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Interest-Only Loans
Lower repayments during the interest-only period
What Is an Interest-Only Loan?
With an interest-only loan, your repayments cover only the interest charged on the loan balance for a set period — usually one to five years. You are not required to repay any principal during this time, which significantly reduces your minimum monthly outgoing. After the interest-only period expires, the loan converts to principal and interest repayments over the remaining term.
Why Choose an Interest-Only Loan?
Interest-only loans are a widely used strategy among property investors. Lower repayments preserve cash flow, which can be redirected to other investments or to cover property expenses. For investors using negative gearing, the interest component is also potentially tax-deductible — making this structure highly tax-efficient. Owner-occupiers may use interest-only periods when cash flow is tight in the short term, such as during a renovation or parental leave.
How to Get Started
We'll assess your investment strategy and cash flow requirements, then identify lenders that offer competitive interest-only terms suited to your profile. Our brokers will guide you through lender serviceability requirements and help you plan for the transition back to principal and interest repayments. Book a free consultation to explore your options.
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