The biggest mistake most people make when starting a investment property portfolio!

Most people thinking of investing in property see a financial planner, however, financial planners are focused on steering people towards investment strategies such as stocks, shares, superannuation and managed funds. This means that many of them may have a hidden agenda as they are controlled and owned by bigger financial institutions to sell their products and services.

Now, to put that point into perspective, consider this. A report by the Research Association of Independently Owned Financial Planners discovered that a staggering 90% of financial planning advice shared with consumers was delivered by financial planning organisations that were owned by large institutions.

Your First Point of Contact And Free Information To Successful Property Investing Is Here!

Rather than seeing a financial planner, your first point of contact when thinking of investing in property should be to see a property investor who has the experience, skills and proven track record in property investing.

After all, it’s one of the biggest decisions of your life, and like most skills in life, creating wealth through successful property investing is a skill that can be learnt. But before you start you need successful people around you who live and breathe property investment so you can avoid costly mistakes, realise your property investment goals, your strategy and execute an investment property plan into action.

Now, if you’d like some free information that no property investor should be without, Get a free copy of our Basic Principles of Property Investing For Wealth Creation e-book while you can!

Some of the common reasons people fail to invest in property!

There are no magic bullets when it comes to investing in property, only to say you need a experienced investment property professional to support you, a goal and strategy that’s consistent and proven to work.

Based on my 26 years of property investing experiences, the common reasons most people don’t take action to invest in property are;

90% Of Australian Millionaires Used Real Estate To Create Their Wealth. Here Is The Strategy Behind ‘Buying & Keeping’ investment property That They Used!

With more than 90% of all millionaires in Australia using real estate to become millionaires, the strategy to buying residential investment property that produces income is to make sure it is financed correctly so you can maximise tax benefits while you are employed.

After a period of time your property value and cash flow will have risen. At that time, you’ll be able to refinance your borrowings which will then enable you to purchase another property.

This strategy gives you the option of retiring earlier with an income producing portfolio behind you and if you need to reduce your borrowings upon retirement you can always sell a property or two in your portfolio.

Short-Term or Long-Term Investment. Many property investors go into investing in property with a short-term view. The main reason for this short-term investment attitude is driven by the media so they can sell newspapers and strike fear into people to promote their own media agenda.

The strategy behind ‘buying and keeping’ investment property for the long term can be hard for some investors to understand. The reason for that is many believe the only way to make a profit is to buy and sell after a period of time.

However, by keeping your investment property for the long term you can borrow against the increased equity to purchase more property and put your profits to work.

Furthermore, unlike traditional funds such as superannuation, shares and managed funds, the value of your investment property does not suffer due to variables such as;  fuel costs, share value, high unemployment or interest rates in the long term.

Why? Because for the past 100 years, the combined returns from rental yields and capital growth on residential investment property has averaged more than 15% per year compound, and with gearing this can increase dramatically.

Plus, investing in property lets you create wealth faster than traditional saving, shares or superannuation, gives you long-term financial security with minimal risk and gives you a strategy if you require funds to borrow against the equity of one of your investment properties.

In summary, negotiating a bargain price, finding the best interest rate, deciding when and where to buy and when to sell are extremely important for short-term property traders or renovators.

However, with long-term property investment, the purchase price, interest rates and timing are less important because of the levelling effect of time. This means that the longer you hold an investment property the more you get out of it, therefore the best time to purchase is today.

If you desire a pension plan with financial security and returns that supersede other investment strategies such as shares, term deposits and managed funds, property investment is a sound and proven way to create wealth for your future for little effort and big return!

To find out more about getting started on your path to investment property success or to review your current investment property strategy, please contact me, and don’t forget to download a free e-book full of valuable information on the Basic Principles of Property Investing For Wealth Creation.

Thank you,

Peter Morris
“Making Property Investing Easy!”
S.E.QLD. Investment Property

However, whether you’re a novice or experienced property investor, you need to be ever vigilant to make sure you protect your wealth and your property investments for the long term.

Your property investment portfolio can be a great wealth generator. Nourish it and it will grow. But starve it and it will wither. Careful management of cash and liquidity is crucial to nourishing your property portfolio. This feeds growth and wealth creation.

Below are 8 tips based on my 26 years of experience in property investing you can use to stabilise and help protect your investment property portfolio.

