Refer a Friend

Building Wealth

We help hard-working South Australians increase their wealth by minimising the amount of weekly income tax they pay through savvy tax reductions, while also giving them a new income stream via rent paid by tenants on their investment properties.

Every investment property strategy is tailored to your exact current financial situation, as well as your investment and financial goals.

Whether you want to build a profitable property portfolio or create wealth in preparation for your retirement, we guide you through every step of the investment process. This includes educating you on every aspect of the investment process, to help you plan the purchase, actually purchasing your brand new investment property, building and tenanting the property, and finally managing the property. This ensures you get the right structure and strategies in place to achieve your goals.

Why can’t I just go to the builder and build an Investment Property by myself?

You certainly can do it yourself, if you wish. You can take the information you learn and go it alone at any time.

However, remember that it can be very time-consuming to ensure your financial structure is set up correctly to maximise your goals. It also takes time to find the right property in an optimal location to maximise your chance of good capital growth and strong rental demand. You also need to ensure you have all the right inclusions for prospective tenants and to take advantage of the maximum tax benefits available.

Our goal is to make your investing journey as seamless and simple as possible for you.

I’m more of a DIY person. Can I just make an appointment for information?

Successful investors recognise that they are the experts in their chosen field of employment. Focus on your skills and manage your weaknesses; seek professional help, allowing experts to manage the day-to-day management of your investment whilst you enjoy time with the family and friends!

Having seen clients DIY in the past, we can honestly say that while investors think they are saving money, most of the time, it ends up costing more, both in time and dollars than working with an expert.

Section

We do not recommend ‘flipping’ property. Property should be seen as a “buy and hold” strategy.

When purchasing an investment property, we recommend that you go into the investment with the view of holding onto the property for 10 years or more.

Is rent money ``dead money”?

In the days when it was cheaper to purchase a property in an area that you wanted to live, rather than to rent a property, the saying “rent money is dead money” rang true.

However, the current property market’s pricing situation means it’s now a lot more affordable to rent in a location that you want to live than to buy. Consequently, renting where you want to live while simultaneously investing in a property elsewhere could be part of an effective overall property investment strategy for you.

This is known as “rent-vesting”, and it’s becoming a more common investment strategy because it grants you the freedom changing living situations when you please without being locked into a mortgage, while also simultaneously positively contributing to your personal wealth.

Uniquely, in some cases, the revenue your investment property generates could also be enough to cover your own personal rent expenses, meaning you could essentially be renting a zero-cost to yourself.

Do established and older properties offer the same benefits as a new property?

Due to changes to tax laws that came into effect after the 2016-17 Federal Budget, the tax benefits available to investors who purchase an established property have been significantly reduced.

In addition to the fewer available tax deductions, older properties also generally require more of your time to manage and maintain. For example, the property itself, landscaping, fittings, and fixtures tend to deteriorate as they become decades old; thus investing in an already old property will accelerate the prospect of spending a considerable sum on repairs, replacements, and maintenance in comparison in investing in a brand new property.

Reducing Tax

If you earn $90,000+ per year, you’re paying around 34% in income tax! Now, imagine if you were able to reduce your income tax to 0%*. Wouldn’t it be nice recouping that money you’ve worked so hard to earn?

With the right investment strategy, you’ll not only earn money from tenants paying rent, but you’ll also essentially be earning money back from the Government, thanks to the available tax deductions.

Tax deductions are the biggest benefit to investing in property, and they can be so large that in some cases, investors can end up paying 0% income tax*, year-after-year!!

It’s for this reason why we tailor every investment strategy to the investor’s specific financial situation, allowing us to maximise their tax deductions.

Do Property Asset Planning consider Land Tax?

Absolutely.

Why would you want to pay any extra costs that you don’t need to?!

In your initial meetings with us, we will discuss your current financial situation, including any investment properties you already own. This will assist us in preparing a suitable strategy to increase your Property Portfolio.

What is Stamp Duty and do I need to pay it?

