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Catherines Chat

Wholistic Financial Solutions provides a lot of essential information and updates regarding the property investment industry. Check this page for the updates.

Property Investment Articles

Monday, March 07, 2011

This article describes the seventh strategy of nine property investment strategies.

Download the full report at

Strategy 7 – Refresh your portfolio

Sometimes it is necessary to ‘go back to the drawing board’. You may have a portfolio that is not quite right. You may have had good intentions, theories, dreams or hunches when you bought particular properties but looking back you realize you made a mistake. But that’s OK. As they say, “There is no such thing as failure unless you fail to get back up again.” The successful man is one who fails four times but gets back up five times.

There are times when the best thing to do is sell – count your losses and move on.

Other times you may need to sell because you did not seek the right advice in the first place and you have the wrong loan in place or have bought in the wrong name.

 “A common example we see regularly is the client who has bought a home and done ‘what their parents always told them’ and focused on paying down the mortgage. Now they want to upgrade and rent this property out. Bad news- the reduced loan amount means the property is positive geared and they will be taxed on the excess of rent over interest.  Worse still, they will have to take out a large loan to buy their ‘home’ and this will be a non-tax deductible debt.

Another common example is the couple who has brought an investment property in joint names. A few years later the wife leaves work to raise a family and half of the negative gearing benefit is lost.”

 There are some very innovative strategies that can assist in these situations but sssssh…! These are a secret only to be shared amongst the elite investors (or clients of

Download the full report at

Why use a Mortgage Broker

Monday, March 07, 2011
“How to be confident that you have found the right loan and structure so that you can meet long-term financial goals and avoid serious costs – potentially saving 1000’s of dollars in long-term exit fees and interest rates”

“Finding the right loan to meet your needs can be a very daunting task. With so many lenders to choose from and so many products within each lender, it is almost impossible for the average person or investor to sort between the products (including all the fine print). It is important that you are sure the finance you are choosing is the best one for your circumstances.’

We like to use the example of buying a car.

If you walk into a Ford car yard and describe all of the features you want in a car and the salesperson thinks to themselves, “Gee, the latest Holden Statesmen would be the best,”– will he tell you that? No! He will convince you that the latest Ford something-or-other meets your needs. It’s the same with the banks. If you walk into a bank, any bank, you will only be sold that bank’s products.

We would recommend that everyone who wants to take out a mortgage should use the valuable services of a mortgage broker. Whether you are buying your first home or investment property or whether you are building a huge investment portfolio you should consult a mortgage broker. The advantages of using a broker are twofold. Firstly, it is free – the bank pays the broker the commission – and secondly, the broker is aligned to scores of banks and will find the best for you. It is in the broker’s interest to find the best product because they want your continued business.

Brokers have access to over 30 banks and lending institutions, including all of the majors (CBA, St George, NAB, Westpac, etc) and many popular smaller and non-bank lenders (ING, Bankwest, Rams, Suncorp, etc). Mortgage brokers will help you find your way through the complex maze of product choices and help you decide the best one for you. Everyone’s situation is different and different products suit different circumstances.

Mortgage brokers also assist you with all of the paperwork, submit the loan, handle all the bank’s annoying questions, co-ordinate the process with your solicitor and real estate agent and basically take all the stress and pressure from you. They’ll ‘hold your hand’ the whole way through and deal with any complications that may arise.

Mortgage Brokers: pros –
·       May save you time in shopping for loans.
·       May save money if fully independent.
·      Usually free.
·      Sometimes, given the broker-lender relationship, a bank will accept a loan application that they would otherwise have rejected.

Mortgage Brokers: cons –
·       You may pay more for your loan than necessary if the broker is not independent.
·      They may charge excessive fees or undisclosed commissions.
·       You may be persuaded to borrow more than you need, as this will boost their commission.

The cons can be easily overcome by using a broker aligned with Wholistic Financial Solutions as we ensure our brokers do are fully accredited, trained and ethically in all regards.

