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  • Save tax through successful loan structuring

    How you structure your loans can have a big impact on the tax you pay, your risk, your ability to build wealth, your cash flow and your general financial strength. Efficient loan structuring is a commonly overlooked and rarely understood topic but that’s not to say it’s overly complex. Like anything, you don’t know what … Read More

  • The ins & outs of property investment borrowing within your SMSF

    Self Managed Superannuation Funds have become the ‘new black’ in property investment circles. This is largely due to legislative changes introduced by the Howard government back in September 2007, to provide an exception to the general rule that prohibits super funds from borrowing money. This exception relates to what is commonly referred to as an … Read More

  • Tell your friends and family…

    Free access to property sales information normally restricted to real estate agents and buyers advocates Property Outlook is a unique search tool that provides valuable sales and rental data. It can save you time and energy when you’re property hunting, and can help you make better, more insightful investment decisions. Enjoy a 360˚ view of … Read More

  • It could take you 5 years or more to get out of a dud property investment. But how do you know if your property is a dud?

    Last week a journalist asked me “what percentage of investors I thought owned dud investment properties?” It is an interesting question. My answer was that after over a decade of reviewing hundreds of investor portfolios I would estimate that approximately 60 % to 70% of people have a least one dud (under-performing) property. This fact … Read More

  • BATTLING BANK VALUATIONS

    A low bank valuation can retard your ability to add to your investment property portfolio. So what do you need to know about the valuation process to minimise the risk of a low appraisal? story STUART WEMYSS What is value and how is it determined? ‘Fair market value’ is defined as a value at which … Read More

  • CROSS-SECURITISATION: DON’T GET LOCKED IN

    Cross·securitisation is when a lender uses more than one property to secure a loan and, according to STUART WEMYSS, it can create all sorts of headaches for investors. Cross-securitisation is often described as insidious. Insidious is defined as “developing so gradually as to be well established before becoming apparent”. In other words, the detrimental effects … Read More

  • ARE YOU BEING SERVED?

    How can you get better service from your bank? As STUART WEMYSS explains, there are ways to achieve customer satisfaction with your lender. Here’s my big task – writing an article about the service banks provide without swearing or being too derogatory. As a person who works in the finance industry, I very rarely come … Read More

  • TRADING PLACES- TO SELL OR NOT TO SELL?

    If you’re planning to upgrade your current home, should you sell it or keep it as an investment property? This is the question most people ask themselves at least once during their lifetime. Story STUART WEMYSS The first home people purchase  is generally not going to be their home for the rest of their lives. … Read More

  • STRUCTURING FOR THE FUTURE WITH COMPANIES AND TRUSTS

    How do you borrow funds for an investment property through a trust or company? Story STUART WEMYSS More and more investors are starting to think about the legal structures that they have in place when investing in property, or any other assets for that matter. It’s important to maintain perspective when considering legal structures, because … Read More

  • STRUCTURING FOR THE FUTURE

    How can you avoid being trapped in a bad loan structure? BY STUART WEMYSS A poor loan structure  is the most insidious  and commonly overlooked mortgage issue by investors, accountants  and mortgage brokers. In my article last year (published in the February/March 2004 issue of API) I set out a step-by-step example of how an … Read More

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