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What is an Investment Property Loan?

An investment property loan is designed for individuals purchasing property with the intention of generating income or capital growth. These loans often have different terms and conditions compared to owner-occupied loans, including interest-only repayment options and specific eligibility criteria.​

How Can an Investment Property Loan Be Used?

  • Purchasing Rental Properties – Acquiring residential or commercial properties to generate rental income.
  • Property Development – Financing the construction or renovation of properties for resale or rental purposes.​
  • Diversifying Investment Portfolios – Including real estate as part of a broader investment strategy.
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Strategies for New and Experienced Property Investors

  • Negative Gearing – Leveraging tax benefits when investment expenses exceed income.​
  • Capital Growth Focus – Investing in areas with strong potential for property value appreciation.​
  • Cash Flow Positive Investments – Targeting properties that generate income exceeding expenses.​
  • Loan Structuring – Optimising loan features such as interest-only periods and offset accounts to align with investment goals.​

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Email: money-bar@money-bar.com.au

Phone: 0476 291 998

Address: 547 Chapel Street, South Yarra, Victoria, 3141