Property Investment Strategies

Investment Offset Account Strategy

What is an offset account? An offset account is an everyday bank account that is linked to your home loan. Any income and savings can be deposited into the account and the balance is then offset against the amount owing on your home loan. An example – If you have a home loan standing at …

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Have A Strategy

Before any property is purchased it is wise to have an overall strategy; an entry strategy, exit strategy, finance strategy, and finally a bi-annual review with PanVest Property. This forces you to stop and have a think about what your goals and needs are and then work out the best way to make it happen. …

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SMSF Strategy

Investments in Self-Managed Super Funds (SMSF’s) have significant tax advantages over investments outside of superannuation and provide a great wealth-building opportunity. Some of the key tax advantages are – Income Tax on income of your SMSF investment is set at 15%, compared with up to 45% (base rate over $180,000) outside of superannuation. Tax on …

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Rentvesting Strategy

What is Rentvesting? Rentvesting is a property strategy that allows you to get a foot in the property market by buying an investment property where you can afford, while still being able to rent close to your family, friends, work and life. The best of all worlds. This strategy is becoming increasingly popular amongst young …

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Negative Vs Positive Geared Strategy

Gearing simply means borrowing money to invest. Think of it like a bicycle. You have gears to multiply your pedal power when you ride uphill. Well, gearing/borrowing for your investment multiplies your investment power so that you can buy a property that you might not otherwise be able to afford. So, every time you borrow …

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Good Fundamentals Strategy

Buying an investment property is one of the biggest financial decisions one might face in their lifetime. It is important to consider all factors which may affect the performance of your investment property on both a macro and micro level. While everyone will have a slightly different property strategy to suit their personal goals, ideally, …

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Buy And Hold Strategy

A “Buy & Hold” Strategy is exactly as it sounds. A strategy where you purchase a property and hold it for the long term. In the graph below created by our property Analyst Ellen Nesteroff, you can see that from 2003 to the present, property in the Capital Cities of Australia has continued to increase …

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Bank Of Mum And Dad Strategy

With house prices becoming exceedingly unaffordable in cities like Sydney and Melbourne, it is time to start thinking outside the box to get your foot in the property investment door. What is the Bank of Mum and Dad? The ‘Bank of Mum and Dad’ is a colloquial term referring to financial assistance from parents to …

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Use Home Equity To Invest Again Strategy

What is Equity? Equity is the value that you have in your home after you have paid off your mortgage. For example, if you have a home and it is valued at $1,500,000 and you have a $300,000 loan then the current equity would stand at $1,200,000. How Can I Use My Equity? You can …

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Invest In Property To Pay Off Your Home Loan Faster

The problem with your home loan is that you repay the loan after paying tax on your income. This means that borrowing for your home loan is not very efficient from a tax perspective and contributes to the huge amounts of interest you will pay back and often ties you to the home loan for …

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