Direct Property Advice

Direct Property Advice

For most Australians, your home is arguably the most important and largest investment by far. Not only does the selection of your home affect your lifestyle and living standards over the medium to long term, it also often represents your largest investment.

Australian’s also have exposures to each residential investment and commercial (industrial, offices, tourism and farm land) properties which are roughly equivalent to their exposure to equities. In fact, Australia’s combined property value is approximately five times the value of the share market.

At Harts Financial Solutions we prepare you for success across your property strategy, by assisting you make more informed and better decisions.

Our service covers all financial aspects of your direct property portfolio and strategy including:

  • Target Property Review and Assessment
  • Suitability Assessment
  • Property Research and Comparative Sales Analysis
  • Financial Risk Assessment and Management
  • Financial Modelling
  • Budget & Affordability Assessment
  • Finance and Funding Solutions
  • Structuring & Tax Planning
  • Negotiation and Execution Assistance

For Buyers, we help answer the following questions under each of the following areas:

Know your budget

What purchase price can you afford?
What are your financial circumstances now and what will they be in the future?

Know what you are looking for

What are the features that are important to you?
What compromises should you make?
What are your renovation/development plans and costs?

Know how you will fund the purchase

What is your borrowing limit?
Have you obtained loan pre-approval?
What cash is available?
How will you maintain emergency cash reserves?

Know your transaction structure

Cash offers, subject to finance, subject to sale or long settlement dates?

Determine market value and price range

What is the value established by comparative sales analysis and thorough market research?
What is the split between land value and the building?
What are the value driving/eroding factors and by what amounts?

Determine comparative suitability

How suitable is the property to your needs and objectives?
How suitable is the property to the market’s needs and objectives?

Know how to negotiate and achieve the outcome you desire

Understand your objectives and the seller’s
Understand the real estate agents’ role
Understand the negotiation dynamics and have confidence in your approach

For Sellers, we help answer the following questions under each of the following areas:

Know your objectives and transaction plan

Why are you selling?
What needs to or should happen before you sell?
Should you improve the property before selling?
How quickly do you need to sell?
What do you want to buy or what are you using the proceeds for?
How important is maximising the sale price?
Do you prefer certainty over price?
What are the potential ramifications of delaying the sale?
What compromises should you be willing to make?

Determine the market value and anticipated range

How desirable is your property?
What type of buyers may perceive maximum value?
What is the best use of the property?
What is the value range of the property established through comparative sales analysis and market research?
What is the split between land value and the building?
What are the value driving/eroding factors and by what amounts?
What direction is the market moving (buyers or sellers)?
How suitable is the property to the market’s needs?

Assessing Offers and negotiating

Understand the role of the real estate agent
What offer structures should be considered (cash, subject to finance, subject to sale, long settlement dates)?
Research offerors
What are the ramifications of losing an offer?
What is your target price range?
What are you willing to risk in order to maximise price?
Understand your objectives and the seller’s
Understand the negotiation dynamics and have confidence in your approach

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