Elite Wealth Creators

📌 First Home Buyers!

😃 Buy a house and land package in Waterford, QLD.
With $10,000 in Savings Today.

✅ From $506,500 - Qualify for the Home Builders Boost of $25k.
Land Registered and ready to build.

4 🛌, 2 🛁, 2 🚘

Land:407m2

✉️ Message Us For More Information!
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📌 How to use equity to buy an investment property

Homeowners have a not-so-secret weapon that can allow them to invest, build wealth and improve their home without having to stump up a large cash payment.

✅ Equity is the difference between the value of a property and the balance of the home loan. For example, a homeowner with a $500,000 property and a $400,000 home loan have $100,000 in equity.
If the home’s value increases to $600,000, and the loan balance remains the same, the owner has $200,000 in equity.

Paying down the principal, property improvements, and a rising local market can accelerate the rate at which equity accumulates.
👉 “One of the things people underrate is what a difference it makes,”

📌 “A $500,000 property going to $600,000 is about three or four years in the property market in most capital cities. It enables you to buy another property in three or four years.”

While selling a property unlocks equity, homeowners who retain their property can access equity by refinancing, increasing the size of their loan, or taking on a secondary loan.

💰 How to use equity to purchase another property
One strategy to build a property portfolio through property relies on equity. Owners can leverage the growth in value of their own home to purchase another property, potentially repeating the process as the value of the next property rises.

😧 “We see a lot of surprised looks where we present a loan structure where the equity of the property they’re living in can support, in some way at a very high level, the deposit for an investment,”

By accessing equity to use as a deposit, homeowners may be able to invest without contributing cash from savings.

The balance of the purchase is funded with an investment loan, with rent covering or potentially exceeding repayments, creating passive income.

✉️ Message us if you would like to learn more!

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Elite Wealth Creators

✅ House & Land Packages
Torana Estate Austral, NSW

📌 4 🛌, 2 🛀🏿, 1 🚘
Land: 345m2

🚀 Get In Quick! These Won't Last!
✉️ Message Us For More Information
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Elite Wealth Creators

🏘House & Land Packages Available
📌 Riverstone, NSW
✅ 3&4 Bedroom
✅ Single & Double Story Homes

✉️ Message Us For More Information
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Elite Wealth Creators

⭐️Torrens Title Duplex Opportunity
Morisset, NSW

💰 Potential Equity Uplift $192,000+

✅ A FULL TURNKEY PRODUCT - READY FOR YOUR CLIENTS TO RENT OR FLIP ASAP!

- 2550mm internal ceiling heights throughout
- Artusi Appliances (Italian Styled w/5-year warranty)
- Tiled Alfresco
- Air Conditioning and Ceiling fans throughout
- Plumbing to the fridge
- Bulkheads to kitchen

✉️ Message Us Today!
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Elite Wealth Creators

House & Land Package Registered Now - Gregory Hills, NSW
$738,980
4 🛌, 2 🛀🏿, 1🚘
✅ Land Size 495m2

💰Qualifies for the $25k Builder Boost.
👉 Move quick and message us as this will not last!
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Elite Wealth Creators

📌House & Land Packages
🏘First Home Buyers
✅ Settlers Place, Werrington, NSW
📩 Message Us for More Information
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Elite Wealth Creators

Banks to Ease Credit Restrictions
It was announced this week by the Treasurer that only a year on from the banking Royal Commission the obligations will be removed.
Anyone who has sought a home loan recently will understand the slow and painful process that it has become. Better and faster access to loans will mean an increase in the flow of credit into the housing market and a stronger economy. ... See MoreSee Less

Elite Wealth Creators

📌 NDIS - High Rental Yield Investment Properties

4 🛌, 4 🛀🏿 , 2 🚖
Rental Yield 20.76%
Expected Annual Income $141,427

😃 Message Us For More Information
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Elite Wealth Creators

😃 First Home Buyers
🏘 House & Land Packages Settlers Place, Werrington, NSW

📌 3 & 4 🛌, 2 & 2.5 🛁, 1 & 2 🚘
⭐️ SINGLE & DOUBLE STORY DESIGNS ⭐️

💰 $10,000 OFF ALL PACKAGES UNTIL THE END OF SEPTEMBER
📌 Titled 10/20
✅ Land From 277m2 - 355m2

👉 Message Us For More Information
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Elite Wealth Creators

📌 Dual Key Positive Cash-Flow Income Properties Available.

