THE SIMPLE STEPS TO PURCHASE YOUR

FIRST INVESTMENT PROPERTY

1. Find out how much you can invest by taking advantage of our complimentary
Investor Health Check (IHC) service. By completing and returning the IHC
form in the back of this pack we can arrange a no obligation finance strategy
appointment for you today.
2. Create your personal investment strategy, goals and property selection
criteria by referring to the ‘Rules for Investing’ page in this pack.
3. To find a property deal that suits your strategy, use an online tool such as
Investar Search (www.investarsearch.com.au) or search engines e.g.
(www.domain.com.au), (www.realestate.com.au), real estate agent web
sites, newspapers etc. Alternatively join the Positive Real Estate Buyers
Agency and have them find the deals for you. Call (02) 9430 1100 or email
[email protected].
4. Determine the approximate value of the property; by inputting the postcode
into Investar Search (www.investarsearch.com) you can look at the statistics
and demographics of the area.
5. Analyse the property financials (To do this accurately and quickly use the
Property Analyser Software on www.investarsearch.com.au).
6. Build a team of unbiased experts you can go to for strategic advice, support
and guidance. Find a mentor or join a property group of like-minded people
to help you build your property portfolio faster. In our Lifetime Mentoring
Program you will surround yourself with professional expertise, like-minded
people and lifetime support (for more info on the Mentoring program, refer to
the information sheet in this pack).
7. Negotiate the purchase of your property. If you are acting on your own
behalf consult the due diligence clauses (www.clausesmadesimple.com).
Alternatively you can use Positive Real Estate to negotiate the property
purchase.
8. Find a solicitor for settlement. For a list of solicitors our team have found
helpful across the country visit our resources page on
(www.positiverealestate.com.au/resources)
9. Consult with an accountant about the right structure or purchasing entity for
you and your personal situation. For a list of accountants our team have
found understand property and are property investors themselves, visit
(www.positiverealestate.com.au/resources)
10. Once the property contract has been signed by both parties, arrange for a
building inspection and/or pest inspection, find someone from the area the
property is located.
11. Obtain the finance and valuation for you property purchase. Either contact
your Source Finance Private Client manager to walk you through what you
need to do now or whoever you have arrange to organise your finance for
you.
12. Go unconditional on the contract, you can have your solicitor do this for you
once the finance and any other conditions are met.
13. Obtain a written market rental assessment and choose a Property Manager
who will take care of your investment for you. The Positive Real Estate
Portfolio Management can do this for you, call 1300 365 886.
14. Arrange landlords insurance, your property manager may be able to help
arrange this for you. Alternatively research major insurance companies
online for the best deal.
15. Settle and take possession (Remember to do a post settlement inspection)
16. Arrange a chattel valuation and depreciation schedule to be completed for
depreciation purposes. The PRE State based partner can organise Depreciator
to call you. All you need to supply is your Name, Phone, Suburb & State of
your investment property.
POSITIVE REAL ESTATE’S RULES FOR INVESTING
Setting your OWN rules for purchasing real estate and then following them is one of
the keys to being a successful property investor.

Use the tips below to create your own investing rules:

Ability to Add Value

Methods to add or create equity (i.e. an increase in value) to your property. You can:
1. Buy at a discount
2. Renovate
3. Strata title
4. Subdivide
5. Develop/ DA
6. Off-the-plan
RULE: Pick a method and become a specialist, don’t try to be a jack of all trades.

Cashflow
The amount of pre-tax and after-tax cashflow per deal is shown as a % yield. This is
calculated by dividing the annual rent by the value of the property (Rent per annum
÷ Property Value).
RULE: Only invest in property with a yield over 5%.

Capital Growth
Determine the minimum capital growth you are speculating you want from an area.
Remember, past results do not always indicate future gains.
RULE: When looking for capital growth properties, look for areas with infrastructure,
population growth and investments.

Location
The demographics of the location you are looking to invest in will impact the value of
your property. Demographics include information such as population size, lifestyle,
family structure etc.
RULE: Have properties in different states and locations to cover any demographic
shifts and market changes.

Price Range
Determine what properties you can afford. This is dictated by your lending and
serviceability (fill in your Investor Health Check to find this out.)
RULE: Know your DSR (Debt Servicing Ratio) and LVR (Lending Valuation Ratio) for
the property type and area for your rules.