So, once you have chosen a product how can you be sure the ‘structure’ is right?

“It is very important to get the ‘right finance’ right from the start but it is also just as important to get the ‘structure’ right. It can be very costly, frustrating and time-consuming to act hastily and rush the finance part of the property transaction and not get it right. Realizing your mistake later can cost you tens of thousands of dollars in break fees, discharge fees, re-valuation fees, applications fees, fees, fees, and more fees.”

For example, we are seeing countless clients who locked in at 8.5% for five years. They are now paying far more for their mortgage and are coming to us for advice about breaking out of the loan. We had one quote from a bank of break fees in the order of $66,000. The client is simply locked in and has no way out other than the pay these exorbitant fees.

Other clients we have seen have taken out what they thought was a very simple and easy to understand loan. However, when they have come to us to buy their next investment property, we’ve had to inform them that to restructure this loan they’d be paying deferred establishment fees in the order of $16,000. And not only that, they would have to refinance their whole portfolio because their bank had

‘cross-collateralized’ all of their properties across all of their loans. A very simple mistake that could be avoided with the right advice.

Another common example is the client who has taken a loan to buy their home with the intention of eventually upgrading to a bigger home. They did what they thought was the right thing and paid as much as they could off the loan. Then when they came to us for advice about buying their dream home and using the existing home as an investment property, we had to give them the unpleasant advice that they would now be fully taxed on all their rental income and their large loan for their home would be non-tax deductible. Another simple mistake that could have been avoided.

So, as we explained above, it is very important to use the services of a mortgage broker. However, you need to be careful about choosing the Right Mortgage Broker. The average mortgage broker is ‘transactional’ – they just get the best deal for you for that transaction. They do not normally consider your long-term strategy and whether the loan they are signing you up for will be the right loan for you 12-months down the track when you buy your next property. We have seen so many clients who were signed up for the wrong loan and are now paying the price.

To determine whether your mortgage broker is the right one for you ask the right questions.

Questions to ask your mortgage broker:

·       How much does the service cost and when do I have to pay?
·       Do you belong to an industry association such as the MIIA/MFAA and if so, does that association have a dispute resolution policy? (Ask to

see it in writing. Disgruntled borrowers can also contact the Mortgage Industry Ombudsman on 1800 138 422.)
·       How do you identify the best solution? Is it simply commission-based or do you use a software package? (Their criteria for selection should be logical and transparent.)
·       How many lenders (and which lenders) do you represent? (Make sure the broker deals with a spread of lender types i.e. banks, mortgage managers and others.)
·       How do you get paid? (Ask them to disclose all commissions and payments.)
·       Can you provide comparisons of any loans recommended, including upfront and ongoing fees?
·       Can you clarify the actual cost of the loan, including and excluding interest, fees and ongoing costs?
·       Do you comply with the Privacy Act?
·       Do you have professional indemnity insurance?
·       How long have you been in the industry and can I read your testimonials from previous clients?

Property Investment Articles

Monday, March 07, 2011
Once you have decided the Right strategy, organized the Right finance and sought the Right tax advice you then need to source the Right Property.

This can be an extraordinarily time-consuming, complex and confusing process. You can do it yourself if you have ample, and I mean ample spare time to spend hours upon hours every night and weekend researching and ensuring that you are completing your due diligence. You will need to research:

·       the best states to invest in all across Australia
·       the best suburbs within those states
·       the best streets in those areas
·       the demographics (in relation to those in the area – their age, sex, marital status, average income, family size and whether they are renters or owners – both now and predicted)
·       the capital growth of the area – both now and predicted
·       the average rent of the area – both now and predicted
·       the infrastructure of the area – both now and predicted
·       the government zonings of the area (now and planned changes)
·       the government’s plans for development of roads, hospitals, schools, shopping centers, etc
·       the government’s planned changes or improvements to surrounding roads, highways and suburbs
·       plus many, many more factors

Once you have researched all of the above and you are sure that you have located the right area of Australia to invest in, you will then need to contact all the local real estate agents, set aside a few weeks of your time, try to arrange all of these agents to show you the stock they have on hand at that time and hope you can find a property that meets your criteria during this time, otherwise you will need to re-book the trip and go again when new stock reaches the market…

…or you can simply use a property buyer’s agent service or a property aggregator…

What is a buyer’s agent or property aggregate? 

