How To Buy Property
|
|
- Charla Houston
- 3 years ago
- Views:
Transcription
1 7 MOST COMMON MISTAKES PEOPLE MAKE WHEN PURCHASING INVESTMENT PROPERTY (or WHY MANY PROPERTY INVESTORS DO IT ONCE AND DO IT WRONGLY) 1. Not using a specialist team to lead you through the process property investment adviser, mortgage broker, accountant, conveyancer, property manager and financial adviser It is vitally important for a property investor to use experienced, reputable and professional advisers. Many investors try to do as much as possible themselves to save costs or engage the cheapest service providers. In most cases this leads to delays and ends up costing the investor much more than if they had used the best team of support specialists. Such specialists can help the property investor: - select and purchase the most suitable investment property - set formal goals that are measurable and have a time frame - maximise the tax advantages of owning an investment property (e.g. by obtaining a depreciation schedule) - purchase the property in the most suitable name(s) - minimise the impact on cash flow (e.g. by lodging a tax variation form) - establish the most suitable finance structure - obtain the most suitable tenant and reduce the risk of vacancy - obtain advice on their overall financial plan for the future
2 2. Making property investment decisions based on emotion rather than logic and research Common emotional decisions are: - purchasing property in the local area only. This is based on the belief that it only makes sense to purchase property where we can keep an eye on it and make sure the tenants are looking after the property. This is an emotionally based decision and in many cases leads to a poor investment. - so many people purchase an investment property using the same emotion as they would when buying a home to live in, e.g. properties with ocean views, large land holdings in hobby farm areas - spending money and time on colour schemes and other items that do not improve rental return - purchasing property based on advice from friends and family members rather than using research, logic and specialist advisers - purchasing an investment property in an area where they go on holidays and where we would love to retire or where their son or daughter have somewhere to live when they leave home, e.g. when they go to university Using logic and research instead will reduce the risks of investing and maximise your chances of successful property investment. 3. Purchasing property in regional areas that have strong rental returns If your goal is to provide for your financial future it is important to purchase properties that have consistent strong capital growth whilst at the same time providing a consistent strong rental return. The continued capital growth provides the asset for your retirement and the consistent rental return allows you to hold the property without significantly affecting your cash flow / lifestyle. Many novice investors are tempted to purchase property in areas where the rental returns are relatively high.
3 Such properties are usually in regional areas where capital growth is inconsistent and unreliable. Typically they are reliant on one industry to fuel the demand. When that industry suffers a downturn or closes, rental income can plummet, vacancy rates increase and property prices fall. Examples of this are mining areas and regions largely dependent on one major employer (e.g. an aluminium smelter or a car manufacturer). 4. Purchasing incorrect type of property / not diversifying The choice of property type is very important. Usually a good investment property is one that has low maintenance costs and is attractive to a wide range of tenants that require a long term lease. Common mistakes include purchasing the following types of property: - older properties because they are cheaper (these have higher maintenance costs) - home units in seasonal holiday areas (lack of consistent rental income) - unique architecturally designed houses (higher building costs and fewer buyers if property is sold) - properties that require high maintenance costs (adds to holding costs) - steeply sloping blocks (higher construction costs) - home units with very high strata levies (adds to holding costs) Another mistake is purchasing all investment properties in the same geographical area. When investing, diversification is an important consideration. A geographical spread of properties will reduce risk and allow the investor to take advantage of various property markets in different stages of their growth cycles.
4 5. Setting up finance incorrectly The most common mistake here is to have all loans (including an investor s own home loan) with the same lender. This increases risk by: - Not having the best loan available - Cross collateralisation i.e. all properties owned by the investor securing all their loans. This increases the risk of forced sale of the family home if there is a default on any investment property loan - Having one lender controlling all properties owned by the investor - Severely restricting the purchase of additional properties, especially if the lender has restrictive borrowing policies - Adding to costs involved and complexity with additional borrowings, e.g. if additional loan required, all properties need to be revalued. Other common finance mistakes include paying principal and interest on the investment property loan any available cash should be used to reduce personal debt. 6. Not setting goals This is another vital component of the investment property process. Many people purchase a property merely because they think it would be a good idea. They have no formal plan. At the very least, property investors should have a written plan that has goals which are measurable and have a set time frame. An independent financial adviser can be an additional valuable resource with an overall plan.
