Australian House Market Strongest in the World

Below is a recent article from the Courier Mail. It's one of many recent articles describing Australia's strengthening economy, currency and housing market.

This particular article gives another modest prediction for interest rate rises in 2011 at 75 basis points - compared to earlier predictions, this is good news for current home owners and investors.

Also encouraging are the other 'good news' stories of individual economic recoveries around the world, showing signs that we're well and truly starting to shake the GFC!

AUSTRALIA experienced one of the strongest housing markets in the world during 2010, new research shows.

But likely interest rate hikes will slow the market in 2011, the Global Real Estate Trends report predicts.

The report, released by Canada's Scotiabank, tracked the housing markets in 12 advanced economies throughout 2010.

Home prices increased in Australia, Canada, France, Sweden, Switzerland and the United Kingdom.

They remained flat in Germany and the United States, and fell in Ireland, Italy, Japan and Spain.

Australia led the pack, thanks to relatively low unemployment and tight housing supply.

But interest rate hikes and a cut to the first homeowners grant slowed a "red-hot" property market in 2010 to some degree, the report said.

Economist Adrienne Warren anticipates the Reserve Bank of Australia will lift interest rates by an additional 75 basis points in 2011.

Australia's close trade ties with Asia and resource wealth would continue to underpin a solid pace of domestic activity.

"Higher interest rates will worsen already strained affordability," Ms Warren said in a statement.

Canada's market also fared well, but was "one of the most volatile" expected to be tempered by more moderate employment and income growth in 2011.

The UK property market staged a strong early-year recovery while Germany's decade-long housing slump also came to an end.

But it was a different story in Spain, Ireland and Italy, where the market continues to fall.

Japan's two-decade long property slump continued in 2010, and is expected to slump further in 2011 on the back of a weaker economy.

The surprise result came from the US where the housing market stabilised.

That trend is expected to continue, with the report predicting the US Federal Reserve to maintain its record-low 0.25 per cent rate through the end of 2011. Link to article>>

INTEREST rates could stay on hold until April... Tim Blue From: The Australian December 06, 2010

INTEREST rates could stay on hold until April as the Reserve Bank considers soft economic indicators and listens to nervous retailers.
The bank meets tomorrow to decide on its next interest rate move, with no change expected.

"RBA governor Glenn Stevens has clearly indicated that the current level of interest rates is appropriate for the 'period ahead', given the additional increases in bank lending rates last month and the strong Australian dollar," AMP Capital chief economist Shane Oliver said yesterday.

"We don't anticipate the next tightening to come until April at the earliest.

"The soft patch in the economy shown in recent data also supports the case for interest rates staying where they are for now."

Economists claim to see "clear signals" from the RBA that rates will not be moving for some time.

Tim Blue From: The Australian December 06, 2010 12:00AM


CLICK ON THE LINK FOR THE COMPLETE ARTICLE
Yours in Property

SEMINAR - Buying the right property at the right price!

Consider 6 Key Things Before Investing in Property…

Know what your options are for a well informed decision.

Remember, even if you are buying a home to live in yourself, you should do so with an investment mindset. This event is equally relevant for you and your situation.

You are invited to this must attend information seminar designed for anyone thinking of buying or investing in property.

Hear the answers to important questions, such as:
• What makes a good property investment?
• What type of investment properties are there?
• Which refinancing options are suitable for me?
• How can I utilise my equity?
• How do I start the process?

Gain invaluable investment tips from Morpheus Property –one of Brisbane’s leading property research and investment firms, specializing in sourcing high growth and superior quality residential property.

Gain invaluable information about asset protection from Quinn & Scattini – one of Brisbane’s finest legal firms who specialize in assisting their clients with every legal matter that comes up during a life time.

Seminar 1Date: 4th August 2010
Time: 6:30pm
Address: Icon Bar & Bistro, Raby Bay Harbour,Cleveland Qld 4163
Cost: $30 - ($10 from every ticket will go to Bravehearts).
Coffee and tea provided

Numbers are limited so RSVP at this link - http://clevelandseminar.eventbrite.com/
Yours in property
Morpheus Property

Interest Rates on hold .... for now!

The RBA left the official cash rate at 4.50%, after three consecutive increases. The main factors behind the decision were:

* Ongoing uncertainty in global markets due mainly to European sovereign debt issues.
* Decline in the Australian dollar
* Softer global commodity prices
* Residential house price growth and sales volumes have slowed
* Retail sales have remained flat, increasing 0.6% in the month of April 2010.
* Total dwelling units approved declined 14.8% from March to April 2010 (Seasonally adjusted).

