Residential property investment is a time-tested and proven strategy to build and enhance your personal wealth over time. When investing in property it’s important to find the right property in the right location and our team is here to ensure you make the right investment decisions.
Please read through our questions and answers below and if you have a question about property investment that we’ve not already addressed, please contact us at email@example.com
Residential property investment is a time-tested and proven strategy to build long-term personal wealth. By working with our team of professionals to select the right investment properties in the right locations, structure your finances correctly, and continue to build your portfolio, you can substantially improve your personal financial position.
Yes, you can and we will advise you on the best way to allocate your capital across different properties in different areas to diversify your portfolio. There are a range of key considerations to be mindful of including tax implications and cash flow, and we can guide you through each step of this process.
Unfortunately, there isn’t a simple answer to this question and we must consider a range of factors. This includes your own preferences, financial situation and goals. It is also dependent on the location that will provide the best investment return, that will dictate the best dwelling type. As we explore the best areas to invest in, we will guide you through the process of deciding whether a house or apartment would be more suitable for you to invest in.
The experienced team here at Wise Guru conducts comprehensive research and due diligence on property markets right across Australia. We have access to major research houses in Australia including BIS Shrapnel, CoreLogic and the ABS, plus our own in-house analysis to identify the right locations that are best positioned for capital growth for our clients. We can then use this valuable information to guide you through which type of property to invest in and the most attractive location for investment returns.
When investing in property it is important to ensure that your finances are structured correctly based on your own personal financial situation and your investment goals. Our team at Wise Guru ensure that this is handled and advised on correctly for you.
Please read through our questions and answers below and if you have a question about property financing that we’ve not already addressed, please contact us at firstname.lastname@example.org.
Positive gearing refers to the situation when your rental income earned on your property exceeds the costs of the interest on your mortgage and other ownership expenses. It is important to note that you may be subject to tax payable on the income from your positively geared property.
Negative gearing refers to the situation when the costs of owning your property – including bank interest, repayments, charges and other property costs – exceed the rental income that you generate. Negative gearing can be a useful strategy if you have other Australian income to reduce or eliminate your tax liability. Negative gearing could also allow you to build up tax credits over time which can be beneficial to you at a later date.
Negative gearing has been available to investors for over 20 years for their Australian property investments. The Government made the costly mistake in the 1980’s of abolishing the ability for investors to claim interest losses from their rental property against other income. This led to turmoil with rents rising, construction falling and an overall negative outcome.
Typically, as an expatriate or foreign national, you can borrow up to 80% of the value of the property from a range of lenders in Australia and overseas. We also have special arrangements in place for those working in specific sectors to borrow up to 90% of the value of the property and our clients outside of these sectors can typically borrow up to 85%.
When you are investing in Australian property and renting it out to your tenant, the interest costs associated with your property loan are tax deductible, whereas the principal repayments are not. It often makes the most sense to opt for an interest-only loan to keep your funds available for other investments. We can advise you on the best approach for you based on your own situation.
A key part of property investment is managing your cash flows by having an excellent tenant in your property. We work with highly experienced and professional property managers right across Australia to ensure you have the right tenant in your property and that your property manager is looking for a tenant for you prior to settlement of your property.
Please read through our questions and answers below and if you have a question about property management that we’ve not already addressed, please contact us at email@example.com.
The vacancy rate across most capital cities in Australia sits below 2%. This means that each year, your property could be vacant for 7 days of the year. By working with us to help you find the right investment property in the right location, we will ensure your property will be easily rented out to the right tenant. We also assume a higher vacancy rate when analysing our investment opportunities to ensure that you are prepared should the worst-case occur.
We will assist you in putting a comprehensive insurance policy in place to protect you from such damage. The cost of such an insurance policy is minimal and also tax-deductible. This will provide you with comfort and peace-of-mind knowing that you are protected should the unforeseen occur.
Our team at Wise Guru will assist you to find the right property manager in the local area for you. We identify the right property manager experienced in dealing with your target tenants and type of property for you, as well as ensuring they are looking for a tenant for you before your property settles.
This is largely dependent on the location and demographics of your tenants. In our research, we find that many tenants now prefer units over houses, security and proximity to key services such as schools, public transport, shops, cafes and other key amenities and services.
Property conveyancing and settlement are two important parts of the property investment process. We work with legal forms to provide property conveyancing and settlement services across the country to ensure this process is handled seamlessly for you.
Please read through our questions and answers below and if you have a question about conveyancing and settlement that we’ve not already addressed, please contact us at firstname.lastname@example.org
Property conveyancing refers to the process by which there is a transfer of title of property between two parties, the buyer and the seller. Conveyancing begins generally from the time you enter a contract to buy or sell, and ends with the registration of the property transfer at the land titles office in the relevant jurisdiction.
Property settlement is the time at which representatives of each of the parties involved meet to check and exchange final documents, and the payment for the purchase price is made. Shortly after the settlement date, the registration of the property transfer will take place at the land titles office.
Our team at Wise Guru have been working with excellent property conveyancers in all states for many years and can easily assist you with this process. We continue to liaise with you and the conveyancer every step of the way to ensure you are well looked after and the process is clear and understandable for you. The legal firms we work closely with will also cap their fees for our clients.
Our team at Wise Guru offers a comprehensive, tailored concierge service for all of our property investment clients. This starts with identifying the right property in the right location for you based on your situation and financial goals, structuring and arranging finance for you in your preferred currency through your preferred lender, arranging conveyancing and the legal processes, through to ensuring you’re working with an excellent property manager to ensure you have the right tenant. We can guide you through the cash flow process and help you build your property portfolio over time. We continue to meet with our clients on a regular basis to review their investments and do not charge for this additional ongoing service.
Our team at Wise Guru regularly works with and advises clients right across the Australasian region and in some cases, right across the globe. We can arrange teleconferences and Skype discussions to review your current situation and investment goals. We can then guide you through the entire property investment process, removing as much anxiety and stress as possible for you.
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“We have subsequently become a great supporter of the business referring family and friends to Andrew over the last 2-3...
“We have subsequently become a great supporter of the business referring family and friends to Andrew over the last 2-3 years. We were no different to your average Australian family our age, in that we had limited knowledge on what we were capable of doing and did not think we could afford to do anything.”
“Andrew was able to show me how to create additional investments through loan structures of which I was unaware. The...
“Andrew was able to show me how to create additional investments through loan structures of which I was unaware. The service that Andrew and his team has provided meant that every aspect of the process was managed by them.”
"As a long-term Australian expat, I have long wanted to get into the Australian property market. Thanks to Wise Guru...
"As a long-term Australian expat, I have long wanted to get into the Australian property market. Thanks to Wise Guru I was able to comfortably enter the market, and I don't think I could have done so on my own - lacking the necessary time and expertise. The process was quick and easy and, while it is still early days, I have started to learn about property markets as well."