If you're planning on buying a property for investment purposes, there are a whole host of things to consider before making your purchase.

Of course, the most obvious is where to buy – which area will provide the best return on your investment?

Then there is the decision to make about what kind of dwelling to purchase. Whether you choose to establish a rental income or profit from selling your property later at a higher price, you'll still need to decide on a house, a unit, an apartment, or one of the myriad dwelling types.

However, that is only the first part of the journey. The second half is just as important!

Investment finance

We're talking of course about property investment loans and how you choose to structure your investment finance.

Getting the right home loan for your unique property investment needs could make all the difference both in the short and the long term.

That doesn’t just mean finding the mortgage product with the most favourable interest rate; it means looking at the loan structure as a whole and finding the best match for your needs.

A comprehensive investment loan comparison should take into account interest rates, loan features, the repayment structure, access to cashflow and the many other aspects of a mortgage product that don't make it to the advertising campaigns.


As a property investor, taxes will also play a big part of your financial strategy.

You'll need to pay stamp duty tax on any property purchase and capital gains tax on properties sold on for a profit.

There are ways to make taxes work to your benefit however, such as positioning your investment so that it takes advantage of negative gearing.

If you're unsure how to position yourself with respect to taxes when planning investment, mortgage brokers can help you to understand this sometimes complex area.

You can contact a Smartline Mortgage Adviser on 13 14 97 for home loan advice. Or complete our call request form and we’ll call you!

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DISCLAIMER: The information contained in this article is correct at the time of publishing and is subject to change. It is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, Smartline recommends that you consider whether it is appropriate for your circumstances. Smartline recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.