Start with the objective
Clarify the purpose of the investment and your other financial commitments.
LOOK BEYOND THE PURCHASE PRICEAn investment.
An investment.
A wider view.
An investment loan sits inside a much bigger household picture. Let's consider cash flow, existing debt, buffers and the lending structure alongside your plans.
- Look at all your borrowing together.
- Allow for vacancy, costs and contingencies.
- Coordinate lending questions with your tax adviser.
FOSTER RAMSAY FINANCE
Chris Foster-Ramsay
Managing Director
Clear advice.
A considered next step.
Chris Foster-RamsayManaging Director
A USEFUL FIRST CONVERSATIONWhat we will
What we will
work through together.
No one-size-fits-all promise.
Just a thoughtful place to start.
Test the ownership budget
Include vacancies, management, maintenance, insurance and ongoing finance costs.
Consider the structure
Discuss lending options with reference to advice from your accountant and other advisers.
A QUESTION WORTH ASKING
Can I use equity in my home?
It may be possible, but available equity and borrowing capacity need to be assessed separately. Using your home as security adds risk. Tax outcomes depend on circumstances, so discuss the structure and use of funds with your accountant.
Explore the explanationThis is lending information, not a recommendation to invest. Property values, rental income and investment returns are not guaranteed.
Explore investment financePut borrowing alongside your wider property plans.Understand your equitySeparate property equity from further borrowing.
Discuss my investment plansBring the question on your mind; we can work through what matters for your circumstances.Phone, video or office appointment. You can start with questions.
Choose a time with Chris ↗