Tuesday, 22 December 2015

How to Make Money on the Internet... and Facebook, Twitter etc

A lot of people have noticed that there is something extraordinary happening.

More and more people are breaking the chains of fear that kept us locked into the 9-5 system.
Last year my wife took a “work from home” job and now I see the world from a different perspective.

The change I have seen in her is a more relaxed and happier person and a more productive employee.

So employment is going through changes and many of us are unaware of that.

Why is the employment world changing?

In this post, I'll point out some of the reasons that lead me to believe why this change in inevitable.

1. No one can stand the 9-5 employment model any longer.

We are reaching our limits of how much pressure we can and will take.
People working with big corporations can't stand their jobs. They want out.

They want to drop everything and “move to the country” so to speak. Take a look on how many people are willing to risk entrepreneurship, people leaving on sabbaticals, people with work-related depression and people in burnout.

2. But the entrepreneurship model is also changing.
Over the past few years, with the explosion of start-ups, thousands of entrepreneurs turned their garages into offices to bring their billion-dollar ideas to life.
But what happens after they get funded?

They get back to being an employee. They may have brought in people/employees who didn’t share their dream and soon it became all about the money. The financial end becomes the main driver of their business.

People are suffering with it. Excellent start-ups began to tumble because the money-seeking model is endless.

A new way to make money is needed. Or is there an old way that has come of age. An old way that is more relevant today.

Some people have been doing it for years. But now the environment is right for it to succeed where the existing system is failing.

3. The rise of collaboration.

"Isn't it absurd that 7 billion of us, living on this planet have grown further apart from each other?"

Many people have awakened from the "each man for himself" mad mentality and have figured out that it doesn't make any sense to try to do things by yourself.
It doesn’t make sense to turn your back on the thousands, maybe millions, of people living around you in the same city?
Fortunately, things are changing. Sharing, collaborative economy concepts are being implemented, and it points towards a new direction.

The direction of collaborating, of sharing, of helping and teaching each other and it’s beautiful to watch.
4. We are finally figuring out what the Internet is good for:

The Internet is an incredibly spectacular thing, and only now, after so many years, are we starting to understand its power and it usefulness at opening up the world.
With the Internet, the world is more opened, the barriers fall, the separation ends, the togetherness starts, the collaboration explodes and help emerges.
Google and YouTube can teach us how to do virtually anything.

Internet is taking down the control that the News and TV media has had on us.

The big media groups controlling news to what they want the message to be and what they want us to read, are no longer the sole owners of information.
The internet and Facebook, Twitter etc. now give us a bigger picture.

With the advent of the Internet, the small are no longer speechless.
We can now do business without leaving home.

And that means we can spend more time doing what we really want.
Just that saving on travel time alone gives us more time with our families.

And that can reshape the whole economy.
I’ll be doing a series of seminars in 2016 to show people interested in moving with this change “How to make money on the Internet”

Let me know if you would like to attend.

Sunday, 18 October 2015

Do you know how much money you will need in retirement?

Do you know how much money you will need in retirement?

Too far away to worry about… think again!

The experts say that you will need about $1M to provide a reasonable lifestyle.

If you are not on track to having that or more then you need to start think about what you can do…


Depending on how far away from retirement you are you might consider buying a property overseas.

A modest amount of money can have you living like a KING overseas.
Australian property is expensive… but overseas you can buy a mansion for a fraction of the cost for a similar house in Australia.

In Bali for example you could buy a one or two bedroom Villa with a pool for $250,000 - $300,000 or a 3 or 4 bedroom 2 storey mansion for $400,000 - $500,000 in popular family holiday location (NOT Kuta) that would rent in Airbnb for about $USD150 per day per room.
Request a brochure...

Existing properties in these locations are getting between 75 – 90% occupancy.

So that is a return on your investment of around the 20% per annum.

You could rent it out all year and live off the income…

Or rent it for part of the year and live in it for some part of the year.

The cost of living in Bali is so low that we have friends that live there and pay to fly their family over once a month.  It is still cheaper doing that than living in retirement in Australia.

So how do you do it? Give us a call and we can explain how... or request a brochure.

If you have any interest in talking about this or other property related retirement strategies, feel free to give us a call…

As they say in Bali “FREE TO LOOK”


Tuesday, 22 September 2015

Why do you need to listen to an expert? And who do you choose?