The purchase of property is generally subject to Stamp Duty, which unfortunately can be a significant cost and must be budgeted for in the transaction.

In South Australia, further information regarding Stamp Duty (along with calculators), can be found at the Revenue SA website – www.revenuesa.sa.gov.au

Property Asset Planning will always advise you of any potential Stamp Duty costs payable upon purchase of the land or land and completed Full Turnkey Investment Property.

How big can the tax benefits of owning an investment property be?

Depending on your financial circumstances, we generally find that the tax benefits of the properties we offer can reduce your tax payable by 25% – 35% per year for the first five years!

What do I need to consider regarding affordability and cash flow?

When buying something such as an investment property, you must be certain that you can afford to buy and hold the investment over the long-term as there are costs and risks involved.

Cash flow is also important so ensure you are ready to take on the extra expense if the need arises.

What is “rent-vesting”?

Rent-vesting is renting where you want to live while investing in a property that is in the best location to aid in growing your wealth, tailored to your personal situation.

Easy Property Investment

We make the investment property journey as seamless and simple as possible by doing all of the heavy lifting for you; we’re a completely turn-key solution!

Our Property Selection Process identifies the best locations to invest in, based on the following qualities, giving you access to the best available individual investment properties:

  • High rental demand from tenants
  • Biggest rental returns for the landlord
  • Leading long-term capital growth

We also create and help you implement a custom-made investment property strategy that is based around your current financial situation and future investment goals.

To close the loop, we work closely with professionals offering property management, conveyancing, accounting, financing and insurance, and financial planning solutions. Our relationship with these like-minded businesses means that your future goals are even closer than you realised!

What does Property Asset Planning look for when determining if an investment property is good to purchase or not?

Each Property Asset Planning Investment Property has been carefully created with our building partners and are not available to the general public.

The due diligence process that we undertake prior to a property being approved for sale is intense. We analyse the geographical location, potential for growth and demand.

As an example, we ensure that properties have convenient access to schools, parks, gardens, public transport and shopping centres; potential tenants rate these highly when tenanting a property.

I want to do something for my future. Where do I start with investing in property?

The best place to start your property investment journey is to book a consultation with one of our Property Consultants.

We’ll help you create a strategy based on your financial situation and your goals. Then we’ll guide you every step of the way through the property investment process to ensure your journey is as seamless and simple as possible.

How much effort does it require to keep an investment property?

As the properties we offer are brand new, little to no maintenance is required in their first five years of ownership.

Following our tried and tested methods, it can be very little effort on your part!

Does Property Asset Planning only offer one type of investment property?

Definitely not!

We tailor each property investment strategy to suit every individual client’s needs.

What might be a great property for one client may not suit another, so we strive to locate the most suitable properties to help all our clients achieve their goals.

Is there a demand for rental properties?

In Australia, it is widely recognised that we are facing a housing crisis with a large proportion of our population homeless.

This does not even take into account our growing population, which is at around 400,000 people per year.

With this level of population growth, it’s estimated that an additional 133,000 homes per year are required (assuming 3 people per household).

Therefore, the demand for properties is high and if you have the financial capacity to purchase an investment, we believe that the real risk for property investors lies in obtaining the education and knowledge of both the property and taxation systems to avoid making costly mistakes.

Self Managed Super Fund (SMSF)

Most Australians don’t realise they can buy an investment property with the money they’ve saved up in their super fund. There are many benefits to investing in a property, including:

  1. It allows investors to take complete control of their superannuation, rather than leaving it to other companies to invest in shares and other investments on your behalf
  2. There are significant tax benefits*
  3. You invest the money earned from rent directly back into your SMSF which better sets you up for retirement
  4. Every time your employer makes their mandatory super contributions to your SMSF, they’re essentially helping to pay for your investment property; and
  5. Your SMSF (in some cases) may qualify to borrow money for an investment property, whereas you otherwise may not be able to

However, investing in property with your SMSF isn’t a strategy suitable for everyone. Such strategies should only be executed under the guidance of an SMSF investment property specialist, such as a Master Financial Planner.

