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3 Levels in the Heart of the city

222Location second to none.A stunning contemporary 3-level terrace home at the height of design sophistication. Each room has natural light enhancement, creating plenty of flexibility for the evolving needs of the modern life. The design allows for full-floor living...

The South East Qld Market, What’s Driving it?

At the start of the year, many ‘experts’ were making the point that growth in SEQ would slow from the 20+% figures we saw last year, to around 10%. Even back then, I begged to differ. I still beg to differ. Why?   Let’s have a look at three big factors driving...

Multiple Offers on YOUR Property!

 What happens when you’ve found ‘the one’? No, not your future wife or husband, but the place that you could call home? This is the property that made those 37 weekends of endless trudging around the open home circuit worthwhile. No weekend BBQs for ages, no...

Welcome to 2017…aahhh…2022

Where are you now? Have you moved forward to 2022 or are you still back in 2017?Another new year, more goals, another birthday this year and for some dreams coming true, yet for others, dreams still on hold and consigned to the New Years resolution list……..again. So,...

You Heard It Here First

You Heard it here only a few months ago!     For the last few months our good friends (not), the banks, have been slowly pushing up the rates on fixed term loans and yes, you guessed it, all the other rates will probably follow in the very near future....

How Busy Has It Been?

Wow! Has this year been super busy or what? Who would have thought that we would see a market like this in our lifetime and especially riding the back of a global pandemic? As far as property searches go, some people are just “over it!”.Having said that, there are the...

Do You Buy Now or Drop Your Standards Later?

Choices are getting difficult.For the moment at least, choices are getting harder to make. If you’re trying to keep up with property prices by working harder and saving more, you’re currently fighting a losing battle. Right now, you’d be flat out keeping pace let...

If It Ain’t Broke, Don’t Fix It

This age old saying in the vernacular also works with mortgages. But why? Fixed interest rates on a home loan are often higher than variable rates, but it’s all dependant on the global bond market. Fixed rates are funded by the global bond markets, meaning the bank...

Why Haven’t Prices Plummeted?

We’ve got Covid, a recession and had lockdown all over the place, but property remains strong and seemingly getting stronger?We all remember the dire predictions in the press this time last year with most property pundits espousing everything up to a total collapse of...

How Many Property Booms Have You Missed So Far?

You can count them on this graph.Personally, I haven’t missed any since 1998. Can you guess why that is? The reason is because I bought my first property in 1998, so I’ve had my toe in the water ever since then. Sure, there have been a couple of slower periods in that...
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Home Ownership

This is the most common investment strategy in Australia. The great Australian dream. Most Australians aspire to own their own home. This strategy is simply one to buy and hold a property that you live in and very likely raise your family in.

Home ownership holds capital gains tax advantages in that capital gains, which is very significant on investment properties, is not applied to your principle place of residence. When you sell it, you don’t pay tax Capital Gains Tax on it. Further benefits include the ability to gradually renovate and improve the property at you own leisure to add, and enjoy yourself, value over time in addition to the fact that the property will also highly likely increase in value over time.

This strategy can still be used to enter the property market. Many start off by paying off their own home, or a part thereof, then leverage the equity to branch out into investment properties. You use the equity in your own home to buy others.

IMPORTANT: Be sure to execute this properly via your finance people so that you don’t adversely affect the mortgage on your own home.

Home Ownership

Buy and Hold

Negative Gearing

Positive Gearing

Renovation or Flipping

Passive Property Development

Active Property Development

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