- About Us
- Why Invest in Property
It’s not only the right finance but more importantly the right finance structure that is crucial when buying an investment property. That is why using Future Financial Strategies investment services is extremely important when setting up your new investment property purchase. The problem dealing with banks is that they can only ever offer you limited products & options which aren’t suitable when increasing your portfolio.
Say you have a $300,000 mortgage against a $600,000 home. You purchase a new investment property for $370,000 & need to borrow the additional costs. If you dealt with your existing bank or a general mortgage broker they would simply give you a $400,000 loan & cross securities both your own home & the new investment. The downside is that this structure doesn’t effectively mitigate against the risk of increasing you debt to purchase a new property. If things don’t go as planned & you can’t keep the repayments up on all loans the bank will come in & sell up both properties because they are linked. Also, because you have a tenant in your investment property the first property to sell is more likely the home you live in.
Our proven investment program provides substantially higher levels of security to you & your family still allowing you to borrow 100% plus the associated costs of the purchase. We incorporate our risk reduction strategy with the debt reduction plan by utilising cash flows & an offset loan facility to reduce your own homes debt down faster. We use the tax man & the tenant to pay the majority of the outgoing expenses & double up with the advantages by using the rental income effectively in our debt reduction strategy.
What we also do is create a firewall between each property so that any 1 bank doesn’t have access to more than 1 of your properties.
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