It is important to note that the information provided by Property Asset Planning is general and factual in nature only. We work closely with an independent qualified Master Financial Planner who can provide you with the right advice to follow this investment strategy.

We routinely have access to properties suitable for SMSF investment, should this be the correct strategy for your personal circumstances.

What are the benefits of purchasing an investment property in my SMSF?

If you’re eligible, and it’s the right course of action for your personal circumstances, once you’ve set up your SMSF you’re in charge – you make the investment decisions for the fund and you’re held responsible for complying with the super and tax laws.

In addition to tenants contributing to the cost of your investment property through payable rent, your employer will also contribute by way of the mandatory super contributions! That means you’re employer is actually helping you pay for your investment property!

Finally, under the current superannuation laws, once you’ve retired and start accessing money from your SMSF, there is no tax payable; including capital gains tax!!

How much Super do I need to have to start an SMSF?

Industry experts generally advise a minimum of $200,000 savings in super for an SMSF to be a cost effective option.

Is an SMSF right for me?

Establishing an SMSF and investing in property with your SMSF isn’t a strategy suitable for everyone and their financial situation. Such strategies should only be executed under the guidance of an SMSF specialist, such as a Master Financial Planner.

Can I get a loan inside a SMSF?

Generally speaking, yes.

The Trust Deed of the SMSF needs to allow for borrowing. This is something you will need to discuss with your SMSF Specialist (i.e. Financial Planner).

If I purchase a property in my SMSF, who pays for the loan?

A combination of people end up paying the loans on property purchased in a SMSF.

These may include:

  • Your Employer and/or Your Partner’s Employer
  • Your Tenant
  • You and/or Your Partner
Building Wealth

Building Wealth

We help hard-working South Australians increase their wealth by minimising the amount of weekly income tax they pay through savvy tax reductions, while also giving them a new income stream via rent paid by tenants on their investment properties.

Every investment property strategy is tailored to your exact current financial situation, as well as your investment and financial goals.

Whether you want to build a profitable property portfolio or create wealth in preparation for your retirement, we guide you through every step of the investment process. This includes educating you on every aspect of the investment process, to help you plan the purchase, actually purchasing your brand new investment property, building and tenanting the property, and finally managing the property. This ensures you get the right structure and strategies in place to achieve your goals.

Why can’t I just go to the builder and build an Investment Property by myself?

You certainly can do it yourself, if you wish. You can take the information you learn and go it alone at any time.

However, remember that it can be very time-consuming to ensure your financial structure is set up correctly to maximise your goals. It also takes time to find the right property in an optimal location to maximise your chance of good capital growth and strong rental demand. You also need to ensure you have all the right inclusions for prospective tenants and to take advantage of the maximum tax benefits available.

Our goal is to make your investing journey as seamless and simple as possible for you.

I’m more of a DIY person. Can I just make an appointment for information?

Successful investors recognise that they are the experts in their chosen field of employment. Focus on your skills and manage your weaknesses; seek professional help, allowing experts to manage the day-to-day management of your investment whilst you enjoy time with the family and friends!

Having seen clients DIY in the past, we can honestly say that while investors think they are saving money, most of the time, it ends up costing more, both in time and dollars than working with an expert.

Section

We do not recommend ‘flipping’ property. Property should be seen as a “buy and hold” strategy.

When purchasing an investment property, we recommend that you go into the investment with the view of holding onto the property for 10 years or more.

Is rent money ``dead money”?

In the days when it was cheaper to purchase a property in an area that you wanted to live, rather than to rent a property, the saying “rent money is dead money” rang true.

However, the current property market’s pricing situation means it’s now a lot more affordable to rent in a location that you want to live than to buy. Consequently, renting where you want to live while simultaneously investing in a property elsewhere could be part of an effective overall property investment strategy for you.

This is known as “rent-vesting”, and it’s becoming a more common investment strategy because it grants you the freedom changing living situations when you please without being locked into a mortgage, while also simultaneously positively contributing to your personal wealth.

