National Rental Affordability Scheme. NRAS and Mistakes to AVOID!

Save this PDF as:

Size: px
Start display at page:

Download "National Rental Affordability Scheme. NRAS and Mistakes to AVOID!"

Transcription

1 National Rental Affordability Scheme NRAS and Mistakes to AVOID!

2 CONTENTS Contents...1 Introduction... 2 Brief Over view of NRAS...3 Key Facts About NRAS...5 NRAS Incentives... 7 NRAS and Mistakes To Avoid! Looking seriously at NRAS Don t Become Blinded by the Cashflow Potential of NRAS Do Your Due Diligence Assessing the Balance between Purchase Price and your Tax Rate Not Assessing the Level of Rental Discount Considering the Timing of Incentives Considering Financing Restrictions Understanding Head Lease vs. Direct Tenancy Structures Considering Termination Provisions Considering the Eligible Tenant Pool in the Area Obtain Professional Advice! Contact us Our contact details: No Advice Warning

3 INTRODUCTION We are delighted to provide you with a copy of our Information Guide on the National Rental Affordability Scheme (also referred to as NRAS). NRAS is a Federal and State Government initiative that can provide property investors with exceptional outcomes, potential property investors should consider NRAS before making any investment decision. In reviewing NRAS however many investors are making mistakes that can and should be avoided. Our purpose in providing this NRAS Information Guide is to help you understand those potential mistakes in the hope that you will avoid them. We trust that what you read in this Information Guide is beneficial to you and assists you in considering whether an NRAS investment is right for you. Increasingly, property investors are looking to NRAS as a way of adding cash flow positive properties to their investment portfolio. Like with any investment, there are potential risks to consider and mistakes that can be made. Both experienced and inexperienced property investors are at the same risk of making mistakes when considering an NRAS investment. As always we encourage you to seek advice from suitably qualified professionals prior to making any investment decision. This NRAS Information Guide is designed to help you avoid making these Mistakes! 2

4 A Brief Over View of NRAS: NRAS is a joint initiative of the Federal and State governments, created by the Council of Australian Governments (COAG) as part of a strategy to delivery 50,000 affordability rental dwellings throughout Australia. NRAS has been established to: Increase the supply in affordable rental dwellings. Reduce rental costs for working rental households. Encourage large-scale investment in affordable housing. The scheme aims to facilitate the delivery of new affordable rental properties through the provision of significant incentives to property investors over a period of ten (10) years. It should be noted, however, that: NRAS is not a public housing program; It is a tax / cash incentive to encourage more private investment in the affordable price range of the residential construction market. NRAS approvals are more likely to be granted for residential developments for the following reasons: Within close proximity to services education, retail, medical, transport, etc. Close to employment and industry. Located in an area that has an undersupply of affordable housing. The scheme is open to a range of household types on low and moderate incomes. Under the scheme, NRAS dwellings must be rented to Eligible Tenants who meet the NRAS income thresholds. It is very important to note that NRAS dwellings must be rented out at a rate that is at least 20% below the prevailing market rates and in the case of certain types of properties (generally inner-city apartments) at 30% below market rates. Income limits are intended to include key and essential service workers such as childcare workers, nurses, police officers and fire-fighters. 3

5 The current initial income limit for a single adult is $44,128 per annum, increasing to $104,913 per annum for a couple with three children. This assessment is made on the income for the 12 months prior to occupation. NRAS then allows for tenant salary increases of 25% above the income limits. For example, with the income increase allowance, a couple, with three children, could earn up to $131,141 for up to two years before they become ineligible for the discounted rent, or up to $55,160 in the case of a single person household. See Table below: Household Type Entry income level ($) Upper income level to maintain eligibility ($) Single person 44,128 55,160 Two adults 61,006 76,258 Sole parent with 1 child 61,049 76,312 Sole parent with 2 children 75,685 94,606 Couple with 1 child 75,641 94,553 Couple with 2 children 90, ,847 Couple with 3 children 104, ,141 4

6 KEY FACTS ABOUT NRAS: The following points should prove useful to in providing an overview and to dispel some myths and misconceptions about NRAS property investments: NRAS dwellings are private owned property, just like your family home or other residential property. The Australian Government has made a 10 year commitment to NRAS. The Scheme is managed and regulated under the legislative framework provided through the National Rental Affordability Scheme Act NRAS properties cost no more to purchase than the equivalent non NRAS property. Operating agreements between the scheme operator and individual investors can vary considerably. Investors should familiarise themselves with the specific provisions of the scheme operator agreement (and seek professional advice) before deciding on a particular investment. Some key differences from scheme-to-scheme are as follows: Some schemes operate on a head-lease structure where the scheme operator leases the property from the investor for a 10-year period and in turn sub-leases it to a qualifying tenant. Under this structure the investor has little or no control over the selection of tenants or the selection of the property manager (with the scheme operator generally taking care of both). Other schemes provide for the investor to select their own property manager and in turn enter into direct residential tenancy agreements with their tenants (and involve themselves in tenant selection). The type of properties included in each scheme can vary considerably, with some scheme operators targeting suburban three-four bedroom house & land packages, medium density properties and others focus on inner-city and urban apartments. 5

7 The ability to terminate the agreement with the scheme operator during the 10-year NRAS Incentive period can vary, with some schemes being very restrictive and others providing greater flexibility. NRAS was designed to stimulate the building of new affordable rental dwellings. Therefore, strict limits are in place as to the types of properties that would be eligible for incentives under the scheme. Although there are limited exceptions, generally a dwelling must be brand new. NRAS homes can be bundled with non-nras properties: for example, there may be only a minority of NRAS properties in a multi-storey development, with other properties sold offthe-plan to homebuyers and individual investors. NRAS dwellings can generally be sold without penalty during the 10 year holding period in the following circumstances: The dwelling is sold to another investor who undertakes to comply with NRAS obligations; or An equivalent dwelling is offered as a substitute dwelling for the remaining part of the 10-year period; or Where the agreement with the scheme operator provides for early termination (generally with some form of pre-agreed penalty needing to be paid). At the end of the NRAS 10 year period, the investor has no ongoing obligations to the scheme operator or the Australian Government. Where dwellings are approved under NRAS, investors should be aware that this does not mean that the Australian Government endorses, guarantees, or secures the investment in any way. 6