For in-depth insight on how to achieve this and more, download a free copy of our Basic Principles of Property Investing For Wealth Creation e-book.

In the meantime, let’s take a look at some top tips you can use to help you achieve wealth creation and protect your property investments.

1. Protect Your Income Stability

Income protection insurance is a key risk management tool. It ensures an income stream if your earning capacity is diminished. And the premium is tax deductible.

If you become ill or suffer a disability, your capacity to earn is diminished. It’s more challenging to service loan repayments on your property portfolio. So you face a real threat to ownership. Income protection insurance will guarantee you a certain amount of income should this happen. And your ability to service your portfolio payments is strengthened.

2. Insure Your Assets as a Landlord

There’s no doubt that targeted selective tenant selection can boost and will help protect your property wealth creation. However, it is also pro-active and prudent to have landlord insurance so you are covered in the event of any potential damage a tenant may do.

Damaged property. Rent arrears. AWOL tenants who owe significant rent. All these are very real threats faced by your property portfolio. By protecting yourself against these with landlord insurance, you’ll get a tax deductible premium and greater peace of mind should your tenants let you down!

3. Fix Your Interest Rate

Certainty vs. the possibility of something better. Talk to your mortgage adviser about whether to fix the entire loan or split the loan and fix a portion for flexibility. Such is the game of interest rates. When interest rates are at market bottom – lock them in.

Of course, there’s always the possibility that interest rates will drop below your fixed rate. But risk lies in your ability to meet your loan repayments. A fixed rate gives you certainty of your loan repayments for a set period of time.

4. Keep Ready Cash on Hand

Should you need cash quickly, below are a few effective ways to help you have cash available, if you need it.

First, use hard assets rather than cash as equity. This is the most effective way to acquire property. Because, you retain your most liquid asset – cash! So if you need money in a hurry, it’s there. Not secured as equity for your property investments. So ensure you keep a ready cash pool on hand.

Second, borrow extra on your property loan. That’s over and above what you need to purchase the property. This can be your cash buffer. Hold the cash in credit so it’s there when you need it. This won’t affect your repayment costs. It simply means you have ready cash if you need it.

5. Avoid Cross-Collaterisation!

This is a mortgage reduction strategy where the loan for your home and an investment property are financed with the same bank. Some people use cross-collaterisation to finance investment property, however, the problem is, if repayments fall short on one of the loans it endangers your entire portfolio because it is all financed with the same bank. This could also result in you losing everything you’ve worked for by being tied to one bank!

The Solution… separate your property loans. Smart investment property owners know that to accumulate a strong and secure investment property portfolio it’s best to ensure each loan is individual and financed by separate banks before you go to finance it.

By using this strategy you’ll be protecting yourself and your other properties in the event one of your properties (or lending institutions) sustains a loss or collapses!

Essentially, it means that you have many stand-alone loans with separate banks for your properties instead of one overarching loan that connects all your properties as equity for each other.

Here’s how it works. A segregated loan structure protects your property portfolio from overall collapse. It means your liabilities are spread across several places, not just one. This makes your portfolio easier to manage. Because a cash shortfall in one loan will not affect your entire portfolio.

Talk To Your Finance Broker First, Before Purchasing & Financing! Before you purchase and set up an investment loan structure, it’s crucial you talk to your finance broker first, so you can set up your finance and avoid using cross-collaterisation. As previously discussed, individual loan segregation is the best way to ensure your liabilities are spread out so each loan is independent and can be managed more effectively to protect your portfolio.

6. Establish a Trust

Like separating your property loans, a trust is also a key protector of your assets. When you place your portfolio within the protective arms of a trust, the trust owns your portfolio, not you. So if you sustain bankruptcy or debt enforcement action, your properties are protected.

Here’s how a trust works. It’s a recognised legal entity. It can own one or more properties. A trustee oversees the trust. This includes distributing investment returns to the trust beneficiaries. Trust beneficiaries receive returns from the investments held in trust. So you would establish yourself as a beneficiary of your trust.

Now here’s the important part. Only the creditors of your trust have a claim upon the trust’s assets. The creditors of trust beneficiaries have no claim. So your creditors cannot lay claim to your property portfolio assets that are held in trust. And if your trust falls into debt, its creditors cannot claim against you as a beneficiary for that debt. They can only claim against the trust. So individually, you are protected. A trust is an excellent risk management tool. It offsets the threat of creditors claiming upon the debt/liability that you incurred in purchasing a property or properties.