You need impartial, independent and reliable advice in order to be successful at property investment and that’s precisely what buyers’ agents and property aggregators are in the business of providing.

Buyer’s agents work for the buyer NOT the seller’.

Imagine that instead of having to contact heaps of different real estate agents and developers and then having to sift through all of the competing and contradictory information they give you, imagine if you could contact just one agent and they would do all the running around for you.  They would contact many different vendors, real estate agents, developers, etc and, after determining what your needs and wants are, they will then present a summary of the best options available on the market at the moment that suit YOUR NEEDS. 

That’s what Buyer’s agents or Property Aggregators’ do. They work for you.

They provide market analysis and identification of growth areas in the capital city markets. They identify, source and negotiate specific investment properties in keeping with market conditions and the client’s requirements. Clients are provided with recommendations in a written report covering:

·       indicative investment cash flows
·       detailed market demographics and commentary
·       specific property recommendations
·       property plans, ,photos, specifications etc
·       full financial spreadsheets
·       assisting clients with the inspection and purchase of appropriate investment properties
·       negotiation of purchase price
·       coordination of the purchase process and ongoing client support

What to look for in a buyers agent

Independence is the number one factor. Ask them if they:

·       Sell more than one product from more than one developer
·       Have access to all of the fast-growing states of Australia.
·       Are knowledgeable about investment strategies.
·       Are experienced in property investment. Do they walk their talk? Ask them, “How many properties do you own?” Don’t be afraid to interrogate them. It’s your money they will be spending so you need to ensure you are 100% comfortable with their knowledge and experience.
·       Have access to every other specialty field necessary to help you complete the transaction, that is:                                          
1.     property strategists
2.     a finance team
3.     tax advisors
4.     property managers
5.     life coaches

“A really good buyer’s agent is knowledgeable about most mainstream investment strategies. They have an understanding of what the client’s needs are on a more personal level with regard to their goals, strategies and fears. They have the ability to ‘hear’ the client’s views and to take them and turn them into fully-realized achievements.”

Why use a buyer’s agent?

In a nutshell, because they save you the time you would otherwise spend researching. They save you the cost of the trips (all of which are non-tax deductible as you haven’t selected a property yet). AND THEY ALLOW YOU TO SLEEP AT NIGHT because you have done your due diligence by focusing on selecting the right buyer’s agent, trusting them to select the right property.

Buyer’s agents are experienced professionals who buy properties on behalf of clients on a daily basis. They have extensive contacts and have many buying strategies at their disposal. In other words;

They take a client’s request and apply their experienced strategies to deliver the best result for that client. You wouldn’t ask a boxer to do brain surgery…why not use an expert property sleuth to find the right investment for you?’

Property v Super (SMSF's & Property)

Monday, March 07, 2011

Is the Age Old Battle between Property & Superannuation finally over?

Why is there a war?

Since time immemorial it has been argued by numerous opponents as to whether the benefits of investing in property outweigh the tax concessional environment of superannuation. 

From a cynic’s point of view, one could say that the opponents opinion’s debate varied considerably depending on their own bias.  And this bias seems to be greatly influenced by the advisor’s commission structure. 

Funnily enough, analysis provided financial advisors proved, without a doubt, that superannuation and shares is the way to go whereas just as convincing arguments, raised by property spruikers, real estate agents and mortgage brokers, suggested that property was by far the superior investment.

Who should you believe? 

