Secure Growth Property Investments in Newcastle
Total Financial Security Pty Ltd (TFS) is our residential property investment advice arm. We help make a huge impact by refining your property investment strategy, building your property portfolio and helping you achieve your wealth creation goals.
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We believe Property Investment should be timely and proactive, combining strategy with our recommendations based on current national research & analysis.
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Benefits Of Investing In Property
There is no shortage of reasons to invest in property; many consider it an invaluable way of building wealth and assets. Here are just a few of the benefits you can find in property investment:
- The market works on a cycle, but generally, your property’s worth will increase over time. Property can often appreciate even when other investments lower in value.
- The Australian Government offers tax incentives for investors, letting you claim interest on loans and expenses to increase returns and reduce liability.
- You can offer your property as a rental to provide a steady stream of income; you can use this passive income to help with mortgage repayments or expenses.
Property Investment Strategy
A good property investment strategy can help you to make your income go further. Property has long been thought of as a solid investment choice; there’s a steady market for properties across Australia, and it holds its value over the years.
Property can be considered a solid choice of investment whether you’re diversifying your existing investment portfolio or looking for your first big investment.
At The Garis Group, we can help you to devise an effective property investment strategy that can help you to meet your long-term goals.
We love making a difference in the lives of others.
Newcastle Property Market
Property investment is not just what you buy – it’s also where you buy it. Property investment in Newcastle provides the perfect opportunities for growth; the area is experiencing the most significant real estate boom since 1989, with house prices boasting a 28% annual rise.
This is partly due to the ‘liveability’ of Newcastle: it’s relatively quiet but is still close to major metropolitan hubs and plenty of top schools. The city forms a calmer alternative to Sydney and is a major part of the New South Wales economy.
With more people wanting to make Newcastle their home and selling prices booming – these are many reasons property remains a worthy investment.
Investing with an SMSF
Total Financial Security can help you use your Self-Managed Super Fund to invest in property.
Fund members cannot live in or rent a property that they buy with the SMSF, nor can they acquire it from the relations of a member – it must only be to provide retirement benefits.
SMSF property purchases are more tax-effective and can provide reduced capital gains tax – it is also the only form of superannuation that lets you directly own property.
Why Is It A Good Idea To Invest In Property?
There are lots of compelling reasons to invest in property. Property offers a convenient and cost-effective investment option for buyers across Australia. Property investors benefit from:
- Record low interest rates make property more affordable than ever
- Long-term growth in property value across urban centres in Australia
- Long-term security offered by Australia’s stable property market
- Potential to make money from growth in value as well as rental income
Trusted Property Investment Advice
At The Garis Group, we work with our partners at Total Financial Security Pty Ltd to offer expert property investment advice to our clients. We can help you to develop a clear investment strategy centred around your goals, whether that means prioritising a steady rental income to supplement your existing income or focusing on the long-term growth of capital.
We can advise you on which markets to consider, which properties to buy, and how to manage your investment for maximum profits within your time frame.
With access to residential property Australia wide, we provide professional, impartial analysis of what’s happening in the Australian market.
We also work with Forrester Cohen International Group Ltd, giving clients access to an experienced and strong support team.
Frequently Asked Questions
As Newcastle properties are slowly rising in value, the best time to invest will always be as soon as you can. If you delay your investment, you should still get a profit, but it may take longer – the market is fluid, so you might even run the risk of missing out on the boom if you wait too long.
Not at all – over 60% of real estate investors have annual incomes of under $80,000. You only need to invest limited capital when buying a property; you can use mortgages to help with the rest. Many investors choose this option to break into the market and prove that real estate is not just the domain of the rich – the average Australian can still make money from it.
Brokers and lenders often give more to property investors than they do to owners; this is because investors can receive rental money from the property. Exact figures will vary, so it is best to contact a trusted lender for an estimate. Once again, you do not have to be rich to enter the real estate world; you can borrow and reach the same heights as many others.
There are lots of ways to make your deposit go further when investing in property.
You can choose to look at regions that offer strong potential for long-term growth, or you can borrow against the existing equity of your own home. You could also choose to use a guarantor.
An investment loan is for people who wish to buy property to rent out, whereas an owner/occupier home loan is only for when you want to buy a property to live in. Both kinds of property can be seen as investments, though the potential to make money from both capital growth and rental income only exists when applying for an investment loan.
It is a little bit harder to get a mortgage for an investment property because investment properties carry a higher risk which a lender has to factor in. You will usually need to be in a relatively strong financial position in order to secure an investment home loan. We can help you to put together an effective application for your investment loan.
Learn More About Property Investment
Diane Garis | Property Investment Advisor
As a long term property investor herself, Di has assisted clients for more than 10 years to develop the skills and knowledge to build their portfolio and create their own beautiful financial future. As a lifetime partner of Business for Good (B1G1), all the work Di undertakes with her clients will benefit those less fortunate to build a better future.
Di specialises in property advice to investors within Self Managed Superannuation funds and holds PI Insurance for Property Investment Advice.
Areas of expertise:
- Supporting and advising both new and experienced property investors.
- Developing a clear investment strategy for her clients based on their goals and financial needs.
- Assisting other professional organisations deliver a property solution to their clients.
