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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 5.24% (5.94%*)
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Boost Your Property Profits Now: Discover 7 Essential Investment Strategies

Investing in property is an endeavour where the head must rule the heart, especially if your goal is to maximize financial returns. Understanding this, let’s delve into seven strategic ways to boost your investment success. 1. Prioritize Location Location significantly influences a property’s price and rental trajectory, accounting for up to 80% of its long-term performance. Opt for locations based on objective data rather than instinct. This might involve personal research or engaginga buyer’s agent for insights. 2. Be Selective with Your Property Choice Avoid properties that come with inherent issues like structural defects or pest problems, as they can lead to costly future repairs. Utilize building and pest inspections to mitigate these risks. Properties in noisy areas or far from conveniencesmay also suffer from stunted growth in value and appeal. 3. Opt for a Competent Property Manager A proficient property manager is an asset, potentially enhancing your income by securing

Exploring the Reasons Behind Australia’s Persistent Housing Shortage

Delving into Australia’s housing crisis, the alarmingly low vacancy rate of 0.7% serves as a stark indicator of the situation. A balanced housing market would exhibit a vacancy rate between 2-3%, suggesting a significant shortfall in available housing. This “unprecedented low” highlights a severe, ongoing undersupply in the market. The surge in demand is primarily fuelled by robust population growth, notably driven bynet overseas migration, which reached a staggering +517,000 in the year leading up to June 2023. This figure, combined with natural population growth of approximately 90,000-100,000 annually, underscores the pressing need for housing. The current migrationrate is a significant leap from the pre-COVID average of 217,000, further exacerbating the supply issue. The gap between housing demand and supply is widening, with the Federal Government indicating a need for an additional1.2 million dwellings over the next five years merely to keep pace with demand. However, project

Homes as High Earners: Navigating Australia’s Surging Property Market

In this eye-opening article, Caroline Riches explores how, amidst soaring property prices nationwide, many homeowners are finding their homes earning more than they do. With PropTrack reporting a significant 6.15% increase in national property prices”a pace not seen since July 2022″homes in certain suburbs are outpacing the average Australian wage in terms of earnings. The analysis leverages PropTrack’sautomated valuation model to spotlight suburbs where median property price growth has exceeded the typical full-time adult’s gross weekly earnings. From luxury locales in capital cities to more affordable neighbourhoods, the article covers the breadth of Australia, offering insights into where homes have become the main income source for their owners, dramatically reshaping the landscapeof personal finance and investment. https://www.realestate.com.au/news/the-suburbs-where-homes-are-earning-more-than-their-owners/

Unlock Wealth: 6 Reasons to Choose SMSF Property Investment for Your Portfolio

Investing in Self-Managed Superannuation Fund (SMSF) properties presents numerous advantages that can amplify your returns. Here are six reasons why incorporating SMSF property investment into your portfolio could be beneficial: Reduced Income Tax Rate at 15%: SMSF properties attract a significantly lower tax rate on rental income compared to personal rates, which can be as high as 45%. This 15% rate enhances your net investment returns by loweringyour tax expenses.Lower Capital Gains Tax of 10%: Enjoy a reduced capital gains tax rate of just 10% when you sell your SMSF property after a holding period of over 12 months, allowing you to keep more of your profit.Tax-Free Income in Retirement: The benefits escalate in retirement, with both rental income and capital gains from SMSF properties becoming completely tax-free, boosting your retirement funds.No Taxes on Retirement Gains: Post-retirement, enjoy zero tax on earnings from your SMSF property investments, securing more financial fr

Unlocking Your Financial Future: A Prime NDIS Investment Property 24km from Melbourne with $190k Annual Income – 80% Finance Available, No Income Verification Required, Just $220k Deposit

Did you know investing in NDIS properties is not just smart for your wallet but also benefits the government? Instead of burdening the system, these investments help NDIS participants live independently, moving them out of healthcare/agedcare and into their own space. 🏡💡 Here’s the scoop: NDIS investments can often be financed through construction loans or even your SMSF (though it’s about 10% pricier).These properties are hot and sell out fast! What’s available today might be gone tomorrow, but don’t worry, there’s always something new on the horizon when you’re ready to dive in. 🔑 Finance Essentials: Got a credit score of 650+ with no defaults? You’re in!Enjoy up to 80% financing.Rates are at 8% interest-only during construction, then shift to 7.2% P&I over 25 years.Expect standard fees around $12,560, with construction fees at 1.5%, and your accountant can help set up a Corporate Trustee.Alternative finance available to 90%, taking into account current f

