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Investment Loans

A good investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you to make effective use of tax, gearing and repayments.

Some of the loan types and payment options for your investment loan include:

  • Variable rate loans
  • Fixed rate loans
  • Line of credit loans
  • Making interest only repayments
  • Paying your interest in advance

You can also make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.

The way you decide to set up your investment loan will depend on your current financial situation and your investment goals, so make sure you are clear about what you want. And you should always seek advice from your accountant and/or financial planner on how tax rules apply to you, especially if you are investing using your superannuation.

Investing in Commercial Property

If you are considering investing in commercial property, your investment loan options may differ slightly to those for residential property investment. You can read more in our commercial loans menu about investing in commercial property and property development.

Commercial Product Suite

FULL DOC 80% LVR max       Suited to clients with up-to-date financials looking for a sharp rate      Loan Size < $5M** 

LO DOC 75% LVR max           Ideal for clients with minimum financials but still rate conscious          Loan Size < $2M** 
 
NO DOC 65% LVR max           Perfect for clients with no financials or looking for a quick settlement  Loan Size < $2M** 
 
  • Interest Only Period < 7 years
  • Term 1 - 30 years
  • Servicing lease in place can be considered as full doc
  • Cash out available
  • No annual reviews
  • No ongoing fees
 
* Terms and Conditions apply to all products - please discuss scenario with us before proceeding to application. Loan applications outside of normal parameters can be considered on a case-by-case basis.
 
** Loan sizes outside of these limits can be considered on a case-by-case basis.
 

ACCEPTABLE SECURITIES

  • Commercial Offices
  • Industrial Units/Complexes
  • Retail Shops
  • Shopping Centres
  • Factory / Warehouse / Showroom
  • Medical / Professional Suites
  • Unit Blocks (4 or more)
  • Rural Residential (non-agricultural < 40 acres)
  • Workshops
  • Vacant Commercial Land
  • Motels
  • Car Yards / Car Parks
  • Caravan Parks

SECURITIES TO REFER

  • Child Care Centres (Non-Specialised)
  • Restaurants (Multi-Use Only)
  • Major Fast Food Franchise Sites
  • Reception Centres
  • Panel Beaters / Smash Repair Shops

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MFAA

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Livingstone Wealth Management Ltd ACN  141360358  Australian Credit Licence Number: 395561

  • PO Box 2977
    Weston Creek ACT 2611
  • Work: 1300-221-825
  • Fax: 1300-209-992

 

 

Nothing contained on this website should be viewed as personal financial advice. No individual's financial circumstances, needs or objectives have been taken into account in preparation of this information. Prior to making any decisions we recommend that you consult your financial adviser.

www.livingstonefinancial.com.au  Copyright © 2012  Livingstone Financial