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WELCOME
OVERVIEW
PURCHASING YOUR INVESTMENT PROPERTY
Why invest in property
Do your homework
GETTING STARTED
FACTORS TO CONSIDER WHEN PURCHASING
RESIDENTIAL INVESTMENT PROPERTY
TAXATION - positive vs negative gearing
FINANCE
Finding your deposit
Using equity to buy your investment property
Buying an investment property through a
superannuation fund
CHOOSING THE RIGHT LOAN
Interest only loans
Fixed rate loans
Standard variable rate loans
Offset accounts
BORROWING ESSENTIALS
Credit reference
How much can I borrow?
What deposit will I need?
Deposit bonds
Should I buy with someone else?
COSTS
Loan application fee
Stamp duty
Legal
Inspections
INSURANCES
Mortgage insurance and lender’s mortgage
insurance
Life
Landlord
Total and permanent disability (TPD)
Building
Income protection
Land tax
APPLYING FOR A LOAN
Loan approval
PROPERTY MANAGEMENT
A STEP BY STEP GUIDE TO BUYING YOUR
INVESTMENT PROPERTY
STEP 1 - Organise your deposit
STEP 2 - Have your loan preapproval in place
STEP 3 - Choose the right property in the right
location
STEP 4 - Make an offer
STEP 5 - Appoint a conveyancer/legal representative
STEP 6 - Final loan approval
STEP 7 - Appoint a property manager
STEP 8 - Insurance
STEP 9 - Final inspection
STEP 10 - Settlement
If something goes wrong
TIPS FOR PURCHASING
OUR COMMITMENT TO YOU
CONTENTS
