What is Investment Property Funding?
Investment Property Funding is a short- to medium-term finance solution designed for property investors looking to:
- Acquire residential land or rental properties
- Land bank for future development
- Refinance existing investment loans or non-bank facilities
- Release equity for further investments or business use
- Refinance residual stock after a completed development
- Bridge the gap between purchases or sales
- Second Mortgages – fast-access equity without refinancing your main loan.
Why Choose Capital Connect for Asset Finance?
- Tailored Solutions: We understand that every business has unique needs. Our Asset Finance solutions are customized to suit the specific requirements of your industry, ensuring that you get the right funding for the right assets.
- Flexibility in Repayment: Our flexible repayment plans align with your business's cash flow, providing you with the freedom to manage your finances effectively. This flexibility reduces the strain on your working capital while allowing you to benefit from essential assets immediately.
- Competitive Interest Rates: Capital Connect is committed to transparency and fairness. Our Asset Finance solutions come with competitive interest rates, making it cost-effective for you to acquire the assets your business needs to thrive.
Maximizing Property Investment Opportunities Through Flexible Residential Lending
- Land Banking while clients get to consent: This involves securing a loan to purchase undeveloped land with the intention of holding it until development consents are obtained, at which point the land's value may have increased significantly.
- Residual stock – If they need to refinance away from their development funder: After a development project is complete, there might be unsold units ("residual stock"). Residential lending can be used to refinance these units away from the more expensive development funding, allowing for more flexible holding periods.
- Long term investment holds – interest only options available: For investors focused on long-term capital growth or rental income, interest-only loan options can be attractive. These allow borrowers to pay only the interest portion of the loan for a set period, reducing immediate outgoings and freeing up cash flow for other investments or expenses.
- Capitalised lending options: This can refer to loans where interest payments are added to the principal balance rather than paid upfront, often used in development projects or during periods of negative cash flow, where the interest is "capitalized" into the loan
- Land lending: Specifically for the purchase of undeveloped land, separate from construction loans. This allows investors to acquire land for future development or as a long-term hold.
- High LVR (Loan-to-Value Ratio): While generally associated with higher risk, some lenders may offer residential loans for investment properties with a high Loan-to-Value Ratio. This means the borrower contributes a smaller deposit, and the loan covers a larger percentage of the property's value. However, this often comes with higher interest rates or more stringent eligibility criteria.
Key Benefits of Asset Finance with Capital Connect:
Accelerated Growth
Acquiring crucial assets swiftly accelerates your business growth. Whether it's expanding your fleet, upgrading technology, or investing in machinery, our Asset Finance options give you the competitive edge.
Preservation of Working Capital
Instead of tying up your working capital in upfront asset purchases, Asset Finance allows you to preserve liquidity for day-to-day operations, emergencies, or other strategic investments.
Tax Efficiency
Depending on your location and financial structure, Asset Finance may offer tax advantages. Our team can guide you through the tax implications, helping you make informed decisions.
How to Get Started:
Working capital
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Commercial Mortgages
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Property Development Funding
Property Development Funding
We’re here to assist you with all your needs. Whether you have questions about our services, want to explore financing options, or require personalized assistance, our team is ready to help.
