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Abdul

9 months ago

Hi Sathesh. I am a financial Adviser and broker and we specialise in exactly what you are willing to do. We will go over your negative gearing, tax offsets etc. Please feel free to contact me from my profile page if interested.

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Karen

11 months ago

Hi Satesh, Great to see that you are now wanting to venture into the investment space. We specialise in investment lending and it is always important that you speak with a specialist accountant to ensure that you have everything set up in the correct manner. Please contact me via Hashching to speak further about your options. Regards Karen

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Bernie

11 months ago

Hi Sathesh, The first part of your question about using your equity to purchase an investment property is commonly used to get that start into property investments either by cross collateralising the two properties or borrowing 80% and borrowing the 20% deposit and costs against your owner occupied property. In regards to the vehicle you use and the tax deductibility of the interest, I recommend you speak to your accountant or a financial planner to decide the best option for you. You could purchase in your own name, a trust. your self managed superfund. Each vehicle has implications about tax deductibility of interest, capital gains tax as well as asset protection. Either way, lenders would still look at your income, liabilities and expenses as well as the rent on the new property. Happy to talk further to you. You can find my contact details on my profile. Regards Bernie

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Suman

11 months ago

Hi Sathesh, You cannot claim benefits of negative gearing under family trust. Your experienced accountant can find the right structure to suit your needs. I can assist with home loan. Please feel free to contact me through my profile.

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Amanda

11 months ago

Great question, negative gearing is still a great tax vehicle. Working with a family trust would be a personal choice but not particularly necessary when seeking negative gearing. Using your owner occupied property as equity would largely depend on your individual circumstances but certainly if you have equity in your Family home u may want to use this to purchase an Investment property. Cross collatirization is not always necessary either. I hope I’ve helped but very happy to chat further if required

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