Investor Kit Resources

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Contents of this page

  • Super resource for renovators
  • Making a written offer
  • Property Portfolio Manager Spreadsheet
  • Accessing Equity Presentation
  • A comical explanation of the Credit Crunch
  • Renovation Survival Guide
  • Essential qualities of multi-millionaire property investors
  • Checklist for preparing your home for sale
  • Tax spreadsheet for Investment Properties
  • Improving your borrowing capacity

Making a written offer

Remember the more terms and conditions you add the more uneasy you may make the vendor so keep conditions to the minimum. This is provided as an example only please note that you should develop your own offer document and have your solicitor look over it to make sure it complies to all the necessary requirements.


Some examples of inclusions:

  1. Deposit $x or % payable after (-) days of exchange of contract with balance at settlement (the most common is 10% deposit in contracts but most negotiate to 5%)
  2. Subject to my satisfactory Building Inspection within (-) days
  3. Subject to my satisfactory Pesticide Inspection within (-) days
  4. Subject to my finance that is acceptable to me within (-) days (note try to negotiate 10 working days to allow for valuer delays etc)
  5. Subject to independent valuation within (-) days
  6. Settlement weeks after all conditions have been met
  7. Subject to my satisfactory survey report within (-) days
  8. Subject to my due diligence with local council within (-) days
  9. Subject to my property manager to have access to the property prior to settlement for inspection purposes and showing prospective tenants through. (if taking vacant possession, ie no tenants).
  10. Subject to reasonable access for the purpose of quotes for tradespeople to complete renovations after settlement
  11. Subject to vacant possession
  12. Subject to the chattels, fixtures and fittings as seen on the date of inspection (nothing worse than seeing items missing as they were not listed in the contract)
  13. Subject to all electrical and plumbing items to be in good working order prior to settlement (take a comprehensive checklist for your pre-settlement/final inspection and push-pull-turn on what you can)
  14. Subject to all council and regulatory approvals on all building and renovations (that pergola or garden shed just may not be legit)
  15. Subject to builder’s warranty insurance (for new houses or any recent renovations such as pool or pergola)
  16. If buying a unit – make the offer subject to a satisfactory search of the body corporate records

This is merely an example of terms you may consider including this is not exhaustive – and remember if you are going to auction then any changes or inclusions to the standard contract must be agreed between the solicitors prior to the auction for eg the 5% deposit or the light fittings being included etc

Property Portfolio Manager Spreadsheet

Many of you know that without clear direction you can’t achieve anything. That is why I spend so much time talking to people about setting goals and then working out which property investing strategy will help them achieve that goal.

Without those fundamentals I believe you are gambling with your investments success. Similarly I know that tracking your portfolio regularly and reviewing how each property fits into that strategy is imperative. I have devised a very simple spreadsheet with very simple formulae’s to help track if your property is on track to helping you achieving your goals.

This simple spreadsheet is an alternative to you spending hundreds on software that will assist you in achieving the same outcome – perhaps without even linking it back to your goals.


Accessing Equity Presentation

Many people use equity in their own home to leverage into property investment. There are a number of ways that this can be done. In my experience I find that most purchase their first home and investment property without a clear strategy and hence without having their finance setup correctly. I often find that this then limits flexibility and can actual stall investment plans. For those who plan to create a property portfolio finance strategy is almost as important as which property you buy. If you do it correctly you can leverage off the new equity you have created to allow you to purchase again. This short presentation demonstrates one such strategy. Remember this is general information and not specific to your circumstances so please contact Investors Choice Mortgages to discuss how you can apply this strategy. Please also read the article on cross collaterisation to further understand the implications of not setting up your finance correctly.



– with kind permission from Defence Housing Australia

A comical explanation of the GFC, the Credit Crunch

These funny little stick men simply describe one view on how the credit crunch came about – be warned there is some offensive language.


Renovation Survival Guide

Having just complete our 6th renovation using the buy, renovate and hold strategy we have learnt a few things along the way. Remember like most things if it was easy everyone would be doing it, and in the end you get out of it what you put in. That does not mean you can’t learn from the learnings of others. I hope these shared learnings assist you in your renovations


Essential qualities of multi-millionaire property investors – wow this is a list from over 10 years ago and it still holds true

“Essential qualities of multi-millionaire property investors” Dale Beaumont


Checklist for preparing your home for sale

Thank you to Emma McDermott, Principal of n-gauge property marketing for supplying this check list.


Tax spreadsheet for Investment Properties

This is the same spreadsheet I have been using for over 15 years to make tax time easier. As always this is for your personal use and does not consider your specific circumstances. This spreadsheet does not take the place of advice from a qualified accountant or financial planner, you should speak to your advisor. I hope it saves you time and money as it has done for us


Improving your borrowing capacity

Lenders have various criteria when considering your borrowing capacity. This handy document gives you access to a number of these. By no means is this list exhaustive however it is the main factors you need to pay attention too.