Property Type
House, flats, multi-income and renovators. This is often a personal preference.
RULE: Investing in a mix of properties can provide security as it covers market shifts
and a range of demographics.

Build Your Team of Experts

Knowing the right expert to turn to for sound and knowledgeable advice is vital for
all good property investors. It can save you valuable time, dollars and unnecessary
stress.
RULE: Surround yourself with a team of professionals who can provide ongoing
guidance, support and expert advice. Fill in the Information Request Form in this
pack for more details about our Lifetime Mentoring Program.
LIFETIME MENTORING PROGRAM
Support based - Action focused - Results driven

The Lifetime Mentoring Program gives property investors access to a team of

experienced property professionals who are dedicated and committed to helping you
build your property investment portfolio faster.

With continual support and guidance, our Mentoring clients can be confident they are
getting the best deals, making the right decisions and avoiding the common
minefields associated with property investing.

If you are seeking a customised property investment strategy based on your

personal situation and future goals, professional advice about your investment
decisions when you need it, first access to all the investment opportunities the
Investor Agency negotiate and a strong local network of likeminded investors, the
Positive Real Estate Mentoring Program is exactly what you are looking for.

Included in the Mentoring Program is:

Face to face strategy and finance consultations with Positive Real Estate’s
mentors Personalised advice, strategies and support from industry renowned
professionals.

Lifetime support for all active investors via email, phone and SMS

Your own Finance Private Client Manager

A personalised buying service and a Property Private Client Manager

Monthly group workshops with industry renowned guest presenters. You

will learn about:

- Property accounting and structuring

- Property negotiation skills and legal contracts
- How to safely make property offers
- How to do your due diligence and calculate you numbers
- How to find and analyse property deals
- Capital growth, discount, strata and subdivision
- Renovation, development and off-the-plan property
- Advanced finance techniques
- And much, much more!
Monthly tools and technology coaching sessions and online webinars

Priority access to platinum property deals

Discount, off-the-plan, strata, subdivision, renovation, cashflow

Property Investing Due Diligence Kit and Fast Track Manual

A comprehensive guide designed to make your life easier and
your investing more successful.

Private access to resources on the Positive Real Estate website

The private Mentoring pages contain helpful hints, pod casts, audio downloads,
state by state contracts, useful links and all the properties our Investor Buyer’s
Agency find.
BONUS ITEMS - Active Mentoring clients also receive:

Complimentary introductory consultations with a range of

Property Investment Professionals including solicitors,
financial planners, tax specialists and more!

BE A GUEST AT THE NEXT MENTORING WORKSHOP IN

YOUR STATE. Check the box on the Information Request Form in this pack and
hand it to a staff member.

OR, CONTACT THE MENTORING PARTNER IN YOUR STATE:

SA/ Gold Coast

David Neradil
National Mentoring Coordinator
0412 357 411
[email protected]

NSW/ ACT
Duncan Yelds
Ph: 0408 468 783
Email: [email protected]

Qld/ NT
Duncan Buchanan
Ph: 0449 112 323
Email: [email protected]

Vic/Tas
Tabitha Bright and Ravindra Manhaas
Ph: 0407 281 828
Email: [email protected]
Email: [email protected]

WA
David and Indra McGuiggan
Ph: 0407 240 506
Email: [email protected]
Purchasing property through the Investor Buyer’s Agency
The Positive Real Estate Investor Buyer’s Agency provides its members with access to an array of
properties with varying strategies in different markets from across the country. It is ideal for sophisticated
investors who purely want access to property deals and do not need to develop a tailored strategy or
require ongoing support.

Our Acquisitions team undertake strict due diligence and research on every deal before submitting the
properties to our clients for their own research. The services’ primary aim is to save members time and
money. We have been providing this service since 2003 and as a result have a great reputation in the
market which allows us access to group deals for our clients that could not be obtained by individual
buyers.

So how exactly does the Buyer’s Agency work?

