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Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely....

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Starter Pack We build your future www.dwyerpropertyinvestments.com.au
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Page 1: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Starter Pack

We build your future

www.dwyerpropertyinvestments.com.au

Page 2: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

IntroductionThinking of investing in property? Reading this Starter Pack from Dwyer Property Investments is the first and most important step you should take. It provides the basic information that everyone should have before embarking on an investment property purchase.

However, it is by no means a fully comprehensive guide. There are simply too many topics relating to property investment to cover them all in detail here. But what the Starter Pack will do is introduce you to the ‘How’ and ‘Why’ of property investment and guide you to the next stage. And what is that crucial next stage? It is finding out if you are in a position to invest wisely.

Your fi nancial growth is our guaranteeDwyer Property Investments would like to show you just how easy and fool proof it is to live your dream and own your own investment property.

We have taken the risk and the hard work out of the process so you can reap the rewards quicker. Plus we look after you from start to finish and beyond. • No cash up front• A fixed price contract with no hidden costs.• You deal directly with us throughout the process.• Rent guaranteed for 3 years – which is an industry first! • We have over 30 years experience in South East Queensland – and a great reputation.

The right time to invest is NOW whilst the property market is picking up so don’t miss the boat!

Why consider it? This is a chance to make a solid investment in your financial future and there are significant tax benefits in owning an investment property.

It’s easy to do because we’ve made it stress free and simple for you. Here are the 3 steps to financial freedom

1Step

2Step

3Step

Select a Product

We help you select an investment product that suits your budget.

Finance

We prepare reports for the bank, the

accountant, the tax man and we can recommend an

independent investment property

mortgage broker.

Relax

Let us do the rest – we’ll take care of the

entire building process and then we’ll manage and rent your property.

1Step

2Step

3Step

1Step

2Step

3Step

Now sit back and watch your investment grow while other people payOne of the strongest incentives for buying investment property is that you are using the tax man’s money, the bank’s money and the tenant’s money to ensure your fi nancial growth. In real terms a 7.4% growth means you are getting over a 1,000% return on your actual investment.

Tenant65%

Taxman35%

Page 3: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

What We DoWe at Dwyer Property Investments help to take the risk and the hard work out of the investment process, so that you can own a good quality investment property without any of the risk or stress and all of this at no additional cost to you.

Dwyer Property Investments provide a full service to the investor, which is unparalleled in the industry.

We Design for the InvestorWe have developed plans specifically for the property investor to give the highest rental returns. The plans we have for our investors are suited to what tenants want so will secure long term, good quality, happy tenants which maximises rental yield and minimises vacancy rates. We also keep in mind capital growth for resale by creating attractive facades, clever internal design features and make sure that clients do not overcapitalise on the property by having a set of inclusions and colours pre determined.

We Research the Locations Dwyer Property Investments specialise in residential investment property in South East QLD specialising in the Sunshine Coast, Brisbane and theGold Coast. We are not a franchise nor are we a national company. No one can know about all regions in Australia so we choose to specialise in South East Queensland, and be the best. This means that we have an in depth knowledge of the region, the new land releases and where best to invest. We are not looking for the best area for you to live – we are looking for the best investment property.

Award Winning Builder – One Builder, Full ControlWe work directly and exclusively with one builder – Dwyer Quality Homes, who have been building homes and investment properties in South East Queensland for over 30 years. As a Dwyer Property Investment client you get the advantage of peace of mind – you know you are investing in a quality product built by one the most reliable and reputable builders on the Coast.

One of the only builders in QLD who give a 30 year construction warranty with every build

Our Guarantee

We are so confident of our product we guarantee the rental return, we guarantee the completion date and we guarantee your satisfaction.

Page 4: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

What We Do continued3 Year Rental GuaranteeIn an industry first, Dwyer Property Investments will provide a rental guarantee for 3 years. This means no worrying about vacancy, arrears, no need to deal with Property Managers or tenants, everything is taken care of by us. Our property management team has an occupancy rate of 99%. We choose to offer a three year rental guarantee to make the process easier for you and give you total peace of mind.

