SE QLD Investment Property - Mortgage Reduction | Investment Property

Mortgage Reduction using our expert investment property advice can save you money and years off your mortgage.

The addition of an investment property can have a dramatic effect on the time that it takes to pay out your home mortgage. With an extra $1800 or more ( tax breaks and rental income ), on top of your salary offsetting your mortgage each month disciplined budgeting is not quite as critical.

The rental income and associated tax savings from your investment property is put directly into your home mortgage every week thus reducing the mortgage balance on a weekly basis. It is a revolving monthly cycle that uses all available income to reduce the amount of home mortgage interest payable before attending to bills at the end of the month.

Using your investment property as a mortgage reduction tool is a simple process once set up correctly by a finance specialist.

Our referred finance specialists will take the time to explain to you how a mortgage reduction system works so you can make an informed decision as to whether it will benefit you.

The key principle of Mortgage Reduction is that "Interest is calculated on the daily balance". Therefore, the day-to-day balance of the mortgage account has a significant impact on the interest charged to the loan and therefore the term of the loan.

The word Mortgage is actually a concatenation of two French words: the word Mort which means "death" and the word Gage which means 'pledge". So in effect, a mortgage is a "death-pledge".

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S.E.QLD. INVESTMENT PROPERTY HELPING FAMILIES

The following table illustrates the amount of Income Tax you will pay by retirement*

A tax effective property investment can be partially funded with income tax
which would normally go straight to the Australian Taxation Office (ATO)

Taxable Income	10 Years	20 Years	30 Years
$25,000	$28,500	$57,000	$85,500
$35,000	$45,000	$90,000	$135,000
$45,000	$75,000	$150,000	$225,000
$55,000	$105,000	$210,000	$315,000
$65,000	$135,000	$270,000	$405,000
$75,000	$165,000	$330,000	$495,000
$150,000	$460,000	$920,000	$1,380,000

*The above taxation figures can legitimately be used to help finance an investment property to pay for your retirement.
(Inflation Rate 3% and Tax Scales post July 2008/9. Includes Medicare Levy at 1.5%)

Telephone 1300 798 011
Fax 1300 797 036
Suite 131, 192 Ann Street, Brisbane QLD 4000