Westpac Bank currently forecast that interest rates will increase over the year and reach 5.00% by December 2010.

News: Housing Supply Dwindles in Queensland

At Morpheus Property, we like to take a balanced view on the news articles we read. This article from the Sunday Mail (23rd May 2010) talks about the property shortage in Queensland.

It seems affordability is about to squeeze the dream from many people's grasp and leave home ownership to a smaller percentage of Australia's population.

QUEENSLAND needs to build more than 900,000 new houses and units in the next 21 years to meet projected population growth.

But new figures show reality will fail to meet expectations with under-supply expected to grow into tens of thousands on current approval numbers.

Experts say the shortage will force up the price of housing, including rents, and possibly leave a generation of adults unable to afford a new home.

In 2009, there was a shortfall of more than 10,000 houses on the 47,000 needed to match population growth.

Figures from Queensland Treasury and the Australian Bureau of Statistics showed the under-supply was spread across the state. Brisbane built nearly 2000 fewer dwellings than needed last year, while in the north, Townsville and Cairns were down 1000 and 800 respectively. Toowoomba's housing shortfall was more than 450.

With demand exceeding supply, first-home buyers, already jittery following interest rate rises, have even less chance of entering the market.

Real Estate Institute of Queensland managing director Dan Molloy said recent research showed first-home buyers were down 60 per cent on March 2009.

"These figures really show how much of a struggle it is for prospective homeowners to get into the market in Queensland," Mr Molloy said.

Master Builders housing policy director Paul Bidwell said the biggest issue was developers' inability to access finance from banks.

Red tape from local councils, massive infrastructure charges and lack of available land were also serious issues.

"It's biting at a number of levels," he said. "Developers can't get access to funds and it's harder for buyers to get home loans approved."

Queensland Council of Social Service director Jill Lang said those on lower incomes were increasingly bidding for rental properties alongside households which have traditionally been able to buy into the property market.

Queensland's population is expected to increase from 4.5 million to as much as 7 million by 2031.

Once again, Morpheus Property would love to hear opinions from property investors and home buyers. How does news like this influence your decision to buy, your budget or the timing of your purchase?

Feel free to share your comments, or contact Morpheus to discuss - 1300 911 576.

An Investment Property "One Stop Shop"

We all know investing in property is a great way to increase your wealth and achieve financial freedom. However, we also know buying property takes plenty of time and effort.

So, you've decided to take the plunge and buy your first investment property? Well done for making a first step in the right direction, but there's plenty to do!!

To begin with, you face hours of research on the internet, trawling through an lists of properties and visiting real estate agencies to try and find the best properties on the market. Then you'll spend weekends attending open for inspections (OFIs) and dealing with real estate agents. It's amazing how many investors cringe whenever they think of facing real estate agents and their hard-sell tactics.

After inspecting your short-list of properties, you're ready to place an offer and hopefully buy the #1 property on your list. The contract is exchanged about five times and all parties finally agree on price and conditions.

Once these negotiations are finalised, you have a contract going to settlement, but the work isn't over yet. You'll spend time finding the right professionals to help you turn this transaction into something that will earn you money.

These people will typically help you with finance, inspections, conveyancing, quantity surveying and property management. They all have their role to play and should be used to your greatest advantage. However, co-ordinating these people takes time and effort.

Wouldn't it be good to have one person, who could arrange all these services and do all the legwork for you?

We hear you!! In response, Morpheus Property have developed a One Stop Shop approach to buying property!

You'll have access to a high calibre team of experienced property specialists, co-ordinated by your Buyer's Agent. These people will make buying property a safe and smooth process, that won't demand late nights on your PC or weekends driving between inspections. In short, the Morpheus Property Team will ensure you get the right property for the right price and the whole process is kept nice and simple!!

You simply tell us that you'd like to buy an investment property, give us your budget and location and we'll do the rest!!

If you know of anyone short on time and needing to add that next investment property to their portfolio, get them to call us on 1300 911 576.

Interest rates rise to 4%

The following interest rate announcement from the RBA, resulted in three of the major banks lifting interest rates in step with the rate rise (including ANZ, CBA and St George). Two thirds of economists predicted the rate rise and there are more to come through 2010.