8 NRAS INCENTIVES It is worth repeating that the NRAS is not a public housing scheme. It is, rather, a tax incentive to induce more private investment in the lower price range of the residential market. The financial incentive, payable either as a grant or refundable tax offset, is paid annually for up to 10 years. To remain eligible to receive the NRAS incentive, the investor must rent their property to low and moderate income households at a rate that is at least 20% below prevailing market rates. The Scheme offers annual incentives for ten years. Investors wishing to receive the incentives need to ensure that they have applied correctly using the appropriate forms and procedures. Incentives are currently set at the following rates (although this will increase on a year-to-year basis in line with the residential rental component of the CPI figures): Commonwealth Government Incentive currently of $7,143 per dwelling per year as a refundable tax offset. State or Territory Government Incentive currently $2,381 per dwelling per year in direct or in kind financial support. This means that incentives total $9,524 for the current financial year. 7

9 NRAS and Mistakes TO AVOID! Now that you have read the brief overview of NRAS, let s look at the Mistakes that (in our opinion) investors can make when reviewing an NRAS investment, we hope we can help you avoid them. LOOK seriously at NRAS DO NOT avoid looking seriously at NRAS because you think it is government housing. NRAS is a scheme devised by the government to provide incentives for investors to invest in new dwellings that can be rented to lower to middle income earners because of what is emerging as a chronic shortage of supply of affordable rental accommodation in particular in and around our capital cities. NRAS is not government or social housing Eligible Tenants can be gainfully-employed hardworking singles and families in all sorts of professions and trades. They are nurses, police officers, and government employees, child care workers, chefs and carpenters, business graduates and many others either starting their careers or building their families. They are single or married and with or without children. They are from all walks of life. Of course considering your potential tenant pool within the area and price range of a specific investment is as critical with an NRAS investment as it is with any property investment. 8

10 Don t Become Blinded By The Cashflow Potential Of NRAS Becoming blinded by the cashflow potential of NRAS without properly considering the area for capital growth and Tenant Pool is one of investors BIGGEST mistakes. The cashflow numbers speak for themselves when investing in an NRAS property, the higher your tax rate, the more attractive the cashflow benefits can be. For Example: On a $335,000 investment with a tax rate of 45% and 100% financing, a non-nras investment property will be cash negative by around $32 per week after tax. The same value property in NRAS would be more than $130 per week after tax cash positive! But don t fall in love with the cashflow too soon. And don t get caught buying just any NRAS property, in any location, without considering a myriad of issues including a proper assessment of the capital growth prospects of the suburb, city and state. If like most property investors you are looking to accumulate wealth through capital growth over time it is essential that the property is an attractive investment from a growth perspective whether or not it is included in NRAS. Ask yourself, without these great cashflow incentives would I buy THIS property anyway. If the answer is NO WAY or PROBABLY NOT then forget it. They may not be easy to find but high-quality NRAS properties in high-growth areas do exist and this is what you should be looking for! 9

11 Do Your Due Diligence Failing to do proper due diligence on a development, the market or the specific developer is another common mistake. Don t fall into the trap of believing that because the Federal and State governments provide NRAS incentives and approve NRAS operators that somehow they endorse or have completed due diligence on specific developments, markets or developers. In any property development, it is essential that you do your due diligence on the market, the development and most critically the developer. Look for new landmark projects being built by names that you know and who have a proven track record of success in completing quality projects that get sold, get rented and have healthy re-sales and re-letting rates. Again, when looking for NRAS properties these may be few and far between but they do exist. Some of Australia s leading developers with strong track records are participating in NRAS, so make sure you find them! 10

12 Assessing the Balance between Purchase Price and your Tax Rate Not properly assessing how the balance between the property purchase price and your tax rate can impact the effectiveness of NRAS incentives. Your marginal tax rate will have a big impact on whether or not your new NRAS property is cash positive (on 100% financing). For example, on a marginal rate of 45% a $335,000 NRAS property could be cash positive by around $124 per week after tax. This changes to $79 per week cash positive after tax on a 37% tax rate and further changes to $39 per week after tax on a 30% rate. Outside of NRAS the same $335,000 investment would likely be around $90 per week cash negative after tax on a 30% rate. NRAS investments can be effective inside SMSFs as well; even though the tax rate drops to 15%. With a SMSF you are going to need to contribute at least a 20%deposit to gain bank financing. NRAS can make sense inside your SMSF, particularly when considering the capital gains tax benefits that normally apply when selling a SMSF asset. As a general rule, on the same tax rate, the higher the value of the property in NRAS, the less the cashflow benefit tends to be. For example, on a 37% tax rate as in the example mentioned above a $335,000 NRAS property might be $79 per week cash positive after tax, whilst a $425,000 property drops to being $34 per week cash positive. Move up the scale to $550,000 and the equation goes to negative $8 per week. This is not to say you may not still be attracted to investing in a higher value property to gain control of a higher valued asset that has the potential to present greater capital gains over time BUT you do need to consider the purchase price versus cashflow benefit equation properly before investing. 11

13 Not Assessing the Level of Rental Discount Another mistake that we see people make is to not assess the level of discount that the specific investment will have to be offered at and not realising that different NRAS properties are required to be rented at different discounts to Market Rental Valuation. In assessing an NRAS investment don t make the mistake of thinking that all NRAS properties are required to be rented at a 20% discount to Market Rental Valuation. In some cases the required discount to market will be up to 30%. This is because an assessment needs to be made by the NRAS operator as to the ultimate affordability of the rental for Eligible Tenants in the locality. Generally, more expensive inner-city properties will be required to be discounted by higher rates (25% or 30%) because otherwise Eligible Tenants would still not be able to properly afford to rent them. Don t make the mistake of thinking that properties that must be rented at say a 30% discount should be avoided however as these are quite possibly high-quality properties such as inner-city apartments with strong capital growth prospects. 12

14 Not Considering the Timing of Incentives Not considering the timing of incentives and costs from a monthly cashflow perspective is yet another mistake. As with any form of investment, in particular a financed property investment, you need to consider the timing of cash flow. Your annual NRAS incentive (currently $9,524) will represent a significant portion of your annual inflows. But if cashflow is tight (whether inside or outside SMSF) your incentive won t be much help if you need to wait a year to collect it and need to fund your financing and other costs in the mean time. You need to seek professional tax and accounting advice to consider if you can claim your incentive during the year through a withholding variation. Some restrictions may apply so make sure you understand these BEFORE committing to your NRAS investment. Also, withholding variations will not apply for SMSFs and are not much use unless you are a PAYG tax payer either. 13

