Property Investment for less than $100 per week

How to be a...

First Time Property Investor

In New Zealand in 2008
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Houses

for less than

$100 per week

If that's all it costs,
why not have several in your portfolio ?

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Warning..... you are entering the domain of a Wealth Builder not a Style Guru.

This site may not look pretty (some may even say it is a style free zone :))
however it is intended to give you the plain Facts, not some Glossy Picture.

You have found the Unofficial site that will give you the info you need
so read on...

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Index

What are others doing in the Market
Goals of Property Investment
Costs to me
How the Rich make Money
What Return can I expect
When do I buy
How can I afford it
What type of Property to buy
I'm saving for something else
What about Risk
Wait for Price drop
Other ways to make Money
I'm Too Scared to do Anything

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Are you wondering what to do in the current (August 08)
Property market ?

The Smart Property Investors are BUYING in this market.

Many property Traders are also Buying & Selling
and making just as much money as they did in the rising market.
There is always a demand for the right house in the right location at the right price.

Read on to discover why the Smart Investors are Buying.

Are you concerned about the stories you hear about people
getting into trouble with property ?
You should be, ....
but should that stop you from using Property as way of Achieving your Financial Goals ?

Do you stop buying food because you see the local dairy close down ?
Of course you don't,
you look for Better Sources of food and look more closely at the Quality of the food.

Do you buy food because you like to look at it ?
Unlikely,
You use Food to generate Fuel for your Body to achieve your daily Goals.

In exactly the same way:

Property is the Food
that generates the Money (Fuel)
to create "Wealth" (Body)
to achieve your Financial Goals
(from which, often flows, achievement of Non financial Goals).

and the best part is that the Property doesn't get consumed,
it goes on Producing year after year,
to increase your Wealth(cash, assets, resources, freedom of choice) year after year

to help you achieve Goal after Goal !

** Fulfill your Financial DREAMS **

Property Investing is about Achievement of
Medium to Long term (5 - 10 year) Goals
eg, I want Financial Security, I want an Easy and Relaxed life, I want to Retire early,
I want to Travel, I want to pay for my Kids Education, I want to pay for my
Daughters Wedding, I want to be able to help my Kids buy their Own House,
I want to start my own Business etc

"But I thought Property Investing was about MONEY ! "

Do you want the money, or do you want the Goal ?
Ask a child "Do you want this $2 or do you want the icecream the $2 coin can buy".

"I was told Investing is all about the Specific Property"
The Numbers Must add up, and the numbers can add up on many different types of property in
Any Market.
They must work with your Whole Financial Situation to Increase your Wealth
so you can Achieve your Goals.

Investing IS about
using Property as the Mechanism
to generate the Money
to achieve your Goals.

Back To Index

In recognising that property investing is not about the property but is about ensuring the numbers work to Grow your Wealth with Low Risk, you will conclude that ANYTIME is a Good Time to Buy property and Right NOW is an even better time than most.

Add to that, the fact that over 10 years, it typically costs you personally less than 20% of the purchase price, while the Tenant & the Tax Man pick up the bill for the rest of it, You soon see that in the end the price does not matter a whole lot.

What matters is:
What it costs you each week
and
That it is in the Right Area.

So the Taxman actually helps you achieve Your Goals !
I bet that makes some of you think a little different about our friends at the IRD.

Contact us TODAY, or complete your details below
to find out how you can take the next step with Investment Property.

Check out the Frequently Asked Questions for more details.

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Are you a Mass Market follower ?
Are you waiting and looking to see what everyone else is doing ?
Are you going to wait until property is Booming again and then wonder why you missed out again?

If so then I guess your Goal is to be Poor like the rest of the Mass Market.

Please Don't contact us, our conscience will not allow us to help you achieve that Goal, when we know how easy it is to achieve the exact opposite.

on the other hand:

Have you wondered how the Seriously Rich make their Money ?

They use OTHER PEOPLES MONEY to invest in....

