Your Results

Your Results

Do you want to be financially independent?

Why Invest?

According to a report by the Australian Bureau of Statistics (ABS), only 4% of Australians live to be financially independent by age 65. For every 100 people:

  • 63 are on government welfare
  • 29 are deceased
  • 4 are still working
  • 3 are financially independent
  • 1 is wealthy

Most people are in the workforce for 45 years (aged 20-65). The decisions which we make during these years will determine what like looks like beyond age 65.


Do you want to join the 4% (financially independent)?

Remember, a debt free family home doesn’t produce income. How will you pay for utilities, food, transport, entertainment, and holidays. Superannuation will be nowhere near enough to replace the income required to live life on your terms. A “rule of thumb” formula for calculating the size which your investment portfolio (net of all liabilities) needs to be is to multiply the required income stream you want by 20. For example:

Required income (debt free) x 20 = Investment portfolio value (net of liabilities)
$80,000 pa x 20 = $1,600,000 **

** This figure excludes the value of your family home, and does not take in to account inflation.

Some Of Your Results

  • Purchases

    $200,000+ Depreciation!

    - by Euan Rose

    Over $200,000 worth of depreciation on a property more than 10 years old!!! Representing 49% value of the home.

    Deciding to invest in property should never be made based solely on tax benefits. This depreciation outcome however is like this is cream on top at the end of a really great transaction.

    This very neat and tidy property is located in an exciting diverse location, and was purchased for only $429,000 (more than $20,000 under vendors original price expectations).

    Our clients Robbie and Danielle have just received their independent Tax Depreciation Schedule which confirms there is still $210,461 worth of depreciation available to claim in the property. And add an impressive 5% rental yield! What a great start to Robbie and Danielle’s Investment journey!

    Congratulations again Robbie and Danielle!

  • Purchases

    2 Years Of Hard Work

    - by Bryan Loughnan

    Our Buyers Agents Bryan Loughnan & Euan Rose continually invest a lot of time and effort building rapport with sales agents in locations Australia-wide. By committing to this, they are giving themselves every opportunity to secure the best properties at the best prices for our clients.

    Recently, with a property market continuing to tighten with increased buyer activity in this particular regional location, Euan has spent a lot of time emphasising to local sales agents how smooth a transaction will be when they deal with a licensed professional like himself rather than a DIY who walks in off the street. Furthermore, reminding them that our clients are astute investors, who are ready to buy!!!

    Thanks to this ongoing relationship building, this particular property was brought directly to Euan’s attention before the property being formally marketed for sale – no one else knew about it! The vendors were interested in a seamless sales process and keen to avoid open homes, and excessive marketing costs should they have taken it to the open market.

    Adding a healthy rental yield of 5.6% to an already exceptionally well negotiated purchase price, we consider this to be an exceptional outcome!

    We look forward to working with Anthony, a long term PROPERTYOLOGY client, over the coming years as we continue to implement his Strategic Property Investment Plan. Following a structured investment plan which has been created by a tertiary qualified Property Investment Advisor, will allow Anthony to acquire a portfolio of no less than 5 properties over the next 15 years.

  • Purchases

    Don’t Fall Into The DIY Trap!

    - by Euan Rose

    Propertyology have assisted Lee and Linda purchase 3 properties in just over 18 months. Including their family home, they now own 4 properties, in 4 different locations (each with different economic industry drivers), across 3 different states.

    Unfortunately for the vendors of this particular property, when they purchased, only a couple of years ago, they fell into the trap that many DIY purchases do. They became emotional and over paid for the property. So much so, that in a market which has moved over 6% in the last couple of years, our Buyers Agent Euan Rose, was able to secure this fully renovated low maintenance home for less than what the vendors paid for it, and over $15,000 under the vendors expectations!!

    Lee and Linda are now the proud owners of a very diversified property portfolio!

    Even with settlement on this third purchase having been completed recently, Lee and Linda are already discussing options with their broker to obtain pre-approval for another property this year.

    Congratulations again on behalf of the entire team and we look forward to working closely with you again in the very near future Lee and Linda.

  • Purchases

    Don’t Let Being Busy Stop You Investing

    - by Euan Rose

    Laura, an experienced investor from Coastal Qld approached us after realising a busy work and personal schedule was hampering her ability to secure a great investment opportunity.