15 Considering Financing Restrictions Making the mistake of not considering financing restrictions that may apply when financing an NRAS investment. Firstly, the most important thing to check is whether the particular NRAS operator is APPROVED BY YOUR PREFERRED LENDER. That s right. All lenders have a list of NRAS operators that they have approved and will not finance property investments that are in NRAS schemes that are not on their list! If an operator is not on a specific lenders approved list it may just be a case of the lender having not yet completed due diligence on that particular operator and other lenders may have them on their approved list. But if you intend to use a specific lender (say your existing home mortgage provider to keep it simple when using your home as security) you must ensure that the operator is approved on your lender s list BEFORE SIGNING A CONTRACT. Many lenders limit the LVR (loan to value ratio) for NRAS properties. This may mean that you need a larger deposit, or that you need a higher percentage of equity in your home or other properties if you intend to use them as security in a 100% financing scenario. Most significantly, some lenders do not consider the NRAS incentives when assessing your ability to service the loan on an NRAS property. This can negatively impact your DSR (debt servicing ratio). Consider this, if we use the example of, 100% financed negative gearing scenario outside of NRAS which requires the borrower to be able to comfortably service a negative cashflow. The same property inside of NRAS is cash positive, however if the lender excludes the NRAS incentives from their calculations the base cashflow negative. Make sure you understand fully whether your proposed lender will include none, part or all of the NRAS incentives in assessing your ability to service. 14

16 Understanding Head Lease Vs. Direct Tenancy Structures It is CRITICAL that you know and understand the differences between head lease and direct residential tenancy agreement structures and the costs associated with each. Many NRAS operators utilise a head-lease structure. In effect this means that you are leasing your property for the NRAS term (10 years) to the NRAS operator and in turn they sub-lease it to an Eligible Tenant. In such cases you will have limited or no control over the selection of either the managing agent (generally head-lease operators are the managing agent) and little or no control over the selection or approval of the tenant. In fact, you will generally not be a party to the tenancy agreement so will have limited legal standing at the tenancy agreement level. In our opinion these structures are to be avoided in most circumstances. Other NRAS operators allow you to appoint a managing agent of your choice and in doing so, provide you with the opportunity and right to participate in tenant selection. (subject to eligibility criteria). In these cases you are a party to both the agency agreement and residential tenancy agreement and the NRAS operator has little or no legal standing in either. In our opinion if you are investing in an NRAS property you should insist on this latter type of structure as in effect it mirrors normal residential property investment arrangements. 15

17 Considering Termination Provisions To invest without properly considering termination provisions or restrictions is a mistake that you should not make. NRAS agreements are for a 10 year period. Whilst we believe that all property investments should be considered with a 7-10 year outlook, 10 years is a long time in anyone s language. As such you should not make the mistake of not properly understanding your rights, restrictions and opportunities if circumstances arise whereby you wish to terminate the NRAS agreement. Many NRAS operators have restrictive termination provisions, particular under head-lease structures. Others have more flexible termination provisions with as little as two month s notice being required and no reason for termination needing to be provided. Under such structures generally a nominal termination penalty is applied, normally at a rate of around $300 pa for each remaining NRAS year. Of course any termination of your NRAS agreement needs to also consider the underlying tenancy agreement termination provisions and the tenant s rights. This is another reason to prefer NRAS operators that do not use a head-lease structure. When you are not on the head lease structure you will generally be using a standard residential tenancy agreement as you would with any non-nras investment and will be aware of (and in control of) the tenancy termination provisions. 16

18 Considering the Eligible Tenant Pool in the Area Don t make the mistake of not considering the type and size of the Eligible Tenant pool in the area for the specific type of property you are investing in. What type of property are you investing in? Is it a one-bedroom inner-city apartment suitable for occupation by a single person? Or is it a three or four-bedroom house or townhouse in the suburbs designed for a family? Don t make the mistake of jumping into an NRAS investment without properly assessing whether the property meets the local market demand or without properly considering how many Eligible Tenants you might have to choose from in the local area. This is the same assessment that you would make with any non-nras investment but it becomes even more important in the case of NRAS because you will be looking for high-quality tenants that fall within the Eligibility criteria. 17

19 Obtain Professional Advice! NRAS is an exciting program that can offer outstanding cashflow and exciting capital growth prospects for investors. At the same time there are many issues to consider and many mistakes that can be made if you do not research the scheme and the specific investment opportunities within it and obtain sound advice from legal, financial and tax and accounting specialists. Be sure to consult one or more of your professional advisors prior to making a final decision to invest in an NRAS property! CONTACT US You can make an appointment or call and ask any questions you like! Contact Tony Freese Direct Line:

20 NO ADVICE WARNING This NRAS Information Guide contains general information only. It has been prepared without taking into account your personal objectives, financial situation or needs. You should consider any advice in this NRAS Information Guide in light of your personal objectives, financial situation or needs before acting on it. You may wish to consult a licensed financial adviser to do this. The information in this NRAS Information Guide is no substitute for financial advice. If you are considering acquiring a financial product you should obtain a Product Disclosure Statement and consider its contents before making any decisions. 19

Create a Cashflow Positive Portfolio Through NRAS Properties

Create a Cashflow Positive Portfolio Through NRAS Properties Create a Cashflow Positive Portfolio Through NRAS Properties TABLE OF CONTENTS: For those looking for an investment scheme that works then look carefully at the National Rental Affordability Scheme (NRAS).

More information

Rental. National. Affordability. the Questus Residential Investment Fund. National Rental Affordability Scheme and NRAS

Rental. National. Affordability. the Questus Residential Investment Fund. National Rental Affordability Scheme and NRAS and the Questus Residential Investment Fund National Rental Affordability Scheme NRAS A GOVERNMENT INCENTIVE NATIONAL RENTAL AFFORDABILITY SCHEME 105 Railway Road Subiaco WA 6008 PO Box 1533 Subiaco WA

More information

Investment Guide. home loans

Investment Guide. home loans Investment Guide home loans Your investment journey With the right finance solution, a property investment can build your wealth and improve your financial security. There are hundreds of thousands of

More information

NRAS Housing Application Form

NRAS Housing Application Form NRAS Housing Application Form Contact us on: P: 1300 333 733 PERSONAL DETAILS Please tick [] the correct box or write in your answer. Title Mr Ms Miss Mrs Family name Given Names Home address Postal address

More information

Audio #26 NRAS NRAS

Audio #26 NRAS NRAS NRAS Dymphna: Welcome everybody to iloverealestate.tv. Great to have you guys listening again and once again, I have a fabulous guest speaker to come and talk to you. Now we re talking about something

More information

NSW Affordable Housing Guidelines. August 2012

NSW Affordable Housing Guidelines. August 2012 August 2012 NSW AFFORDABLE HOUSING GUIDELINES TABLE OF CONTENTS 1.0 INTRODUCTION... 1 2.0 DEFINITION OF KEY TERMS... 1 3.0 APPLICATION OF GUIDELINES... 2 4.0 PRINCIPLES... 2 4.1 Relationships and partnerships...