Australia raises interest rates to 4%

Australia's central bank has raised interest rates, for the fourth time since October, as it seeks to cool its growing economy.

The increase, to 4% from 3.75%, was widely expected by economists.

Australia was the only major economy to avoid recession, and the first to raise rates from 50-year lows as the economic crisis eased. It avoided the worst of the slump due to government spending and massive Chinese demand for its commodities.

The government had introduced a number of multi-billion dollar stimulus packages, including increased infrastructure spending and cash handouts to most Australians since the end of 2008 to lift consumer spending.

Following the latest rate rise, the Reserve Bank of Australia said: "With growth likely to be close to trend and inflation close to target over the coming year, it is appropriate for interest rates to be closer to average."

Australian Treasurer Wayne Swan said further rate increases must be expected.

"Rates can't stay at emergency levels forever," Mr Swan said. "Rate rises are an inevitable consequence of a recovering economy that is outperforming the rest of the world."

Australia's economy only contracted in the final three months of 2008.

It therefore avoided recession, which is generally defined as two consecutive quarters of negative growth.

Source: BBC News 02/03/2010

SMH: Consumers shrug off rate rises

An interest rate rise in February is looking more likely as consumers shrug off recent rate increases.

The news comes as Prime Minister Kevin Rudd warns voters to expect spending cuts as the labour market continues to mend.

But Australians appear to be unperturbed about rate rises in October, November and December, the Westpac-Melbourne Institute survey showed.

The monthly barometer of consumer sentiment jumped 5.6 per cent in January, with respondents even sunnier when asked about their economic expectations for 2010.

On the downside, the experts are warning home borrowers to expect a rate rise in February, when the Reserve Bank returns from holidays.

"The bank will be keen to move monetary settings back to a level where interest rates are no longer stimulatory for the economy," Westpac chief economist Bill Evans said, adding rates could rise another two times before June.

The prime minister was also urging consumers to expect some pain as he foreshadowed budget cuts.

"It is crucial that as a nation, we sustain fiscal discipline as we confront the long-term challenge of an ageing population," he said on Tuesday night.

"Some of the steps we must take to ensure fiscal sustainability will not be popular, but they will pay dividends over the longer term."

The coalition's finance spokesman Barnaby Joyce was sceptical about Mr Rudd's pledge to rein in spending.

"It's like the town drunk saying after one of the biggest binges in the history of the alley, 'I'm now going to revert back to the temperance league'," Senator Joyce told ABC Radio.

Responding to the charge, Treasurer Wayne Swan reiterated that Labor planned to cap spending and return the budget to surplus.

As Labor defends its stimulus package, the labour market continues to recover.

The government's skilled vacancies index rose by 1.1 per cent in January, the seventh successive monthly increase.

Westpac's Mr Evans believes unemployment has peaked at 5.5 per cent.

In another sign of an economic comeback, official residential building and home renovations data improved in the September quarter.

But the official figures were taken before the recent run of rate rises.

The government's first home buyer grant has since been scaled back to $7,000.

While the news is good, Housing Industry Association chief economist Harley Dale is worried about the effect rate rises could have on the construction sector.

"It remains unclear whether the recovery can gather legs beyond this year," he said.

The Reserve Bank is due to meet again on February 2, with most economists expecting the 3.75 per cent cash rate to rise again.

Source: Sydney Morning Herald

Get More Info>>

Alternative ways into the property market - #1

You don’t have to go it alone to get into the property market, says the Real Estate Institute of Queensland. The REIQ says there are a number of options available for those who may not have the wherewithal to purchase a first or new home buy themselves.

We'll examine one option today - "Co-buying"

One option is Co-buying - also known as shared ownership, joint ownership or co-ownership.

This is when two or more people decide to spread the financial burden and buy a property together. Parents are buying with their children; siblings are buying together, as are friends, extended family members, even colleagues.

By joining forces, you can afford somewhere bigger, better and sooner than you could alone.

For investors, the obvious advantages include the reduction in capital required, the reduction in other associated costs involved in buying a property - and as a result - the reduced risk, especially when better locations can be made more accessible.

"It is important to remember that a mortgage mate, a co-buyer or a co-investor is in essence a partner. There are significant legal and financial obligations to consider and plenty of due diligence is called for," REIQ managing director Dan Molloy said.