So there you have some excellent tips for building your property portfolio – and protecting it.

Remember, your property portfolio is a vital wealth creation asset. You’ve invested much in building it. Your time, money and borrowing. Now you have a portfolio to be proud of. It’s essential that you keep this in mind in your key life decisions. Let’s take a look.

7. Consider a Pre Nuptial Agreement

When you marry or enter a long term relationship, you hope its forever. For many, it is. For many more, it is not. Remember, you bring all your hard earned assets into your relationship. These are shared with your partner. Not just as part of your relationship, but legally too.

If the worst should happen and your relationship ends, your partner has a legal claim to your property portfolio. You can ensure that your property portfolio remains entirely intact and in your possession. A pre nuptial agreement makes this possible.

It is essentially a contract outlining who will take what assets if your relationship dissolves. Your pre nuptial agreement can specify that you leave the relationship with your full property portfolio. Of course, pre nuptial agreements get mixed press. Many consider they set a relationship up to fail. Many more have learnt the hard way that a failed relationship can cost them much more than a broken heart. The choice is yours – but it is there.

8. Keep a Current Will

Your will is your final statement of who gets what when you pass away. Often viewed as a morbid subject, your will is nonetheless essential. Your property portfolio is your lifetime’s work. Hopefully it will bring you much wealth and freedom.

You’ll want to hand these benefits down to your chosen inheritors. Here’s where your will becomes crucial. A non-existent or outdated will means your property may pass to those you would not have chosen. Or cause dissention among your beneficiaries. So keep your will current. Ensure your property portfolio is a loving legacy.

Don’t forget! To get more information about this, download a free e-book full of valuable investment property information on the Basic Principles of Property Investing for Wealth Creation.

Property investment is an excellent way to generate wealth, but today’s market is fraught with several threats. Now more than ever it is crucial to safeguard your investment to grow and protect your property portfolio by implementing these key risk management measures.

Build then protect.

Thank you,

Peter Morris
“Making Property Investing Easy!”
S.E.QLD. Investment Property

As with any form of profit generating activity, the expenses you incur in order to make an income are generally tax deductible. Naturally, this applies to investing in property. Today we’ll be looking into the range of investment property tax deductions items you can claim in order to minimise your tax bill.

Maintenance Costs

If you’re paying someone to tend the garden or to provide cleaning services, you can claim the incurred expenses as a tax deduction. Likewise, body corporate fees represent a deductible expense. Repairs and construction costs for your investment property are also tax deductions you can claim.

Electricity, Gas and Water Bills

If you’re paying the electricity, gas and/or water bills instead of your tenant then you can claim these on tax. Furthermore, you can claim the cost of having these services connected.

Additional Services Provided to Your Tenants

Providing additional services to your tenants such as telephone, internet or pay TV can all be counted as property investment tax deductions. Of course, if your tenant is paying for these services they can’t be claimed.

Fees, Rates, Commissions and Charges

There are several fees and charges associated with owning an investment property. Some of these include:

Now, because these items all reduce your income you don’t necessarily want to run out and increase them in order to reduce your tax bill. Just be aware and keep these investment property tax deductions in mind so you can make your property investment more profitable.

Contact us for a free investment property appraisal.

We all know that investing in property can be a great way to generate passive income and create wealth but a question that frequently arises is whether to invest in commercial property as opposed to residential property. Both forms of real estate have their own unique attributes that may appeal to the prospective property investor but knowing the differences between the two will enable you to make better educated decisions as to where you should invest your money.

Commercial and Residential Property – What’s the Difference?

This is pretty straightforward, residential property is defined as land that is predominantly used for housing, including such structures as family homes, apartments, condominiums and the like. Commercial property is primarily utilised for conducting business that cannot be defined as an industrial operation. In other words, land or buildings that are utilised to generate a profit.

Advantages of Commercial Property over Residential

Commercial property leases tend to be a lot longer than residential property leases, anywhere from three to twenty years as opposed to your typical residential lease, which is often 6 to 12 months in duration. Furthermore, commercial property leases are often backed by guarantees from banks which makes them a much more stable investment.

It’s not uncommon for a business to take better care of the property than a residential tenant, as appearance tends to have a correlation to the professionalism and profitability of the operation.

