Build Wealth Through Property Investment.
Buying an investment property is one of the most popular ways Australians build long-term wealth. But while the rewards can be significant — rental income, capital growth, and tax benefits — the process is complex. From choosing the right loan structure to understanding risks, it’s important to get the right advice before you start.
At AJP Finance, we help new and experienced investors navigate the property finance process with confidence.
Why Invest in Property?
- Rental Income → A steady income stream to help cover loan repayments.
- Capital Growth → Property values may increase over time, building long-term wealth.
- Tax Benefits → Interest and certain expenses may be deductible.
- Equity Building → Use equity from one property to fund future investments.
- Portfolio Diversification → Balance your wealth between property and other assets.
📌 Note: Tax benefits depend on your personal circumstances. Please seek independent advice from your accountant.
What Lenders Look For in Property Investors
- Rental income potential → Many lenders count a portion of expected rent towards your serviceability.
- Existing property portfolio → If you own other properties, lenders assess their performance.
- Deposit or equity → Most lenders require 10–20% deposit, or available equity in another property.
- Credit profile → A strong repayment history improves options.
- Loan-to-value ratio (LVR) → The lower your LVR, the broader your lender options.
Costs of Buying an Investment Property
- Stamp Duty → Higher for investors in some states.
- Legal / Conveyancing Fees → Approx. $1,200–$2,500.
- Building & Pest Inspections.
- Ongoing Costs → Property management, maintenance, landlord insurance, strata fees.
- Lenders Mortgage Insurance (LMI) → If borrowing over 80%.
Tips for Successful Property Investment
- Buy in growth areas with strong rental demand.
- Budget for ongoing costs like maintenance and vacancies.
- Consider loan structures that balance tax benefits and cash flow.
- Regularly review your loans to stay competitive.
- Seek professional financial and tax advice.
How We Help You Invest Smarter
At AJP Finance, we make the investment property journey structured and transparent:
Initial Consultation
We start by discussing your goals: capital growth, rental yield, or portfolio building. This ensures we tailor advice to your strategy.
Financial Review
We assess your income, expenses, deposit/equity, and borrowing power, so you know your true budget before searching for property.
Loan Options
We explain investment loan types — interest-only, principal & interest, equity release — outlining pros, cons, and tax considerations in plain English.
Settlement & Beyond
We guide you through settlement and recommend regular reviews to ensure your loan remains competitive as your portfolio grows.
