Investment Property Loans

and  home loans are basically the same, it's the purpose of the loan which sets them apart.  A Home Loan by definition is finance to purchase a property in which you will live in ie. become your home, or a home loan maybe to refinance your lending from one bank to the next but still mortgage by your home.

An investment property loan is lending to purchase a property from which you will derive an income from and is not your principle place of residence.  The other major difference between the 2 styles of loans is the tax implications.  A home loan is a non taxable debt, however an investment property is taxable debt and therefore can be used for negative gearing purposes.  This is only a general rule and your accountant's advice should be followed in all cases.

The majority of lending institutions have similar products regardless if the loan is an investment property loan or a home loan.  In the past interest rates have been slighly higher with some banks for investment loans, however in today's lending arena they are the same.

Please refer to the Home Loan page for information on what City Edge Finance can do for you .