Uniquely, in some cases, the revenue your investment property generates could also be enough to cover your own personal rent expenses, meaning you could essentially be renting a zero-cost to yourself.

Do established and older properties offer the same benefits as a new property?

Due to changes to tax laws that came into effect after the 2016-17 Federal Budget, the tax benefits available to investors who purchase an established property have been significantly reduced.

In addition to the fewer available tax deductions, older properties also generally require more of your time to manage and maintain. For example, the property itself, landscaping, fittings, and fixtures tend to deteriorate as they become decades old; thus investing in an already old property will accelerate the prospect of spending a considerable sum on repairs, replacements, and maintenance in comparison in investing in a brand new property.

Reducing Tax

Reducing Tax

If you earn $90,000+ per year, you’re paying around 34% in income tax! Now, imagine if you were able to reduce your income tax to 0%*. Wouldn’t it be nice recouping that money you’ve worked so hard to earn?

With the right investment strategy, you’ll not only earn money from tenants paying rent, but you’ll also essentially be earning money back from the Government, thanks to the available tax deductions.

Tax deductions are the biggest benefit to investing in property, and they can be so large that in some cases, investors can end up paying 0% income tax*, year-after-year!!

It’s for this reason why we tailor every investment strategy to the investor’s specific financial situation, allowing us to maximise their tax deductions.

Do Property Asset Planning consider Land Tax?

Absolutely.

Why would you want to pay any extra costs that you don’t need to?!

In your initial meetings with us, we will discuss your current financial situation, including any investment properties you already own. This will assist us in preparing a suitable strategy to increase your Property Portfolio.

What is Stamp Duty and do I need to pay it?

The purchase of property is generally subject to Stamp Duty, which unfortunately can be a significant cost and must be budgeted for in the transaction.

In South Australia, further information regarding Stamp Duty (along with calculators), can be found at the Revenue SA website – www.revenuesa.sa.gov.au

Property Asset Planning will always advise you of any potential Stamp Duty costs payable upon purchase of the land or land and completed Full Turnkey Investment Property.

How big can the tax benefits of owning an investment property be?

Depending on your financial circumstances, we generally find that the tax benefits of the properties we offer can reduce your tax payable by 25% – 35% per year for the first five years!

What do I need to consider regarding affordability and cash flow?

When buying something such as an investment property, you must be certain that you can afford to buy and hold the investment over the long-term as there are costs and risks involved.

Cash flow is also important so ensure you are ready to take on the extra expense if the need arises.

What is “rent-vesting”?

Rent-vesting is renting where you want to live while investing in a property that is in the best location to aid in growing your wealth, tailored to your personal situation.

Easy Property Investment

Easy Property Investment

We make the investment property journey as seamless and simple as possible by doing all of the heavy lifting for you; we’re a completely turn-key solution!

Our Property Selection Process identifies the best locations to invest in, based on the following qualities, giving you access to the best available individual investment properties:

  • High rental demand from tenants
  • Biggest rental returns for the landlord
  • Leading long-term capital growth

We also create and help you implement a custom-made investment property strategy that is based around your current financial situation and future investment goals.

To close the loop, we work closely with professionals offering property management, conveyancing, accounting, financing and insurance, and financial planning solutions. Our relationship with these like-minded businesses means that your future goals are even closer than you realised!

What does Property Asset Planning look for when determining if an investment property is good to purchase or not?

Each Property Asset Planning Investment Property has been carefully created with our building partners and are not available to the general public.

The due diligence process that we undertake prior to a property being approved for sale is intense. We analyse the geographical location, potential for growth and demand.

As an example, we ensure that properties have convenient access to schools, parks, gardens, public transport and shopping centres; potential tenants rate these highly when tenanting a property.

I want to do something for my future. Where do I start with investing in property?

The best place to start your property investment journey is to book a consultation with one of our Property Consultants.

We’ll help you create a strategy based on your financial situation and your goals. Then we’ll guide you every step of the way through the property investment process to ensure your journey is as seamless and simple as possible.

