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Partner with Flint to Navigate the Complexities of Property Investment 

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We've Empowered
Thousands of Investors

Our expert team knows every nuance of the buying and refinancing process, ensuring you capitalise fully on the Australian tax code and investment opportunities. 

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Avoid Costly Investment Mistakes 

Learn how to sidestep common pitfalls with our specialised knowledge. 

Ensure Proper Structure for Your Investments 

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. 
Leverage Equity to Reduce Upfront Costs 

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.

Expand Your Investment Options with SMSF 

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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See How Much You Can Borrow

 Use our borrowing power calculator to get an instant estimate and plan your purchase more effectively. 

Avoid Investment Regrets - Get Expert Guidance Now 

Don’t wait — secure your financial future and avoid common traps with our award-winning advice. 

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Frequently Asked Questions

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.

To determine the investment value of a property, you can apply this formula:
Investment value = Net operating income / Capitalisation rate (Cap rate).

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

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.

To determine the investment value of a property, you can apply this formula:
Investment value = Net operating income / Capitalisation rate (Cap rate).

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.