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THE GRAM

S U P E R A N N U A T I O N⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Everybody has some, but the vast number of young people give their super little to no thought, leaving the investment strategies in the hands of their retail or industry super fund.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you, or you and a partner combined, have a superannuation balance of $200k +, did you know that you may qualify to purchase an investment property with your superannuation? ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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This strategy involves setting up a private super fund which you manage yourself, aptly named, a self-managed super fund. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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The housing market has shown some extraordinary changes over the past 25 years, with conditions moving through five distinct growth cycles which have pushed national median house values 412% higher. Over the same period, the ASX All Ordinaries index has risen by a substantially lower 261%.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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These statistics make purchasing property a very attractive venture for people seeking out a long-term investment strategy for their superannuation, potentially resulting in an unencumbered asset and a post retirement income stream via rental returns.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Because everyone's situation is different, you will need to get financial advice before you make a decision on any investments. You can get independent advice from a licensed Financial Advisor (we highly recommend Anthony and Kylie at Creo Wealth). ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you are interested in exploring this further and don't know where to start, please reach out.

H A P P Y B I R T H D A Y⠀⠀⠀⠀⠀⠀⠀⠀

H A P P Y B I R T H D A Y⠀⠀⠀⠀⠀⠀⠀⠀⠀
Happiest of birthdays to this super star, lover of champs, business partner & best friend. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Officially in our "mid to late" thirties! 😬⠀⠀⠀⠀⠀⠀⠀⠀⠀
We've definitely hit our stride and and I feel the best is still in store. Glad we're riding this wave together! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Big love co-boss lass xxx

F A M I L Y G U A R A N T E E⠀⠀⠀⠀⠀⠀⠀⠀⠀
We get asked ON THE REG about family guarantee, how it works, who is eligible, at what point can it be released etc.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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A few quick points:⠀⠀⠀⠀⠀⠀⠀⠀⠀
- Allows you to reduce or totally eliminate Lender's Mortgage Insurance (potentially saving you a bucket!)⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- Allows you to maximize the amount you can borrow - up to 100% of the purchase price (some lenders more), plus costs such as Stamp Duty and Legal Fees.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- A family member who can provide a pledge include parents, children, grandparents and siblings. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- Pledge can be released when your loan to value ratio is 80% or below by way of paying down your loan or capital gain⠀⠀⠀⠀⠀⠀⠀⠀⠀
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For more information, please see our website or get in touch.

T H A N K Y O U🙏🏼⠀⠀⠀⠀⠀⠀⠀⠀⠀
Not going to lie, this deal was RIGHT down to the wire, but Alissa managed to get it approved in the nick of time... slightly sweaty experience but nothing short of an amazing result! 😍

I N T E R E S T O N L Y ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Borrowing to buy a property and repaying only the interest for a set period can be a great choice for some, as I/O loans can offer financial flexibility whilst you invest however there are some very important risks to take into consideration. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- I/O loan repayments do not pay down the actual purchase price (or principal) of the property or reflect a realistic repayment on a standard mortgage. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- The principal amount borrowed will not reduce unless you choose to make additional repayments, if that is allowed under the loan terms. As a result, the I/O loan may cost you more over the full term of the loan. If you’re only repaying the interest on a loan, you’re not building up the equity on your home during that period.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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- An I/O loan to be part of an effective property investment plan, you must be comfortable that the property’s value will increase substantially. If the value doesn’t increase by more than the interest paid, you may end up losing out.⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
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For more information, check out our BLOG on the website, or give us a buzz or shoot us an email! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Link in the bio 👆🏼⠀⠀

F H L D S P O S I T I O N S R E L E A S E D⠀⠀⠀⠀⠀⠀⠀⠀⠀
Did you miss out on a spot in the First Home Loan Deposit Scheme? ⠀⠀⠀⠀⠀⠀⠀⠀⠀
As of this week, the government has released BACK all the unused spots in the scheme for first home buyers looking to purchase an established dwelling! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Theses will go mighty quickly, so please get in contact if you wish to secure your spot!

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