Property investors

Get more information about property investment

Whether you’re investing in property for the first time, or adding to your current portfolio, it’s a big step. So we’ve put together a stack of information to help you understand the many critical factors that need to be taken into consideration:

• Benefits of investing in a newly built Carlisle Home The benefits of choosing Carlisle as your investment home builder
• Property investment opportunities and tips Find out why property investment is more stable than other forms of investment

• Investment property checklist It pays to think about what you hope to achieve with your investment property
• Finance and calculators for property investors See how much you can afford to borrow or how much you can expect as a return on your investment

• FAQs for property investors Frequently asked questions about property investment
• House & Land Packages Packages make it easier and faster to purchase investment property
• For property investors, understanding potential returns is crucial. Use our Investment Property Calculator to estimate rental yields and overall profitability

Be careful of overcapitalising on your property 

It may make recouping investment costs unachievable. But if you’re thinking about living in the house yourself later on, then overcapitalising is probably less important.

Size of the property is important

Too large and rental income may be insufficient to cover the cost of the property. Too small and you may not get the kind of tenants you want.

What kind of tenants would be ideal?

Young couples with kids? Or empty-nesters with steady retirement income?

Do you need regular income from your investment property?

Or additional income to superannuation? Is rental demand high in the area you’re looking to build?

Sound, qualified property advice

When it comes to property investment the more you know, the more successful your outcome will be. Take the time to consult with a qualified financial advisor such as one of our in-house construction finance specialists.

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We will help you

Whether you are first-time investors or you looking to increase your current property investment portfolio, Carlisle Homes can help. 

Buying an investment property with Carlisle Homes

An investment property is a popular wealth creation tool because it is relatively low risk, helps grow capital, and provides regular cash flow in the form of rental income.

Wanting to invest in property but don’t know where to start? Our experienced mortgage consultants can help you create a financial solution tailor-made for you and your circumstances.

Work with one of our in-house construction finance specialists - they will take the hard work out of finding the right property investment loan for you.

Our finance specialists will help you

• Determine how much you can afford to borrow
• Complete a quick and easy home loan pre-approval application
• Compare financial products of all major banks and lenders to find the right loan and structure for you
• Use the equity in your existing property to purchase an investment property Structure your loan for ease of reference for tax purposes Set up a package that is tailored towards multiple loans or properties

Why invest in property?

When you’re building long-term wealth, investing in property has proved to be a low risk and stable investment strategy. History has shown that overall property values rarely go down. In comparison, investing in the stock market is a much higher risk investment. If you take the time to select your investment property well, you’ll not only benefit from a good return on your investment, but also receive steady cash flow from rental payments. You can also invest your super via a Self Managed Super Fund (SMSF), read more about investing in property with a SMSF here.

How different will an investment loan be to my existing loan?

If you’re borrowing for an investment property - rather than a home you’re going to live in - some lenders may charge a higher interest rate because they see the risk being greater. But not always! That’s why it pays to explore all of your options and research loan providers. Talk to one of investment property loan specialists or read more about loans for property investment at Mortgage Domayne.

Can Carlisle Homes provide me with property investment advice?

Yes. We recommend you talk to our financial advisors at Mortgage Domayne - an industry-leading finance team available 7 days a week to help you find the right property investment loan for you.

Is Carlisle Homes a Licensed Mortgage Broker?

We work closely with Mortgage Domayne as our recommended Mortgage Broker. They are an industry-leading brokerage, and have recently won the Australian Mortgage Awards for “New Brokerage of the Year”. Read more about Mortgage Domayne here.

What type of investment property will get me the best return?

When you’re investing in property it’s usually all about capital growth, so choosing a property that is most likely to increase in value is the most important thing to consider. Also, making sure that your property will provide you with steady rental income stream is also critical because this cash flow will provide income. To help you make the right decision on which type of property will help you get the best return for your investment please read our Property investment tips and opportunities.

Can I invest in property in Australia if I live overseas?

If you are an Australian citizen or Permanent Resident buying property is pretty straightforward as long as you have the financial means to do so. However, if you’re neither of these the process can be a bit more complicated. Please read the FAQs on the Australian Government Foreign Investment Review Board website.

Which suburbs are Carlisle Homes located in?

Carlisle Homes builds new homes all across metropolitan Melbourne. Please see where we build or visit a display home location today.

Which home designs are best for property investors?

With over 70 new home designs to choose from Carlisle Homes has a design for every investor’s budget! Choose from single or double storey designs from either our three design ranges:

• EasyLiving Series - home buying made easy
• The Inspire - true display living
• Affinity Collection – affordable luxury Read more about suitable home designs for property investment

Read more about suitable home designs for property investment.

Do you only build in outer-suburban 'greenfield' estates?

No, we also build on vacant land you may already own, or as part of a Knock Down Rebuild project.

Do I need a property investment financial advisor or accountant?

You may seek out your own property investment advisor or accountant or you can also chat with our property investment specialists at Mortgage Domayne.

How do I choose the right loan for my investment property?

The right loan will depend on several factors including how much equity you may have in your current home. If you need some help finding the right loan for you please contact our property investment specialists at Mortgage Domayne.

Can I use equity in my existing home to buy property?

Yes. If you’re already a home owner you may not need a deposit to fund the purchase of your investment property. Instead you may be able to use the power of your existing home’s equity.

If you have owned your home for a few years there’s a good chance you have built up some decent equity (the difference between your home’s market value and the balance of your mortgage). Want to know more about how to use the equity in your current home to buy your investment property? Get in touch with our property investment specialists at Mortgage Domayne.

What's negative gearing and how does it work?

When it comes to property investment, gearing just means that you’re borrowing money to invest in property. That’s what it means to get a loan to invest in property. The reason why investors do this is that gearing allows you to invest in an asset of far greater value than you could afford otherwise.

Negative gearing is when the cost of owning and maintaining a property (including interest on the loan – but not repayments on the principal loan amount) outweighs the rental income of the property. The reason why this is called negative is that the difference is a loss that can be claimed as a tax deduction, reducing tax payable on other types of income including your wage or salary.

What’s positive gearing and how does it work?

Positive gearing occurs when the income from your investment property exceeds your interest expense and other deductions. In this case, you may be subject to additional tax on income derived from your investment property.

What is co-ownership and joint ownership?

Co-ownership and joint ownership means that you can pool your financial resources with friends and/or family to help you invest in property. However, this strategy carries more risk because one of your co-investors may become bankrupt or suffer other financial hardship. If you choose this strategy please ensure you access to the right legal advice to create a contract that outlines each applicant’s commitment and percentage of ownership after paying off the mortgage.