Rent Ready, Fixed Price PackagesAll of our prices are totally rent ready packages. Investors need a product that is rent ready and not a property that is turn-key. Rent ready includes essentials such as landscaping, fencings, carpets and all complete with dishwashers, fans, air conditioning, TV Antennae, NBN, clothesline, letterbox etc. As Dwyer Property Investments are guaranteeing the rent, we guarantee that prices include all of these extras.

Our Network of ProfessionalsDue to our longevity in the industry we have built up a team of professionals to assist you with the journey to owning investment property and a Dedicated Dwyer Property Investment consultant will be with you all the way.

We are not financial advisors, we are not mortgage brokers, we are not a marketing company. What we do is provide potential property investors with all the facts and figures, we match their investment criteria to a product, assist them with finance and take them through all the administration of purchasing an investment property from start to finish.

We don’t leave it there – we then supervise the entire build process to completion and then guarantee the rent for 3 years. This service is an add on benefit to the investor but not an add on cost.

Owning your own investment property is not just a dream, it also makes great financial sense. Dwyer Property Investments can show you just how easy it is.

Page 5: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Our Investment CriteriaDwyer Property Investments has strict criteria by which all our investment properties must adhere to. We have researched and studied market trends for many years and devised a fool proof investment strategy.

This basic strategy has two levels. The first Primary level checklist is a must have for all properties, the secondary checklist is more subjective and on a case by case basis and these factors are evaluated as to their impact on the properties rental yields and capital growth potential.

Land developments or regions, which do not satisfy ALL of the Primary checklist elements, are not considered by Dwyer Property Investments.

Primary Criteria – Must haves3 Population growth area

3 Multiple industry workforce

3 Government investment in infrastructure both current and future

3 Retail investment projects underway or approved

3 Access to public transport leading to work hubs / CBD’s

3 Main arterial and local road network with easy access

3 Close proximity to Schools and recreation facilities

3 Close proximity to Schools and recreation facilities

Secondary Criteria – Desirable3 Multiple leisure activities available nearby

(beach, cinemas, rivers, sports grounds etc.)

3 Local perception of specific estate

3 Wider population perception of the region

3 Local community and general demographic

3 Desirable place to live, work and play

By adhering to this strict Investment criteria Dwyer Property Investments is able to guarantee rental yields and create equity wealth for their clients.

All the research has been done for you

Page 6: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Market ResearchDwyer Property Investments focus on residential investment in South East QLD specialising in property on the Sunshine Coast, Brisbane and the Gold Coast. We are not a franchise nor are we a national company. No one can know about all regions in Australia so we choose to specialise in South East Queensland, and be the best. This means that we have an in depth knowledge of the region, the new land releases and where best to invest.

We are not looking for the best area for you to live – we are looking for the best investment property.

Sunshine Coast Investment PropertiesVery simply, the Sunshine Coast is a great place to live. The lifestyle, the geography and the infrastructure means solid population growth now and well into the future.

Also now home to what will be the largest Medical precinct in Australia – the Sunshine Coast University Hospital development, Kawana, has had a huge positive impact on to the local economy and is set continue for many years to come. Medical Professionals are moving temporarily and permanently to the area creating a demand for high quality rental properties and pushing up house prices.

If you are looking for an investment with a dependable future, the Sunshine Coast ticks all the boxes!

3 One of Australia’s largest populations – and growing

3 100,000 new jobs expected in the next 10 years

3 $billion infrastructure projects under way to meet demand

3 Australia’s largest medical precinct under construction

3 3 million visitors a year worth over $2.5 billion

Brisbane

Southport

LoganOrmeau Ridge

Gold Coast

Noosa

Coolum

Maroochydore

CurrimundiMountain CreekCaloundra

Pine Rivers

Page 7: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Market Research continuedBrisbane Investment Properties – Moreton BayMoreton Bay is the fastest growing region in Australia. This area is rapidly becoming the growth hotspot in SE Qld mainly due to the new Moreton Bay high speed rail link where construction is now underway. If you are looking for great rental returns, close to the CBD with good long term capital growth, you must consider this region.

