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If you live in Australia, particularly Victoria, perhaps you have noticed the investment boom around you. Perhaps you live on another continent but have overheard discussions of the housing boom and property investment opportunities. Either way you likely want to cash in on the deal while it's still growing, otherwise you wouldn't be here reading this article.

To make the most of these investment opportunities, you'll need to be able to invest in many different properties. You might already know some ways to secure financing for this, at least on a smaller scale. However, if you can use several different creative financing techniques, you could increase the size of your portfolio; going from just a few properties to dozens - and creative financing is the way to do this.

Creative Financing

There are three things you need to know in order to get started. If you really want to be a successful property investor and increase your portfolio you need to be educated on the many different financing techniques available to you. You need to know what these techniques are and have a few examples explained to you. Then you need to know how to find the right independent financial investor who can provide tailored service and advice.

To do well as a property investor, you'll need to use some creative financing techniques. This means using non-traditional sources of funding for your real estate purchases.

The idea behind using these creative financing techniques is to help you buy property even when you don't have the necessary capital to do so - or simply do not wish to use your own money. This sort of financing is called leveraging and involves using other people's money to buy property.

Some Creative Financing Techniques:

Simultaneous Closing: This gives the seller financing without having to actually take out a mortgage. At the time of closing, the title is handed over to the new buyer and at the same time, the mortgage is sold to a note investor as a cash sale.

Subject-To: This transaction is a creative finance technique in which a buyer is able to take the title of the property without procuring a note themselves. This involves the seller of the property leaving their existing financing in place then the buyer does not need to pay transaction costs or loan fees of any kind. This entire process is similar to assuming a loan. However, it occurs without the consent of the original lending institution and thereby violates the terms of the loan.

There are other creative financing techniques available, including - land trusts, private mortgages, hard money loans, owner carry back, seller seconds, credit partners, retirement accounts, 1031 exchanges and many more.

An independent financial advisor can assist you with their expert investment advice. These professionals can assist in many ways:

They can assess your borrowing capacity.

An advisor will be well versed in lender guidelines.

Can determine which lender will view your unique situation in a favourable light.

They can save you much time by doing the necessary research for you.

Explores all the options that are available to you and can help present the right ones for you to choose from.

They can show you opportunities and financing techniques which you may not have known about.

Organises the entire loan process for you.

They look after your interests and help you avoid lending traps.

Assist you in many ways, even after the loan process is complete.

They can offer you offer personalised service.

They can show you techniques which will save you thousands in the long run.

An independent financial advisor can grant you access to many options which lenders would happily keep you in the dark about. The creative financing techniques they can assist you with can quickly expand your property investment portfolio.

So if you really want to capitalise on the property investment boom in Australia and you need to know how you could finance your investments, consulting a financial advisor and searching out creative investment ideas will aid you in increasing your investments . Just imagine, you can go from owning just 2 properties to owning up to 20 or more inside of 2 to 5 years.

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