"It is vital that all parties have the same intentions and goals and a legally prepared document - such as a Deed of Trust - is advisable for anyone entering into a co-buying arrangement."

If you are considering this path, please talk to us about getting reputable legal advice. We deal with exceptional property lawyers and can help ensure you get the best advice. Contact us on 1300 911 576 or send us an email at enquiries@morpheusproperty.com.au.

Get More Info >>

An alternative to your bank!

I've heard many stories from people who have approached their bank, credit union or building society for a home loan, only to be declined due to their self-employed status, being new to the country or a poor credit history.

They'll often say, "Save an extra $50k and we'll see you in 2 years time" or words to that effect. Obviously, it's not in their best interest for you to shop around for an alternative solution, but there may be a better option for you.

There are lenders (slightly fewer than there were about 3 years ago) who can help with what are called non-conforming or "low doc" loans. The interest rate, LVR and LMI for these loans may be higher, but if it gets you into a property and you continue to make regular payments, you can switch lenders a couple of years down the track. Be careful though, as you still need to operate well with this level of debt and the risk profile of your occupation, etc. Don't make the mistake of over-committing!!

If the 2010/2011 growth predictions are accurate, it's a good time to own your home. This is the point of the cycle where people make their money.

If you want to talk about these options with a qualified finance professional, we can help. Call us on 1300 911 576.

Get More Info >>

Figures emerging. 2009 a good year for property.

Figures released this morning by RP Data (rpdata.com)-Rismark National Home Value Index, which is published by the RBA in the Statement on Monetary Policy, Australian home values rose by an indicative 1.1 per cent in the month of November after 1.3 per cent growth in October (October’s initial indicative estimate was 1.4 per cent).

Brisbane posting 6.9% solid growth for the year to November (figures yet to come in for December), despite widespread predictions of a flat year. The removal of the first home owner's grant (FHOG) boost has had a negligible impact, with investors and upgraders entering the market. The market is not expected to slow, despite interest rates normalising to around 7-8% and other Government stimulus winding back. RPdata.com's Tim Lawless said, "The primary driver of growth will continue to be an under supply of housing coupled with extraordinary housing demand fuelled by population growth".

Brisbane's median house price is $449,850, while units are $375,000.

Get More Info >>

Buying property - What sequence works best?

As Buyer's Agents, we recommend the following preliminary steps when buying property. We explore this in more detail with our clients, but here's a quick summary:

Structure --> Budget --> Finance --> Assemble the team = Buy!!

Structure

Visit your accountant and work out the most tax-effective entity for your property purchase. For many people (particularly home owners), you will buy your property in your own name. However, when you're about to purchase additional properties and start building a portfolio, it's good to ask the question - "What entity should I buy this in?"

Your accountant should consider two key elements:

1. What is tax-effective for you?

2. What is your risk profile?

Budget

The word budget is probably not the sexiest word on the planet (it's up there with "diet" and "tax return"), however, it's a very necessary step. Sit down and work out how much money you're earning and spending each month, then work out how much you feel comfortable as an ongoing commitment. Remember to include all costs (building repairs, maintenance, rates, agent's fees, etc), as well as any depreciation benefit from the property. Now you're ready to ask a mortgage broker about your borrowing capacity (the bank's opinion of what you can afford).

Finance (borrowing capacity)

Why didn't we make this the first step??

Structure comes first, so we can request finance pre-approval for the entity actually buying property. There's little point in applying for finance pre-approval for an entity which isn't actually going to buy the property. You could be buying it in your own name, but you could also end up buying it under a trust entity or a Pty Ltd. The documentation needed by the finance broker could be completely different.

Assemble the team

This is important. Work out who is helping you with your property purchase and write down their contact details. Include your conveyancing solicitor, building and pest inspector and your buyer's agent (of course). This way, you're able to act fast and generate a contract quickly.

Tip: Don't forget to start communicating with your team throughout the buying process. Don't wait until you've signed a contract!

Now... you're ready to buy!!!

Yours in property!

"Stick to variable interest rate to save money"

An interesting article on Fixed v Variable rates from today's Courier Mail:

IT'S too late now to fix your home loan - you should have done it six months ago in the depths of the economic gloom.

But the good news is that new research from RateCity proves that sticking to a variable rate for the next five years could save mortgagors thousands of dollars.

"Taking a fixed rate at 7.25 per cent today is like buying two car insurance policies for the same car," said Damian Smith, chief executive of RateCity.

