{"id":200,"date":"2018-11-17T03:14:56","date_gmt":"2018-11-16T16:14:56","guid":{"rendered":"http:\/\/newgenholdings.nexty.com.au:81\/?p=200"},"modified":"2025-09-05T18:53:06","modified_gmt":"2025-09-05T08:53:06","slug":"4-top-tips-from-newgen-broker-to-help-you-invest-12","status":"publish","type":"post","link":"https:\/\/newgenholdings.com.au\/en\/2018\/11\/17\/4-top-tips-from-newgen-broker-to-help-you-invest-12\/","title":{"rendered":"Second Article"},"content":{"rendered":"

Successful property investing isn\u2019t just about the property you buy. It can also hinge on something you may not have given much thought to \u2013 your investment loan. Phil Gallagher, Franchisee at Aussie Belmont in NSW\u2019s Hunter region explains four ways your Aussie Broker can help you become a successful property investor.<\/p>\n

1. Get a Better Deal on Your Home Loan<\/h2>\n

Before you start thinking about investment loans, Phil recommends asking your Aussie Broker to review of your current home loan. The reason? The potential to improve cash flow with a lower rate loan.<\/p>\n

Phil explains, \u201cA lot of my customers are using home equity to fund an investment property, and where that\u2019s the case, it makes a lot of sense to review your current home loan first.\u201d<\/p>\n

He adds, \u201cIt\u2019s not unusual to find that an investor\u2019s owner occupied home loan is not the most competitive option available. I often find for instance, that the customer is paying a rate that\u2019s 1% higher than many of the loans available today \u2013 especially if they\u2019ve had the same home loan for a number of years. Cutting your home loan rate by just 0.5% can have a significant impact on repayments, freeing up valuable cash flow to invest in a rental property.\u201d<\/p>\n

Even better, Phil says your Aussie Broker can usually help you get a better deal on your loan without blowing out the loan term or even necessarily needing to refinance.<\/p>\n

\"\"<\/p>\n

2. Provide Insights About the Market You Plan to Buy in<\/h2>\n

With your home loan in top shape, Phil says the next step is to talk to your Aussie Broker for valuable insights into those locations where you can afford to buy.<\/p>\n

He explains, \u201cInvestors have more access than ever before to market information, so they no longer have to rely heavily on details provided by selling agents to make an informed decision.\u201d<\/p>\n

Phil adds, \u201cYour Aussie Broker can point you in the right direction for key industry insights such as current market values, details of past capital growth and current rental yields \u2013 information that puts property investors in a strong position to negotiate.\u201d<\/p>\n

Your Aussie Broker can also provide one critical piece of the puzzle that isn\u2019t available to ordinary investors \u2013 and that\u2019s details of those postcodes where lenders may impose particularly tight loan-to-valuation ratios (LVRs).<\/p>\n

The LVR is the percentage of a property\u2019s value you are able to borrow, and Phil points out, \u201cThere are some postcodes where certain lenders won\u2019t lend above 80% of the property\u2019s value.\u201d<\/p>\n

It\u2019s essential to know these sorts of details because it can heavily impact your borrowing power across a variety of locations. Phil adds, \u201cBecause Aussie brokers work closely with up to 21 different lenders, we know which lenders impose tight LVRs \u2013 and those lenders that have more flexible limits for a given suburb. This is where Aussie Brokers add real value, helping investors understand their borrowing power across different lenders and locations.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Your NewGen Broker can offer valuable insights and give expert loan advice to help you become a property investor.<\/p>\n","protected":false},"author":1,"featured_media":45,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"jetpack_featured_media_url":"https:\/\/newgenholdings.com.au\/wp-content\/uploads\/2017\/11\/shutterstock-337737683.png","jetpack-related-posts":[{"id":328,"url":"https:\/\/newgenholdings.com.au\/2017\/11\/28\/4-top-tips-from-newgen-broker-to-help-you-invest\/","url_meta":{"origin":200,"position":0},"title":"4 top tips from NewGen broker to help you invest","date":"28\/11\/2017","format":false,"excerpt":"Your NewGen Broker can offer valuable insights and give expert loan advice to help you become a property investor.","rel":"","context":"In 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