A new battalion – property and superannuation join forces?

The battlefield has changed and changed dramatically. 

Why would you choose;

Property instead of Super


Super instead of Property

When you can have the best of both worlds instead.

Why has the front line shifted?

New laws introduced in September 2007 allow Self Managed Superannuation Funds (SMSF’s) to, for the first time, buy geared property in a simple and uncomplicated manner. 

SMSF’s can now select a property of their choice, be it;
·         residential
·         commercial,
·         or rural
and borrow up to 75% of the value of the property. 

Previously an investor had to choose between;

·         using his spare funds to invest in a negative geared property,

·         OR contribute the funds to superannuation.  Let’s have a look at an example comparing the two alternatives.

For advice, assistance and to get started with Property and or SMSF go to

Comparing the two – Option 1:

Take Johnny who is 35 and purchases an investment property.

Presuming average capital growth of 7% and rental yield of 5% (both very achievable) the following scenario occurs at age 60.

Value of Property:  $1,775,328
Mortgage owing: $350,000
Net Value: $1,425,328

Plus, the property has been cash flow positive since year 7 netting a cash flow of $584,480 which Johnny could use for further property investing.

Taking tax out of this amount will bring the returns down to:
Net Capital Gain: $1,211,529
Net Cash flow: $409,136
Overall Outcome: $1,620,665

(*Presuming a 30% tax rate,8.5% IO Mortgage rate,rent yield grows at 6% in line with property growth, excess cash flow taxed)

Comparing the two – Option 2:

Compare this to Sally who invests the same amount as Johnny into superannuation. Presuming the same growth and yield (if his superannuation was invested in a well diversified growth portfolio) he would achieve a superannuation balance of $432,658 by age 60.  This is well short of the gains made by Johnny.

(*Presuming a 15% tax rate, contributions include the initial deposit and the cash flow shortfall and cease in year 7 when property cash flow positive, no CGT as investment held until after age 60)

Comparing the two - An un-biased opinion

As any professional advisor and serious investor should know there is more to consider than the pure numerical outcome.  Whether considering property or superannuation other important factors need to be considered. 

One of the most important factors is the stage of the investor’s lifecycle. 

In the working years of an investor’s life a strong cash flow allows the possibility of using gearing strategies to maximize returns thus making property a preferential option. 

Once the investor reaches the pre-retirement phase, it may be unwise to take on the risk of gearing.  Therefore, this may be the preferential time to consider locking away as much as possible into super.

The most common investment strategy seen in the baby boomer era was to invest all surplus funds into accessible investments including property and shares and then cashing these in and contributing the funds into super just prior to retirement.  The only disadvantage of this strategy was a potentially very large Capital Gains Tax bill.

Who shot this strategy down?

However, this strategy has been dramatically hampered by the Governments new contribution rules which only allow $25,000 a year (and $50,000 a year if over 55) of concessional contributions per year.  

The effect of the new contributions rule is to significantly disadvantage generation X and Y.  It is fair to say that most young singles and young families have better things to do with their money and more pressing needs than to make the most of their $25,000 per year contribution limit.  Then when they are getting closer to retirement and have more surplus funds they will be prevented from, like their pre-decessors, making large contributions just prior to retirement.

So taking the above example a little further let’s suppose Johnny sold his property at age 60 with the intention of rolling the funds into superannuation. He made a gain of $1,425,328.  Capital Gains Tax will be incurred on the sale bringing his net gain down to $1,211,529.  Can he contribute this to his super fund?

Under the current rules he will only be able to contribute $50,000 as a concessional amount (that is; tax deductible) and $100,000 as non-concessional.  Anything over this will be taxed at 48.5%.  If the current rules still apply when Johnny is 60 he may be able to bring forward three years worth of contributions and contribute $450,000 in one year.  This will still leave $761,529 outside the super fund that he is prohibited from contributing. 

So what does this mean?

