Australia's
Financial
Solutions Provider
Assisting thousands to
realise their financial dreams...
Firma has a
fantastic new product for our Residential Property Investors...Build
your Property
Portfolio...
For the first time in
Australia, Residential Property Investors can invest in high
growth Investment properties
and enjoy positive
cash flows at the same time, thanks to a revolutionary
mortgage product called Firma's Residential Investors Package , investors can now capitalise
their interest rates and mortgage
repayments.
Investors who are suffering from negative
cash flow, financial and mortgage stress, are
also ideal for this unique product as it would allow them
to have surplus cash every month while still maintaining
the benefits of negative gearing.
This product is the silver lining every investor
has been searching for all these years. Firma is proud to
present this breakthrough product which will revolutionise the way
people invest their money and
build their equity.
Before we get into the
technical details, the concept of the Residential Investor
Package makes use of the following assumptions regarding
property investment in Australia:
This is how the
Residential Investor
Package works. Let's say you're supposed to
pay 8.25% interest for the Residential Investor Package.
Instead of paying the same rate every year, you can start with
4.00% the 1st year, 5.25% the 2nd year, etc, and the interest
you haven't paid will be delayed to future years. (See
table below). The delayed interest repayment will be
added to the mortgage balance to be paid in future years, so
you are not paying less interest in any sense.
|
Year
|
Total
Interest |
Interest Paid Now
|
Interest Delayed
|
|
At Start |
N/A
|
N/A
|
N/A |
|
1st Yr End
|
8.25%
|
4.00%
|
4.25% |
|
2nd Yr End |
8.25% |
5.25% |
3.00% |
|
3rd Yr End
|
8.25% |
6.25% |
2.00% |
4th Yr End
|
8.25% |
7.25%
|
1.00% |
|
5th Yr End | 8.25%
|
8.25% |
0.00% |
By carrying out this
process, Firma's property investor clients are able to
generate positive cash flows out of their investments
from the very beginning. This money could be well spent to buy
more property or renovate the existing properties to add more
value.
Our Residential Investor
Package also comes with a Roll Over
period, whereby after 2 years in the scheme, investors can
restart the process all over again for a further five years.
This allows almost four to five years of positive cash flows
that are useful for many investors as by which time their
properties would have appreciated by more than 25% assuming 5%
average capital growth per year and a lot of equity would have
been built up over the period.
(All figures shown are for demonstration
purposes only & may change without any
notice)
Who should
consider Firma's Residential Investor Package?
We believe that if you fit
into one of the following categories, you could potentially
find the Residential Investors
Package suitable for you:
. Investors who have a home;
. Investors with one or more investment
properties;
. Investors who are
purchasing more properties;
.
Investors with very low fixed rate interest;
. Investors with positive or negative
cash flows;
. Investors with lots of
property opportunities;
. Investors
who also run businesses;
. Investors
who are also developers;
. Investors
who are into lending;
. New
investors;
There are many options with our
Residential Investor Package service. The best option is to
contact Firma's experienced Loan
consultants
to assess your personal situation
and to help you decide which finance package is the
right option for your situation. We also recommend that you discuss these options
with your accountant or a trusted adviser.
Terms, conditions and
eligibility criteria apply. Fees and charges are
payable
Return to Home
|
