04 Investing
Investment property lending
Structuring the second loan so the first one is not quietly compromised.
Investment lending is less about the property than about the structure behind it: whether you cross-secure or keep the loans standing on their own, how a lender treats rental income and your existing commitments, and what your accountant needs the split to look like at tax time. We work alongside your accountant rather than around them, and we get the structure agreed before anything is lodged, because unpicking it afterwards is expensive.
What is included
- Servicing assessment including projected rental income
- Cross-security versus standalone structure compared in writing
- Split and offset set-up for clean tax record keeping
- Coordination with your accountant before lodgement
No fee to you
No fee to you for residential investment lending. The lender pays the commission and we disclose it against every option we put in front of you.
Book a structure sessionor call (02) 5550 0020
02How it runs
4 steps, in this order
Typical first appointment: 60 min structure session. You are told which step we are on, without having to ask.
- 01 Map your existing loans and your equity position
- 02 Agree a structure with you and your accountant
- 03 Compare lenders on rental income and commitment policy
- 04 Lodge and manage the application through to settlement
03Asked often
Before you ring
If your question is not here, it is probably on the FAQ page, and if it is not there either, ring and ask.
Should we use the equity in our home?
You can, and plenty of people do. What matters is whether the two loans stay separate. Cross-securing ties your home to the investment and makes selling either one harder later, which is a cost that does not show up in any comparison table.
How do lenders treat rental income?
Most count a portion of it rather than all of it, and the portion differs between lenders. That single policy difference is often what decides which lender can do the deal at all.
Do you talk to my accountant?
Gladly, and we would rather do it before lodgement than after. Getting the split and the offset right up front saves a lot of unpicking at tax time.
What people usually pair this with
10The first chat
Start with the first chat
Sixty to ninety minutes, at your table or ours, evenings available. Nothing to pay and nothing committed. Long enough for us to tell you what is actually possible and whether we are the right fit.
What to bring
- Recent pay slips, for both of you if you are buying together
- Three months of bank and credit card statements
- Photo identification
- A rough idea of what you already owe
- Two years of financials and tax returns, if you are self-employed
Or skip the form
(02) 5550 0020- Mon to Wed 8:30am to 5:30pm
- Thu 8:30am to 7:00pm
- Fri 8:30am to 4:00pm
- Sat 9:00am to 12:00pm, by appointment
- Sun Closed
Evening and weekend appointments are normal in this trade. Leave a message on the office line or text Marty on 0491 570 156 and you will hear back the same day.
Thanks, that is everything we need
Demonstration only. Nothing was sent and nothing was stored. On a live site this would reach hello@junctionhomeloans.com.au and a booking would be confirmed by phone.