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Which is the better deal: refinancing, personal loans or upfront rent?

Most people only look at the interest rate when comparing financing options. But what if we told you the lowest interest rate isn't always the most affordable. But what if we told you the lowest interest rate isn't always the most affordable o...

April 5, 2023

Godfrey Dinh

Futurerent Explained Property Investing Guides Market Updates Investment Properties Property Investor Tips

Futurerent Explained

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What makes a top-up painful for property investors?

Thinking about refinancing your investment property to access equity? 'Topping up' your mortgage, or doing a "cash-out refinance" sounds as simple as adding milk to your morning coffee. It's how the majority of property investors access the money they need. In this blog, we dive into what refinancing actually involves, the tripwires that might make 'topping up' your mortgage a non-starter, and the real costs involved.

December 5, 2024

Godfrey Dinh

Which is the better deal: refinancing, personal loans or upfront rent?

Godfrey Dinh

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April 5, 2023

The ‘hidden’ $2,082 cost of refinancing for a top-up and how property investors can avoid it

When it comes to working out the cost of refinancing a home loan for a top-up, many people focus on the interest rate but forget that refinancing involves a stack of other costs. Exactly how much top-up refinancing will set you back in ‘hidden costs’ depends on your situation and your lender. To give you a general idea, these costs average out to be $2,082. On top of this, there are potential break fees and lenders’ mortgage insurance (LMI) which each run into tens of thousands of dollars.

Godfrey Dinh

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March 10, 2023

Thinking of topping up your home loan? Why property investors are jumping the refinancing queue

If you’re thinking of refinancing your mortgage to do a top-up, think again. There are better ways to get finance than increasing your home loan.

Property Investing Guides

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Guide: The different types of property investment strategies

Whether you want to achieve financial freedom or set your children up for the future, having a solid property investment strategy in place is the key to reaching your investment goals. In this guide to property investment strategies, we're going to show you some of the biggest factors every property investor should consider before creating their own property portfolio strategy.

December 5, 2022

Godfrey Dinh

Guide: What you should know about capital gains tax on investment properties

Capital gains taxes can cut into your profits, leaving you with less money to reinvest or use for other purposes. But there are legal ways to potentially avoid paying capital gains tax on investment property. Seek professional advice from a tax accountant or financial advisor to check if you’re eligible.

Godfrey Dinh

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March 17, 2023

How soon can I refinance my investment property?

Guide: 7 Things to know before you refinance an investment property loan

While the benefits of refinancing are often discussed, many property investors don’t realise what the refinancing costs are and the work involved. This guide provides an overview of refinancing an investment property, the tax deductibility of refinancing costs, and other considerations.

Godfrey Dinh

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February 8, 2023

Guide: Buying a second property and renting out the first in Australia

Buying your second property is very similar to buying your first home but there are more complexities involved. To help you get your head around it all, we’ve put together a guide to buying your second property and how second-time buyers might go about financing the purchase.

Market updates

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Investors or owner-occupiers: who’s driving the post-COVID housing market?

While the post-COVID housing market heat was initially driven by owner-occupiers, there are signs that investors have returned to the market in droves.