Today we seem to be surrounded by experts at everything....

We all judge Master Chef, Dancing with the Stars and X Factor like we know what we are talking about.
I know that I am an expert at Football and I have never played the game at any level that counts.

We have political experts that tell us how well or badly our politicians are doing and we have politicians that are experts at running the country where they have never run anything except a political campaign.
Now I have been providing property investment advice for about 20 years now and still don’t consider myself to be an expert but I have seen a lot of mistakes and learned from what others have done.

If you do something long enough you get very good at it or you just don't last.

Why do you need an expert’s advice WHEN IT COME TO PROPERTY?
Answer; It’s just too hard to try and do it by yourself.
Most property investors don’t achieve financial independence because:
the first decade of anyone’s investing career is their learning curve.
Of course many never survive this stage… about 70% drop out during the first few years.

Those that make it past 10 years have to make up for the lost time and lost money and often take unnecessary risks.
There is a huge learning fee involved – of time, money, effort and heartaches.

On the other hand following the teachings and proven systems of those who’ve already achieved what you want to achieve while not guaranteeing your success, makes it very much more likely that you will succeed.

Google makes everyone an expert nowadays and it seems that property investment is no exception.

During the years that I have been doing this I have seen more experts come and go than I can count. They all supposedly made millions and now want to share that knowledge with others. They all have very compelling stories to tell and it gets you in. I have to admit that even I am intrigued at times.
But I suspect that that is all they are… stories.

In the past 20 years I have heard the Negative Gearing argument, then the various Positive Cash-flow arguments. There was the NRAS story, the Mining towns boom/bust and a number of so called strategies to make millions including Option Agreements, to name just a few.
Experience has shown that they only make money for the promoter.

So who can you trust?  The answer is someone who has been through it all and has a simple uncomplicated strategy.
“The schemes are more scams than strategies”.

That strategy should involve understanding the property cycle (the 5 to 7 and 3 to 5) so that you buy in the right place at the right time. It should be easy to explain and understand and usually will involve a simple purchase of a well located property in a location with a proven track record.
Give us a call if you would like to know more…

1300 131099

Thursday, 17 September 2015

Top 10 Criteria for Good Investment Growth - Residential Property

So how do we choose the best property for capital growth?

Do you look in the newspaper, look on the internet, or ask a real estate agent?

That is what most people do....

They say that property doubles every 10-12 years so can we just buy any property and it make money for you?

Unfortunately not all property will double...

Statistically the average of all properties will usually double in that time, but that means that statistically some will more than double and some will less than. That is how you end up with an average.

Actually because some properties will boom some must do virtually no growth at all.

So how do you choose those properties that will outperform the averages?

With nearly 25 years of assisting clients (through a couple of entities) we have quite a bit of experience and data to help make those decisions.

One thing we have learned is that property growth is not consistent. It does not grow each and every year. It follows a cycle of good and not so good times... The Property Clock. (see link below for more detail on the Property Cycle)

What are the criteria to look for?
 The Right Time in the Property Clock Growth Cycle
Then as many of these factors as you can get:
  • Less than 10kms (Adel) and 15kms (Eastern States) from a CBD... Usually not in the CBD.
  • Diversity of Economy, Employment and Social Demographic
  • Surrounded by Quality Housing
  • Surrounded by Quality Suburbs
  • Going through some Urban Renewal
  • Median Price or slightly above for the location (but don't pay too much i.e. Bank Val.)
  • In Demand but with No Oversupply Possibility
  • Good Tax Deductibility Factors
  • Good Rental Yields
Transport (Public and Highway)
  • Good Public Transport to CBD and Hubs
  • Good Highways to CBD and Hubs with Limited or No Bottlenecks
  • Close to Supermarkets
  • Close to Quality Schools and Universities
  • Close to Emergency Hospitals
  • Close to Local Medical Centres
Restaurants and Cafes
  • Close to Popular ones
  • Parks and Walking Trails for Recreation
Community Feel
  • You want it to be a nice place to live
We've done the homework and found those properties that meet in some cases all and in others most of the criteria throughout Australia... (and elsewhere)
If you are thinking of investing in property anywhere please give us a call.
Graeme Clark
1300 131099


Tuesday, 8 September 2015

Green light for SMSFs to get serious about property.


SMSFs have been giving the green-light to become serious property investors.

