Investment Home Loans Shepparton

PFP Wealth Group are authorised loan specialists, focusing on investment home loans Shepparton. Our office located in Stewart St, Shepparton VIC 3630, is central for many people in and around Shepparton, Mooroopna and other areas of Victoria.

Because we are also licensed financial planners, the majority of our Shepparton clients have some form of investments that usually includes an investment loan. Just like a home loan, there are plenty of options when choosing the right investment loan for you. It is probably more important to get this type of loan right from the start because there could be tax implications or costly bank fees if you get it wrong.

Speaking to a team of professionals like PFP Wealth Group Shepparton will put you in the right position with your loan and how it suits your financial position best. Whilst fees and interest rates are very important, there are more important aspects to an investment loan to consider, such as loan terms.  These terms are usually more important than the rate because if you get this wrong it can lead to an unaffordable loan that you just can’t maintain, which could lead to you having to sell the property because you can’t afford it any longer. A thorough discussion about your expectations and future requirements needs to be had to make sure you get this right. Contact our Shepparton team to start the discussion and get the ball rolling on purchasing your investment property.

Investment Home Loans Shepparton – Making the right Financial Decisions.

Investment home loans Shepparton

The Benefits of Investment Home Loans Shepparton.

Buying an investment property can be an excellent financial decision, however you will need to secure the right out of investment loan. There are multiple mortgage calculators that you can have a look at to get an idea, however we will guide you in the right direction. Buying an investment property can be an excellent income earner and you are able to take advantage of tax benefits like negative gearing. If you are looking to buy an investment property speak to the investment home loan specialists in Shepparton. We will guide you through the process and choose the right loan for your financial situation.

Why purchase an investment property?

Often people look to buy investment properties to help secure their financial future. The investment is a tangible asset that can be leased and an income earned off the property. There are many tax benefits to owning investment property such as tax deductions. When you purchase property for an investment you can also potentially use the losses that arise from negative gearing as a tax deduction. Negative gearing is where the income from the investment is less than the expense, and this is what enable you to claim the deduction.

There is a lot of potential for long term returns as the value of the property increases over time. Owners can then use the equity in the property to purchase another investment and so on. Positive gearing is a long term goal which means that the income from the property is greater than the expenses and it can provide you with a very nice extra income.

Investment Home Loans Shepparton – Key benefits to buying investment property

There are multiple benefits to buying investment properties as mentioned above, but lets go into more detail. This will help you to decide if moving forward with investment home loans Shepparton and purchasing your new investment property. Having the team at PFP Wealth will help you get the right loan and guide you through the entire process from start to finish.

Capital Growth

Capital growth refers to the appreciation of the value of an asset over a period of time, which increases the owner’s personal wealth. When the investment property grows in value, the investor can then utilise the equity for personal use, like investing in another investment property.

Rental Income

Earning a solid rental income from your investment property is vital. Finding a property with high rental yields is very important. This income stream will help you to pay the mortgage repayments.

If the rental income does not cover all costs for your investment property and you have to pay out of your pocket, this is when the property is negatively geared.

What is Rental yield? Rental yield is the cash return (income) that you receive from leasing your investment property to a tenant. It is displayed as a percentage and can show gross or net yield.

Tax Benefits

Property expenses can be tax deductible, such as advertising to find tenants, fees paid on your investment loan and other maintenance costs. Investors can invest in property for tax benefits such as depreciation claims and can claim some depreciation on their taxable income such as the depreciation of the building and items that are considered plant and equipment, including hot water systems, air-conditionings units and curtains.

Tax benefits should not be the only factor for buying an investment property, as you may end up under performing.

Frequently asked questions.

In short, nothing for most of our lending options. As a mortgage broker, PFP Lending receives commissions from the bank for any loans that we settle. Therefore, the cost to you is nil. If you went directly to the bank, the bank would pay its staff for getting you a loan, when we do a loan for you the bank simply pays us instead.

For specialised lending like SMSF loans and debt consolidation there may be a fee payable after formal approval, however we will advise you of any fees applicable before you proceed with any finance.

Yes, we hold an Australian Credit Licence, no 378618, and we are a full member of the Mortgage Finance Association of Australia (MFAA). To achieve this level of accreditation the MFAA requires the following:
•    Membership of CIO or the External Dispute Resolution (EDR) Scheme
•    Professional Indemnity (PI) Insurance
•    A certified clean National Criminal History Record
•    A Certificate IV Finance and Mortgage Broking FNS40811 or FNS40810
•    A Diploma Finance and Mortgage Broking Management FNS50504 / FNS50311
•    30 hours of continuing professional development per year.

Yes, we have access to around 35 lenders. These lenders comprise of both the big 4 banks, regional banks, non-bank lenders and building societies, as well as several second-tier lenders.

Firstly, we need to establish your personal & financial circumstances and your loan requirements. Once we have this information, we will then use our in-house software to produce a shortlist of several suitable loans and lenders. You will then be advised on the pros and cons of each option, with the final decision being made by you.

No, PFP Lending is privately owned with no affiliation to any lender.

We handle your personal information in accordance with the Australian Federal Privacy Act 2001as well as the Trade Practices Act, ASIC Act, the Fair Trading Act and the NCCP.

Investment Home Loans Shepparton- Let us Personalise your Financial Solution.

When you have made up your mind and wish to purchase an investment property, speak to our team of investment loans Shepparton specialists.

As a mortgage broking company, PFP Lending has access to over 35 different lenders to find the best loan that suits your needs. When you come to us for help arranging your finances and you are ready to purchase your investment property, you can be assured that we will access your full financial needs and recommend a lender that best fits your specific circumstances. Our Shepparton team of professional investment home loan advisors will work with you through the entire lending process, making sure that you get the best deal for your financial situation.

Contact us today.

Investment Home Loans Shepparton, Victoria.

PFP Wealth Group Shepparton cover the greater Shepparton region, giving expert financial, loan and tax advice. Whatever you need financially, we are here to help. Invest in your Future Today.

Cosgrove South
Dookie College

Girgarre East
Katandra West
Kialla East
Kialla West
Kyabram South

Major Plains
Mooroopna North
Mooroopna North West
Mount Major
Murchison East
Murchison North
Pine Lodge

Shepparton East
Shepparton North
St Germains
Tamleugh North
Tatura East
Toolamba West