Our process

We call our first meeting with a client a Discovery Meeting. The primary goal of this meeting is to gain an understanding of your needs, challenges, goals, and expectations.

We feel that this is one of the most important steps in our process because it is here that we have an opportunity to really get to know what you are looking to achieve, and explain exactly how we can help. 

Sometimes we identify in this meeting that we cannot be of assistance, or that we may need to plan to start our process in the future. It is really important to understand that this IS NOT a sales meeting where we are making a sales pitch or closing a deal. That is not how we operate. The emphasis is on listening, asking questions, and gathering information.

To us this meeting is more than just a conversation. It’s the bridge between understanding your needs, providing a roadmap for any future work we do together and the start of the process behind creating tailored solutions. 

A Discovery meeting will often end with the recording of your financial information and a discussion of a high level, conceptual investment strategy for further consideration. 

Following on from the Discovery Meeting we start the process of analysing the financial data captured. The first step is often to engage with a Mortgage Broker to calculate what Borrowing Capacity you have. This is the first step in determining if the strategy of purchasing an investment property is suitable. 

Most clients have borrowing capacity, but not everyone has sufficient borrowing capacity to purchase an Investment Grade Property. Where a client does not quite have the capacity we will work out a strategy to get them there. We are not in the business of simply helping people purchase a property for the sake if it: It has to be a property that will deliver results and we would prefer to advise clients to wait and work on building their financial position, than just investing in any old property. 

Once it has been determined that. client has the requisite borrowing capacity we will request that the broker seek to gain a Finance Pre-Approval. This will formalise the borrowing capacity in preparation for Property Research and Acquisition. It also allows the Mortgage Broker to complete their compliance steps to determine client suitability for lending in general. 

If the clients needs to arrange any structures, like a SMSF, We would refer them to the appropriate individual at this stage to also determine suitability and commence the set-up process.

While selecting the right property is undoubtedly important, even the best property held in the wrong structure or funded in the wrong way, could cost you hundreds of thousands of dollars over the long term. We plan a property investment strategy helps you achieve your goals.

Note, that the Strategy Development will not be limited to looking at SMSF investments alone. Here we will canvas all potential investment strategies that meet with your goals and expectations as discussed in the Discovery Meeting.

We will then outline our advice to you in a comprehensive meeting. This includes but is not limited to the following:

• Property Investment Strategy
• How to make that strategy work efficiently for you to maximise the results
• Different financial structures that you can put your assets into. e.g. Trust, SMSF and Companies
• Different ways to finance the property and what is the safe way to do it to reduce any risk of loss
• Cash flow forecasting so that understand and know exactly how much your out of pockets expenses will be or how much extra cash you will have in your pocket at the end of each week

Once we have properly educated you on our recommended Investment Strategy we will commence the process of sourcing suitable investment assets ie Property.

Property investment receives a lot of attention, with a record of historically strong returns and the peace of mind of “bricks and mortar”.

But most properties are, by definition, “average”. The difference between an average property  and an outperforming property could be worth a significant sum over time.

We use data and research to identify outperforming property assets that will get you to your goals faster, easier and with more certainty. We study markets all over Australia to identify property growth drivers. Things such as population trends, demographics, economic drivers, employment opportunities, infrastructure projects and policies across all levels of Government, and most importantly the basic fundamental of "supply and demand". 

Researching Property markets is all about understanding people, and where they want/need to live. We urge our clients to treat property as a financial instrument, not the bricks and mortar it is made up of. Focus on the numbers and remember that investing where there has already been growth is easy, but you are buying at the top of the market...finding future growth is where you make money.

The Property Research conducted will lead us to locations and ultimately individual properties that are suitable for the particular client. It is important to note here that each property is researched for each individual client: We do not have a list of properties that we are trying to sell. 

When we present a property solution to a client it has been individually sourced, researched, stress tested and matched to that particular clients goals and needs. This is what we refer to as Bespoke Property Advice.

We will normally present property options to clients as a shortlist of what our research has discovered. These meetings are comprehensive and detailed. At the end of this meeting we will share our research and assist the client along the process of acquiring the property.

Note that at this stage, where finance is involved, we hand over the property (as part of a finance application) to the lender. This will involve the lender doing their own research and due diligence on the proeprty. It is a final check on all of the work we have done, because if the bank does not agree we will see that in their finance offer ie they will either decline to finance or value the property below contract price.

We can refer you to people in all areas that can help along the journey including: 

• Property Managers
• Mortgage Brokers
• Solicitors
• Accountants
• Financial Planners

If you already have advisors you work with, thats great. You are not required to use ours.

Once we have found you the property the service does not stop there. We are here to help you throughout the whole journey to meet you goals.  When you have questions on tax, finance and property we are here to help.

Our preference is to form long term relationships with our clients. We are not in the business of simply processing proeprty transactions...set and forget strategies. Rather we want to develop long term relationships with our clients. This is one of the reasons Inside Super has been so successful: our clients refer their friends and family to us. 

Click on the button below to book in a call to discuss this further and see what options you may have.