If I’m self-employed, how do I get an investment property loan?

Are you living in Australia and happen to be self-employed? You might be wondering how you can go about getting an investment property loan. Investment property loans are pretty common and work much the same way as home loans however it’s important to seek a mortgage broker who specializes in working with property investors to ensure they can secure you finance through the best available lender for your situation.

self-employed-loan

On Real Estate Investment Finance’s panel of lenders they have the lowest three year fixed-rate available. Normally, other markets will get you in the 5.13% ballpark. But with Real Estate Investment Finance, they can get you down to about 4.69%. Now that is a big savings right there. It comes to over .40% when you compare the two. And this is just a snapshot of what they do for their clients.

Even if you are self-employed, Real Estate Investment Finance believes in helping others achieve their dreams. The company was founded by David Chehade. He believed in helping out others, and he passes that onto his company and clients. He believes in helping his clients setup the right financial structures from the start to ensure every client is maximizing their returns on investment. Having the wrong structure will put limits on your financial holdings? It not only could cost a lot but it will also prevent you from expanding your financial portfolio. It will prevent you being able to borrow the right amount of money, needed to expand your investment property portfolio. And if you are self-employed, this can really put a damper on your prospects.

At Real Estate Investment Finance, they believe it’s important to work with someone who has gone through it themselves. Someone who understands the need for control and flexibility and a broker who invests in property themselves.

The best part is that they offer their services free of charge. They are compensated through a lending commission. This means they get upfront fees and commission. So the consultation and the work they do for you, is free

If you are self-employed and are living here in Australia, consider talking to these guys. They know how important it is to find the right investments. Investment Finance knows how important it is to work with someone that you can trust. This company and those who run it have been in your shoes. They just want to give something back.

For more information about property loans, contact David or a Real Estate Investment Finance broker today.
Contact;
Real Estate Investment Finance.
PO Box 465,
Indooroopilly Centre,
Brisbane, QLD 4068.

Email : info@reif.com.au
Phone : 1300 130 932
Web : http://realestateinvestmentfinance.com.au

Property Investment tips and insights for Queensland

The Queensland property market has started to show strong signs of recovery after several years of staying stagnant. With all the right factors in place there are some great locations across the Queensland property market that present great opportunities for property investors – especially in and around Brisbane.

property-investment-tips

Queensland is one of the fastest growing states in not only Australia but across the world. According to government and industry sources Queensland is experiencing a high population growth with demand set to outstrip available property supply.
Some facts about Queensland
-    The state is attracting approximately 30% of the 306,000 migrants to Australia each year, as well as 75,000 from New South Wales and Victoria
-    Brisbane’s population is set to rise from 1.8 million to 2.6 million over the next decade
-    Queensland economy grew 4% in 2013 – well ahead of the 2.6% average across other states moving up the rankings from 6th place to 4th place in the latest state of the state’s report.
-    Economic growth is 19% higher than the decade average with an increase in retail spending by 15%, construction activity up 45% compared to a decade ago.
-    Queensland offers many affordable land and housing opportunities in high growth areas
-    The Queensland’s state government has committed to a huge expenditure on infrastructure with approximately $28 billion to be spent on roads and public transport, $5 billion in social and community infrastructure, $4 billion on energy networks and $5 billion on water infrastructure.
While Queensland overall has all the right drivers that indicate some strong capital growth in property it is important to conduct area research and identify the better areas to invest as not all areas will perform well. The Brisbane property market poises some great property investment opportunities as it offers affordability, strong rental yields, low vacancy rates, major investment infrastructure, and strong population growth – all the right ingredients for solid capital growth.
Let’s look at the affordability Brisbane offers compared to the rest of Australia:

Market Median Value
Sydney $749,500
Melbourne $603,500
Darwin $573,500
Perth $521,000
ACT $527,500
Brisbane $445,500

The Queensland property market certainly has some catching up to do compared to other states across Australia and with all the right fundamentals in place Queensland is set for some solid capital growth over the next few years.
I would encourage investors to take action if they are considering investing in property and to conduct the appropriate due diligence and research the market to take advantage of some great opportunities that are presently available. Some areas will obviously outperform others. Some of my favorites that I am tipping to do well include surrounding CDB suburbs including Toowong, West End, Kelvin Grove, Indooroopilly and the Western Corridor out to Ipswich also presents some great affordable opportunities for property investors.

Contact;
Real Estate Investment Finance.
PO Box 465,
Indooroopilly Centre,
Brisbane, QLD 4068.

