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Ownership structure

The Importance of Ownership Structure When It Comes to Investing

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

Capital Gains Tax

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

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

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

Property Portfolio

Things to Consider When Building a Property Portfolio

If you’re a budding investor looking to build a property portfolio, welcome to the club. Australians have a long-found affinity 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

Cross Securitisation vs Stand Alone Securities

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

Apartment Investing

Apartment Investing – Is it a good idea?

Interest rates are low at the moment and the housing market is booming. Because of this, you may be thinking: Is it the right time to buy? What suburbs are set for big capital growth? And are apartments a good investment? The great debate (in our opinion) of buying a house as an investment versus buying an apartment as an investment has been an ongoing struggle for some time. While buying property should never be a rash decision, if you are financially ready, it may be a good time to look into purchasing an investment property as interest rates are … Read more

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