Most residential property investors throughout Australia and New Zealand are relatively inexperienced in the area of property investment finance – after all, eighty three percent of them own just one investment property. How do they stay abreast of the myriad of finance packages being currently offered by financiers, banks and mortgagees to find out what suits them best?

The decision about which is the best finance product for the individual investor depends on many factors: the size of the deposit, the projected rental income, the investor’s capacity to repay the debt and their personal income tax situation.

All of the above issues require ongoing expert advice and it pays in the long run to consult someone with expertise in the area. It never makes financial sense to try to save money by going it alone as mistakes are likely to be costly. Most start by discussing their needs with their accountant, who is the person who knows not only their personal financial details but also the broader economic and financial climate in which they will be making their investment.