SSS – Jul/Aug 2017

G’day All,

3-minute read:

Interest Rates

Although the RBA cash rate remains on-hold at 1.5%, lenders are still increasing their investor loan rates out-of-cycle. I believe there is merit now to seriously consider fixing your investment lending for the next 2-3 years. This will shield against further out-of-cycle rate rises brought on by APRA and the federal government’s new bank levy.

Because we’re expecting a mid-cycle slowdown between 2019 and 2020, this should time well as interest rates tend to come down during financial slowdowns, and this can be taken advantage of when your current rates expire.

As a guide, your fixed interest-only (IO) rates should be <4.79% and fixed principal & interest (P&I) rates should be <4.00%. Whilst interest-only is my preferred finance option, it may be worthwhile switching to P&I now as the interest rate differential can almost equal a loan’s principal repayment component. Please get in touch if you’d like us to review your current lending in light of your future goals.

Don’t forget we can also assist with DHOAS loans through Australian Military Bank!

Market

Congratulations to our clients that have recently built in the Ipswich growth corridor. The $1.5billion Ripley town centre has begun construction and land prices are now in a solid growth phase. As this corridor begins to mature, other areas we’re tuned to is Redcliffe Peninsula, Moreton Bay, Sunshine Coast and Logan.

If you’ve ever been considering Perth, Adelaide or Darwin, now is the time to begin looking. Perth and Darwin’s growth will be tied to increasing commodity prices and defence spending, whilst Adelaide will take the lion’s share of defence spending. The major markets of Sydney, Melbourne and Newcastle are now approaching a cycle-peak where potential for future upside is now reducing.

Fundamentals

I can’t emphasise enough the importance of sticking to a strategy and appreciating fundamentals. It’s been reported that some of our SAS folk have been left stuck with ‘underwater’ properties (where property value is less than loan outstanding) in Darwin that were purchased through a former Navy diver.

We at Defencewealth will never recommend a property that we ourselves wouldn’t personally invest in. I consider it a massive breach of trust and integrity that some members were sold apartments (minimal land content) under the NRAS scheme in a market that was clearly reaching peak-cycle. Whilst you are ultimately responsible for your own investment decisions, when seeking guidance and advice from others, make sure they have achieved what you’re aspiring to achieve and are also appropriately licenced and qualified. Whilst investment risk can never be eliminated, it can certainly be reduced through proper education and understanding.

http://www.dailytelegraph.com.au/news/nsw/elite-australian-soldiers-were-sold-property-investments-by-hugh-ochremienko-that-went-sour/news-story/c285f4c07a4243000823511bd83f559c

Strategy

The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2 million portfolio at 80-90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth, offset accounts and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The new property packages we recommend are considered investment-grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

Quote

It is in your moments of decision that your destiny is shaped — Tony Robbins

SSS – May/Jun 2017

G’day All,

4-minute read:

Interest Rates

Official RBA cash rate remains on-hold at 1.5%. All lenders have now increased investor rates out-of-cycle to around 4.5% – 5.5% variable (discounted) especially on interest-only loans. If your risk profile is such that future rate rises are of concern, then a finance review to look at fixed rates is recommended. I personally prefer to remain variable for flexibility but will be looking to fix some lending over the next 12 months. Get in touch if you’d like the finance team to have a look.

Whilst getting an investment loan will become harder going forward, this is the natural real-estate and business cycle unfolding and is very similar to where we were in the late 1990’s and early 2000’s.

Federal Budget

The main items to affect investors is changes to depreciation on plant and equipment and the scrapping of travel costs. For genuine investors, the inability to claim travel costs will have no significance on cash flow or asset performance. The change to plant and equipment rules will have potential impact for those that purchase established rather than build new as you are not the original owner of the items (eg dishwasher, fans, aircons etc)

Bottom line: by constructing and acquiring new assets, you will preserve the right to claim full depreciation on both construction and plant and equipment.

