Free Professional Help & Guidance
Retirement Planning Advice
Initial, free one-to-one consultation, enables you to review your current retirement planning with a qualified professional. Make sure you have:
- the best wealth protection
- the best tax advice
- the best investment strategy
During a financial review, our Finance Specialists will help you:
- Holistically assess your current financial circumstances and future wealth goals
- Determine if your current loan is still the best option for you
- Analyse your individual needs and explore our panel of 40+ lenders to source the most suitable home loan for you
- Prepare your paperwork and submit your home loan application on your behalf
- Negotiate with other stakeholders (solicitors, accountants, surveyors, etc)
- Give you peace of mind throughout the loan application or refinancing process
Book a FREE Financial Review with a Professional Consultant
Investing in property can be a solid strategy for retirement planning, providing both long-term capital growth and a steady income stream through rental yields. This guide outlines how to approach property investment with retirement in mind, leveraging insights from industry experts.
Why Property Investment?
Property investments can serve as a robust asset class to diversify retirement portfolios. They offer potential for appreciation over time and can generate regular rental income, which is particularly appealing for retirees seeking stable cash flow.
Strategic Property Selection
Choose properties in areas with strong growth potential and demographic demand, focusing on long-term value appreciation. We do all the research for you and share our findings, providing expert analysis.
Financial Planning
We help you understand your financial capacity to maintain and manage properties. Helping you to consider the impact of potential rental income and the tax advantages that may come with property investment.
Management & Maintenance
We guide you through the best way to utilise professional property managers to handle day-to-day operations, ensuring your investment remains attractive to tenants and is maintained properly.
Market Dynamics
We research thoroughly to stay abreast of property market trends, the supply-demand dynamics in preferred locations, and the overall economic factors that could impact property values.
Mortgage & Financing
We help you to pick the right type of mortgage that suits your financial situation & take advantage of leveraging equity from existing properties where possible to finance additional investments.
Property investment can significantly contribute to a secure retirement if managed wisely. By following these strategies, retirees can optimize their investment returns while mitigating risks associated with real estate investments.
We have access to over 40 of the leading lenders in the country and after a thorough financial review will help guide you to the best options.
Remember, consulting with financial advisors and real estate experts before making investment decisions, is crucial to align with your overall retirement goals.
During a financial review, our Finance Specialists will help you:
- Holistically assess your current financial circumstances and future wealth goals
- Determine if your current loan is still the best option for you
- Analyse your individual needs and explore our panel of 40+ lenders to source the most suitable home loan for you
- Prepare your paperwork and submit your home loan application on your behalf
- Negotiate with other stakeholders (solicitors, accountants, surveyors, etc)
- Give you peace of mind throughout the loan application or refinancing process
Book a FREE Financial Review with a Professional Consultant
Why Choose Us?
Professional Advice
We're helping real estate investors and owner occupiers with making their money work for them. We pride ourselves with being able to assist clients to achieve the dream of building wealth through property investments. However, we also specialise in assisting a whole range of home buyers and clients for their financial needs.
Nationwide
Operating throughout Australia with specialists in Brisbane, Newcastle, Sydney and Melbourne. No matter where you are in Australia we have a qualified professional waiting to help you save money on your home loan repayments. Book a free home loan review to start saving now!
Personal Service
We recognise that everybody is different, really are any 2 home loan applications ever the same. Whether you're a first-time investor or someone with an extensive portfolio, our award winning team work to ensure your purchase aligns with your long-term real estate investment goals.
Our Vision
Our vision is to assist as many people as possible to achieve their full financial potential by educating them to implement specialised, sophisticated, safe, and effective financial structures to help them achieve their lifestyle goals.
Our Mission
Our mission is to be recognised nationally as the leading finance and property experts in the industry, servicing clients globally to achieve the dream of owning and building wealth through property.
Our Values
Our values are all about doing the right thing at the right time. From experience, we know that if we put your interests before everything else, not only do you get the best advice but we also build a loyal client base at the same time.
FAQ: Retirement Planning in Australia
You can access your superannuation when you reach your preservation age, which varies depending on your date of birth. For those born before July 1960, the preservation age is 55, increasing incrementally to 60 for those born after June 1964. Access to your super is also possible under conditions of severe financial hardship, compassionate grounds, terminal medical conditions, or if you are permanently leaving Australia.
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The Age Pension provides income support to older Australians who meet age and residency requirements. To qualify, you must be at least 66 years old, though this age will gradually increase to 67 by July 2023. Eligibility also depends on your income and assets; limits on these vary, so checking the latest thresholds on the Department of Human Services website is advisable. The Age Pension serves as a safety net and can be supplemented by personal savings or superannuation.
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Managing your superannuation through an SMSF offers several benefits, including greater control over your investment choices and the flexibility to tailor your portfolio to suit personal preferences and financial goals. SMSFs also allow for direct investment in certain assets, like real estate, which might not be possible in other super funds. However, they require significant management responsibility, including compliance with legal and tax obligations, so it’s important to consider whether you have the time and expertise to manage an SMSF effectively.
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When planning your estate and creating a will, consider all your assets, including superannuation, real estate, and personal belongings. Decide who will inherit these assets and in what proportions. Consider appointing a durable power of attorney to manage your affairs if you become unable to do so. It’s also crucial to regularly update your will, especially after major life events like marriage, divorce, or the birth of a grandchild. Seeking legal advice to ensure your will is valid and encompasses all your wishes is highly recommended.
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Negative gearing is a financial strategy used primarily in real estate investment. It occurs when the costs of owning an investment property exceed the income it generates. In other words, if the expenses related to the property, such as mortgage interest, maintenance, and property management fees, are higher than the rental income you earn, you’re in a negative gearing situation.
When you negatively gear an investment property, you can use the loss (the difference between your rental income and the expenses) to offset other income you earn, such as your salary. This can potentially reduce your overall taxable income, which might result in a lower tax bill. The strategy aims to leverage the tax benefits to help reduce the financial impact of the property’s losses.
The primary advantage is the ability to reduce your taxable income through deductions on the investment property’s losses. Additionally, if property values increase over time, you will benefit from capital gains when you eventually sell the property.
It is totally free, a genuine opportunity to have a qualified professional assess your financial situation with you.
You are under no obligation and will not be pressured in any way.
If we cannot find a home loan option for you that you agree is better than your current loan and saves you a sizeable amount of money on your monthly repayments, then we cannot expect anything other than a no thank you.
And if we think your current arrangements cannot be unproved upon we are both honour-bound and compliance-bound to tell you that.