Investment Property

The Rich have multiple streams of income:
1) A Business, where Profits are used to support investments in Property.
2) The Sharemarket , where Profits are used for Cashflow to invest in Property.
3) Property, where Profit is made by Long Term Capital Gain and is paid for by Rent or supported from other sources of income (Business, Shares, Job)

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You can use exactly the same ways as the Rich

Do you believe only the Rich can be
Financially Independent ?

Have you thought about Investment Property as a way to become Financially Independent but thought it was only for those with Money?

Have you Dismissed Investment Property as
TOO Risky, TOO Much Hassle, YOU can't Afford it ?

Not True
Any Average Person can own Low Risk, No Hassle Investment Property that can make them Financially Independent.

Do you believe the NZ Property Market is about to CRASH ?

Take a look at the graph on the right,
You may rethink what the Press is telling you.

(click for a bigger picture)
Barfoot & Thompson's house prices in Auckland since the 1950's to today.

Do you believe the media is putting their own spin on housing data ?
These Barfoot & Thompson Real Estate agents certainly believe so.

DO YOU SEE ANY BIG DROPS ??

Do you think the next 30 years is going to look anything different ??

Do you wish you had bought a house in the 50's or 60's (or even 10 years ago)?

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The Difference between an Average person and a Successful person is that
the Average concentrate on the problems of the present
while the Successful concentrate on what COULD BE.

What Return can I expect from Property ?

Property is a Medium to Long Term Investment (5 - 10 years plus)

Historically, property has appreciated on average 10 % per year for hundreds of years.
Find that hard to believe ? look at what has happened since the 60's- Price double every 5 - 10 years.
Or take a look at the Trends by area since 1992.
Currently (April 08) prices are holding steady or discounting maybe 5% in some areas.
Even with the current stabilisation of prices, the average NZ house price still rose by 7.7%
in the year to Feb 2008 (from QV statistics www.qv.co.nz)
And remember that is 7.7% of the whole house value, not just on your cash contribution.
eg
7.7% capital gain on $350k = $27k per year.
                                             Minus Cash input of less than $6k per year. (covers mortgage rates etc)
                                         = $21k Return - over 3 times your cash input ($6k)per year.
                                              that's 300% per year return on investment TAX FREE !

You are using OTHER PEOPLES MONEY to TRIPLE your money !!!

Can you get that sort of return on the Share Market with Low Risk ?
(have you checked the price of your shares this month ? - probably 25% or more down)

Can you get the same sort of Low Risk Gearing (Costs just $6k to have investment of $350k) ?

Minimum Risk, Minimum Hassle, Maximum

Check out the Frequently Asked Questions for more detail.

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When do I Buy a Property ?

The answer is ANY TIME is a GOOD time to Buy Property

However there are Better Times to Buy Property

The Property cycle is typically 7 - 10 years (high point to high point),
and in each cycle, in the major cities we expect to see a doubling of house price,
(that fits with 10% per year)
so every 4-5 years we expect a Brief slowdown before the next Surge upwards.

That is the BEST time to buy !!!!!!

THAT TIME IS RIGHT NOW !!!!!!!

Get Your Property NOW

Beware: A slowdown does not necessarily mean a drop in prices,
it is normally just a slow down in how fast they are going up - check that graph on the right

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How can I Afford to Buy a Property ?

If you currently have Equity in your home, (Difference between what it is worth & the Mortgage on it)
It is easy to get into a $300 -400k Freehold Investment Property with
ZERO MONEY DOWN (ie 100% financed)&
Total CASH OUTLAY of around $100 per week.
(assuming you have a reasonable income (>$50k) the Tax Man gives you a Helping Hand)
That's $100 to make $500 (incl tax rebate)& that's in the bad times- it really is a No Brainer.

No Property or Equity ? If you have a cash deposit or can get security to cover the deposit,
we can still get you into an investment property for around $100 or less per week.

& you can even get a
10 Year Rental Guarantee if you want Real Security - (Private or Housing Corp Lease)

Maximum Performance with Maximum Affordability

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What Type of Property Should I Buy ?