Economy

Recent news includes the $89 billion submarine and ship building project which will positively impact the SA and WA economies. Infrastructure-wise, the inland rail project linking Brisbane and Adelaide via Toowoomba is on the cards; south-west Sydney will be getting a new international airport; and final investment decision on the $15 billion Adani coal mine has been reached which will further improve the Qld economy and of course land values.

Overseas, China has announced its One Belt – One Road policy to begin building and reinstating trade links with Europe and the Middle-East and the US is planning to embark on a national infrastructure program. As investors, our key takeaway is all this progress will require commodities which Australia has an abundance of. We just need to identify the markets poised for growth and invest there intelligently using a proven strategy.

Rate-Reducer Home Loan

For those with an owner-occupied and investment loan (or multiple), a unique loan product is now available that actively fast-tracks home ownership through a heavily discounted owner-occupied rate of less than 3.8%. This may not suit those with DHOAS loans but if you want to investigate further or have family or friends that may be interested, then please get in touch.

Tax Deductions

As the EOFY is upon us, below is a summary of allowable deductions:

  • The cost of advertising for tenants for your property
  • Bank charges and interest on loans
  • Body corporate fees and charges
  • Council rates, electricity, gas and water charges (unless these are borne by the tenants)
  • Building, contents and public liability insurance
  • Some legal expenses and lease document expenses
  • Depreciation – but the rules for this have recently changed and will affect purchasers of established properties after 9th May 2017
  • Pest control
  • Repairs
  • Maintenance and service costs
  • Gardening and lawn mowing costs
  • Any fees and commissions paid to property agents and quantity surveyors.

Generally speaking, you are not able to claim a tax deduction for any expenses that are related to acquiring/purchasing the property; as well as costs that are not actually incurred by you or costs not related to the rental or income generation from the property. Conveyancing costs, stamp duty and advertising the property for sale – which are all related to the acquisition or disposal of the property – are generally not able to be claimed as deductions. However, in relation to Capital Gains Tax, you are able to add these costs to the property’s cost base thereby reducing your CGT liability if you sell.

Strategy
The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2 million portfolio at 90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth, offset accounts and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The new property packages we recommend are investment-grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

Quote

The biggest risk is not taking any risk. In a world that’s changing really quickly, the only strategy that is guaranteed to fail is not taking risks — Mark Zuckerberg

SSS – Mar/Apr 2017

3-minute read:

Interest Rates

Whilst the official RBA cash rate remains on-hold at 1.5%, you can expect investor rates to rise throughout the year to around 5% (discounted). Your risk profile will determine whether to fix, remain variable or split. APRA have upped the ante on all investor lending and want to especially cap interest-only lending. Whilst getting a loan may become harder going forward, this is the natural real-estate and business cycle unfolding and is actually bullish.

Economy

There’s too much upside potential when you consider national commodity prices are increasing; Malcolm Turnbull talking up free-trade with India (the new China); QLD, NSW and VIC posting budget surpluses; national unemployment below 6% and property price growth in every capital and major regional city except Perth and Darwin. Whilst some markets are now super-hot like Sydney and Melbourne, they weren’t like this back in 2009-2013 when Perth and Darwin were all the rage. It really is peaks and troughs and the aim is to identify and get ahead of that economic growth curve as best we can whilst balancing the factors of cash-flow, capital growth and risk.

Investor Education – Part IVA Tax Avoidance

Word of caution to be weary of investment groups that promote the allocation of rent from an investment property to pay down your owner-occupier (non-deductible) debt and in return receive higher tax deductions because you’re also using borrowed funds (and claiming its interest) to repay the interest on the investment loan. Whilst the ATO can’t tell you how to spend your rental income, they will disallow tax deductions and impose severe penalties if an arrangement is deemed to fall within Part IVA. If unsure, please speak to your accountant or get in touch for a referral.

ATO clear on tax avoidance

Strategy
The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2million portfolio at 90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth, offset accounts and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The new property packages we recommend are investment-grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

Quote

The best way to predict the future is to invent it – Alan Kay

From all of us at the Defencewealth Team, we wish you and your families a safe and happy Easter!