3 Great value for money investments available

3 Only 30 minutes to Brisbane CBD via new rail link

3 3rd Largest population of any Aust local government and growing

3 Young demographic profile

3 Low unemployment

Gold Coast Investment PropertiesThe Gold Coast and its surrounds is renowned for surf, sand and sunshine. It makes the area one of the favourite places to live in Australia and a very attractive option for investors.

3 Population over 500,000 rising at 6% per annum

3 Gold Coast is Australia’s 6th largest Australian City topping two State capitals

3 Ranked one of the most desirable places in the world to live

3 12 million visitors a year injecting $1.5 billion to the local economy

3 Two international airports within an hour’s drive

3 The Commonwealth Games to be held on the Gold Coast in 2018 will have a $2 billion economic impact on the area.

See our web site for a more detailed analysis of the specific investment hot spots

Page 8: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

3 Year Rental Guarantee summary This unique offer is secured by Dwyer Quality Homes, builders of homes and investment properties in South East Queensland for over 30 years.

A contract is signed which states that as an owner of a Dwyer Property Investment home that the agreed, fixed rental amount, will be paid into your nominated bank account every month. This will be paid irrespective of whether the house has a tenant in it or not.

• There is no risk to the property owner of any vacancy, arrears in payments, or any loss of rental income.

• Hassle and risk free investment.

• No need to deal with tenants or property managers.

• We, the builders, look after the owners and the tenants, which keeps everyone happy.

HOW MUCH DO I GET? The amount you get is the market rate for that property and the gross amount is clearly indicated on all of our brochures from the very start. This amount is paid monthly to you from the day the house build completes or settles, for a full 3 years.

WHAT DOES IT COST? There is no fee to be a part of our rental guarantee, no letting fees and no risk of vacancy. A flat 9% admin fees comes off the Gross amount shown on the brochures but no other charges apply.

CAN I GET OUT OF IT AND DO I NEED TO DO IT? If for whatever reason you want to opt out of this rental guarantee at any time you can, just keeping in mind that the tenancy agreements we have in place are usually 12 months and time is needed to notify tenants. It is certainly not compulsory to take the rental guarantee.

WHAT HAPPENS AFTER 3 YEARS? You can continue on with us and we will charge you a industry standard management fee. You can put it with any other property management agency you want or you can take it on direct and deal with tenants yourself but for now sit back and relax that everything is being looked after and money is coming in.

Page 9: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Using Super to invest in propertyDwyer Property Investments works with a team of specialists in advising people about how to convert your Super into a Self Managed Super Fund and buy property in the fund.

All your life you have worked hard and paid into your super fund only to find out that it’s not worth what you expected – perhaps it’s barely even worth what you invested in the first place. Perhaps your dream of retiring comfortably seems to have slipped away. Many Australians will struggle to build enough for a modest retirement and will have to rely heavily on Government Assistance.

We can show you how to take control of your super by investing in an investment with low volatility but still with good expected long term growth, Residential Investment Property.

Banks will now lend up to 80% of the property value to a SMSF

Benefits of a SMSF If you have $150,000 or more in your super fund, you should consider converting it to a Self Managed Super Fund (SMSF). SMSF’s allow you to invest in assets your traditional Super fund doesn’t offer. There are many rules and regulations which must be strictly followed to prevent people from using their funds unwisely, or taking risks with their retirement money – for many their life savings.

A self-managed fund is managed by you with the assistance of an Accountant for tax compliance and a Financial Planner to provide assistance with Investment decisions as to how you want your fund to be invested.

A Self-Managed Super Fund gives you:

• Choice – investment decisions made by you the Trustees

• Control – over how your retirement assets are managed

• Tax efficiency – lowest rate of tax of any entity

• Up to 4 family members – combine supers

• Flexibility – many options for retirement income streams

Take control of your superMost Australians understand the general concept of property and many have made good returns from it. In fact 95% of Australian millionaires list property as their top method of wealth creation. Even though property has its ups and downs, most people have made money over the years on their own home – even though your own home is not tax deductible, and no one is paying you rent to live in it. They have made money from capital growth alone!

