Starts With You Making a Decision

Are you sitting on a pile of cash, but the thought of investing in property makes you break out in a cold sweat?

I bet you’ve been mulling over the idea of investing in property for a while now.

Perhaps you’ve been daydreaming about owning a piece of land in a prime location or generating passive income through rental properties.

Maybe you’ve had conversations with your savvy investor friends and felt like you were missing out. It’s a common feeling, but it’s never too late to get in on the action!

Whatever your goals are, I understand that taking that first step can feel overwhelming and downright scary. Let’s unpack those fears and plunge into learning more about property investment!

(But first, let's address procrastination)

Procrastination is the enemy of progress!

Every day that goes by without investing in property is a day you could earn rental income and make lots of capital growth. The longer you put off your investment dreams, the more you're missing out on potential profits. Remember, time is money!

Let’s break it down…

Investing in property is one of the most lucrative ways to grow your wealth.

It’s been proven time and time again that property is a long-term investment if done right, compared to other investment options out there.

You get to sit back and relax in the sunshine while your investment does all the work for you!

And it’s not just about the potential for great returns but also about the freedom and flexibility that comes with having a steady stream of rental income.

That means having more than enough cash for fun and adventure in your golden years!

Whether you’re starting with just one property or planning to build your portfolio, it can be easier than you might think. Imagine owning multiple properties that generate income and appreciate in value over time. It’s not just a smart financial move. It’s a fun and rewarding journey. There’s nothing like the thrill of finding your next great investment property and watching your portfolio go up in value in a property boom!

Ok, so maybe you know all that, and yes, property investing is a great idea - but still, it’s extremely daunting! There are so many factors to consider, and it’s a big financial commitment. Investing in property involves handing over a lot of money and putting your trust in a mortgage broker. It’s totally normal to feel a little uneasy about it.

Because it is a big deal!

But I promise to hold your hand through the whole process and make sure you feel confident every step of the way.

(Let me just stop and share a little insider tip with you)

Many people make the mistake of renting out their homes when they upgrade to a new house. But what they don’t realise is that their equity is stuck in their old house! The right way to invest in property is to buy a house specifically for investing. A property that ticks all the boxes for a smart investment.

Hello, that’s where I come in. I can help you find the perfect investment property that will give you a solid return on your investment and won’t tie up all your equity in your owner-occupied home.

I have a long list of satisfied clients and a proven track record of success.

Our strategy and creativity are very effective when it comes to finding the right property.

So if you're looking for someone to bat for you and come out on top. We are your team!

Oh, and let me tell you about my little black book of mortgage lenders, builders, accountants and solicitors. These are my go-to connections that I’ve built over the years, and I love nothing more than putting them to work for you.

I’ve built a network of trusted relationships with a variety of lenders and financial institutions. This means I have the inside scoop on a wide range of mortgage options, and I’ll get you the best possible interest rates and the most tax-effective structure for your investment property. We love negotiating with lenders for the best rate and playing one against the other. I’m in your corner the whole way.

I’m also the kind of person who likes to see the big picture, so I’ll take a deep dive into your world to understand what you’re all about. Every client is unique, so I offer a personalised service tailored to your specific goals. And if you don’t know what those goals are yet, I’ll help you figure it out. I’ll show you how to build wealth through smart property investing and share ALL my knowledge, strategies and secrets with you.

 So what’s holding you back?

 Maybe you’re worried about taking on more debt?

Investment debt is not the same as your home loan debt. When you take out a loan for an investment property, you have the advantage of having your tenants help pay off the mortgage. Plus investing in property also comes with some awesome tax benefits, including crazy deductions on expenses like mortgage interest, property taxes and repairs.

That’s more money in your pocket! Ka-ching!

 Ah, but what if you can’t get a tenant?

 Or if you get a tenant and they don’t pay the rent?

 What if the tenants trash the house?

