Investment Loans

BUYING AN INVESTMENT PROPERTY

Buying an investment property is one of Australia’s favourite ways to save for the future, but it’s also a massive financial decision. Jim’s can help you with all ins and outs of getting that next house or apartment, like how much you can borrow, stamp duty and negative gearing.  Your property is going to be a long-term investment in your future, so remember to plan accordingly. Let Jim’s help you towards financial independence.

SMSF-LOAN

SMSF stands for ‘Self-Managed Super-Fund’. An SMSF loan is designed for people who want to invest their superannuation into property. In other words, an SMSF Loan is an investment-property loan.

Property can be a comparatively low-risk way to grow your personal assets. By using the money tied up in your super alongside an SMSF loan, you could buy that investment property you’ve been wanting.

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If you require any more information, don't hesitate, call us on 1300 799 010/131 546 or request a free enquiry!

Some things to think about...

LOCATION

Where are you buying? Does the area have good potential? Is it near public transport? Does the area have good facilities, or do you have to drive 15 minutes to get to the only supermarket?

PRICE

Is the place a good deal? How much are similar properties in the area going for? What else would you need to do to it before you can rent it out? Are the gutters falling off?

FINANCING

What money are you going to use to buy the place? Do you have existing assets that you could leverage? Are you going to take out a second mortgage? Your Jim’s Mortgage Professional will help you understand all your options.

MANAGEMENT

The place won’t just look after itself. Who is going to take care of things if something needs to be fixed? Do you really want that 4am call from an angry tenant saying their ceiling is leaking, or would you rather get a manager to act as agent? Some people are great at DIY, some aren’t, so make sure you understand where your strengths and weaknesses lie.

TENANTS

What kind of people do you want to attract? Students? Families? Professionals? The answer to that question might give you a guide of the kind of standards the place will need to meet. How much can you reasonably expect for the place?

TENANTS

What kind of people do you want to attract? Students? Families? Professionals? The answer to that question might give you a guide of the kind of standards the place will need to meet. How much can you reasonably expect for the place?

Some things to think about...

LOCATION

Where are you buying? Does the area have good potential? Is it near public transport? Does the area have good facilities, or do you have to drive 15 minutes to get to the only supermarket?

PRICE

Is the place a good deal? How much are similar properties in the area going for? What else would you need to do to it before you can rent it out? Are the gutters falling off?

FINANCING

What money are you going to use to buy the place? Do you have existing assets that you could leverage? Are you going to take out a second mortgage? Your Jim’s Mortgage Professional will help you understand all your options.

MANAGEMENT

The place won’t just look after itself. Who is going to take care of things if something needs to be fixed? Do you really want that 4am call from an angry tenant saying their ceiling is leaking, or would you rather get a manager to act as agent? Some people are great at DIY, some aren’t, so make sure you understand where your strengths and weaknesses lie.

TENANTS

What kind of people do you want to attract? Students? Families? Professionals? The answer to that question might give you a guide of the kind of standards the place will need to meet. How much can you reasonably expect for the place?

TENANTS

What kind of people do you want to attract? Students? Families? Professionals? The answer to that question might give you a guide of the kind of standards the place will need to meet. How much can you reasonably expect for the place?

Other useful things to help you:

FIRST STEPS TO START

All lenders must decide on a number of factors before agreeing to loan you money to buy a home. A Jim’s mortgage professional needs to be your first contact point so we can guide you in the right direction.

CALCULATOR

Our mortgage calculator will provide you with an indicative quote on purchasing a property.  For a more accurate quotation, call Jim’s Financial Services on 1300 799 010 to speak to mortgage specialist.

FAQ’s

There are so many ways to structure finance for your owner occupier property or investment property.  We are all about strategy and we will assist in providing the best advice that suits you now and into your future.