5 7. The most common mistake procrastinating and not doing anything at all! Think about the facts - if you do nothing: Could you live on $400 a week in retirement? Do you have enough saved for 25 years of retired life? Will you be able to afford a holiday when you retire? Are you working hard just to get by? Will you have anything in the future to show for all your hard work now? Are you getting ahead? How are you going to manage when your income more than halves in retirement? Do you want to rely on government hand-outs to live on in retirement?
Looking for a property investment specialist?
Looking for a property investment specialist? 21 questions you must ask! (Our answers provided) 1300 800 886 www.thesuccessfulinvestor.com.au Choosing the right Property Investment Specialist to assist
More informationInvesting in unlisted property schemes?
Investing in unlisted property schemes? Independent guide for investors about unlisted property schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from
More informationA GUIDE TO ASSET CLASSES. We understand that everyone has different goals when it comes to their savings. When building your investment portfolio it
Investor Portfolio Service (IPS) A GUIDE TO ASSET CLASSES. We understand that everyone has different goals when it comes to their savings. When building your investment portfolio it s important to understand
More informationMORTGAGE FACTSHEET -1-
MORTGAGE FACTSHEET Choosing and obtaining a mortgage is not a simple task these days - whether you are a first time buyer, moving home, or remortgaging as you reach the end of your current incentive. This
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationHow To Understand The Laws Of Korea
A Additional Payment The method of significantly reducing your home loan with extra payments to your mortgage. Even paying fortnightly rather than monthly can have a big impact. Amortisation Another way
More informationTHE SMSF ESSENTIALS GUIDE. The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund
THE SMSF ESSENTIALS GUIDE The ultimate starter guide to setting up, running and effectively using a Self Managed Superannaution Fund DISCLAIMER The purpose of this e-book is to provide information and
More information1. Anyone who wants to understand how FOS assesses a consumer's loss.
The FOS Approach The FOS Approach to responsible lending How we work out a consumer's loss Introduction When a consumer (an individual or small business owner) cannot make their loan repayments, they sometimes
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationAre you in debt? Do you need to sell your house fast? Then Read on to find out How To Get Out Of Debt Now!
Are you in debt? Do you need to sell your house fast? Then Read on to find out How To Get Out Of Debt Now! When you miss mortgage payments you can find yourself in deep trouble. The mortgage lender could
More informationInvesting in mortgage schemes?
Investing in mortgage schemes? Independent guide for investors about unlisted mortgage schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from ASIC about
More informationWhat s deductible & What s not for Property Investors?
What s deductible & What s not for Property Investors? Below is a list of items which you can claim as a deduction against rental income for this year. Further below is a list of items which are not deductible,
More informationA guide to writing a business plan
A guide to writing a business plan Contents 01. We're here to help 01 02. Your business profile 02 03. Your market 03 04. Your sales and marketing + Management and staff 04 05. Operational plan + Finances
More informationHOME LOAN ADVICE CENTRE e-course (PART 1)
HOME LOAN ADVICE CENTRE e-course (PART 1) Welcome to the Home Loan Advice Centre e-course. The information contained within this e-course is Home Loan Advice Centre s compilation of information, tips,
More informationGuide to buying your first home. January 2015
Guide to buying your first home January 2015 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first
More informationMortgage & Equity Release Guide
Edward Wilson Financial Services OVERVIEW Experience We have been advising clients since 1994, and have a wealth of experience for which there is no substitute. As an appointed representative of the Sesame
More informationHow to Buy and Sell Property FAST in Today s Market!
How to Buy and Sell Property FAST in Today s Market! A land contract is a written agreement between a person who has sold property ("the Seller or Vendor") and the person who bought that property ("the
More informationBorrowing to Buy Property in your Self Managed Super Fund
Level 7,34 Charles St Parramatta answ 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegie.com.au Guide Build Protect Manage Wealth Borrowing to Buy Property in your
More informationAt last, now anyone can be a property investor.
