Many people would like the opportunity to invest in property, but they don’t have a team of experts in place to help with both starting as well as building a portfolio.

Unlock Your Financial Future provides you with the correct structure and support to become a serious property investor. Our main focus is introducing our clients to the correct financial structure and the experts who specialise in mortgage reduction, insurance and setting up the structure for property in a Self Managed Super Fund

At Unlock Your Financial Future, we have access to property experts that are able to provide the correct advice that meets a clients need, in;

• Tax minimisation for property investors
• Correct finance structure
• Land lord insurance
• Valuations, researching and due diligence
• Self Managed Super Fund (property)
• Understanding property economics
• Legal
• Depreciation schedules

At Unlock Your Financial Future we will work with you to look at your current financial situation and work out the best investment strategy that suits your needs.

Property Research

Research into investment property is necessary to ensure that the right property is selected to provide the best return. One of the biggest problems with buying investment property is that people decide based on feelings and not facts.

When we review properties for investment, we take into consideration a large number of facts, including but not limited to rental return, the age of the property, location, future development, and infrastructure.

We have access to a range of properties including houses and town-houses in Australia depending on where the demand is.

Our Approach to Investing in Property

As part of the service we provide, we do the hard yards and find the most suitable property that meets your needs. We will conduct a comprehensive financial analysis of your current financial situation to develop the best available options for you to get into an investment property.

We have experienced affiliates in mortgage brokers, developers, real estate and legal firms, that combined provide a team with years of knowledge and experience in property selection and financial loan selections to provide a personalised service that will meet an individuals need.

What is Negative Gearing

Negative Gearing is when the annual interest payable on the loan plus other expenses incurrerd in maintaining the property, exceed the annual rental income the property brings in.

When negative gearing an investment property, those expenses incurred are tax deductable and the difference between expenditure and income are offset within the tax system. To put it simply  if your business is running at a loss and the tax system allows you to tax those benefits in your personal income tax returns.

Possible Deductions in Investment Properties

• Body corporate fees
• Stamp duty and legal fees in set up loans
• Building depreciation
• Cleaning
• Council rates
• Depreciation of fixtures and fittings
• Insurance costs
• Interest on loans and bank charges
• Property agent management fees
• Repairs and maintenance
• Administration
• Travelling expenses
• Water rates

Negative gearing can and have produced high investment returns and in a more tax effective way. It is important to realise that it is important to have the quality asset to provide you with capital growth so that your property will grow in value.

To assist you when investing through Unlock Your Financial Future, we will provide you with the knowledge and skills to manage an investment property. We can also provide support through connecting you with a tax agent that understands investment properties help you when tax time comes around every year.

Simple Rules when investing in property:

1. Buy brand new to maximise tax benefit
2. Buy in a recognised developing area to maximise capital growth
3. Buy houses as a first choice for better capital growth
4. Buy in the median price range for the locality to maximise its appeal
5. Obtain the right finance package
6. Use the right solicitor, experienced in conveyancing
7. Use the right accountant, experienced in property investment
8. Obtain the right Quantity Surveyors Report to maximise tax deductions
9. Have the right insurance safety net package
10. Employ the right property manager who has your interest at heart not the tenants
11. Don’t sell in the short term – hold property long term to maximise return
12. Refinance only when necessary not as a matter of course
13. Seek the guidance of professional people when making any decision in relation to property investment