We help everyday Australians achieve financial freedom
Our 4 Step Process that makes investing in property easy & profitable
Understand your financial situation & set goals
Select from a range of research backed properties
A managed property achieving above market rental returns
Safeguard your investment property now & into the future
Our team are passionate about property & are leaders in their field
You can tell a lot about a company from their executive team. Their track record, experience & knowledge are all beneficial, but it’s their integrity & values that matter.
Who We Work With?
Security & support with a track record you can trust
Our Key Services
Self-Managed Super Fund
Control all your finances with the touch of a finger
Having difficulty understanding your financial position? The solution is RPA Wealth.
- Exclusive insights from our extensive research
- The best tools & tactics for property investing
- Current market trends and future forecasting
What are the advantages of buying a new property over an older home?
When you purchase a house and land package, you can depreciate the construction cost at the rate of 2.5 % over 40 years. Brand new houses are easier to rent than older homes, and the building, fixtures and fittings require less maintenance. Newer buildings have a higher component of depreciable factors, which provide significant tax deductions and lead to lower holding costs over the long term. At RPA we recommend purchasing new homes, and our affiliates currently have low maintenance new homes for investors to purchase in Australian suburbs that will yield a high return.
What happens if my income drops and I can’t service my debt for my rental property?
Your rental property loan should be set up with a three month leeway to give you room to move in the case of unemployment or illness. If you can’t pay your mortgage, you can simply sell your property. You can also protect your income with income protection insurance or personal trauma insurance.
Will an investment loan be any different to my existing loan?
Most of the same types of home loans and loan features apply for investors as well as owner-occupiers. Some lenders may charge higher interest rates for investment properties if the risks are higher.
How can I use the equity in my home as a deposit?
You can use the equity in your home as security with the bank and borrow against it to buy an investment property. Banks will typically lend you 80% of the value of your home, minus the debt you still owe against it. However, by taking out Lender’s Mortgage Insurance you can borrow more than 80%. Our property professionals will show you how it’s done.
What’s the difference between an investment loan and a normal home loan?
Residential property refers to a house, townhouse, apartment or unit that is rented to another party and not used by the owner. The cash flow from the rental income can be used to speed up mortgage payments on your residential home loan.