More information

Special Report. Australia s Cheapest Suburbs with the Greatest Potential for Capital Growth. For more reports head to

Special Report. Australia s Cheapest Suburbs with the Greatest Potential for Capital Growth. For more reports head to Demand Supply Ratio Market Report Special Report Australia s Cheapest Suburbs with the Greatest Potential for Capital Growth Market: Australia Created by: hotspotcentral.com.au Contact: t: 1300 200 340

More information

Dual Income Property Strategy

Dual Income Property Strategy Dual Income Property Strategy Contents: WHAT IS A DUAL INCOME PROPERTY PAGE 4 ADVANTAGES PAGE 6 DISADVANTAGES PAGE 8 CASE STUDY PAGE 10 IMPORTANT CONSIDERATIONS PAGE 14 FREQUENTLY ASKED QUESTIONS PAGE

More information

Some homes may not be eligible and in those cases we will try to find an alternative property that you can buy.

Some homes may not be eligible and in those cases we will try to find an alternative property that you can buy. 1. Introduction The Voluntary Right to Buy (VRTB) is an 18 month government-led pilot scheme which gives assured tenants of housing associations in the Midlands area the right to buy their home at a discounted

More information

Shared Ownership. Buyers Guide

Shared Ownership. Buyers Guide Shared Ownership Buyers Guide Shared Ownership Shared Ownership provides an affordable way to buy a home. You purchase a share in a brand new home and pay a subsidised rent on the part you don t own. In

More information

MAXIMUM RENTAL INCOME MINIMUM EFFORT

MAXIMUM RENTAL INCOME MINIMUM EFFORT The Home of Urban Living Landlord Guide MAXIMUM RENTAL INCOME MINIMUM EFFORT WELCOME TO PARKLANE THE HOME OF URBAN LIVING Parklane is one of Leeds premier letting and property management companies. With

More information

Shared Ownership: The Absolute Truth

Shared Ownership: The Absolute Truth Shared Ownership: The Absolute Truth Shared Ownership: The Absolute Truth Are you looking to buy a property and realising how difficult it is to find something that you want, in an area you like at a price

More information

The Investor s Guide For Success With Commercial Property

The Investor s Guide For Success With Commercial Property The Investor s Guide For Success With Commercial Property The 3 Fears When Investing in Commercial Property 5 Dreaded Mistakes to Avoid with Commercial Property 3 Common Misconceptions Causing You to Miss

More information

A Guide To Fully Managed Property Investments (0)

A Guide To Fully Managed Property Investments (0) A Guide To Fully Managed Property Investments + 44 (0) 1708 922 222 info@sterlingwoodrow.co.uk www.sterlingwoodrow.com 1 Contents Introduction 3 4 6 8 13 14 17 18 19 21 Introduction Facts & Figures The

More information

Review of rent models for social and affordable housing. Submission on the Independent Pricing and Regulatory Tribunal Draft Report

Review of rent models for social and affordable housing. Submission on the Independent Pricing and Regulatory Tribunal Draft Report Review of rent models for social and affordable housing Submission on the Independent Pricing and Regulatory Tribunal Draft Report May 2017 This report was prepared by: Deborah Georgiou NSW Federation

More information

The purpose of this policy is to outline how Bridge Housing Limited (Bridge Housing) calculates rent and manages the bi-annual Rent Review process.

The purpose of this policy is to outline how Bridge Housing Limited (Bridge Housing) calculates rent and manages the bi-annual Rent Review process. Rent Purpose The purpose of this policy is to outline how Bridge Housing Limited (Bridge Housing) calculates rent and manages the bi-annual Rent Review process. Scope This policy applies to all tenants

More information

Individual Property Report. Cambooya Toowoomba, QLD 4358, Australia

Individual Property Report. Cambooya Toowoomba, QLD 4358, Australia Individual Property Report Address: Cambooya Toowoomba, QLD 4358, Australia Contents Your Property Risk Summary Property Details Suburb Metrics Market Overview Equity Risk Factors Cash Flow Risk Rating

More information

The National Rental Affordability Scheme

The National Rental Affordability Scheme The National Rental Affordability Scheme Tenant Consent Form The National Rental Affordability Scheme ('NRAS' or 'the Scheme') seeks to address the shortage of affordable rental accommodation by offering

More information

Please ensure that you have included the following information when returning your housing application for all household members aged 18+:

Please ensure that you have included the following information when returning your housing application for all household members aged 18+: Please ensure that you have included the following information when returning your housing application for all household members aged 18+: Address Dwelling ID Property Code Completed and Signed Application

More information

The National Rental Affordability Scheme Tenant Consent Form

The National Rental Affordability Scheme Tenant Consent Form The National Rental Affordability Scheme Tenant Consent Form The National Rental Affordability Scheme ('NRAS' or 'the Scheme') seeks to address the shortage of affordable rental accommodation by offering

More information

To make money in short-sale foreclosures you must

To make money in short-sale foreclosures you must C H A P T E R1 Make Money in Short-Sale Foreclosures To make money in short-sale foreclosures you must first understand foreclosures. Two strategies to make money in foreclosures are quick cash and long-term

More information

ROLE OF SOUTH AFRICAN GOVERNMENT IN SOCIAL HOUSING. Section 26 of the Constitution enshrines the right to housing as follows:

ROLE OF SOUTH AFRICAN GOVERNMENT IN SOCIAL HOUSING. Section 26 of the Constitution enshrines the right to housing as follows: 1 ROLE OF SOUTH AFRICAN GOVERNMENT IN SOCIAL HOUSING Constitution Section 26 of the Constitution enshrines the right to housing as follows: Everyone has the right to have access to adequate housing The

More information

Representation re: Sullivans Cove Planning Scheme /2015 Amendments - Macquarie Point Site Development: Affordable housing

Representation re: Sullivans Cove Planning Scheme /2015 Amendments - Macquarie Point Site Development: Affordable housing General Manager, Hobart City Council, GPO Box 503, Tas 7001 16 November, 2015 Representation re: Sullivans Cove Planning Scheme 1997-2/2015 Amendments - Macquarie Point Site Development: Affordable housing

More information

Special Property Hotspot Report

Special Property Hotspot Report Special Property Hotspot Report Australia s Cheapest Suburbs with the Greatest Potential for Capital Growth for 2015 Market: Australia Created by: hotspotcentral.com.au Contact: t: 1300 200 340 For more

More information

Easy Legals Avoiding the costly mistakes most people make when buying a property including buyer s checklist

Easy Legals Avoiding the costly mistakes most people make when buying a property including buyer s checklist Easy Legals Avoiding the costly mistakes most people make when buying a property including buyer s checklist Our Experience is Your Advantage 1. Why is this guide important? Thank you for ordering this

More information

Do You Want to Buy a Home but have Poor Credit or Little in Savings?

