Confused about where to start?

Did you know that many investors give up after their first property? Here’s everything you need to know about investing in property, so you can use property to position you well for your future prosperity.

The Property Ecosystem

Hover over the circles to learn how to create an investment portfolio that will position you well.

Tap on the circles to learn how to create an investment portfolio that will position you well.

“The greatest enemy of knowledge is not ignorance, it’s the illusion of knowledge.”

Stephen Hawking

Inspired by PIPA 

How to make every single dollar work to grow your property portfolio.

Step 1 – Introduction to Aviate and Investment Property

What to Expect

1.  Integrity

The client’s needs come first. Always.

One of the hallmarks of a professional with integrity is the honesty to stay within their area of expertise, and help you get the best advice possible, even if it means sending you away to another person.

2. Fair and transparent

How does your adviser make money? Do you know the whole story?

Understanding how everyone is paid is critical to be able to trust the professionals you rely on. It must be fair and transparent. This is why Aviate caps the total commission at maximum 6% of the property price.

You should feel comfortable asking your Property Investment Consultant from Aviate about the property commission payment for your purchase.

Aviate charges the developer a commission for each sale made.

From the vendor’s commission, many of our referral partners will earn a referral fee for their contribution

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3. Reputation and accreditation

We will go to extreme lengths to protect our reputation. We work with partners who will do the same.

Our referral partners have gone through a due diligence process to evaluate Aviate. In many cases, the umbrella organisations have combed through Aviate and our business processes, including the investor qualification process and property research and selection process.

Capped commission

At Aviate, we ensure that your needs as an investor are aligned with ours with a simple mechanism – we cap all commissions at a single, standard rate. This levels the playing field and makes sure we don’t favour one property over another for our own selfish reason. If we are offered a higher commission rate from the vendor we will happily rebate the additional sum back to you, the investor.

Ask us today if you need help finding an accountant, financial planner or mortgage broker.

Get Educated

Everyone knows about property. After all, creating a beautiful home is a basic human need.

However buying property as an investment is a different proposition.

You need to know…

  • You need to know the risks of buying existing or buying new, or off-the-plan.
  • You need to know the difference in performance between a regional or rural property versus an inner city apartment.
  • You need to know the pitfalls of buying to renovate, or house-and-land packages, or strata title apartments.
  • You need to be able to define the property investment basics: capital growth, rental yield, vacancy rates as well as general investment concepts such as return on investment, debt and equity.

Knowing these things empowers you to ask the right questions. Get property educated.

Conversely, if you don’t yet know, you are at risk of falling for a property spruiker and making some bad investment mistakes.

Join us for Table for Eight – regular free intimate property workshops to help educate people about property investment. Click here to check the calendar for the next session nearest you.

You can also start by downloading our infographic explaining Aviate’s property research methodology.

Step 2 – Investor profiling and property recommendation

Personalised Investing

You need investment property that suits you.

The routes towards financial self-sufficiency – where you no longer need your job, your pension or your friends and family to live the lifestyle you desire – are many and varied.

An Aviate property might able to help you on your journey, depending on your personal situation.

First – an Aviate Property Investment Consultant will meet with you to discover your aspirations, your goals and your appetite for risk.  At this stage, your mortgage broker and financial planner might help with your purchasing power and your timeframe for investing.

Properties that Real Estate Professionals Buy

We are proud of the large proportion of real estate experts that buy Aviate properties.

Once we know a little about you, it’s time for you to know about our properties.

Second – pulling it all together to pair you with an Aviate property that we believe will position you well.

Your personalised property recommendation will contain details of the recommended property itself, plus an analysis of the financial impact on your personal situation using our investment modelling tool.

The most important piece of the puzzle is selecting a good property. This is Aviate’s specialty.

Don’t rely on our word for it.

We are proud of the huge number of property industry “insiders” that are Aviate clients.

We hope we can help you, as we have helped thousands of investors along their own path to financial self-sufficiency.

Once you are happy with the recommendation, Aviate will help walk you through the purchasing process to make sure you don’t confront the devil in the details…

Step 3 – Purchasing with Aviate

The Purchase Process

1. Reserve your property with a EOI (Expression of Interest) deposit

Once you are happy with your property recommendation, you can indicate your intention to purchase by way of a fully-refundable Expression of Interest deposit. The property is then reserved for you.

2. Review and finalise the contract of sale

The next step is to finalise the contract of sale between the purchaser and the vendor. Aviate sometimes negotiates extras (for example, accessory upgrades or blinds packages) that are added to the project’s standard contract of sale. Our client services staff will help you through this process, in tandem with your solicitor or conveyancer and other trusted advisers.

3. Unconditional exchange, and pay the 10% deposit

The final step to securing your property is to unconditionally exchange contracts and pay the 10% deposit required by most vendors. There are various ways to pay this deposit – for example, via a transfer of money to a fully-invested trust account for the period of time until settlement; or provide a bank guarantee for the funds. Ask an Aviate consultant for more information.

4. Construction, then settlement

You’ll receive email progress updates during the course of construction.

Once construction is complete, we will then guide you through the settlement process, including valuation, defects inspection, and tenanting your new investment property.

Aviate-approved properties generally perform well, and you may find that your investment generates enough equity in your investment to purchase a second property.  Make sure you get advice for your specific financial circumstances.

We recommend buyers hold 20% equity, and the construction period is a good time to save that extra bit, especially as you have locked in the purchase price by buying off-the-plan.

This is very much in line with APRA’s new lending requirements. Talk to your mortgage broker or an Aviate Property Investment Consultant for more details.

The Review Portfolio Step

Regularly check on existing investment properties and repeat invest to grow

Generally Aviate recommends to buy and hold, and then purchase again to grow your passive property income. Your Property Investment Consultants can help with regular reviews towards achieving your bigger financial goals.

A review will show how your investment property tracked against expectations, and how much equity now sits in the investment. It helps gain perspective against bigger financial goals and the ultimate goal of using passive investment income to fully cover all your expenses – what we call financial self-sufficiency.

Do you have a portfolio and would like a quick financial health-check?

You do not have to be a past-client of Aviate to take advantage of our review process.

Contact us today to arrange a confidential one-on-one with one of our accredited Property Investment Consultants.

 

The 32 Criteria

We have carefully guarded the details of our methodology for many years, thinking that this was the secret of our success.

The 32 criteria are designed to mitigate the risks of buying off-the-plan. We know that higher risk should generate a higher return. But this is far from guaranteed – there’s so much that you might miss without our structured, scientific approach.

But the truth is, this 32-step process is not the secret of our success.

The true secret to Aviate’s success is the discipline to consistently reject all properties that do not fulfil the 32 criteria.

Not a single other investment property specialist can say the same.

For an overview of the 32 criteria, download the infographic today.