What the above analysis means is that the age old argument of super Vs property is superfluous.  It is redundant and advisors and investors alike need to re-consider their strategies.

The contributions restrictions require investors to consider super much sooner than later.  And the new borrowing rules within SMSF’s open up a whole gamete of possibilities. 

Following on from the above example:

Johnny already has $50,000 in his retail super fund selected for him by his employer.  He chooses to roll this over to his own SMSF and use that to pay a deposit and purchase the investment property in the SMSF.  Instead of paying the negative gearing shortfall personally he instead salary sacrifices this amount to his super fund to enable the super fund to meet the mortgage commitments.

At age 60 Johnny has accumulated the same gain on the property as above, that is; $1,425,328 but he can now sell the property Capital Gains Tax Free (assuming he is on a pension).  The positive cash flow from the rental income has also been taxed at 15% instead of 30% netting him an additional $64,150

The total gains from simply
holding the property in his
SMSF instead of personally
are over $277,949.

And of course he could have used the positive cash flow to fund another 4 or 5 properties increasing the gain to well over a million.

For advice, assistance and to get started with Property and or SMSF go to

Why would you buy property in a SMSF instead of personally?

For many reasons including;

  • you get the benefit of ‘leverage’,
  • a maximum of 15% tax on any rental income in excess of costs,
  • you receive a tax deduction for the loan repayments of principal (which is normally impossible) via salary sacrificing the amount required to cover the shortfall,
  • asset protection – the asset is protected from creditors in the event of a lawsuit or bankruptcy (some conditions apply),
  • the property can still be sold and the loan repaid at any stage,
  • any capital gains on the property when sold will be taxed at a maximum rate of 10% (if asset held for more than 12 months)

But the biggest incentive of all – if you keep the properties until age 60 and commence a pension from the fund;
·       any capital gain on the property will be TAX FREE,
·       any rent on the property will be TAX FREE,
·       any income paid out to you will also be TAX FREE.

The laws are only new and law complying products are now being introduced and marketed.  It is envisaged that these products will hit the market like a storm once investors realize the potential.  There are already over 350,000 SMSF’s operating in Australia and it is likely that this figure will increase exponentially once knowledge of the loan products becomes widespread. 

In fact, as at May 2010, SMSF’s are growing at a rate of 2500 per month.

It is also interesting to note that this may be the first time in history that all advisors (financial planners, accountants, auditors, property advisors and mortgage brokers) have a common ground for advising clients.  All advisors have something to gain by assisting clients into these products. It’s not only a busy time ahead for advisors but a time to join forces and put a cease fire on the battle.

How to End the War and Live in Peace:

1.          Establish a SMSF – your advisor can do this in 24 hours

2.          Open a bank account with a bank of your choice

3.          Write to your existing funds and request them to rollover your funds to your SMSF bank account

4.          Find a property – recommend that you do this through a buyer’s agency. (See our Free Report as to why)

5.          Arrange a loan through a broker who specializes in SMSF loans.

6.          EASY AS THAT

For advice, assistance and to get started with Property and or SMSF go to

Most importantly GET Proper Advice

Ensure you consult an independent advisor who is licensed to provide Property Investment Advice, qualified and experienced in taxation and finance and regulated by ethical industry associations.

Your advisor should be willing and able to advise you, in writing;

·         How many properties you can afford to buy,

·         Where to buy and why,

·         What returns you should expect on your portfolio,

·         How much will it cost you to hold your properties per week (after tax),

·         How to minimize tax,

·         How to buy – individual name, company, trust or SMSF,

·         Your exit strategy,

·         How to insure your portfolio is safe in the event of any unforeseen circumstances,

·         What will be the ‘end result’ – your exit strategy,

·         And most importantly – will this enable you to achieve your long term income and lifestyle goals in years to come.