The Houses may be already completed, partly constructed, or Off Plan,
depending on where you want to buy and when.
The properties Must be in a Good Location :
High growth area, or an area expected to become high growth, good population base,
good employment base, good facilities nearby, schools, transport, shops.

Our houses are generally Brand New 3 - 4 bedroom Brick & Tile houses
with double garage on their own section, as this fits the highest demand.
They are generally around 150sqm floor area on 400 to 600 sqm sections.

The area must also have High Rental Demand,
which ensures the Rental Managers are willing to give you a 10 year rental guarantee.

Brand new means Low Maintenance & maximum Depreciation allowances,
which, when offset against Salary will minimise Gross Salary earnings, result in tax credits
which are used to help cashflow and minimise any weekly cash topup.
Generally a CASH OUTLAY of around $100 per week or less.
(assuming you have a reasonable income (>$50k) the Tax Man gives you a Helping Hand)

Maximum Performance with Maximum Affordability

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I am Saving for Something Else

If you are currently saving for a Medium Term event (2 - 5 years):
(Overseas trip, Children's University costs, Wedding, New Home, New Business, New Car)
it is far more efficient to do so via an Investment Property.

$100 saved per week in a bank at 8% at best = $5200 per year + $416 interest less 20% tax
= $5532 at end of year.

$100 per week used to support Investment Property of $350k
appreciating at a conservative 5% per year
= same $5200 cost but the property grew in value by $17,500!!!!!
(at the more likely 10% its double ie $35k)

That's a return of $12,300 Tax Free Capital Gain
(and that doesn't include approx $14k you should be saving in Tax),
for your $5200 investment (and that's at only 5%, when history has proven 10 % more likely).
In the bank you will be making a measly $332 ($416- less tax).

It is then easily borrow up to 80% of the $17k increase in property value =$14,000
to fund that event after just one year, that would have otherwise taken you 2.5 years
to save the same amount in the bank (or 37 years to earn the same amount of interest).
(loan is repaid over time by the property itself and you still have your asset/cash
available to draw on again)
The next year you will have paid another $5200 and can now draw down $28,000
for your $10,400 invested, (equivalent to 5 years saving)
whereas in the bank you have just $11,064.
Each year the gap gets bigger and even after you have completed the event
you still have an asset generating you $12k per year,
whereas the money in the bank is long gone.

Remember

ZERO MONEY DOWN &
Total CASH OUTLAY of around $100 per week
(assuming you have a reasonable income (>$50k) the Tax Man gives you a Helping Hand)
That's $100 to make $500 (incl your tax rebate) & that's in the bad times-
it really is a No Brainer.

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Back To Index

What about Risk ?

The Property is Yours to do with as you want- no ties to any company.
The Risks must be countered BEFORE you Buy

	Overvaluing - Prices set by Valuation from Registered Valuers .
	Long Term Capital Gain - It is essential to Invest in the RIGHT LOCATION.
	Lost Deposits - Deposits held in trust until settlement.
	Missing Rents - You choose Property Manager. or take out insurance on our Recommended Independent Property Manager.
	Overpromises on Rent Guarantees/ Expectations - Market Rents set by Rental Managers.
	Increase in Rent over time - It is essential to Invest in the RIGHT LOCATION.

Property Investment is like any other investment- Minimise the Risk

And the best part is that you can be TOTALLY HANDS OFF if that's what you want.

Minimum Risk, Minimum Hassle, Maximum Return

Check out the Frequently Asked Questions for more detail.

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Back To Index

"I'll wait until the prices come down some more."

"The graph is just history....The prices can't just keep going up ! "
"They have to stop "
"The Government is going to bring prices down with it's Affordable Homes package"
"KiwiSaver will bring the prices down"
"The Shared Equity scheme will bring down prices"
" If they get too expensive no-one will buy !"

Yeah Right !

If you really believed any of the those statements you wouldn't have read this far down
because you are so sure that you will be looked after,
that there is nothing you need to do to make your current life better than it is.
Don't bother reading any further because you will just be wasting your time.

