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18.01.2022 FIRST HOME BUYER TIP | How much money do you have & what can you afford? _____ Most loans are 20-30 years so it’s important to prioritise your financial goals and decide whether a home purchase is a priority on that list.... A deposit is generally 10% - 20% of the purchase price but fortunately in Australia we have the FIRST HOME OWNER GRANT which can leave you paying a deposit of as little as 5%, without needing to pay lenders mortgage insurance (eligibility criteria apply). What you can borrow depends on: Your income & financial commitments (credit cards, card, loans, student loans etc) Job security Living requirements House deposit you have saved + other savings Credit score and credit report _____ Contact Kelly Walsh on 0411807308 for an initial consultation today!

06.01.2022 ABOUT GOLD COAST CITY _____ As one of the fastest growing cities in Australia, Gold Coast’s property market offers great opportunities for property investors. ... Increasing property values Houses - 3.27% per annum Townhouses - 2.09% per annum Apartments - 2.17% per annum High rental yield Houses - 4.25% Townhouses - 5.27% Apartments - 4.76% Strong future population growth 1.28% - 2.25% annual growth rate range of the past 8 years Improving infrastructure $9 billion worth of infrastructure projects set to benefit Northern Gold Coast alone High demand for new houses 230,000 additional dwellings are set to be built by 2050 Strong employment sector Average labour force growth rate of 4.2% as well as 104,000 new jobs forecasted by 2031 _____ Contact Kelly Walsh on 0411807308 for Gold Coast stock

03.01.2022 FIRST TIME PROPERTY INVESTOR FAQ’S | Part 1 _____ What is property investment?... Property investment is when real estate is purchased with the intention of earning a return on the investment - either through rental income or through capital gain when the property is sold in the future for more than purchase price. How do I know if I can afford to invest? Buying a property means more than being able to afford a deposit. There are upfront and ongoing costs that need to be taken into account before buying your first investment property. Upfront Costs: Deposit // Generally around 10-20% of purchase price Loan Application Fee // A one-off payment for your lender covering basic admin Lender’s Mortgage Insurance Government Charges // Stamp duty, mortgage registration & transfer fees Legal & Conveyancing Costs Building, Pest & Strata Inspection Fees Ongoing Costs: Loan Repayments & Interest Charges Strata/Body Corporate Fees // For communal properties eg units or townhouses Council Rates, Water Rates & Insurance // For the building, contents and you as a landlord Repairs & Maintenance Costs Property Management Fees Vacancy Costs // Allow for minimum of 4 weeks/year of vacancy Land Tax // Not always applicable _____ Contact Kelly Walsh on 0411807308 for more information and advice on whether you are ready to purchase your first investment property.