For advice, assistance and to get started with Property and or SMSF go to

Yours Sincerely, Catherine Smith
Wholistic Financial Solutions
02 6162 4546
Bachelor of Commerce / Masters Degree Taxation
Diploma of Financial Planning / Diploma of Mortgage Broking / Diploma of Real Estate / Justice of Peace(ACT)
Certified Practicing Accountant. Fellow of NTAA.
Recognised Taxation Specialist.
Public Accountant.  Tax Agent.
SMSF Specialist.
Training Consultant for Property In A Box

Property Investment Articles

Monday, March 07, 2011

Dear Investor,

Would you like to invest in property but are unsure of the right strategy for your needs? Are you confused by the overwhelming amount of investment information, financial products and advice available?  Do you worry that the wrong advice could seriously affect your property investing success?

If you have answered “yes” to any of these questions then you need to read this FREE report –

 “How to Build a Property Portfolio the Right Way –

 Right from the Start”

Free Download at

This FREE report will reveal to you the 7 basic elements you need to have in place to ensure your success in property investment. You’ll find out how to avoid the simple but crucial mistake many property investors make, one that could end up costing you thousands of dollars. You’ll discover the best ways to maximise your tax deductions (the ATO will wish you didn’t know this), the best methods to finance your investment and the most effective strategy for your unique situation.

If you want to learn the secrets that the most successful investors know and try to keep to themselves then report each chapter of this report.

Yours Sincerely, Catherine Smith

Free Download at

“Discover how to build a property portfolio the right way, right from the start”

“This FREE report will reveal the 7 elements to building a successful property portfolio so that you can reach your financial goals sooner”

“Stop Wondering what is the Right Investment Strategy for You and Discover How to Build a Property Portfolio the Right Way – Right from the Start”

Free Download at

“This FREE report will reveal the 7 elements to building a successful property portfolio so that you can reach your financial goals sooner”

“This report will reveal the 7 Elements to Building a Property Portfolio so that You can Reach Your Financial Goals Sooner”

Free Download at

Property Investment Articles

Monday, March 07, 2011

“Here Are The 7 Ways We Can Help You To Reach Your Financial Goals Sooner”

1) We Can Help You Chose The Right  Investment Strategy

We’ll Do It All For You

It’s difficult to choose from the many options available today to property and superannuation investors. We suffer from information overload. With so many decisions to make, it can be hard to make the right choice for you and your family’s future. So how can you minimize the decision-making headaches?
There’s only one way to save yourself the worry of time and money wasting. Let us do it all for you.

We’ll narrow your options with our expert knowledge and experience and pull together unique and innovative strategies tailored specifically for you. You’ll find no-one else in Canberra with the vast range of qualifications and expertise that we have at our fingertips.

You’ll enjoy a service that will:

  • Identify your motivation
  • Identify your goals
  • Identify the best strategy to help you achieve these goals
  • Take into account tax implications
  • Provide a simple step-by-step plan
  • Then keep you motivated and accountable to your goals and plan

Talk with us at Wholistic Financial Solutions and we’ll define your ‘What’, ‘How’, and ‘Why’ for you. We’ll ensure that your goals are clarified and fully understood. After all, this is a lifetime alliance and we want to get it right – right from the start!

2) We Can Help You Get The Finance Needed For Your Investment

Finding the right finance plan/option for your property investment can be a daunting task. So many organizations offer so many products that making the right choice can be like fighting your way out of a tangled maze. You need to find a loan that will give you the best return on your investment, a loan that will not need to be restructured in the future. And you need to save time and money. What to do?
Relax. Our experts at Wholistic Financial Solutions will:
  • Find the right loan for you – simply and easily
  • Set up the right loan structure
  • Plan the right tax strategy for you
  • Tailor the right product to fit your strategy
  • Fill out bank loan applications
  • Guide you through the processes after application
  • Help you the transaction all the way to the settlement of property
We’re not just mortgage brokers. We can bring your tax and financial plans together. And it will all be explained in plain English so you will be completely informed along the way. With our state-of -the-art software, you’ll enjoy the best service available.
You’ll know you’ve made the right choice.

