Property investment strategy and implementation

Planning Stage

1. Optimised lending and banking structure, including:
   • Best use of offset account/s, credit card/s, lines of credit, fixed and variable rate loans;
   • Lending structure to support optimised ownership structure, while minimising interest cost and maximising tax benefits;
   • Optimised use of leverage, borrowing capacity and buffer/reserve funds, while avoiding or
   • Minimising mortgage insurance to achieve the appropriate risk managed return on investment.
2. Recommendation of ideal purchase price range to support diversification and return on investment
3. Optimised ownership structure to minimise income and land tax
4. Before and after tax cash flow analysis including sensitivity analysis to variables and risks such as higher interest rates; Advice on appropriate use of tax variation/s;
5. Property portfolio plan “live” worksheet showing acquisition path under different growth projections and core variables, from plan commencement to post retirement;
6. Property risk assessment and management plan;
7. Liaison with your other advisors such as accountants, financial planners and lawyers to ensure strategy and plan considers and integrates their advice.