☺️ 3+2 Bedroom, 2+1 Bathroom, 1+1 Car

✅ SMSF Purchases Available

👉Message Us For More Information

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Elite Wealth Creators

Australian property market: Homeowners to benefit from low-interest rates for the next three years.

It will be happy days for Aussie homeowners for the next three years according to PM Scott Morrison – if you’re lucky enough to own one that is.

It’s the silver lining to the COVID-19 recession for those lucky enough to still have a job and own a home.

Low-interest rates are here to stay according to the Reserve Bank of Australia’s governor Philip Lowe and economists.

And homeowners can expect interest rates to remain at a record low for at least three years according to Prime Minister Scott Morrison.

The Prime Minister made the prediction on Friday after Dr Lowe and Treasury secretary Steven Kennedy joined the national cabinet to discuss the economy post-coronavirus.

“With unemployment expected to be at a measured rate of over seven per cent over the next two years, jobs is the issue. The number one economic issue’’ the Prime Minister said.

“And with rates low and expected to be low and financial markets performing well and rates being in the position where we could expect them to be for at least three years, if not more, which is what Dr Lowe told us this morning.” The record low-interest rates are of course a sign of just how much trouble the economy is in as unemployment soars and businesses go under.

But for those who remain in stable jobs, it also holds huge opportunities to pay off debts faster.

For first homeowners entering the market, it’s also good news as property prices fall or remain stagnant in most capital cities.

The RBA has set the official cash rate at the historical low of 0.25 per cent, prompting interest rates on variable and fixed-rate mortgages to tumble.

As a result, many home loan borrowers are looking to refinance due to the low rates and the COVID-19 pandemic.

It’s an option the RBA has urged homeowners to consider to get a better deal during the pandemic.

“I encourage people who haven’t already taken up the opportunity to do that to look at their mortgage rate and look for a better deal,” the RBA’s Dr Lowe said last month.

“For many years I’ve been, in lots of public forums, I’ve been encouraging people to look at the rate they were getting from their bank, and if they weren’t getting a very low rate, go and knock on the door and set up a Zoom conference with their banker and ask for a better deal,” he said.

“And if the bank said no, go to another bank.”

According to RateCity, there are now eight smaller lenders offering home loan rates under two per cent in Australia.

The lowest variable on the market is 1.95 per cent and the lowest fixed rate is 1.98 per cent.

“It’s a win for homeowners to see the list of lenders offering rates below two per cent continuing to grow,’’ RateCity research director, Sally Tindall, said.

“Some of these sub-two per cent rates have unusual terms and conditions so they won’t suit everyone.

“We expect more lenders to join the under two per cent club, but it’s unlikely the big four banks will take out a membership any time soon,” she said.

According to RateCity, the average homeowner can save around $250 a month by switching to a two per cent loan based on a $400,000 owner-occupier home loan paying principal and interest. But for those struggling to repay loans after suffering a pay cut or job losses, there are reports that banks are trying to hit them with a rate hike after offering a mortgage honeymoon.

“These customers should be getting a rate cut, not a rate hike. Asking people to pay more interest when they are in financial distress doesn’t seem fair or reasonable,’’ Ms Tindall said.

“They need genuine help from the banks, not a bigger interest bill.

The record low-interest rates also mean that borrowing money is cheaper for the government too, with the RBA urging the states to borrow to spend on infrastructure programs to kickstart the economy.

“As I’ve noted before, the level of Commonwealth investment in fiscal intervention in this crisis is well over 15 per cent of our economy,’’ the PM said on Friday.

The record low-interest rates also mean that borrowing money is cheaper for the government too, with the RBA urging the states to borrow to spend on infrastructure programs to kickstart the economy. permanent increases in public spending to the tune of two per cent of GDP or $40 billion over the next two years.”

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Elite Wealth Creators

📌FIRST HOME BUYERS, QLD
Buy your first home in PARK RIDGE, QLD!

$10,000 In Savings Can Get You Started Today With Our NANO-DEPOSIT Homeownership Programme!

👉Brand New House & Land Packages Available

3 & 4 🛌
2 🛁
2 🚘

☺️ Stop Renting NOW! ... See MoreSee Less

Elite Wealth Creators

Great Opportunity To Purchase A Dual Key Positive Cash Flow Investment Property in QLD. In Your SMSF (Self-Managed Super Fund).

