Why investors refinance
- Secure a more competitive investor rate
- Renew or restructure an interest-only period
- Access equity for another property deposit
- Separate owner-occupied and investment debt
- Improve cash flow with a better loan structure
Serviceability is key
Lenders assess rental income, personal income, living expenses, existing debt and buffers. A strong strategy can help match the right lender to your investor profile.
Loan splits and deductibility
Clear loan splits can make investment debt easier to track. CredQ can coordinate with your accountant where tax treatment or deductibility needs to be considered.
Portfolio planning
If you plan to buy again, refinancing should consider future borrowing capacity and not only the immediate repayment saving.