3) We Can Provide Your With The Right Tax Advice

You want to be sure you’re minimizing your tax legally and maximizing your tax deductions. Every person is entitled to pay as little tax as possible and we can promise you you’ll never pay an unnecessary extra dollar of tax.

You’ll get tax advice specific to property investing; the right advice. Our tax professionals will guide you through the solutions to your tax needs. You’ll get:

  • Professional advice from CPA, Master Degree qualified accountants
  • Latest tax law information in our regular newsletters, webinars and seminars
  • An analysis of your tax situation and recommendation as to the most tax effective way to structure the property purchase
  • Recommendations of ways to maximize tax deductions
  • A full, plain English, explanation of the findings of our recommendations
  • Help to implement the right tax strategy
With Wholistic Financial Solution's expert advice, you’ll get answers to any questions you may have. Remember, it’s essential that you have the correct tax strategy in place before you proceed any further. The wrong decision at the crucial purchasing period could cost you very dearly down the track.

4) We Can Help You Find The Right Property So You Can Receive The Highest Return On Your Investment

How many of us can afford the hours it takes to research all the property information available on the current market? Again, there are too many choices to make, too many properties to inspect and too many kilometers to travel. With our busy lifestyles today, not many of us have the time to travel personally to look at investment properties. And it’s next to impossible to fit in with inspection times available, especially if you’ve had to travel interstate. And you certainly won’t want to make a return trip.

So let us source the right property for you, quickly and easily. With our expertise and industry experience we can:

  • Search through property lists to find the property exactly right for you
  • Determine the right strategy and finance plan for you and locate the property that will fit these strategies
  • Undertake “Hot Spot Research” and help you choose locations that may maximise your capital growth
  • Present these choice locations to you
  • Arrange the purchasing process
  • Look after all your management and tax needs
  • Take care of all your post-purchase needs

Imagine how easy it will be to have all this done for you, by people who understand the importance of making the right choice. Don’t ‘run yourself ragged’ by trying to do it all yourself! And remember – we walk our talk.  We will only be recommending areas that we are investing in.

5) We Can Help You With The Right Property Management – No Tenant Headaches

Managing your own investment property can be a real headache. It’s certainly not a job for the faint-hearted, with debt collection, tribunal hearings and possible confrontations with belligerent tenants being just a part of it. For a start, you need to choose the best tenant from several or many applicants; you’ll need to fill out all the paperwork and be prepared to lose money when tenants default on rent payments or the property is left vacant for any length of time.
It’s an endless round of thankless responsibilities. Then there’s maintenance and the repairs to any damage that may have been caused by unsuitable tenants. Of course, this is a worst case scenario.

But wouldn’t it be better to have confidence in the property management skills of trained professionals, people who have been in the industry for many years? With Wholistic Financial Solutions, you can safely leave all of those problems to us.
Here are just a few of the benefits you’ll enjoy with our OzInvest Properties property management:

  • You’ll have a sourcing and managing service that will find you the right tenant – easily and quickly.
  • We can guarantee your rent for 10 years – if we can’t find a tenant, we’ll pay your rent for you!*
  • You’ll get your rent paid on time, every time, for 10 years, guaranteed**.
    (*only applies to properties purchased through our affiliate OzInvest)

So why struggle with the worries of managing your investment property yourself? It’s so easy to hand it over to people like OzInvest who know and understand the business, leaving you to enjoy the freedom that investment confidence can give you.

6) We Can Provide The Right Coaching Needed To Keep Your Goals On Track

You may have some very clear goals that you have set yourself. And most of the time you might be confident of achieving them. But sometimes obstacles can appear, holding you back, blocking the path and causing enormous frustration. When you’re in the middle of a situation, it can be hard to see the way out; it’s hard to ‘see the wood for the trees’.

