Welcome to insynergy Property Wealth Advisory

Transcription

1 Welcome

2 Welcome to insynergy Property Wealth Advisory insynergy are experts in residential property investment. Our experienced team have been offering premium property investment advice and education to Australian property investors for more than a decade. We re passionate about helping our clients safely build a successful property portfolio and to achieve their financial goals without sacrificing their lifestyle. A full-service property investment advisory insynergy provides a broad range of professional services designed to assist you with all aspects of property investment. We re not about selling risky off-the-plan property; instead we focus on giving investors the knowledge, tools and strategy to make informed decisions about their investment choices.

3 Services Property investment education workshop PAGE 2 > Education is the key to knowledge and smart investment decisions. Our one-on-one property investment education workshop is a powerful knowledge based session, designed to deliver investors a sound understanding of the fundamentals of property investment. The workshop content can be tailored for first time investors through to the highly experienced. Property investment strategy and implementation PAGE 4 > Critical to a successful property investment strategy is seeking professional advice from an experienced and reputable advisor who will show you how to best use your borrowing capacity and savings. Our team can help you decide how soon you could be able to invest in property, how much deposit you will need or should use and how best to structure your finance. We ve also developed comprehensive modelling tools to show you what your portfolio might look like with different growth rates in the future and what that might mean for your potential retirement position. Sourcing high growth property PAGE 6 > insynergy is an accredited investment property buyer s agent. We review and analyse data from the most recognised and respected Australian research providers including BIS Oxford Economics, Hotspotting, Residex and ANZ Economics to identify cities and regions that demonstrate all the signs for strong growth and return on investment. Working closely with our property alliance partners, we help our clients source investment properties in high growth areas that achieve high rental yields based on sound research. Specialised mortgage broking PAGE 8 > insynergy offers specialised mortgage broking and finance services that help our clients to safely build significant wealth. Our advanced lending strategies, including finance and ownership structures, land and income tax minimisation, borrowing capacity optimisation and valuation maximisation enable the creation of substantial and tangible wealth far beyond what any one lender or standard mortgage broker can offer. Ongoing coaching & mentoring PAGE 9 > The insynergy Mentoring Service is a pro-active property portfolio management and mentoring package designed to help you get the most out of your property investments and continue to grow your wealth for years to come. PAGE 1

4 Property investment education workshop A powerful, education based half-day workshop designed to deliver investors a sound understanding of the fundamentals of property investment. OVERVIEW The one-on-one property investment education workshop will teach you how to safely build a highperformance property portfolio and plan for future retirement. This workshop is specific to property investment and does not include advice about any other financial products such as managed funds or superannuation managed funds (other than property in Super). We appreciate that everyone will come to the workshop with a different level of understanding, so the content is adjusted to ensure the appropriate level of detail is covered. The workshop content can be tailored for first time investors through to the highly experienced and runs for 4-6 hours. PAGE 2

5 Property investment education workshop Key learning outcomes 1. Overview of the property market, including historical growth rates, rental returns, vacancy and interest rates for all the major Australian property markets, plus conservative forecasts from the best property economists in Australia; 2. Detailed, yet simple and clear explanation about investment property cash flow, including how a $500,000 investment property will usually cost less than $50 per week, even when interest rates are at 7%, and what to do if they increase; 3. Why an interest-only loan is so much more powerful than principal and interest loans, and how to use them to best effect; 4. How to most effectively structure finance and what the main differences between lenders are for property investors - differences that can be significantly more valuable to you than variations in interest rates; 5. How to effectively and safely use equity to buy successive properties; 6. What value properties produce the best return on investment and why; 7. Why and how to use research to source high growth property for the short, medium and long term; What s included? Fees A pre-assessment of your financial situation, property values, equity and borrowing capacity across the best property investment lenders; Recommendation of strategies to optimise your current finance and property portfolio including debt structure that will improve cash flow, minimise interest and mortgage insurance, improve borrowing capacity, reduce tax and reduce risk; Sample cash flow analysis for potential investment property acquisition; A copy of all notes, sketches and models produced during the workshop. Weekdays: $1,500 + GST Weekends: $1,800 + GST Workshop fee is charged 50% upfront and 50% upon completion. Fees are generally tax deductible.* Includes a maximum of two people in attendance at the workshop (usually yourself and your partner). *Please consult your accountant to ensure this applies to your individual situation 8. Identification of investment property risks and how best to manage them; 9. How to minimise income tax and avoid land tax; 10. Introduction to our comprehensive modelling tool (our Property Wealth Planner) that maps your current and future portfolio against various future growth and interest rates and helps you create your property wealth and future retirement plan. PAGE 3

