Get Your Free Property Investment Consultation Worth $399

Discover the Proven Strategies That Our Clients Are Using to Increase Your Wealth In The Shortest Time Possible While Paying The Least Amount Of Tax On Your Personal Earnings.

WARNING: If you have ever wanted to buy an investment property or you are thinking of expanding your existing property investment portfolio, don’t do anything until you read this.

Why? Because our team has over ten years of experience in property investing. In fact, I personally have grown my portfolio from nothing in 1999 to now over $7M. You’ll learn these same secrets that could rapidly increase your personal wealth while minimizing the tax that you pay.

Call us now on 1300 86 84 82 for your free consult and you’ll walk away knowing:

• How to minimise your mortgage repayments
• How to ensure you are only paying the minimum amount of tax that you legally must pay
• The three ways to assess whether a property is a good investment
• How to convert your personal debt into a tax deductible expense, allowing you to increase your personal cashflow.

As an additional bonus, you will also walk away with a concrete plan of how to achieve your financial goals, taking the stress out of investing.

Right now, we can only give away 7 of these Property Investment Consultations worth $399 for free so hurry. Pick up the phone and call 1300 86 84 82 or email enquiries@votiva.com.au now and let us know how we can contact you to arrange your FREE consultation. You'll be glad you did.

To growing your wealth,

Karen Anderson

PS: The property market is definitely starting to show signs of turning the corner. Make sure you are correctly positioned to take advantage of the next property boom. Call my team now on 1300 86 84 82 now.

Interest rates predicted to increase! What does that mean for investors?

Rpdata.com national research director Tim Lawless said on Friday that it’s likely that when the RBA meet again in October, an increase in interest rates will be imminent. Mr Lawless attributes his predictions to a strong and growing property market and improving economic conditions.

While the RBA this week announced that interest rates would remain static for another month, Mr Lawless said it is now becoming more apparent that the next move in rates is almost certain to be an upwards one. And, he’s not alone with many economists also predicting an official rate rise as early as next month.

However, it is not all doom and gloom for all. Many of our clients are building wealth by using Votiva’s customised strategies which include mortgage reduction, debt conversion and wealth creation. By having our strategy in place any interest rate movement will have little, or if any, impact on their overall result. If that sounds interesting to you (and you are from Australia) then you might want to take advantage of our FREE Property Investment Consultation worth $399. Just email me at karenanderson@votiva.com.au.

The question to be asked is how can our clients achieve such success and peace of mind with their investing! If you email me, I can give you the full details but to give you a little taste, one of the key things we do to help you with your property investment is we show you how to maximise the tax benefits that flow from your investment. So if you are on a variable rate loan and rates go up, you will pay more interest, BUT you will also be able to claim more back through you tax benefits. So if interest rates are low, cashflow is great. If interest rates rise, you get more from the tax man. Either way, you win! If you would like further information, please email me at karenanderson@votiva.com.au

Remember that property investment is a long term strategy and that interest rates will rise and fall through the life of the investment. So interest rates in and of themselves should not be the sole factor in determining whether you should invest in property or not.

RBA Governor Predicts Interest Rate Rise - Should People Be Staying Away From Investing In Property?

We have seen a substantial change in the market since the beginning of July. Properties are selling much faster and are achieving better prices than before.

Being able to borrow money is still much more difficult than it has been in previous years. Although rates have dropped and most lenders are selling standard variable rate products between 5.1% - 5.7% the qualifying rate most lenders are using is around 8% - 8.3%. The loan repayments are then set at the lower selling rate however if rates increase the borrower should still be able to afford the loan repayments based on the test done at the higher qualifying rate.

Don’t assume though as a borrower that if the lender approves your loan that you can afford it. Do a proper budget to establish whether you have the cash flow to fund all the expenses as the lenders do not run a cash flow test – remember they are not asking you for a detailed budget.
Rates going up and down don’t affect property investors as much as they do home owners. A property investor has a rental income and then a loan to service however they also get to claim all their expenses and offset any shortfall against the tax they pay on their personal income. As interest rates go up their tax rebates increase and when rates come down their tax rebates decrease so from a cash flow perspective it doesn’t make a huge difference unless they have no taxable income.

Traditionally when property prices are on the increase rents tend to plateau and when prices plateau rents tend to be increasing. Higher interest rates and rent increases tend to be in the same cycle which assists with the increased loan payments. Lower interest rates and capital growth tend to be in the same cycle.

We have just been through a slow capital growth high rental growth period. Rents appear to have peaked and are now consolidating and prices appear to be moving so it appears as though history is repeating itself despite the so called “global financial crisis” which now seems to have bypassed Australia.

For home owners I believe it’s a very good time to buy because rates are low – pay as much extra as you can into your mortgage so that when rates go up you have buffered yourself against the rise. Also ensure you can afford a loan repayment at 7.5% because this is possibly where rates will settle over a few years.

For investors leverage as much as you can – however do detailed cash flow projections to ensure you can fund all property related expenses and still have a life even when interest rates go back up.

Over the past 11 years, my company Votiva has assisted hundreds of families build their wealth through investment property. We require our clients to do a thorough budget and we assist with cash flow projections prior to purchases to ensure they are not going to get into financial difficulty if the market changes.