Email : info@reif.com.au
Phone : 1300 130 932
Web : http://realestateinvestmentfinance.com.au

Vehicle warranty network

Australian Warranty Network Pty Ltd (AWN) is a network agency that specialises in providing extended vehicle warranties for automobiles in Australia since 1992. The company is based at Tanah Merah, Queensland. Australian Warranty Network Pty Ltd (AWN) offers quality extended vehicle warranty products according to coverage requirements.

Car owners can choose from the extended vehicle warranty products given on the website depending on factors like the level of protection and budget. The company’s roadside assistance programs and extended vehicle warranty products can be bought from 3000 selling agents who are approved.

Selling agents can be motor vehicle dealers, motor bike dealers, scooter dealers, marine dealers, caravan dealers, motorhome dealers, finance brokers and LPG installers who are present within Australia.

The different kinds of extended warranty types given by Australian Warranty Network Pty Ltd are Platinum, Advantage, Extension, Motorbike, Scooter, Marine, Jet Ski, Extreme, Caravan, Motorhome, Roadside, and Motorbike RSA. (AWN) provides general cover that comes under the roadside assistance program.

The given services can be accessed through the road assistance program jump start motor vehicle, replace flat with spare, supply minimum of 5 litres (unleaded) fuel, access motor vehicle and replace key, towing and breakdown services, and inform family and friends urgent messages.

Alternative transport can be also arranged by AWN during major accidents and breakdown. Gift and referral cards are also sold by Australian Warranty Network (AWN) which includes AWN Xtreme Protection, Xtreme Fabric Guard, Xtreme Rust Guard, Xtreme Paint Guard, Xtreme Leather Guard, Xtreme Sound Guard, and Xtreme Vinyl Guard.

Contact Details;
Australian Warranty Network Pty Ltd.,
3801 – 3803 Pacific Highway,
Tanah Merah,
Queensland 4128,
Australia.

Contact Numbers:
AWN Phone: (07) 3802 5577
General Fax: (07) 3801 1539
Claims Fax: (07) 3801 1039

Email   : general@australianwarranty.com.au
Website : www.australianwarrantyproducts.com.au

Foot care recommendations

Skin Care on The World Wide Web is an Australian online skin care business that specialises in distributing skin care products & body care products. Skin Care on The World Wide Web also offers skincare & lip treatments and is based at Moffat Beach, Queensland.

Through Skin Care on The World Wide Web, people world over have online access to skin and body care products, foot care products, and skin care & lip treatments. Individuals who are suffering from skin, foot and lip problems can also avail online professional advice.

The company’s products have been personally tested and quality checked. Products for foot care include Milky Foot which contains active ingredient ExMilac (Milk Ferment Filtrate) that can remove hard skin, reduce cracks and moisturise feet. Other foot care products like beauty feet and footkiss callus which is a callus removal kit used for treating heels are sold here.

Skin Care on The World Wide Web also distributes skin and foot care products which are manufactured by Medik8. Some of the products that be found on the company’s website are Medik8 cleanse, Medik8 prevent, Medik8 correct, Medik8 hydrate, Medik8 pretox, and beautipharm.

Lash control products which come in squeezable mascara packages include pink squeeze, purple squeeze, blue squeeze, and clear squeeze can be found here. Accessories like LED compact mirror and STRADA double ended which help in beauty care can be bought through the company’s website.

The company is part of the health, beauty and spa industries based in Australia. The website also consist of a blog where readers can read articles about how to take proper care of skin care, foot care recommendations, feet care, different kinds of foot treatments available, facial moisturiser, waxing, laser hair removal, and lots more.

Contact;
SkinCareOnThewww
P.O. Box 357
Moffat Beach,
Sunshine Coast,
Queensland 4551,
Australia.

Email   : info@skincareonthewww.com.au
Website : www.skincareonthewww.com.au

Security Guards

Decisive Security Services is an Australian owned security guard company. The Company provides the services of security guards for customers in Brisbane and on the Gold Coast. These services can be availed by business as well as individuals and / or residential communities.
The Company provides security guards to customers based on the customer’s requirement. The customer can avail one security guard, or more than one security guard based on the customer’s needs and decision. Hence, customers can avail the security services and select the number of security guards based on the size of the customer’s business / complex and the nature of business and contents of the premises being protected. The security guards provided by Decisive Security Services can wear either the uniform provided by the Company, or the uniform specified by the customer. The security guards can also be in plain clothes if the customer so desires.
The security guards from Decisive Security Services are meant to have great communication skills with customers and the general public as well. Additionally, the security guards are meant to possess great presentation, attitude and problem solving abilities to deal with situations. Security guards are an important part of security to a business and customers can complement security guards with cameras, signs and other security measures taken by the customer for the business. The Company also provides continual improvement to its staff in keeping up with the latest kinds of possible hazards and frauds committed.

