— PWF PROGRAM —OUR
— PWF PROGRAM —OUR
Are you tired of feeling like your financial future is a constant source of uncertainty? Do you dream of achieving long-term financial security but aren’t sure how to make it happen? At PWF, we understand how overwhelming the journey to financial freedom can be.
That’s why we’re here to guide you through every step of the process and create a personalised program tailored to your unique financial goals and circumstances. We firmly believe that everyone has the potential to build wealth and achieve financial freedom, and we want to empower you to make that a reality.
With our proven strategies, expert guidance, and commitment to your success, we’ll help you navigate the complex world of property investing and create a roadmap for your financial future.
Our system is built on three core pillars:
Investing for long-term financial success requires generating income from day one. At PWF, we invest in properties that produce immediate cash flow to help you pay off debt faster and build a solid foundation for the future. This not only builds a solid foundation for long-term financial success, but also provides the means to purchase more properties and grow your portfolio over time. With our income-focused approach, you can achieve your long-term investment goals faster and with greater confidence.
We focus on purchasing properties in high-growth areas that generate both immediate cashflow and long-term appreciation. By leveraging the equity in these properties, you can use that growth to provide the deposit for your next purchase, allowing you to scale your portfolio and achieve exponential growth. Our dedicated team of experts carefully evaluate opportunities based on growth factors such as infrastructure, employment, and supply and demand in the area. This not only helps you achieve your financial goals, but also enables you to purchase more properties and grow your portfolio even further.
Duplication involves analysing the performance of your existing investments, identifying the successful strategies, and replicating them to create exponential growth. With Duplication, you can maximise the potential of your investment portfolio by using the equity from your existing properties, combined with the income generated from your cash flow positive properties to buy even more properties and grow your wealth. And the best part? Banks will factor in your positive cash flow and add it to your income, increasing your borrowing capacity and allowing you to purchase more properties. It’s a powerful strategy that can accelerate your path to financial freedom.
John and Mary’s Story
John and Mary came to PWF in 2010 aged 46 and 49. They wanted to be in a position to retire in 2024 when John turned 60 and knew that they would need some guidance to make it happen. After attending a PWF Seminar, they were blown away by the Income, Growth and Duplication strategy and committed to a personalised consultation with our Senior Investment Strategist.
John and Mary were a typical Australian couple; they had a nice home with mortgage, some super and a small Veterans Affairs Pension. They were involved in community sport, supported a couple of charitable organisations and volunteered with the SES. They didn’t want to compromise their current lifestyle, nor did they want to be working into their late 60’s just so they could qualify for the age pension. They wanted the financial freedom to be able to travel around the country, maintain their interest and support for their community causes and calculated that a passive income of around $75,000 per year would give them that freedom. Assuming a 5% return from their investments, that meant they needed to accumulate around $1,500,000 in net assets over the next 14 years, as well as paying off their home loan.
A strategy was adopted whereby the clients would leverage off the equity in their home to acquire their first investment property in 2010, and then subsequently leverage of the growth in that property to acquire a second and third property over the following 4 years. This concept of duplication is a key component of PWF growth strategies, along with careful oversight of the pre and post tax income from the properties.
The first property they bought through PWF was a dual income property at Caboolture for $490,000. Two years later, the property was revalued and they were able to access the increased equity to acquire their second investment property for $526,000. In 2014 they acquired their third investment property for $600,000. All three investment properties were bought in their personal names, with maximum depreciation and tax deductibility.
In 2015, following advice from an independent financial planner, they established a SMSF, rolled over their industry super funds and acquired an investment property within the SMSF for $535,000. The long term intention is that the property provide ongoing income in their retirement.
At the clients’ most recent annual review, John and Mary reaffirmed their intention to retire in 2024. The SMSF property is now valued just under $800,000 and is rented for $790 per week. The remaining three investment properties have a collective value of $2,725,000 and generate rental income of $2,580 per week. An added bonus for the clients is that first two properties are dual income and both have been strata titled, meaning each unit is now on its own title.