Many people understand the potential of owning an investment property but they are just unable to save enough money to buy one.

What to buyDwyer Property Investments offer 3 different types of SMSF compliant properties:

3Display Homes – Great rental yield

3Builder spec homes – Good value quick and easy

3House and Land packages – you choose location and design

Traditionally House and Land packages have not been available to SMSF investors as the SIS Act (s67A) prohibits the improvement of the asset. The conventional approach of buying land and building a house has not been permitted.

However, in conjunction with Dwyer Quality Homes we sell house and land packages on a single contract, meaning you can get the benefit of a new property and still meet the Compliance requirements of a SMSF.

Now you can buy new off the plan residential investment property in high growth areas of your choice, using the

money in your super fund.

Page 10: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Case study: First time investor This investor’s strategy was to have a cash positive investment and to build equity for deposit to buy a second property in 2 to 3 years.

Clients Investment Scenario3No cash deposit

3Client borrowed 100% plus costs for the purchase

3Gross income of $60,000 pa

34.7% interest rate fixed for 3 years

Case study: Portfolio builderThis investors strategy was to invest and hold to build a retirement nest egg.

This investor has purchased many properties over the years and with a principle and interest loan now owns many of them outright. He’s now selling off some properties to create cash for his retirement whilst keeping others to continue a steady cash flow.

This one property, even after paying capital gains tax and costs, gave him a cash injection of over $420,000. In 2014 he retired aged 55.

Even greater tax benefits exist if this property was bought and sold in his super but in 1990 the opportunities for this were very limited.

Bought 2013

$504,000Valued 2016

$595,000Equity gain

$91,000 ($30,000 p.a)

Average weeklyRental income

$495

Average weekly costs (interest, rates, insurance etc)

$515

Depreciation tax benefits calculated weekly

$65

Average income per week for 3 years

$45 cash positive

This investment was earning $45 per week and making $30,000 per year in equity gain.

Bought 1990

$137,000Sold 2016

$665,000Equity gain

$518,000 ($20,720 p.a)

Barramundi Court, Brightwater Estate, Sunshine Coast, Qld

Coonawarra Drive, Mooloolaba, Sunshine Coast, Qld

Real investment properties creating realwealth for investorsWith 30+ years of experience in the business we understand the need to ensure that investors totally understandthe figures before moving forward with any investment decision. It is imperative that this major financial decision isbased on sound, genuine figures which are not only backed up by statistics, but are guaranteed and not simply speculation. No one can guarantee future capital growth but we can predict it based on past performance. What we can guarantee is the weekly rental return and cash positive income our properties create for the investor.

Each clients financial situation is different therefore we discuss and create a ‘client specific financial strategy’. This financial strategy will determine the type of loan, and the type of property most suited to achieve this agreed financial strategy.

Page 11: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Our Success StoriesFor the past 30 years, hundreds of Australians have invested in our hassle-free properties. We’ve helped both seasoned investors and first-timers. Our investors get 3 years guaranteed rent, transferred to their bank account every month.

Peter’s StoryPeter had previously invested in a number of investment properties and wanted to build on his portfolio. Ready built property on a single contract with guaranteed rent within four weeks made it an easy decision.

Total Upfront Investment:$118,200

Rental Guarantee Per Week:$480

Purchase Date & Location:February 2014, Brightwater$510,000

Purchase Price

$582,000Estimated Property Value As Of July 2016

$36,000Equity Growth Per Year

Peter Campbell“Within the first year, I had the property valued and was pleasantly surprised that it had a gain of around $35,000-40,000 on the valuation.”

Click to play

Tom’s StoryTom works in the Oil & Gas industry and started to think about investing in property and paying less tax. In 2012 he built his first investment property. In 2014 he was able to buy a second house using equity generated from the first property.

