“9 years ago I took the plunge in buying my first Sydney property, a modest 2 bedroom apartment in Alexandria. I remember procrastinating for at least 2 years before I made that decision, thinking I didn’t have enough deposit and coming up with all sorts of excuses.  In 2012, I sold the apartment, but I regretted delaying the decision to buy as all my fears back then turned out to be completely unfounded.  If you’re looking to buy your first home and you have some doubts, I suggest you talk to the experts to get a different perspective and to demystify potential misconceptions.”

                                                                                                                             – Chen, aged 40

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The structure of your loan is really important if you have a view to long term investing.

You may or may not have heard of cross collateralisation or cross securitisation, however it is one of the fundamental structural concerns to get right from the outset.

So what is it?

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When it comes to investing in property there are two main areas to consider – how much will it cost to hold (holding costs) on to and how much will it grow (capital growth) over the time you plan to hold it?  

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