6 Property investment strategy and implementation A comprehensive 2-5 year property investment plan tailored individually to each investor s unique circumstances and financial goals. OVERVIEW This plan puts in place the immediate actions identified in the property investment workshop and may include restructuring of existing debt to free up equity and optimise your cash flow and, if appropriate, the acquisition of investment property. In addition to the property investment plan, we also create a longer term comprehensive strategy using our unique Property Wealth Planner that maps your current and future portfolio against market variables right through to retirement. insynergy will then work with you to implement the plan including our bespoke investor finance broking services. We help you source high-growth investment property that meets our strict, risk adjusted criteria and liaise with your other advisors such as accountants, financial planners and lawyers to ensure the strategy and plan considers and integrates their advice. PAGE 4

7 Property investment strategy and implementation What s included? Planning stage Optimised lending and banking structure, including: Best use of offset account/s, credit card/s, lines of credit, fixed and variable rate loans; Lending structure to support optimised ownership structure, while minimising interest cost and maximising tax benefits; Optimised use of leverage, borrowing capacity and buffer/reserve funds, while avoiding or Minimising mortgage insurance to achieve the appropriate risk managed return on investment. Recommendation of ideal purchase price range to support diversification and return on investment; Optimised use of leverage, borrowing capacity and buffer/reserve funds; Before and after tax cash flow analysis including sensitivity analysis to variables and risks such as higher interest rates; Advice on appropriate use of tax variation/s; Implementation Stage Fees 5 hours of face to face meetings; 15 hours of telephone and support to guide you through each phase of the plan step by step; Recommendations and liaison with pre-qualified property service providers such as quantity (depreciation) surveyors, building inspectors and property managers; Liaison with your other advisors such as accountants, financial planners and lawyers to ensure plan integration and implementation. From $5,000 + GST which is generally tax deductible.* Fee is charged 50% upon engagement and 50% upon completion (usually around the time your first investment property settles). *Please consult your accountant to ensure this applies to your individual situation Property portfolio plan live worksheet showing acquisition path under different growth projections and core variables, from plan commencement to post retirement; Property risk assessment and management plan; Liaison with your other advisors such as accountants, financial planners and lawyers to ensure strategy and plan considers and integrates their advice. PAGE 5

8 Sourcing high growth investment property insynergy investment property acquisition services are completely research focused, using a comprehensive risk adjusted return on investment portfolio approach. OVERVIEW As a licensed investment property buyer s agent, insynergy is an accredited investment property buyer s agent. We review and analyse data from the most recognised and respected Australian research providers including BIS Oxford Economics, Hotspotting, Residex and ANZ Economics to identify cities and regions that demonstrate all the signs for strong growth and return on investment. Working closely with our property alliance partners, we help our clients acquire investment properties in high growth areas that achieve high rental yields based on this Independent research. insynergy investment property acquisition services are completely research focused, using a comprehensive risk adjusted return on investment portfolio approach. Our approach Research based: We use the best independent research we can acquire from companies like BIS Shrapnel that have highly experienced masters and doctorate qualified economists to help maximise your chances of not only long, but especially short and medium term growth to help build a highperformance portfolio quicker. Risk adjusted: We give you our absolute commitment that we will never recommend high-risk types of property, such as long term off-the-plan property, without making you clearly aware of the risks and full consideration of your risk profile. Return on investment portfolio approach: Our property recommendations are made in line with your property investment strategy. We help maximise return on investment and diversification in a future focused and balanced portfolio growth approach, designed to take advantage of growth markets while avoiding or minimising state based land taxes. PAGE 6

9 Sourcing high growth investment property Fees Our investment property acquisition services are available via two fee structures: 1. A free to you commission structure: This service is basically an investment property brokerage service where the vendor, developer or project marketing company pays us. We are essentially being paid as (or replacing) the real estate agent. Technically, in a compliance sense, we are acting for the vendor, selling a pre-selected investment property product to you, while still using all the principles outlined above. This product is usually limited to new property where commission is available to be paid. There are literally hundreds of developers vying for us to sell their product, however we only recommend around 1-3% of the property that passes our strict preselection process. 2. Comprehensive fee for service buyers agent service: This is a completely comprehensive, independent service where we are wholly paid by you to exclusively represent you. As you pay us, we are not limited to assessing and sourcing only new property that has commission available. We are then free to source from every property on the market, Australia-wide. If we source a property where commission is payable, 100% of that commission is paid to you. In most cases, this commission will cover the full fee, and often leave surplus funds for your own use. The fees for this service range from 2-4% of the purchase price (2% for established/ complete property, 3% for off-the-plan (though rarely recommended) and 4% for house and land packages). This higher rate for house and land is due to the high amount of project and contract management and assessment required, however the cost is often completely rebated by commission payable, so there is rarely a net cost to you. Note: Fees are generally tax deductible* *Please consult your accountant to ensure this applies to your individual situation PAGE 7