You’ll need advice. Sound, expert advice. Perhaps you may need to stop your spending; perhaps you need to aim a little higher. You may need to take more risks or perhaps you need to be a little more conservative. It’s good to have advice but how do you implement it? What should your approach be to enable you to achieve these goals? Where do you start?

Right here. This is where we can help you with the right coaching and mentoring.
We take a ‘Wholistic’ approach to reaching those goals you have set yourself. We can offer you:

  • Life coaching
  • Goal analysis
  • Money psychology analysis
  • Identification of the obstacles holding you back
  • Solutions to those problems
  • Help to design a bridge that will take you over those obstacles
  • Motivation to achieve your goals
  • Hold you accountable to achieving your goals

So don’t allow obstacles to block the way to your achieving what you desire. Let Wholistic Financial Solutions help you to identify them and overcome them. With our assistance, you’ll find reaching your goals a whole lot easier!

7) We Can Provide Your With Right Information About Property & Investment

You may be like many property investors who find that once they have purchased property, they are on their own. Family and friends don’t always have an understanding and may not share your property investment dreams. They might even think you’re crazy and exclaim ‘you’re doing what???’

Now that you have invested in property; you need ongoing support to keep you informed, motivated and encouraged. You’ll never feel alone with Investor Property and Finance because we’ll make sure you’re brought up-to-date with all the latest information with:
  • FREE monthly educational webinars.
  • FREE regular property investment educational seminars
  • FREE monthly newsletter with updates on tax information, loan product specials, investment opportunities and motivational issues.
  • FREE invitations to affiliated property investment and motivational seminars.
You can invest in confidence, knowing that we’ll support you all the way, from start to finish. With our varied professionals, we have the right person on hand at all times to suit your need, whatever it is. You’ll have all the strategies, advice, management, coaching and information you’ll ever need to make your property investment a success!

Property Investment Articles

Monday, March 07, 2011
Free Download at

This FREE Report Will Reveal To You….

1.The Right Investment Strategy – “Discover the most critical step to property investment before you start to invest –  if you DON’T define this step you will never have success with property investment”

2. The Right Finance – “How to be confident that you have found the right loan and structure so that you can meet long-term financial goals and avoid     serious costs – potentially saving 1000’s of dollars in long-term exit fees and interest rates”

3. The Right Tax Advice  – “How to build your property portfolio using the tax man’s money”

4. The Right Property – “How to buy the right property at the right time in the right location in less than 5-minutes

5. The Right Management – “How to have a remote control property portfolio which means no rental headaches for the  lifetime of the ownership of the property”

6. The Right Coach – “Discover why most property investors fail – and what to do about it”

7 .The Right First Steps – “Discover the first steps to putting you on track to build a property portfolio that will meet all your life goals

Free Download at

Wealth Creation & Protection

Wednesday, March 02, 2011
One of the biggest issues many people face is the creation of wealth but many people fail to consider the flip side - the protection of wealth. Both issues are as critical as each other. You don't want to work hard at a job or in a business, to accumulate wealth, only to lose it because you failed to protect it. Wealth protection can be simnple such as insurance or advanced such as complex business structuring. If you need any assistance on welath creation or protection feel free to send me a comment or question.

Buying Properties in Companies and Trusts

Monday, January 03, 2011
Hi all, As a Property Advisor and Accountant I often get asked whether it is a good idea to buy properties in a Company or Trust (or SMSF). If you have any questions about this issue or want know the pros and cons - just click here and ask.


Thursday, December 30, 2010
Hi all, Well it's that time of the year again. Tomorrow will be 1/1/11. Time to start a New Year. What are your resolutions? Mine are - to get my financial affairs rocking. If you would like to do that too make you become a follower of my Blog where I will be giving FREE (YES FREE) financial, taxation and property tips all year. If you have any questions - just blog me.

Discover How to Build A Property Portfolio The Right Way Right From The Start

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