    This particular property is situated in a the capital city of a completely different state to other properties she already owns. Investing is about making money, however securing this property truly diversifies her portfolio with exposure to a different state government and their specific economy and exposure to different industry drivers. Just the same way an astute share investor would look to diversify their portfolio!

    Laura, by her own admission, would have been unlikely to give this location a second thought had she not sought the advice of a professional property research team. A team that analyses property markets Australia-wide and has absolutely no vested interest other than our client’s best interest!

    Subsequent to this recent settlement, Laura has already engaged our services and the search has already begun for another property in yet another exciting (and completely different) location!

    Congratulations again on behalf of the entire Propertyology team Laura!

  • Purchases

    Why Us? Our Research, Professionalism, Confidence & Communication.

    - by Euan Rose

    Propertyology’s Buyers Agent Euan Rose recently secured this well presented, easy care house for a very affordable $351,000 for first time Propertyology client, Wade. Working in a high stress, time consuming upper management role, Wade was comforted by the fact that, the team at Propertyology held his hand through the whole process by organising all important matters on his behalf.

    “I wanted to reach out to thank you all for your assistance in the recent purchase. After being recommended to you I have appreciated your level of professionalism, confidence in your product and once signed on your communication has been to a great level. I am certain to recommend you to others and look forward to engaging with you in the near future as I look to expand my portfolio” – Wade (Queensland based investor)

  • Purchases

    Fire! Sound The Alarm Or Maybe Not???

    - by Euan Rose

    Recently, our Buyers Agent Euan Rose successfully negotiated the purchase of a low maintenance 3-bedroom, 1-bathroom brick home on behalf of first time Propertyology client Graham, for only $260,000.

    During negotiations, Euan sensed that whilst the vendors were keen to sell, there was certainly a degree of hesitation. Further discussions revealed that the vendor was actually pregnant with twins and to date, had not been successful in securing their next family home. Clear thinking allowed Euan to raise the option of the vendors renting the property back and not having to move until such time as they were lucky enough to find their perfect family home. The vendors were extremely happy with this outcome and a rent back of $280 per week (5.6% yield) from the day of settlement was very appealing to our investor client Graham as well.

    As with any transaction, immediately after negotiations were finalised, our team jumped into action to assist with all things due diligence. Including liaising with conveyancers, property managers and arranging the necessary building inspections. Whilst reviewing the associated reports for this particular property, it was noted that the local independent building inspector had made comments in respect of what appeared to be smoke damage from a previous fire at the property. This alone could easily have caused a ‘DIY’ buyer to terminate the contract with no further questions asked. After obtaining additional information and determining that the fire damage noted was not structural or significant in nature, our Buyer’s Agent Euan Rose worked closely with our astute client, to consider all the available options. In the end, Euan was successful in negotiating a significant amount of work to be carried at the vendors expense prior to settlement.

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Self-Managed Super Funds (SMSF)

More than one million Australians are now members of a SMSF; it has fast become the largest component of Australia’s superannuation sector. Arguably the biggest attraction to setting up a SMSF is the desire to be active with retirement decisions and greater control. More and more SMSF’s are investing in direct property. If you are a trustee of an SMSF and looking to engage a professional to assist with residential property asset selection, PROPERTYOLOGY may be able to assist you.


 

The primary difference between having a SMSF and a more traditional (retail or industry) fund is control over the investment decision. Legislation changes in 2007 made it possible for SMSF’s to borrow money so that they could take advantage of the Power Of Leveraging and invest in more valuable assets such as property (refer illustration to the left).

So, it is possible to now combine some of your SMSF capital with a bank loan and buy an investment property. Once your SMSF has purchased the property, the costs associated with paying off the loan and holding the property is funded by rental income and your employer superannuation contributions.

The Australian Taxation Office describes an SMSF as “… a private superannuation fund you manage yourself, regulated by the Asutralian Taxation Office. SMSF’s can have up to four members. All members must be trustees (or directors if there is a corporate trustee) and are responsible for decisions made about the fund. If you have an SMSF, you are responsible for managing it and complying with all releant laws. SMSF’s are a legal tax structure with the sole purpose of providing for you retirement”. For more information from the ATO …

http://www.moneysmart.gov.au/superannuation-and-retirement/self/managed-super-fund-smsf

SMSF is a complicated topic with specific considerations needed in respect to general retirement planing, taxation, legal structures, loan and financial structures, investment strategy, compliance and insurances.
PROPERTYOLOGY is not a licensed superannuation advisor. Trustees of SMSF’s may see value in appointing PROPERTYOLOGY for assistance with asset selection. Other members of our team are qualified to assist clients with loans for SMSF’s.