Total Upfront Investment:$29,900

Rental Guarantee Per Week:$430

Purchase Date & Location:April 2012, Brightwater

$430,000Purchase Price

$520,000Estimated Property Value As Of July 2016

$30,000Equity Growth Per Year

Tom Tyler“Two years on we have had no issues and are able to basically sit back and watch our investment grow.”

Click to play

Tevors and Lee’s StoryTrevor and Lee are Brightwater residents who are now Brightwater investors too. As newcomers to property investment, they were looking for a solution that would make investment process simple and hassle-free.

Total Upfront Investment:$35,150

Rental Guarantee Per Week:$480

Purchase Date & Location:May 2012, Brightwater

$525,000Purchase Price

$640,000Estimated Property Value As Of July 2016

$30,000Equity Growth Per Year

Trevor Stanyard & Lee Brignull“The quality of the workmanship of our Dwyer home exceeded our expectations. The assistance we received from the start has been outstanding.”

Click to play

Page 12: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Includes: 30 Year structural warranty

We build your future

Totally Rent Ready package with nothing more to pay

Call 1800 088 437 or visit:www.dwyerpropertyinvestments.com.au

Deluxe Rent Ready Inclusions

• Timber fencing to all boundary’s with side gate

• Fully landscaped to front, sides and rear

• Stainless steel European kitchen appliances

• Stainless steel Dishwasher

• Built in Microwave space with power point

• A/C in Master Bedroom and living area

• Contemporary LED down lights throughout

• Window furnishing to all windows and sliding doors

• TV antennae with additional points throughout

• NBN and additional points throughout

• Overhead fans

• Full render to all exterior walls

• Exposed Aggregate driveway and Porch

• Fully Tiled Alfresco

• Clothesline, concrete pad and letterbox

• Colourbond roof and garage door with remotes

• Carpets to bedrooms and Media room

• Tiles to all other living areas

• Fly screens on all opening windows and sliding doors

• Security screen front door with closer

• Upgrade to timber laundry cabinet with insert tub

• Built in robes with shelving

• All site and covenant application costs included

• 6 star energy rating

• 30 year structural warranty

EXAMPLE O

NLYBuilt in Microwave space with power point

EXAMPLE O

NLYBuilt in Microwave space with power point

A/C in Master Bedroom and living area

EXAMPLE O

NLYA/C in Master Bedroom and living area

Contemporary LED down lights throughout

EXAMPLE O

NLYContemporary LED down lights throughout

Window furnishing to all windows and sliding doors

EXAMPLE O

NLYWindow furnishing to all windows and sliding doors

TV antennae with additional points throughout

EXAMPLE O

NLYTV antennae with additional points throughout

EXAMPLE O

NLY

EXAMPLE O

NLYNBN and additional points throughout

EXAMPLE O

NLYNBN and additional points throughout

Overhead fans

EXAMPLE O

NLYOverhead fans

Full render to all exterior walls

EXAMPLE O

NLY

Full render to all exterior walls

Exposed Aggregate driveway and Porch

EXAMPLE O

NLY

Exposed Aggregate driveway and Porch

EXAMPLE O

NLY

• Fully Tiled Alfresco

EXAMPLE O

NLY

Fully Tiled Alfresco

EXAMPLE O

NLY

• Clothesline, concrete pad and letterbox

EXAMPLE O

NLY

Clothesline, concrete pad and letterbox

EXAMPLE O

NLY

• Colourbond roof and garage door with remotes

EXAMPLE O

NLY

Colourbond roof and garage door with remotes

EXAMPLE O

NLY

• Carpets to bedrooms and Media room

EXAMPLE O

NLY

Carpets to bedrooms and Media room

Deluxe Rent Ready Inclusions

• Timber fencing to all boundary’s with side gate• Timber fencing to all boundary’s with side gate•

• Fully landscaped to front, sides and rear

• Stainless steel European kitchen appliances

• Stainless steel Dishwasher

• Built in Microwave space with power point

• A/C in Master Bedroom and living area• A/C in Master Bedroom and living area•

• Contemporary LED down lights throughout

Brampton $520,000Lot XXX

Estate Name, address and location.

