At Ubika Finance we provide varied loan options for all your property needs. With a panel of over 25 lending institutions we will help you find that correct loan structure to fit your investment needs. Our commitment to our clients is not to provide them with just a loan option but work with them in the long term so they can achieve their property investment goals. That can be either for a purchase, renovation, upgrade, having had credit issues or looking to consolidate. We have a solution that fits your requirement keeping in mind your current situation and future investment goals. Our consultation is Free to all our clients as well as Free service in most cases.

Property Investment in Australia has proven to be the safest and most secured form of investment. There are many benefits from having an investment property when deciding to take out another loan or invest in something else. Showing your potential lender that you have the ability to maintain a loan without defaulting will be highly regarded. The property can also be useful as security when taking out another home, car or personal loan.Investment properties can be purchased at 80% LVR (loan to valuation ratio), or up to 90% LVR with mortgage insurance. The LVR is calculated by taking the amount of the loan and dividing it by the value of the property, as determined by the lender. This high leverage capacity results in a higher return for the investor at a lower risk due to having less personal finances ties up in the property (80% of the purchase price was provided by the mortgagee).Buying a property to rent out is a popular form of investment. Houses and units are easier to understand than many other types of investments, yet they do have some issues you need to be aware of.

• Property can be less volatile than shares or other investments
• You can earn rental income and benefit from capital growth (if your property increases in value over time)
• If you take out a loan to purchase an investment property, interest on the loan and most property expenses can be offset against rental income, for tax purposes
• You are investing in something you can see and touch

Tax benefits should not be used as a decision –making factor, it can be a benefit of investing in property however it could be beneficial to you.

Interest is by far the largest tax deduction in a negative gearing arrangement. Provided your property is available for rent, the interest incurred on money you’ve borrowed for the property is tax-deductible, including money used to purchase the property, undertake repairs and improvements, or deal with tenant related issues.

Tenancy costs are cost of advertising for tenants is tax-deductible, so are letting fees paid to property managers who procure tenants on your behalf. Any expense incurred in relation to preparing or varying the lease with your tenant is also tax-deductible, even though such expenditure is usually considered capital in nature.

Repairs and maintenance are cost of restoring something to its original condition due to tenant wear and tear is tax-deductible, provided it is not “initial repairs” – damage that existed when the property was purchased.

Depreciating assets are stand-alone functional units that are not generally affixed to the building that decease in value over time. Examples include clothes dryers, dishwashers, curtains and carpets.

Capital works expenses are generally not tax-deductible upfront. Unlike depreciating assets, capital works are generally done on things that are affixed to and become part of the land and building, such as an extension, structural alteration or and structural improvement, such as a retaining wall or a sealed driveway.

Note: Situation might differ on a case to case basis therefore it is advised to consult a financial professional or a tax agent before making any investment decision.