Mortgage solutions

Your property investment portfolio has got to start somewhere, and usually that somewhere is a mortgage. Let us tailor a package to your specific situation.

Is your goal to be financially independent? Security in retirement, or building up wealth to enjoy now often involves establishing a portfolio of investment properties, from which to draw a rental income and – one day – get some capital gain.Whether you negatively gear in the short term or opt for cash-flow positive options, one thing’s for sure – you’re going to need to get the right mortgage solution for your specific investment strategy. While many lenders and mortgage brokers look at what you have now when assessing your eligibility for certain products, at The REIN Group we consider your long term plans too.We’re not trying to sell you a financial product or sign you up for banking services – our goal is to help you prosper through an effectively executed property investment plan. This involves long-term, strategic thinking as well as keeping an eye on your present reality. In order to get the most out of your future, you need to take stock of what you have now and how you can use it to your advantage.

What if I’m not ready to invest?

Property investment is not something everybody is ready for – although you never know until you get a professional assessment of your situation. If you’re not ready to take on an investment loan, we can help you prepare your finances in the short term so that you will be able to take this step in the not too distant future.In order to make sure all of your ducks are in a row, we can recommend financial and other services from our range of network partners. Working together we can create a comprehensive plan that will get you on the road to successful property investment quicker.This all-encompassing approach to your financial situation and life goals means that you can avoid nasty, unexpected speed bumps further down the road. A strategy can be put in place to reduce your outgoings and increase your chances at retiring comfortably or enjoying your rental income in the more immediate future.

Why should I talk to The REIN Group instead of a bank?

Banks are great – don’t get us wrong – but they’re limited in what they can offer. When it comes to competitive interest rates and better terms, we like to make lenders work for their money.

We will help you to compare a range of solutions from different providers (including banks) to see who can offer you the most suitable investment loan.

Aside from our vast database of lenders to select from, we also know exactly what it is you need out of your home loan. Lending for investors is something that a lot of providers offer, but because we’re helping you to develop a unique income-generating strategy, we know which products will be most suitable for your planned purchases and possible refinancing in the future.

Don’t I just need to worry about the interest rate?

The interest rate is certainly an important number when it comes to selecting an investment loan, but it’s not the only consideration. Don’t let yourself get sucked into the trap of signing onto a loan with a competitive interest rate but terrible terms. At The REIN Group we help you to assess your home loan on several factors including, but not limited to:

  • Fees and charges attached to the loan
  • Offset accounts, redraw facilities and other features
  • Amount and term of the loan
  • Repayment frequency
  • And, of course, the interest rate

By taking all of these into account, we can help you to structure an investment loan that will help your initial purchase develop into a bustling portfolio with hefty returns – it just takes a little patience and the right advice.

How important is structure when borrowing?

The right combination of the above mentioned mortgage features and other fine-print stipulations is essential to getting your property investment fortune off to the right start.

When you purchase a rental property, the aim isn’t to sit and wait for wealth to fall into your lap. You have to be proactive and use it to generate more income – make your money work for you! As such, one investment property should turn into two in due course, eventually leading to an entire investment portfolio on which you can depend for income and equity.

Other aspects of structure include the legal choices you make, such as whose name the property will go in, or if it should be in a trust. You’ll have to decide who the beneficiaries are, and try to minimise the exposure of any one particular asset. If this is starting to sound complicated, don’t worry – we’re here to help!

If you’d like to hear more about how we can help you to achieve your wealth and retirement goals, get in touch today for a no-pressure, no-obligation discussion.