10 Specialised investment finance broking insynergy offers specialised mortgage broking and finance services that help our clients safely build significant wealth. Successful investors treat debt as a tool to build wealth rather than seeing it as a burden. This is an important mindset when creating your finance strategy. Our advanced lending strategies, including finance and ownership structures, land and income tax minimisation, borrowing capacity optimisation and valuation maximisation enable the creation of substantial and tangible wealth far over and above any one lender or standard mortgage broker. Using Advanced Equity Strategies to grow your wealth If you have more than 25% equity (this is, the difference between the value of your home and how much you owe on it), it s considered lazy equity and could be costing you as much as $50,000 a year in lost opportunity. Property valuations are another area that can make or break an investment strategy. Unfortunately, valuations between lenders commonly vary by 5% and in some cases, up to an astonishing 25%. This is especially true if it s for a property being revalued to access equity. Putting that in perspective, for a $1 million property, it translates to a difference of $50,000 to $250,000, all because of contrasting opinions between a conservative valuer and a more confident one. We work with our clients to teach them methods to legitimately get an appraisal that reflects a property s true potential something that can significantly increase your returns. Other strategies we use include: How to secure your loans separately and why this nearly always helps you make hundreds of thousands of dollars more over the medium to long term; How to structure the ownership and borrowing to increase borrowing capacity, while reducing risk, income and land tax (this alone can save around $200,000 plus over 20 years in cash flow), which in turn can help you hold more property more safety and significantly increase returns; Which lenders will allow you to make the most of this equity and how to effectively split your structure and strategy between these lenders. Industry Accredited insynergy are full members of the MFAA (Mortgage and Finance Association of Australia). The MFAA is Australia s peak industry body for the mortgage and finance industry. Its members work hard to provide the best possible service and ethical standards. Full details of our fees, charges and commissions for helping you obtain a loan or other credit product and how we meet our responsible lending obligations to provide credit suitable for you can be found in the insynergy Credit Guide. PAGE 8

11 Ongoing mentoring & wealth creation Following on from the implementation of your initial property investment plan, you can continue to work with our team to build your portfolio and grow your wealth for years to come. Our ongoing coaching and wealth creation service is a pro-active property portfolio management and coaching package designed to help you make the most of your property investments and ensure the longer-term strategy comes to fruition through constant monitoring and assessment. What s included? Annual face to face portfolio review with your highly experienced property investment adviser including; Assessment of your equity and borrowing capacity; RP Data valuation reports (1 per property); Assessment of your property rental returns and advice on how to increase them; Advice on how, when and where to invest next, to optimise returns, manage risk and minimise income and land tax. How much does it cost? The program is available to existing insynergy clients who have completed our workshop, strategy implementation and property acquisition process, for just $20 + GST per property per week. This fee will be set up as a monthly direct debit so it s easy to administer and claim as a tax deduction.* Included in the fee is an initial 1 hour face to face getting started session with our accredited bookkeeper who will show you how to load your details into the personal wealth portal and get the most out of the system. *Please consult your accountant to ensure this applies to your individual situation. Unlimited phone and support; Full access to insynergy wealth management portal a powerful reporting dashboard providing real-time feeds to your current financial position; Monthly market updates; Bi-annual wealth report; Access to all our economic research and analysis; Ongoing maintenance and management of your property wealth planner, used to manage and analyse your property portfolio. PAGE 9

12 insynergy Property Wealth Advisory Mezzanine, Suite 3, 22 Darley Road Manly NSW 2095 Australia facebook.com/insynergy linkedin.com/company/insynergy-property-wealth-solutions insynergy Financial Solutions All rights reserved The concept (treatment) and information contained in this document is proprietary and no use can be made of it without the written consent of insynergy Financial Solutions (trading as insynergy Property Wealth Advisory). It should be noted that the information and advice we provide is specific to property investment and mortgage finance and does not incorporate all your financial needs and considerations. For your other needs, we recommend you consult a licensed financial planner. If you would like us to recommend a financial planner that is skilled and experienced at building a financial plan supportive of direct property investment, please let us know.