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With Portfolios - Property... Make it Happen

Headline> Are You Paying Too Much Tax?
Welcome to the end of the 09/10 Financial Year.
Paying tax is something we all need to do but none of us like to do.
Next tax time you could be adopting legitimate tax minimisation strategies reducing your tax burden whilst building a strong investment property portfolio.
Find out how…
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Before reading this article you should always seek proper, independent financial advice before making any investment decision.
With tax time looming we will all be doing our tax returns and probably realising one thing – we are paying too much tax.
Tax is not a bad thing – someone has to pay for our roads, schools and other infrastructure, but there are legitimate ways to reduce your tax by using the money for something more worthwhile like building an investment property portfolio.
We get questions all the time – how can you own a property for under $30 per week? Why so little?
Well one strategy is Negative Gearing.
<sub head> What Is Negative Gearing?
Negative gearing strategy in Australia is motivated by our tax regime, which allows deduction of ongoing losses against taxed income. This is further offset by taxing capital gains at a lower rate.
This might sound complicated but in reality it isnt.
<Sub Head> How It Works!
You purchase a property and incur costs on that property – these costs include third party expenses, loan interest and set up costs.
If the costs on the property are greater than the (rental) income generated you will technically be incurring a loss on that investment.
But the story continues…
<sub head> You Earn An Income? This Is How It works
In Australia the losses made on property are able to be weighted against your taxable income.
You will need to have a clear picture of your costs versus income to know your losses – costs include depreciation, setup costs, mortgage costs and interest, ongoing maintenance and property costs such as rates. Just like your personal income – you can claim anything that contributes to the generation of income in your property.
All Portfolios properties come to you with a clear understanding of the costs involved so you make an educated decision on the potential for negative gearing of the property before purchasing.
Your capacity to cover the loss is an important factor in determining the right deal.
<sub head> So If It Is  A Loss Why Do It?
There are a number of reasons why people consider negative gearing as an option for their property investment strategy from straight tax minimisaton through to the great investment returns to be made on the property.
Many of the Portfolios properties are expected to return in excess of 250% return on investment giving you some of the best returns in any market.
Property is a great investment, but like any investment there is risk and you should seek proper independent financial advice.
Talk to Portfolios and see how we can help you make those steps to a future in property investment.

Welcome to the end of the 09/10 Financial Year.

Paying tax is something we all need to do but none of us like to do.

Next tax time you could be adopting legitimate tax minimisation strategies reducing your tax burden whilst building a strong investment property portfolio.

Find out how…

<Headline> Remember Investment Property Being This Cheap?
<Sub Head> You can have it all from $7 per week in Kingaroy
Kingaroy is still offering a great entry into the property investment market with the potential for fantastic returns both in rental and capital gains.
Find out how to purchase an investment property for under $280,000, costing you from $7 per week depending on your financial situation.
Kingaroy is a busy, and popular little town located in the northern Darling Downs positioned as a regional centre with a strong and diverse economy.
The town is located approximately two hours North West of Brisbane and just 90 minutes from the burgeoning Sunshine Coast.
Over the past ten years the region has had an average capital growth in excess of 12%  with forecast growth of 8% being predicted over the next ten. Like all areas of the Darling Downs there is a predicted strong growth over the coming years as new industry moves into the region including coal mining, wind-farming and a 400 MW power station, alone in the immediate proximity.
With rentals fetching $260 per week this property might cost you as little as $7 per week, depending on your tax situation.
Portfolios is offering turn key investment properties in this region including 3 bedrooms, 2 bathrooms, double lock up garage and air conditioning.
You can purchase a property in Kingaroy through Portfolios for as little as $260,000  for a brand new 3 bedroom home on a large block.
For more information have a look at the properties at www.portfoliosproperty.com.au or follow the link directly to the property.

You can have it all from $7 per week in Kingaroy

July Property Of The Month, Kingaroy, is still offering a great entry into the property investment market with the potential for fantastic returns both in rental and capital gains.

Property Of The Month – Chinchilla

A Never to be repeated bargain! Contract has crashed, and YOU are the winner!!

One Only House/Land package in town of Chinchilla for just $375K with Ducted Aircon.

Call Keiran at Portfolios Property for details on 0447 255550

$1000 *refundable EOI, will secure this for you TODAY! This wont last!!

Find out more about this deal…

Your Own Investment Property From $32 per Week
What if you could own your own investment property from just $32 per week? You could be realising return on invesmtent in excess of 700%
Portfolios investment property of the month is Chinchilla.
Chinchilla, located in the Surat basin Region is undergoing a massive build up of workers and their families, with a strong capital growth over the last 3 years and with the newly signed LNG deal with China this is a place to buy.
Chinchilla is located about 200km west of Brisbane with ever increasing job opportunities. Tightening rental availability has driven up rents sharply and will continue to do so.
The region has hospitals, schools and many amenities of normally much larger towns. Over $10 Billion being spent on Coal mines, a gas pipe line, rail links, gas exploration and waste water purification projects.
The government is also investing in rail in the Darling Downs, linking this region and its rich, diverse production with export ports such Gladstone.
According to investment sources the region around Chinchilla enjoys a 98% employment rate and a rental vacancy rate around 1%.
If you earn over $80,000 per anum we’d love to talk to you about this deal. We have turn key, brand new, four bedroom homes ready to be tenanted today.
If you earn under $80,000 then you might find this deal to be worth while with low property price entry, expected capital gains and expected rental hikes in the coming 12-24 months.
Chinchilla presents a great opportunity. You can view this and other properties in this region at www.portfoliosproperty.com.au or just go to Featured Properties.

What if you could own your own investment property from just $32 per week? *

You could be realising return on invesmtent in excess of 700%.

Understand Your Strategy, Then Check Your Loan Exit Costs
With the average loan for an investment property being refinanced every three years it is little wonder the banks have introduced fees to make you think twice about moving away from them.
Loan exit fees have become common place in the mortgage market. Today very few banks provide loans without them. But it hasn’t always been the case.
Lenders exit fees serve to discourage people from refinancing to other banks – or even with the same bank. They are designed to keep customers as long as the bank can.
The challenge for banks is that most home loans do not make as much profitability in the first few years as they do in the ensuing years. Banks need to recoup profit if the customer chooses to exit early.
Fees can range from $400, an average of major lenders around the $750-$1000 mark with non-bank lenders charging a percentage to exit of around up to 2.5%.
Whilst we dont necessarily agree with these exit fees it is something we have work with developing your strategy.
What you need to understand is your strategy affects the loan options and it is far more than just the interest rate.
At Portfolios we understand all consideration of your deal and the associated loan/s which is why we aim to offer up to three loan options into your strategy each with its own profile and considerations. Make sure you take the time to review and discuss.
For example if you are purchasing to renovate and sell  quickly  then we will offer up to 3 loans that typically would have  lower exit fees for great profitability in your deal.
However if your strategy is to buy and hold the property then the early exit fees are not so much of a consideration.
Portfolios will work with you to develop the right strategy that includes Structure, Strategy, the Property and Finance.
If you wish to look at your options and get started complete our FREE Portfolio Review and we will be in contact with you shortly.
Portfolios looks forward to working with you to …Make it Happen.

With the average loan for an investment property being refinanced every three years it is little wonder the banks have introduced fees to make you think twice about moving away from them.

Loan exit fees have become common place in the mortgage market. Today very few banks provide loans without them. But it hasn’t always been the case.