Most of our clients have multiple investment properties and have never been at risk of defaulting on their loans because we thoroughly tested our client’s cash flow position prior to them borrowing. By doing this our clients have total peace of mind with their cash flow and a solid plan to follow. In our opinion it’s the only way people should be borrowing money. The last thing you want is for property investing to be stressful. It is also important to build in buffers so that if you were to lose your job you have time to find another without defaulting on your loans.

So with the Governor talking predicting home loans to rise, what should we do? Well, I believe we should be buying property right now and there are a number of great opportunities in the market. However, as I mention, please make sure you do your cashflow projections and have built in buffers. If you invest strategically starting now, you could easily set yourself up for a great future.

If you would like to invest in property and want to find out more about how to do so with your current financial status, please contact me at enquiries@votiva.com.au for a free consultation.

Has the Property Market Reached a Bottom?

Interest rates are currently at a 49 year low and real estate agents are reporting higher and higher levels of enquiry. Buying activity has also been reported to be on the increase so the question to be asked is, “Is this the right time to be re-entering the property market?”

Well, with First Home Buyer activity starting to slow due to the government’s additional First Home Owner Grant about to expire, I think now is the time for investors to re-enter the market. Yes, we will need to be cautious as there is still some economic uncertainty but the worst is definitely behind us, as can be seen in the renewed strengths of the global and local share markets.

NSW has seen one of the longest property price stagnations in history so there are definitely some bargains to be had, although investing in property is a long term strategy. In South East Queensland, the strong population growth will eventually give rise to a shortage of supply as available properties are snapped up. As we know, anywhere where there is a shortage of supply and excess of demand, prices must rise.

Yes, there is currently an oversupply of rentals but if you are looking at the long term and current property trends, it is quite likely that this oversupply will be filled very quickly. So now could be the time to snap some great bargains with the mindset of investing for the future.

My belief is that there has never been a better time to invest in property – the four factors of the strengthening economy, massive government infrastructure spending, record low interest rates and improving market confidence I believe will form a perfect storm and we will see property prices start to rise once again. I am looking forward to scouting some great bargains right now and you might want to consider the same. Remember, as always, when investing in property, make sure you get some good advice and buy the right property for you – the one that makes sense for your current financial position and your long term goals.

Why Putting More Into Your Superannuation is A Poor Choice If You Want To Retire In Style!

The changes to superannuation contributions have caused a bit of a stir amongst Baby Boomers who realise they need to do something quite substantial now to ensure they have sufficient wealth to support their lifestyle in retirement. This segment of the population enjoys buying toys and having great holidays on a regular basis. After having done all sorts of calculations for a number of our clients who have made enquiries regarding additional superannuation contributions, it has become very obvious that this is not the best approach for most people.


The biggest negatives against putting money into superannuation are:

1. You cannot access the funds if you choose to take an early retirement

2. You are not able to leverage off these funds.


As I'm sure you have heard, the secret to creating a substantial amount of wealth is LEVERAGE – using someone else’s money to create more for you. In my experience over the past 10 years as a Financial Adviser, I've seen too many recommendations made to clients from a tax minimisation perspective rather than from a wealth creation perspective. Many clients purchase investments that are hurting them because they were advised to buy in order to minimize their taxes. Ultimately any investment strategy should be to increase your wealth - after all, isn't that why you are investing in the first place? Tax minimisation should only be a secondary motivation.

In my opinion property is still, and probably always will be, the safest place to invest your money. It would also have to be one of the most tax effective investments in Australia. Many of my clients are paying less than 15% tax on their entire income, while increasing their wealth.


Property is definitely the tool that provides the most leveragability as in many cases you can borrow 100% of the purchase price plus all the costs depending on your financial circumstances. Our personal strategy for retirement was to acquire a number of properties over a period of time, pay off as much of the debt as possible and then retire off the capital growth.


Many people still believe they would need to sell the property to access their wealth in retirement, which is absolutely not the case. If you structure your finances correctly and acquire properties that suit your financial profile and then give them time to grow, you will be able to take an early retirement and draw a tax free income each year from your property portfolio for the rest of your life.


So when this sounds so exciting, what stops people from taking this approach? Very simply it's fear, which comes from a lack of understanding. Once people understand how to structure their finances correctly and acquire properties that suit their financial profile, they do it as long as they have the courage to make a decision.


Besides fear, the next biggest hurdle is complacency – a disease that is crippling Australians and will have at least half the population living in extreme poverty in retirement.


So I hope I have jolted you enough to have a look at your finances, especially if you are a baby boomer. You may find your options for your future limited if your sole wealth creation strategy is to make additional contributions to superannuation. Instead, why not look at property investment as a strategy and get some real estate investing information - you might be pleasantly surprised at how a simple restructure of your finances could result in a far more significant wealth for yourself, perhaps even now and then for your future.


If you liked this article or have any questions, please leave me a comment below. I'd love to hear what you thought and also what your strategies for wealth creation are. Also, please share this article on Twitter, Digg, Delicious and Stumbleupon - I'd really appreciate it :-)