Fixed Rates VS Variable Rates

Fixed Rates VS Variable Rates

Choosing the right home loan with the best interest rates can help you save thousands of dollars. It is so important to concentrate on comparing and contrasting home loans and rates to determine which one meets your individual requirements and needs before making your decision. Here are the main differences between fixed and variable rates…. Fixed Rate Home Loans A fixed home loan rate means you can establish a certain fixed interest rate. This means whether the interest rate falls or rises, you will have to pay the established fixed rate. Let’s see what are the main advantages to opting for a fixed rate home loan. • You can benefit from knowing exactly the repayments you will have to make, as well as the possibility of establishing your interest rate for a longer amount of time. • Opting for fixed rate home loan will make it easier for you to budget your future finances – you know the exact sum you need to pay. • If the rate rises above your paying interest, that won’t affect you in any way – you’ll be paying the fixed rate, which is less than the variable rate, so that’s a plus. Now let’s take a look at the main disadvantages that come with choosing a fixed rate home loan. • If the interest rate decreases, you will be paying your fixed rate that is more than the variable rate. Thus, you won’t be able to take advantage of the rate decrease. • You won’t be able to benefit from making unlimited repayments. Most banks have a capped limit of extra repayments that...
Locale – Coastal City Living With Great Rental Returns

Locale – Coastal City Living With Great Rental Returns

Locale is a new upmarket town house development in Maroochydore on the beautiful Sunshine Coast. It offers a close connection to amenities, generous pet-friendly courtyards and functional living spaces make a for a truly unique lifestyle opportunity The Sunshine Coast is currently going through a phase of unprecedented infrastructure development. There are opportunities for investors to capitalise with some of Australia’s most significant projects being developed on the Coast. A selection of 2 and 3 bedroom town homes featuring contemporary and vibrant design. Locale has been created to maximise convenience, livability and coastal style. The 137m2 2-bedroom town homes includes a multi-purpose media room, while the 165sqm 3-bedroom townhouses are designed for segmented living. Locale is affordable city living combining coastal style.       Features include: central location, NBN Connectivity, generous floor-plans, multiple storage areas, modern finishes, undercover patio, large pet friendly courtyards, stone benchtops, low maintenance landscaping plus heaps more! Locale is not only centrally located to infrastructure, it also has the rare attribute of being just minutes from a bounty of world class locations to unwind, and not just those of the saltwater variety. You are always only a stone’s throw from the farmers markets, rain forests, national parks and waterfalls of the hinterland. Locale sits right at the heart of the Sunshine Coast, conveniently located just minutes from Sunshine Plaza, Ocean Street dining precinct, Maroochy River and patrolled beaches. The prized location is over-serviced with world-class schools, university, hospitals, and nearby proximity to public transport, national highway, airport and rail networks.     Maroochydore is the City Centre of the Sunshine Coast and is currently going through...
Aura Investment Stock – Registered & Ready To Go!

Aura Investment Stock – Registered & Ready To Go!

You’ve been asking for Aura investment stock and here it is!! This great Aura investment opportunity is available for purchase in the first suburb to be developed named ‘Baringa’. This will undoubtedly be the best located suburb in the development. It is at the northern end, closest to Caloundra and its beautiful beaches, is walking distance to schools, a shopping village,parks, sporting fields and the largest business park in the region. Have you ever driven through a successful sold-out housing estate and thought to yourself that you wish you had invested right at the beginning when the project was first released. Well here is your opportunity, an Aura investment has become available and it won’t be around long! Aura the City of Colour is a 24/7 energetic and dynamic city that is set to become Queensland’s most vibrant new community on the beautiful Sunshine Coast. Years in the planning, Aura will establish a world class standard in sustainable community creation delivering over 20,000 new homes and jobs on site and attracting global business opportunities to one of Australia’s most sought-after regions.        The Aura site itself is comprised of degraded land previously used for forestry and grazing. As part of the project, more than 700 hectares, or nearly one-third of the site, will be rehabilitated and designated as a conservation area. This includes the creation of an Environmental Protection Zone and rehabilitation of waterway corridors. The Environmental Protection Zone will include an environmental education facility and sustainability awareness programmes will promote life-long learning among residents and local school children. New habitats for rare and endangered flora and fauna species...
Last Chance Peregian Springs Dual Occupancy