Fear, uncertainty and doubt (FUD) are what stops most of us from doing things, even though there are occasions where we know we need to do something.

Money to provide for our future is one such thing that we know we need to do something about, but many of us, put it off for too long because of FUD… or we are too busy.

Recently the Murray Financial Review commissioned by the Govt. created FUD around SMSFs because it proposed that self-managed super funds should be banned from borrowing to invest in property.

That proposal seem quite strange because borrowing to build wealth is an excellent way to maximise the growth on what, for most of us, is limited supply of surplus funds (the money left after paying taxes and living).

So smart investors only borrow to buy safe assets, and property is probably the safest.

But what they were saying was if you want to try to maximise your somewhat limited superannuation money, then you can’t.

Given that they don’t want to pay us a pension, that didn’t make sense.

In my opinion the original idea was that we didn’t want people taking gambles with their superannuation. They wanted to make sure people only invested in safe assets… like the stock market. (You would have to wonder how that is working out for most people!)

It made no sense to me; property has been a consistent performer over the years particularly long term, which your superannuation is. Property is about as safe as you can get, hence the expression ‘safe as houses’.

So that was the recommendation. But now the government has rejected that idea.

Last week, Assistant-Treasurer Josh Frydenburg said:

“In the final report of the financial system inquiry, which the government commissioned David Murray to prepare, he recommended a complete ban on limited recourse borrowing arrangements in SMSFs.

“I want to emphasise that we have been considering this recommendation very carefully but flag that we want to make sure the approach we take is proportionate to the risks that have been identified.”

I find that just about everything he says needs a translation, so most agree that translated means “The ban was a sledge hammer to crack a nut so it’s not going to happen”.

We know from survey data that people with SMSFs have a keen interest in property, both residential and commercial. So now the door is open for them to get serious.
Obviously we’d like to help.

So this is a good news story. SMSFs are on train to be a major force in Australian property.

A WORD OF WARNING THOUGH: Beware of the self-proclaimed SMSF experts/specialists. From what I have seen of them some are ex-Financial Planners that have seen an opportunity to make a quick buck from this seemingly complicated financial structure. Generally they charge an absolute premium for providing no better advice than you can get from your Accountant or existing Financial Planner. It’s not that complicated, the rules while different are not hard to learn.

The idea of an SMSF is to make money for your future, not to give it to someone else for their future.

If you would like to know more please feel free to give us a call…

1300 131099

Monday, 24 August 2015

One of the best ways to make a profit from real estate is...

One of the best ways to make a profit from real estate is…
to find areas where there is going to be change of use or what they call gentrification.

Developers use this strategy to buy vacant land or old factories/homes on large blocks and redevelop the site.

But for those of us without the expertise or prepared to take the risk to do a development we can still make a profit from finding change of use locations being developed by others but get in early so that there is still some upside.

We did just this with our clients 5-10 years ago with the redevelopment of Brompton in SA from old factories into upmarket medium density townhouses. The early adopters were able to buy in what seemed expensive at the time, a 3 bedroom townhouse for just under $300,000.  I remember my first client to purchase in Brompton saying “You’re kidding… look at that old factory across the road”.

Today that old factory is gone and the property would be worth about $600,000. A good profit in less than 10 years and during some tough times.

Brompton seems to have peak for the moment. Those who know my 5-7/3-5 principle will know what I mean. (More on that here)

But now there is a new area in SA where change of use could see good profits made in the next 7-10 years by those who get in early. That area is Prospect.

The properties at Prospect are not yet on the market but the developer has let me put in “registrations of interest” for my clients and that will give them first option when they are released to the public, in a few weeks time. (artist impression below)

I now have plans and specifications with tentative pricing for the Prospect townhouses. There are 2 and 3 bedroom options.

On the weekend I went to look at the Scott Salisbury Hospital Lottery home at Gilberton.

While I think the lottery is a great cause and whoever wins the home will be very pleased, I couldn’t help thinking $1.5M for this home makes what I have found at Prospect a bargain… and bodes well for the future growth of the Prospect properties.

Give me a call if you have any interest or would like more information.

1300 131099

Monday, 27 July 2015

The Property Cycle... not a "boom" and no "bust" coming.

The Australian Property market moves in cycles…

Not as the media would have you believe “booms” and “busts” but in regular and reasonably predictable cycles.