"Fixed-rate options have factored in market expectations so if you're buying extra protection that the market is not expecting, why would you fix?" The market is expecting interest rates to rise by up to 2 percentage points gradually during the next five years.

If this occurs, the average standard variable interest rate would rise from the present 5.25 per cent to 7.25 per cent.

"Six months ago when the world was coming to an end was the time to fix," Smith said. "The economy has performed much better than anyone thought and in the past two to three weeks we've seen the average five-year fixed rate go to 7.25 per cent.

"The average of the big four banks' five-year fixed rate is 7.59 per cent, so the horse has bolted. We suggest a simple rule of thumb. If your present variable rate is within 1 percentage point of the present fixed-rate average of 7.5 per cent, then it is a pretty simple decision to fix.

"But if your variable rate is about 5.25 per cent, then that's 2.25 points away from the current average fixed rate, so it doesn't make sense to fix." more>>

If you would like free expert advice on your home loan (buying or refinancing), give us a call on 1300 911 576 and our finance broker will work out the best option for you.

Yours in property!

Finance - Are you getting the best deal with your mortgage?

Have questions?

- Is now a good time to refinance?
- Should I lock in a fixed rate loan?
- Which lenders can give me the best deal?
- How much money could I save?

Would like some competent advice before you make your move?

Call Morpheus Finance on 1300 727 586

Good advice - Where are you getting yours from?

This sounds like a simple enough question, yet the responses we hear are often quite frightening.

There are three main examples of how buyers obtain advice. We seek:
a) NO advice
b) some advice, but we choose unreliable sources
c) some advice from reliable professionals

Throughout a property transaction, you will often need some or all of the following professional services:

• Wealth Coach - to help ensure you have clear goals, a good budget, etc.
• Accountant - to ensure tax effective set up
• Solicitor - to maximise your asset protection, as well as ensure you're using legally enforceable and suitable conditions in your contract of sale
• Buyer's Agent - to find the right property at the right price and ensure the transaction runs smoothly
• Building and pest inspectors - to ensure the property is what it appears to be (help eliminate surprises)
• Conveyancing - manage all legal correspondence and searches
• Property Manager - find tenants for your investment property
• Tax Depreciation Specialists - ensures you get the maximum refund for your investment property

NO advice - Example

Buyer A goes to an auction to see what they're all about. A Real Estate Agent greets Buyer A at the entrance to the auction and encourages the buyer to "register to bid" - no harm there....

During the auction, Buyer A gets quite excited by all the noise and hype.  Not knowing the value of the property on the day, Buyer A puts his hand goes up in the air to make a 'silly' offer on a property. He believes it couldn't possibly go that cheap, so again - no harm there.

Unfortunately, Buyer A made an judgement error.  His first bid was the ONLY bid and Buyer A is now the proud (and very nervous) owner of a property he knows very little about.  Prior to the auction, Buyer A could have seen an accountant, solicitor, buyer's agent, building and pest inspector, but chose not to.  The consequences could prove to be devastating.

Advice - Unreliable source
Buyer B enjoys a lovely Sunday BBQ with close friends and family.  Buyer B's uncle (the property mogul of the family who 'knows everything') starts talking about a mate of his at work who uses a hybrid trust to purchase property. The uncle explains how this mate of his had sought professional advice and the trust was the best way to achieve the best asset protection and tax efficiency. As Buyer B is about to buy her first investment property, Buyer B listens intently.

On Monday, Buyer B sends an email to her solicitor with instructions to set up a trust entity - the solicitor obliges.

Buyer B then proceeds to get finance and purchase the property in the trust entity's name.  While the solution for one buyer may be the best for that person, it wasn't the best setup for Buyer B. The buyer only finds out how much she has lost when she walks into her accountant's office to help her with tax reporting obligations.

Advice - Professionals
Buyer C is an Engineer. She knows how to build a bridge and appreciates the benefits of growing her investment portfolio to generate wealth. She also realises her limitations and understands the value of professional advice. As such, she begins with her accountant and lawyer.

Once Buyer C has her structure sorted, she applies for finance pre-approval. In a strong position to buy, she approaches her Buyer's Agent to do the searching and negotiation on her behalf. Buyer C relaxes as the Buyer's Agent ensures the appropriate professionals are engaged throughout the purchasing process.