Do You Want to Buy a Home but have Poor Credit or Little in Savings? Do You Want to Buy a Home but have Poor Credit or Little in Savings? If you re reading this guide, you re likely considering rent to own (also commonly referred to as lease to own ) properties because

More information

things to consider if you are selling your house

things to consider if you are selling your house things to consider if you are selling your house KEEPINGCURRENTMATTERS.COM WINTER 2012 EDITION PAGE TABLE OF CONTENTS 1 3 5 7 9 House Prices: Where They Will Be in the Spring Understanding the Impact OF

More information

TACKLING SOUTH AUSTRALIA S AFFORDABLE HOUSING CRISIS

TACKLING SOUTH AUSTRALIA S AFFORDABLE HOUSING CRISIS TACKLING SOUTH AUSTRALIA S AFFORDABLE HOUSING CRISIS Public Policy Agenda November 2017 Australia is facing a social and affordable housing crisis. In South Australia 33.2% of South Australians on low

More information

Common mistakes people make when moving house ( and how to avoid them)

Common mistakes people make when moving house ( and how to avoid them) Common mistakes people make when moving house ( and how to avoid them) For many people buying or selling a home is an extremely stressful experience. Usually the process involves a chain of transactions

More information

LOT 30 TREEBY ROAD ANKETELL WA 6167

LOT 30 TREEBY ROAD ANKETELL WA 6167 FREMANTLE LOT 30 TREEBY ROAD ANKETELL WA 6167 COCKBURN CITY SHOPPING PERTH CBD AUBIN GROVE TRAIN STATION PROPOSED DISTRICT SHOPPING CENTRE SATTERLEY'S HONEYWOOD DEVELOPMENT LOT 30 TREEBY ROAD PROPOSED

More information

Housing as an Investment Greater Toronto Area

Housing as an Investment Greater Toronto Area Housing as an Investment Greater Toronto Area Completed by: Will Dunning Inc. For: Trinity Diversified North America Limited February 2009 Housing as an Investment Greater Toronto Area Overview We are

More information

Home Buying Service. In this Guide: Finding an Agent. Finding the Right House. Applying for a Loan. Home Inspections.

Home Buying Service. In this Guide: Finding an Agent. Finding the Right House. Applying for a Loan. Home Inspections. 1 In this Guide: Home Buying Service Finding an Agent Finding the Right House Applying for a Loan Home Inspections and much more 2 Inside This Guide Thank You 3 Step 1: Finding the Right Agent 4-5 Step

More information

PROPERTY MANAGEMENT GUIDE

PROPERTY MANAGEMENT GUIDE MANAGEMENT GUIDE CONTENTS #4 INTRODUCTION #10 USING HOME EQUITY #16 LANDLORD INSURANCE #6 WHY INVEST IN? #12 INVESTMENT BENEFITS #18 WHAT COSTS WILL I HAVE TO MEET? #8 DO YOUR SUMS #13 CHOOSING AN INVESTMENT

More information

POLICY BRIEFING.

POLICY BRIEFING. High Income Social Tenants - Pay to Stay Author: Sheila Camp, LGiU Associate Date: 2 August 2012 Summary This briefing covers two housing consultations; the most recent, the Pay to Stay consultation concerns

More information

3 STEP BUYERS GUIDE STEP FINANCE STEP LAND STEP HOME

3 STEP BUYERS GUIDE STEP FINANCE STEP LAND STEP HOME 3 STEP BUYERS GUIDE STEP FINANCE 1 STEP LAND 2 STEP HOME 3 STEP FINANCE 1 WORKING OUT YOUR BUDGET Before you can borrow money for your first home, you need to answer two big questions: WHAT S THE MAXIMUM

More information

Re: Comments re: Joint board meeting of January 23, 2014 on the re-deliberation plan for the Leases Project

Re: Comments re: Joint board meeting of January 23, 2014 on the re-deliberation plan for the Leases Project LEASING 101 17 Lancaster Dr. Suffern, NY 10901 Phone: 914-522-3233 Fax: 845-357-4113 wbleasing101@aol.com www.leasing-101.com Mr. Russell Golden, Chairman Financial Accounting Standards Board 401 Merritt

More information

The 7 Misleading Myths Unfairly Keeping Everyday Australians Out of the Property Market

The 7 Misleading Myths Unfairly Keeping Everyday Australians Out of the Property Market FREE Report Reveals The 7 Misleading Myths Unfairly Keeping Everyday Australians Out of the Property Market Make sure you have the right information and the truth Call us today on 1300 522 562 or email

More information

Advanced Strategy Briefing: Flipping

Advanced Strategy Briefing: Flipping Advanced Strategy Briefing: Flipping While Deals On Demand is about finding and negotiating deals successfully, we decided to include a number of advanced strategy briefings that will allow you to discover

More information

YOUR GUIDE TO SHARED OWNERSHIP. A guide to Shared Ownership

YOUR GUIDE TO SHARED OWNERSHIP. A guide to Shared Ownership YOUR GUIDE TO SHARED OWNERSHIP A guide to Shared Ownership WHAT IS SHARED OWNERSHIP? Shared Ownership is a government scheme aimed to help buyers get on to the property ladder. You only need to afford

More information

we apply for the necessary searches you make your mortgage application (if applicable)

we apply for the necessary searches you make your mortgage application (if applicable) NOTES FOR BUYERS These notes contain important information about buying a property, and we ask you to read through them carefully. They form an integral part of our conveyancing service, and we hope that

More information

Property Management. Guide

Property Management. Guide Property Management Guide IMPORTANT NOTICE: The information contained within this book is designed to provide an overview of the considerations required for ownership of an investment property. Readers

