Partners

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Buyer's Agent

Dilleen Property is Australia's Leading full-service Property Investment Buyers Agency. As a Buyers Agency, Dilleen Property guides you to financial freedom through strategic property Investing.

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Property Management

Dilleen Realty Property Management specialises in superior property management for savvy property investors and is an integral part of the Dilleen Property Group.

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Investment Manager

At Sequoia Asset Management we pride ourselves on giving up-to-date general financial advice to all Australians across a wide range of financial instruments.Whether you're beginning your investment journey, or are a seasoned wholesale investor, Sequoia AM has the right advice to help back your chosen investment pathway.

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Chartered Accountants

LR Advisers is an accounting and tax business based in Sydney. founded in 2015. Our goal is to provide you with the best solution and create value for you. We do this by listening to your unique situation and needs and providing a tailored accounting, tax or advisory solution for you.

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Depreciation Reports

An MCG Quantity Surveyors tax depreciation schedule is the best way to maximise your depreciation entitlements.

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Landlord Insurance

Terri Scheer is australia’s Leading Landlord Insurance Specialist.

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SMSF Advice

C2 Specialist Investments is a leading issuer of Structured Investments in Australia. Partner with a highly experienced team that is focused on developing a range of structured investments for Australian investors.

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Commercial & Business Finance

Utilise Finlease for your Commercial, Business & Equipment Finance Needs.

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Insurance

At Matos, we know that insurance only matters when you need it. We know that fine print and policy details are the last thing you want to read. We will save you time, worry and money by finding the best insurance policy for your needs, by comparing the market, reading the fine print and managing your claims when you make them. Our line of work is all about curve-balls. Throw one our way, and be confident we have the knowledge and experience to handle it.

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Tax

Maximise your cash refund with Duo Tax and click one of the below to get started. Property Tax Depreciation Schedules, by investors, for investors.Picker Financial Solutions Depreciation/Property Valuation Start Form https://duotax.com.au/forms/start/?rid=001Om000006qltrPicker Financial Solutions Insurance Start Form https://duoinsurance.com.au/start/?rid=001Om000006qltr

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Legal Solicitors

Fazzini Lawyers & Consultants

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Sarah Stokes

Steve from PFS is a delight to work with and makes things easy to understand.

NL

Nathan Lomas

Don't even think about using another broker. The Picker team are the GOATS!

CB

Chad Barling

Been great help, quick and easy process in buying my first investment property

Frequently Asked Questions

How much can you afford?

The first thing we will do is work out your borrowing potential. You may have a dream home in mind but first you need to know if you can afford it. There are many factors that will influence your decision around what to buy and where – proximity to work and family and your stage of life are just a few – but the single biggest decider is nearly always what you can afford. It’s really a case of looking at the big picture and working your way back from there. Consider your household income and what you realistically can afford in loan repayments, taking into account all of your expenses (even coffees and lunches). As a guide a mortgage calculator can be a great place to start, but it won’t take into account all of your personal circumstances or eligibility for a loan. Talking to us will give you a much more accurate idea of what you can afford. We can look to obtain pre approval from a lender so you can put an offer on a home when you find the one you like. Of course, even with a pre approval a subject to finance clause is an important protection.

Why not go straight to a bank?

Of course you can go to a bank, but this can be trickier than it sounds. Firstly, which one do you choose? Which of their products is right for you? And what about other lenders, building societies and credit unions? Australia is indeed the lucky country. We are blessed for choice when it comes to the amount of competition that exists when it comes to the mortgage market. With so many lenders, and so many products under each of their brands, it’s important you make the most of this regarding who and what you choose when it comes to your home loan. There are a lot of options out there and, with regularly moving interest rates and new products, it’s an ever-changing market. And let’s not forget that if you’re a first homebuyer, you’re probably very new to this. That’s why a broker makes sense. We do this everyday. We know the lenders, their products and policies and we keep up-to-date with changes. We help choose what’s right for you. Banks enjoy working with brokers, as we do a lot of the banks’ work for them and making their jobs much easier and may help speed up the application process and get you the top-notch customer service you deserve. In the simplest terms, having a broker in your corner makes finding the right loan easier and can save you time and, hopefully, money.

Do you know how well your current loan stacks up?

Things change, and chances are since you got your home loan interest rates may have moved, and life has too. Has the official cash rate changed since your current loan settled? Has the rate your lender is charging you changed? What about the fees and charges? Chances are the market has changed too. New products designed to attract borrowers are always being introduced, and lending appetites are an ever moving feast. Let’s not forget that things have probably changed in your life too since you took out the mortgage. Your income may have changed, and your expenses probably have too - your financial goals could also be different. Even though most loans are around 30 years in length, you may be surprised to hear that Australians often change their home loan every 4-5 years as they refinance. Refinancing is a chance to look at what’s out there and to check to see whether your current loan is still the right one for you. If it’s not, it may be time to refinance. If you are looking to switch, this guide contains some of the key things you may want to consider.

Why do people invest in property?

Over the last few decades, the values of some properties have often risen more than the rate of inflation. Some say property ownership is a national obsession, with affordability issues, house prices, and interest rate movements constantly in the news. Apart from a common general understanding of the market, there are other reasons people like to invest in property. Some common ones being the potential for capital growth (how much the property rises in value over time), return from rent, and tax benefits. You’ll find more about these over the next few pages. Another plus is you don’t need to be a long time investor with lots of funds on hand to start investing. If you already own a home that’s increased in value, you can potentially unlock this equity to help purchase another property. Or, if you’ve yet to buy your own home you can use the rent to help pay the mortgage on an investment property and get a start in the market.

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