SSS – Jan/Feb 2017

G’day All,

Interest Rates
Official rate remains on hold at 1.5%. Expect this to remain for most of the year. Actual mortgage rates however will be increased by the banks. If you’ve got relatively high debt spread across multiple assets, you’ve probably got until the end of the year to lock in a decent 2-5 year fixed rate at sub-5%. If you’re still in acquisition though and have ample buffer funds, then fixing may not be required. Get in touch if you’d like to discuss further.

DHOAS
Some NAB DHOAS loans have come down to a 4.07% variable rate. If you’re currently paying more than this, it won’t hurt to call NAB and seek a pricing request.

Market
South-east Queensland still remains prime for investment. New estates to watch are within Sunshine Coast and Moreton Bay to the north and new estates east of the Ipswich CBD. Population is steadily increasing together with land price, rents and sales volumes. We still have packages available in the mid-$400K bracket that satisfy our investing and TWO-50-TEN™ strategy criteria.

The Brisbane median house price is now also half that of Sydney at $540,758. With a strengthening commodities market (gas, iron ore and coal), and some major public and private projects (Adani coal mine and Queen Street Wharf upgrade), there is plenty of upside potential to be had, especially when the law of economic-rent is understood.

Strategy
The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2million portfolio at 90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth, offset accounts and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The types of properties we recommend are investment-grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

Quote
Any intelligent fool can make things bigger, more complex, and more violent. It takes a touch of genius – and a lot of courage – to move in the opposite direction – Albert Einstein

https://www.theurbandeveloper.com/ripley-valley-town-centre

SSS – Nov/Dec 2016

G’day All,

Interest Rates

Official rates in the US were increased by 0.25% (to 0.75%) due to an improving economy and unemployment rate. Expect that interest rates here in Australia have now reached their bottom. The RBA may cut again by April 2017, however the banks will be reticent to pass this on. I now recommend we start looking into investment 3-5 year fixed rate options (including splits) over the course of 2017.

Before doing so though, ensure that your medium-term strategy accommodates a fixed-rate option especially if you’re still in Acquisition phase. Break-costs associated with breaking a fixed-rate loan can be expensive although if you fix prior to a major rate hike, then these costs won’t be incurred.

Key take-away – If you can lock in a 3-year rate at less than 4.5% interest-only then I’d be doing so remembering that the gross rental yield we aim for in all our investments is 4.5%. Feel free to get in touch with us to see what your finance options are.

South-East Queensland

This market is still ticking all our investment boxes. Latest announcements are a $1 billion surplus in the State budget (thanks to a coal comeback), the go-ahead of Adani’s Carmichael coal mine (to be world’s largest), first stage of Ipswich City $150 million redevelopment and continued expansion of RAAF Amberley with arrival of approx 2000 extra personnel over the coming years.

There’s also still a lot of activity going into Gold Coast infrastructure in preparation for the 2018 Commonwealth Games and the Sunshine Coast is not far behind especially with the University Hospital and Kawana health precinct.

As always, land value will absorb this increase in economic growth. We just need to put a business (housing) on top of it so that we can afford to hold it. Price-points in this market are still also affordable compared to Sydney and Melbourne.

DHOAS

I’ve been hearing a lot of push-back recently about the NAB and their refusal to lower DHOAS interest rates below 4.35%. Defence Bank now have a 3.95% comparison rate offer on DHOAS loans plus $1600 cash-back if applied before 31st Dec 16. If you currently have lending with Defence Bank, it may be worthwhile putting a call in to see if they can also lower your current rate.  https://offers.defencebank.com.au/dhoas-home-loan

Merry Christmas!

From all of us at the Defencewealth team, we wish you and your family a very Merry Christmas and safe, prosperous 2017! As always, please get in touch if you’d like to start looking at your property investment and finance options over the holidays.