More information

A simple guide to intermediate rent

A simple guide to intermediate rent A simple guide to intermediate rent What is intermediate rent (IMR)? With IMR you can rent a brand new or previously-rented home at less than the market rate You must be registered with www.helptobuyese.org.uk

More information

Financing a farm can be a challenge. It is one thing to dream of farming, quite another to make it a reality. It is important to be realistic in

Financing a farm can be a challenge. It is one thing to dream of farming, quite another to make it a reality. It is important to be realistic in Financing a farm can be a challenge. It is one thing to dream of farming, quite another to make it a reality. It is important to be realistic in thinking about farm investments. In this segment, we ll

More information

A home of your own SHARED OWNERSHIP (PART BUY/PART RENT)

A home of your own SHARED OWNERSHIP (PART BUY/PART RENT) A home of your own SHARED OWNERSHIP (PART BUY/PART RENT) www.graingerplc.co.uk Shared Ownership Home ownership is something prior generations took for granted. Now, with rising house prices and rising

More information

Leases: Overview of the new guidance

Leases: Overview of the new guidance Leases: Overview of the new guidance Prepared by: Richard Stuart, Partner, National Professional Standards Group, RSM US LLP richard.stuart@rsmus.com, +1 203 905 5027 March 2, 2016 Introduction On February

More information

VALUING. Your Valuer. Helping your valuer help you grow your property portfolio

VALUING. Your Valuer. Helping your valuer help you grow your property portfolio VALUING Your Valuer Helping your valuer help you grow your property portfolio Valuing your Valuer: helping your valuer help you grow your portfolio ABOUT JAMES James has been a registered and qualified

More information

Contents. What type of property can I look at? Welcome to Co-Ownership. Important things to remember. What s a shared ownership plan?

Contents. What type of property can I look at? Welcome to Co-Ownership. Important things to remember. What s a shared ownership plan? Co- Own Contents 7 8 11 12 14 15 Welcome to Co-Ownership What s a shared ownership plan? Why choose Co-Own? Weighing up your options How do I get started? Step by step 16 17 19 20 22 26 What type of property

More information

London Borough of Lewisham Response to Achilles Street Stop and Listen Campaign FACT SHEET

London Borough of Lewisham Response to Achilles Street Stop and Listen Campaign FACT SHEET London Borough of Lewisham Response to Achilles Street Stop and Listen Campaign FACT SHEET 1. The Achilles Street Stop and Listen Campaign say: Lewisham Council wants to demolish decent council homes The

More information

National Rental Affordability Scheme. Economic and Taxation Impact Study

National Rental Affordability Scheme. Economic and Taxation Impact Study National Rental Affordability Scheme Economic and Taxation Impact Study December 2013 This study was commissioned by NRAS Providers Ltd, a not-for-profit organisation representing NRAS Approved Participants

More information

We ll tailor our provision to your needs, whatever they may be. Our core services are below, but it s not an exhaustive list we d run out of space!

We ll tailor our provision to your needs, whatever they may be. Our core services are below, but it s not an exhaustive list we d run out of space! About Us Adore Cardiff is a lettings agency with a difference. Based in Canton, we operate throughout Cardiff, letting and managing high quality homes on behalf of local landlords. Adore is a newly established

More information

The Right to Acquire. Contents. Contents Making an informed decision Can you buy your home? How to buy your home 7. 4.

The Right to Acquire. Contents. Contents Making an informed decision Can you buy your home? How to buy your home 7. 4. The Right to Acquire Contents Contents 1 1. Making an informed decision 3 2. Can you buy your home? 7 3. How to buy your home 7 4. Discount 9 5. Repairs 10 6. Problems with the buying procedure 10 7. Who

More information

Community Housing Federation of Victoria Inclusionary Zoning Position and Capability Statement

Community Housing Federation of Victoria Inclusionary Zoning Position and Capability Statement Community Housing Federation of Victoria Inclusionary Zoning Position and Capability Statement December 2015 Introduction The Community Housing Federation of Victoria (CHFV) strongly supports the development

More information

The cost of increasing social and affordable housing supply in New South Wales

The cost of increasing social and affordable housing supply in New South Wales The cost of increasing social and affordable housing supply in New South Wales Prepared for Shelter NSW Date December 2014 Prepared by Emilio Ferrer 0412 2512 701 eferrer@sphere.com.au 1 Contents 1 Background

More information

What can you expect from your next steps worksheet?

What can you expect from your next steps worksheet? What can you expect from your next steps worksheet? By the end of your next steps worksheet you ll have identified: 1. Where you are right now in terms of your property investing goals. 2. Where you want

More information

Thinking of becoming a developer?

Thinking of becoming a developer? Thinking of becoming a developer? A simple message from Peter Comben When acquiring wholesale property to achieve 100% finance is the near impossible in today s market, investors turn to development. With

More information

Guide to the housingmoves scheme

Guide to the housingmoves scheme A very warm welcome to housingmoves. You are probably reading this because you would like to move to another part of London. You might want to be closer to your job or training course. You might want a

More information

Your Guide to Shared Ownership

Your Guide to Shared Ownership Your Guide to Shared Ownership YOUR GUIDE TO SHARED OWNERSHIP Metropolitan is one of the UK s leading providers of affordable housing and care and support services. We own and manage a large portfolio

More information

OPTIVO S GUIDE TO SHARED OWNERSHIP

OPTIVO S GUIDE TO SHARED OWNERSHIP OPTIVO S GUIDE TO SHARED OWNERSHIP Are you interested in Shared Ownership, but don t know much about it? Our handy guide is here to help. If you re struggling to buy your own home, Shared Ownership could

More information

Home Buying Service. In this Guide: Finding an Agent. Finding the Right House. Applying for a Loan. Home Insp ections.

Home Buying Service. In this Guide: Finding an Agent. Finding the Right House. Applying for a Loan. Home Insp ections. In this Guide: Home Buying Service Finding an Agent Finding the Right House Applying for a Loan Home Insp ections and muc h more Inside This Guide Thank You 3 Step 1: Finding the Right Agent 4 Step 2:

More information

TO LET. Your guide to Buy to Let. Protection made easier by Legal & General

TO LET. Your guide to Buy to Let. Protection made easier by Legal & General TO LET Your guide to Buy to Let Protection made easier by Legal & General 2 Welcome to Legal & General s Buy to Let guide. We hope you find this useful when considering whether to purchase a Buy to Let

More information

Real Estate Reference Material

Real Estate Reference Material Valuation Land valuation Land is the basic essential of property development and unlike building commodities - such as concrete, steel and labour - it is in relatively limited supply. Quality varies between

More information

APPENDIX A DRAFT. Under-occupation Policy

APPENDIX A DRAFT. Under-occupation Policy APPENDIX A DRAFT Under-occupation Policy Published: August 2013 1 1 EXECUTIVE SUMMARY 1.1 The introduction of the Welfare Reform Act 2012 has led to cuts in the amount of housing benefit people receive

More information

REAL ESTATE INVESTING GUIDE. Combine IRA tax advantages with real estate investment opportunities.