Contact Details;

Decisive Security Guards,
Brisbane, Queensland,
Australia.
Phone : 07 3871 3250
Fax   : 07 3871 3251
Email : info@decisivesecurity.com.au
Website : www.decisivesecurity.com.au

Asbestos Removal Company

A1 Asbestos Removals is an asbestos removal company based in Queensland, Australia. The company currently offers its services in the following areas: the greater Brisbane area including northern and southern suburbs,Sunshine and Gold Coasts and Ipswich. A1 Asbestos Removals has the expertise to get rid of both bonded and friable asbestos.

The company practices caution and pays attention to safety during the process of removing harmful substance like asbestos. Exposure to asbestos can lead to the development of different types of cancer, including lung cancer and mesothelioma in humans. The company is qualified to remove harmful substances like asbestos as it has obtained A and B Class licenses. The company also takes care of disposal of the waste, once removed from the original site.

The asbestos removal company monitors the air pressure, handles asbestos decontamination work and prevents the spread of harmful asbestos particles through the air by setting up a building enclosure.The company takes pains to ensure the appropriate air quality and air temperature in the building enclosure for the safe disposal of asbestos in the contaiminated area.

A1 Asbestos Removals establishes appropriate signage, fencing and partitions near the asbestos work area to warn people to stay away from the area and prevent them from getting harmed in the process.

The asbestos removal company undertakes asbestos removal in all types of properties, including residential, commercial and industrial sites. Interested customes can request for an online quote by providing details of the work involved and the area to be covered.
Contact Details:

A1 Asbestos Removals
Address: 698 Beaudesert Rd, Rocklea QLD 4106
Phone: (07) 3274 1777
Fax: (07) 3274 1177
E-mail: admin@a1asbestos.com.au
Website: www.a1asbestos.com.au

Mini Tip Trucks

Harrison’s Hire Pty Ltd is an owner-operated Dry Hire business with a reputation for excellent services. The Company has been in service for over 20 years. Harrison’s Hire’s customers range from households to numerous small operators and rent out equipment such as tip trucks, vacuum trucks, fuel trailers, water blasters and water trucks. The Company is based in Beenleigh, Queensland.
One of the products offered are mini tip trucks that are available for commercial hire. Mini tip trucks are extensively used in civil construction sites and other such projects. These trucks are ideal for small job sites with limited access, as the mini tip truck is smaller than the regular tip truck and performs the same function. These trucks are also ideal for clearing up of debris and other remnants of construction material from a site after a construction is completed.
The other products on corporate hire from Harrison’s Hire include mini water trucks, water trailers and water blasters or drain cleaners. Such trucks are useful for cleaning activities involving the blasting of water. Water trailers have sprayers that are operated from inside tow vehicle by remote control and can self-fill from a dam or holding tank.
Sandbag fillers that are available on hire are used to fill sandbags with ease. Fuel trailers facilitate the transport of fuel for small jobs. They come with a 1000 liter capacity for diesel and a 12 volt pump. Harrison’s Hire also provides box trailers on commercial hire.
Contact Details:

Harrison’s Hire Pty Ltd
42-44 Frank Heck Close,
Beenleigh, Queensland 4207.
Phone: 07 3807 0056
Fax: 07 3807 0084
Website: www.harrisonshire.com.au

Insulated Garage Doors

Conqueror Doors based in Virginia, Queensland are the distributors of Conqueror International Limited (CIL) range of insulated garage doors, roller doors, motors and accessories including remote garage door openers. Garage door repairs and installation services are also available. The Conqueror is a leading brand for the product range of insulated garage doors. With decades of experience in garage door business, the company has excelled technically with the expertise.

