Investment Loans.
Looking to begin your journey to grow your wealth through property investment?
Look no further than Capitol Home Loans! We specialise in making this adventure not only stress-free but also downright enjoyable. Leave all the complexities of investment loans to us, freeing you up to focus entirely on confidently and peacefully expanding your investment portfolio. Trust us with the financing while you keep your eyes firmly set on realising your investment goals!
Download your FREE
’Could you get a better rate’ Factsheet!
Regularly staying on top of your interest rate is important, as it can mean hundreds or even thousands of dollars in savings.
This is also critical for ensuring your return on investment margins are strong and maintained.
Download our ‘Could you be getting a better Investment Rate’ Fact sheet for hints and tips on how you can achieve a more competitive rate.
Investment Strategies
Rentvesting
The freedom of renting meets the stability of owning. ‘Rentvesting’ is a popular strategy for first time investors. Basically, you’re investing while you rent. Stay in the suburb you want, while owning an investment somewhere else.
Use your home to buy another
If you already have a home, you can use its equity to top up your deposit. Don’t forget, equity is not free money. When you access your equity your loan balance will increase and so will your repayments.
Positive and negative gearing
What’s the difference between the two, and which is right for your investment property?
Positive gearing is when your total rental income is MORE than the cost of owning and managing the investment property (loan repayments, interest, maintenance, management fees, etc). To put it simply, your property props up finances.
Negative gearing is the opposite. It’s when your total rental income is LESS than the cost of owning and managing the investment property, leaving you to make up the difference in payments.
Positive gearing allows you to have an increased income and generally won’t put you out of pocket. However, you will be taxed on any additional cash from your investment.
With negative gearing you can claim tax deductions on expenses related to owning your investment property. The capital growth on the property will also eventually outweigh the expenses as the property grows in value overtime.
Like the names suggest, there are pros and cons for both situations, so it’s important to get the right advice on which one is better suited to you.
About Josie - Our Principal Broker
Since relocating to ACT in 2016, Josie has truly has fallen in love with Canberra and is proud to now call the bush capital her home. After a rewarding yet turbulent stint in politics, Josie decided to pursue her enthusiasm for real estate, venturing into the realm of mortgage broking. Her passion for property and finance was ignited early on, influenced by her parents' career as mortgage brokers. Having experienced buying and selling properties in Canberra & Yass firsthand, Josie grasps the significance of having a dedicated mortgage broker who will wholeheartedly assist you throughout the entire process. She is committed to delivering invaluable support to anyone seeking guidance on their home loan journey.
Contact us.
Phone
0478 133 963
02 6170 3616
josie@capitolhomeloans.com.au