PORTER DAVIS I N V E S T M E N T At last, now anyone can be a property investor. PORTER DAVIS Buy direct from the builder. I N V E 1800 PORTER (1800 767 837) S T M E N T PORTER DAVIS I N V E S T M E N
More informationFINANCIAL SERVICES BOARD COLLECTIVE INVESTMENT SCHEMES
FINANCIAL SERVICES BOARD COLLECTIVE INVESTMENT SCHEMES INTRODUCTION This booklet will provide you with information on the importance of understanding ways in which Collective Investment Schemes ( CIS )
More informationPartnering with you to buy your home or investment property. Buying an Investment property
Partnering with you to buy your home or investment property Buying an Investment property Buying an investment property Investment property expenses To run a successful rental property you ll need a detailed
More informationDebt Freedom Plan. John and Mary Sample
Debt Freedom Plan For August 1, 2015 Prepared by Money Tree Software 2430 NW Professional Dr. Corvallis, OR 97330 541.754.3701 Cover page text, cover page logo, and report headers are customizable. This
More informationI. Business Transfer Strategies
In many two-generation farming arrangements, the younger party begins by working for a fixed wage. Eventually, however, he or she will want to become an owner/operator not just an employee. Achieving this
More informationFinancial Planning for Contractors
Financial Planning for Contractors Contents 1.0 Contractor Mortgages Page 1 2.0 Contractor Pensions Page 2 3.0 Critical Illness and Income Replacement Page 4 4.0 Contractor Life Insurance Page 5 5.0 Relevant
More informationA Guide to Equity Release in Retirement
A Guide to Equity Release in Retirement 1. Introduction For the retirement you deserve 2. What is Equity Release? 3. Equity Release Plans The options available to you 4. The Application Process 5. Questions
More informationInvestment Bond. Funds key features. This is an important document. Please keep it safe for future reference.
Investment Bond Funds key features. This is an important document. Please keep it safe for future reference. 2 WHAT ARE THE FUNDS KEY FEATURES? This document is part of the information we provide you to
More informationYour retirement could have even more going for it
Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could
More informationFact Sheet. What is the value of our advice?
Fact Sheet What is the value of our advice? Our clients tell us that our financial advice gives them peace of mind knowing that professionals are looking after them, and that they are financially well
More informationUnderstanding gearing Version 5.0
Understanding gearing Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to gearing. This document has
More informationThe Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V0050713a
The Mortgage Guide Helping you find the right mortgage for you Brought to you by Hello. Contents We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever
More informationProperty Investors Guide
Property Investors Guide 2015 Edition Get the extra edge and invest with confidence, with our Property Investors Guide 1 Contents Introduction 3 Why should I invest? 4 1. Increased Security 4 2. Retirement
More informationMORTGAGE FOCUS with Kelly Wealth Lending Services and Acceptance Finance
July/August 2015 MORTGAGE FOCUS with Kelly Wealth Lending Services and Acceptance Finance Happy New Financial Year! We hope that tax time is not proving to be too tedious for you and you re looking forward
More informationMortgage Advisers. The Mortgage Guide Helping you find the right mortgage for you
Mortgage Advisers The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make.
More informationYour Guide to Equity Release
Equity release has provided me with financial stability. I now have the opportunity to help my family, go on holiday, and make some home improvements. Mr W, East Sussex Your Guide to Equity Release Contents
More informationLANDLORD-TENANT AND OTHER REAL ESTATE ISSUES FOR MILITARY MEMBERS
I. Landlord Tenant LANDLORD-TENANT AND OTHER REAL ESTATE ISSUES FOR MILITARY MEMBERS A. Generally. As a member of the military, there are special laws that can have a substantial influence on your rights
More informationWhat is Life Cover? Ensure the financial survival of your business, in the event of the death of a key employee or director.
What is Life Cover? Life cover pays out a lump sum of money if the individual insured dies within a certain time period i.e. during the term of the policy. It is a lump sum and it can be used for a number
More informationMortgage Term Glossary
Mortgage Term Glossary Advance - The mortgage Loan. Adverse Credit - This is the term used if the borrower has suffered a poor credit history. This could include previous mortgage or loan arrears, CCJ's
More informationWHAT IS REPOSSESSION?
MORTGAGE STRESS This fact sheet is for information only. It is recommended that you get legal advice about your situation. This fact sheet should be read with the following fact sheets: 1. Fact Sheet:
More informationEquity release is one of the easiest ways to access capital without having to move out of your home.