And those cycles are tracked by Property Valuers and Property Research businesses. (see below where your city fits)

 You might have heard that property doubles about every 10 years and if that were true then property would go up in value by 7.2% each and every year.

But we know that it does not do that!
Instead it goes in cycles of about 10 -12 years… And different locations will be at different stages in the cycle at any particular time.

Typically you will see about 5 - 7 years of property going nowhere or even slightly down in value…

Then there will be 3 – 5 years of rapid growth… double figures!  

That is where the media gets excited and calls it a “boom” but it is not…

It is just the normal cycle.


So why is this relevant?

Well it is a fact that about 70% of people who invest in property will sell out in less than 5 years and never invest again.

Many do that because they invested in the wrong part of the cycle for the location that they bought their property.

Hence the first few years of their ownership of a particular property they saw no growth… they just had expenses.

And others will simply pay too much in the first place.

So it is important to not only consider location and price but to consider the property cycle before you decide to invest in a particular location.

That way your property investment should increase in value from day one and within a short period (12- 18 months) have created enough equity for you to buy another. At the very least enough growth to demonstrate that property investment works.

On the property clock above you want to invest anywhere between 7 o’clock and 10 o’clock. (about 3 - 5 years)

And you definitely don’t want to invest anywhere between 12 o’clock and 6 o’clock. (In overly simplistic terms you could consider each hour of the clock to represent approximately 1 year*)

I hope that helps clear up the “boom” that we are hearing about in the Sydney market at the present time.

There shouldn’t be a bust coming for Sydney. It should just be a regular slowdown of growth.

Going forward should be Melbourne and Brisbane’s time in the sun… then later Adelaide and Perth.

So I am off to Melbourne to look at some new developments and expansions to existing developments.

Then in the next few weeks I will be off to Brisbane.

That way I can offer you the best locations within the cycle for your investment growth.


*the above representation of 1 hour of the clock representing 1 year of the cycle cannot be relied upon as an accurate measure of time within the cycle. It is meant as a guide only.



Thursday, 16 July 2015

Will removing Negative Gearing help Housing Affordability?

The Reserve Bank wants the Govt. to remove negative gearing as a Tax deduction so I have been asked to give my thoughts.

The first thing I want to make clear is removing negative gearing will NOT fix the problem.

And the second is, I could write a book on this subject but I will try to be as brief as is possible to explain what is a complex and far reaching issue.

The problem that most Australians want to fix is, housing affordability, but as you will see in the following paragraphs negative gearing is only a very minor part of housing affordability and in fact its removal might make things worse for young Australians wanting to buy a home… while not slowing property investment by anything appreciable.

