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Purchasing and Investing

If you are looking for a stable and secure investment, property is a solid option.  An investment property has the potential to deliver consistent rental returns for years to come.   

While you may start out with a single property, careful consideration and management of your investments could see you grow this to a full and profitable portfolio with the help of a broker. 

When purchasing an investment property, you need to think tactically about where you will buy and the type of person who generally resides in this area.  Doing your research and having a clear understanding of the market and the areas where property is most likely to increase in value in essential.  When considering your budget and return on investment, it is not just about rental returns, you need to factor in ongoing costs as well.

In consultation with your Accountant, we will ensure your loans are structured correctly for both asset protection and to maximize your taxation benefits.

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“Excellent, professional and charming service!”
— Jon Lewis
 
 
 

 Negative Gearing versus Positive Gearing

 
 
 

What does it all mean?

If you earn less from an investment property than its costing you, then you are said to be negatively geared.  Conversely, if you earn more from an investment property than its costing you then you are said to be positively geared. 

The motivation to be negatively geared is that it reduces your taxable income and you accept a short term loss in the hope of a capital gain in the future. 

Before deciding to buy an investment property it is wise to seek professional advice from an Accountant to ensure the investment is set up correctly for tax purposes.  Tax deductions are calculated based on the percentage of ownership in the property so it’s essential this is set up correctly upfront as changing ownership may incur hefty stamp duty costs. 

Once you have your ownership structure figured out, the next step is to contact us to determine your borrowing capacity and financing options.

Thinking of buying an investment property?

Let’s chat!

 
 
 

Testimonials

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“Hilary and her team are fantastic! We have been using her services for the past 10 years & can’t fault her service and passion for her customers.”
— Lee & Ellen Talarczyk
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“I have been a client of Hilary’s for over 13 years. She helped me buy my first home in Australia in 2007 and 6 years later helped with refinancing to better suit subdividing and build. Receiving updates from Miss Mortgage and them being available (practically 24/7) about market conditions and best rates keeps me on track. I can’t praise them highly enough!”
— Sharon Parcell
 
 

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