4+1 Bedroom
2+1 Bathroom
1+1 Car
Land Size 553m2
Rental Income $620-$650 p/w

Message Us for more information!
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Elite Wealth Creators

Tips to becoming a First Home Owner sooner:

1 - Understand your borrowing capacity, how much the Bank will lend you depends on your combined household income VS your household liabilities (we can help)

2 - Do not waste your hard earned money, save between $15k-$25k (we can help)

3 - Select a NEW Home & Land package, we have numerous locations to suit all budgets. Ensure it is a genuine Turn Key package (we can help)

4 - Apply for a home loan and applicable First Home Owner Grants and Schemes available in your state (we can help)

5 - Surround yourself with a team of experts including Mortgage Broker, Property Professional, Solicitor and Experienced Builder (we can help)

If you are interested in fast tracking your journey to home ownership, we encourage you to get in touch with us TODAY! 🙋🏻‍♂️

Why pay someone else’s mortgage when you have the opportunity of owning your own home😎

More-> fhbnanodeposit.com.au/?fbclid=IwAR2RdeTSqAWTlM3w81-eZSrGWihKtE0UKxFpcVEkHIffoQ0femW4Ar8cNk0 ... See MoreSee Less

Elite Wealth Creators

Stamp duty paused for NSW first home buyers to boost construction.

The Berejiklian government will temporarily axe stamp duty on new homes under $800,000 for first home buyers in a bid to boost construction and create jobs amid the COVID-19 crisis.

Premier Gladys Berejiklian said the government expected more than 6000 first home buyers would benefit from the changes, saving eligible first home buyers thousands of dollars.

"Thousands of people will see their bank balances benefit from this change - it will help get more keys into more front doors of more new homes," Ms Berejiklian said.

"It will also boost housing construction across NSW and support jobs in the building industry at a time when we need them more than ever before." Under the changes, the threshold for stamp duty being charged on new homes
for first home buyers will increase from the current $650,000 to $800,000, with the concession reducing on higher values before phasing out at $1 million.

The stamp duty threshold on vacant land will also rise from $350,000 to $400,000 and will phase out at $500,000.
The change to the thresholds will only apply to newly-built homes and vacant land, not to existing homes, and will last for 12-months, starting on August 1. The state will also continue to offer a $10,000 first homeowner grant, which is
available to people buying a new first home worth no more than $600,000, or buying land and building a new first home worth no more than $750,000. This means the maximum benefit a homeowner could be entitled to is $32,335 if purchasing a new home and accessing the grant.

GET STARTED TODAY WITH OUR $10,000 IN SAVINGS FAST-TRACK NANO-DEPOSIT HOMEOWNERSHIP!

Book A Free Phone Consultation To See If You Qualify.
live.vcita.com/site/elitewealthcreators

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Elite Wealth Creators

Definitely our cutest First Home Buyer!
Only just started walking and already a Home owner🙋🏻‍♂️

Stay tuned, only weeks away from moving in day🚛

📍Gregory Hills, Sydney
#firsthomebuyer #houseandlandpackages #firsthomeloan #lowdeposithomeloan #firsthomeownersgrant #southwestsydney ... See MoreSee Less

Elite Wealth Creators

ATTENTION TAMWORTH FIRST HOME BUYERS!

We have Registered House & Land Packages in Baringa Gardens, Tamworth, NSW - Starting from $441,000

Get In Today with $10,000 in Savings through our Fast-Track NANO-DEPOSIT Homeownership.

4 Bedroom, 2 Bathroom, 2 Car
Land Size: 703 - 724m2

Message Us to today to see if you Qualify! ... See MoreSee Less

Elite Wealth Creators

🏘DUAL KEY POSITIVE CASH-FLOW INCOME!
HAMLYN GROVE, HAMLYN TERRACE NSW

RENTAL $750-$850 p/w

3+2 🛌, 2+1 🛁, 1+1 🚘

Located in Hamlyn Terrace upon a gently undulating site with district views and edged by woodland, is an opportunity to live close to schools, transport, sporting facilities, lakes & beaches. Central Coast is popular with young families, singles and retirees.

