facebook
Skip to content
Fitzgerald Charity Housing

Attention All Investors

Unlock 25% Savings on Investment Property and Maximize Your Tax Deductions!

Discovering affordable properties and purchasing a real estate investment with tax savings and government benefits.

Your Go to Property Specialists

Look no further than Fitzgerald Housing!

We are a leading provider of short and long term investment solutions for companies and property investors. Our portfolio of real estate investments offers a range of rewards, with satisfying return on investments.

Buying into Property Investments

Buying an investment property

We understand that purchasing a realty investment can be a daunting prospect, so we offer a range of partnerships and financing options to make the process easier. 

Our financial advisors and investment calculators can help you to identify areas with the lowest property investment risks, and our team of experts can help you to find below market value property, as well as investment property tax deductions and government incentives.

At Fitzgerald Housing, we are committed to helping our clients make the most of their investments. We provide comprehensive advice on how to find discounted properties, and how to buy property below market value. Our team of experienced professionals are always on hand to answer any questions you may have. 

,,

If it sounds too good to be true, don’t hesitate to reach out to us and we’ll be happy to help you navigate the legalities.

Check out our “Frequently Asked Questions” section on the website.

Purchase Your Investment Property Now!

Whether you are interested in our amazing offer, or want to stay informed about investing in the Australian property market.

FAQ!

Buying a rental property without a deposit can be a daunting task, but it is not impossible. There are various ways to finance your investment property without putting down a large sum of money. There are different methods of buying a rental property with no deposit, including using equity, utilizing a guarantor, or finding a no deposit home loan.

Using Equity

If you already own a property, using equity can be a great way to fund your investment property. Equity is the difference between the value of your property and the amount you owe on your mortgage. By using equity, you can avoid having to come up with a cash deposit for your rental property.

One way to use equity is by refinancing your current home loan. This will allow you to access the equity in your property and use it as a deposit for your rental property. Alternatively, you can consider taking out a line of credit against your existing property to fund your investment property.

Utilizing a Guarantor

Another way to buy a rental property without a deposit is by utilizing a guarantor. A guarantor is someone who agrees to guarantee your home loan by using their own property as security. This means that if you are unable to make your loan repayments, the guarantor will be responsible for covering the repayments.

A guarantor can be a family member or friend who owns a property and is willing to use it as security for your loan. This option can be helpful for those who may not have the financial means to provide a cash deposit but have someone who is willing to act as a guarantor.

No Deposit Home Loans

Another option for buying a rental property without a deposit is to consider a no deposit home loan. These loans are designed for first-time buyers or investors who do not have a cash deposit but are looking to purchase a property.

No deposit home loans can be more challenging to secure and may come with higher interest rates and fees. However, if you are unable to provide a cash deposit, this can be a viable option to fund your investment property.

Buying a rental property without a deposit can be a challenge, but it is not impossible. By using equity, utilizing a guarantor, or finding a no deposit home loan, you can finance your investment property without having to come up with a cash deposit.

Remember, it is essential to do your research and consider all your options before making any decisions. By doing so, you can make an informed decision that will set you on the path to successful property investing.

Read this Article on Investment loans.

As experts in the field of investment loans, we understand the challenges faced by those looking to invest in multiple properties. With the current state of the property market, it is more important than ever to make smart investment decisions. In this article, we will provide you with valuable insights on how to buy multiple investment properties, and how to do it successfully.

Choosing the right properties

The first step to buying multiple investment properties is to choose the right properties. It is important to do your research and select properties that have the potential to generate a positive cash flow. Consider the location, local amenities, and the property’s condition. A property in a desirable location with high rental demand and low vacancy rates is a great place to start.

Financing your investment properties

Once you have identified potential investment properties, you will need to consider how to finance them. There are several options available, including traditional mortgages, private lenders, and self-managed super funds (SMSF). It is important to weigh the pros and cons of each option and choose the one that best suits your needs.

Managing your investment properties

Managing multiple investment properties can be challenging, but there are steps you can take to make the process easier. Consider working with a property management company to handle day-to-day tasks such as rent collection, maintenance, and repairs. This can help to reduce your workload and ensure that your properties are well-maintained.

Tax considerations

Investing in multiple properties can have significant tax implications, so it is important to understand the tax rules and regulations that apply. Consult with a tax professional to ensure that you are complying with all relevant laws and regulations and maximizing your tax benefits.

 

Read more about using Super to buy property.

What is Superannuation?

Superannuation is a retirement savings plan that is mandatory in Australia for employees earning over $450 per month. It is designed to provide you with income in retirement, and it is funded by your employer and yourself through contributions. The money in your super fund is invested in various assets, such as stocks, bonds, and property, with the goal of generating returns over time.

Why Invest in Property with Super?

