Apply Online Now
Potential borrowers who have their own businesses tradionally do not have up to date 2 years of financial statements and this provides the opportunity for "Low Doc" and "No Doc Loans" where applicants can borrow up to 80% of the value of the property being purchased.
Corporate Trustee Borrowing
Structures for Investors
Property Owners and Investors looking for advanced tax efficiency structures as well as asset protection can make use of Corporate Trustee Borrowing Structures to maximise the advantages when purchasing and investing in a portfolio of investment properties Specialist expertise to select lenders that entertain this type of borrowing structure is required as well as the type of trust deed to be put into place to satisfy legal and tax and lending requirements.
First Home Buyers
Using a range of innovative recently developed products it is now possible for First Home Buyers to borrow up to 100% of the value of the property being purchased utilising a range of possibilites such as borrowed equity, family equity, as well as gifts and using the First Home Owners Grant and possibly without the need for Loan Mortgage Insurance payable usually if a borrower borrows more than 80% of the value of the property depending on the applicants personal circumstances.
Property lnvestors need to be guided to structure their property portfolio in the correct way to take into account cash flow /affordability loan structures to maximise tax efficiencies and have a complete understanding of capital gains tax and how to understand and maximise negative gearing efficiences and related expense deductions for tax purposes.
Re-Financing Loan Structurinq &
Continual Reserve Bank rate hikes and increasing costs of consumer services e.g. Licencing, Electricity etc. puts pressure on a number of people when it comes to affordability and peace of mind about the future. Appropriate debt restructuring to minimise on tax deductable debt repayments can result in an increase of disposable income to enhance after tax disposable income and improvement in the quality of lifestyle.