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.

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.

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.



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:
  1. It fits your needs.
  2. Commuting won’t be a problem.
  3. It’s convenient.
  4. The suburb is likely to rise in value.
  5. There’s a sense of community.
  6. It’s safe.
  7. 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:
  1. The potential to save on price and stamp duty.
  2. Time to save a bigger deposit.
  3. Check the specs.
  4. Have the contract thoroughly reviewed.
  5. Consider your own plans.
  6. 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:
  1. Think carefully about do-it-yourself property management.
  2. Keep the property in mint condition.
  3. Know what your target tenants wants.
  4. Have rental property insurance.
  5. 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.

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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.

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Property Fees

Estimate how much stamp duty and extra fees you might need to pay for a property.

Calculate
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Borrowing Power

Calculate how much you can borrow based on your income, assets and financial commitments.

Calculate
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Repayments

How much will your repayments be? How much can you save with extra repayments?

Calculate

ARE YOU READY TO TAKE THE NEXT STEP?

Our finance specialists are available to help you and answer all your questions

Book an appointment
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