 No need to stress. I’ve got you covered with all the answers to those questions and more:

  What if the property market takes a dip?

·       Is there a risk of losing my property?

·       What if I lose my job?

·       What if interest rates continue to rise?

·       What if unexpected events like war affect the property market?

(See the FAQ section for answers)

Nothing gives me more joy than helping my clients achieve financial goals and seeing them thrive. With more than 20 years of experience as a mortgage broker, I’ve worked with countless clients to help them purchase their dream investment properties.

And let me tell you, I’ve seen all the mistakes.

And I mean ALLL the mistakes.

In fact, I’ve made my fair share of mistakes along the way too, and that’s why I’m passionate about guiding others on their investment journey. I’ll share with you all of the valuable insights, tactics and methods I have gained throughout my career.

I believe in keeping everything crystal clear. No jargon, no hidden surprises and definitely no unexpected fees. You can trust me to be open and honest about your options and the cost associated with your mortgage.

I’ll be there to guide you through every step of the process, answering any questions you have and, once again, making sure you feel confident in your decisions. I believe that transparency is the key to building trust, and it’s the reason why I have lasting relationships with my clients. So get ready to learn, and let’s make some money moves!

 Here's how the process works in 6 simple steps:

 Step 1 – 15 Minute Phone Call:

We’ll start with a quick 15-minute phone call where we’ll discuss your plans and what you’re hoping to achieve working with me. We’ll also get an overview of your finances, including how much your house is worth, your home loan balance, and your income. If we’re a good fit, we’ll make an appointment to meet in person, and it won’t cost you a thing!

 Step 2 – Free Appointment:

In this step, we’ll deep dive into your finances and your short-term and long-term goals such as retirement, big holidays, kids and big-ticket items. We’ll discuss how we can save you money by negotiating with the best lenders compared to your current loans, potentially saving you thousands! I’ll also explain exactly how we can help you and how much I charge. Additionally, I’ll use my tools to calculate every cost the property could have, including your tax deduction, and give you a figure of out-of-pocket costs. I’ll work out the loan structure to maximise your tax deductions, and we’ll look at examples of investments I’ve done for other clients in your price range.

Step 3 – Loan Submission:

Once we’ve established the best loan option, we’ll submit your loan application and work to secure preapproval. We won’t start looking for properties until preapproval is in place.

 Step 4 – Look for the Property:

In this step, we’ll search for properties that meet your criteria. I’ll gather a land contract, fixed-price building contract, and rental appraisal from an independent real estate agent. I’ll work out the purchase price and rent yields, including all costs, such as management fees, rates, insurance, etc. Using the program you saw at our initial appointment; we’ll also consider all the tax deductions, including depreciation.

Step 5 – Get Loan Fully Approved and Exchange on the Land:

Once we’ve found a property that meets all the criteria, we’ll get the loan fully approved and exchange on the land. We’ll discuss land settlement and build times, which can vary depending on the property.

 Step 6 – We’ll Hold Your Hand Every Step of the Way:

During the entire process, we’ll provide ongoing support and assistance.

Mel from my office will look after your bank progress payments throughout the building process. At any time, if you’re unsure about anything, you’ll have my direct number, and I’ll update you at each stage of the process. We’ve got you the whole way through!

 Ok, hopefully, you’re feeling less afraid now and ready to take the first step towards turning your property investment dreams into a reality.

No more procrastinating…

Pick up the phone and book your free appointment.

I’m always here and ready to help you.

Let’s make it happen together!

  {Book an appointment button}

 “Jodie has a wealth of knowledge and was able to put us at ease and guide us through the whole investing process. We’ve already completed two investment properties and are excited to continue working with her and her team at Money Trends to build our portfolio into the future. What’s even better, Jodie is always looking for ways to reduce our costs and streamline our accounts She’s not just helping us with property investment, but also with achieving our home improvement goals. Highly recommended!”

-        Troy and Kirsty Amidy