There are several advantages of using your super to buy property, including:

  • Tax benefits: When you use your super to invest in real estate, you can enjoy significant tax advantages, such as lower tax rates on rental income and capital gains, and deductions for expenses related to the property, such as interest, depreciation, and repairs.

  • Diversification: Property is a valuable addition to your investment portfolio, as it offers diversification from other asset classes, such as shares and bonds. Property can also provide stable, long-term returns, and a hedge against inflation.

  • Control: When you invest in property through your super, you have more control over your investment decisions, such as choosing the property, managing it, and selling it. You can also use a self-managed super fund (SMSF) to invest in property, which gives you even greater flexibility and control.

How to Invest in Property with Super?

There are several steps involved in using your super to buy property, including:

  1. Check your super balance: Before you consider using your super to invest in real estate, you need to make sure you have enough money in your super fund to cover the purchase, as well as the ongoing costs of owning a property, such as maintenance, insurance, and rates.

  2. Choose the right structure: There are different structures you can use to invest in property with super, such as a self-managed super fund (SMSF), a retail super fund, or a wrap account. Each structure has its advantages and disadvantages, and you should seek professional advice before deciding which one to use.

  3. Find the right property: Once you have decided on the structure, you need to find the right property to invest in. This involves researching the market, assessing the potential returns, and inspecting the property. You should also consider the location, the condition of the property, and the rental demand.

  4. Arrange finance: After you have found the property, you need to arrange finance for the purchase. This can be done through your super fund, or by borrowing externally, either personally or through a related party. You should consider the interest rates, fees, and repayment terms of the loan, as well as the risks and benefits of borrowing.

  5. Purchase the property: Once you have arranged finance, you can purchase the property through your super fund. This involves completing the necessary paperwork, such as the contract of sale and the transfer of ownership, and paying the deposit and settlement costs. You should also consider the legal and tax implications of the purchase, and seek professional advice if necessary.

  6. Manage the property: After you have purchased the property, you need to manage it effectively to maximize its returns and minimize its risks. This involves finding tenants, collecting rent, maintaining the property, and complying with the relevant laws and regulations. You should also monitor the performance of the property, and adjust your strategy if necessary.

  7. Sell the property: Finally, when

    the time is right, you can sell the property and realize the gains. This involves preparing the property for sale, finding a buyer, negotiating the price, and settling the transaction. You should also consider the tax implications of the sale, and seek professional advice if necessary.

    Risks and Considerations

    While investing in property with super can be a smart financial move, there are also risks and considerations you need to be aware of, such as:

    • Liquidity: Property is not a liquid asset, which means it can be difficult to sell or access the funds if you need them. This can be a problem if you have unexpected expenses or changes in your circumstances.

    • Fees: Investing in property with super can involve significant fees and charges, such as establishment fees, ongoing management fees, and audit fees. You should carefully consider the costs involved, and compare them with the potential returns.

    • Compliance: Investing in property with super involves strict compliance requirements, such as the superannuation laws, the tax laws, and the property laws. You need to make sure you comply with all the regulations, and seek professional advice if you are unsure.

Read more about using Super to buy properties.

Typically, you’ll need at least a 20% deposit to purchase an investment property. This means if you’re looking to buy a property worth $500,000, you’ll need to have saved up $100,000 for your deposit. However, if you have less than a 20% deposit, you may still be able to secure a loan, but you’ll need to pay Lender’s Mortgage Insurance (LMI).

LMI is a type of insurance that protects the lender in case you default on your loan. The cost of LMI varies depending on the size of your deposit, the value of the property, and the lender’s requirements. However, it can add thousands of dollars to the cost of your loan, so it’s important to factor it into your calculations.

How to save for a deposit

Saving for a deposit can be challenging, especially if you’re already paying rent or a mortgage on your primary residence. However, there are several strategies you can use to boost your savings and reach your goal faster:

  1. Set a savings goal: The first step to saving for a deposit is to set a realistic goal. Determine how much you need to save, and how long it will take you to get there. You can use online calculators to help you estimate your savings target and create a savings plan.

  2. Reduce your expenses: Look for ways to cut back on your expenses, such as eating out less, canceling subscriptions you don’t use, and negotiating better deals on your bills.

  3. Increase your income: Consider taking on a side hustle or asking for a raise at work to boost your income. You can also look for ways to invest your money, such as in stocks or a high-yield savings account.

  4. Use a budgeting app: There are many budgeting apps available that can help you track your expenses and stay on top of your savings goals. Some popular options include Mint, PocketGuard, and YNAB.

  5. Consider alternative financing options: If you’re struggling to save up a 20% deposit, you may want to consider alternative financing options, such as a low-deposit loan or a guarantor loan. However, it’s important to understand the risks and costs associated with these types of loans.

Read more about how much you need to purchase investment property.