This is not to suggest that residential tennants are slobs by default, more that commercial tenants have a greater financial motivation to looking after their dwellings.

Residential Property Investment Benefits

It usually costs less to purchase a residential property investment and hence a smaller deposit will be required. Rates on residential properties are usually much lower than for commercial endeavours.

Additionally, the profit potential of residential investments tends to be more predictable than for commercial property. Historically, residential property investments generally double in value every decade or so. Another advantage of residential investment properties is that is often times a lot easier to find tenants to fill the vacancy, not so much for commercial investment property.

Regardless of whether you make the decision to invest in commercial property or residential property it always makes sense to speak to a property investment expert before committing your funds to a substantial investment.

Contact S.E QLD Investment Property for an obligation free property investment consultation or download our free E-Book “Street Smart Essentials – Property Investing For Financial Security”.

Useful Property Investment Strategy

Do you want to know the secret to increasing the value of your real estate investment property?

The effect of compounding has the power to exponentially increase the value of your investment property assets.

What is Compounding?

Compounding is the effect of interest being generated on funds not originally invested by a person. The longer that the money is invested, the bigger it will grow.

Another common term used to describe compound interest is Rate and Time. This is because the higher the growth rate and the longer the money is invested for, the greater the results will be.

So how does it work?

Here is an example.

A sum of money is invested and a percentage of interest is earned on the principal sum in the first year.

If you reinvest the interest earned, then in the second year, interest is earned on the principal sum and the interest from the first year.

In the third year, interest is earned on the principal sum and the interest from the first and second years.

The interest earned compounds on itself over and over again creating wealth faster.

Consider this. If you invested $1.00 every day for 47 years at 15% interest, you would eventually end up with around $2,500,000.00!

Just like investing money into a high interest bank account, investment properties also increase their value every year. For a more specific example of the compounding effect on investment properties please visit our Frequently Asked Questions page.

What does this mean for me?

The best way to calculate how compounding will work for your investment is to use the “Rule of 72”.

What is the Rule of 72? This says that to calculate the number of years that it will take for invested money to double is 72 divided by the interest rate.

Interest rates have the power to drastically alter the outcome of an investment over a period of time. However, doubling the interest rate does not necessarily double the outcome. The end results can be far greater than that!

The capital growth of an investment property is extremely important as per the example below referring to interest rates on cash invested:

$10,000 invested for 10 years at 5% will grow to $16,288.95 and $114,674.00 after 50 years.

However, consider the outcome when doubling the interest rate.

$10,000 invested for 10 years at 10% will grow to $25,937.42 and $1,173,908.53 after 50 years.

The invested amount grows by ten times as much with only double the interest rate.

Time is important

A significant factor in making a good investment is considering the time that you will be able to invest for. An investment at 10% will double value in 7 years, quadruple in 14 years and be worth 8 times as much in 21 years.

Being able to invest over a long period of time is much more important than having lots of money to invest at the outset.

$1,000.00 invested for 20 years at 10% would equate to $6,727.50, which is a greater result than investing $2,000.00 at 10% growth for 10 years which would amount to $5,187.48.

Remember compounding interest is also called Rate & Time. The higher the interest rate and the longer that you are able to invest for will provide the most favourable results, which is why it is important to start investing in property as soon as you can. A person who starts investing in property at 50 years of age will have more work to do and will have to contribute more money to the investment to achieve the same results than someone who started at 30 years of age.

Credit Cards and compounding interest

Did you realize that credit card companies use the effect of compounding interest to increase and build their wealth and decrease yours?

Compounding interest accumulates on credit card debts that are not paid in full at the end of the month.

Interest will accrue on any debts not paid at the end of the month. The next month you will again be charged interest on interest.

The amount of interest paid by you compared with what you have actually spent on your credit card can become enormous over a few years. Pay off credit cards every month to avoid being charged astronomical amounts of interest.

What is the effect on my investment if I don’t take advantage of compounding?

Taking advantage compounding interest, you invested $1,000 at 10% for 40 years. At the end of that time your investment would be worth $45,259.42. However, withdrawing the interest from the investment every year would only result in interest of only $4,000 having been earned.

The keys to good property investments are to start investing as soon as possible, ensure that you are receiving the best interest rate available and be prepared to invest in property for the long term. The longer the invested money has to compound, the better the end result will be.

