Free property & financial investment reports

What are the free reports about?

• 5 Fundamental Tips when Negotiating a Property Purchase

  Most house buyers don’t buy a house every year, let alone every month but our buyers advocates buy property all year round. They are experts at negotiating which can be a very exhilarating experience but for most people it’s terrifying.

  This special report provides you with 5 important insights or tips when it comes to negotiating. They are each important, and if implemented correctly they all guarantee any buyer a better chance of a great negotiation and overall result.

• The 7 Common Mistakes in Building Wealth

  One of the key objectives of Money and Wealth Planning (Money Management) is to help people identify how much wealth they will need to build over the course of their working lives, in order to create a passive income to provide them with the lifestyle they desire once they are no longer working for a living. The Association of Superannuation Funds of Australia (ASFA) benchmarks the annual budget needed by Australians to fund either a comfortable or modest standard of living in their post-work years. The figures are updated quarterly and provide detailed budgets of what singles and couples would need to spend to support their chosen lifestyle.

  For example, the ASFA Retirement Standard shows that a couple who own their own home and are looking to achieve a comfortable standard of living in retirement will need to spend $55,080 a year at today’s prices. To put that in perspective, it would require a retirement “nest egg” of between $500,000 and $1,200,000 in a Superannuation Fund delivering a 6% Return on Investment (after all fees and charges) to provide this level of income, depending on how long the income stream was required to last. ($500,000 would last about 11 years, while $1,200,000 would last about 36 years.) So, how much people want to be able to spend on their lifestyle in Retirement, and for how long, are two key factors in determining the amount of wealth required.

• How to Buy An Investment Property without Impacting the Family Budget

  It was back in 1999 and I still remember the look on my friend Mark’s face when he told me “there just seems to be too much month left at the end of the money.” Considering he and his wife have four kids that seemed fair enough but you don’t have to have four kids to know that cash flow is tight in a lot of households irrespective of what their income is. The thought of putting extra strain on the family budget of buying an investment property is enough to put it off the agenda indefinitely for most.

  In fact, according to the ATO, there are 1,637,872 tax returns lodged in Australia claiming one or more rental properties which, in isolation, sounds like a lot of investors. But given the population of Australia is about 22,660,631 at the moment this means that only 7 out of every 100 people (7.23%) are actually property investors. But how did they do it? How can they juggle their all the household cost AND still have money left to build a Property Portfolio?

• The 5 Must Ask Questions when Choosing a Financial Planner

  With over 10,000 registered financial advisers in Australia, how do you know if your adviser or the adviser you are meeting with is the right one for you?

  Empower Wealth has been providing advice to Australians to help them become wealth creators. In this report you will find some important questions that you should consider when meeting with your financial planner.

• First Home Buyer Information Guide – Key things you Need to know about Home Loan

  Buying your First Home is an exciting process. You get to inspect all the beautiful properties that you imagine yourself living in and when the time is right, you get to own a property that you can proudly claim as your own. But if done wrong, the process can be quite daunting too. For example, what if you realise a week before settlement that you need more money that you have budgeted for? Or what if after years of saving, you realise that the market has moved upward and you can no longer afford the deposit?

  In this report, we list out the things you need to know about getting a Home Loan as a First Home Buyer and also what some other ways that can help you get into the property ladder sooner.

• The 7 Mistakes Made when Selecting a Home Loan

  Whether it’s your very first home loan, your first investment property loan or maybe even a refinance of an existing loan, the decision you make about what lender and what loan product you choose carries a significant financial impact on you, so you need to get it right.

  This special report is about ensuring that those of you just starting out, or those of you who need your financial affairs brought back into order, don’t make any common mistakes.

• Top 10 Reasons to Set up a Self Managed Superfund

  In just five years, from 2005 to 2010, the number of Self Managed Superannuation Funds (SMSF) grew by 47%* (compared to the growth in superannuation assets within industry and retail funds of 23%* and 21%* respectively). And, over this same period the average net establishment (that is new funds established less funds that were wound up) was approximately 25,000* per annum. So with such a large number of new funds being established year on year it begs the question; what is it and why has it become so popular?

• The 4 Crucial Steps you Need to Understand before Buying your Next Home

  There are four crucial steps you need to consider when you are buying your home. A successful transition to your dream home relies on you managing each of these steps. What we generally find is that most buyers are very good at one of the steps, but lacking on the other three.

  As one highly experienced Buyers Agent in our team says; “it’s simple but it’s not easy”. So in this report we break down each point so that it can become a little easier for a homebuyer to execute the right purchase.

• Top 7 Reasons to use a Mortgage Broker

  When you buy a drill bit, you don’t really want the drill bit, you really want the hole it will make you. Mortgages, Home Loans, Investment Loans, Lines of Credit fall in the same category – you really don’t want the debt, but you certainly do want what the money allows you to obtain – a home, an investment property, renovation, car etc.

  Add to this that a mortgage or loan is a high cost item and you can start to see the real importance of seeking professional help to make sure you make the right decision on the right loan for you. That’s why we have produced this special report: The Top 7 reasons to use a Mortgage Broker / Finance Advisor.