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Compare Investment Home Loans and SMSF Loans
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Compare Investment Home Loans and SMSF Loans
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Unless you are very wealthy and are paying for your investment property in cash, chances are, like most investors, you will have to borrow to invest. When investors negotiate with lenders, the most instinctive desire is to get a good deal, which will involve comparing the features of different loans such as interest rates, fees and charges, etc. Alternatively, some investors may engage the services of mortgage brokers, who could do some of that hard work. Regardless of the approach you choose, your effort could go to waste if the financing arrangement trips over the tax rules, which may inadvertently give you a tax problem.
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Whether you’re looking to refinance your current investment loan or grow your investment property portfolio, it would be wise to consider a non-bank lender.
This article is sponsored by loans.com.au
Many investors wonder if they should negatively or positively gear their properties. But before you can decide, what’s the difference between the two?
YourInvestmentPropertyMag.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.
For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.
At YourInvestmentPropertyMag.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.
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We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.
Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.
Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.
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For home loans, the base criteria include a $400,000 loan amount over 30 years. These rates are only examples and may not include all fees and charges.
*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.
Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.
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Learn more about how we manage conflicts of interest.
The information provided by YourInvestmentPropertyMag.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.
Rates and product information should be confirmed with the relevant credit provider. For more information, read YourInvestmentPropertyMag.com.au’s Financial Services and Credit Guide (FSCG).