1. Valid Buyers Agency Agreement signed. You must have a completed and signed a Buyer's Agency
Agreement to receive the Property Investment Report (PIR) and access the properties PRE have
negotiated. If you are not part of the Lifetime Mentoring Program and would like to become a member
of the Buyer's Agency, please go to www.positiverealestate.com.au/buyersagency to apply online.
There is an annual cost of $495.
2. Send us your query. Email or call your Senior Property Strategist to request the Property Investment
Report (PIR) for the deal you are interested in. This PIR document is designed to assist you in making
an informed decision and contains information including growth and vacancy rates, information on
recent and historical area sales, estimated rental opinions, local area profiles, expected lending ratios,
detailed information on the property, estimated income and expenditure and photographs.
3. Yes, I want to purchase. Once you have conducted your own research and decided the deal is right
for you, it is then time to select a specific unit/property. Prior to securing the property you will need to
complete a Purchasing Agency Agreement* (PAA) or an Expression of Interest* (EOI) and pay a $2,000
holding deposit. When we have received a copy of the payment deposit receipt AND the signed PAA or
EOI then the property will be reserved for you. You will be contacted to confirm that your application
has been successful.
4. What now? We instruct the vendor’s solicitor to send conditional contracts* to your nominated
solicitor or yourself so you can obtain a legal opinion on the property. Depending on the contracted
terms (and signing the conditional contract) you can now spend 14–21 days conducting further due
diligence, this is outlined in your Contract of Sale. Once the contracts go unconditional you will be
obligated to purchase the property. As contracts vary from state to state it is important to gain a
thorough understanding of the process and timelines required from your client manager.
5. Do I need to keep Positive Real Estate informed? As a professional Buyer’s Agency and
negotiation service – You Must inform us should a problem arise during the building reports or
valuation, we reserve the right to re-negotiate on your behalf. PRE has a great success record re-
negotiating excellent settlement terms based on problematic building and pest reports and
valuations (this is part of what you pay us for). It is also important to keep your client manager up to
date with where your finance applications is at so they can track deadlines and apply for extensions
where necessary.
6. It’s mine! Once contracts are unconditionally exchanged throughout the settlement period the team at
PRE can help you arrange depreciation schedules, insurance and property management to secure
tenants. This will ensure that your investment will be protected and well placed to start earning income
immediately upon settlement. PRE have a great team around them that should be utilised by members.
7. Our commitment. Positive Real Estate aim to make the purchase process as smooth and hassle free
as possible. Like all things this ultimately depends on clear and timely communication and on the
correspondence received from clients along with the free flow of information throughout the sale.
8. Sign me up! If you are not already part of the Lifetime Mentoring Program or Buyers Agency then
please tick the box on the Information Request Form.

Note: Positive Real Estate is NEVER paid by both purchaser and developer on ANY transaction.
What could you do with an extra $7658 in your
pocket each year?
What about buying another investment property! With a little restructuring our
Lifetime Mentoring Acquire consultant was recently able to help a couple in the
program reduce their insurance costs and have their insurances paid for by their
superannuation account rather than out of their weekly net salary. This freed up an
extra $638 a month in cashflow which allowed them to service another property!
After meeting with this couple who both had life insurance, TPD (total and permanent
disability) and income protection, we found they were actually over insured.

Did you know that some insurance can be paid for by your
superannuation account?

Well you can. The benefits of doing this are:

• Freeing up cashflow
• Reducing expenses without reducing your insurance cover
• Potential to service for more properties
• Increasing your regular take home pay
• Taking control of your super and using it how you want to.

Book your FREE Financial Assessment NOW

Call Acquire on 1300 734 647
Or email [email protected]

Did you know you can use your Super fund to purchase
property?

By setting up and using a self managed super fund you can have the ability to use
the balance of your super as the deposit to purchase more property. We recently had
a client who thought they could only purchase 1 property. After reviewing their
position and explaining the benefits of using Super to purchase property, these
clients found they could actually use the balance of their super as deposits which
allowed them to purchase multiple properties.

With a self managed super fund you can

• Decide how you want your Super invested
• Can borrow up to 80% for residential property
• Pay less capital gains tax and in some cases no capital gains tax
• Have asset protection against creditors
• Pre-plan the distribution of your estate
 Book your FREE Financial Assessment NOW
Call Acquire on 1300 734 647
Or email [email protected]

Did you know you can speed up the insurance claim process by
having your landlord and building insurance with the same
company?

As property investors we sometimes find ourselves shopping around for the cheapest
building and landlord insurance and rightly so. Quite often though, we end up with
different insurance companies for each policy. In the instance of a claim, this will
hold up payment and can cost you money out your own pocket whilst you are forced
to wait for the insurance companies to fork out what they owe you.