Improvement programs continually held is one of the points that mark the company’s difference. Through select partnerships and distributors the company ensures that Brisbane and Queensland can benefit from the quality and competitive price. Comprehensive replacement on all types of garage doors and motors as well as a full repair and maintenance service is provided. The main products offered by Conqueror Doors are Sectional doors, roller doors, tilt doors, garage door openers, gate automation, barrier arms and personal access doors. The benefits of the Conqueror insulated garage doors include the quality of the products that are manufactured with stringent standards, steels clad on both the sides with pre-painted continuous roll-formed steel, compression strength is four times more than that of a conventional door, exceptional noise-deadening capabilities and elimination of wind rattle and aesthetics with White powder coated tracks, painted finish on door interior. The different types of sectional doors include Modena, Sheffield, Cambridge, Stafford, heritage and Lincoln. The benefits of the garage door openers supplied by the company are the quality which is independently test and evaluated, standard of all the motors being CE approved, full function testing on every motor at point of manufacture, simplicity with two button touch install programming for sectional motors and features with independent light function, manual locking system, intrusion alarm, safety beam and adjustable closing force. The advantages of the products offered by the company are reduced carbon footprint, increased energy efficiency and reduction in associated costs.

Contact Details:

Conqueror Doors
1/37 Northlink Place,
Virginia, QLD, 4014

Phone: 07 3113 4000
Fax: 07 3256 9537
Mail Id: qld@conquerordoors.com.au
Website: www.conquerordoors.com.au

Diesel Marine Engines

All Marine Services, based in Whitsundays Queensland, is a provider of diesel marine engines and spare parts related to marine engines. The spare parts and diesel engines are made by brands such as Yanmar, Perkins, Kubota and Volvo, and All Marine Services has been providing these services for 12 years. All Marine Services sources, supplies sources, supplies and fits these parts and also undertakes marine engineering repairs and comprehensive insurance validation reports.
All Marine Services is the only authorised Yanmar dealer between Mackay and Townsville, and are the only authorised repairers of Twin Disc gear boxes, Kohler Marine Generator Sets, Mase Generator Sets, Gori Propellers and Austral Propellers for the Whitsunday area. The qualified staff of All Marine Services has over 40 years’ experience in offering repair services and sale of diesel engines.
The Company also has a high pressure sand blasting booth which enables quality propeller inspections and repairs. There are also other machines such as a 60 tonne hydraulic workshop press, 60 liter-a-minute fuel polisher machine and propeller pullers. All Marine Services also sells and supplies used parts for leading brands of diesel marine engines. The Company has a workshop located only 3 minutes from Abel Point Marine to enable easy access for marine services.
The diesel mechanics from All Marine Services will travel to the customer’s location for any required repairs and / or installations. The Company regularly service generators and earth moving equipment for local businesses. The Company also provides diesel mechanical repairs for local builders, property developers and commercial industries.
Contact Details:

All Marine Services

Shop 7,
Abel Point Marina,
Airlie Beach ( Whitsundays),
Queensland,
Australia

Phone: + (6107) 49 46 54 11
Fax: + (6107) 49 46 59 91
Email: apdc_yanmar@hotmail.com

Sales and Services
Email: apdc_yanmar@hotmail.com

Technical Services
Email: apdc_yanmar@hotmail.com
Website: www.allmarineservices.net.au

Finger Food Catering Services

Standing Room Only based in Brisbane offers high quality gourmet catering services including party catering and finger food catering. Standing Room Only has an experience of over 20 years locally and internationally in the hospitality industry, specialising in corporate catering. Selected gourmet finger food menus are carefully designed to be served for various functions and sizes. Understanding that different gatherings have different tastes and requirements, Standing Room can customise a suitable menu.
Being one of the best in finger food, the caterers take a lot of care to provide the best party and gourmet catering services. The caterers and staff would require the use of client’s kitchen before and during the function to provide fresh, hot and timely finger food service. The caterers are committed to recognising the variety of food intolerances, preferences and allergies in the community and take all care during finger food preparation. The menus offer a range of gluten free and vegetarian food options along with specific requests tailored by arrangement. Minimum number of catering is 30 people however numbers for smaller functions can be discussed. Wait staff along with caterer service can also be sourced if required.
The menus have been inspired by the food created by Standing Room Only in various establishments owned and operated. The gourmet small food selections aim to shift the concept of ‘cocktail style food’ and exceed client’s and guest’s taste expectations, be it a private or a corporate catering. With a belief of standard food to be delicious and interesting, the caterers hand prepare fresh, modern bite sized food items, while never compromising on flavour, presentation or professionalism. Specialising in private party catering, Standing Room Only’s gourmet finger food catering consists of bite-sized morsels designed to be enjoyed standing, in a cocktail style setting.

Contact Details:

Standing Room Only
Andrew Marno,
Phone: 0433 822 280
Email: info@sandingroomonly.com
Website: www.standingroomonlycatering.com.au