Investment Property Ladder in Bella Vista | Loan service

Investment Property Ladder

Locality: Bella Vista

Phone: +61 451 815 830

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• Loan service
• Investing service
• Financial planner

25.01.2022 Tax Preparation Tips for Property Investors: With another financial year almost over, it is time to start preparing your tax returns. Take this time of the year, to re-evaluate and make new goals and examine your financial plans. These are some our tips to get you prepared for the tax time: 1. Understand what you can claim- Know what is deductible- Learn the difference between what is claimed as an expense and what is depreciated over time (-new changes were made to plant & e...quipment deductions from 1st July 2017 and this may affect owners of an investment property) 2. Keep a clear and concise record of all expenses- Be Organised. This takes the headache away at tax time plus could save you money as some Accountants charge depending on how much work and paper they must shuffle. Try and keep a separate folder for each property with dividers for all expenses 3. Get a reputable Accountant who works with investors- This is very important and crucial to you getting the best out of your portfolio investment 4. Don’t forget to claim for work-related deductions i.e. uniform, tools and travel etc- talk to your Accountant about these deductions 5. Check your returns before signing and ask questions to understand the tax implications of your investments Does anyone else have some helpful tips? See more

25.01.2022 When is the right time to buy a property? Question that we get asked the most...Our answer," As soon as you can afford a deposit". Don't be put off by the real estate cycle. Booms and downturns come and go. Both are unavoidable and neither lasts forever... We determine the current position of each market, and there are some that aren't great options at the time, our intend is to choose a market with good growth potential...

24.01.2022 Some Property Specific things to consider when purchasing your Investment Property....We consider these and more with all our recommendations ...Research is key!! LOCATION SPECIFIC What development effort is taking place in the area?... Is there adequate public transport in the area? If so, what type? Is the property located close to schools, shops and medical services? What other facilities/infrastructure are available locally? Does the area have a high number of high density housing? Are there more investors than owner occupiers in the area? What are the council’s future plans in the area? Is the location in a flood zone, if so, what are the requirements for a new build? How far is the distance between the location and its closest CBD? PROPERTY SPECIFIC Is the property located near any busy intersections or heavy traffic? Does the property suit the rental market for the area? What are specific costs associated with the property type? i.e. strata levy, flood insurance etc What is the property’s level of privacy? How old is the property or term of construction?

23.01.2022 The one thing clients always say to us, "We wish we started earlier". We have met couples and individuals who have had the intention but waited to invest. We are here to help you and take the stress out of investing. Time in the property market is more important than the timing in the market...Let's take the action today and create the future you envisage! Contact: [email protected]

22.01.2022 One of the biggest misconception about property investing is that, it’s for the super wealthy and you can’t build a multi property portfolio on an average income. If your finances are set-up correctly, and you are focused on your savings, it is possible. If you invest in the right team to assist you with your planning, research and achieving your goals, you are half way there. You don’t build a mega successful property portfolio overnight! But you can enjoy the benefits of an investment property once your property is rented. We have helped clients with purchasing their first investment with $50,000 deposit/equity in their own home and assisted clients with their budgets in attaining a deposit to invest. Plan well and then take action- It is Possible!!

21.01.2022 The maxim "failing to plan is planning to fail", applies heavily to the state of your financial health. Life is unpredictable, but a solid financial plan should assist you over to the next upswing. Please take assertive steps to ensure your financial health is at optimum levels. - Planning is worth it. We work with our clients to enhance their financial health, not only for the future but for today. We understand that life happens now. An example- We helped a client realise... the potential of tax savings now compared to end of financial year. We had the client request a tax variation on their investment portfolio and receive the deduction in their pay cycle. This has assisted them with better cash-flow and since their objective was to reduce the loan on their home, -the extra income is now going into paying off their home loan. The objective- plan for the future, whilst making the best of today! Contact us to see how we can better your financial health: [email protected]

20.01.2022 Concerned you are not earning enough to live the life you want? We have assisted clients with gross income in an excess of $250,000 and couples who with combined salary earn much less than that. Yet both struggled with living the life they wanted. Whilst, how much you earn makes a difference-its what you do with that earning that makes a bigger difference. We are here to help you with your plans for the future and determine how you are going to live your very best life!... Get in contact for a free consultation: [email protected]