REAL ESTATE INVESTING GUIDE. Combine IRA tax advantages with real estate investment opportunities. REAL ESTATE INVESTING GUIDE Combine IRA tax advantages with real estate investment opportunities. INTRODUCTION The IRS allows an IRA, Solo 401(k), or HSA to acquire real estate as an asset without penalty

More information

London Tenants Federation Genuinely affordable housing or just more of the affordable housing con?

London Tenants Federation Genuinely affordable housing or just more of the affordable housing con? London Tenants Federation Genuinely affordable housing or just more of the affordable housing con? Briefing about new and rebranded affordable housing types and delivery targets. Produced July 2017 1 Genuinely

More information

NSW s leading residential property valuers

NSW s leading residential property valuers NSW s leading residential property valuers NSW Valuation Services are New South Wales leading residential property valuers. With a proven track record of providing high quality and efficient service to

More information

BUYING FOR THE FIRST TIME. A GUIDE by David Pett Solicitor/Director with MJP Conveyancing

BUYING FOR THE FIRST TIME. A GUIDE by David Pett Solicitor/Director with MJP Conveyancing BUYING FOR THE FIRST TIME A GUIDE by David Pett Solicitor/Director with MJP Conveyancing From my 16 years of working in the property market, I would have to say that the biggest mistake people make is

More information

Housing Costs and Policies

Housing Costs and Policies Housing Costs and Policies Presentation to Economic Society of Australia NSW Branch 19 May 2016 Peter Abelson Applied Economics Context and Acknowledgements Applied Economics P/L was commissioned by NSW

More information

Increasing the supply of Affordable Housing additional CGT discount and providing affordable housing through MITs

Increasing the supply of Affordable Housing additional CGT discount and providing affordable housing through MITs TaxTalk Insights Increasing the supply of Affordable Housing additional CGT discount and providing affordable housing through MITs 21 September 2017 In brief On 15 September 2017, Treasury released draft

More information

PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4

PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4 CONTENTS PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4 DEALING WITH MORTGAGE DIFFICULTIES 4 MOVING ON 5 LIVING

More information

Submission July 2014 Response to the City of Cockburn Draft Housing Affordability and Diversity Strategy

Submission July 2014 Response to the City of Cockburn Draft Housing Affordability and Diversity Strategy Submission July 2014 Response to the City of Cockburn Draft Housing Affordability and Diversity Strategy Chantal Roberts Organisation Email Executive Officer Shelter WA eo@shelterwa.org.au About Shelter

More information

Analysing lessee financial statements and Non-GAAP performance measures

Analysing lessee financial statements and Non-GAAP performance measures February 2019 IFRS Foundation The Essentials Issue No. 5 Analysing lessee financial statements and Non-GAAP performance measures Introduction Investors and company managers generally view free cash flow

More information

Joint Tenancies Policy

Joint Tenancies Policy Joint Tenancies Policy 2018 2021 Document control Policy approval April 2018 EDT Replacing/ updating Joint Tenancy Policy 2015-18 Next review date April 2021 Author Neighbourhoods & Income Business Manager

More information

A guide to housing options available through Local Authorities

A guide to housing options available through Local Authorities Housing Options A guide to housing options available through Local Authorities Published by: The Housing Agency Publication date: October 2017 Contact Details Housing Agency 53 Mount Street Upper Dublin

More information

Investment Property Letting Owner Information

Investment Property Letting Owner Information Helping you achieve your property aspirations Investment Property Letting Owner Information C o n t e n t s Investment Property Letting Owner Information Introduction to Aspire Property Management Company

More information

10 Tips for Real Estate Investors

10 Tips for Real Estate Investors 10 Tips for Real Estate Investors FINANCIAL ADVISORS TRUSTWORTHY BY DESIGN SM When you buy a home, people often remind you it could be the biggest investment you will ever make. But should you use that

More information

HAVEBURY HOUSING PARTNERSHIP

HAVEBURY HOUSING PARTNERSHIP HS0025 HAVEBURY HOUSING PARTNERSHIP POLICY HOME PURCHASE POLICY Controlling Authority Director of Resources Policy Number HS025 Issue No. 3 Status Final Date November 2013 Review date November 2016 Equality

More information

Property. Management. Performance.

Property. Management. Performance. Property. Management. Performance. 2 4 6 PROPERTY MANAGEMENT FROM A DIFFERENT ANGLE TENANCY MANAGEMENT (RESIDENTIAL LETTINGS) PRIVATE RENTED SECTOR MANAGEMENT Brunsfield specialises in residential lettings,

More information

Chapter 15 Leases 15-1

Chapter 15 Leases 15-1 Chapter 15 Leases 1. Why Leasing sometimes makes more sense 2. The accounting issues in recording a lease transaction 3. The types of contractual provisions in lease 4. The lease classification: capital

More information

Contents. off the fence. It s a good life!

Contents. off the fence. It s a good life! I hope you enjoy the latest edition of Brian Buffini s Real Estate Report. The goal of this piece is to help you stay educated on today s market and position yourself as a true professional and your clients

More information

nolans BUYING WITH US

nolans BUYING WITH US nolans BUYING WITH US WE RE EXCITED TO HELP YOU WITH YOUR PURCHASE WHAT TO EXPECT HANDY TIPS ON BUYING METHODS SIGNING ON THE DOTTED LINE LOAN REPAYMENTS STAMP DUTY CALCULATOR FIRST HOME BENEFITS & INCENTIVES

More information

Housing affordability in Australia

Housing affordability in Australia Housing affordability in Australia Evidence, implications, approaches University of Auckland Dr Ian Winter, Executive Director Australian Housing and Urban Research Institute July 2013 Key message Analysis

More information

Outstanding Achievement In Housing In Wales: Finalist

Outstanding Achievement In Housing In Wales: Finalist Outstanding Achievement In Housing In Wales: Finalist Cadwyn Housing Association: CalonLettings Summary CalonLettings is an innovative and successful social lettings agency in Wales. We have 230+ tenants

More information

The really ewes-ful guide to Rent Now, Buy Later It s shear good sense

The really ewes-ful guide to Rent Now, Buy Later It s shear good sense The really ewes-ful guide to Rent Now, Buy Later It s shear good sense Benefits for sellers Would ewe like to sell your home and have the freedom to explore pastures new? Or do you have a house that you

More information

Got too Much Space? Sublease it.

