Investment Loans

Property or share equities are great long term investments and a way to accumulate wealth.

A property portfolio can provide healthy long term capital gains and an income stream (from rent) to add to your retirement income.

In addition, there are significant tax minimisation benefits for those earning higher incomes who would like to negatively gear.

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Line Of Credit Loan

A Line of Credit is an ongoing source of low cost finance that is secured against the equity that you have in your home. It is similar to an overdraft facility in that funds can be withdrawn up to a certain limit with no principal repayment deadlines.

Lines of credit are generally used for investment purposes; i.e. as equity for an additional property investment or for investment in shares or managed funds.

Pros

You can use the funds as and when they are required and only pay interest on the outstanding balance.

Cons

You need to be budget conscious to operate this type of loan. If you are unable to budget or have a tendency to spend any money available then this may not be the loan for you.

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Interest In Advance Loan

Traditionally taken out at the end of the financial year, these are fixed rate loans that allow the customer to pay all their interest for the next financial year in advance. This allows them to claim any available tax deduction in the current financial year. As the tax deduction is the only reason for paying interest in advance they are therefore provided only on investment loans.

Pros

Tax effective
Discount provided on interest rate because of pre-payment

Cons

Talk to your financial planner to see if this is an effective strategy for you
Professional Packages
Many lenders provide interest rate and /or fee discounts for customers they describe as "professional". Some lenders use income as the determinant whilst others use the amount the client is borrowing. Whatever the case these products can provide customers with up to 0.7% off the standard rates as well as providing other benefits to do with credit cards or insurance etc.

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