18.01.2022 Our top two fundamental elements to building a multi-property investment portfolio: 1> Planning -You need to plan and identify what you want to achieve out of your portfolio. Your desired outcome will need to reflect your risk profile and time available to spend in the market 2> Diversifying- Diversifying your portfolio into different cities, states and property types will spread your risk and performance outcome. A well-planned strategy will also help you alleviate land tax... burdens that differ from state to state in Australia Even though most Australians understand that investing in property is one of the safest way to create wealth. Under 10% of the Population own investment property, with most owning only 1. To get the most out of your property investment, you need multiple properties. We believe, what stops most people is the lack of planning and willingness to diversify. You may love Sydney but the chances of you buying a 4-bedroom home for under $600,000 is no longer an option in the areas you may prefer. There are great opportunities in Sydney and all over Australia, be open to the idea of diversifying and you will see your property portfolio grow. Want us to assist you with Planning or Starting a Multi-Property Portfolio: Email us on: [email protected]

18.01.2022 We want to pay off our home sooner, the most expressed objective of our clients. To eliminate debt, we firstly need to understand the difference between good vs bad debt. We ask, If you had an extra $100 a week, how would you spend it? Would you put it towards holding costs on an investment property or payments on a new car? - We know what we would rather own in 20 years!... We refer to good debt as a deductible debt that is used to buy an investment or an asset that appreciates in value or creates income. Due to the growth in the value of these assets, as you pay down the debt over time your equity and overall wealth position improves. There is NO secret formula to becoming financially prosperous: - -spend less than you earn, use your savings to eliminate non-deductible debt bad debt, whilst leveraging to invest in income producing and appreciating assets. So, how do we pay off our home sooner: Step 1: Budget (be honest & stick to it) Step 2: Consolidate debt through a refinance & Restructure Proceed with step 3, if you are managing your debts correctly: Step 3: Buy an Investment that appreciates and Repeat!

18.01.2022 BRISBANE has beaten London, Beijing and Brussels on a global list ranking cities with the highest home price growth!

17.01.2022 Happy New Monday!

15.01.2022 How much difference can a REFINANCE really make? You may think, how much difference switching to a new lower rate possibly make, after all, there is ONLY a difference of 1%, so what? Is it worth the time? So, what does a 1% difference look like for a $600,000 home loan over 30 years: At a current average variable rate of the big banks of 4.64%, your monthly repayment would be approximately $3,090, which equates to $512,469 of interest over the life of the loan. Now compare that to a rate of some of the lenders on the panel that are averaging around 3.64%, the repayments are close to $2,741 per month. Over the 30-year period, that equates to $386,887 of interest. What is the DIFFERENCE- a mind boggling $125,582 So, does a refinance make a difference when you can get a more competitive rate than what you are paying now- YES, yes it Does!

14.01.2022 With a lot of competition on the rental market, read how you can squeeze more cash from your investment property....Happy Weekend!

14.01.2022 Why home loan rates are going up The Reserve Bank is expected to keep the cash rate on hold again today, but mortgage lenders are bumping up rates for Aussie borrowers anyway and the big banks are expected to follow. The rate rises reflect the rising cost of funding for Aussie banks, with smaller lenders such as ING, Bank of Queensland and ME among the first to cave in and pass costs along to customers. Borrowers need to prepare for more rate rises in coming months, with the... nation's big banks unlikely to be able to absorb increased overseas funding costs for much longer, says Mozo Director Kirsty Lamont. ARE YOU PREPARED FOR AN INTEREST RATE RISE? Please call to discuss: Contact 0451815830