Quote: Wealth is like energy. It can never be destroyed. It simply transfers from one entity to another – Mike Maloney

6068-merry-christmas-messages

SSS – Sept/Oct 2016

Interest Rates
The official cash rate has been kept on hold at 1.5%. Some analysts expect another cut in November but will all depend on inflation data. Majority of interest rates on investment lending are around the 4.2-4.5% range with some lenders offering sub 4% if packaged with an owner-occupied loan. If you currently have a NAB DHOAS loan greater than $250K your target rate should be 4.4% or below.

DHOAS
Our network now includes capacity to accept and process DHOAS home loan applications through Australian Military Bank (AMB). If you or someone you know would like to discuss DHOAS loan options, subsidies or the potential grants available for first-home buyers when building new, then please get in touch.

Australian Market
Cairns. Plans for the $8 billion Aquis casino project have been cancelled for a luxury hotel complex capped at $2 billion. If this project gets approved, it will still prove to be a boon for the Cairns economy (and land values). Although Cairns is predominately tourism driven, it could still be a good play given the low Aussie dollar and increasing tourist numbers coming to Australia from the Asia-Pacific region. I’m still keeping this market in the watch-list.

South-East Queensland. There’s a lot going on in this market particularly to the north and west of Brisbane. As mentioned previously, congratulations to those that purchased in Coomera and Pimpama as new-release land prices no longer offer investment value.

Key markets for us are now within the Ipswich LGA and north toward the Sunshine Coast. When assessing a potential market, key fundamentals are infrastructure, commercial investment and population growth. The following projects are either planned or underway in both regions:

-$5 billion Kawana Health Precinct
-$2.3 billion Sunshine Coast University Hospital
-$1 billion on the Bruce Hwy upgrade (linking Brisbane with Sunshine Coast)
-$400 million on the Sunshine Coast international airport upgrade
-$12 billion Springfield community
-$1.5 billion Springfield rail link
-$2.8 billion Ipswich Motorway upgrade
-$154 million Orion Shopping Centre
-$1 billion Citiswich Project (Ipswich CBD upgrade)
-RAAF Amberley major base upgrade

Adelaide. Since the $50 billion submarine project announcement this year, sales activity has increased across the city. Key markets we’re watching are within the Port Adelaide Enfield and City of Charles Sturt LGAs.

Law of Economic Rent. As mentioned, the above projects will attract population growth and strengthen local economies. Local land values will absorb this increase in economic output which is why land content is the critical piece to any property investment.

As always, please get in touch if you have any questions or would like to expand or start your long-term property investment portfolio with an experienced team.

QuoteTime is more valuable than money. You can get more money, but you cannot get more time. Jim Rohn

Strategy – The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2million portfolio at 90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The types of properties Catherine and I recommend are considered investment grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

SSS – July/August 2016

Key investment topics we’ve been tracking over the last couple of months are as follows:

RBA Cash Rate – Dropped to 1.5% in August. Most banks will not pass on the full rate cut as returning profit to shareholders is their number one priority. If you’re with a big 4 bank you can expect between a 0.10% – 0.15% reduction at best.

Main reason for the RBA drop was low inflation figures and a higher Australian dollar. Regarding inflation, government and the RBA need higher inflation to keep tax revenues high as well as reduce the value of government debt. When it comes to the Aussie dollar, a higher dollar means we export less and our terms of trade go negative. These numbers aren’t looking at changing anytime soon so there is potential for another RBA cut by year’s end.

Australian Market – Overall the national property market is doing pretty well despite the crash calls late last year and early this year. Some markets are obviously performing better than others and this all relates back to the economy of that region however the number of properties being transacted for less than $400K is declining. In summary:

• Sydney is at its peak with approximately 6-12 months of growth left before it stagnates
• Melbourne still has opportunities for capital growth but lower rental yields
• Brisbane (SEQ) and Adelaide present best prospects for both growth and yield
• Darwin and Perth still correcting. Will need to revisit once the commodity price-cycle smooths out.

Strategy – The Defencewealth strategy of TWO-50-TEN™ is based on acquiring a $2million portfolio at 90% LVR over a 6-8 year timeframe. Once acquired we work to reduce the LVR to 50% over the next 4-7 years using a combination of capital growth and principal repayments. Once at 50% LVR, you will have some serious financial options but it will take time (10-15 years) to achieve. The types of properties Catherine and I recommend are considered investment grade based on experience and results and are selected for their balance in anticipated cash flow, capital growth and risk.