Please contact S.E.QLD. Investment Property for more information about wealth creation.

Investment can be a lucrative business. It is also a risky one. Major global investment players have recently collapsed. Many investors have sustained significant loss. And it’s not over.

Now more than ever, if you want to invest it’s essential to set some fundamental protections in place. It can be the difference between a major gain or a major loss. First, ensure you understand the investment game. Then follow some simple rules to invest wisely.

How investment works

Investment schemes for property development are where the owner or developer needs to raise money to buy, develop and ultimately make money. Your investment is usually part of three groups that make up the required finance needed.

Investment scheme directors invest about 10%, banks will lend about 60%, and the rest is where you, the investor, come in. Your investment is required to complete the funds needed.

Your money is the ‘fill in’ finance gap and is generally unsecured, which means if it fails, you’re last on the list to get your money back.

Why? Because the bank has security on the mortgage of the property so it can sell the property and regain funds. The directors will have provided real estate of their own to the bank as security. That leaves you as an unsecured investor where you have nothing to fall back on.

When investing in these types of schemes always make sure you get the full facts and have some form
of legal interest or ownership.

So why would anyone invest?

The higher the risk the higher the returns. Such is the nature of investment. If you win, the dividends can be great. As can the losses if you don’t. You can never guarantee your investment. But you can take steps to protect it.

Apply the same information seeking and safeguard essentials that you would in any business venture. When performed from a well-informed, strategic standpoint, property investment is an excellent generator of wealth.

To learn more, South East Queensland Investment Property invites you to download a free copy of a fantastic e-book entitled Basic Principles of Property Investing For Wealth Creation.

In the meantime, use these Golden Investment Rules as a guide to smart investment.

Golden Investment Rules

Make Australian Investment Securities Commission (ASIC) your first stop. ASIC is your investment bible. It’s also the national regulator of most investment schemes. ASIC has a set criteria that investment schemes must meet to be recognised by ASIC. The criteria is based on ensuring that investment schemes and their directors are honest and diligent in protecting investors’ interests.

Investment schemes that don’t fall under ASIC are not subject to this criteria. If your potential investment scheme is not ASIC recognised – investigate further and reconsider the integrity of the scheme in which you are placing your money. To check if your potential investment scheme is recognised by ASIC you can:

Know the risks. Learn the risks associated with various investment opportunities. For example, you’d get more return and less risk by buying a rental property as opposed to investment in a property development scheme. Knowledge is your key to unlocking the wealth potential of property development investment.

Make your perfect investment match.You’ve worked hard for your money. Invest it in ways that fit your goals and personality. If you’re not one of life’s risk takers, don’t suddenly become one when playing the investment game.

Secure your investment. Banks have security via the mortgage on the investment property. The directors’ other investments give them security. If you have no form of ownership or security in an investment scheme – walk away.

Read the fine print. If your investment scheme gives you a product disclosure statement (PDS) – read it! If anything is unclear – ask. Being fully informed is crucial to wise investment. The PDS is the investment scheme minus the marketing gloss.

Into whose hands are you placing your money? You wouldn’t let an inexperienced mechanic fix your car. So be equally thorough in your choice of investment scheme. Word yourself up on the directors and entities involved in a potential investment scheme. Have they done this before? What qualifications do they have? Do they have relevant and up-to-date market knowledge? Remember, these are the hands that will be holding your hard-earnt money.

Have a ‘get out of jail free’ card. Make sure you have an exit strategy available at any point. Don’t enter into a scheme that has no provision for you to withdraw your cash before the scheme is complete.

Remember, investment scheme directors need your money to fund their property development enterprise. So they will market the possibilities in an immensely positive light. But you need to know the flip side. Always have a thorough understanding of what would happen if the scheme collapsed – before you invest your hard-earnt money.

Investment is a dynamic game. It can bear great fruits or bring great losses. Today, investors are placing their money in schemes against a backdrop of widespread global financial collapse. More than ever, investors must exercise caution.

Consider your investments with care – protect your hard-earnt money.

Thank you,

Peter Morris
“Making Property Investing Easy!”
S.E.QLD. Investment Property

Investing in property is a great way to build wealth and there are few investment vehicles offering the same level of profitability and stability as real estate investment.

One of the best ways to make money from residential property investment is to leverage debt and to spend other people’s money. Financial leverage is what makes property investment possible for the average consumer.

