All About Financial Services

19/10/2021

🏠 You might be thinking about putting your money away in brick and mortar to save for your future.
Investing in property isn’t rocket science but there are a few rules savvy investors should follow for success.

Here are some things we’ll cover to get you started.
Should I invest? 🤔
Investing isn’t right for every one.
The first thing you need to do is make sure you’re in the right financial position to take the risk.
How do I build a strategy? 🧐
Before you start your journey you need to do plenty of research and build a strategy around your specific budget and financial needs.
How do I choose the right loan?
Once you get your finances in order, start shopping around for a great loan.

Make sure you get pre-approval from your lender before you start looking for your investment property.

How will I manage my investment? 📊
It’s important to remember that an investment property is a long term commitment and you need to know how you are going to manage it over the life of your loan.

With the right advice and loan, property investment can be the most satisfying and profitable decision you make.

👉If you have any questions or want to discuss whether property investment is right for you, contact us on [email protected] or DM us now

13/10/2021

😎 Let’s face it, we’ve all dreamt of one day owning something fun like a boat, jetski or caravan. Not only can they seriously boost your lifestyle, but they’re great assets for your entire family to enjoy.

If you’ve been thinking about investing in a lifestyle asset, we should talk.
We have several lenders that have products suited specifically for these purchases.

We can help you with:

- Low rates specific to asset types
- Super-fast approval times
- Low stress, easy processes.

Whatever you’re after, we can find a solution to help you.
Message us to book a free appointment, anytime or email [email protected] and and you will receive a call as soon as available 📲

30/09/2021

Any property guru worth their salt will tell you that a dream property investment has nothing to do with a prestigious address or sleek amenities.

The ultimate goal, is to find that perfect “high yield” property that will give you maximum returns for as little input as possible.

Yield refers to the amount of cash a property produces as a percentage of its value and is calculated by the rental income you are receiving compared to the purchase price. There’s a lot more that goes into the calculations, which we're happy to run you through, but to give you an idea on what to look for, we’ve put together some simple tips.

Do your research. There are plenty of stats out there that will give you the median rental yield for each suburb. This is a great place to start!
Look for dual income properties such as a house with a granny flat. You can potentially have two streams of rent coming in, meaning the chance for a higher rental yield significantly increases.

Have you thought about looking rurally? Country towns offer some great properties at a low price and because the cost of living is low, the rental yields tend to be higher.

Always think forward. Be on the lookout for up-and-coming areas and ask yourself if they’ll still be flourishing in five years time.

At the end of the day, you need to be realistic. Just because a property has a high yield doesn’t mean it’s going to be a great investment. We can talk you through your options for investment loans so you can see what your monthly outgoings might look like.

📩 Message us or email [email protected] for a free consultation.

21/09/2021

👉🏼Before you invest in property you need to decide on a cash flow strategy. There are two main options to choose from and they both offer different tax benefits.

✔️Positive Cash Flow Strategy
If you are making a profit from a rental income this is known as positive cash flow. This is a popular choice when interest and vacancy rates are low because you can capitalise on loan-to-value ratios (LVR) and reduced repayments. You can claim on depreciation and take advantage of special loan features such as offset accounts.

✔️Negative Cash Flow Strategy
If your rental income is less than the expenses your property generates, never fear. This is a strategy some people use to reduce their taxes and make more money in the long term. It’s a great option if you have a reliable salary as you can offset any losses against your income.
Negative gearing can be complicated so I definitely recommended speaking to a professional before you make a decision. Furthermore, the lender and loan you choose for your investment loan needs to match your cash flow strategy.

This is something we are happy to help you with so feel free to contact us on [email protected] or DM us and we’ll get back to you shortly.

16/09/2021

Do you have an existing loan and you’re not sure if it’s the right fit for you anymore?

You don’t have to stick with your current lenders just because they were your go-to-guys a few years ago. We can help you find a much better deal to suit your current circumstances.

The first thing you should do is organise a valuation of your home to get a clear understanding of what your property is worth in the current market. This estimate will be used to calculate your LVR which will affect the amount of additional money you can borrow from the bank.

Different lenders will assess the value of your home differently. To get a true indication of your property’s value or to find out how much equity you have on your current home loan, give us a call on 0433 788 127.

18/07/2019

Hello all. I have just came across this report. I know that a lot of my clients do have property in QLD. I know that i do so for me it was refreshing to read.

With property markets bottoming out, one capital is tipped for a 20 per cent price rise over the next three years.

09/07/2019

Our new web site is now up and running! Feel free to visit and share.

http://www.aafs.com.au/

05/07/2019

Hi everyone, I have decided to take this challenge on. It is to assist with mental health. Please see the link and donate as much or as little as you can. I will be doing 150 push ups per day for 21 days. This is for a really good cause. All donations will be much appreciated. Thanks John

Get fit, have fun and learn about mental health

12/06/2019

A big happy birthday to John for today, we hope you have a great day!

05/06/2019

RBA have decreased rates to an all time low! Did your Lender pass it on? Contact us for a free no obligation review.

05/06/2019

Now’s the perfect time to upgrade your office equipment or company car! Call us to discuss Business Asset Finance.

04/04/2019

We are already into April so with less than 3mths to the end of financial year its time to think about any finance you may need possibly financing of a new car or investment property. Feel free to email John with any inquiries you may have.