. If the answer is yes, the decision to fix is one simply as to whether you believe you may profit from taking a “position” on interest rates. This can have positive and negative effects, not only on whether you profit, but also it may affect your flexibility to change your structure in future, especially if you are continuing to accumulate assets and have changed cash flow circumstances.

The overriding fact in all of these considerations is the level of cash flow available throughout and the likely changes in cash flow expected over time. Planning ahead may help you avoid unnecessary and unexpected situations such as
  • Property Investment loans which become inflexible over time,
  • or packages which become more costly as your need for certain services changes.
At Ironfish, we understand the importance of getting your Property Investment loan structure right, not just for now, but taking into account your future wealth creation plans and aspirations. Our team is ready to help you make your property investment goals a reality by taking the time to truly understand what Property investment loan approaches best fit your circumstances.

Over the recent years, the Ironfish Group has built itself a reputation as one of Australia’s best property investment companies. Our professionalism, integrity and experienced property selection system allow us to choose the best areas for property investment and then help our clients achieve their long term financial goals. So, if you want to invest in property or need sound property investment advice, contact us… or make an online enquiry today.