DISCLOSURE STATEMENT

             Disclaimer of Liability for Information and Data contained herein.

Although all care has been taken in preparing the information and data contained herein, the information is general in nature and does not purport to be comprehensive in content.  It is provided without knowledge of the circumstances or objectives of any particular person/s.  It is not intended to constitute financial, legal or taxation advice and it should not be relied on as such.  Because of this, before acting you should consider its appropriateness, having regard to your objectives, financial situation and needs, and we recommend you consult a financial planner.

The entire risk as to the use of the information is assumed by you.  APWS shall have no liability to a user, or any other person or entity for any direct, indirect, incidental, special, or consequential damages whatsoever, even if APWS has been advised of the possibility of such damages, or they are foreseeable.  Applicable law may not allow the exclusion of some implied warranties or the exclusion or limitation of liability for consequential or incidental damages, so the above exclusions and/or limitations may not apply to you.

                        Introducing Australian Property Wealth Strategists (APWS)

We have developed strategic alliances with a group of licensed professionals and companies to provide our clients with the expertise necessary to assist them in achieving their ambitions and goals.

Together we need to ensure that the strategies that you have decided to implement are within your financial capacity and will not place you and your family in financial difficulty. Accordingly, we recommend that you seek an initial consultation with an experienced finance broker to establish your borrowing capacity, and what price property would be comfortable for you.

In order that you are able to make an informed decision, we provide comprehensive research profiles on all properties that we submit for your consideration.  APWS conduct ongoing research using various independent research organisations to determine which areas offer the best prospects for capital growth. We examine forecast population growth and rental demands, current and future infrastructure and suburb demographics. We also examine current and future land supply. True capital growth comes from land limited supply which equates to demand. Price comparisons of similar properties are studied to ensure that our clients are offered the best product for the price. 

APWS has selection criteria for builders and developers. We identify builders who have a record of quality workmanship, licensed with insurances up to date and a clear record with the BSA (Building Services Australia).

We select developers and builders who meet APWS quality standards and who protect their developments with covenants that maintain property values.

When a property is selected and a provisional contact is signed we contact your bank or finance broker who will implement the financing strategy most desirable for your needs.  From this point on we look after all matters including negotiations with the builder, solicitor, quantity surveyor, tax accountant and assist you in any matters pertaining to your property.  When your contract becomes unconditional, we alert the property manager to the proposed completion date of your rental property to ensure that as soon as the dwelling is completed a tenant is in residence.

We do not charge for our services as our remuneration is obtained from the developer/builder marketing budget.

APWS is in touch with prospective investors world wide. Taxation, real estate and property management advisors appear regularly in our online forums, open to both locals and international investors.  Market information, property updates – ‘your property’ profiles – all contribute to supporting clients through all stages of their rental property purchase and thereafter.

When purchasing a rental property you want to be assured that everyone involved in the process is working for your best interest.

You want to be sure that they are not constrained by their in house income structures that might result in them promoting a particular solution or product because of the potential return to the company, rather than providing you with their independent professional advice.

Mission statement:

To educate and support our clients to enable them to develop successful, sustainable long-term property wealth strategies with renewable action plans.

Our values:

Truth and integrity aligned to high professional standards, both in our own organisation and those we use to provide products or services to our clients.

We take the fear and uncertainty out of property investment by:

·         Educating and providing our clients with simple and effective information showing what makes a good purchase

·         Providing access for our clients to relevant research and market trends

·         Assisting our clients to select the best finance structure for their individual situations and ongoing investment program

·         Empowering our clients to access the sleeping equity in their homes

·         Helping our clients to maximise legal tax deductions and increase the cost effectiveness of each of their rental properties

·         Facilitating the introduction of clients to professional associates that can offer appropriate advice

·         Encouraging the education of the whole family to ensure the financial independence achievable through property to benefit the next generation

Benefits of Residential Property

Security- Residential property is considered such a suitable asset as collateral that lending institutions are prepared to lend up to 100% to enable you to purchase either your own home or a rental property as against 70%-75% for commercial/industrial property or shares.

Performance – Study after study has demonstrated that people who own their own homes end up with an average net worth many times greater than that of those who rent.

Leverage – Residential property allows you to use a small amount of money to acquire assets at a much higher value than simply investing that same small amount of money in cash deposits and/or shares.

Most people who  fail to move forward with the purchase of a rental property do so through not implementing the important initial steps required. The first step is to make an appointment with an APWS consultant to discuss any concerns you may have, develop your goals and agree an action plan. Once agreement has been made with reference to your future plans, we can work together towards developing your strategies to reach them.

The next step is to determine your ability to finance the purchase of a rental property.  APWS will refer you to qualified finance brokers who will make suggestions as to what level of price property will suit your personal situation. We also recommend that you talk with your current bank so that you can make an informed decision.  It is important to note that your initial meeting with the finance broker is offered free of charge.

The selection of the right rental property is crucial to the success of your wealth creation strategies. Selected properties must meet set criteria to maximise capital growth, rental income and taxation allowances.

Support and education are the primary objectives of APWS. You can monitor the progress of your rental property online and access our panel of service providers live on the internet via media such as Skype.

Frequently asked questions

What does APWS offer?