1 Equity Release Equity release is a way of taking cash from your home without having to move out of your property or sell it. If you are a homeowner and aged 55 or over, you could release a tax-free lump
More informationProperty Management. Guide
Property Management Guide IMPORTANT NOTICE: The information contained within this book is designed to provide an overview of the considerations required for ownership of an investment property. Readers
More informationPersonal loans. How do personal loans work? Factsheet. August 2011
Factsheet August 2011 Thinking about taking out a personal loan to pay for something special, such as a holiday or car? Costs will vary depending on whether you take out a secured or unsecured loan, so
More informationHOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au
HOME LOAN GUIDE Call 1300 17 87 87 1ststreet.com.au CONTENTS FIND ALL YOU NEED TO KNOW 4 6 8 10 12 16 18 19 22 24 26 1st Street The Story Your 1st Street Mortgage Broker Lender Options The Plan Lenders
More informationHOW TO BUY A BUSINESS
HOW TO BUY A BUSINESS Buying a business is possibly the most important financial decision you will make. It may consume all your spare cash, cause you to borrow a significant sum of money, determine your
More informationMORTGAGE ADVICE YOU CAN DEPEND ON
MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and
More informationWhy Managed Funds Are One of Your Best Investment Options
Why Managed Funds Are One of Your Best Investment Options What Is A Managed Investment Fund and What are its Advantages? Managed funds are collective investments where a number of investors pool their
More informationLife and protection insurance explained
protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If
More information5 Interesting Facts about the Peer to Peer (P2P) Market
5 Interesting Facts about the Peer to Peer (P2P) Market 1 P2P is not crowdfunding PEER TO PEER LENDING CROWDFUNDING The practice of unrelated individuals or companies lending money directly to one another
More informationGuidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears
Guidance For use in the United Kingdom Letter regarding mortgage debt or arrears Contents Purpose of this document What can you do about mortgage arrears? Mortgage rescue schemes Selling your property
More informationSetting up and managing your rental
Setting up and managing your rental Once you have a plan in place and you ve narrowed down the types of property you might buy, it s time to think about finances, ownership structures and the way you ll
More informationYour Guide to Real Estate in an IRA
Louisville Realty Associates Robert Kelly 815 Walnut Street A Louisville, CO 80027 720-284-9211 www.louisvillerealtyassociates.com Your Guide to Real Estate in an IRA Information is provided by New Direction
More informationAn introduction to our Mortgage & Finance Broking service. We ll find the loan that s right for you
An introduction to our Mortgage & Finance Broking service We ll find the loan that s right for you We ve been helping Australians create secure financial futures since 1840 More than anything else, Australian
More informationFACT SHEET. Money matters. Paying bills
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
More informationGuide to Building Your Wealth. 1. What affects the value of money?
Guide to Building Your Wealth 1. What affects the value of money? Money has a tendency to lose its value over time because the price of goods and services usually goes up. This is called inflation. Here
More informationPartnering with you to buy your home or investment property. Finding the right loan, how much to borrow and approval steps
Partnering with you to buy your home or investment property Finding the right loan, how much to borrow and approval steps Contents 04 Finding the right loan 08 Saving and borrowing for your home 12 Five
More informationProperty Investor Handbook
Property Investor Handbook Welcome Whether you are one of the 1.7 million Australians who already own an investment property, or you are a first-time investor, this short guide will help you in making
More informationHome loans for Indigenous Australians
Home loans for Indigenous Australians Buying a home Buying a home is one of the most significant steps you can take. Owning your own home can give you and your family stability and security. Deciding if,
More informationwww.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance
for you and your business 1 People are important in my business As a business owner you know what you need to make your business a success. Suitable premises, machinery and your computer systems may all
More informationOur Services www.pembrokefinancial.co.uk
Independent Financial Advisers One less thing to worry about... A Guide to Our Services www.pembrokefinancial.co.uk About Our Services We are Independent Financial Advisers (IFA s) working in partnership
More informationANZ E*TRADE Share Investment Loan
ANZ E*TRADE Share Investment Loan Benefits at a glance Combine your money with a bank loan to increase your portfolio. Interest incurred on your loan may be tax-deductible. An optional diversified feature
More informationfor independent information mortgages made easy
for independent information mortgages made easy About us We are an independent watchdog set up by the Government to: regulate firms that provide financial services; and help you make informed decisions
More informationCIMA F3 Course Notes. Chapter 3. Short term finance
CIMA F3 Course Notes c Chapter 3 Short term finance Personal use only - not licensed for use on courses 31 1. Conservative, Aggressive and Matching strategies There are three over-riding approaches to
More informationIs your. potential? Right Strategy.
Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make
More informationHave Information to Make the Right Decisions!
Here's Your Free Report... How To Stop Foreclosure! Dear Homeowner, My name is Michael Riley. I am a Real Estate Investor and I can share with you the secrets to saving your home from foreclosure. I have
More informationWOMEN AND RISK MADE SIMPLE
WOMEN AND RISK MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING WOMEN AND RISK Risk is part of life. At home, at work, on the road, on holiday, you re at risk
More informationMy SMSF Property Services Guide
My SMSF Property Services Guide This guide is an important document which we recommend you read, when choosing any services provided by My SMSF Property. In it we highlight some important considerations,
More informationRELEVANT TO ACCA QUALIFICATION PAPER F9. Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam
RELEVANT TO ACCA QUALIFICATION PAPER F9 Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam Business finance Section E of the Paper F9, Financial Management syllabus deals with
More informationSMALL BUSINESS OWNER S HANDBOOK
SMALL BUSINESS OWNER S HANDBOOK PART II: FINANCIAL PLANNING FOR SMALL BUSINESSES Introduction Financial Planning Methods of Financing Your Business Other Types of Funds & Financing How to Approach Lenders
More informationLoan for property (Courtesy: Economic Times, apnaloan & apnapaisa, Accommodation times, i-save & others)
Loan for property (Courtesy: Economic Times, apnaloan & apnapaisa, Accommodation times, i-save & others) Frequently Asked Questions: Q. What are the steps involve in the process of loan & what fees it
More informationCommercial Property Investment Guide. Your guide to purchasing and managing a commercial investment property
Commercial Property Investment Guide Your guide to purchasing and managing a commercial investment property Contents Introduction 1 The benefits of commercial property investment 2 Why invest in property?
More informationRisk Profile Questionnaire
Risk Profile Questionnaire Full Name Address Suburb Province Postal Code Contact (M) (W/H) Email address Asset Manager Your attitude to Investing This Questionnaire aims to uncover your attitude to investing,
More informationComparative Tables 2013 2014
Comparative Tables 2013 2014 Frequently Asked Questions Frequently Asked Questions What do the tables show? The Comparative Tables present dispute statistics about financial services providers (FSPs) that
More informationMortgage advice you can depend on
Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to
More informationWant. to make. your. home. your. own? Find out if this could be the right time to consider buying. Your Right to Buy
Council or Housing Association tenants Want Your Right to Buy to make your home your own? Find out if this could be the right time to consider buying 1 Contents Why you might like to buy Why you might
More informationSaga Equity Release Advice Guide
Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,
More informationexploring the options
Information caveat The content of this presentation is provided for illustrative purposes only and is not intended to be used for individual investment or financial planning and does not constitute personal
More informationReverse Mortgage. by Jeffrey D. Smith
There are finance companies that are offering the "Reverse Mortgage" to seniors (at least age 62). Seniors with a substantial amount of equity in their residence are targets of this aggressive predatory
More informationLife Insurance made easy
Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in
More informationManaging your credit cards, scores and reports The do s and don ts
Managing your credit cards, scores and reports The do s and don ts Copyright 2012 Vicki Wusche Helping you to Make More Money From Property www.mmmfp.com Credit cards the do s and don t Introduction I
More informationSimple Guide to Life Insurance for Parents
Simple Guide to Life Insurance for Parents INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges
More informationFirst Home Property Buyer s Investing Guide Guide
First Home Property Buyer s Investing Guide Guide Contents Why invest in property?... 3 Choosing an investment property... 6 Choosing an investment loan... 7 Managing your investment... 9 Aussie is a trade
More informationThe RBF also licenses some credit institutions that provide personal loans (for education, travel etc), business loans, mortgages and vehicle loans.
