For businesses just starting out, getting a caravan park loan finance is really tricky. Fortunately, with the right kind of information, you will avoid much trouble. Why you need the right kind of financing for a caravan park For many Australian out there, caravanning holidays are considered a rite of passage. If you have traveled…
When it comes to property management in Australia, tenant turnover is one of the biggest expenses that significantly affect revenues from property investment. As the property unit becomes, vacant rent is lost while costs such as advertising cleaning maintenance and repairs will pile up. Therefore, landlords or property managers’ end goal should be to reduce…
When winding up an SMSF, there are certain legal compliance requirements that one needs to adhere to. If you understand all the obligations, then, the winding up process will be smooth. Winding up an SMSF is usually a matter of when not if.  The trustees will have at some stage to wind up the SMSF. …
A superannuation fund usually benefits an individual upon retirement. In Australia, a super fund is a tax-effective investment vehicle you can utilize during retirement. The tax system enables you to lower (concessional) fund earnings and contributions tax rates as well as get tax-free withdrawals upon attaining the preservation age and meeting the condition of release.…
Any SMSF has to incur particular expenses for the fund to run and provide retirement benefits to its members. What fund expenses seem common? Any payment in line with the investment strategy and permitted by the super laws and the trust deed will be deemed appropriate. Some of the common fund expenses include: A. Operating…
Do you intend to invest in any commercial property? Do you have any sector in mind? Regardless of the strategies you intend to choose, risks will always be prevalent. However, depending on the investment type or nature, you will have to the magnitudes of the risks against the expected returns or even opportunities. The commercial…
Superannuation arrangements are usually necessary for any individual who is either nearing or has attained retirement period. The purpose of having a super is to be insulated at the time when you have retired and are not receiving any substantial income. When taking a super, there are a couple of things most people are not…
A self-managed super fund can give you control of your finances. When compared with other superannuation options, an SMSF provides a couple of unique advantages you cannot find in other kinds of funds – but it is not suitable for everyone. Instead of leaving others to invest your super, SMSF gives you a platform to…
When trying to set up a business or company, the startup cost is usually a lot for the business or company.  Such a scenario is true for an existing establishment that is trying to expand its activities. Huge investment is needed for acquiring heavy equipment and purchasing or leasing commercial properties to accommodate the operations…
Are you an investor who wants to invest in a commercial property locally? Before thinking to acquire a commercial property, it advisable to carry out enough market research to be aware of the existing trends. Importantly, the underlying factor that should guide you towards any commercial investment should be it potential to have higher yields…
The trend in 2018 seems to be mixed for the commercial property market. Even though growth takes place at a slow pace, property values will be higher at the end of the year. Many analysts didn’t anticipate the average price rise would be stronger the way it was in 2017. As auction clearance rate dropped, investor…
 If you have done your background check, and prefer building a new home in Australia instead of buying an already built home, then, a construction loan is for you. Interestingly, the good thing with a construction loan is that apart from securing for building purpose, you can also secure it for making key renovations to…
Interest Only  A borrower can negotiate with lenders interest only repayments. Lenders can only allow this situation if the business has large cash-flow deposits that are capable of making large interest only repayments before its period expires.  The common interest only commercial term loan is 1-2 year term.  Select commercial loan lenders prefer a 5-year…
Earning money involves a lot of hard work, and no one wants to lose it casually, so people want to save every bit. So, you cannot afford to go solo when you need to slice some few bucks off a significant real estate deal. Just ask yourself whether it would be worth it to spend…
Commercial Specialists INCOME FROM DAY ONE It's all about the cash flow. An example. Purchase price $1m. Govt costs (including stamp duty) and misc $50,000 Total cost $1,050,000 Option 1 Deposit of 20% say $200,000 plus $50,000 for costs. Total outlay $250,000 80% Commercial loan is $800,000. Assumption is deposit is borrowed on a residential…