Commercial Property Loans For Professional Investors

16 April, 2014 by Leave a Comment

Commercial-Property-1

YOU’VE WORKED HARD your whole life; and had a successful career. You have used your money wisely, and your investments have been mostly successful.

As a result you have built up a solid asset base with a number of properties, which are positively geared and provide you with reliable rental income.

It is now time to enjoy life, scale down your workload, travel and do the things you always wanted to do.

You stumble upon the perfect Commercial property opportunity that will provide you with enough rental income to have the lifestyle that you want. [Read more…]

Filed Under: *Expert Panel, Finance, Industrial Sector, Market Sectors, Offices, Retail Sector

Commercial Property Loans: Fixed Rate for How Long?

18 February, 2014 by Leave a Comment

 

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IN PART 1, we gave you some advice if you are deciding whether or not to fix your loan.

Today, we continue where we left of with three guidelines to help you avoid a few more common pitfalls when it comes to fixing a loan. [Read more…]

Filed Under: *Expert Panel, Economic Issues, Finance, Industrial Sector, Interest Rates, Market Sectors, Offices, Opportunities, Retail Sector, Your Exposure Tagged With: , , , , , , , , , , , , , , , ,

Commercial Property Loans: To Fix or Not to Fix?

11 February, 2014 by Leave a Comment

Commercial-Property-Loans

INTEREST RATES REMAIN at historically low levels. And the competition for business between banks and non-bank lenders is fierce.

As a result, you can find some very attractive fixed rate options in the market at the moment.

However, if you are considering fixing an existing loan or taking out a new fixed loan, you must understand some fundamental rules that govern these loans.

The following guidelines will help you structure your fixed loans to provide the most benefits for both your residential and commercial investments. [Read more…]

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Limit The Security You Grant to Your Lender

29 January, 2014 by Leave a Comment

Security

IN MY LAST ARTICLE, you read about the various securities lenders can take over your property, in addition to mortgages.

This article will highlight various options for improving your security position when borrowing as a means of maximising your asset protection. [Read more…]

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Part 2: More About Your Loan Security

27 November, 2013 by Leave a Comment

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IN THE LAST article, you read about two different types of security that lenders can take other than the mortgage. They were “Fixed and Floating Charges” and “Personal Guarantees”.

However, there are a few other forms of security that you should be aware of before entering into any agreements. Read on to find out more. [Read more…]

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What Creates Security for Your Loan?

20 November, 2013 by Leave a Comment

Loan-Security

WHEN YOU TAKE out a property secured loan, you understand that a lender will register a mortgage against the property that is being secured.

However, typically, when you read through actual loan agreements, the mortgage is just one part of the security that is taken.

In this article, we will be looking at some of the other types of security that lenders will typically request when applying for a loan. [Read more…]

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Debt Recycling & CGT for Your Commercial Property!

15 October, 2013 by Leave a Comment

DebtRecycle

DEBT RECYCLING INVOLVES converting bad debt into good debt. In other words, converting debt you cannot claim as a tax deduction into debt that you can.

This can be a little complicated to explain so take a look at a couple of practical examples. [Read more…]

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Using Non-Conventional Lenders … Part 2

9 October, 2013 by Leave a Comment

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IN PART 1 of this article, you read about some of the reasons you might want to use a non-conventional lender. And about two types of non-conventional lenders that could be useful to you — Mortgage Funds and Solicitor’s Funds.

If you missed it, you can find the original article here.

Anyway, you read on now … to learn about three more non-conventional lenders. [Read more…]

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Have You Considered Non-Conventional Lenders for Commercial Property?

1 October, 2013 by Leave a Comment

Lenders

LIKE MOST COMMERCIAL PROPERTY investors … you are mainly concerned with obtaining the best rates and terms possible, when it comes to funding options.

As a general rule, you will find these with the major and second tier banks — their cheap cost of funds are able to on-lend at often attractive terms. And in the current environment of high competition for business and low interest rates, the bigger lenders are a good place to start. [Read more…]

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How to get the Best Pricing For your Commercial Loans

17 September, 2013 by Leave a Comment

Commercial-Loans

COMMERCIAL PROPERTY FINANCE rates and fees are much more fluid than those associated with residential loans.

To get the best deal, you should know what the banks look for and consider the other factors that go into pricing for commercial loans. The following ways may assist you in securing better pricing for your commercial loan. [Read more…]

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How to Use the Equity in Your Commercial Property

27 August, 2013 by 6 Comments

Equity-Release

RESIDENTIAL PROPERTY INVESTORS commonly release equity in their homes in order to invest in other property. But can you do the same with your Commercial property?

Equity in Commercial Property

It is possible for you to utilise the equity in Commercial property … but it is a bit more difficult and complex than with residential property.

Banks are more risk-averse to Commercial property funding than they are to the residential market. And they will want to have some measure of control over the use of funds — before releasing cash to you. [Read more…]

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