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Ownership structure

The Importance of Ownership Structure When It Comes to Investing

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When it comes to investing in property, there is a lot of information readily available around what kind of property will give you the best return and how to choose the right loan. However, there’s very little information or discussion around ownership or loan structure even though it’s fundamental for property investors to consider these structures carefully. Remember, your decisions will not only impact you now but into the future. What should I consider when it comes to ownership structure?   Asset protection An important consideration when determining ownership structure is asset protection. If you have an owner-occupied property and … Read more

children and your finances

5 things You Should Know About Children and Your Finances

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Without a doubt, starting a family is one of the biggest decisions mentally, emotionally and financially you’ll ever have to make. From pre-baby costs such as medical care, baby furniture and cute clothes to everything that comes after, from nappies to nannies, there are countless things to consider when it comes to children and your finances. Before you jump on the baby bandwagon, it’s time to get your finances sorted to set you and your family up for what’s to come. Read on for five things you should know about children and your finances. Consider all costs and create a … Read more

Loans with one lender

Should All of Your Loans be With One Lender?

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There are so many things to consider when you’re looking for an investment property. Are you going to buy a residential or commercial property? What suburb will you invest in? Do you have enough equity in your home to use when buying the place? What you may not think about is whether all of your loans should be with one lender. There are pros and cons to having your loans with one lender or choosing a different lender altogether. We’ll look at both of these below and help you make an informed financial decision when choosing your perfect investment property. … Read more

Capital Gains Tax

Selling Your Property at the Right Time: Everything You Need to Know About Capital Gains Tax

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The ‘right’ time to sell your investment property really depends on your situation. Are you property flipping? Retiring? How about consolidating your debt? When it comes to property investment, it’s essential that you conduct your research at every stage of the journey. First time investors should be across the basics of capital gains tax to put together a long-term strategy in line with their objectives. In this blog, we look at the basics of capital gains, your motive for selling and potential exemptions and ways to reduce your capital gains tax. Capital gains 101 Put simply, capital gains are the … Read more

Equity to invest

How to Use Your Equity to Invest

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When you think back to saving up for your first home, you probably groan internally at how long it took you to save up your deposit. Because of this, it comes as no surprise that the thought of saving up for another property, while also servicing your current loan, feels downright impossible. But did you know that you may be able to use the equity in your home to invest in your next property? Apart from using equity to make another investment, you may also be able to use equity for home renovations, share portfolios, personal loans and more. Read … Read more

Cryptocurrency

What is Cryptocurrency and Should I Invest in it?

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Most of us have heard of cryptocurrency and currencies such as Bitcoin and Ethereum, but to many people, the ins and outs of crypto remain a mystery. To make it more difficult, there are many myths surrounding cryptocurrency which make people hesitant to invest. In this blog, we look at what cryptocurrency is, how it works and debunk some of the myths surrounding it. The basics of cryptocurrency Okay, so you’ve heard of cryptocurrency or crypto but what is it? Crypto is a digital or virtual payment form created by code that can be exchanged for goods or services. It … Read more

Investment Loans Be Interest Only

Should All Investment Loans Be Interest Only?

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If you’re an aspiring investor you are likely knee-deep in research. There are many variables you need to consider, from choosing the best suburb, the type of property and even the type of loan. When it comes to securing an investment loan, you likely have the option to choose between a principal and interest loan or an interest only investment loan, the latter being a common choice for investors. In this blog, we explore the difference between each type of loan and the role they play within your long-term investment strategy. What is the difference between a principal & interest … Read more

Property Portfolio

Things to Consider When Building a Property Portfolio

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If you’re a budding investor looking to build a property portfolio, welcome to the club. Australians have a long-found infinity with building wealth through property. Building a property portfolio is a long game and the key to building your portfolio is ensuring you have a clear strategy from the outset. We know we say this a lot, but have a strategy in mind When it comes to property investing, it can be challenging to begin with the end in mind as there are so many factors and unpredictability involved when it comes to suburbs and areas. What you can do … Read more

property cycle

Investment Properties and the Property Cycle

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Within the real estate market, a 4-stage property cycle exists in which it is possible to make predictions of where the housing market will be over the coming years. Developing a solid understanding of how property cycles work will assist any budding investor when they are looking to purchase an investment property. In this blog, we unpack the stages of the property cycle, what each stage involves and what the property cycle means for budding investors. Breaking down the property cycle Property Buyer defines the property cycle as, “a series of events that repeat themselves over time that affect the … Read more

Cross Securitisation vs Stand Alone Securities

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When it comes to cross securitisation (or cross collateralisation) vs stand-alone securities, borrowers are often unsure which is better suited when considering their lending structure for property investment. While each type of loan has advantages and disadvantages, it is important to get a better understanding of each before diving in and making that choice. In this blog, we will look at cross securitisation vs stand-alone securities and what they both have on offer. What is cross securitisation? Although the name might sound like it refers to something extremely complex, Inovayt Finance Broker, Justin Coughlin simplifies cross-securitisation (also known as cross-collateralisation) … Read more

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