Question 1

What makes a good investment suburb?

Accepted Answer

Rental demand, yield, growth drivers and vacancy risk. We look at the fundamentals, not the hype.

Question 2

How does the tax position affect my investment loan?

Accepted Answer

Interest on an investment loan is generally tax-deductible, and negative gearing can offset other income. As a CPA and Registered Tax Agent, James Chee structures the loan with the full tax picture.

Question 3

What deposit do I need for an investment property?

Accepted Answer

Most lenders require 20% to avoid LMI, though some accept 10% with LMI. Equity from your home can also be used.

Question 4

Interest-only or P&I for an investment?

Accepted Answer

Interest-only can improve cash flow and maximise deductible interest, but you do not build equity during the period.

Question 5

Can I use an SMSF to invest in these suburbs?

Accepted Answer

Yes, via an LRBA, subject to compliance. We coordinate with your SMSF auditor and solicitor.

Investment property by suburb, without the guesswork.

Frequently Asked Questions