Welcome again to the Public Awareness column provided by the Reserve Bank of Fiji (RBF). This month s article focuses on borrowing money and managing that credit. We also provide some issues you should
More informationFund guide. Prudence Bond Prudence Managed Investment Bond
Fund guide Prudence Bond Prudence Managed Investment Bond Introduction to this guide We know that choosing which fund may be best for you isn t easy there are many options and everyone is different so
More informationHow to STOP Foreclosure
1 How to STOP Foreclosure A Free Report from KentuckySolutions.com Kentucky s Real Estate Problem Solvers (Press Control-P to Print) 2 Introduction As Local Investors experienced in the Kentucky foreclosure
More informationGUIDE TO MAKING A CLAIM AGAINST THE PROPERTY SERVICES COMPENSATION FUND UNDER SECTION 173(2) OF THE PROPERTY, STOCK AND BUSINESS AGENTS ACT 2002
GUIDE TO MAKING A CLAIM AGAINST THE PROPERTY SERVICES COMPENSATION FUND UNDER SECTION 173(2) OF THE PROPERTY, STOCK AND BUSINESS AGENTS ACT 2002 Introduction A claim against the Property Services Compensation
More informationYour guide to conveyancing. The journey starts here. Minimise delays with our top tips. navigat r. a nudge in the right direction
Minimise delays with our top tips The journey starts here navigat r a nudge in the right direction Things you can do to help We know you want to move quickly. This guide highlights things you can do along
More informationSTREET CAPITAL FINANCIAL CORPORATION STREET CAPITAL HOLDINGS CORPORATION STREET CAPITAL MORTGAGE CORPORATION
STREET CAPITAL FINANCIAL CORPORATION STREET CAPITAL HOLDINGS CORPORATION STREET CAPITAL MORTGAGE CORPORATION (Collectively referred to as Street Capital) CONFLICT OF INTEREST AND MORTGAGE SUITABILITY POLICY
More informationYour step by step buy-to-let guide
Your step by step buy-to-let guide by The Frost Partnership First time buy-to-let? Need help choosing a property? Financing your property Legal advice Considering the costs Will I make any money? Choosing
More informationMortgages and Loans. Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967
Mortgages and Loans Huonville: 8/16 Main St, Huonville 7109 DX 70754, Huonville PO Box 239, Huonville 7109 Ph: 03 6264 2967 Hobart: Level 1, 18 Elizabeth St, Hobart 7000 DX 231, Hobart GPO Box 16, Hobart
More informationA TO Z OF BUYING A PROPERTY
A TO Z OF BUYING A PROPERTY It s My Home explains some of the different steps involved in the property buying process Buying your first home is one of the most exciting things you will do in your life,
More informationA guide to mortgages
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest
More informationfinancing your business
setting the whole thing up financing your business A solid financial base is essential when you are starting up a new business. The right financing package will carry you through any temporary difficulties
More informationStock Market for Beginners November 2013
Stock Market for Beginners November 2013 What is a share? If you own a share, you own a portion of a company. In the same way you can see your ownership of a company as a slice of pie, cut out of a bigger
More informationGetting started as an investor
Getting started as an investor A guide to investing with GO2 Welcome to GO2 BusinessLoans Thank you for considering the Go2 money market. We are confident that you will find some exciting businesses in
More informationKEY GUIDE. Setting up a new business
KEY GUIDE Setting up a new business The business idea You have a business idea, but can you turn it into a viable enterprise? Is there a market for the goods you will produce or the services you will supply?
More informationfunds KEY This is an important document. Please keep it safe for future reference.
SELECT PORTFOLIO bond (wealth managers) funds KEY FEATURES. This is an important document. Please keep it safe for future reference. SELECT PORTFOLIO BOND (wealth managers) FUNDS KEY FEATURES 2 WHAT ARE
More informationThe five-step plan to a better retirement. A step by step guide to organising your finances
The five-step plan to a better retirement A step by step guide to organising your finances This is one of the biggest financial decisions you ll make so it s important to get it right. At Fidelity we strongly
More informationProvided free by Topcashoffer.co.uk
Provided free by Topcashoffer.co.uk So you are thinking about selling your house, and at this stage have probably tried your local estate agent and failed; or you ve made a decision that the local estate
More informationWANT TO MAKE YOUR HOME YOUR OWN?
WANT TO MAKE YOUR HOME YOUR OWN? 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could you get?
More informationFederal Reserve Monetary Policy
Federal Reserve Monetary Policy To prevent recession, earlier this decade the Federal Reserve s monetary policy pushed down the short-term interest rate to just 1%, the lowest level for many decades. Long-term
More informationWANT TO MAKE YOUR HOME YOUR OWN?
WANT TO MAKE YOUR HOME YOUR OWN? July 2015 1 Your Right to to Buy Buy FOR COUNCIL AND HOUSING ASSOCIATION TENANTS CONTENTS 3 Why you might like to buy 4 Do you have the Right to Buy? 6 What discount could
More information