ROVO Finance helps investors secure the right investment property loan — with tailored strategies, lender access, and a clear path to long-term growth.
Australia’s property market has long been a cornerstone of wealth creation. Real estate remains a solid investment for long-term returns, whether it be from apartments in the capital city or growth corridors in the regions. Utilizing a suitable investment property loan, you can extend your borrowing capacity to create a portfolio that aligns with your future.
Why Invest in Australian Property?
- Capital Growth: For instance, property prices in Australia have increased in value on average over an extended period.
- Rental Income: Steady cash flow from tenants can help offset loan repayments.
- Tax Benefits: It is possible that the investor can make a claim of deductions on interest, depreciation & expenses.
- Equity Leverage: Borrow against the equity of your current property to raise the money for your next investment.
What Is an Investment Property Loan?
- A loan used to purchase residential or commercial property for rental income or capital gain
- Can be structured as principal & interest or interest-only, depending on your strategy
- Often assessed with stricter lending criteria than owner-occupier loans
Key Features to Consider
- Loan-to-Value Ratio (LVR): Most lenders allow up to 90% LVR with LMI, or 80% without
- Interest-Only Periods: May help maximise cash flow in early years
- Offset Accounts: Reduce interest payable while keeping funds accessible
- Fixed vs Variable Rates: Choose based on your risk appetite and market outlook
Tax Considerations
- Negative Gearing: If your rental income is less than your expenses, the loss may be tax-deductible
- Depreciation: Claim deductions on building structure and eligible fixtures
- Capital Gains Tax (CGT): Applies when you sell
How ROVO Finance Can Help?
- Compare investment property loan options across multiple lenders
- Structure your loan for maximum flexibility and tax efficiency
- Support with pre-approval, equity release, and portfolio expansion
Would you like to move ahead? Check out ROVO Finance investment property loan choices and begin growing your property portfolio securely:
Disclaimer: The information shared here is broadly general and must not be seen as financial, legal, or tax advice. It is best that you consult with independent, duly-qualified professionals before you decide to invest or take a loan.
FAQs
An investment property loan refers to the financing of residential or commercial real estate that is aimed at providing rental income or capital growth. It may be set up as a principal and interest or interest only loan depending on the investor's decision. Banks may impose tougher standards than those for owner-occupied loans in order to determine the borrowing capacity and risk.
An investment property loan can give an investor the power to use their available equity, get tax benefits, and earn rental income. It can be the means of building a property portfolio that is in line with the investor's financial goals in the long run. The rise in property value and steady rental returns may become a source of wealth creation over time.
ROVO Finance enables investors to evaluate loan options from several lenders, pick the most reasonable rates, and organize loans for the convenience and tax efficiency. Besides that, the team is always ready to assist with pre-approval, equity release, and property portfolio growth strategies while keeping the focus on long-term growth.
