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.

With Portfolios - Property... Make it Happen

Renovating an investment property for income gains, if done well, is one of the single most satisfying and financially rewarding things you could achieve in property investment.

In this second article we give you further insight into making property renovation a great opportunity for you.

Multiple investment property finance strategies can be complex and require that extra understanding. It takes finesse, especially in the current lending climate.
Direct experience and a long term track record of financing multiple property portfolios and strategies is what sets Portfolios apart in the Australian Property Investment finance market.
Delivering To New Clients
We have had many clients coming from our peers because of our proven track record. Our clients are telling us about their finance experience like waiting 5 months for a refinance, little or total lack of communication from their broker and mostly a general lack of experience in delivering complex strategies. These issues are common place issues. Further the brokers seem to blame the lenders for the outcome… that begs the question ‘was it presented to the lender/s correctly in the first place’.
A Case In Point
We have a case in point where we documented a strategy for a client to grow from 5 -7 proprties. At the time they may not have seen our value and gave it to their existing broker, all they had to do was follow the document.
Last week they contacted us for help as after 4.5 months its was not delivered. The implementation was totally incorrect and only 1 of the 4 refinance loans were settled. To add to the insult the loan splits were incorrect and none of the 2 new purchases were even at pre approval, all to the extreme frustration of our new client.
The property investment game is not easy. Having access to the mind and experience of the figure head is paramount.
Being The Best – Not The Biggest
At Portfolios our aim is to be the best not the biggest, with an experienced tight knit team that pride in delivering on what we profess. The summary below is our view on how we view you, your portfolio and your strategy
1.      Never cross collaterise your loans, we untangle them.
2.      Maximise available funds within calculated reason
3.      No fixed interest rates
4.      Documenting the fine print for loans – in, ongoing and out.
5.      Interest only loans
6.      A clear written strategy to follow, decided upfront
7.      Transactional line of credit and then basic term loans for the rest
8.      Clear on the numbers and the costs for refinancing and include all costs
9.      Maximising valuations, lender service calculations and current policy
10. The strategy we offer has been extensively researched, and reviewed by the lender credit manager to ensure it will ‘fly’.
11. The strategy needs to allow for YOU. Not just the loans, see previous Blog ‘How are you placed’.
12. No inflated current industry timeframes for loans. We currently allow 6 weeks for a refinance from submission to when funds are cleared in your bank account. The same for a purchase, any time stated under this … well not consistently achievable
The market is heating up and we have seen loads of activity from our existing and now new clients. Being armed with a sound strategy and loan preapprovals in place are giving them the edge with their purchase negoiations
How is you finance team going ? Are they delivering what they profess, confirmed and documented upfront and in reasonable timeframes
We welcome the opportunity of working with you and your property investment to make it happen.

Multiple investment property finance strategies can be complex and require that extra understanding. It takes finesse, especially in the current lending climate.

Direct experience and a long term track record of financing multiple property portfolios and strategies is what sets Portfolios apart in the Australian Property Investment finance market.

Hi there and welcome once again to Mortar and the Money. In this issue we look back on property investment first quarter of the calendar year and try to paint a picture of what is to come.
Looking back on the first quarter for the calendar year it has been an interesting mix of growth and stabilisation. There are challenges overseas with the debt crisis looming in Europe, coupled locally with the decision by the Federal Government to introduce a “Super Profit Tax” on our resources sector. Contrast this with the strengthening of the American Economy and the continued growth in the domestic economy ad the picture is very interesting.
With the share market taking another battering we remain confident in the property investment market and know there are still great deals out there. It is providing consistent returns and indicators are that this will not change course in the near future.
Our mission at Portfolios through this newsletter is to help you in your property investment journey, providing vital information on the market and helping you make better decisions in your investments.
This month also started the seminar and presentation for Paul with Renovating for Profit, with 9 workshops between May and November. Check out our website for venue and other details.
I encourage you to regularly visit our website and see what is going on in the market, talk to us about your plans and lets see if together we can… Make it Happen.
Paul Pritchett
Founder – Portfolios

Hi there and welcome once again to Mortar And The Money. In this issue we look back on property investment first quarter of the calendar year and try to paint a picture of what is to come.

Looking back on the first quarter for the calendar year it has been an interesting mix of growth and stabilisation. There are challenges overseas with the debt crisis looming in Europe, coupled locally with the decision by the Federal Government to introduce a “Super Profit Tax” on our resources sector.