Investment Loans

Finances 4U helps North Brisbane investors borrow to buy, hold and grow property. We compare loans from more than 25 lenders, set up structures that manage risk and cash flow, and work alongside your accountant. We arrange the finance. We are not tax or financial advisers, so we keep your accountant in the loop on the tax side.

What you get

• A competitive rate with no hidden fees

• A structure built around your goals, not just the cheapest headline rate

• Interest-only, principal and interest, fixed, variable or split, as suits your plan

• Tax-effective options, set up in step with your accountant

• One finance specialist across your whole portfolio

Interest-only loans

During an interest-only period you pay only the interest, which lowers your repayments and can free up cash flow to hold more property. For an investment loan the interest may be tax-deductible while the principal is not, though that depends on your circumstances and is a question for your accountant. Interest-only is a useful tool, not free money: the balance does not reduce, and repayments step up when the interest-only period ends. We model both so you can see the full picture before you commit.

Line of credit and equity release

If you have built up equity, a line of credit lets you draw on it as you need, much like a large facility secured against your property, for the next deposit, a renovation or repairs. It is flexible and powerful, and easy to misuse, so we set it up with sensible limits and a clear purpose.

Structuring across multiple properties

As your portfolio grows, how your loans are structured matters as much as the rate. Cross-collateralisation versus separate facilities, and holding property in personal names versus a trust or an SMSF, each carries consequences for risk, tax and your ability to borrow again. We help you and your accountant pick a structure that keeps your options open.

How it works

1. Have a chat. Tell us your goals, your numbers and what you already own.

2. We structure it properly. We compare lenders and set up the loan and structure around your cash flow and your accountant's advice.

3. We handle the application. Paperwork and lender follow-ups, through to settlement.

4. We grow with you. We review and refinance as your portfolio and the market move.

What you'll need to get started

• Photo ID

• Income evidence (payslips or returns)

• Details of any properties and loans you already hold

• A sense of your investment goals

FAQ

• Can I use the equity in my home to invest? Often, yes. If you have enough equity, you can borrow against it for a deposit on an investment property without touching your savings. We show you how much you could access and what it means for your repayments.

• Is interest on an investment loan tax-deductible? Generally the interest on a loan used to buy an income-producing investment may be deductible, while the principal is not. Your specific position depends on your circumstances, so confirm the treatment with your accountant. We arrange the loan, not the tax advice.

• Interest-only or principal and interest for an investment property? It depends on your goals and cash flow. Interest-only can improve short-term cash flow and is common among investors, while principal and interest builds equity faster. We model both for you.

• How many investment properties can I finance? There is no fixed limit. It comes down to your income, equity, existing commitments and how your loans are structured. Good structure is what keeps you borrowable as you grow.

• Do you give financial or tax advice? No. We are finance and mortgage brokers, so we arrange and structure the lending. For tax and investment strategy we work alongside your accountant or adviser.