An on-demand webinar to learn how to get your financial structure set up correctly, save on your interest repayments and maximise borrowing power.

1. PropertyInvestmentFinance
Fundamentals

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3. • Property investor for the past 10
years
• Supports 500+ members
• Personal experience with
renovations
• Great amount of industry
experience
Dennis Wong

4. • 7 years broking experience
• 12 years experience within the
commercial & general insurance
industry
• 4 years leading a credit team for a
nationally recognised non-bank
lender
Paul Da Silva

5. We help investors
build and manage
their property portfolios

6. This presentation contains general information only and does
not take into account your personal objectives, financial
situation or needs.
You should consider whether the information is appropriate to
you before acting on it.
Before acting on any information you should consider seeking
advice from a qualified financial adviser and / or accountant.

7. Our mission is to provide property investors
around the world with the best advice,
guidance, products and services to enable them
to create wealth through property investment.

8. • 2,800 current members
• We help simply Real Estate Investment
• Mix of personal users, brokers, buyers
agents and accountants
• 250,000+ members use us for market
information, calculators, investment news
and updates
Real Estate Investar

9. ASX:REV
• Heavy investment in product
• Public company governance
• Strong and focused board
• Simon Baker – Former CEO of REA
• Anthony Catalano – CEO of Domain

10. In Partnership With…

11. 1.9m
Australians
1 Property
2-4 Properties
5+ Properties
• Pays shortfall for
5 years+.
• Eventually sells
and pays down
personal debt.
• No retirement
income.
• Strategy &
numbers.
• Self funding
portfolio.
• $100-$250k+
passive income in
retirement.
• Has high income
or buys every few
years.
• Freehold in
retirement.
• Min. retirement
income.
Source ATO/ABS
3 Levels of Property Investment

12. 1.9m
Australians
1 Property
1.4m
73%
2-4 Properties
470,000
25%
5+ Properties
30,000
2%
• Pays shortfall for
5 years+.
• Eventually sells
and pays down
personal debt.
• No retirement
income.
• Strategy &
numbers.
• Self funding
portfolio.
• End up freehold
• $100-$250k+
passive income in
retirement.
• Has high income
or buys every few
years.
• Freehold in
retirement.
• Min. retirement
income.
Source ATO/ABS
What Level are you Aiming for?

13. Poll: How many
properties do you
own?

14. • Mortgage Broker is working for you.
• Have the same goal – your success.
• Banks won’t help you maximise LVR as you grow.
• Banks are limited in the products they can offer.
• Banks are limited by their lending policy.
• Mortgage Broker has dozens of lenders and
hundreds of products at their disposal
• Mortgage Broker – your partner, facilitator
Bank or Broker?
What’s the Difference?

15. What do you need to determine to ensure your finance is
structured right:
• Review your current financial position
• Assess the property being acquired
• Need to consider your future objectives and goals
Importance of having the right
finance structure

16. • Is a Bank relationship important?
• Cross collateralise or stand alone?
• Is having the cheapest deal available the right strategy?
• What product is right for you?
• What if you get it wrong?
Importance of having the right
finance structure

17. One lender or multiple?
• No right or wrong answer
• Becomes more important when your portfolio
grows
• Both have advantages and disadvantages

18. • Ease of extracting equity
• Ease of administration
• Negotiating leverage
One Lender Advantages

19. One Lender Disadvantages
• Changes in lending policy
• Restrictions of a single lending policy
• Maximum exposure limits

20. • Spreading risk
• Pick the lender with the best lending policy
• Take advantage of specials
• Make use of capacity criteria
Multiple Lender Advantages

21. • Can be tougher to extract equity from multiple
properties
• New lender may have a higher assessment rate
for debts not held with them
• More administration and possibly costs
Multiple Lender Disadvantages

22. How lenders assess your application
• Character
• Collateral
• Capacity
• Current Conditions
Lenders look at what they call the 4 C’s of credit:

23. • Credit history
• Stability of employment
• Good asset position
Character

24. • Is the property in a good area
• Is it in good repair
• How much are you borrowing against the property
(LVR)
• Can it be easily sold
Collateral

25. • Assess if you have the income to meet your repayments
Lender policies disadvantages property investors. Why?
• Rental income is discounted
• Interest rates are assumed higher
• Tax benefits can often be ignored
Capacity to repay

26. • Local economy factors are considered
• Local employment situation
• National and global conditions
Current conditions

27. Arrange a Free Finance
Check Today at
info.realestateinvestar.com.au/finance

28. Poll: Would you like a
free financial check?

29. Introducing Premium Membership
For the hands-off investor who wants an easy way to purchase
their next investment property.
Using a six step, strategic approach we help:
• First time investors purchase their first property
• Existing investors grow their portfolio

30. Six Step, Strategic Approach

31. Which property is right for you?
We’ll work together to determine your property investing goals
and the investing strategy you intend to use. For example:
1. Boost or replace your income with passive cash flow
2. Generate equity for retirement through renovations or
subdivisions
We help first time and existing investors purchase
• Existing houses and units in growth markets
• Brand new off the plan apartments, dual occupancy
property and duplexes in growth markets

32. Recent member purchases

33. Advantages of Premium Membership
• Transparency on any opportunities we recommend to you
• Recommended new and / or existing properties
• Dedicated Portfolio Manager
• ASX listed business
• Exclusive access to stock
• Leverage our experience, professional ties and partners
• Receive a $5,000 cash rebate on settlement for off-the-plan

34. Do you have?
• A well-defined investing strategy in place?
• An acquisition plan to find and research your next property
investment opportunity?
• The time or know-how to implement your investing goals to
create sustainable wealth?
If the answer is no, don’t worry, many other property investors we
connect with are in a similar position

35. If you want some help…
• We find out your current situation
• The outcomes you want to achieve
• Challenges currently standing in your way
• How we can help you purchase properties
• Next action steps
Register at
info.realestateinvestar.com.au/premium-membership-
consultation

36. Poll: Would you like a
free consultation?

37. Q&A Session