Do you feel like your property portfolio is in a rut? Are you just going through the motions until you hit an age where you can reap the rewards of your property investments?

Well, today is the last day you are going to feel like that as long as you are willing to take that leap and make a change

We now have access to a lender who has home loan rates starting at 2%! Yes you read that right! Edge Lending Solutions in Toowoomba has access to 2% home loans!

As you'd expect, there are a few conditions.

First of all, you need to bring along both a home loan and at least one investment property loan.

The lender will tilt the investment rates on your home loan (the bad debt) down to as low as 2% while adjusting up the investment debt (the good debt).

EXAMPLE: JOHN & AMANDA

 Before Loan & Repayment Structure:

After Loan & Repayment Structure:

What have John & Amanda achieved so far?

#1 - Significantly reduced interest rate on their home loan which allows them to pay the debt down faster

#2 - Increased the tax deductions on their investment properties by $635 per month, enhancing their tax returns at tax time.

#3 - Reduced the actual dollar amount of interest and repayments across the portfolio.

But! They can further improve their position by using an advanced strategy

John and Amanda are now in a much more efficient cash flow and liability position than before. However they can further accelerate their home loan reduction by using a smart cash flow and budgeting technique.

What does the ATO think? Surely this is tax avoidance?

Here's the best part - the ATO is completely on board with this system. The ATO Product Ruling (PR 2015/2) allows borrowers to obtain normal tax deductions as with normal investment lending.

If you are interested or want to know more, send a message through our contact us page.