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

3 Lines Of Defence – A Great Personal Property Investment Plan
How Are You Placed?
Paul Pritchett – Founder Portfolios
For me the game of property comes down to Sound Structure ,Strategy, Finance, Your Team and of course You.
A really key consideration first and foremost is available funds. Your funds need to be what we call Strategic Equity Usage and allocated upfront to ensure your whole plan and other factors are catered for.
On the point of available funds, you should be aware that as the RBA and lenders increase rates the amount of money they will lend you on your current income reduces, in some cases dramatically.
Allocations should consider loan equity, purchase costs, updated portfolio shortfalls, renovation costs, deal hold costs, living expenses and then importantly the buffers.
The most important addition to any strategy is what I call ‘3 lines of defence’.
The first is the way we calculate the portfolio shortfall numbers, nett rent and interest rate increase allowances.
The second we make allowances as if all equity has been used, leaving you paying maximum interest.
Thirdly, and important personally, is what we call sleep@night, where YOU allocate 2 amounts that ensures emotionally you are sound.
The two parts of the sleep@night allowance includes:
- How long you need to have the portfolio self sustain, and
- How much extra over you need for that rainy day and/or personal use.
Once all factors are considered and the real numbers allowed, you have a great foundation and plan for you to deliver from.
Any quality strategy needs to allow for personal factors, and there can be many, unique to each person. Looking at your current team how’s your relationship with them going? Have they allowed for YOU?
If you had ever thought of working through your plan, now is the best time.
As money access tightens having the maximum amount of funds allocated to deliver your plan gives you the edge.
At Portfolios we are property people not just finance, we understand all the ins and outs of property investment, complex deals and hold strategies.
How are you placed , do you need a hand to get it all together to make it Happen?

How Are You Placed?

Paul Pritchett – Founder Portfolios

For me the game of property investment comes down to Sound Structure ,Strategy, Finance, Your Team and of course You.

A really key consideration first and foremost is available funds. Your funds need to be what we call Strategic Equity Usage and allocated upfront to ensure your whole plan and other factors are catered for.