Over the next couple of years they will look to downsize their property portfolio, ensuring that they retain the highest yielding properties for that all important passive income. While they do have the option to continue working for a few more years, even in a part time capacity, they have hit all the goals they set for themselves in 2010. Their home is paid off, and they have a further $1,588,000 net equity across the four investment properties. They anticipate that in two years’ time, their slimmed down property portfolio will be debt free, and generating $94,380 per year in rental income.
OUR STEP-BY-STEP PROGRAM
The first step is to have an initial consultation and identify your investment goals and what you hope to achieve through property investment. We work with you to understand your financial objectives, risk tolerance, and investment preferences. This helps us develop a personalised investment plan that aligns with your goals.
Once we understand your goals, we develop a strategy that is tailored to your unique needs. We consider a range of factors, including your cash flow, borrowing capacity, and the current market conditions to develop an investment strategy that maximises your returns while minimising risks. We use a variety of data and tools to ensure that we identify properties with the potential to provide high rental yields and capital growth.
Choosing the right finance structure is essential to building a successful property investment portfolio. We will establish the right finance structure that will need to achieve your investment goals and prevent costly mistakes in the future. We work with a range of lenders to ensure you get the best finance deal possible. In addition to helping identify the right finance structure, we also provide support throughout the entire finance process. We assist you with the application process, review loan documents, and ensure that you fully understand the loan terms and conditions. Our team works hard to make sure that the finance process is smooth and stress-free, so you can focus on building your investment portfolio.
Our selection of Cash flow positive properties is designed to help you build your portfolio sooner. At PWF, we don’t just focus on the properties that are available on the open market. We use our extensive network and proprietary methods to identify wholesale and off- market opportunities that offer excellent growth potential.
Our team of experts uses a data-driven approach to identify properties with the most potential for income and growth, and we provide ongoing support to help you maximise your returns and achieve financial success. After conducting our research, we will present you with a shortlist of properties that meet your investment criteria. You will have the opportunity to inspect each property and ask any questions you may have.
With our “done-for-you” system, we take care of everything from start to finish. Our experienced team manages the entire process, including property selection, contracts, legal matters, finance, settlement, finding a tenant, and ensuring you receive any tax deductions. We won’t stop working for you once you’ve made your investment – we guide you through the settlement process, handle all the necessary paperwork, and liaise with your solicitor and the seller’s agent to ensure a seamless and stress-free settlement.
We have a team of experienced property managers who will help you find a tenant quickly, and then manage your property on an ongoing basis. This includes regular inspections, rent collection, and maintenance and repairs,
No plan works without consistent reviews. Investing in property is a long- term strategy that requires ongoing attention and review. We work with you to conduct regular reviews of your investment portfolio, ensuring that it remains aligned with your investment goals and strategies. We believe that education and support are key to building a successful investment portfolio, and we’re committed to providing ongoing support to our clients every step of the way.
We leave no stone unturned, constantly checking with property managers to ensure you’re getting the highest possible rent and working with lenders to ensure you’re on the best possible loan. Our commitment to maximising your entire portfolio means that you can sit back and watch your wealth grow with confidence.
By following this six-step plan, we can help our clients to achieve their financial goals and create a blueprint for long-term success. And by focusing on the pillars of income, growth, and duplication, we can help our clients to generate income, build wealth, and achieve long-term financial freedom.
OUR STEP-BY-STEP PROGRAM
Our team of experienced property experts has years of experience in the real estate industry, and we have refined our selection criteria over several decades and property cycles.
By using our proprietary method of 16 key indicators, we can confidently select properties that have a high likelihood of success, generating income from day one. This approach ensures that our clients have a portfolio of assets that are producing income, increasing their borrowing capacity and allowing them to build long-term wealth.
The location is the most critical aspect of property selection. We perform extensive research into the area, such as population growth, demographics, infrastructure development, and potential rental demand to ensure that our clients invest in the right location.
2. Population Growth & Demographics
Population growth is a key driver of property demand and understanding the demographics of a particular area can help us identify the types of properties that are likely to be in demand.
By analysing demographic trends such as the increase in future migration, we can predict changes in demand for different types of properties. For example, if there is a projected increase in migration to a particular area, we may choose to invest in properties that are likely to appeal to these migrants, such as properties with a convenient location and access to public transport.
