Build my property portfolio
Your property portfolio partner
Building or expanding a property portfolio can be overwhelming when managing it on your own.
Coastline Advice Home Loans are your property portfolio partner. We are the experts on your team that understand what you need to succeed. Coastline Advice takes the time to understand your property investment goals and build a strategy to give you the best chance at success.
From structuring your lending in the most cost-effective way, to diversification and risk management, we provide the information you need, when you need it most.
How we help
We apply a tailored investment strategy to meet each individual’s unique financial goals
We build long-term relationships with our clients, evolving and growing with you along the journey.
We are transparent and authentic, working with your best interests in mind and a commitment to long-term success.
Investment Loans
Whilst paying off a loan may seem like a long and daunting journey, it doesn’t have to be with the right advice and planning. Once some of your mortgage is payed off, you may be able to use the equity in your home to get ahead through strategic investing, ultimately fast tracking your mortgage and creating wealth you didn’t know was possible.
Home Loan Guides
If it's your first home, or if it's time to renovate, refinance or invest, we're here to make it happen.
Get started with our free guides:
First Home Buyers Guide
Fixed vs Variable Loans
Interest Rate Rise
Investing Guide
Refinancing Guide
Why Use a Broker Guide
Explore our Calculators
Check out the Money Smart calculator to see how much money and time you could save on your mortgage.
Our Lenders
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Frequently asked questions
Should I buy an investment property or home first?
Deciding whether to buy an investment property or a home first depends on your financial goals, personal circumstances, and long-term strategy. Buying a home first provides stability and security, allowing you to build equity and potentially benefit from property price appreciation. It also gives you a place to live without worrying about rental costs. On the other hand, purchasing an investment property first could provide rental income and potential tax advantages through negative gearing.
This strategy requires a focus on building wealth through property, rather than owning your own home immediately. Ultimately, the decision should align with your financial situation, investment goals, and risk tolerance.
Consult with a Coastline Advice financial adviser on 5264 7700 to help clarify which option best suits your needs.
Interest only repayments
Paying interest only can be beneficial for property investors under certain circumstances. It allows investors to minimize their mortgage repayments, freeing up cash flow that can be used for other investments or expenses. This strategy can be particularly advantageous for investors who rely on rental income to cover the interest payments, as it improves their cash flow position.
Moreover, interest-only loans may provide tax benefits, as the interest payments are generally tax-deductible for investment properties in Australia. However, it’s important to consider the risks associated with interest-only loans, such as potential higher repayments once the interest-only period ends, and the fact that you’re not building equity in the property during this time.
Investors should weigh these factors against their investment strategy and seek advice from a financial adviser to determine if interest-only repayments align with their long-term financial goals. To speak to a Coastline Advice financial adviser, call 5264 7700.
How can I leverage equity to buy more properties?
Leveraging equity to buy more properties involves using the equity you’ve built up in an existing property to secure financing for a new investment. Equity is the difference between the market value of your property and the amount you owe on your mortgage.
To leverage equity, you can refinance your existing property to access this equity in the form of cash. Alternatively, you can use the equity as security to obtain a line of credit or a home equity loan. This additional capital can then be used as a deposit for a new property purchase, enabling you to expand your property portfolio without needing to save for a large deposit. It’s important to consider the risks involved, including potential changes in interest rates and property values, and to consult with a financial adviser to ensure this strategy aligns with your investment goals and risk tolerance.
To speak to a Coastline Advice adviser, call 5264 7700.
What are the costs associated with property investment?
Investing in property in Australia comes with several costs that need to be considered beyond the purchase price. These include stamp duty, which varies by state and is a significant upfront cost, as well as legal fees for conveyancing and property searches.
There are also loan establishment fees, such as application and valuation fees, and ongoing mortgage repayments if financed through a loan. Property investors must also budget for council rates, water rates, and potentially strata levies for apartments. Landlord insurance is also essential to protect against damage, liability, and loss of rental income. Maintenance costs for repairs and improvements, as well as property management fees if using an agency, should also be considered. Finally, investors need to plan for property depreciation, capital gains tax on the sale of the property, and potential vacancies. Understanding these costs is crucial for effective budgeting and ensuring the financial viability of a property investment.
If you are looking to invest in property, speak to one of our financial advisers on 5264 7700 to create a pathway to your investing goals.
Should I invest in residential or commercial property?
Deciding whether to invest in residential or commercial property depends on your investment goals, risk tolerance, and financial situation.
Residential property is typically more familiar to many investors and may offer more stable rental income with potentially lower vacancies. It’s also easier to find tenants and manage residential properties compared to commercial ones. On the other hand, commercial property often yields higher rental returns and longer lease terms, which can provide more stable cash flow. Commercial leases usually have tenants responsible for outgoings such as maintenance and sometimes even property taxes, which can lessen the workload on the investor. However, commercial property can also have higher vacancies during economic downturns and may require higher upfront investment costs.
Ultimately, the choice between residential and commercial property should align with your investment strategy and goals. Speak to a Coastline Advice financial adviser on 5264 7700 to help clarify which option is best for you.
How do I calculate rental yield?
Calculating rental yield is crucial for assessing the performance of an investment property. Rental yield is calculated by dividing the annual rental income by the property’s value, then multiplying by 100 to get a percentage. For example, if a property rents for $25,000 per year and is valued at $500,000, the rental yield would be 5% ($25,000 / $500,000 * 100).
How to calculate capital growth?
Capital growth is the increase in the property’s value over time. It is typically expressed as a percentage of the property’s initial value. For instance, if a property’s value increases from $500,000 to $550,000 over five years, the capital growth rate would be 10% ($50,000 / $500,000 * 100).
What is negative gearing and is it beneficial?
Negative gearing is a strategy where the costs of owning an investment property, such as loan interest, maintenance, and other expenses, exceed the rental income received. The resulting loss can be used to reduce taxable income, potentially lowering the investor’s overall tax bill. While negative gearing provides immediate tax benefits, it relies on the property’s value appreciating over time to offset the losses.
This strategy can be beneficial in the long term if the property’s capital growth exceeds the accumulated losses. However, it also carries risks, particularly if rental income does not cover expenses or if interest rates rise, increasing loan repayments. Investors should carefully assess their financial situation, tax implications, and investment goals before deciding if negative gearing is suitable for them.
Speak to a Coastline Advice financial adviser on 5264 7700 to make an informed decision on your gearing.
What Coastline Advice Stands For
Authenticity
We are real people that genuinely want to see you achieve the future you want.
Connection
We are locals, living and breathing where we work and sharing a passion for our local community with our clients.
Outcomes
We partner with our clients to help them achieve their ideal lifestyle, whatever that may be.
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