Having both policies with the same insurance company can result in cheaper policies
with a potential discount on grouping them and will also speed up any claims that
may arise. In all cases use a broker who understands the rules and knows what to
look for in a building and landlord policy.

These are just some of the Wealth protection strategies which are an essential part
to any wealth creation plan and an integral part of any property investment program.

Contact the Acquire Wealth Solutions specialist in your state

today for a FREE, no obligation financial assessment. Book your
FREE assessment now to:

• Determine your own wealth protection strategy

• Work out which insurances you need to protect your wealth
• Understand how your super fund is currently being invested and how
you can take control to generate bigger returns
• See if using self managed super funds will suit your strategy
• Plus much, much more

Book your FREE Financial Assessment NOW!

Call 1300 734 647
Or email [email protected]

INSURANCE, SUPER & WEALTH PROTECTION

STRATEGIES FOR PROPERTY INVESTORS
 Guest Mentoring Invitation Tick this box for your exclusive invitation to the next

Lifetime Mentoring Workshop. During the evening you will
have the opportunity to learn from industry renowned speakers,
meet and hear the results of investors already in the program
and get a real feel for what the program is all about - no strings
attached.

Lifetime Mentoring Program Tick this box if you would like to speak to a Mentoring
Coach to get a clear understanding of what the program


is all about, what it can do for you and to see if you
qualify. This program is suitable for investors of all levels who
are looking for a clear strategy with lifetime support and
guidance. This appointment will be either via phone or in person
based on your location and appointment availability.

Investor Buyer’s Agency Tick this box and have a Private Client Manager call you
to discuss how the Investor Buyer’s Agency can help you


build your portfolio. This service is ideal for sophisticated
investors who do not need to develop a plan or strategy and do
not require ongoing support. It is for investors who purely want
access to property deals nationally.

Investor Health Check Tick this box to book a complimentary consultation with a
Appointment Senior Finance Strategist to discover what you can do in
your current situation. If you are unsure of your true equity

position and want to know if you can continue to borrow to
purchase property this meeting is crucial for you to move
forward.

Event Attended: _____________________________________________________________________

First Name: ______________________________ Last Name: _______________________________

Email:

Address: __________________________________________________________Postcode:_________

Contact Phone: _____________________________ Mobile: ________________________________

Where did you hear about us?__________________________________________________________

Thank you for taking a few moments to complete this feedback survey. Filling out this form out helps us improve
the quality and relevance of the information we provide and lets us know which services you are interested in and
not annoy you with unwanted calls!
Suite 3, Level 2, 9-11 Albany Street, St Leonards NSW 2065
P: 1300 365 886 F: +61 2 8282 4432
www.positiverealestate.com.au
Let us get to know you better
1 2 3 4 5
How likely are you to purchase an investment property in the Very Definitely
Unlikely
next 12 months? (please circle)
1 2 3 4 5
How likely are you to purchase an investment property in the Very Definitely
Unlikely
next 3 years? (please circle)
1 2 3 4 5
Are you an experienced investor? (please circle) Novice Very
Experienced

What is the current, approximate VALUE of your real estate/other assets? (Please tick one)

$0 - $20,000
$20,000 - $350,000
$350,000 - $600,000

$600,000 - $900,000
$900,000 - $1.5M
$1.5M+

Do you own or rent your home?

Own
Rent
Other: ____________________________________

How many investment properties do you currently hold?

0
1
2
3
4+

What is the current, approximate DEBT on your real estate/other assets?

$0 - $20,000
$20,000 - $350,000
$350,000 - $600,000

$600,000 - $900,000
$900,000 - $1.5M
$1.5M+

What is your current, household income range per annum?

$0 - $40,000
$40,000 - $80,000
$80,000 – 120,000
$120,000+

What is your age range?
18-25
26-35
36-45
45-55
55+

Do you use a computer to research real estate?
Yes
No

Where would you do this most?
Home
Work (we won’t tell!)

What time of the day would you do this?

Before work
at lunch
during work
after work at home

Privacy Statement – All personal information provided will be used for the use of Positive Real Estate only. This information
remains Private and Confidential and will not be provided to any third parties. Positive Real Estate is committed to acting in
accordance with the Privacy Act 1988 (web: www.privacy.gov.au).
Suite 3, Level 2, 9-11 Albany Street, St Leonards NSW 2065
P: 1300 365 886 F: +61 2 8282 4432
www.positiverealestate.com.au