14.01.2022 RENT or BUY? For years, getting on the property ladder with buying your own home first was a vital part of becoming a successful adult. Does it make better financial sense to buy your own home first or rent and buy an investment? We are always outweighing the pros and cons of this with our clients and each clients’ need and want is different. And mostly, a client’s capacity decides what the outcome is. Regardless of the decision, of course, owning a home/investment is such a...n attractive prospect. Bricks and mortar is mostly a solid investment. In most cases, eventually your home/investment will appreciate, and you can benefit from this in any way you choose. If you choose wisely in terms of property and location, that could happen sooner rather than later. Plus, you can offset some costs with tax benefits or first-home buyer incentives. What you don’t want to do is rush into buying a home before you can afford it. If your mortgage repayments are too high, there’s a serious risk you could be left house poor. See more

14.01.2022 BRISBANE's TURN TO BOOM!

11.01.2022 Thursday Tips on Improving your Financial Health: - Step 1- Do the Math- personal budgets help you evaluate your current spending (Spend less than you earn) Step 2- Pay or consolidate personal debts and credit cards. Most personal and credit card debts have a higher interest rate- Step 3- Review your Insurances to protect your family... Step 4- Have a savings plan to create future wealth. Try setting aside 5 to 10 percent of your salary to wealth creation Step 5- Work with professionals who have the expertise to assist you and your family See more

11.01.2022 Happy Friday to All, our clients and our business partners -Welcome to the IPL family

11.01.2022 Do you want a cashflow positive property with an Equity Uplift of over $60,000 in NSW. Please get in Contact with us! This stock is limited. Valuing in on Money.

04.01.2022 Brisbane and Queensland hit record property rises Brisbane's annual median house price hit a new record of $670,000 over the March quarter, according to the REIQ. Queensland has become the number-one destination for internal migration, taking over from Victoria in the latest ABS Census data, and our overseas migration is at its highest level in years, which means demand for accommodation will continue, Ms Moore said

04.01.2022 Contemplating buying an off-the plan purchase? PLEASE BE CAREFUL. Off the plan purchase is a great opportunity for an equity uplift but there has been a number of horror stories about clients properties being valued much lower at completion. If you are contemplating an off the plan purchase, please speak to us first to avoid any complications!... Contact us at; [email protected]

03.01.2022 We love this quote at IPL, You are in charge of your future!

01.01.2022 Fear is a powerful thing. Many investors feel fear when buying their first investment property and sometimes their emotions take over. While there’s nothing wrong with healthy scepticism and thorough due diligence when it comes to property investment, fear, uncertainty and doubt should never prevent you from realising your goals. So, how do we overcome it? First step is to replace fear with strong focus- Put a plan together to map out the time you intend to spend in the mark...et. There will always be market fluctuations, but a well thought out plan should ensure some buffer for these conditions. Do your research- If Australia continues with the current average population growth rate, by 2050, Australia will reach a population of 40 million. These people will have to housed. Take the time to research and identify the opportunities that exist within the market. There’s nothing wrong with doing this by yourself, but it does take a long time to analyse the market data and trends. And get all the financial structures correct, for example: ownership structures, tax minimisation, how to do debt elimination etc. For most people, there simply is not enough time in the day to be an expert both at what you do, and in property research and selection. Even if you are an expert, it takes a lot of TIME to get it done. Don’t let fear STOP you, use it to transform your future. [email protected]

01.01.2022 Set a timeframe for your Financial Goals It is critical to your financial goals, that you are aware of your When Investing for a short-term goal is very different to that of long term goals. Your investment strategy varies depending on how long you can or intend on keeping the investment. For Short term goals- you’ll want to focus on safety and liquidity rather than growth. Liquid investments are those you can sell easily with little or no loss of value. For many people, r...etiring financially secure is the number one long term goal. And when you think of retirement, you must think of it in terms of managing expenses for a period that you will be living after retirement. This can be 20, 30 or even 40 years. It is crucial to make your money work for you. This means earning a rate of return that surpass’ inflation and allows your principal investment to grow over time. We urge all our clients to think and write down their short, medium and long-term goals. Just the act of writing down your dreams and goals ignites an entirely new dimension of consciousness, ideas and productivity to the powerhouse that is your subconscious mind. This simple act also opens your subconscious to seeing opportunities that simply can’t be observed if you’re tied up with THINKING about your goals. Our advice, be Specific, put in a timeframe and review regularly- We review with all our clients regularly.... See more