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Smart investors know the right loan strategy can be just as powerful as the right property. Here are five bold moves to make your money work harder.
An offset account isn’t just a nice extra, it’s a weapon. By parking your savings or rental income here, you cut down the interest calculated on your loan while still keeping your money accessible.
The result? Every dollar works double time. Your funds are lowering your debt while staying available for the next opportunity. That’s how investors shave years off repayments and get ahead faster.
Some people think an interest-only loan means kicking the can down the road. Wrong. It’s about maximising cash flow when it matters most.
For investors juggling multiple properties, interest-only periods can free up thousands each year. That’s money you can direct into new acquisitions or other investments. With the right tax benefits in play, it’s a smart way to grow your portfolio without burning through your cash flow.
Think refinancing is a hassle? Think again. One of our clients worked with Matt Shepherd, one of our expert brokers, to restructure their $2.7M loan portfolio and negotiate a sharper interest rate.
The result?
That’s thousands saved without changing their lifestyle. A refinance could literally save you a fortune. If you’re curious, see how refinancing and equity can unlock your next investment.
Mixing home and investment loans is a rookie mistake. When you split them, you gain more control, more flexibility and better tax efficiency.
It also makes tracking your numbers easier, so you’ll always know what’s deductible and what’s not. That’s a big win at tax time and when planning your next move.
Mixing home and investment loans is a rookie mistake. When you split them, you gain more control, more flexibility and better tax efficiency.
Too many homeowners sit on their equity like it’s a trophy. The truth? It’s a launch pad. By accessing equity, you can buy another property now, not 20 years from now.
That means your portfolio compounds faster, your wealth grows sooner, and you stay ahead of the game. Don’t let equity sit idle, put it to work building your future.
Finance hacks aren’t about shortcuts. They’re about squeezing every bit of value from the money you already have. From offset accounts to clever refinancing, smart structures can turn a decent portfolio into a powerful wealth-building machine.
Ready to see how these hacks could work for you? Book a chat with Matt, or one of our mortgage brokers, and start making your money work harder today.
The information provided is general in nature, it does not take your personal objectives, circumstances or needs into account. It is not specific advice and is not intended to be passed on or relied upon. Interest rates are subject to change. Finance approval is subject to terms and conditions and meeting lender approval criteria.
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