3. Future Supply vs Underlying Demand
One of the key factors in identifying profitable investment opportunities in the property market is by analysing the balance between future supply and underlying demand. We look at both macro and micro factors to determine how much supply is currently in the market, and how much demand exists for those properties.
This includes analysing future development applications and approvals, planned infrastructure developments, and population growth projections. By considering these factors, we can predict future trends in the property market, and identify the areas where supply is likely to exceed demand or vice versa.
4. Low rental vacancy rates
One of the key indicators of a strong property market is a low rental vacancy rate. This is because it suggests that there is high demand for rental properties, which in turn drives up rental prices and capital growth. At PWF, we use this information to identify investment opportunities in areas with low rental vacancy rates, as it suggests a high demand for rental properties and the potential for strong returns.
5. Rental yield
In a high inflation and rising interest rate environment, it is important to invest in high-yield properties that generate strong rental income. This helps to offset the impact of inflation and rising interest rates on your investment returns.
We use a rigorous analysis of rental yield to determine which properties are likely to deliver positive cash flow. This involves considering factors such as purchase price, potential rental income, maintenance costs, and any other expenses related to owning the property.
6. Capital growth potential
A property with strong capital growth potential is essential to achieving long-term wealth creation. We look at factors such as market trends, population growth, and supply and demand to identify properties that are likely to increase in value.
7. Council planning and development
We conduct thorough research into the local council’s planning and development projects to identify potential areas for growth and capital appreciation. This allows for increased cash flow and greater capital growth potential in the long term.
8. Market trends
It is important to keep a close eye on market trends during a period of high inflation and rising interest rates. This includes tracking property prices, rental yields, vacancy rates, and demographic shifts. We keep up-to-date with the latest market trends and make informed decisions based on our knowledge of the current and future property market. This allows us to adjust our investment strategies to ensure that our clients continue to achieve long-term success.
9. Government infrastructure spending
Properties that are located in areas that have recently received or are slated to receive government infrastructure spending, such as new public transportation, highways, or schools, are often attractive investments due to their increased desirability and potential for long-term growth.
10. Employment Opportunities
We examine the diversity and strength of local employment opportunities, as well as projected job growth, to help ensure the long-term viability of an investment property. This approach helps to ensure that our clients’ properties are likely to remain attractive to tenants, which in turn helps to ensure a steady rental income.
11. Price to Rent Ratio
We look at the relationship between the property’s purchase price and expected rental income, to determine whether the property is likely to provide strong cash flow and be a good investment. By carefully assessing this ratio, we can help our clients to select properties that are likely to provide a good return on investment.
12. Vendor Motivation
We take the time to consider the motivation of the vendor to sell, as well as the property’s history on the market. This information can be used to negotiate the best possible price for our clients, which can be a critical factor in ensuring a successful investment.
13. Comparable Sales
We assess the prices of comparable properties in the area, to ensure that the property is priced appropriately and has strong potential for growth. This approach helps to ensure that our clients are investing in properties that are likely to appreciate in value over time, providing both long-term capital growth and a solid return on investment.
14. Building Age and Condition
There are several reasons why PWF prefers new builds as investment properties over existing homes. First and foremost, new builds typically have a higher level of energy efficiency, which can translate to lower utility costs for tenants and potentially higher rental yields for investors. Additionally, new builds often come with warranties and guarantees, providing a level of assurance to investors that major repairs or maintenance issues will not arise in the near future.
New builds are also more likely to be compliant with current building codes and safety regulations, which can help to reduce the risk of liability for investors. On top of that, new builds are often designed with modern amenities and features that are popular with tenants, such as open floor plans and high-end finishes.
15. Property Type
We look at the property type, such as apartment, townhouse, or house, and assess its suitability for the local rental market. Dual occupancy investments can be an attractive option for investors looking to maximise their rental income and returns. One of the key advantages of dual occupancy investments is that they offer the potential for multiple rental incomes from a single property. This means that investors can generate more cash flow than they would from a traditional single-occupancy rental property, which typically only generates one rental income.
16. Local Amenities
We examine the proximity and quality of local amenities, such as schools, parks, and public transport, which can be important factors for potential tenants.