Rachelle Kroon
speaker
1,226 appearances
5 recordings
1 series
first heard Apr 2026
last heard 24 Aug
Rachelle Kroon’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 5 in all, peaking in Jul 2026 with 3.
Appearances
And they use the equity they've built in that home to buy their first investment property.
When that strategy happens, it is a no brainer
that you pay interest only on the investment and that you funnel all of the extra funds into your non-tax deductible debt being your own home.
But if you're a first-time property investor buying as an investment property, it might
change your strategy, you might decide to do principal and interest because you want to reduce the debt.
Or if your strategy involves buying more properties, you might decide to go interest-only to reduce the cash flow needed to hold that property so you can continue your investment journey.
We like to do scenarios.
So we like to do multiple scenarios and give the client the choice.
At the end of the day, I would never recommend one or the other, especially if – unless it was a – you know, you had that mortgage and an investment property.
Yeah.
But if you have – this is your only mortgage because you're a first-time investor, I would give the scenarios.
These are the repayments principal and interest.
These are the repayments interest-only.
This is the rate both ways.
We're working with a client at the moment who's building a jewel lock in Queensland and it's for investment.
They're doing a parental guarantee.
So a parental guarantee, a jewel lock, it will be solely for investment purposes and
He has just chosen to go principal and interest on the product based on his repayments, his risk tolerance.
He could go interest only even though it was a parental guarantee, but he's chosen to go principal and interest because the rate was less.
Yeah.
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