Face it- in the Medium to Long term (> 5 years) property goes UP.

(The proof is here in the Trends graphs and above in the growth graph)

The Kiwi Mentality is that we all want to own our own homes.
Renting is seen as wasted money.
Our homes give us Security and are our way of saving for Retirement.

This is the Fundamental Driver for New Zealand's Property Market,
and even in times of slower growth, it is what gets the prices growing again.

If you think you will wait for the big crash, or until the prices drop more,
Is that what you thought in 2005 ?
For two years the Press was saying "It's Going to Crash"
and what happened ?
It carried on GOING UP by another 25 -30 % !!!!!

And if the prices do drop, have you got your finances ready so you can pick up those Bargains ??
Will you be able to get those bargains with ZERO MONEY DOWN ??
Can you get a Rental Guarantee for a property that has been discounted by 20%.
Even with a 20% discount, Will it stack up as a rental ?
Chances are a property like that is at the high end of the scale,
not in the $300 - 500k first home buyer or rental property high demand area.
How will you know when prices are growing again......
when you see they are 10% higher ? By then you have missed the boat again !

There's more to buying Investment Property
than getting a Discounted Price.

Get Your Quality Property Now.

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"I have other ways I prefer to make money."

Business, Sharemarket, Job, Bank Investments, Kiwisaver ?

Spread your Risk, Minimise your Risk
When one is up, the other may be down
What is the real After Tax return on these ?
Which ones are Tax Efficient / give you Tax relief ?

Use one investment to improve returns on others:

	Cash income used to support any property deficit.
	Hold High Capital gain/ Low income property.
	Expenses paid from Pre-tax earnings. Click HERE for more details

Property in the Right location is a Proven Long Term Performer
and combines well with any other type of Investment.

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"I am going to win LOTTO"

Yeah Right !
& what will you do with your LOTTO winnings ?
Invest them in Property !!!!!!!

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"I still have other questions"

Check out the Frequently Asked Questions

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Back To Index

I am Too Scared to do anything

Universal Law:
Throughout our lives we Get what we Expect , Not What we Want.
Our minds obediently help us achieve whatever we focus on:

Expect/ Focus on the worst & that's what you will get:

	Expect that you can't make money & guess what- you won't.
	Expect to be ripped off & that's what you'll get.
	Expect problems & you will make problems.

Expect the Best & make Plans to Deal with the Worst & you will be a WINNER.

The Winners in this life are those that DO,
Not those that sit on the sidelines and complain about
how unfair life is and how others succeed.

