PROPERTY

Five Finance Property Advisory Services for Builders or Investors.

At Five Finance we have a property advisory service that caters for both builders and investors. What does this mean? This means that as a builder you may be skilled at the building side of things and purely wish to get your development done ASAP and Five Finance assists you to speed up this process with our property advisory department. Our professional property advisory services are designed to make the obtaining of Town Planning permits a smooth process, encompassing management & supervision of the engagement of the following disciplines:

a)    Surveyors,

b)    Landscape designer,

c)     Town Planners,

d)    Infrastructure Engineers ,

e)    Building design draftsman,

f)     Integration with builder design,

g)    Demolition works

Specifically our Property Advisory team of specialist professional advisors provide the following services:

1.     Obtaining & negotiating fee quotations for Town Planners, Engineers, Drafting , landscape designers and Surveyors,

2.     Obtaining  & negotiating quotations for demolition works if required,

3.     Obtaining& negotiating  quotations for soil boring, landscaping works, and landscape design if required

4.     Supervision & instruction  of Town Planners, Draftsman team, Engineers, Surveyors, and site demolition contractors through the six Stage Town Planning Application process,

5.     Ongoing liaison via regular project meetings involving Town Planning , Surveyors, design engineers, DFH sales consultant and builder as required, through all stages of your development up to the signing of your building  contract for the construction of your new home/units.

6.    Liaison with project financiers for the provision of funding of land (where applicable), town planning, and project construction costs, by providing & updating project cash flows as required.
(Additional optional service not quoted within this fee proposal)

SITE DETAILS

For a site to be able to be developed into units it must be Zoned Residential, and be suitable for the construction of multiple dwellings, which is determined by benchmarking site and unit design details against the requirements with  both Res Code & Local council planning requirements. Once we have determined your site is suitable, potential Home design/s can be considered, numbers. Our professional property advisory services are based on our understanding that you are seeking our assistance with the following:

• Provide expert survey and planning advice.
• Recommend/engage independent design/architect services.
• Review and comment on relevant planning controls.
• Prepare and lodge a planning permit application and planning report with Council.
• Manage the application assessment process.
• Prepare, lodge and pursue a subdivision of the site after completion of construction of dwellings.

Additional Services We are also able to provide the following additional professional services to you

a)            Project Financial Analysis feasibility , including :                       

                              i.      Project profit & loss report

                             ii.      GST Summary Report

                            iii.      “What-if” scenario planning

                           iv.      “What-if” variation reports

                            v.      Return On Equity

                           vi.      Margin on development

                          vii.      Residual land value

                         viii.      Project cash flow and

Property Investment in Australian Capital Cities

Finding the RIGHT investment property is where many people can make mistakes especially if it’s your first property purchase, so the Five Finance property specialists are available to assist you to get it right..

Ask about our Growth statistics service – Five Finance has access to % growth per year per suburb per state. Before buying that elusive property wouldn't you like to know what the growth per suburb will be once you purchase, wouldn’t you want to know if your money could be spent more wisely?

The percentage of Australian people investing in property has increased more than ever over the past two years.

Where do we start?

1.     How much we should borrow, as distinct from how much you can afford to borrow?

2.     How much you can afford to invest?

3.     The cost to the investor before and after tax.

4.     Which area will potentially give you the best return and in the long run the optimum capital growth

5.     What is my long term plan?

Most investors ignore these steps so by asking one of our property specialist for an obligation free consultation this will enable you to……….

·         Not waste time with visiting multiple real estate agents

·         Not waste time calling people from the local papers and classifieds

·         Determine the property that best suits your circumstances

·         Determine the property that helps you attain your goals and objectives.

·         Allow our property specialists to work closely with one of our finance specialists to make sure there   isn't a breakdown in communication

·         Ensure your first investment isn't your last

Five Finance are happy to refer you to advice and support from one of our in-house unbiased, fully qualified professionals: accountants, solicitors, financial planners and Licensed Real Estate Agents who specialise in the area of property investment.

The sources we draw from include: Australian Bureau of Statistics, BIS Shrapnel, KPMG and Real Estate Institute Australia. The reports from these sources are all publicly available.

See also the FF valuable property questions and tips document in the downloads section.

The 5 x 5 Five Finance property step process

Buying an investment property is purely a means of developing wealth there should be no emotional ties involved as this can detract from making huge profits. Tax deductions and legalities can all be done by our team of specialists.If you have chosen a lemon it can be really detrimental to your long term investment plan so we stress to get the selection right from the beginning. Our investors don't buy a property anywhere they are taught to research the best high potential areas.

At Five Finance we have a 5x5 Property point Criteria test, every building development must undergo the closest examination and in order to pass the test each project must have the following areas addressed.

1. Experience and professionalism

1.     It must be new to qualify for full depreciation allowance

2.     If it’s not new then we really need to examine comparable prices and the inside and outside structure of the building

3.     Low maintenance building and grounds

4.     Highest building standards

5.     Qualified builders with extensive experience and strong history

2. Long term growth and success

1.     Highest Growth area

2.     High Capital Growth potential

3.     Check Five finance's statistical data for growth over the next 7-8 years

4.     Close proximity to major city

5.     Close proximity to shopping centres

3. Prime location

1.     Spacious in area, inside and out

2.     Pleasing landscape setting

3.     High employment area

4.     Excellent transport facilities and close to schools

5.     Preference for brick and tile

4. Specialist Finance Service to maximise cost and benefit

1.     Good valuation

2.     Highest negative gearing advantage

3.     Approved by Banks and Insurance Companies

4.     Correctly structured finance

5.     Complete Financial health check

5. Ethical pre and post purchase support

1.     Reputable property specialist

2.     High standard of project security and maintenance

3.     Reliable property management

4.     In high demand by letting agents

5.     Five Finance in house conveyancer or clients preferred reputable conveyancer to follow through with the conveyancing.