Spend Other People’s Money

Financing your property investments with investment property loans makes sense for a number of reasons. Why tie up all your capital while you wait for a pay off when you can spend someone else’s money and have your savings left over for a crisis or for further investment. This is why it makes sense to spend other people’s money to increase your own wealth.

Leverage is defined as doing more with less. The power of leverage means you can maximise potential profit whilst minimising your own out of pocket expenses.

When it comes to debt, there’s the good and the bad. If your debt is reducing your income, i.e. repayments on a credit card or car loan, then it is bad debt. Good debt, on the other hand, is debt that actually enables you to improve your bottom line.

How is this possible? It’s simple, you obtain debt to finance investment and the profit from your investment brings in more than the interest and mortgage repayment costs of the debt. Investing other people’s money allows you to generate an income without eating away at your savings.

Consult us for investment advice and investment property strategies to finance an investment property Brisbane.

Many people “believe” that property prices fall as interest rates increase. This belief is at times warranted due to the emotion that property should drop when interest rates increase, coupled with a very short term drop in auction clearance rates.

We look at the basic reason why interest rates are increased by the Reserve Bank of Australia (RBA) and overlay this with business self-assurance and past property price performances, we come to a very different conclusion.

Why does the RBA raise the cash rate? Increased expenditure is the answer. This increased spending is not only from business, but from the mums and dads spending more on holidays, clothes, car, whitegoods and renovations.

Inflation starts to kick in when the financial system picks up. Inflation means increases in the price of goods, services and assets. Yes, your clothing will cost more to buy, that hair cut will cost more next month, the holiday will cost more than last year’s, your shares will increase in value and the biggest asset that most Australians rely on for wealth (their home) increases in value.

When interest rates amplify, property prices typically don’t fall. As we saw towards the end of last year, property prices had already begun an upward climb before the interest rates started increasing. When the RBA says there are more increases to come, what do you think astute investors are doing? Ask to top 1% of wealthy retirees what they did many years ago … They bought and held residential property!

The last chance to make good assets growth through suburban residential property investments for the ageing baby boomers and the start of a possessions love affair for Gen X and Y is within the next 8 to 10 years to come.

In the mid 70’s, late 80’s and early 2000’s when interest rates started to increase and entered double digit figures, evaluate what was happening with property prices at the same time, you will notice that interest rate hikes coincided with investment property prices and home prices going through the roof.

Will the past repeat itself? Only the future will tell.

Peter Morris
“Making Property Investing Easy!”
S.E.QLD. Investment Property

With the Global Financial Crisis (GFC) still affecting the economies of the world it is probably a good time to sit down and ponder as to what is a good long term investment strategy for all of us here in Australia.

Australians predominately invest in either the property market or the share market. Australians love affair with property is well documents and in the past decade this love affair has extended into the share market with share ownership in Australia now being amongst the highest in the developed world.

With the GFC having significant impacts on both markets to varying degrees, let’s focus on the Australian property market and why it is our belief that there has never been a better time to buy investment properties in South East Queensland.

First and foremost are the current record lows with respect to interest rates. The current cash rate sits at 3.25% and, although increases are expected over the next 12-18 months, they will still be at all time lows when taking into consideration those experienced during the 1980’s and 1990’s. Low interest rates allow investment property owners to potentially repay their loans quicker and more easily than those taken out in the early part of the decade.

Second is the Federal Government’s current immigration scheme which is seeing record levels of skilled migration to Australia. The scheme is currently allowing approximately 200,000 people to migrate permanently to Australia each year. This migration level is expected to remain for many years which is placing pressure on housing availability across the country.

The Federal Government is aware of this and has recently expressed concern that we are not building enough housing for our current population growth. This will only mean good news for property prices in the future if availability is at a premium with quality properties hard to find.

This skilled overseas migration is further boosted by the continued interstate migrations that sees a further 1000 people a week move to Queensland, most of whom settle in the South-East corner of the state.

And thirdly is the robust nature of the Australian property market. With the Australian share market dropping in value by approximately 40% during the GFC, the Australian property market did not suffer the same fate.

This coupled with the equally robust nature of the Australian economy, means that the present time may represent a unique opportunity to enter the residential investment property market in South East Queensland.

Peter Morris
“Making Property Investing Easy!”
S.E.QLD. Investment Property