Build your property plans with clarity
Whether you are considering your first investment property or the next step in your portfolio, the right loan structure can make an important difference.
We’ll help you understand your borrowing capacity, compare lending options and consider a loan structure that aligns with your circumstances, property goals and longer-term plans.
What we will help you understand
01. Loan options for your strategy
Compare loan options and features that may align with your investment approach, current circumstances and future plans.
02. Your borrowing capacity
Understand how your income, expenses, existing liabilities and proposed investment may affect the amount you can borrow, subject to lender criteria.
03. Repayment commitments
Review estimated repayments across your existing and proposed loans, so you can consider the impact on your ongoing cash flow.
04. Using available equity
If you already own property, you may be able to use available equity towards an investment purchase. We’ll explain how this could work and the additional commitments involved.
05. Loan structure and features
Features such as interest-only repayments, offset accounts and redraw facilities can affect flexibility, repayments and total interest costs. We’ll explain the relevant considerations clearly.
Important investment considerations
Understand the full commitment
An investment loan is a long-term financial commitment. Consider whether you could manage repayments if interest rates rise, rental income changes or your personal circumstances shift.
Consider the costs of buying
An investment property can involve stamp duty, legal costs, lender fees, valuation costs, insurance and ongoing property expenses. Factor relevant costs into your planning.
Look beyond rental income
Rental income is only one part of an investment-property decision. Vacancy periods, maintenance, insurance, management costs, rates and other expenses can affect your cash flow.
Seek specialist tax advice
Tax outcomes depend on your individual circumstances and can change over time. We can explain the lending side of your purchase, but recommend speaking with a qualified tax professional about any tax implications.
How Dalton Finance can help
Tailored lending recommendations
We review suitable lending options and explain how different rates, fees, features and loan structures may fit your investment plans.
Loan-structure guidance
We help you consider lending structures and features that may support your strategy, while explaining the commitments and trade-offs involved.
Equity and borrowing review
We assess your current property position, available equity and borrowing capacity to help you understand potential pathways for your next investment purchase.
Application support
If you decide to proceed, we guide you through the application process, required documentation, lender communication and settlement.