Using our own in-house proprietary software, mrd offers you a complimentary, no obligation “Personal Results & Options Plan” (PROP).

The PROP allows you to take charge of your destiny… and literally build your very own personalised financial wealth (or retirement) plan; in three easy steps.

Participating in a PROP is so convenient… it’s done over the internet… meaning you don’t have to leave home!

What Have Others Said About The PROP?

Spending one hour to do the PROP was 100% beneficial, and we now understand what actions we need to take to achieve our retirement goals.

Jenny and Mike T – SA

Initially we had hoped for a house or two to buy and sell to make a bit more money than what we could get from our jobs. Now we are hoping to own 4-5 properties, retire early and be financially secure for life. After doing the PROP we now have goals and plans and know what we want.

Lyndall G – WA

[The PROP] is totally tailored to my situation with the capacity to see outcomes based on many variables… it has provided proof of income potential and identified all components applicable… I’ve not seen this capability with shares or Super. PROP provided a snapshot that I could not have mapped otherwise… !” I have known Nick and mrd for several years and at all times their service, advice and direction has been exactly what they said it would be.

Mike C – WA

The PROP is very versatile and allows you to change the inputs to see the different outcomes of different situations. It showed us what our future finances will look like in five to ten years time.

Peter W – QLD

The PROP was very easy to understand and was explained step by step. I would rate the PROP a 10/10, as I now have a definite target rather than a foggy dream. I would absolutely recommend mrd to others…

Shelley H – WA

I rate the benefit of [the PROP] as an 8 or 9 out of 10… We now have a clear understanding of the many options available to us and are focussed on retiring in 7 years.

William C – VIC

If I were to rate the PROP out of ten, I would honestly give it a 15 ½. The ROYE was fantastic and its detailed report enhanced my confidence to grow an investment portfolio. It was absolutely worth the 60 minutes, and I have already recommended mrd to my friends.

Tracy S – WA

The PROP enabled us to explore different scenarios and gave us detailed information, encouraging us to continue working towards our goals more aggressively. We would rate the PROP a nine out of ten and would definitely recommend mrd and the PROP to others.

Wayne & Jen N – WA

• Request A PROP >>>here

• So What Is A PROP Exactly? >>>here

Happy Investing,

Nick Lockhart
Our Customer Care Program works for you… because investing is personal!

Under construction and ready for the new year, these two and three bedroom townhouses are very well priced to give you an opportunity to invest into one of the fastest growing regions in Australia.

Eagleby is in Logan City, earmarked in the South East Queensland Regional Plan as a major growth corridor providing diverse employment opportunities in a range of government services, office based business and community services.  The population of Logan in 2006 was 260,000 and is expected to reach 434,000 by 2031.  This will require 70,000 more dwellings in the area by the same date.

Fryar On The Park consists of 141 townhouses of varying designs with a choice of 2 bedrooms or 3 bedrooms.  All homes have air conditioning to living and ceiling fans in the bedrooms.  Blinds are fitted throughout. Fryar On The Park also has a swimming pool and BBQ area.

Take advantage of this opportunity now!

One Just Completed

More To Come

2 & 3 Bedroom Available

Two and three bedroom duplexes available in two of the fastest growth corridors of Brisbane. Buy one at just $329,000 or buy the pair for $658,000 and increase your return.

Full turnkey townhouse on land ranging from 300sqm to 331sqm. All have spacious open plan living, dining and kitchen. Master bedroom with walk in robe and en-suites. Air conditioning and covered alfresco area makes this quality project a winner.

Low body corporate!

All duplexes are just 2 – 10 weeks away from completion

These quality duplexes are located in boutique estates close to shops, schools, public transport and infrastructure.  Choose between the northern growth corridor of Brisbane at Caboolture or the western growth corridor of Ipswich with a number of locations, both 35 mins from Brisbane CBD.

Ideal investment for those interested in smaller boutique projects and minimal body corporate outlay.

