Property Advice
If our clients want direct property advice we provide it.
Our property advice includes:
- Discussions of the general characteristics of property.
- Discussions on the differences of apartments, houses, inner city real estate, suburban real estate, mining towns etc.
- Discussions on the different classes of commercial property. (Industrial, retail, office, etc).
- Determining the most appropriate level of gearing (negative and positive).
- Property ownership structures - Joint tenants, tenants in common, discretionary trusts, superannuation funds etc.
- Tax minimisation including in the event of capital gains, depreciation and the building allowance.
- Principal Place of Residence Capital Gains Tax exemption.
- Property ownership asset protection strategy - in the event of litigation or bankruptcy.
- Avoiding Land Tax where possible.
- Debt reduction strategies.
- Borrowing in a Self Managed Super Fund.
- Ensuring adequate insurance in the event of ill health to avoid the possibility of a forced sale.
- Determining whether a property is regarded as business real property for superannuation purposes.
- Stamp duty issues.
- First home owners grant.
- First Home Saver Accounts.
What our property advice does not cover
- Marketing and specific recommendations of properties.
" I contacted Humphrey Partners through a website enquiry seeking professional advice including a life insurance review. Chris took the time to fully understand my financial position, goals and needs to provide me with timely, relevant and easy to understand personal advice. This allowed me to make an informed decision about the types of insurance I really needed, my appropriate levels of cover and how to structure my cover to get the best value for my money."
Carmel White