Buying an investment property
Many successful property investors take a strategic approach to researching markets, crunching numbers and regularly reviewing their investment’s performance.
Finding the right strategy
Your property investment strategy should be a good fit for your timeframe and personal situation. Talk to a financial adviser about what could be right for you. Below are some pros and cons of three popular property investment strategies here in Australia.
Positive cashflow strategy
Capital growth/negative cashflow strategy
You have a negative cashflow property when the expense of holding the property is more than the income made from the property.
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* Discounted Back to Basics Variable Rate with Better Together Special Offer
Advertised discounted rate valid from 21 June 2019, is subject to change without notice and may be withdrawn at any time. Offer available for new Investment >=$150,000 where borrowings <=90% of the security property value (LVR) inclusive of lenders mortgage insurance (where applicable). Disclosed rate is Principal and Interest, Back to Basics Variable (currently 5.41% p.a.) less net discount of -1.62% p.a. Rate and discount may be varied if the loan purpose or repayment type is changed or where the borrower fails to hold a Suncorp Bank transaction account. Pre-approvals excluded. Banking Products are issued by Suncorp Bank. Please read the relevant Product Information Document and the Terms and Conditions before making any decision regarding this product. These documents are also available at Suncorp Bank stores on our Product Information Documents and Forms page.
^ Discounted Standard Variable Rate with Home Package Plus
Advertised discounted rate valid from 21 June 2019, is subject to change without notice and may be withdrawn at any time. Offer available for new Investment >= $150,000 where borrowings <= 90% of the security property value (LVR) inclusive of lenders mortgage insurance (where applicable). Disclosed Interest Rate is based on Principal and Interest, Standard Variable (currently variable interest rate of 6.04% p.a.) less package net discount of -1.95% p.a. A discount is applied for as long as the loan remains part of the Home Package Plus. Rate and discount may be varied if the loan purpose or repayment type is changed. Pre-approvals excluded.
# Discounted 3 Year Fixed Rate with Home Package Plus
Discounted rate special offer is only available for new investment loans taken out as part of the Home Package Plus >= $150,000 and borrowings <= 90% of the security property value (LVR) inclusive of lender’s mortgage insurance (if applicable), with Principal and Interest repayments. The discounted rate (currently 3.69% p.a.) is calculated by subtracting a discount of 0.45% p.a. from the Standard 3 Year Fixed Rate (currently 4.14% p.a.). At the expiry of the 3 Year Fixed Rate Term, the loan will revert to the applicable Standard Variable Rate advertised at the time (currently 6.04% p.a.) less the Home Package Plus discount (currently 1.95% p.a.). The discounted special offer rate is only applicable to the 3 Year Fixed Rate loan while the loan remains in the Home Package Plus. The discounted special offer rate is available on eligible loans applied for from 21 June 2019. Rates and discounts are subject to change. The Standard 3 Year Fixed Rate applicable on the day of settlement of the loan will be used to calculate the applicable discounted fixed rate unless the rate has been secured by paying a Guaranteed Rate Fee, which must be selected at time of loan application. Pre-approvals excluded.
+ COMPARISON RATE WARNING:
Each comparison rate is based on $150,000 over 25 years. These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates for Interest Only Fixed Rate home loans are based on an initial Interest Only period equal in length to the fixed rate period. Comparison rates for Interest Only Variable home loans are based on an initial 5 year Interest Only period.
Various products and services are provided by different entities of the Suncorp Group. The different entities of the Suncorp Group are not responsible for, or liable in respect of, products or services provided by other entities of the Suncorp Group. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. For that reason, before acting on the advice, you should consider the appropriateness of the advice having regard to your own objectives, financial situation and needs. Where the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should consider the Product Disclosure Statement before making any decision regarding the product.
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Banking Products and Home Loans are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 (“Suncorp Bank”) to approved applicants only. Please read the relevant Product Information Document and the Terms and Conditions before making a decision regarding any Suncorp Bank products. Fees, charges, terms and conditions apply and are available on request or on our Product Information Documents and Forms page.
Products and services including banking, superannuation and insurance (including home and car insurance) are provided by separate companies in the Suncorp Group. Each entity is not responsible for, or liable in respect of, products and services provided by other entities of the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of other companies in the Suncorp Group.
The information is intended to be of general nature only. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own enquiries.
Lock in your interest rate and repayment amount
A rate that is variable and is subject to change over the loan term.
A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product. For more information about the comparison rate and the comparison rate warning, please refer to the things you should know section of this page.