Boosting Borrowing Capacity for Home or Investment Loans

Enhancing your ability to borrow is a pivotal step towards achieving your home ownership or property investment goals. As a mortgage broker, I play a fundamental role in this journey, providing an essential service by connecting you witha diverse range of lending options. I customize loan solutions based on your unique financial situation and deliver expert guidance throughout the process. With my assistance, you can substantially increase your chances of securing the most favourable termsfor your home or investment loan, bringing your dream of property ownership within closer reach. Your borrowing capacity is the ceiling set by lenders based on factors like your income, expenses, existing debts, and credit history. It determines the maximum amount you can borrow, influencing both the properties you can consider andthe terms of your loan. In my role, I assess offerings from over 60 lenders, ensuring that maximizing your borrowing capacity is a priority, even over finding the lowest i

For Sale || NDIS – single contract Property

When I do come across any NDIS investment properties that are available as a single contact and ready to buy and rent out ” Im happy to post about. If you interested in more details I would call me asap ” it will go fast as I don’t haveas an exclusive offer. Finance :- 90% full doc funding available80% stand alone finance ” no servicing One only NDIS Completion 6-8 weeks Melbourne, VictoriaSMSF suitablePrice $1,065,000 – Rents $184.000* P/ANDIS options available across Australia. #buyinvestlive

Do credit cards affect my borrowing capacity?

Did you know your borrowing capacity decreases by approximately 4-5 times your credit card limit, not just the balance? For instance, a $10,000 credit card limit could mean your borrowing capacity is reduced by up to $50,000. There’s no need to adjust your credit card limit before our discussion, but it’s a strategy we can explore to enhance your financial goals. Wondering what else impacts your borrowing capacity? Factors include late payments, any defaults, HECS debt, and certain living expenses. In summary, if you’re curious about your borrowing capacity and how to optimize it for your future purchases or investments, let’s have a conversation. #buyinvestlive

Retire with Ease, Stay in Your Home

Retire with Ease, Stay in Your Home >> Wondering if you can retire early without selling your home? There may be a way! With a Reverse Mortgage, you can refinance, release equity, and stay in your home. Here’s how it works: take your age and subtract 40 – that’s the maximum % you can borrow in one lump sum or as a regular payment. Key Benefits:- – No Repayments: The debt is repaid from the future sale of your property. – Stay in Your Home: Enjoy your home and community for as long as you choose. – Ownership Benefits: Remain the owner and benefit from potential property value increases. – Flexible Use of Funds: Use the funds for anything to enhance your retirement. – Voluntary Repayments: Variable interest rate allows for voluntary repayments. – No Negative Equity Guarantee: Your estate is protected. – Flexible Drawdown Options: Choose from lump sum, regular advances, or a cash reserve. Let’s chat if this might be of interest to you! PS – you need to see a financial planner a

Quietly Sold: How Off-Market Properties Can Work for You

Discover Secret Listings: Why Off-Market Properties Are a Game-Changer In today’s highly competitive real estate market, finding the perfect property can feel like searching for a needle in a haystack. That’s where off-market properties come into play, offering a unique and often overlooked opportunity forboth home buyers and investors. What are Off-Market Properties? Off-market properties, also known as pocket listings or exclusive listings, are homes that are for sale but not publicly advertised on the Multiple Listing Service (MLS). These properties are typicallymarketed through private networks, word-of-mouth, or direct connections with real estate agents. Why Consider Off-Market Properties? Reduced Competition: With fewer buyers aware of these properties, you face less competition, increasing your chances of securing a great deal without the bidding wars often seen in a hot market.Exclusive Opportunities: Off-market listings can include unique and high-value properties that

Australian Property Market Outlook: What to Expect in the Coming Years

In an illuminating survey conducted by Reuters in February, insights from 14 esteemed property analysts suggest an optimistic trajectory for Australian property prices over the next two years. The consensus? A projected annual growth rateof 5%. Despite witnessing significant price surges over the past three years, the forecast signals no halt in momentum. The underlying reasons? A mix of economic stimuli and demographic trends. Key Insights: Increased Borrowing Capacity: ANZ’s senior economist, Adelaide Timbrell, highlights an upcoming boost in borrowing capacity for Australians, attributed to tax cuts and anticipated rate cuts. This financial flexibility isexpected to fuel further growth in housing prices.Population Growth & Construction Backlog: The relentless pace of population growth, coupled with a notable backlog in home construction, lays the groundwork for sustained demand. This demand-supply imbalance is pivotalin driving the market forward. February’s Performance: A Sna

Attention Property Investors! Are you pre-approved and ready to buy?

Attention Property Investors! Are you pre-approved and ready to buy? I asked an agent for their “best buy” last night, and this is currently available for sale : a $690k 4-bedroom home with a double garage and alfresco area (and more) in Caboolture, just 44km north of Brisbane. The land is registered, and construction can commence immediately, with an estimated 9-month completion time before tenantscan move in. Interested in understanding your borrowing capacity or getting pre-approved? Let’s have a 10-minute conversation to explore your options. Feel free to reach out! #buyinvestlive

Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
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