A research paper by Jones Lang LaSalle released on Wednesday argues local and international investors should turn their attention to the Sunshine State, which has strong growth prospects.

Jones Lang LaSalle’s Queensland managing director, Geoff McIntyre, said the Queensland economy was on the verge of strong and sustained recovery, led by major engineering construction projects, including gas, coal and infrastructure projects.

“These projects support forecasts that Queensland will deliver significantly higher economic, population and employment growth than other states over the next few decades,” Mr McIntyre said.

He said local institutional and offshore investors had historically assigned Queensland a relatively low weighting – around 15 per cent – within their commercial property portfolios.

But there was a strong case to take that allocation to around 22 per cent to maximise returns over the long term.

“The potential long-term payoff for investors is a narrowing of the risk premium applied to Queensland commercial property assets,” Mr McIntyre said.

“Queensland’s economy and population will grow at a faster pace than that of New South Wales and Victoria over the next few decades, and this will mean that Brisbane’s office stock should also grow at a faster pace than Sydney and Melbourne.

“This should be seen as a very strong marker for the international investment community to look at the state in terms of their total investment in Australia, and increasing their exposure in Queensland.”

via Qld economy on verge of recovery: report – Yahoo!7 Finance News.

According to RP Data’s national research director Tim Lawless, Brisbane currently offers the greatest potential to investors that are looking to make the most bang for their buck.Over the past 12 months, Brisbane has recorded moderated growth, but RP Data’s national research director Tim Lawless expects this to change.

Mr Lawless told Real Estate Business that the south east corner of Queensland continues to record strong population growth and some of the nation’s largest infrastructure projects are being developed in this region.”The price gap between Brisbane and Sydney and Melbourne has widened over the last year as Melbourne and to a lesser extent, Sydney, recorded significant value gains,” Mr Lawless said.”For investors, rental yields in Brisbane remain above average and the unit market in particular provides very good value for money. The median price for a Brisbane unit is just $381,000 – the third lowest of any capital city after Hobart and Adelaide.”

via Brisbane marked as city to watch.

Robin Loh, who died at the weekend, rose to become one of Asia’s business giants, but one of the places he felt most at home was the Gold Coast.

It was here that his courage and foresight found fertile ground to take root and grow and it is fitting that his fortune was founded in land, specifically in land in and around the Gold Coast.

The story goes that while on holiday he was shown a parcel of land by then-owner Arthur Earle and was so taken by the potential of the swampy cattle run that he bought the 1800h on the spot for $14 million.

It is called vision and either you have it or you don’t, and Mr Loh had it.

He had a vision the cattle run would become the heart of the super city he envisioned the Coast would become.

He called the area Robina, an amalgam of his and Earle’s first names.

It has perhaps taken longer than he envisioned, but Robina is well on the way to becoming the geographical heart of the Gold Coast, if not the commercial heart just yet.

At age 18 Mr Loh travelled to Singapore and began making the first of several fortunes, salvaging discarded US military equipment in the Pacific before moving on to real estate, hotels, oil exploration, banking and insurance.

He earned a Masters and PhD and Malaysia granted him the title Datuk, member of a senior order of chivalry.

In recent years he battled Parkinson’s disease and 18 months ago his Robina Land Corporation moved to offload its remaining Gold Coast properties.

The Coast owes its success to men and women of vision like Robin Loh.

via City salutes Indon visitor with vision Editorial News | goldcoast.com.au | Gold Coast, Queensland, Australia.

First-home buyers have disappeared and the Reserve Bank has raised the cash rate six times since last October.

No wonder some in the housing finance space have long faces.

But is it as bad as the doomsayers are making out?

Let’s start with an examination of the underlying economy. Notwithstanding predictions of a double-dip recession, the IMF recently upgraded its forecast for global GDP growth to 4.6 per cent for this year and left next year’s forecast at 4.3 per cent.

A bi-annual survey of business economists last month found GDP growth of 3.5 per cent for this financial year (with a recent Treasury update at 3 per cent), only moderate further increases in official interest rates, inflation at the upper end of the RBA target rate but not worryingly so, unemployment continuing benign and rises in the equities markets to the end of the year.

