inovayt

Property Investment

At Inovayt, we help you through every step of your property investment journey. Our team has a wealth of knowledge when it comes to property investing, which allows us to confidently find you the best outcome that matches your financial goals.

Should I invest in property?

One of the most important things to note is that purchasing an investment property is significantly different from buying a home to live in. An investment property should also assist you in reaching your long-term financial goals. Our Inovayt Finance team is here to provide property investment advice and guide you through the process.

Building your portfolio

Building a property investment portfolio can be complicated and time-consuming. You need a well-informed strategy to build your investment portfolio correctly and avoid unnecessary costs. We can help you determine the strength of your borrowing capacity by completing a pre-assessment that evaluates your current financial circumstances and the correct type of loan to suit your property investment strategy.

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Earning a return

One of the main reasons people invest is so they can see a return. Property investing offers two basic ways to get a return on your investment property. The first is capital growth, where you sell a property for more than you paid. Rental return is the second option, with a more immediate return from a rental income. Download our investing in property guide to learn more.

Increasing your borrowing capacity

Building a property portfolio can often be complicated with the ever-changing lending landscape since most borrowers reach their maximum borrowing capacity after purchasing a few properties. Our expert team works with you to implement an investment strategy and increase your borrowing power.

Why should I use a broker?

Many find it tempting to build their investment portfolio on their own. However, having a mortgage broker on your side has many benefits. These include: Offering a wealth of information and expertise for you to draw on. Aiming to make the whole application and approval process much easier. Identifying your needs, personal goals and investment goals. Being on your side. Our priority is you, and we want you to succeed.

Frequently Asked Questions

Can I expand my investment portfolio using property equity?

In short – yes you can. However, when it comes to building a staple of properties, people cap out because of their income level vs the debt level. Each property acquisition makes it more challenging to get the next property as you’re accumulating more debt. Our team of experts work with you to develop an investment property strategy that will allow you to build your property portfolio without being capped out.

How should I structure my loans when building a property portfolio? Should they all be with one lender?

When investing in property, going through the same lender for your loans might seem logical. However, it might not be the best option for you. Borrowing from the same lender for multiple properties may mean you’re entitled to an additional interest rate discount from that lender as you are borrowing more money in total. That makes you a more attractive proposition for that lender. On the flip side, borrowing from a different lender minimises your risk. If something goes wrong with one property, you can sell another one quickly, and pay off the loan relating to that property without it compromising your other loans. An Inovayt Finance professional will find the best loan structure for your expanding portfolio.

Should I buy a positive or negatively geared investment property?

Again, this will depend on your financial goals which our expert team can assist with. When it comes to positive and negative gearing, it’s crucial you have a solid understanding of each. Negative gearing is a tax benefit you can claim if your borrowing costs are higher than the money you’ve made from an investment property. These losses can be claimed against your total income and increase your tax return and the income on your investment. Positive gearing, on the other hand, refers to when the income from your investment property exceeds the cost of owning the property. It takes into account your loan repayments, interest and all other out of pocket expenses, like rates, water and maintenance costs. Speak to one of our finance professionals to find the strategy that best suits you.

Find an Inovayt Finance broker near you

Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.
Our team of expert brokers are with you through every step of the way on your home buying journey. Not only do we help you find the right loan, we also stay with you right up until after settlement, helping you navigate stamp duty and other home buying fees.

Find an Inovayt Finance broker near you

Our experienced and friendly team can provide you with lifetime financial solutions by understanding your individual needs and goals.

Get in touch
1300 354 355

Send us an email info@inovayt.com.au

Start your journey, contact Inovayt today

Get in touch
1300 354 355


Send us an email
info@inovayt.com.au

Looking to invest in property? Contact Inovayt today

Start your journey, contact Inovayt today