Property Investment

Investing in property is a smart way to build wealth and secure your financial future. At Plaxo Mortgages we specialise in helping clients like you navigate the unique challenges and opportunities of property investment.

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Key Considerations for Property Investors

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Deposit Requirements:

Most investment property loans require a deposit of at least 30%, as the loan-to-value ratio (LVR) for these properties is typically capped at 70%.

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Rental Income:

Potential rental income may be factored into your borrowing capacity, which can improve your ability to secure a loan.

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Plan for Costs:

Account for maintenance, insurance, and potential vacancies in your budget.

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Review Your Loan Regularly:

Optimising your loan terms can improve cash flow and reduce costs.

How Plaxo Mortgage Advisers Can Help

We're here to simplify the process and maximise your returns by providing:

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Tailored Loan Structures:

We'll help find a mortgage solution that aligns with your investment goals.

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Access to Specialist Lenders:

Access competitive rates and flexible terms through our network of lenders.

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Rental Income Assessment:

We'll help assess how rental income may support your borrowing power.

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Tax Strategy Guidance:

While we don't provide tax advice, we can refer you to experts who specialise in property investment.

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Portfolio Expansion Advice:

Ready to grow your portfolio? We can guide you through each step.

Q: Can I use equity from my current home to buy an investment property?

A: Yes, leveraging the equity in your existing property can serve as part or all of your deposit, reducing the need for upfront cash.

Q: What is debt-to-income (DTI) ratio, and how does it affect my borrowing capacity?

A: The DTI ratio compares your total debt to your income. Rental income from the investment property can be included, improving your DTI and borrowing capacity.

Q: Are there any tax benefits to property investment?

A: You may be able to claim deductions for expenses like loan interest and maintenance. Consult a tax professional to explore these benefits.

Q: Should I opt for a fixed or floating interest rate?

A: Fixed rates provide stability, while floating rates offer flexibility. Many investors choose a mix to balance these benefits.

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