Second, housing starts continue to lag population growth to a significant degree. A recent Macquarie Bank report cites 150,000 homes being built annually since 2005, but population growing at more than double this at 350,000. This equates to a 50 per cent increase in the rate of population growth but no change in new dwelling construction.

Macquarie’s conclusions are validated by ANZ Bank research, which shows that a cumulative 600,000 new homes are required to meet demand.

At the same time, rental vacancy rates across Australian capital cities continue to be less than 2 per cent with consequent upward pressure on rent levels.

The credit growth numbers produced monthly by the Reserve Bank show housing credit growing at an annual 8.6 per cent to May, and growing in May at 0.7 per cent compared with 0.6 per cent in April.

At this level, housing credit growth is well below the double- digit levels of the 2004-07 period, but not catastrophically low. The key observation from this data is the re-emergence of property investors, with significant growth over the year of 6.6 per cent, up from 3.6 per cent a year earlier.

This data is confirmed by the monthly ABS numbers on housing finance, which show finance for property investment growing at double the rate of owner-occupied finance. The ABS numbers also reveal an interesting phenomenon — while the number of finance approvals continues to decline, the rate of decline has slowed over recent months and the value of approvals actually increased in May by 0.7 per cent.

The ABS data also shines a light on first-home-buyer activity. The percentage of first-home buyers to total approvals increased in April to 16.3 per cent, although it dipped again to 16.1 per cent in May.

While this is still well below the mid to high 20 per cent levels experienced last year when the first-home-owners grant boost was in play, it is not materially below the long-term average of about 18 per cent.

Finally, it’s worth reviewing auction clearance rates. Recent data suggests a 60-70 per cent clearance rate in Sydney and Melbourne, although some weekly data may be weaker. While not stunning, it’s a lot better than the 20-30 per cent rates of 2008.

Rates at these levels are also likely to take steam out of house price increases that created concern for policymakers late last year and early this year.

The winter of our discontent in the housing finance market?

I don’t think so. The fundamentals still look sound and the medium- to longer-term perspective remains solid.

via Don’t believe it, there’s life in bricks and mortar | The Australian.

What would you do if your tenant asked for a $1,500 air conditioner… and in return all you wanted to do was increase the rent by $10?

Would you say yes?

Most people would take a look at the numbers and say no. After all, an extra $10 per week is only $520 per year. So, you’d get your money back on the air conditioner in the three years.

Right? WRONG!

Here’s another way to look at it…

Instead of buying that air conditioner with cash, you buy it with a line of credit… and that line of credit costs you $8.12 per month.

In return the tenant pays an extra $10 per week… which is approximately $40 per month.

So, you make an extra $32 per month and have a very happy tenant.

And this doesn’t take into account the depreciation… plus the tax deduction you’ll get on the $8.12 per month repayment for the air conditioner.

Once factoring the tax deduction and depreciation into the equation, you could well be enjoying a boost to your cash flow of up to $45 per month!

Webinar Reveals A Treasure Chest of Lucrative Landlord Ideas

This idea is just one of many handy – and profitable – ideas that’ll be outlined for you in a new complimentary webinar mrd offers titled “How To Make Your Tenant Happy That You’re Raising The Rent”. On this webinar you’ll discover:

• How to make an on-site manager work his tail off for you. Just make this small change to his contract…
• How to slash advertising fees to the bone when you’re searching for a new tenant
• One agent charges 7.5% commission. Another agent 9%. You should choose first agent, right? Not always! Here’s why…
• Rights and obligations to do with smoke alarms… phones and water bills. New changes in legislation you must know.
• A tenant can legally spend up to two weeks rent on emergency repairs without your permission… and stick YOU with the bill. Here’s how to get around it and protect yourself.
• To save time the agent pays bills on your behalf. Good idea, right? Big mistake. Depletes your cash flow. Shrinks your wealth. Full details on the webinar.
• You want to increase the tenant’s rent by $10 per week. The tenant agrees only if he gets a $1,500 air conditioner. Can’t justify the cost? Just do this and get an extra $32 per month net income.
• The low down on building insurance. When you need it… and when you don’t.
• Easiest way to avoid being sued if a tenant breaks a leg on your property.
• The law says landlords are prohibited from increasing rent within 6 months of the last increase, right? Just do this to get around it. 100% legal.
• And so much more…

If you’re a landlord – or are going to become a landlord – this webinar is crammed with little known information that can boost your cash flow and protect you from litigation.

