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Could you benefit from higher cash flow now?
What could you do with extra cash each fortnight?
Save on interest costs by paying a current mortgage off faster? Save more quickly for the next investment property deposit? Go on a holiday? There are so many possibilities…
Why not consider a Pay As You Go (PAYG) variation?
Often overlooked by investors, the PAYG system is a great way to increase fortnightly cash flow throughout the year. The PAYG method of tax collection was introduced in July 2000 to replace previous versions of the same system, such as pay as you earn (PAYE). The system gives the option of claiming back tax regularly, rather than in one lump sum at the end of the financial year. A PAYG variation means that the property owner’s employer will reduce the amount of tax withheld to reflect set deductions like depreciation on a rental property. In essence it is a way of decreasing the amount of tax paid by the investor each pay period.
It is important to note that submitting the PAYG variation does not replace a normal tax return. A tax return still needs to be filed at the end of the year to calculate the actual amount of tax liability. Your PAYG instalments for the year are credited against your assessment.
A Quantity Surveyor can provide all current and future depreciation values for investment properties in a detailed tax depreciation report. Obtaining the report immediately after the purchase of a property will allow the maximum return from a PAYG variation, as the precise figures will make the instalments accurate.
The flexibility provided to the Investor through a PAYG variation, combined with depreciation deductions identified by a Quantity Surveyor, can be of great help in managing the fortnightly cash flow of an investment property.
Let’s consider a hypothetical situation:
A typical $400,000 investment property would show an average annual loss (or deduction) of $35,000 and an average income of $20,000 for the first 5 years. The deductions include costs such as interest on a $350,000 mortgage, management fees, maintenance and property depreciation. The total loss (income minus expenses) will result in a deduction for the owner of $15,000. In the 37% tax bracket the $15,000 deduction could generate a tax return (or credit) of $5,550. Under a PAYG variation, the investment property owner can adjust their fortnightly pay to anticipate this return, adding $213 to their pay packet each fortnight.
BMT Tax Depreciation are specialists at maximising tax deductions for investment properties. Talk to an accountant about a PAYG variation to increase fortnightly cash flow.
Article Provided by BMT Tax Depreciation.
Bradley Beer (B. Con. Mgt, AAIQS, MRICS) is a Director of BMT Tax Depreciation.  Please contact 1300 728 726 or visit www.bmtqs.com.au for an Australia wide service

What could you do with extra cash each fortnight?

Save on interest costs by paying a current mortgage off faster? Save more quickly for the next investment property deposit? Go on a holiday? There are so many possibilities…

I’ve been saying it for six months now – and more and more experts are recognising growth hotspots in the Hunter Valley in NSW.
Portfolios has investment properties for sale in the Hunter Valley, and given the increased press on this area we think now is a good time to invest in this burgeoning region.
And here’s why…
In a recent article by “Your Investment Property Australia” the NSW feature in the journal had a glowing report on the current and future prospect for the Hunter Valley.
Australian Property Monitor’s Andrew Wilson says the Hunter Valley is one regional centre that is already charging ahead because of a sustained growth in demand for property due to the influx of workers in support of the booming coal mining industry.
In fact many areas of the Hunter have far outpaced Sydney over the past year, with a healthy proportion posting double-digit growth especially in the Upper Hunter where much of the new mining activity is located.
And we have also discussed in the past the hotspots within the Hunter, and the flow on effects to the region as a whole. In the article Simon Deeming from Hunter Valley Research Foundation backs this point up.
With unemployment at just 4% and a tight rental market rivalling that of Sydney, Deeming points to the huge amount of investment in mining and says that flows through to the rest of the local economy.
“The new mines are further and further up the valley, so that is really benefiting the Upper Hunter, but the infrastructure components run all over the place.” Projects such as the Hunter Valley Expressway and the ports expansion are developments that will spur growth in the Hunter for years to come.
A Close Alternative To Sydney
Another aspect of the Hunter boom is being fed from Sydney. In the article Deeming says he believes the Hunter region is already benefiting from a flow-on effect from its southern neighbour. “The softer side of the economy is exposed in Western Sydney and if you can get a job up here [in mining] rather than building houses which isn’t happening too much right now in the Western Sydney fringe, you can get paid a whole lot of money up here with a better lifestyle.”
Median home prices across the Hunter region average around $400,000, about $100,000 less that most Western Sydney suburbs.
Not Alone On The Hunter
John Anderson, senior economist at forecasting firm Macroplan, calls the Hunter the breakout area in NSW expecting price rises of 7–8%. Terry Ryder, another popular property forecaster, highlighted Newcastle as “Australia’s most under- rated market.”
This is also backed up by the API which we reported in previous articles.
The up shot is this article shows the Hunter is booming and will likely continue to do so. It is a diverse economy, well serviced and a great place to live.
Talk to Portfolios about the Hunter Valley and how you can purchase in this great market today.

I’ve been saying it for six months now – and more and more experts are recognising growth hotspots in the Hunter Valley in NSW.

Portfolios has investment properties for sale in the Hunter Valley, and given the increased press on this area we think now is a good time to invest in this burgeoning region.

And here’s why…

In this article Paul makes a prediction on how he thinks interest rates will move in 2012. Worth checking out.

Cash Flow Positive and Good Capital Growth – Its Possible In 2012 But You Must Hurry!
Is cash flow positive property and good capital growth still possible in the Australian Property market? In short we believe so – and the secret is Muswellbrook in the Hunter Valley.
The best news is Portfolios has premium property available right now for you.
Australian Property Investor magazine has just revealed Australia‟s top 100 suburbs that achieved the fastest growing rental rates in 2010.
Muswellbrook was identified as a top 50 location for rental growth for both houses and units, measured by changes in median advertised rents based on data from Australian Property Monitors. In 2010 the area achieved rental growth of 18.5 per cent and 11.5 per cent price growth. The region is expected to grow another 18% by 2014.
According to local agents rental growth is very strong combined with solid capital growth. These two factors in addition to the mining and railway expansion activities are all contributing to the thriving property market
in Muswellbrook. There are plenty of jobs being created and people need somewhere to live.
And Muswellbrook has it all – originally established as a pastural settlement, Muswellbrook is not your typical mining town – its growth recently is on the back of the mining boom but the town has an established rural feel that will welcome any new workers.
Three and four bedroom homes are in strong demand and Portfolios has a suite of homes available for purchase off the plan that will be ready for occupancy by the middle of 2012 – ensuring you get to take advantage of the current rental and capital market. All properties will be finished to the highest standards and will be turnkey.
At a time when many markets around the country are running flat, the town of Muswellbrook NSW has emerged as
having all the right ingredients. Muswellbrook’s strong economic activity is driven by its expanding coal mining and power generation industry. The NSW government has formally approved the construction of the $2 billion Baywater B Power Station.
Also, the $1.1 billion Mangola coal mine is currently under construction which will create 400 jobs and
700 indirect jobs in Muswellbrook. The town’s diverse economy also includes wine-making, horse-breeding, dairying
and agriculture.
With strong rental growth and solid capital growth, the Hunter Valley town of Muswellbrook is standing
out to be one of the best boom town hot spots in Australia.
I would like to invite you to get in touch with the team at Portfolios so we can discuss your strategy and show you this great opportunity in Muswellbrook.
Dont delay… these properties will sell fast.
Source – Australian Property Monitors
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Cash Flow Positive and Good Capital Growth…

… and yes for property investors in 2012, but you must hurry!

Is cash flow positive property and good capital growth still possible in the Australian Property market?

The Hunter Valley property investment market in NSW is booming and Portfolios has cash positive property for sale in this hotspot.