Investing in property

Property investment is one of Australia's most favourite investment choices. Whether you are looking to buy and renovate for a quick profit or to buy and hold for long term gains, you will be embarking upon an exciting journey which many other Australians have travelled. Buying an investment property is a major milestone and making the right investment choice not only involves finding the right property but also choosing the right loan from the best lender, which together, can help form the foundation on which to build assets for life.

Vision's Finance Partners compare loans from Australia's largest selection of lenders and aim to grow with you during your property investment journey, making it faster and easier to secure your dream home.

Your Journey

When you first meet your Vision Finance Partner, you'll be asked a number of questions about your goals and financial aspirations; as well as questions about your financial position. It's best to bring as much information as possible to the first meeting which, if possible, should include copies of pay slips as proof of income, bank statements as proof of savings, your tax file number, your drivers licence and latest tax returns. In particular, any documentation which you have available on your current home loan, such as the statements and the original loan contract will be invaluable.

Your Finance Partner will help you choose an option best suited to your requirements and will look at things like monthly repayments, interest rates, your current loan structure, value added features such as redraw facilities and how much you can borrow from each lender. Once the best possible fit has been found, your Finance Partner will prepare the necessary forms for approval by the lender and will guide you step by step through the remaining process.

Lending Pre-Approval

If you haven't found the perfect home, your Finance Partner can arrange pre-approval giving you the peace of mind of knowing exactly how much you can borrow. In such a competitive housing market, this will give you a head start on other purchasers and can even broaden your options to attend auctions.

Finding the right property

If you need assistance with finding the right property, your Finance Partner can assist by referring you to either Real Estate Agents or Buyers Agents, people who we have worked with before and who have a reputation for helping people to maximise their returns on property investment.

Your investment team

Your Finance Partner will also work with you to make sure that you are obtaining the best possible advice on your investment. Your accountant, solicitor and financial planner can be instrumental in helping you to establish the most cost effective structure for your new investment.

Did you know that you can apply to have your weekly PAYG withholding tax reduced in certain circumstances? This means that every week you will pay less tax and have better cashflow. Talk to your Finance Partner about your options, they will then work with you and the rest of your investment team to help you to both save and to make money.

Using your super to buy property

Australian Self Managed Superannuation Funds can both buy property and borrow money to buy property. This is a very exciting opportunity for people who want to build up long term wealth through property investment. Within the Vision team we have a number of experts on this type of finance, whether your investment is commercial or residential, we can help you.

Where to from here?

While there are many online calculators available, they do not take into account all of your individual circumstances. We have a very short online enquiry form which will ask you some very basic questions and then organise for one for your local Finance Partner to contact you. By completing this quick form your local Finance Partner will already have completed some preliminary investigation before they call you, enabling you to be better informed quickly.

or

Contact your local Vision Finance Partner on 1300 797 144 or This e-mail address is being protected from spambots, you need JavaScript enabled to view it to arrange an obligation free appointment.

© Copyright Vision Mortgage Solutions Pty Ltd 2005