In other words, it is possible to buy an investment property through superannuation without using any of the equity in your personal assets, without tying up your family home, and without any input whatsoever from your household budget. It’s not hard to understand why there has been so much growth in SMSF’s.

Regrettably, too many people with SMSF’s still adopt an amateurish investment selection process and end up placing their hard-earned superannuation in to poor performing assets. It’s still important for the SMSF to invest wisely and this is where PROPERTYOLOGY can help you.

There are limitations, restrictions, and risks associated with buying property within a SMSF. A simple comparison:


  • For me it's a no brainer.

    The properties pay for themselves and their value is steadily increasing. It's not a hard decision; that's why I'm going to buy more. I have properties in multiple states. They range from close to the city, in the suburbs, and in large multi‐industry regions. Investing in property is not nearly as scary as investing in shares, or scarier still, doing nothing. A house is always going to have value. You are never going to wake up one morning and have your house be worthless over night.

    Glen Hunt (Sydney‐based accountant).

  • There is no substitute for the service that Propertyology provides

    "There is no substitute for the service that Propertyology provides because we would never have the time or expertise to confidently buy a property in a location with the highest potential for growth if it wasn't in our own locality. This severely limits your growth potential if you live in Sydney. Their depth of research has given us the confidence to buy properties without feeling the need to see them beforehand. Providing more than just facts and figures, the interviews with community stakeholders make the prospect of investing in those locations exciting as we hear the enthusiasm and optimism coming from the local residents."

    Lily & Alvin, Sydney

  • PROPERTYOLOGY are professional & ahead of the game

    "The PROPERTYOLOGY backroom staff is always on top of looming settlement deadlines, and provide timely prompts to action. This is ideal as life & work often have a habit of getting in the way, so we never need to worry about forgetting a deadline... We have and will continue to use PROPERTYOLOGY because they are professional in their dealings and ahead of the game".

    Glen and Sue, Cranebook, NSW

  • They've definitely saved me money

    Propertyology are professional in their dealings and they help source local professionals to carry out pest and building, property management etc... Simon doesn't follow the herd, so they [Propertyology] are not going to put you in to somewhere risky like Sydney at the end of its boom. They have got me in to good areas that I wouldn't have thought of, and they have definitely saved me money with their research and price negotiation skills.

    Glen Hunt (Sydney‐based accountant).

  • Very impressed with PROPERTYOLOGY’s market knowledge

    “We have been very impressed with PROPERTYOLOGY’s market knowledge as they have identified areas with terrific growth drivers before anybody else even notices them, and certainly before the markets in those areas heat up. They really focus on uncovering opportunities that others don’t yet see”.

    Glen & Sue, Cranebrook, NSW

  • There is just no substitute for his research and analysis

    "Working with Simon from abroad (France) made investing simple, easy and most importantly stress free. Buying property can be a daunting experience at the best of times and it is only after working with Simon that I realised how little homework I did to ensure I had a sound investment even when I was based in Australia… There is just no substitute for the research and analysis he brings to the table."

    James Matthews, France

  • It has been an absolute delight in working with Propertyology!

    By nature I like to be in control, so determining that the right path was for us to buy a decision-maker to enable this process was quite difficult... The coordination of all the activities involved and the network of services and people that you put us in touch with (ie, the conveyancer, property agent etc) was seamless from the beginning to the end.This is the part of your service that I value the most... I have no hesitation in recommending your service."

    Teri & Matt, Sydney

  • We were extremely happy with the outcomes Simon negotiated

    Having bought and sold a few family homes over the years we thought we were relatively astute investors... We could see the significant research which Simon puts in to selecting properties in a mixed bag of locations to ensure a balanced and varied portfolio... We were extremely happy with the outcomes Simon negotiated on the properties we did buy. All of our properties are performing very well."

    Bryan & Melinda P, Brisbane

Propertyology are Australia’s most respected Buyer’s Agents, not just analysts.


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