DHOAS – Food for thought: if you currently have a DHOAS home loan it may be worth investigating looking at non-DHOAS options particularly when owner-occupied rates are below 3.80% with other lenders. Each individual case will vary however for someone on a Tier 3 subsidy and $400K loan, the difference in interest saved at 3.80% is slightly more than the $350/mth subsidy received at the higher DHOAS interest rate of 4.4%.

Of course there are many other variables like offset accounts and a credit card facility which are crucial for those with multiple properties and the subsidy tends to pick up more slack in higher interest rate environments. But if anything, it might be worth using the above to negotiate a better rate with NAB, ADCU or Defence Bank if you’re currently paying above 4.4%.

Don’t forget that Simon and his team can assist you in all lending and finance requirements as well as that of family and friends. If you or someone you know is ready to start building genuine wealth through property then please get in touch!

QuoteMoney is not wealth just as a clock is not time

SSS – May/June 2016

G’day All,
Key investment topics we’ve been tracking over the last couple of months are as follows:

Interest Rates
The RBA cash rate was dropped in May to 1.75%. This was due to low inflation of less than 2%. Don’t forget that the world’s central banks will do whatever it takes to keep inflation going – including going to negative interest rates as is currently the case in the EU, Switzerland and Japan. Although it’s doubtful Australia will get to that stage, we are expecting another interest rate cut later this year to 1.5%. For this reason my lending will be kept at variable rates for the time being.

Hard assets such as property (land), gold and fine art are excellent stores of wealth in an inflationary environment. Land value though is also tied to its overlying economy which is why we remain focussed on residential property in strong growth areas. Be very weary of apartments as land content is significantly less and you will end up with more depreciating asset than appreciating.

Australian Market
Adelaide – The $50 billion submarine and frigate project announced in Adelaide will be a big boon for Adelaide land values in the future. Vacancy rates remain tight overall and we’re seeing good growth in the western suburbs. Well done to our FHB’s in Seaton and Semaphore that have recently built. We can also assist in sourcing investment-grade stock for those interested in the Adelaide market.

South-East Queensland – Still remains strong and is our prime investment location. Key areas are the northern Sunshine Coast corridor and Ipswich LGA mainly due to infrastructure and population growth (Ipswich now at 188,000). New home packages in Coomera and Pimpama are now breaching the $500,000 mark so congratulations to those who got on board early!

Rental Values
Although there’s been a drop nationwide in rents with some areas like Perth more impacted, there should be no real change in your net return as interest rates have also dropped. Regarding vacancy rates, latest SQM data has all capitals at now less than 3% with Perth the only exception at 4.9%.

ADF Super
The new superannuation scheme begins on the 1st July allowing members more direct control over their superannuation investments. Whilst seeking professional advice on whether to switch is highly recommended, current members will generally be better off by staying on the current defined benefits scheme (MSBS). This can be substantially bolstered with a separate 10-15 year property investment plan. More details on ADF Super here.

Quote
Being rich is having money; being wealthy is having time. – Margaret Bonnano

If you or someone you know is ready to start building genuine wealth through property then please get in touch! We can assist in all aspects of finance, asset selection and strategy!

SSS – March/April 2016

G’day  All,

Key investment topics we’ve been tracking over the last couple of months are as follows:

Australian interest rates

The RBA cash rate is still on hold at 2% but we can expect another cut by year’s end. The interest rate you and I pay on our loans will either remain stagnant or slightly increase throughout the course of the year as banks continually test the waters on how to further extend profitability. At this stage I’m still keeping my loans variable as it provides more flexibility during the acquisition phase.

60 Minutes story – housing crash

An American economist by the name of Jonathan Tepper was on 60 Minutes back in February warning Australia of a pending housing crash. It turns out Tepper and his hedge fund had significant ‘short’ positions on Australian banks. The 60 Minutes approach was an apparent attempt to get the mainstream (mum & dad’s) to sell down their shares in the major banks so Tepper & Co could get out of their short positions at reduced costs.

