Page 75 - The-Mortgage-Maximiser-Method-by-Thomas-Ilinkovski

,ŽƵƐĞͲĂŶĚͲůĂŶĚ ƉĂĐŬĂŐĞƐ ĐĂŶ ďĞ Ă ŐŽŽĚ ŽƉƟŽŶ ĨŽƌ ĞdžƉĂƚƐ ŐŝǀĞŶ ƚŚĂƚ
ƚŚĞ ƉƌŽƉĞƌƚLJ ǁŝůů ďĞ Ă ďƌĂŶĚͲŶĞǁ ĐŽŶƐƚƌƵĐƟŽŶ͕ ŶĞŐĂƟŶŐ ƚŚĞ ŶĞĞĚ ƚŽ
ŇLJ ƚŽ ƵƐƚƌĂůŝĂ ƚŽ ǀŝĞǁ ƚŚĞ ƉƌŽƉĞƌƚLJ͘

iii. Kī ƚŚĞ ƉůĂŶ

ƵLJŝŶŐ Žī ƚŚĞ ƉůĂŶ ŚĂƐ ŵĂŶLJ ƐŝŵŝůĂƌ ďĞŶĞĮƚƐ ƚŽ ƚŚĂƚ ŽĨ ďƵLJŝŶŐ Ă
ŚŽƵƐĞͲĂŶĚͲůĂŶĚ ƉĂĐŬĂŐĞ͕ ďƵƚ ƚŚĞƌĞ ĂƌĞ Ă ĨĞǁ ĞdžƚƌĂ ĞůĞŵĞŶƚƐ ƚŽ ƚĂŬĞ
ŝŶƚŽ ĐŽŶƐŝĚĞƌĂƟŽŶ͘ ƵLJŝŶŐ Žī ƚŚĞ ƉůĂŶ ŝƐ ĚŝƐĐƵƐƐĞĚ ŝŶ ĨƵƌƚŚĞƌ ĚĞƚĂŝů
ůĂƚĞƌ ŝŶ ƚŚŝƐ ƐĞĐƟŽŶ͘

The importance of accountants

If you are an Australian expat and planning to buy a property for investment
ƉƵƌƉŽƐĞƐ͕ ŝƚ ŝƐ ŝŵƉŽƌƚĂŶƚ ƚŚĂƚ LJŽƵ ƐƵďŵŝƚ Ă ƚĂdž ƌĞƚƵƌŶ ĞǀĞƌLJ LJĞĂƌ ƚŽ ƉƌĞƐĞƌǀĞ
ĂŶĚ ƚĂŬĞ ĂĚǀĂŶƚĂŐĞ ŽĨ ĂŶLJ ŶĞŐĂƟǀĞ ŐĞĂƌŝŶŐ ďĞŶĞĮƚƐ͘ /ƚ ŝƐ ŚĞůƉĨƵů ƚŽ ƵƐĞ ĂŶ
ĂĐĐŽƵŶƚĂŶƚ ǁŚŽ ŝƐ ĞdžƉĞƌŝĞŶĐĞĚ ŝŶ ŶŽŶͲƌĞƐŝĚĞŶƚ ƚĂdž ƌĞƚƵƌŶƐ͘

Rural properties and high-risk postcodes

^ŽŵĞ ůĞŶĚĞƌƐ ǁŝůů ďĞ ƐĞůĞĐƟǀĞ ĂďŽƵƚ ƚŚĞ ƉŽƐƚĐŽĚĞƐ ƚŚĂƚ ƚŚĞLJ ůĞŶĚ ƚŽ ĂƐ
ƚŚĞLJ ŶĞĞĚ ƚŽ ĞŶƐƵƌĞ ƚŚĞLJ ĐĂŶ͕ ŝĨ ŶĞĞĚƐ ďĞ͕ ƐĞůů ƚŚĞ ƉƌŽƉĞƌƚLJ ĞĂƐŝůLJ ƚŽ ƌĞĐŽƵƉ
their costs promptly if there is any default on the mortgage. More secluded
ƉƌŽƉĞƌƟĞƐ ĂŶĚ ůĂƌŐĞ ĂĐƌĞĂŐĞ ƉƌŽƉĞƌƟĞƐ ĐĂŶ ďĞ ƐƵďũĞĐƚĞĚ ƚŽ ŵŽƌĞ ŝŶƚĞŶƐĞ
ƐĐƌƵƟŶLJ ďLJ ůĞŶĚĞƌƐ ĚƵĞ ƚŽ ƚŚĞ ůŽǁ ĚĞŵĂŶĚ ĨŽƌ ƚŚĞƐĞ ƚLJƉĞƐ ŽĨ ƉƌŽƉĞƌƟĞƐ͘

Rural

tŚĞŶ ŝƚ ĐŽŵĞƐ ƚŽ ƌƵƌĂů ƉƌŽƉĞƌƟĞƐ͕ ƚŚĞƌĞ ĂƌĞ ďƌŽĂĚůLJ ƚǁŽ ƚLJƉĞƐ ŽĨ ƉƌŽƉĞƌƟĞƐ
ƚŽ ĐŽŶƐŝĚĞƌĞĚ͕ ǁŚŝĐŚ ĂƌĞ͗

• &ƵŶĐƟŽŶŝŶŐ ĨĂƌŵƐ ŽŶ ŵŽƌĞ ƚŚĂŶ ϭϱϬ ĂĐƌĞƐ͘

• ,ŽďďLJ ĨĂƌŵƐ ŽŶ ĨĞǁĞƌ ƚŚĂŶ ϭϱϬ ĂĐƌĞƐ ŽĨ ůĂŶĚ͘

&Žƌ ůĞŶĚŝŶŐ ƉƵƌƉŽƐĞƐ͕ Ă ŚŽďďLJ ĨĂƌŵ ŝƐ ďƌŽĂĚůLJ ĚĞĮŶĞĚ ĂƐ ŽŶĞ ƚŚĂƚ ĚŽĞƐ ŶŽƚ
ŐĞŶĞƌĂƚĞ ĂŶLJ ŝŶĐŽŵĞ ĂŶĚ ŝƐ ƵŶĚĞƌ ϭϱϬ ĂĐƌĞƐ͘ &Žƌ ƚŚĞƐĞ ƚLJƉĞƐ ŽĨ ƉƌŽƉĞƌƟĞƐ͕
ƚŚĞƌĞ ĂƌĞ ŽƉƟŽŶƐ ƚŽ ƉƵƌĐŚĂƐĞ ǁŝƚŚ ŶŽƌŵĂů ůĞŶĚŝŶŐ ƉƌŽĐĞƐƐĞƐ͕ ĐƌŝƚĞƌŝĂ ĂŶĚ

interest rates.

dŽ ƋƵĂůŝĨLJ ĨŽƌ ŶŽƌŵĂů ůĞŶĚŝŶŐ͕ Ă ŚŽďďLJ ĨĂƌŵ ƚLJƉŝĐĂůůLJ ŵƵƐƚ͗

• Cover a ŵĂdžŝŵƵŵ ŽĨ ϭϱϬ ĂĐƌĞƐ.

• Have a ƉĂǀĞĚ ƌŽĂĚ ;ƌĞƋƵŝƌĞĚ ďLJ ƐŽŵĞ ůĞŶĚĞƌƐͿ

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