I may loose money	You may make a lot too !! Even the WRONG properties go up in value in the long term. By getting the Right property in the Right location you almost have no option but to Make money. How can you loose money when it costs you only 20% of the purchase price with the Tenant and Taxman making up the rest ??? ie you own a $350k property for just $70k !!! Check that G raph again. Or take a look at this Trends page. In the end you have Land (& probably a building). Land value cannot collapse to nothing like a bank or company can. Most people are willing to loose money on a Car / Boat / Lotto / Casino - All of these are High Risk, Bad debts, Depreciating assets. So why would you be so afraid to take a Calculated Risk at making money with a Good debt, Appreciating asset ? How much are you Loosing by doing Nothing ? Your savings in the bank are going backwards with inflation & Tax. Your income is lagging further & further behind property increases. Your Kids haven't got a chance of getting their own place. You loose much more by doing nothing than you ever risk by doing something. It's a Guaranteed LOSS versus a Highly Likely Gain!!!!!
I am counting on Kiwisaver	Have you checked the value of your Kiwisaver funds, some have already lost 25% in their first 6 months !!!! They are based on companies. Your money does not go into your own piece of land. They are not Government guaranteed and can be wiped out to NOTHING !!!!
I am counting on the Government's Equity sharing scheme	Information released to date show the Government will equity share on up to $200k properties. So where exactly are they going to find them ? The scheme is designed to help you finance your purchase. If they are willing to put up 30 % of the purchase price, that says they have finally discovered what we have known for years, they can't loose on the deal. They expect property value to increase and will be collecting 30% of the increase on every property they equity share on, Sounds like a great money earner to me !! Why give away 30% of your capital gain to the Government when you can do it on your own !!
I have been caught before	Look at what you did wrong last time & don't repeat it. Did you buy at the peak & try to sell in the trough ? Why did you sell ? Not enough preparation for changes in market, Had to sell due to poor structure, bad advice , bad management ! We are talking about investment property, not your family home. There should be NO reason to HAVE to sell an investment property. There should only be Good reasons to Choose to sell. Where are we in the market cycle now ? Certainly not at the peak anymore ! Right now is the Right time to buy. Wait until another peak & you will be destined to repeat the same mistake.
I can't afford it	If you really are struggling, there is no greater incentive to try to do something about it. Property can be a way to get out of the problem. For most it is a question of "Where do I spend my discretionary income ?" $100 per week now to generate Passive income in years to come ? or 1 less evening out, one less concert, less than 1 car tyre, on some cars, one less tank full of petrol ! For many the statement should say "I don't want to afford it." Where do your priorities lay ? Max enjoyment now at the expense of Zero lifestyle later, or just a little less wastage now to achieve financial security within the next 10 years ?
Only other people can make money from property	Those Other people you see making money with property were exactly the same as you, except they had the guts to DO SOMETHING !!!!
I don't believe it can work for me	ie I don't believe I am worth it. I don't deserve to achieve Financial Success. If it can work for anyone it can work for you.
My property might not go up	Even the WRONG properties go up in value in the long term. By getting the Right property in the Right location you almost have no option but to Make money. Check that G raph again.
Property prices in those areas can't be that high, they used to be $10k ?	NZ'ers struggle to see the "Wood for the Trees". We are brought up in, or are familiar with, certain areas and expect them to remain the same forever. Areas change, places develop, demand increases, prices grow. Take a look at this Trends page. Why do you think foreign investors like to buy property here ? They can see it is cheap by world standards, yet gives a good return as rental or growth (even compared to Aussie). What used to be cheap housing areas become average priced, as the average priced areas move up the scale and price themselves off the market (for first home buyers and investors). A reason we don't see property as cheap is because our incomes aren't increasing as fast as our costs and property prices. Property gets more and more expensive in comparison to our incomes, so the earlier you get into it the easier it is to afford.
I haven't got time to get involved	Property Investment can be completely hands off. You decide how much involvement you want. We have the experts that can achieve the outcome required.
I have seen others get into trouble	Greed, Overcommitment, failing to put in place proper safeguards, failing to plan for unexpected events, failing to plan for interest rate increases, failing to use professionals such as lawyers & accountants. Treat property investing like any other investment, minimise the risk with proper preparation and actions.
The world economy doesn't look good	The New Zealand economy Does look good in comparison !!! So does the Australian Economy. World events influence us but don't dominate us. As currencies loose value, Property is a safe investment that provides inflation proof returns.
I might loose my job	This is where proper planning for unexpected events is so important up front. Prearranged finance facilities in case of emergency are just as important as getting the finance to settle. Why do you think the Banks don't like to lend more than 80% of the property value, it is so there is still borrowing capacity to cover emergency loan payments.
I would rather stick with what I know	Are you Wealthy now ? If not, and .... if you keep on doing what you have always done, what on earth makes you think you will get anything different from what you have always got ?????

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So how else will you ever reach your goal of Financial Security??
Finance that Trip, Wedding, Student loan, Business, Retirement.....
with Investment Property
Contact us TODAY.

TAKE ACTION TODAY

You can get started on your way with ZERO MONEY DOWN & as little as $100 per week.

Do it TODAY

With Property, ......TIME really is MONEY

Fulfill your Financial DREAMS

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Disclaimer
The information presented in this website is intended to be for informational purposes only
and in no way intended to be specific financial advice.
You must seek advice from your own financial advisors particular to your financial situation and goals.

Frequently Asked Questions

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