Last Chance Peregian Springs Dual Occupancy

Peregian Springs is nearing completion and majority of lots have been sold. If you are looking to either live or invest in Peregian Springs you better jump on this before prices sky rocket! Located in the Sunshine Coast – one of the fastest growing regions in Australia, famous for itsæbeaches, relaxed coastal lifestyle and magnificent climate. Here you’re close to the best ofæeverything.æThe Location is a central hub accessing first class dining and cuisine from the award winning Grasstree the Poolside Cafe at The Ridges Estate, a local shopping centre with supermarket, takeaway, medical, vet and specialty stores, renowned first class schools and childcare centres. All found within a natural environment conservation areas, abundant parks, walkways, bike-ways cradled by pristine landscape, the never to be built out Noosa National Park and onlyæ7 minutes of some of Australias most beautiful unspoilt beaches, patrolled areas, surf breaks.æAlso on your doorstep is the 18 hole centrepiece golf course, designed by Phil Scott. Within a short drive you have access to hospitals, airport, Noosa / Noosaville, Coolum and Maroochydoore. ~æ5 minutes to Peregian andæCoolum Beaches ~æ15 minutes to Noosa andæHastings Street ~æ15 minutes to Noosa Hospital ~æ15 minutes to Sunshine CoastæAirport ~æ20 minutes to Maroochydore’sæSunshine Plaza ~æ25 minutes to Nambour Hospital ~æ90 minutes to Brisbane CBD ~æ1 hour & 20 minute flight toæSydney ~æ2 hour flight to Melbourne. Ridges is part of the broader Peregian Springs residential community. However it is quite different in four important ways. 1. The new multi-million dollar Rec Club within Ridges is exclusively for the enjoyment of Ridges residents and their guests. 2. At Ridges you can enjoy...
Sunshine Coast Duplex $100,000 Instant Profit – Back On The Market!!

Sunshine Coast Duplex $100,000 Instant Profit – Back On The Market!!

This exceptional instant profit duplex package is located in Tramline Rise at The Groves in Burnside. Nestled in the heart of the prestigious Sunshine Coast, this boutique estate boasts exceptional value within minutes of the township of Nambour and the best the hinterland has to offer. Everything else aside this duplex has an expected equity uplift of over $100,000. That is an instant profit ofstrong>æ$100,000 without a days workstrong>!! Not to mention the 6.2% rental yield! This property is a real key player in any investment portfolio and is guaranteed to make you money. With rolling hills and stunning valley views, The Groveæoffers a relaxed Sunshine Coast lifestyle with a hinterland backdrop for the select few investors, families or retirees eager to secure their piece of the Blackall Range valley. Only minutes to the shopping, schooling, cafe and hospital precincts of Nambour, this area is fast gaining a reputation for great value and great positioning in the heart of the Sunshine Coast. Theærecent resurgence of music, art and cafe cultureæmade famous by Nambour’s TramFestæbrings with it anæarray of drinking, dining and live music options. All manner of vintage and vinyl come together with some of the best coffee served on the coastæin a relaxed and creative environment. Nambour offers a diverse range of education, health and social infrastructure withinækey growth areas on the Sunshine Coast. Some of theæcoast’s most coveted education providers are a short school run away St Josephs, Nambour Christian College as well as Nambour and Burnside State High Schools. There is also ready access to theæSunshine Coast University via the motorway link. The Grove is merely...
Statistics Are IN! Sea / Tree Changes Are Where It’s At

Statistics Are IN! Sea / Tree Changes Are Where It’s At

Every year data is released by the Australian Bureau of Statistics on the national migration across Australia. The latest publication is showing that a growing number of interstate migrations are those looking for a sea / tree change or are heading to the outskirts of the capital cities. This year the Gold Coast topped the list with 6,248 people migrating from interstate or other areas of Queensland.  The Sunshine Coast was only 48 people behind the top spot which is surprising as the Sunshine Coast has nearly half the population of The Gold Coast. In fourth place with 4,216 people arriving to it’s boarders is Geelong.  This number is forecast to increase dramatically with the incentives given by the Victorian Government such as doubling the FHOG in regional Victoria and cutting Geelong’s pay role tax by 25%.  This margin is by far the lowest tax in the country and will attract many new businesses to the city in the coming months and years. The below table shows the top and bottom performers for for net internal migration nationally over the 2015-16 financial year. This national data has been collected since 2006  and the Gold Coasts figure of 6,428 persons migrating to the area from within Austraia is the highest on record and 39.4% higher over the past year. It was also the first time since 2006 that the Gold Coast had seen the nation’s highest rate of net internal migration. Of the top 25 regions, 13 were located outside of the capital cities. These regions were a mix of sea change and tree change type locations. Coastal and hinterland regions, especially those within...
Cameron Grove Estate House & Land Package

