From delivering property investment finance strategies to trusted property partner.

We welcome you to Portfolios. When it comes to property investment and finance you can rely on us as a great source of knowledge, real life wisdom, cutting edge information as well as a sound community base of active property people to help you grow your property portfolio.

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Insurance
With Summer around the corner we start to think about our properties, the wild summer storms and dry heat bringing bush fires – summer is a volatile time for property investors.
But have we considered ourselves in the equation?
What would happen to your loved ones if you were no longer around to pay the bills?
I know it sounds morbid on this fine Spring day but the reality is these things happen, and quite often it is the family that is left holding the financial ball, so to speak.
This is where Portfolios can help.
Portfolios Plus provides the services of insurance professionals through our network of trusted providers.
Personal Insurance
Protecting yourself and your family is a vital part of a successful property investment strategy. If you were to suffer in an accident or be unable to repay your investment loans through disability or death would your family be able to support your portfolio?
What kind of legacy will you leave?
Protecting yourself is one of the greatest gifts you can give to your loved ones if you should be unable to support them.
Portfolios through our insurance providers can offer you one or all of the following insurance products:
• Life Insurance
• Accident Insurance
• Income Protection Insurance
• Temporary Or Permanent Disability
Insuring Your Portfolio
Whilst Portfolios does not provide insurance in this area we recommend you contact your property insurer to discuss a deal with them.
There are other forms, the important thing is to make sure you are covered.
A chat with a trusted Portfolios insurance advisor will ensure you are not in the dark.
Are You Wanting To Know More?
Expressing interest in insurance is simple, contact Portfolios today by downloading and filling out Insurance-signup-form and we will pass your details onto Peter Bentley, our trusted advisor, who will contact you in the coming days to discuss your requirements on behalf of Portfolios.

With Summer around the corner we start to think about our properties, the wild summer storms and dry heat bringing bush fires – summer is a volatile time for property investors.

But have we considered ourselves in the equation?

Headline: 80% of property investors make the same mistake!
Sub Headline: Are you getting the most from your investment property?
80% of property investors are not properly depreciating their investment property asset – missing out on the potential to make thousands more.
Its a simple problem – often over looked.
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Depreciation on an investment property is effectively free money.
Are you missing out on free money?
Bradley Beer from BMT Tax Depreciation says that “If you own an investment property and have not been claiming depreciation, you will be missing out on thousands of dollars. Even if you are claiming depreciation you may not be maximising your claim. Property depreciation will help an investor to increase their cash flow by reducing the tax they pay.”
Asset depreciation is nothing new to a business owner.  If you earn an income from an asset you can depreciate that asset as an expense, albeit a ‘paper’ expense. Expenses of course are tax deductible.
The difference with property investors is that the Australian Tax Office allows property owners to claim this depreciation as a deduction against their taxable income. Depreciation expenses, along with other ‘paper’ property costs can cause a property to make a loss on paper thus allowing Australian tax payers to claim this loss against their pre-tax income.
Sub Headline: What Is Depreciable?
All aspects of a property and the property’s fixtures and fittings are depreciable as all aspects of the property age. If the building was constructer prior to 1985 you can not claim depreciation on the building, only the fixtures and fittings.
Sub Headline: What About Older Properties?
Purchasing an investment property should always be about the deal and your personal outcome not whether it is depreciable or now. However, you should know that all properties are likely to have aspects that are depreciable.
We recommend you get a proper depreciation schedule on an older property before settlement. After all it is part of your due diligence on the property.
Sub Headline: Are You Renovating – What About The Old Fixtures?
Renovating a property – you may be eligible for scrapping benefits.
Scrapping occurs when the items you are removing from a property, to improve that property, still have both a value and future depreciation benefits in them. You write off the potential depreciation benefit as a deduction against the property income. This also applies to the building.
If you are renovating do not throw away fittings and fixtures without understanding their depreciation potential.
Just more proof that a properly through through strategy and finance deal can get you set up to make the most from your property investment journey. Make it happen with Portfolios.

Are you getting the most from your investment property?

Up to 80% of property investors are not properly depreciating their investment property asset – missing out on the potential to make thousands more.

Its a simple problem – often over looked.