Links

The following links are provided as a convenience for your use.

• ASIC - Australian consumer protection, www.asic.gov.au with a reverse mortgage calculator at www.moneysmart.gov.au/tools-and-resources/calculators-and-tools (under Retirement)
• Cannex - interest rate service comparison on a variety of products www.cannex.com.au
• Centrelink- social security benefits www.humanservices.gov.au/customer/dhs/centrelink
• CIO - dispute resolution organisation www.cio.org.au
• Department of Health and Ageing - information on health www.yourhealth.gov.au/internet/yourhealth/publishing.nsf/Content/home
• Department of Social Services - support for Australians www.dss.gov.au
• Loans Actually - accredited mortgage broker group www.loansactually.com.au
• MFAA - general information on mortgage broking and calculators http://www.mortgageandfinancehelp.com.au/
• NICRI – national information centre on retirement investments www.nicri.org.au
• PLAN Australia- major mortgage aggregator, calculators and loan information www.planabettermortgage.com.au
• SEQUAL - Seniors equity lenders governing body www.sequal.com.au
• VEDA – a credit reporting agency, to obtain your own personal credit file www.vedaadvantage.com

Recommended Professionals

The following is a link to recommended professionals that we have used or are strongly recommended by clients to assist you achieve your property portfolio goals. By all means let them know we suggested you contact them as a courtesy, we do not receive any rebates or commissions from these companies.

• Mitchell Property Management – a specialty Melbourne property management company, give Hayley Mitchell a call.                www.mitchellpm.com.au
• Principle Conveyancing – a professional Victorian conveyancing firm, give Martin Galea a call.                                           www.principleconveyancing.com.au

 Information

The following links are provided to help you understand the terminology used for both lending and property sales as well as real estate jargon or abbreviations. It also describes some of the more common types of loans and the documentation normally required for a loan application.

We have also provided a summary of the process we follow when we are working with clients and raise some of the potential issues to be aware of when seeking finance approvals.

• Terminology
• Types of Loans
• Documentation required
• The Loan Process
  • Client Fact File
  • Monthly Estimated Expenses
  • Investor General Flow Process
  • Service Commitment Flow
  • Settlement Process Flow
  • Reverse Mortgage Process
• Potential Issues to be aware of
• Steps for new property investment purchases

• ATO 2012 Rental Property Guide
• PAYG witholding variation application 2013
• ATO ITV 2013 spreadsheet

• ATO 2013 Rental Property Guide
• 2014 PAYG Withholding variation instructions
• 2014 PAYG Withholding Variation Application
• ATO ITV 2014 Spreadsheet

• Home Buyer's Guide
• Your Rights at Retirement
• Key Information on Reverse Mortgages

 

 

 

 Forums

There are some  excellent educational forums on the web, a couple I am involved in are InvestEd.com.au and the Steve McKnight's PropertyInve$ting.com

 

 

Strategy Document Examples

For clients who chose to take on our strategic review and plan process, we have attached an example of some of the documents we provide as part of that service, with different strategy plan examples that are client specific. Please contact us if you would like to know more on how we can help you build your property portfolio.

• 10 years  - 5 properties
• Strategy Example1
• Strategy Example2
• Strategy Example3
• Example Data assumptions
• Income tax comparison - before and after