Cameron Grove Estate House & Land Package

Cameron Grove Estate is Cameron Grove Estate is a master planned residential community which, when completed, will accommodate approximately 2,300 dwellings. With the proposed town square sporting a shopping centre, Harrigan’s Irish Pub and so much on your doorstep, you will find everything is only a short drive away. The town square also adjoins a large local park and lake system and will be developed in harmony with its natural surroundings. With Lake Macquarie and Newcastle just minutes away, including the major shopping precincts of Charlestown and Kotara, you will have all the amenities, schools, shopping, restaurant and entertainment within easy reach. A historic Tramway Corridor currently runs through Cameron Gove and it is intended to recapture its transport function through the creation of a pedestrian path and cycle way, linking with other pedestrian paths and cycle ways within and external to the estate. The master plan for Cameron Grove provides for sporting facilities and parks, complimenting a major sporting facility that is to be established adjacent to the eastern boundary of the estate. Combined, these will provide significant recreational opportunities for future residents. The design of the estate will adhere to principles of water sensitive urban design, and integrated water cycle management will also be adopted with grey water recycling and refuse. All residential developments will have to meet required standards for energy efficiency, and home design will be encouraged to feature elements such as natural heating and ventilation to minimise energy use. Commercial development will meet the criteria for energy efficiency in commercial buildings. If you are looking for aæsolid investment property to add to your portfolio...
Parklakes 4 Bed House & Land For Under $550k!

Parklakes 4 Bed House & Land For Under $550k!

Parklakes Estate is located at Bli Bli on the Sunshine Coast. More than $522 Million in housing projects, retail development, schools and transport & recreation infrastructure is expected to be invested in Bli Bli in the next decade. Parklakes Estate represents an exclusive opportunity for investors seeking positive cash flow and capital growth in the heart of Queensland’s highest growth area. Located in Bli Bli, in the heart of the Sunshine Coast yet still only a 60min drive from Brisbane Airport.Its Prime position enables it to reap the benefits of two major economies with growing infrastructure and population. Bli Bli is booming. The new local shopping village extension is under construction and the $45M catholic school in Parklakes is also moving forward. Bli Bli is an attractive, elevated suburb in the heart of the Sunshine Coast. This conveniently located residential community retains a small town feel yet is minutes from the Sunshine Coast Airport, Sunshine Plaza and the new Maroochydore CBD, Mudjimba Beach, Mooloolaba Beach and Nambour . With quick access to both the Bruce Highway and the Sunshine Motorway Bli Bli is an easy 70 min trip south to Brisbane or north to Noosa and Coolum. The central location of Bli Bli allows the opportunity to enjoy the beautiful Sunshine Coast beaches, major shopping facilities and the coastal lifestyle as desired. Bli Bli also offers a large range of activities without ever leaving home. A variety of activities are based around the Maroochy River, such as fishing, water sports and boating. The Maroochy River Golf Club is right on the door step with 18 championship holes and Driving...
Tax Depreciation Schedule – What is it & Should I Get One?

Tax Depreciation Schedule – What is it & Should I Get One?