Buyer C has bought her investment property, which is optimised in terms of:

- asset protection
- tax effective set up
- value for money
- potential growth
- good tenants, who pay on time

If you want a buying experience similar to the last example, we can help you.  Operating in the industry every day, we know the good professionals, who can help deliver these services and make sure you get the most out of your property purchase.

Yours in property! 

Calling all investors!!!

After the hive of activity with the First Home Owners Grant (FHOG), Boost component and increase to the stamp duty threshold, Morpheus Property have noticed a new wave starting to hit the market.  Property investors are starting to come out of the wood-work.

Investors are getting ahead of the game, taking advantage of low property prices and affordable interest rates.  With a well geared property, Morpheus Property can make owning your next investment property a breeze.

Call now to see how quickly your Buyer's Agent can secure finance, search and negotiate your next property on your behalf!!

Phone 1300 727 586, or send an email to enquiries@morpheusproperty.com.au

Yours in property!

RBA Lowers Official Cash Rate to 3%

The RBA Board lowered the cash rate by 25 basis points to 3.0 per cent, effective 8 April 2009.

Statement by Glenn Stevens, Governor Monetary Policy RBA

Recent information from abroad indicates that the contraction in the global economy continued during the first few months of this year, and most assessments of the near‑term outlook have been further marked down. Considerable economic policy stimulus is in train in most countries, the full effects of which are not yet discernible, but which should help contain the downturn over the rest of the year. There are tentative signs of stabilisation in several countries, including China, though it is too early yet to judge how durable these will prove to be.

Conditions in global financial markets have continued to improve gradually, helped by progress towards a resolution of banking system difficulties in the United States and other major countries. Sentiment remains fragile, however, and the contraction in economic activity is affecting asset quality of financial institutions.The Australian economy is contracting, though by less than those of its trading partners. Capacity utilisation has fallen from its peak, and will decline further over the rest of the year. With demand for labour weakening, growth in labour costs will probably also fall. Hence inflation over the medium term is likely to be lower than it has been over the past two years. Demand for credit is weak overall, though credit for owner‑occupied housing is picking up.

There has already been a major change in both monetary and fiscal policy in Australia. Market and mortgage rates are at very low levels by historical standards and business loan rates are below recent averages, reducing debt‑servicing burdens considerably. Nonetheless, the Board judged that there was scope for a further modest adjustment to the cash rate. The stance of monetary policy, together with the substantial fiscal initiatives, will provide significant support to domestic demand over the period ahead.

Source RBA Press Release 8th April 2009

Right Property! Right Price!
Morpheus Property

Check your credit rating!!

The following from Wealthy Frog:

Your credit file is updated every time you apply for new credit (i.e. a loan). Importantly, the information is one of the factors that impacts on your credit-worthiness. Banks, retailers and credit providers use the data, along with the information you provide to them, to determine whether to lend you money or not.

At any time you can request a copy of your credit file to check for inaccuracies, review your loan applications etc. 

A simple way to obtain a copy of your personal file is by applying online at www.mycreditfile.com.au. The cost is $27.00 (including GST). A copy will be sent by email, post or fax within one working day of a request being received.

Follow link for more information

Want a No Deposit Loan - You need to act NOW!!!

Most of the lenders who were promoting 'No Deposit Loans' have withdrawn their products, with the last of the conforming loans being withdrawn on 9th April 2009.

You need to act NOW if you want to purhcase your first home with:

- No Deposit Loan

- No Stamp Duty

- $7,000 grant + $7,000 boost ($14,000)

- Morpheus Property's First Home Owner's discount (25% off service fees)

Make buying your first home easier (and cheaper), call us TODAY on 1300 727 586 or send us an email to enquiries@morpheusproperty.com.au.

Don't leave it until it's too late!!!

Yours in property!

Note: Morpheus Property discount of 25% applies to the 2.2% service fee and is only eligible for first home owners. Offer expires 30th June 2009.

6 Steps to Financial Freedom - Your FREE report!

Wealthy Frog have a simple, common-sense guide, which will give you a series of tried & tested strategies for creating TRUE wealth, regardless of how much money you currently have (or don’t have!).

Including a step-by-step guide for creating AND keeping wealth, this report is your key to financial stability.

This report is particularly useful for people contemplating buying property, who want to ensure they have a sound financial base before buying.

  To get your FREE copy, go to http://www.6steps2financialfreedom.com/

Yours in property!