Tag: Negative Gearing
ANZ Lending Update
Effective 16 June, ANZ Bank will increase their Variable Interest Only home loan rates for both investors and owner occupiers by 30 basis points. ANZ's Standard Variable Rate for investment lending with Interest Only repayments is now 6.26% p.a.
Last of the Major 4 Banks to cap interest only loans at 80% LVR
Westpac Bank announced today the maximum LVR (loan to valuation ratio) for those seeking interest only repayments will be capped at 80%. This applies to both owner occupied and investment lending. They are last of the Major 4 Banks to cap LVRs for …
Overcapitalising – what is it and how to avoid it
As a home owner or property investor, you may have heard the term ‘overcapitalising’. But what exactly is it and why is it considered bad?
Budget changes to depreciation for investment properties
The latest federal budget has seen changes to the way property investors can claim depreciation. This will potentially cost investors thousands, although it is yet to be legislated.
Your guide to investment property loans
There are certain things to look out for when selecting and applying for a loan for your investment property. Here we look at the main differences, the most popular loan types, and how to get the best mortgage for your situation.
In whose name?
When you decide to purchase an investment property there are a couple of important things you need to do before heading off to the agent and signing the contract! It is important to have look at all your structure options with your accountant, including discussing whose name you want on the contract.
5 Investment Property Ownership Structures – Tenants in Common
There are 5 major ownership structures in which you can hold investment properties, and each one has its pro’s and con’s. Tenants in Common is another ownership structure which can be used to maximise tax advantages and capital protection.
5 Investment Property Ownership Structures – Joint Ownership
There are 5 major ownership structures in which you can hold investment properties, and each one has its pro’s and con’s. In my second article we will be looking at Joint Ownership.
Negative gearing – smart strategy or risky business?
Property is always a hot topic of conversation whether it’s on the news media or at backyard barbeques, everyone seems to be talking property prices. Fuelling the conversation is the news that property prices in Melbourne and Sydney reached new peaks last September.
5 Investment Property Ownership Structures – Individual Ownership
There are 5 major ownership structures in which you can hold investment properties, and each one has its pro’s and con’s. In this first article we will be looking at Individual Ownership.