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Finance Your Investment Property

Incredible options for the Average Joe

Fact: According to the Australian Tax Office, there are 1.7 million private landlords in Australia, and over a quarter of these individuals own more than one investment property.

Think about it – 1.7… million people effectively own an investment property. Without getting into the math, that more or less translates to 10 percent of population.

In addition, the largest group of Australian property investors are not on high incomes. In fact, they have a taxable income between $30,001 and $75,000.

Interesting stuff, hey?

We say this because for decades, there seems to be this cultural misconception that property investing is purely just “for the über rich” – like, so Ferrari in the garage rich.

It’s simply not the case.

Successful property investment centres on having a personalised game plan. It’s not a get-rich-quick scheme, and those who view it that way, tend to stare down the barrel of poor decisions and regret sooner than later.

But investing in residential property the right way can work, and it can work for you.

Yes, you!

Help me become a landlord

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What makes a good investment property?

The classic buyer’s rule, “location, location, location,” hold true for rental properties as well.

Location factors remain paramount, including proximity to:

  • Public transport;
  • Schools and universities;
  • Recreational facilities (i.e. beaches, parks, shopping centres, sports fields); and
  • Large employers.

There are also many other current factors such as demographics, vacancy rates, and external factors involving China and the resources boom, which we’d love the opportunity to chat to those interested over the phone so we can provide the most accurate analysis, as the market is constantly shifting.

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Our role

Our job is to not only broker a loan product that has a competitive rate, but also ensure that it will suit your needs and goals. When we organise a loan for you, we do it with the next one(s) in mind to make sure you do not reach your borrowing capacity before you have reached your property goals; we think strategically every step of the way, with your goal in mind.

We’re we fit in is, after selecting your investment, our job is to broker a great mortgage loan at a manageable rate by negotiating with the most appropriate lender on your behalf, according to your income and lifestyle.

We do not charge you for our services. Yep, zilch, zero, nil, not a dime.

Our advice to you is also free.

Now, we know what you’re thinking, and the answer is yes, we still do get paid. Lenders pay us, like many other mortgage brokers, a commission for the loans they write. And this payment is only received after your loan settles.

Essentially, we work with you to find the best loan at the best rate, and the lenders pay us a commission for bringing them new business (i.e. your mortgage repayments), so there really is nothing to lose by having a chat to us and understanding your options.

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The Positive Investment Property Process:

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For more information on financing investment properties, or to book an obligation-free, complimentary financial health check with Positive Financial Services Director, George Nori, please click button below.

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