We have brought together a strategic alliance, a group of licensed professionals and companies to provide you with the expertise and assistance for you to make informed decisions relating to rental property purchases.   That is our purpose!!

Is this a sensible step to take?

Property still remains one of the most popular investment choices by Australians who favour residential property to invest in because it continues to demonstrate the following benefits:

• Strong growth over time
• Increased income [cash flow] over time
• Taxation benefits through depreciation of building costs, fixture and fittings plus expenses
• Combined rental income and tax benefits that help fund the cost of the rental property
• The flexibility to sell, hold or even move into the property at any time

Additionally rental properties add diversification to your investment in superannuation, managed funds and/or shares.

If it is within our financial capability – what is the next step?

Select a suitable property - The APWS rental property selection criteria:

• What should you buy?  Where should it be located?  How much should you spend?
• Does it meet the APWS test for location?  Infrastructure?
• Are there strong covenants supporting the development?
• What are State and Local Government plans to develop the area?
• Is the socio-economic mix right?
• What is happening with residential real estate in the area

-          Capital growth

-          Rental demand

-          What rental income can we expect?

-          Who will manage it for us?

How do we use leverage to accumulate rental property?

The deposit for the purchase of your first property can be cash or ‘sleeping equity’ in your current home.  When the equity in your first rental property reaches an amount sufficient to obtain a further loan, you can use that equity to increase your portfolio.  The equity in your current home has also increased over this period, providing you with an opportunity for compound growth. The secret to building a successful rental property portfolio is to purchase only when you have sufficient equity in your current properties.  Your individual financial situation will be reviewed by your bank or finance broker to ascertain your ability to purchase another rental property without putting strain on your budget or lifestyle.

Caution ! Nobody can predict the future, so care should be taken when estimating future values of property by using a conservative growth rate of 5% p.a., which means that property, will double in value every 14 years. Using the BSI Shrapnel index for capital growth average in Australian capital cities of 7.9%, your properties will double in value over 9 years.  The Queensland Government recently announced that the growth in the greater Brisbane area in 2007 averaged over 20%. Whatever growth factor you elect to use the reality is that property is not a get rich scheme but a medium to long term investment strategy.

How much involvement do we have?

You can be involved as much or as little as you would like, you will have a dedicated team of specialists who will be there from day one. They will help you put in place a plan, and after you have purchased your property they will ensure that all of the after sales procedures are taken care of as well.  APWS will liaise with your finance institutions to ensure approvals happen on time, we also keep in touch with all of your professional services providers to ensure that the settlement and building program happen smoothly. Approximately one month before hand over from the builder we will begin working with property managers to make sure that you have a suitable tenant for your property. 

Stage one:  First property

• Financial capability determined – financing plan developed
• Rental property and builder selected
• Contracts completed – legal services
• Constructions monitored by APWS – 2 formal building inspections conducted by APWS building inspector during construction. First at frame stage, second at lock up stage
• Near completion property manager appointed
• Quantity survey report ordered for depreciation schedule
• Consult with tax advisor
• Construction completed, final hand over inspections organised, hand over to owner and tenant
• Regular reports from property manager including rental income statement
• Access capital growth estimates through the APWS web site – links to Comparative Market Analyses  

Stage two:  Second property

• APWS monitors the growth in value of your rental property, advising you when it may be the time to purchase another using the increased capital growth and residual cash  

                               Competitive prices

Every property selected has to pass our quality test which includes being competitively priced.  We negotiate directly with the developers and the builders.

The price you pay has no surprise charges – it is a turnkey price with all inclusions, gardens, landscaping and fencing ready for your tenant to occupy on the day of hand over to you.  Whether dealing through APWS or direct with the builder/developer you will pay the same price.

                               Keeping you informed

APWS are leaders in the field of communication; we have developed innovative technology which allows you to be informed at all times.

We provide regular briefings from a range of experienced professional advisors in all of the important areas relating to rental property by way of online seminars and group discussions. This can be done from your office or the comfort of your own home as well as a personal consultation with one of our experienced team members.

Online meetings will be conducted on a regular basis to keep you well informed on the market, and what is happening in the area in which you have purchased your rental property.

You will receive a regular newsletter and invitations to you and your friends to attend free information sessions and seminars held regularly throughout the year.

                   Maximising your taxation allowances

Upon completion and settlement of your rental property, we arrange for a leading firm of quantity surveyors to prepare a depreciation report on your property. This will give you the maximum allowable deductions for depreciation and will save you many thousands of dollars over the life of your property ownership.  The depreciation report is offered to our clients at a reduced cost.

                             Ongoing support?

Our role is to guide you through the entire process, maintaining regular contact either in person or online (Skype and Hello World).  Your initial property purchase through our support services is the first and most important step in your personal strategy.  Over ensuing years, with the help of capital growth, APWS will guide and assist you to use increased equity to purchase additional properties.

We look forward to working with you to develop your rental property portfolio which will enable you to achieve the retirement nest egg that you desire.

Warm regards

Christopher Hare                                                                            

Director

             APWS will set your direction and coach/mentor you all of the way towards your goals.

Contact :

www.apws.net.au  join (free) and become a member

Christopher Hare

Mb:  0414 074 948

Skype ID:  cwjhare

Email:  cwjh@apws.net.au