At Fitzgerald Housing, we believe that now is an opportune time to invest in property. In this article, we will outline why we think so and provide you with all the information you need to make an informed decision.

The Benefits of Investing in Property

First and foremost, investing in property is a great way to build long-term wealth. Property values tend to appreciate over time, and rental income can provide a steady stream of passive income.

Additionally, property is a tangible asset that you can physically see and touch. Unlike other investments, such as stocks or bonds, you have more control over your property investment. You can make improvements, renovations, and upgrades to increase its value.

Why Now is a Good Time to Invest

The current state of the property market presents several opportunities for savvy investors. Interest rates are at historic lows, making mortgages more affordable than ever before. This means that you can purchase a property with a lower down payment and lower monthly payments.

Moreover, the COVID-19 pandemic has had a significant impact on the property market, leading to a decrease in property prices in some areas. This presents an excellent opportunity to purchase property at a lower price than usual.

Furthermore, with the pandemic causing many people to work remotely, there has been an increase in demand for suburban and rural properties. If you invest in these areas, you can expect to see a higher return on investment.

Important Considerations Before Investing

Before investing in property, it’s crucial to do your due diligence and research. Consider the location, property type, and your budget carefully. You should also consult with a professional real estate agent or property investment advisor to help you make the best decision for your circumstances.

Read more about buying property in 2023.

Investing in property for the first time can be a daunting task. There are many factors to consider, and making the right decisions can make all the difference in the success of your investment. In this article, we will provide you with tips and guidance to help you navigate the process of investing in property.

  1. Define your investment goals Before you start investing in property, it’s important to define your investment goals. What is your investment horizon? Are you looking for short-term or long-term gains? What kind of returns are you expecting? Answering these questions will help you create a plan that aligns with your investment goals.

  2. Research the market Researching the market is critical to making informed decisions when investing in property. You need to understand the local market conditions, such as property prices, rental yields, and vacancy rates. Additionally, you should research the trends in the broader property market, including interest rates, government policies, and economic conditions.

  3. Determine your budget Before investing in property, you should determine your budget. You need to consider the costs of buying the property, such as legal fees, stamp duty, and inspection costs, as well as ongoing costs such as maintenance, insurance, and property management fees.

  4. Choose the right property Choosing the right property is crucial to the success of your investment. You need to consider factors such as location, property type, condition, and potential for growth. It’s important to conduct thorough inspections and seek professional advice to ensure you make an informed decision.

  5. Secure financing Securing financing is an important step in investing in property. You should shop around for the best interest rates and terms, and ensure you have a clear understanding of the terms and conditions of your loan.

  6. Manage your investment Managing your investment is crucial to ensuring its success. You need to ensure your property is maintained and managed properly, and that you have a clear plan for managing tenants and dealing with any issues that arise.

Read more about how to buy investment properties.

Using Equity to Buy an Investment Property

Investing in property can be an excellent way to build wealth and secure your financial future. One of the most popular ways to get started in property investment is by using the equity in your current home. In this article, we will discuss the different ways you can use equity to buy an investment property and the benefits and risks of each strategy.

What is Equity?

Equity is the difference between the value of your property and the amount you owe on your mortgage. For example, if your home is worth $500,000, and you owe $300,000 on your mortgage, your equity is $200,000. Equity can increase over time as the value of your property goes up or as you pay down your mortgage.

Using Equity as a Deposit

One of the most common ways to use equity to buy an investment property is by using it as a deposit. You can use your equity as a deposit and borrow the rest of the funds from a lender. This is known as a deposit bond. Using a deposit bond can help you avoid paying lenders mortgage insurance, which can save you thousands of dollars.

Using Equity to Refinance

Another way to use equity to buy an investment property is by refinancing your current home loan. By refinancing, you can release some of the equity in your property and use the funds to buy an investment property. This strategy can be beneficial if your current home loan has a high-interest rate, and you can refinance to a lower interest rate.

Using a Line of Credit

You can also use a line of credit to access the equity in your property. A line of credit is a flexible loan that allows you to withdraw funds as you need them. This strategy can be beneficial if you want to have access to funds quickly or if you need to borrow funds for a short period.

Benefits of Using Equity to Buy an Investment Property

Using equity to buy an investment property can provide several benefits. Firstly, you can leverage the equity in your current property to build a property portfolio without needing to save a significant deposit. Secondly, the income generated from the investment property can help you pay off your home loan faster or provide additional income.

Risks of Using Equity to Buy an Investment Property

Using equity to buy an investment property also comes with risks. Firstly, if the value of your investment property decreases, you may end up owing more than the property is worth. Secondly, if your investment property does not generate enough income to cover the loan repayments, you may need to use your own funds to cover the shortfall.

Read more about using equity to buy property in Australia.