• 4 Bedrooms

• Media Room

• 2 Bathrooms

• Separate Laundry

• Large Tiled Alfresco

• Double lockup garage

• Land size 432m2

• House size 213m2

Rental guarantee of $500 per week for 3 years free from any management fees

This superb upmarket house located in the very popular Brightwater Estate, in the heart of the Sunshine Coast, will benefi t from long term capital growth and high rental demand due to its unique location.

We build your future

hob

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ROBE

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Artistic impression only. Colours and features may be different from fi nal product so please ensure you speak to your sales consultant for clarifi cation.

Call 1800 088 437 or visit:www.dwyerpropertyinvestments.com.au

Investment opportunity

EXAMPLE O

NLY

EXAMPLE O

NLY

EXAMPLE O

NLY

Rental guarantee of

EXAMPLE O

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Rental guarantee of $500 per week for

EXAMPLE O

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$500 per week for 3 years free from any

EXAMPLE O

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3 years free from any management fees

EXAMPLE O

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management fees

This superb upmarket house located in the very popular Brightwater Estate, in

EXAMPLE O

NLYThis superb upmarket house located in the very popular Brightwater Estate, in the heart of the Sunshine Coast, will benefi t from long term capital growth and

EXAMPLE O

NLYthe heart of the Sunshine Coast, will benefi t from long term capital growth and high rental demand due to its unique location.

EXAMPLE O

NLYhigh rental demand due to its unique location.

EXAMPLE O

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EXAMPLE O

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EXAMPLE O

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EXAMPLE O

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The packagesThis is an example as to the types of brochures we produce for all of our house and land packages and our ready built investment stock.

Each brochure shows the facade, floor plan and clearly states the price and the rental guarantee amount. There is also a complete list of inclusions which are similar in many of our homes. These are carefully chosen to maximise rental return and capital growth but also to ensure that investment money is well spent and avoids clients over capitalising or spending extra money on items that are not going to make you money.

Page 13: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

This is a simple fl ow as to how the process takes place. Timings are indicative based on an average but does vary due to client availability but the main cause for any delays is generally down to the lending institution or land availability and registration or settlement of land. We encourage you to allow the Dwyer Property Investments consultant to help manage these to ensure that all the required documentation is in order to proceed to schedule and avoid any delays to construction. Also in some cases step one does not occur as client already has pre approval of fi nance. If this is the case then this can often save 2 weeks.

START UP AGREEMENT An additional $2,000 (Total $3,000) deposit is your commitment to the project. This deposit is used for soil engineering, full working drawings and contract preparation prior to Council application. The $5,000 deposit is deducted from your first instalment of the building contract.

STEP 2

DA

YS7

Day 7

LAND SALE CONTRACT Land Sale Contracts are prepared in your name(s). A $2,000 deposit is payable to the Developer. This deposit is fully refundable under a finance clause. Contracts are signed by both parties and distributed to you Solicitor and Finance Broker.

STEP 3

DA

YS5

Day 12

DWYER QUALITY HOMES CONTRACT ADMINISTRATION You will receive a welcome letter from Dwyer Quality Homes and a folder to keep all your papaerwork in.

STEP 4

DA

YS9

Day 21

CONSTRUCTION CONTRACT The construction contract will contain final plans and full specifications of your inclusions. This should match exactly the details you have seen in the brochure and discussed with your sales consultant. This contract needs to be signed and sent back to the builder.

STEP 5

DA

YS20

Day 41

SIGN CONSTRUCTION CONTRACT Copies of fully executed contracts will be made and then sent to your broker for final approval. An original will be sent to you. The first installment payment is due to be paid at this stage either by the bank or you, depending on your loan structure (minus initial deposit). Plans can only be submitted for council approval after payment of this first installment.

STEP 6

DA

YS2

Day 43

FINANCE, SETTLEMENT AND FINAL PAPERWORK Bank approves loans, settles on the land and all documents are collected by Dwyer Quality Homes and the job is then approved for construction.

