The "Negative Gearing" Newbie
Okay, I’m ready to stop being the only person in the office without an investment property, but looking at these loan structures is making my brain melt. I see that Write Finance talks about 'Interest Only' vs 'Principal and Interest' for investors—is the interest-only thing actually a smart move, or is it just a trap for people who like living on the edge? Does a broker help you figure out the tax stuff, or am I expected to be an accountant AND a landlord at the same time?
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You’re definitely not alone — investment loan structures confuse a lot of people at first. Interest-only loans can be smart in the right context, especially for cash flow and potential tax deductibility, but they’re not a one-size-fits-all win. A broker who understands investment property loans brisbane will walk you through the pros and cons, model different scenarios, and coordinate with your accountant so nothing is missed. You don’t need to be a tax expert — just smart enough to build the right team.