📌 INCLUSIONS
• Turnkey finish & fixed site costs
• Termite protection
• Connection to the grey water tank
• Colorbond roof • 20mm manufactured stone kitchen benchtop
• Coldwater to fridge space
• Stainless steel kitchen appliances
• Reverse cycle/split system air conditioner in living and main bedroom
• 2550mm high ceilings • Ceiling fans
• Undercover tiled alfresco area • Fully fenced, turfed & landscaped

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Elite Wealth Creators

INVESTORS - DUAL KEY INCOME
GREGORY HILLS ESTATE, GREGORY HILLS NSW

3+2 Bedroom, 2+1 Bathroom, 1+1 Car

Gregory Hills is a vibrant, established community in South-West Sydney where residents enjoy both the quiet life of a village and the modern conveniences of a city within reach.

Gregory Hills has been masterfully designed to provide our
residents and the broader Macarthur region with a place to play, shop and eat with shopping, restaurants, cafes and entertainment quarters on their doorsteps.

INCLUSIONS
• Turnkey finish & fixed site costs
• Termite protection
• Connection to grey water tank
• Colorbond roof
• 20mm manufactured stone kitchen benchtop
• Coldwater to fridge space
• Stainless steel kitchen appliances
• Reverse cycle/split system air-conditioner
in living and main bedroom
• 2550mm high ceilings
• Ceiling fans
• Undercover tiled alfresco area
• Fully fenced, turfed & landscaped

Rental Income $840 - $940 p/w
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Elite Wealth Creators

NEW HomeBuilder Scheme: $25k Government Grants offered for new Builds and Renovations🔨

⚠️Key Points:
✅ Applicant(s) must be Australian Citizens
✅ Single Applicant earning up to $125k and Couples earning up to $200k
✅ First Home Buyers or building again up to $750k (inc land)
✅ Renovation minimum $150k
✅ Principal place of residence only, cannot be used for Investment
✅ First Home Buyers still eligible to receive State First Home Owner grant. For example NSW buyer could receive $10k First Home Owner Grant AND Homebuilder Grant $25k, total of $35k!
.
.
.

We can still assist First Home Buyers who are Permanent Residents!🙌

Message us to find out what it means for you and if you're eligible 📲
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Elite Wealth Creators

🙋‍♀️First Home Buyers Get Started Today with our Nano-Deposit $10,000 Savings.

💰💰Take Advantage Of The Federal and State Government Grants Total $40,000. Together with our help, we can get you into your home NOW.

⭐️ ⭐️We have packages in SPRINGFIELD RISE, QLD starting from $492,500

📌 PACKAGE HIGHLIGHTS ( FREE DUCTED)

✅ Full house concrete render and paintwork
✅ Colorbond roof with the thickest insulation in the market - to achieve minimum Rating R3.0
✅ Engineered Stone benchtops
✅ 2 Pac kitchen cabinetry, with soft close cupboard doors
✅ Stainless steel dishwasher with 3 years warranty
Stainless steel glass canopy range hood with 5 years warranty
✅ Technika 900mm wide upright stainless steel five burner gas and electric oven with 5 years warranty
✅ Fridge water connection
✅ 2 Pac wall hung vanities with soft close doors
✅ Combination rain shower with built-in niche
✅ Melamine custom robe fit out with shelving
✅ 3 x USB power points ( 2x to master bed + 1 x to the kitchen)
✅ LED downlights throughout
✅ White designer ceiling fans
✅ 1200mm wide front door
✅ 600 x 600 polished porcelain floor tiles throughout
✅ Pin mixer tapware
✅ Split system Air-conditioning
✅ Security screens to windows and sliding doors
✅ Smart wire ready/NBN prewired
✅ Exposed aggregate alfresco and driveway
✅ Fully fenced and landscaped with mature plants
✅ Raised alfresco ceiling with ceiling fan
✅ Integrated client handover pack with product warranties and manuals
✅ Complete Property Management handover pack
✅ Progress stage photos throughout the construction
✅ Professional photos upon completion (Value $600.00)
✅ Tax Depreciation Schedule included (Value $450.00)
✅ 6 years of structural warranty
✅ 25 years timber frame & truss supplier warranty
✅ Frameless mirror to bathroom vanities

👉Message us today for more Information
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Elite Wealth Creators

Exciting times ahead for Stewart and Viven commencing construction on their First Home🏡👨‍👩‍👦

Own your First Home sooner 👉https://firsthomebuyersnano-deposit.elitewealthcreators.com/
#firsthomebuyers #firsthomebuyersgrant #firsttimebuyers #Firsttimebuyerspecialist #firsthomebuyer #firsthome #firsthomeowners ... See MoreSee Less