A property investment game plan is about setting clear goals for your property portfolio and aligning your home loans to support these objectives. Proper loan setup is simpler than it seems and can play a significant role in achieving financial success.
In 2021, around 70% of Australians with investment properties held just one—often rented out, marking them as “Rentvesters.” No matter what type of investor you are, having a solid plan is essential.
Steps to Build Your Investment Game Plan
1. Evaluate Your Cashflow
Consider your property income vs. expenses to see how much, if any, you’re topping up monthly. Adjusting to positive cash flow or reducing expenses may be worth considering.
2. Track Capital Gains and Equity
Monitor the market value of your properties for potential gains, and assess your equity—what you’d have after paying off loans. Higher property values can unlock more usable equity, helping fund additional investments.
3. Tax Optimization
Consult a tax expert to explore strategies like depreciation schedules, offset accounts, negative gearing, and loan structuring. These measures could maximize deductions and enhance tax efficiency.
4. Boost Borrowing Power
Regularly assess your borrowing capacity, especially if planning a purchase. Reduce outstanding debt, strategically manage income, and plan around major life events to maintain a strong financial profile.
For tailored guidance, connect with our Investor Concierge team to develop a winning game plan aligned with your goals!
