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The following article was published in our article directory on February 26, 2021.
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The Features You Need to Look For in a Property Investment Loan

Article Category: Finances

Author Name: Geoff Doyle

One of the most significant aspects of property investment is picking the most advantageous home loan. But when you're making your choice you should not limit yourself to considering just the interest rate, but the other features of the loan as well. The right home loan allows you to pursue your preferred investment strategy so that you can maximize your returns.

Here are some of the features you should look for in an investment home loan.

Interest only repayments. This type of home loan allows you to repay only the interest on the debt for a given period. This reduces the size of the repayments considerably, freeing up cash that you can use for other investments.

In addition, the interest repayments are tax deductible if you are negatively geared. This means that if your repayments are more than the rent you are earning on your investment property, you can claim the difference as a deduction.

An offset account. This feature reduces the amount of interest you're paying while allowing you to save money for your investment goals and other purposes. In fact, you can use it as a bank account since you are also issued a debit card.

The way it works is that you deposit a certain amount into the account. This amount is offset against the principal of the loan on a daily basis. This means that the interest you pay is reduced . However, you can withdraw the money whenever you need to.

However, this feature is available only with variable rate loans. If you want to protect against abrupt rate hikes, you can opt for a split rate home loan. Under the terms of this loan, only a part of your loan is charged a variable rate, while only part of the principal is offset.

Line of credit facility. A line of credit provides you with access to a certain amount of credit. You can draw upon it if you need funds for renovations, repairs or other purposes. You pay interest only on the amount that you've used.

However, these loans typically charge higher interest rates. They may also have other fees related to them.

Flexibility in repayment frequency. This feature allows you to choose when you will make repayments. This is particularly important for landlords since it lets you synch your loan repayments with your rental payments.

For instance, if you collect rent on a fortnightly basis, you should also set your repayments on this cycle. This is not only more convenient, it lets you save on your home loan by repaying more often so that you pay it off more quickly.

Repayment holiday. There may be times when your rental property is vacant and does not generate income. This feature lets you temporarily pause making repayments, for a period as long as a year.

However, this feature is generally only available for those who have made extra repayments. In addition, your interest continues to accumulate during the holiday, which means that you ultimately pay more than the original loan amount.

Choosing the right home loan is essential to the success of your property investment. So make sure that you choose a loan that is advantageous to you and meets your needs.

Keywords: property investment, buyers agent, dual occupancy homes, investment property, rental property, how to invest

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