Got too Much Space? Sublease it. Got too Much Space? Sublease it. Vincent Bajardi, CCIM Senior Advisor (314) 719-2069 vbajardi@gundakercommercial.com For those of us who have been in the real estate business during challenging economic

More information

Bill 7, Promoting Affordable Housing Act, 2016

Bill 7, Promoting Affordable Housing Act, 2016 Bill 7, Promoting Affordable Housing Act, 2016 Submission to the Legislative Committee on Social Policy November 21, 2016 On behalf of the Association of Municipalities of Ontario and our members, I would

More information

FY2012 RESULTS PRESENTATION

FY2012 RESULTS PRESENTATION FY2012 RESULTS PRESENTATION 21 August 2012 INVESTMENT HIGHLIGHTS Proven track record of consistent earnings growth and meeting targets Strategically located and diverse residential portfolio Urban and

More information

trilogyfunds.com.au/industrial

trilogyfunds.com.au/industrial Trilogy Industrial Property Trust an industrial property trust that aims to provide investors with stable and regular income, and the opportunity for long-term capital growth. trilogyfunds.com.au/industrial

More information

Bucharest Profit Land Plots

Bucharest Profit Land Plots Bucharest Profit Land Plots Greenfield the next suburbia of Bucharest Own a piece of Romania, in capital city Bucharest from only 15000 per plot!! Location next to top highway in the country, near beautiful

More information

Proposed Variation to Stage 1 Proposed District Plan VISITOR ACCOMMODATION DRAFT

Proposed Variation to Stage 1 Proposed District Plan VISITOR ACCOMMODATION DRAFT Proposed Variation to Stage 1 Proposed District Plan VISITOR ACCOMMODATION Prepared by Ian Johnson, Mitchell Daysh Ltd For Bookabach Ltd Version 0.4 Residential Visitor Accommodation The Variation Alternative

More information

You must include with your form all evidence required, as detailed on page 7 in order that we can award you with the correct level of priority.

You must include with your form all evidence required, as detailed on page 7 in order that we can award you with the correct level of priority. Dear Applicant, Please find enclosed our combined Housing Application and medical questionnaire form there is no need at this stage, for your GP to provide us with any information unless you require an

More information

BOROUGH OF POOLE BUSINESS IMPROVEMENT OVERVIEW AND SCRUTINY COMMITTEE 17 MARCH 2016 CABINET 22 MARCH 2016

BOROUGH OF POOLE BUSINESS IMPROVEMENT OVERVIEW AND SCRUTINY COMMITTEE 17 MARCH 2016 CABINET 22 MARCH 2016 BOROUGH OF POOLE AGENDA ITEM 7 BUSINESS IMPROVEMENT OVERVIEW AND SCRUTINY COMMITTEE 17 MARCH 2016 CABINET 22 MARCH 2016 DEVELOPING A COMMERCIAL APPROACH TO THE USE OF ASSETS REPORT OF THE STRATEGIC DIRECTOR

More information

INVESTMENT OVERVIEW FUTURE GROWTH. NOW. HIGHGATE HILL RESIDENCES DEVELOPMENT OFFER OFFER OPENS 24 AUGUST 2015

INVESTMENT OVERVIEW FUTURE GROWTH. NOW. HIGHGATE HILL RESIDENCES DEVELOPMENT OFFER OFFER OPENS 24 AUGUST 2015 HIGHGATE HILL RESIDENCES DEVELOPMENT OFFER OFFER OPENS 24 AUGUST 2015 INVESTMENT OVERVIEW FUTURE PROPERTY HOLDINGS FUND ARSN 160 488 817 FUTURE GROWTH. NOW. Future Asset Management International (FAMI)

More information

Lease Accounting and Loan Covenants: What is the Impact?

Lease Accounting and Loan Covenants: What is the Impact? Lease Accounting and Loan Covenants: What is the Impact? Monday June 26, 2017 9:15 AM 10:30 AM Presented by: Charlie Shannon Partner Moss Adams LLP 8750 N. Central Expressway, Suite 300 Dallas, TX 75231

More information

Buy To Let Mortgage Guide

Buy To Let Mortgage Guide Buy To Let Mortgage Guide Buying an investment property is a big decision that, if planned carefully, can be very rewarding. We ve created this buy to let mortgage guide to ensure you understand exactly

More information

End of fixed term tenancy policy

End of fixed term tenancy policy End of fixed term tenancy policy This policy replaces the related clauses of the Tenancy Policies of Circle 33 and Affinity Sutton Homes (AS) and the AS Fixed Term Tenancy Management Procedure. 1. Purpose

More information

GOVERNMENT PROPERTY AUCTIONS E-BOOK

GOVERNMENT PROPERTY AUCTIONS E-BOOK GOVERNMENT PROPERTY AUCTIONS E-BOOK Creative Strategies To Increase Your Property Portfolio Check us out on Facebook! www.governmentpropertyauctions.com.au Table of contents: Government Property 1 Auctions

More information

For personal use only

For personal use only US RESIDENTIAL FUND Investor Update April 2017 Disclaimer This Presentation is not a prospectus, product disclosure statement or other offering document under Australian law, including the Corporations

More information

Select Portfolio Management, Inc May 20, 2016

Select Portfolio Management, Inc May 20, 2016 Select Portfolio Management, Inc 26800 Aliso Viejo Parkway Suite 150 Aliso Viejo, CA 92656 949-975-7900 800-445-9822 info@selectportfolio.com www.selectportfolio.com Homeownership Page 1 of 5, see disclaimer

More information

Opening doors for you...

Opening doors for you... This guide is written in order to assist a potential home buyer in understanding the process behind finding a home. The steps in this guide are typical of the procedure that is followed in any New York

More information

equip yourself for the future

equip yourself for the future Leasing Made Easy equip yourself for the future 1 Welcome to the equip scheme If you are a business operating in the recycling or preparation for re-use sector, you will already know how hard it can be

More information