Investment loans

Structure

Structuring borrowing is a critical element of the investment scenario. One of the biggest benefits of having an investment property is the ability to negatively gear your investment borrowing to reduce your taxable income.

We can make sure the borrowing on your home and investment property is properly represented, to maximize your tax benefits. Our financial advisors can also outline strategies to minimize non deductible borrowing, increasing the efficiency of the whole transaction,

Key Asset Management

Our taxation experts can assist with obtaining depreciation schedules, and maximizing the allowable deductions on your investment.

We also look at your future liabilities and can put in place strategies to meet commitments such as Capital Gains Tax.

As well as assisting with loans to purchase investment properties, we are specialists in helping with strategies to use equity available in properties you already own, to help you diversify your investment portfolio in the most cost and tax efficient manner.

Tax Deductions on Investment Properties

• ◊ Advertising
• ◊ Agents commission for rent collection
• ◊ Audit fees
• ◊ Bank charges
• ◊ Building and contents insurance
• ◊ Building depreciation
• ◊ Cleaning
• ◊ Council and Water rates
• ◊ Electricity and Gas
• ◊ Fixtures and fitting depreciation
• ◊ Gardening
• ◊ Interest on money borrowed to purchase the property
• ◊ Interest on money borrowed to effect repairs
• ◊ Land tax
• ◊ Stamp duty on mortgage
• ◊ Telephone
• ◊ Lease preparation expenses
• ◊ Legal expenses involved with the mortgage application
• ◊ Legal expenses in recovering arrears of rent or evicting tenant
• ◊ Mortgage discharge expenses
• ◊ Mortgage Insurance
• ◊ Mortgage registration
• ◊ Postage stamps
• ◊ Repairs (excluding structural alterations or improvements)
• ◊ Safe deposit fee to hold title documents
• ◊ Stationary
• ◊ Travel for purpose of inspection, rent collection, maintenance or repairs
• ◊ Valuation fee
• ◊ Tax return preparation

To speak to an expert Mortgage Manager about the right loan for you call 1800 24 86 86 or click here to submit a query.