And as part of mrd‘s Customer Care Program you’re invited to take part AT NO COST as our guest.

You’re welcome to attend and feel comfortable in the knowledge you’ll be attending an “information only” session.

The date of the next “How To Make Your Tenant Happy That You’re Raising The Rent” webinar is THIS COMING Tuesday, 31st of August.

This webinar has now concluded! To view the recording online simply click here

Happy Investing,

Nick Lockhart
Our Customer Care Program works for you… because investing is personal!

A couple of weeks earlier I received an invitation in the post to a cocktail evening which I promptly forgot about. This was then followed up by a personal call from my personal banker (PB).

I politely declined his offer citing that I was very busy.

The conversation then continued something like this:

PB – Why aren’t you interested?

Me – Well it’s primarily about shares isn’t it?

PB – Yes, but why aren’t you interested in shares?Me – OK, let me ask you if I had $200,000 in bank shares (“which bank”) and I wanted to take out an additional loan using them as security, how much would you lend me as a percentage?

PB – Hmmmm; that depends.

Me – OK, just give me a ball park figure.

PB – Around 70%.

Me – And if I had a $200,000 residential property what percentage would you lend me?

PB – But you already know that.

Me – No, work with me here, how much?

PB – 80% to 90%

Me – So why the difference?

PB – It’s just shares are a bigger risk to the bank.

Me – Exactly! And that’s why I am not interested in your cocktail evening to promote shares; but thank you for the invitation.

Now please, dear reader, I don’t want to start a discussion about shares vs property as they both have their place and are so different you cannot really make a sensible comparison.

The fact is some months later I actually bought a nice 4 bedroom townhouse that Nick found for me using a 95% loan with Westpac. All I needed was 5% from equity plus stamp duty and legal fees etc.

Yes, I paid mortgage insurance but since it is written off over the first 5 years it actually made my weekly cash flow a couple of dollars CHEAPER (this depends on a persons taxable income).

I guess my point is simple. My bank has more confidence in my property than in their bank; something I find quite amusing.

What Next?

• I would like to learn more about the “how to” of building a property portfolio (and being a business owner) >>>here
• How much can I borrow >>>here
• I would like to participate in a Personal Results & Options Plan (PROP) >>>here

NB: As part of the mrd Customer Care Program, all our services are complimentary and without obligation. Further… we will never interrupt your desire to learn as a licence to sell you something!

Happy Investing,

Martin Bell
Our Customer Care Program works for you… because investing is personal!

BRISBANE DUPLEXES
Almost Completed

2 & 3 Bedroom Available
from $329,000

This was a VIP offer on Wednesday and is now opened up to our whole client base

VIP’s have the right of first refusal

Complimentary upgrade to VIP >>>here

Call us on (07) 5580 8888 for more information
or click here>>>>

Brisbane Duplexes

Two and three bedroom duplexes available in two of the fastest growth corridors of Brisbane. Buy one at just $329,000 or buy the pair for $658,000 and increase your return.

Full turnkey townhouse on land ranging from 300sqm to 331sqm. All have spacious open plan living, dining and kitchen. Master bedroom with walk in robe and ensuites. Air conditioning and covered alfresco area makes this quality project a winner.

No body corporate!

All duplexes are just 2 – 10 weeks away from completion

For more information or to request a complimentary no obligation cash flow analysis report:

• Call mrd on (07) 5580 8888 or
• Click here