So let's look at it in a bit more detail...
There are 2 aspects to Negative Gearing to consider:
·         Financial and
·         Functional
Let’s look at just the numbers first because it will demonstrate that the negative gearing Tax refund that investors receive is only a very minor incentive to invest in property. In fact it helps the tenant arguably more than it helps the investor.
From an investment point of view, property is a good investment because it has consistent growth with low volatility. It has been quoted that on average property doubles in value every 10 years. While that is not true of all property it is reasonable to expect that sort of growth whether a particular property doubles every 7, 10, 12 or 15 years (the true nature of property growth is another subject worth discussing in another article).
For the sake of this exercise let’s assume that a particular property doubles in 10 years ie 7.2% per year and let’s assume that growth is consistent each year (which it is not) but for the sake of simplifying this example.
Let’s also assume that interest rates for the mortgage on the property are 7% (Australia’s average). Rates are currently less than 5% making negative gearing deductions almost non-existent in today’s property market anyway, and hence the ridiculousness of the argument to remove it.
So a property investment is costing the investor 7% per year to hold (mortgage) plus holding costs (Council Rates etc.) on average those cost would add to about 1% to the property cost.
So the total holding costs are about 8% of the asset value each year (based on average Bank interest rates).
To reduce those holding costs the investor will receive rent from a tenant of about 4.5-5.0% of the property value (in South Australia).
So a negative gearing deduction on such a property would be 8.0 - 4.5/5.0 = 3-3.5% as a negative gearing Tax deduction at the investors marginal Tax rate. For the average investor that would reduce the holding cost by about 1%, making the holding cost now just 2-2.5% of the purchase price.
But most property investment will also attract some Tax deductions for depreciation. On a new property those deductions could be as high as 2%, scaling down to maybe 0.5% for an older property.
So as you can see property is a good investment because for this example the investor is paying less than 1% of the property value to hold an asset that is increasing in value by about 7.2% per year.
If we remove negative gearing from this equation then the asset is costing the investor less than 2% to hold but still growing in value by 7.2%.
(Remember that this is based on an interest rate of 7% from the Banks not on current rates)
But negative gearing was introduced to justify Capital Gains Tax so the Govt. would have to remove or alter Capital Gains Tax at the same time, making all grains in property value potentially Tax free.
And then they would have to consider the inequality between property investment and share investment for both gearing and capital gains tax… and this would constitute a huge loss of Tax to the Govt.
Additionally the flow on effect from investors would also put pressure on increasing rents to offset that loss of cash-flow. Increased rents would make it harder for young Australians to save for the deposit needed to get into their first home. We saw this in the 80’s when the Hawke/Keating Govt. removed negative gearing. As much as you might hear on TV that rents did not increase, that is just not true. I increased the rents (as did everyone I know) on my properties by nearly 20% over a 3 year period without the loss of a single tenant.
So that is the financial side of the equation. Let’s now look at the functional side.
Negative Gearing has been around for about 30 years or more and during that time we have had what the media call "booms" and "busts" regularly, about every 7 years. So if negative gearing is the cause of this so called “boom” then why hasn't it been the cause previously?
As mentioned earlier, in today low interest rate environment most investors would not be claiming negative gearing deductions because their property would be positive in cash-flow so removing negative gearing to help affordability would have no effect at all.
Now let's talk about this so called “boom”...
Only Sydney is experiencing higher than average growth, but even there the current growth is less than it was in 2002-2004, in fact it is about half the growth of that period… so not really over the top.
Other states are growing at differing, but at reasonable rates, slightly higher than inflation which is “situation normal”.  In fact, the real growth rate is less than real inflation because the Govt. have fiddle with how they measure and report inflation to make the numbers look better.
So we are NOT in a “boom”...
The real problem for affordability is the lack of available land to keep up with demand.
Now the current demand is being made slightly worse by foreign investment but again removing negative gearing won’t help that situation because they don’t get to claim it.
For a moment let’s look at why Chinese investors like Australian property as an investment. Clean air, clean water and a stable economy, plus an exchange rate (Dollar to Yuan) that gives them about a 25% discount on the property… plus they can borrow money in China at an almost zero interest rate. That is a pretty healthy incentive to invest here.
So what happens if our dollar recovers and goes back from 75c to 90c or even $1 then many Chinese will sell their properties making a substantial profit just on the change in the exchange rate. And all that has happened is some Chinese investors paid the Australian Govt. a lot of Stamp Duty.
(We did much the same thing with USA property when our dollar was at $1.05 against the US $1. Our clients bought US property paying with the inflated Australian dollar and now that the rate has dropped to $0.75 our clients are selling at a 30% profit plus any growth. That is how capitalism works)
Affordable housing is a problem all over the world and possibly worse in Australia because we have such large areas of land that are under developed.
In Australia, lack of infrastructure spending by past Governments has become a real problem. Plus we have among the world’s highest costs of entry, Stamp Duty, Council development costs etc.
In years past there were still areas of land that could be developed without the need for expensive roads and services but that land has now mostly been developed and hence we are having to look up (to high density housing) and out (to green fields developments).
That is a Govt. problem that we need to either accept or be prepared to pay higher Taxes.
There are more reasons for the property affordability question like Australia’s employment centralisation (the sand pile effect) that could be discussed but I think you get the idea. It is not about negative gearing.
I hope that helps with your understanding of what you see on television when they talk about removing negative gearing to help affordability but feel free to call me if you would like to discuss it or any other issue around property investment.
Graeme Clark
Tel 1300 131099


Wednesday, 8 July 2015

How to Pay off your Home Loan sooner and at the same time create long term wealth.

