Empower Blog Investment Property Loan

Principal and Interest Vs Interest Only Loans: Why and when should you pay more interest?

In this How To Session, we're going to get technical and start to talk about the pros and cons of interest-only lending when it comes to investment properties. Now, it's really important to understand why you would go interest-only. Because we have seen recently that there is an extra margin the banks are now charging us for the luxury of being ...

Watch Video

Why I Love Property

I was recently asked by a journalist when they were interviewing me, “Why is it that out of all the asset classes out there, why do you actually love property as a form of investment?” And it's pretty simple. It’s actually leverage. The fact that I can use the cash that I've got and leveraged it to buy a much larger asset, and then I can g...

Watch Video

Which Loan is Right for you?

For those who are not familiar with the finance side of things, this might be a tricky question. We've previously written about the different types of property loans out there but how do you know which loan is right for you? Especially when there are more discussions these days surrounding principal and interest and interest-only lending options an...

Read More

When Is the Best Time to Refinance Your Loan?

You’ve bought or invested in a home and are making regular mortgage payments. What happens when you want to adjust your repayment plan? Perhaps a step up in your salary has given you additional resources to pay off your balance in less time. Maybe an outside hardship requires you to refinance in order to improve your cash reserves or your loan mi...

Read More

Different Types of Property Loans and Why Interest Rate Is NOT King 

When purchasing a property in Australia, there are a number of mortgage loan options available. Each has its different benefits such as low interest rates or higher borrowing power, as examples some require principal and interest repayment while others offer interest only terms, while others allow for smaller payments. The best loan will depend on ...

Read More

7 Things to Consider when Securing Your New Home/Investment Property Loan

Whether it’s your first time or tenth home or investment purchase, choosing a lender in a competitive market and getting a loan approved by a bank or lender is a laborious task. There are a lot of requirements to satisfy, applications to fill out and paperwork to get it order, so it can seem as if you will never get it all together and you are...

Read More