STEP 7

DA

YS27

Day 70

INTENTION TO PROCEED This form requires a $1,000 deposit and will take a specific property off the market for 7 days whilst pre approval of finance is obtained. This deposit is totally refundable should you not proceed.

STEP 1

0Day 0

ON COMPLETION • Final payment made by the bank• Guaranteed Rental income commences

BUILDComplete

• Depreciation report for tax benefits requested• House insurance in place

Becoming a Property Investor If you decide to secure your future and know the benefits of an investment property then a Dwyer Property Investments sales consultant will do a financial analysis for you and explain the tax benefits and show you some great investment packages. He can also help you obtain a pre approval of borrowing from the bank and put you in contact with a solicitor if you don’t have one.

So what are the next steps?

Page 14: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Top tips for the property investorLOCATION… LOCATION… LOCATION Try to do as much research as you can on the area you plan to invest in. The most important thing for long term capital growth and strong rental demand is to be near services i.e; public transport, schools, shopping, recreation areas, hospitals etc. The more boxes you can tick the more demand there will be for your property. That ensures you’ll make the most of the rental yield and resale value.

TIMING YOUR PURCHASE Buying at the bottom of the market and selling at the top is obviously the best option. But with current market fluctuations and economic uncertainty how do you know when prices are actually at the bottom? To be fair they don’t need to be rock bottom but just not at their peak. As a general rule of thumb almost every region will have high growth for a while and then move into a levelling out phase. That pattern is pretty well unavoidable. So, if a region has recently gone through a boom time, or is going through it right now, take note! a levelling out period is bound to follow.

DO THE SUMS If you’re honest there is probably one reason why you invest. It’s to make money. But the expression ‘Buy with your head and not your heart’ is very true. Do the sums on rental income, mortgage repayments, tax relief and depreciation. Make sure you understand the figures – and the possible outcomes – and act accordingly.

MORTGAGE OPTIONS AND LMI (LENDERS MORTGAGE INSURANCE) Speak to a mortgage broker about your options and get an understanding about LMI and how it works. For property investors LMI allows you to have higher borrowing ratios, giving you the opportunity to maximise negative gearing benefits. But, if you do have access to a deposit of 20% or more, you won’t need LMI. So which is the better option for you? To put more cash into your investment and avoid the insurance or put down a smaller deposit, take the mandatory insurance and keep some cash for another investment? It is well worth taking professional advice on the best use of your cash.

EQUITY OR CASH Using a line of credit or extracting some cash from an existing property makes good use of your equity because it often gives people who do not have a cash deposit the chance to get into the investment market. But, you should always avoid putting your family home up as security (which, by the way, is called cross collateralising.) Once again, do get proper financial advice on your options.

NEW VS OLD AND RENOVATE New properties have the advantage of being eligible for depreciation tax relief. They are also much more desirable for tenants and require less maintenance. However, don’t discount older properties entirely as long as you are prepared to manage potential pitfalls.

LONG TERM PLAN Very rarely is investing in property a get rich quick scheme. You can’t rely on property prices rising as soon as you’ve bought! In reality the longer you can afford to keep an investment property and build up substantial equity the better.

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Dwyer Property Investments in conjunction with building partner have been building homes and investment properties for over 30 years in SE Qld. This experience, knowledge and expertise is vital when making such an important decision like this.

Contact Dwyer Property Investments now

Page 15: Starter Pack - Dwyer Property Investments€¦ · out if you are in a position to invest wisely. Your fi nancial growth is our guarantee Dwyer Property Investments would like to

Visit www.dwyerpropertyinvestments.com.auor call Dwyer Property investments now on 1800 088437

Don’t wait to invest, invest and wait

Dwyer Property Investments ABN 80 010 839 139

Sunshine Coast offi ceDwyer HouseLevel 1, 256 Nicklin WayKawana Waters, QLD 4575

Postal AddressPO Box 522Buddina, 4575, Qld

We build your future


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