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

We are constantly being asked why we put so much of a focus on Queensland when there are great deals around the country in property investment.
Ar Portfolios we scour the entire Australian property investment market, and will be bringing some properties in other areas soon.
In this article we will show you why Queensland show great potential in property investment and why we have chosen to offer such a large proportion of our property selection here.
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Firstly you will you note that all Portfolios Property is measured against our strict property selection criteria. In selecting these properties only properties scoring more than 15 out of 20 even make our short list, with the majority of our offering being 18 or above. See our previous article on property selection.
When we show you Queensland’s benefits, perhaps you might ask yourself – when looking at your potential investment – whether the area you are investing in stacks up.
What About Queensland?
The real Gross Domestic Product growth in Queensland is the highest in the country. When placed on the international stage, GDP in Queensland even out performs global competitors like UK, USA and Japan. This is staggering for one state. Much of this is on the back of the resources sector but there is also heavy expenditure right across the state in infrastructure.
Following on from above, Queensland is home to the largest public infrastructure spending program in Australia’s history. You only have to take a drive through Brisbane to see the massive expenditure taking place, but outside of the metro areas ports, roads and rail are being constantly upgraded to meet the growing market.
Queensland is home to a growing young and entrepreneurial workforce fueled by numerous world-class educational institutions. In step with this is Australia’s fastest growing consumer market, being buoyed by the relatively young affluent population. Not to be outdone many parts of Queensland are experience growth in the retirement market with favourable climate and low cost of living.
In terms of trade and economy, Queensland has the 2nd highest number of international arrivals into Australia behind Sydney. The East Coast now known as Australia’s trade coast – connects Queensland to global markets (through many ports including Gladstone, Cairns) There are over 127,000 businesses and the number is growing daily.
Queensland has been ranked by KPMG as one of the world’s mos cost-competitive locations. With the fastest growing population in Australia – major domestic inward migration – as well as from outside Australia, it is unlikely property prices will stop growing in the near future.
So there you have it – we believe Queensland is a great market for property investors. We encourage you to consider your next investment in Queensland and as always are happy to discuss your unique requirements and investment strategy to help your investment property portfolio grow.

We are constantly being asked why we put so much of a focus on Queensland when there are great deals around the country in property investment.

At Portfolios we scour the entire Australian property investment market, and will be bringing other property opportunities from other states, but it is true, we have seen the most potential to date in Queensland.

In this article we will show you why Queensland show great potential in property investment and why we have chosen to offer such a large proportion of our property selection here.

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…

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.

Australians Prefer To Investment Over Upgrades
Maybe something good has come out of the GFC, it appears people are thinking twice about refinancing their home to put on that extension or remodel the kitchen.
Instead statistics are showing that mortgages have swung in favour of people wanting to purchase investment property.
With the winding back of the First Home Owners Grant Scheme and three successive interest rate rises, AFG, Australia’s largest mortgage broker has seen a drop in the number of people financing to either buy their own home or refinancing to improve it.
Whilst the property market on the face of it is continuing to climb and sales are increasing brokers are acutely aware that the market is still a little hesitant following the GFC that dominated the 2009 agenda.
The January figures show that property investors as a proportion of mortgages written continue to hold steady making up 33.7% of all mortgages written the January period.
At Portfolios we believe that it makes economic sense to build your investment in property before being excessive with your own needs. This economic activity has encouraged Portfolios diversification into property sourcing for our clients as the property investment market not only remains strong but continues to grow.
Focussing on investment property finance and sourcing, we have seen a steady increase in activity in property investment both in our business and across the market further backing up these statistics. With Portfolios, our focus is financing for investing in property so you can be sure that leading into 2010 you are will be well placed in the market with us.
At Portfolios we encourage you to review your situation and find out how easy it is to start building your investment property portfolio with us. It is obligation free and could set you on the path to financial freedom.
Simply fill out our Client Portfolio Review and we will call to arrange an appointment over the phone.

Maybe something good has come out of the GFC, it appears people are thinking twice about refinancing their home to put on that extension or remodel the kitchen.

Instead statistics are showing that mortgages have swung in favour of people wanting to purchase investment property.