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Investing

  • It is our number one goal to help our clients accumulate more properties, in order to have the lifestyle you deserve in your retirement, it is our belief that passive income from property will allow you to live how you want to live without relying on any government pension.
  • We help you find genuine low cost home loans so you can accumulate more properties
  • We give you strategies to pay off loans must faster and save tens of thousands in interest expenses
  • Find loans with a structure that can help you add to your property portfolio faster
  • Minimise your tax exposure – legally and forever
Tax and negative gearing

Having a good understanding of the tax issues involved in property investment is vital if you are planning to build a solid investment portfolio. This knowledge will also give you a true idea of how much your investment will cost you each year.

Expenses

Sandcastle Finance can provide you with an indicative cashflow analysis of your investment property over time, including loan repayments, strata fees, rates, management fees, maintenance costs, and property taxes

Negative gearing

An investment property is ‘negatively geared’ when the mortgage interest and other tax deductions – such as management fees, maintenance costs and rates – are greater than the rental income. This results in a net loss that may be offset against your other income (such as your salary), to lower your overall tax bill. In this way, the tax man – as well as your tenants – helps you to pay for your investment property. Hopefully your property is steadily appreciating in value in the meantime.

Depreciation

One of the key elements of an investment property’s effectiveness is the ability to make it a tax-effective investment strategy by depreciating items. In order to get all the deductions you are entitled to, it is recommended that you call on the help of an expert. Specialist companies can inspect your property and estimate the cost of the building’s capital works, along with the value of fixtures and fittings.

Other property taxes

As well as council and water rates, investors can expect to pay capital gains tax and land tax. Capital gains tax applies to investment properties purchased after 19 September 1985 and sold after a period of 12 months. Land tax is a State-based annual tax that is based on land value only and is tax-deductible in relation to any income-producing property.

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