How much effort does it require to keep an investment property?

As the properties we offer are brand new, little to no maintenance is required in their first five years of ownership.

Following our tried and tested methods, it can be very little effort on your part!

Does Property Asset Planning only offer one type of investment property?

Definitely not!

We tailor each property investment strategy to suit every individual client’s needs.

What might be a great property for one client may not suit another, so we strive to locate the most suitable properties to help all our clients achieve their goals.

Is there a demand for rental properties?

In Australia, it is widely recognised that we are facing a housing crisis with a large proportion of our population homeless.

This does not even take into account our growing population, which is at around 400,000 people per year.

With this level of population growth, it’s estimated that an additional 133,000 homes per year are required (assuming 3 people per household).

Therefore, the demand for properties is high and if you have the financial capacity to purchase an investment, we believe that the real risk for property investors lies in obtaining the education and knowledge of both the property and taxation systems to avoid making costly mistakes.

Self Managed Super Fund (SMSF)

Self Managed Super Fund (SMSF)

Most Australians don’t realise they can buy an investment property with the money they’ve saved up in their super fund. There are many benefits to investing in a property, including:

  1. It allows investors to take complete control of their superannuation, rather than leaving it to other companies to invest in shares and other investments on your behalf
  2. There are significant tax benefits*
  3. You invest the money earned from rent directly back into your SMSF which better sets you up for retirement
  4. Every time your employer makes their mandatory super contributions to your SMSF, they’re essentially helping to pay for your investment property; and
  5. Your SMSF (in some cases) may qualify to borrow money for an investment property, whereas you otherwise may not be able to

However, investing in property with your SMSF isn’t a strategy suitable for everyone. Such strategies should only be executed under the guidance of an SMSF investment property specialist, such as a Master Financial Planner.

It is important to note that the information provided by Property Asset Planning is general and factual in nature only. We work closely with an independent qualified Master Financial Planner who can provide you with the right advice to follow this investment strategy.

We routinely have access to properties suitable for SMSF investment, should this be the correct strategy for your personal circumstances.

What are the benefits of purchasing an investment property in my SMSF?

If you’re eligible, and it’s the right course of action for your personal circumstances, once you’ve set up your SMSF you’re in charge – you make the investment decisions for the fund and you’re held responsible for complying with the super and tax laws.

In addition to tenants contributing to the cost of your investment property through payable rent, your employer will also contribute by way of the mandatory super contributions! That means you’re employer is actually helping you pay for your investment property!

Finally, under the current superannuation laws, once you’ve retired and start accessing money from your SMSF, there is no tax payable; including capital gains tax!!

How much Super do I need to have to start an SMSF?

Industry experts generally advise a minimum of $200,000 savings in super for an SMSF to be a cost effective option.

Is an SMSF right for me?

Establishing an SMSF and investing in property with your SMSF isn’t a strategy suitable for everyone and their financial situation. Such strategies should only be executed under the guidance of an SMSF specialist, such as a Master Financial Planner.

Can I get a loan inside a SMSF?

Generally speaking, yes.

The Trust Deed of the SMSF needs to allow for borrowing. This is something you will need to discuss with your SMSF Specialist (i.e. Financial Planner).

If I purchase a property in my SMSF, who pays for the loan?

A combination of people end up paying the loans on property purchased in a SMSF.

These may include:

  • Your Employer and/or Your Partner’s Employer
  • Your Tenant
  • You and/or Your Partner

Get in touch with us about your project today

Phone: (08) 8338 7206

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Find out more about Investing in Property

If you have considered investing in property, our educational 1 hour Financial Freedom Information Evening (when available) or a meeting with a Property Strategist is invaluable.

We educate people interested in protecting and growing their wealth via smart property investments so they can take control of their future and make their own decisions.

Obtain knowledge and make an informed decision... Book a 1:1 presentation to find out more!

The information provided is purely to educate you on the in's and out's of property investment. It will help you make an informed decision on whether investing in property is right for you.