investment property loans made simple
Thought about becoming an investor. We can help you build your wealth with the right strategy and loan to maximise your investment.
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Property investment can help you get your first step on the property ladder or help you build wealth. Whatever your aim, it pays to research the costs, risks and benefits before you begin. We can help.
WHAT'S IN IT FOR YOU?
1. CAPITAL GROWTH
Benefit from the increase in the value of your property over time.
2. INCOME GENERATION
You could rent out the property for a regular income and your investment can help to pay for itself.
3. TAX ADVANTAGES
Tax minimisation and negative gearing are a few advantages you may realise from your investment.
PLANNING
USING YOUR EQUITY
You could have a lot more home equity than you think.
Equity can best be defined as how much your home is worth minus how much you owe to the bank. Use this to pay down the loan, and chances are you may have collected equity worth tens of thousands of dollars. Trouble is, a lot of home owners aren’t sure about how to access their equity. So here is where we can help.
Equity can best be defined as how much your home is worth minus how much you owe to the bank. Use this to pay down the loan, and chances are you may have collected equity worth tens of thousands of dollars. Trouble is, a lot of home owners aren’t sure about how to access their equity. So here is where we can help.
PROPERTY PITFALLS
Get real about your property prospects and avoid investor heartache.
Think carefully about why you are investing in property – what are your goals, and will a rental property help you achieve them? Some investors often purchase a property then realise they have paid far too much and get disheartened by the experience and lose faith in property investment. Your NRG Finance expert can help you pursue steps to avoid falling into this trap.
Think carefully about why you are investing in property – what are your goals, and will a rental property help you achieve them? Some investors often purchase a property then realise they have paid far too much and get disheartened by the experience and lose faith in property investment. Your NRG Finance expert can help you pursue steps to avoid falling into this trap.
8 STEP BUYING GUIDE
1 - Take a moment to consider the goals you hope to achieve by investing in property.
2 - Do the maths to be sure it can fit into your budget. 3 - Check out properties. When you’ve found a proper- ty that ticks all the boxes, ask for a copy of the contract of sale. 4. Have the contract reviewed by an expert. 5 - Arrange a pest and building report. 6 - Make an offer. 7 - The settlement process begins. 8 - Sit back and relax as your property generates returns. We can help you every step of the way.
2 - Do the maths to be sure it can fit into your budget. 3 - Check out properties. When you’ve found a proper- ty that ticks all the boxes, ask for a copy of the contract of sale. 4. Have the contract reviewed by an expert. 5 - Arrange a pest and building report. 6 - Make an offer. 7 - The settlement process begins. 8 - Sit back and relax as your property generates returns. We can help you every step of the way.
FINDING THE RIGHT PROPERTY
PICK THE RIGHT SUBURB
Your local community is like a big family – but unlike your family, you get to choose where you live and it's a choice worth thinking about.
Here’s a few things to weigh up:
Here’s a few things to weigh up:
- It fits your needs.
- Commuting won’t be a problem.
- It’s convenient.
- The suburb is likely to rise in value.
- There’s a sense of community.
- It’s safe.
- You’ve invested time in the area.
BUYING OFF THE PLAN
With a lot of construction going on, a growing number of properties are being sold off the plan. It’s a purchase option that gives buyers a range of valuable advantages. But can come with a few downsides to.
Here’s a few things to weigh up:
Here’s a few things to weigh up:
- The potential to save on price and stamp duty.
- Time to save a bigger deposit.
- Check the specs.
- Have the contract thoroughly reviewed.
- Consider your own plans.
- Go with a reputable developer.
ATTRACTING TENNANTS
It is important to develop plans that will help you attract and retain quality tenants. They will not only be your source of income but a good tenant can reduce vacancy rates, costs, maintenance and repair bills to a minimum.
Here’s a few things to consider:
Here’s a few things to consider:
- Think carefully about do-it-yourself property management.
- Keep the property in mint condition.
- Know what your target tenants wants.
- Have rental property insurance.
- Check out the property yourself.
our panel of lenders
Thousands of loans, multiple lenders.
We’ll guide you, giving you the ins and outs of each loan, so you can make a more confident decision.
We’ll guide you, giving you the ins and outs of each loan, so you can make a more confident decision.


DON'T FORGET INSURANCE
Keep your investment safe with insurance. Should you be unable to service the loan repayments through illness, injury or death, be sure you have the right insurance
cover.
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FINANCIAL CALCULATORS
Free online home loan calculators which we invite you to use.
These calculators will provide you with a solution which may assist you when considering purchasing a property.
These calculators will provide you with a solution which may assist you when considering purchasing a property.
ARE YOU READY TO TAKE THE NEXT STEP?
Our finance specialists are available to help you and answer all your questions
Book an appointment
Apply online