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We're Flint, Australia's leading mortgage brokers, and we're here to help you!
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Our expert team knows every nuance of the buying and refinancing process, ensuring you capitalise fully on the Australian tax code and investment opportunities.
Having worked with Christian on a number of loans before he founded flint, I knew where to turn. In the new business, I can safely say that Christian, along with Piyush, Saharah, Jack and the whole Flint team delivered an amazing result on our new loan, with a competitive rate, quick approvals and early settlement - cannot rate this team highly enough for any loan needs.
Nothing but great things to say about the team we have worked with at Flint. Kathleen, their client experience specialist, looked after us from the early stages of looking into if home ownership was an option for us, all the way through to pre-approval and now to homeownership. Kathleen was so giving with her time and expertise, she made herself incredibly approachable and helped make applying for a mortgage an accessible and achievable task. As someone who has never owned property before and isn't involved in the realestate or finance world, having someone on our side who was warm and personable break down the steps and help us gather all the required information was invaluable. Nicole from Loan Support liased with our bank and the team in such efficient and professional manner, was always quick to respond to our queries and really came through for us when we were in a time crunch. Nicole helped break down our loan options and enabled us to make informed finanical decisions, and made it clear what would be required of us at settlement. Both myself and my partner are incredibly pleased with the service provided to us and are grateful for all the support we have received. Having the team reach out to us to offer personal congratulations once we settled on our property was really sweet. Thanks for making such a huge scary thing so smooth and doable!
Excellent customer service and knowledge. Would highly recommend Ben and his team at Flint Group.
Reuben and the team at Flint did a great job in securing loans for us under tricky circumstances. Reuben has a great level of knowledge about the lending space and is happy to educate along the way.
Christian, Jon, Ben, Siju and the team at Flint have been outstanding. Getting pre-approval and then settlement sorted in a fast and easy way. I can't recommend Flint enough. If you are looking at brokers who make your life easy and provide great advice, this is the business you want to work with.
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Our expert team of ex-accountants and ex-financial planners have crafted thousands of success stories, helping investors either continue their portfolio journey or start an empire with their first investment.
- Maximize Borrowing Capacity: Tailored strategies to enhance your loan eligibility.
- Optimal Investment Structures: Utilise trusts and corporations to your tax advantage.
- Interest-Only vs. Principal & Interest: Understanding the financial impacts to make informed decisions.
To determine the investment value of a property, you can apply this formula: Investment value = Net operating income / Capitalisation rate (Cap rate).
- Net operating income (NOI): This is the income generated by the property after deducting all expenses, including mortgage payments, property taxes, insurance, and maintenance costs.
- Capitalisation rate (Cap rate): This is a measure of the expected return on investment, calculated by dividing the NOI by the property’s current market value.
The investment value of a property can vary based on the property itself and the current market conditions. As a general rule of thumb, an investment value yielding at least a 7% return is often considered favourable.
Generally, you’ll need a 20% deposit for an investment property loan in Australia to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders may accept a lower deposit if you have a solid credit history and steady income. It’s also possible to borrow up to 95% of the property’s value with at least 5% in genuine savings, though this will require paying LMI.
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Frequently Asked Questions
Are investment loans tax deductible?
Yes, if you take out a loan to buy an investment property, the interest on that loan is tax deductible, as long as the property generates rental income. However, this deduction only applies to the interest payments, not the repayments on the principal. Many property investors opt for interest-only loans to maximise their tax deductions. Other tax-deductible expenses may include advertising for tenants, repairs, utilities, legal fees, and insurance. However, costs associated with purchasing or selling the property, along with expenses covered by tenants, are not deductible.
How do you calculate the investment value of a property in Australia?
To determine the investment value of a property, you can apply this formula: Investment value = Net operating income / Capitalisation rate (Cap rate).
- Net operating income (NOI):This is the income generated by the property after deducting all expenses, including mortgage payments, property taxes, insurance, and maintenance costs.
- Capitalisation rate (Cap rate): This is a measure of the expected return on investment, calculated by dividing the NOI by the property’s current market value.
- The investment value of a property can vary based on the property itself and the current market conditions. As a general rule of thumb, an investment value yielding at least a 7% return is often considered favourable.
How much deposit do I need for an investment property in Australia?
Generally, you’ll need a 20% deposit for an investment property loan in Australia to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders may accept a lower deposit if you have a solid credit history and steady income. It’s also possible to borrow up to 95% of the property’s value with at least 5% in genuine savings, though this will require paying LMI.
If you have any additional questions, you can send or email us at hello@flintgroup.au
Are investment loans tax deductible?
Yes, if you take out a loan to buy an investment property, the interest on that loan is tax deductible, as long as the property generates rental income. However, this deduction only applies to the interest payments, not the repayments on the principal. Many property investors opt for interest-only loans to maximise their tax deductions. Other tax-deductible expenses may include advertising for tenants, repairs, utilities, legal fees, and insurance. However, costs associated with purchasing or selling the property, along with expenses covered by tenants, are not deductible.
How do you calculate the investment value of a property in Australia?
To determine the investment value of a property, you can apply this formula: Investment value = Net operating income / Capitalisation rate (Cap rate).
- Net operating income (NOI):This is the income generated by the property after deducting all expenses, including mortgage payments, property taxes, insurance, and maintenance costs.
- Capitalisation rate (Cap rate): This is a measure of the expected return on investment, calculated by dividing the NOI by the property’s current market value.
- The investment value of a property can vary based on the property itself and the current market conditions. As a general rule of thumb, an investment value yielding at least a 7% return is often considered favourable.
How much deposit do I need for an investment property in Australia?
Generally, you’ll need a 20% deposit for an investment property loan in Australia to avoid paying Lenders Mortgage Insurance (LMI). However, some lenders may accept a lower deposit if you have a solid credit history and steady income. It’s also possible to borrow up to 95% of the property’s value with at least 5% in genuine savings, though this will require paying LMI.