For most of us, our home loan will be the biggest expense we will have during our life time, with the exception of Tax. That is unless you decide to become a property investor, but we will talk about how that can help later.
Most of us we will fork out between $10,000 and $20,000 each year (some maybe more) in interest payments alone plus paying off the principle. That’s a lot of money to be throwing away each and every year and takes many hours of work to earn, pay the tax and then give to the bank.
The average home buyer will pay to a bank over $700,000 in principle and interest payments for a $300,000 loan during the lifetime of the loan. For every $1 extra, paid into the loan early in the loan term, can save up to $3 in interest payments long term.
So it makes sense that we should aim to pay it off as soon as possible to significantly reduce the amount of interest we pay.
But what most people don’t realise is that you don’t necessarily need extra cash or more income to pay off debt. What you need to do is learn to use your existing cash-flow to your advantage.
So here are some tips to help you get rid of that mortgage more quickly: (the last strategy might surprise you)
1. Negotiate the best possible interest rate
Today’s buoyant market and low interest rate environment provides homeowners with the perfect opportunity to negotiate a better rate with their lender.
All the banks are aggressively competing to gain new business and retain existing clients.
But it’s not just the Big 4 you should consider when determining the best possible loan product and interest rate for your circumstances, with a few of the smaller players starting to vie harder for a bigger piece of the mortgage market pie, great deals are around.
If approaching your lender or refinancing to another provider seems too hard, consider the difference a 1% variance in interest can make to a 25 year loan at $300,000.
If you were to pay 4.9%, as opposed to 5.9% for instance, you’d save $53,000 over the life of the loan.
Suddenly a chat with your lender or Broker looks a little more appealing doesn’t it?
Of course, interest rates will trend up and down according to the going market fundamentals of the day, but the bottom line is, the lower your rate, the less interest you pay.
2. REgular Reviews
Everyone knows that lower interest rates will cost you less in total interest payments but it amazes me how few people discuss their loan on a regular basis with a mortgage broker. It seems that to most people it is a set and forget and the Banks rely on that to make huge profits.
As we have seen above the savings can be significant and it costs nothing to have a Broker review you loan regularly. The Bank certainly won’t tell you if they suddenly can do a better deal.
How far would you go for $20,000? Because every year saved on your mortgage repayments could be an extra $20,000 in your pocket.
3. Pay extra off the principle
1. One way of achieving this without too much financial pain is to change your repayment schedule from monthly to fortnightly.
While you might think that doing so wouldn’t make much of a dent in your mortgage, it actually means you effectively make one extra fortnightly repayment each year.
Using the above example of a 25-year loan worth $300,000, at today’s interest rate of around 4.9% that represents a saving of $34,000 in interest and three and a half years’ worth of time paying back the bank!
2. Another option in line with this type of strategy is to make higher voluntary repayments. And a simply way of doing that is to use your existing cash-flow more efficiently. An Offset Transaction Account can do that very effectively.
You simply deposit your salary into the Offset Account and then draw it out as needed to pay bill and expenses. Every day that the money is in your Offset Account the bank treats that balance as if you had paid it off the principle of your loan. Therefore every day that money sits in that account it is saving you interest for that day.
3. Another way to make extra payments might be when interest rates are dropping; you might consider maintaining your monthly repayments at the higher level you’re already comfortably managing.
My suggestion here though would be to use the freed up cash-flow to buy an investment property. With the right strategy an investment property should cost no more than a few dollars a day (lunch money) and there are significant other benefits to improve your wealth position.
3. Buy an investment property
It might seem strange that taking out another loan to buy an investment property could possibly help in paying off your home loan sooner, but it can, and is probably the most effective strategy in that regard.
It all has to do with Tax deductions.
You home loan is not Tax deductible but the Investment loan is, so there is an arbitrage between these two loans that if done correctly can see you pocketing the difference.
An investment property generates cash-flow by way of rent, negative gearing and depreciation. That cash-flow can be used via an Offset Account as discussed above.
The cash-flow while it will eventually be needed to make payments on the investment mortgage it can be parked for a short period of time in an Offset Account that is attached to your Non Tax deductible home loan.
As an example; if you were to receive $20,000 per year in rent and another $10,000 in Tax deductions that is $30,000 of additional cash-flow that can be used for a period to reduce the interest on your home mortgage, if done correctly. (NOTE: You should check this with you Accountant or Tax Agent before entering into any investment)
So negotiate the best interest rate, review your loan arrangements regularly with a Mortgage Broker, use your cash-flow effectively and buy an investment property. In 10 -20 years you could be hundreds of thousands of dollars better off.
The best advice I can give anyone would be to discuss your situation with a Mortgage Broker and your Accountant and make sure you review it regularly because things change.
Investment Property Finders have nearly 20 years’ experience at developing strategies and finding the best investment property for that strategy to help people create wealth for the long term. Don't wait too long...