Investment Home Loans
Smart property investment isn’t just about finding the right address; it’s about securing the right finance. At Classic Loans, we help investors build long-term wealth by structuring loans that maximize tax benefits, enhance cash flow, and support portfolio growth.
Founded by Preetinder Singh, we provide the strategic oversight needed to turn a single property into a powerful investment vehicle.
Tailored Structures for Every Investor
The way your loan is set up can significantly impact your “bottom line” at tax time. We offer various structures to suit your specific strategy:
- Interest-Only Repayments
Many investors choose to pay only the interest portion of their loan for an initial period (typically 1–5 years).
- The Benefit:Lower monthly repayments, which improves your cash flow.
- The Strategy:Since the interest on an investment loan is generally tax-deductible in Australia, paying only the interest keeps your deductible debt high while you use your extra cash to pay down non-deductible debt (like your own home).
- Offset Accounts for Flexibility
A 100% offset account is a transaction account linked to your investment loan.
- How it Works:Every dollar in the offset account reduces the amount of interest you are charged.
- The Advantage:Unlike a redraw facility, taking money back out of an offset account for personal use generally doesn’t affect the tax deductibility of the remaining loan interest.
- Positive vs. Negative Gearing
We help you understand how your loan choice influences your gearing strategy:
- Negative Gearing:When your property expenses (interest, rates, maintenance) exceed the rental income. This “loss” can often be offset against your personal income to reduce your tax bill.
- Positive Gearing:When the rental income exceeds your expenses, providing you with a surplus of passive income.
Loans
Contact Us
0451 269 825
preet@classicloans.com.au
Clyde, Victoria ( 3978), Australia
Maximizing Your Investment Potential
- Accessing Equity
If you already own a home, we can help you unlock its value to fund a 10% or 20% deposit for an investment property, often requiring zero “cash” out of your pocket.
- Portfolio Review
For those who already own multiple properties, we provide regular reviews to ensure your interest rates remain competitive and your equity is working efficiently.
- Diversified Lending Panel
We work with over 30 lenders, from major banks to specialist investor-only firms, ensuring we find the policy that matches your unique income and goals.
Loans
Contact Us
0451 269 825
preet@classicloans.com.au
Clyde, Victoria ( 3978), Australia
How Can You Use Your Equity?
Property Valuation
We arrange a professional valuation to determine exactly how much your home is worth in today’s market.
Usable Equity Calculation
Lenders typically allow you to borrow up to 80% of your home's value (minus your current debt) without incurring Lenders Mortgage Insurance (LMI).
Lender Comparison
We scan our panel of lenders to find the one offering the best "Top-up" rates and features, such as offset accounts.
Fast Approval
We handle the paperwork to ensure you get access to your funds as quickly as possible.