The 60 Minutes story focussed on inner-Sydney property prices and the huge losses experienced in the QLD mining town of Moranbah. As experienced investors we would never condone buying into either of those locations simply because the market fundamentals don’t support it even at the height of the mining boom.

Negative gearing

A lot of debate and commentary lately on the merits of getting rid of negative gearing. I wouldn’t get too hung up on it as it will almost certainly remain in place for new builds which is our primary asset class.

Australian market

With national unemployment steady at 5.8%, mortgage delinquency rates below 2% and a lot of infrastructure under construction or being planned, Australia as a whole is looking pretty good. The mining economies of WA and the NT are in a downturn and should present some good buying opportunities in the next 12-15 months.

Our primary focus is still in the south-east QLD market given the strong combination of infrastructure, private industry expansion and population growth. Good opportunities are also available in the Victorian regions of Epping and Sunshine.

http://www.news.com.au/national

MSBS retention

For our members considering tax-efficient options when receiving the retention benefit, a valid strategy is to prepay up to 12 months interest on an investment loan in the financial year it is received. When coupled with the significant depreciation ($8-$12K in the first year) on a new build, more of your income tax will be diverted to your asset base instead of Canberra. This will require personalised accounting advice for which we can provide a referral.

Many thanks for all your referrals so far as we really enjoy assisting ADF members, their friends and families build genuine wealth through residential property!

Quote

Someone is sitting in the shade today because someone planted a tree a long time ago – Warren Buffet

SSS – Jan/Feb 2016

RBA Cash Rate
-Remains on hold at 2%. Inflation increased slightly over the Christmas quarter but still remains under the RBA’s preferred 2-3%. Expect official rate to remain on hold with potential for another cut.
-Interest rate increases by the banks from hereon are now purely for profit as investor lending growth is now contained below the regulator’s (APRA) annual 10% guideline. If in doubt about any loans you have then please get in touch with Simon to arrange a no-obligation review.

Global Economy
– US raised their official interest rate by 0.25% on the back of a strengthening economy and increasing real-estate values.

-The Japanese official interest rate is now negative and I promise this isn’t a joke. This only affects the Japanese banks in a bid to get them to lend more money into the economy rather than keep reserves on deposit with their central bank. http://www.bloombergview.com/quicktake/negative-interest-rates

-Global oil prices have dipped below US$30 a barrel. Cheap energy is a pre-cursor to a strong economy and a strong economy is what supports rising property (land) prices.

-Whilst China is in a spot of bother economically, most of their issues will remain contained internally. Whenever you hear bad news always remember that there’s approximately 2.5 billion people in the Asia-Pacific region that are either in or moving into a recognised middle-class. These people will be demanding higher quality food, leisure, health and education and Australia is well placed to service these demands. Take baby formula for instance. The Asian Century is the main driver behind the Federal Government’s push to further develop northern Australia.

Australian Market
-No change to our focus on the south-east Queensland market. Congratulations to those that have recently secured early-stage land through Catherine in Brisbane’s south-west corridor!

DHOAS
-As a guide for those with a NAB DHOAS loan, you shouldn’t be paying more than a 4.75% interest rate. The bigger your loan amount then the bigger the discount. If you are paying more than 4.75% then get in touch with NAB and request a lower rate.

Overall 2016 looks set to be a solid year to get your property portfolio underway. The ideal time was 2 years ago but the next best time is now. For those in their mid-20’s that have recently joined Defencewealth and started the TWO-50-TEN™ journey – welcome! By the time you are in your mid to late 30’s you’ll be in a very healthy financial position provided you stay the course.

If you or anyone else you know are seriously considering property investing then please get in touch. As investors ourselves, our core business is to assist you with strategy, finance and asset selection with referral partners for tax, accounting and financial planning.

Here’s to a great year!

Quote
Diversification is protection against ignorance. It makes little sense if you know what you are doing – Warren Buffet