Lets start with what Tax Depreciation actually is??  It is what happens to an item over time – the item looses its value due to wear & tear. This can be from household appliances to the actual house itself. Just like you claim depreciation on your car for business purposes – you can also claim depreciation on your investment property. Unfortunately not on your owner occupied home – this tax deduction is for investment properties only. A Depreciation Schedule is a report that breaks the property down into different categories, determining the building write-off claims and depreciation of your investment which goes as a deduction against your taxable income. Based on your allowances the report determines how much you can deduct each year as part of your tax return. The Schedule is conducted by a Quantity Surveyor and is designed to ensure that you are getting the most possible cash return from your investment property. There are 2 elements to a Depreciation Schedule, the Capital Works Allowance (Structural & Irremovable Assets ie brickwork) and the Plant & Equipment (Removable Assets that depreciate at a faster rate than the irremovable assets ie dishwashers). Why get a depreciation schedule on your investment? It will save you money on your tax each year. It is a one off report and will save you much more money over time than the cost of the report itself. In fact our referred agent guarantees if you don’t cover the cost of their schedule in your first return they will refund you the cost of your report. “If we can’t get you more depreciation than our fee in the first full year...
Gold Coast Duplex for Under $550,000!!

Gold Coast Duplex for Under $550,000!!

This is Gold Coast Duplex is absolute entry level advanced strategy property investing. This could be the first property to begin your investment property empire! It is not often you will come across a duplex for this price – especially within the Gold Coast corridor! Costing you only $545,500 to build you will expect an instant equity uplift, not to mention the rental income of 6%! With these duplexes there are so many options……keep both properties as an investment and use the instant equity to put into an additional investment, live in one side – rent out the other (help pay your mortgage), sell one side, sell both sides; which ever option you choose there is one thing for sure you will make money! This Gold Coast Duplex is located in Eagleby within the “Gold Coast Corridor” halfway between the pristine Gold Coast beaches and everything that the Brisbane CBD has to offer. Eagleby is part of Logan City and is located on the southern banks of the Logan River. With convenient access to the M1 motorway, travel time to both Brisbane and the beaches of the Gold Coast is within 30 minutes. It is also an easy drive to the domestic and international airports of both Brisbane and Coolangatta. This development is within close proximity to local facilities and amenities, including shopping centres, cafes, restaurants, medical and local hospital. fast access to surrounding areas including Beenleigh with major shopping centres and department stores This particular development backs onto park lands so you will never have to worry about being built out. See map below. Inclusions Air Con Spacious...
Cameron Grove Estate $110k + Profit

Cameron Grove Estate $110k + Profit

Cameron Grove Estate is Cameron Grove Estate is a master planned residential community which, when completed, will accommodate approximately 2,300 dwellings. With the proposed town square sporting a shopping centre, Harrigan’s Irish Pub and so much on your doorstep, you will find everything is only a short drive away. The town square also adjoins a large local park and lake system and will be developed in harmony with its natural surroundings. With Lake Macquarie and Newcastle just minutes away, including the major shopping precincts of Charlestown and Kotara, you will have all the amenities, schools, shopping, restaurant and entertainment within easy reach. A historic Tramway Corridor currently runs through Cameron Gove and it is intended to recapture its transport function through the creation of a pedestrian path and cycle way, linking with other pedestrian paths and cycle ways within and external to the estate. The master plan for Cameron Grove provides for sporting facilities and parks, complimenting a major sporting facility that is to be established adjacent to the eastern boundary of the estate. Combined, these will provide significant recreational opportunities for future residents. The design of the estate will adhere to principles of water sensitive urban design, and integrated water cycle management will also be adopted with grey water recycling and refuse. All residential developments will have to meet required standards for energy efficiency, and home design will be encouraged to feature elements such as natural heating and ventilation to minimise energy use. Commercial development will meet the criteria for energy efficiency in commercial buildings. If you are looking for a great way to not only provide positive...
Palmwoods Duplex – 6.2% Rental Yield Plus $100k Profit

Palmwoods Duplex – 6.2% Rental Yield Plus $100k Profit

< < < < < < Set in the heart of an arts and craft hub which typifies the Sunshine Coast’s hinterland, the small rural town of Palmwoods is at the crossroads of the region’s tourist network. Set in a mosaic of orange groves, banana plantations, avocado, custard apples and pawpaw orchards, Palmwoods is only 15 minutes drive to many key Sunshine Coast destinations. Maroochydore CBD, Sunshine Coast Airport, the new Public & Private University Hospitals and world class Mooloolaba beaches. It’s within comfortable driving distance of the charming Blackall Range villages of Maleny, Montville and Mapleton as well as this particular developmentæbeing walking distance to the local primary school, town shops and village. This beautifully designed and full turn key property includes landscaping, driveways, window dressings, fences and all the latest mod cons including stone bench tops and stainless steel appliances....
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