Mortgage Finance
Owning your own home is a dream for most Australians.
Banks will generally create mortgages that take 25 – 30 years to pay off. But what if you could pay your home off 5, 10 or 15 years faster? Would you do this if you could?
Most Australians unfortunately don’t even know they can question and challenge the mortgage their bank has established for them. At Apollo Wealth Partners,, we will show you how you can challenge the bank’s lengthy mortgage terms and combat their interest charges. Being armed with knowledge and education on your rights and entitlements will help you pay off your mortgage cheaper and faster, saving you thousands of dollars in interest charges and paying your mortgage off years earlier.
Our partners and associates will show you the whole way through the process, explaining every detail you need to know. Our model is specifically designed to hold your hand throughout the whole process so that you have complete confidence and support throughout the journey.
Get started now. Utilise the many years of experience of our financial expert partners and associates to find you the best solutions for your mortgage needs.
Remember – you don’t go to the Australian Tax Office to have your tax done, so why go to the banks to arrange your finances?
Debt Consolidation
At Apollo Wealth Partners, we help everyday working Australians learn how they can manage their debts and secure their finances
Apollo Wealth Partners , through its partners and associates, can help you consolidate your existing debts into one repayment, to reduce the stress of multiple bills and save you money on your payments and their interest charges.
Debt consolidation is a financial strategy that merges all of your existing debts into one single debt and payment. This is then paid off more easily and cheaply, leaving you with a simple path towards clearing your debt.
If you own your own property or are paying off a mortgage, you can also look to consolidate your high interest charging debts into the lower interest rate of your home loan. Typically, debts such as personal loans, car loans, and credit cards can have interest rate charges at 6%, 10%, 15% or even 25%. These interest rates are considerably higher than the interest rates offered on mortgages. Why pay more in debt interest rates if you don’t have to? Talk to us today so we can put you on the right path towards being debt-free sooner.
Investment Mortgages
Buying an investment property is a dream for many working Australians. But where to start?
Many factors must be taken into consideration before you buy an investment property.
- Where to buy?
- How much to spend?
- Where to access the investment finance?
These are just some of the questions that we can answer for you.
Creating wealth through investment properties can be a great way to not only ensure financial stability in later life but also create wealth throughout your working years while also assisting in paying off your primary residency home loan cheaper and faster.
The Australian Government has gone to great lengths over recent decades to ensure regular working Australians can utilise their personal income tax dollars towards their personal wealth creation through real estate. Why not take advantage of these income tax incentives?
Whether you’re buying your first investment property or adding to an existing portfolio, Apollo Wealth Partners, along with its Partners and Associates, can guide you through the many questions and challenges that present themselves when buying an investment property.
Would you like to learn how you could buy your first investment property? Do you wish to add to your existing portfolio? Contact us now and one of our friendly staff will be in touch with you shortly to discuss this.
Retirement Planning
Planning for retirement is not just for people looking to retire in 1-5 years.
At Apollo Wealth Partners, we outline to people the importance of planning for their retirement throughout their entire working life.
“Failing to plan, is planning to fail”.
This is a saying many of us have heard before. But never truer than when it comes to our retirement.
When it comes to retirement, most people think ‘superannuation’. But how much does the average person know when it comes to superannuation? In Australia, superannuation can be confusing and complex. Sometimes you may not know where your funds are invested, when or how to access your superannuation funds, what the rules are, and how they apply to you.
Apollo Wealth Partners and its partners and associates aim to provide a seamless and comprehensive service to our clients as we explain and help you navigate your retirement future.
Along with our partners and associates, Apollo Wealth Partners aims to provide a seamless and comprehensive service to our clients as we explain and help you navigate your retirement future, including providing up-to-date advice on your superannuation and retirement to ensure you are giving yourself the best possible chance of financial security.
Apollo Wealth Partners and its partners and associates can help you
- Establish a new super fund
- Consolidate multiple existing super accounts into one
- Establish your own Self Managed Super Fund
- Show you on how you could purchase property investments with your super
- Manage your superannuation investments to maximise growth
- Review your existing superannuation accounts and performance
Property Investment
With our collective expert knowledge, we help you grow your portfolio.
We keep an eye securely on multiple property markets to provide you with the latest real estate insights, sales and rental data, and local knowledge to provide you with highly accurate recommendations.
We look for demographic information to match your property investments and your risk profile, along with market trends. Predominantly working with completed property in established suburbs with existing infrastructure means you have the confidence of:
- Peace of mind that the property price is at bank valuation – they can value it straight away, rather than waiting for land settlement & construction. Also, No risk of developer going broke during construction.. it’s all done.
- Peace of mind you’re not waiting for proposed schools, train stations and other amenities to be built… they’re already there.
- Proximity and access to Major Australian CBDs, we work with developers who have the buying power to build new “infill” developments & estates in existing suburbs.
- Tax Benefits Sooner – by considering your current tax position we are able to match investments with tailored fit-outs and inclusions to give you the best possible depreciation claims starting straight away – Rather than waiting for land settlement, then a 6-8 month construction.
- Rental Income Sooner – One of the key reasons a lot of Australians choose to invest in property is because there is a strong rental demand nation-wide for properties. With metropolitan prices skyrocketing in the last 10-20 yrs, a lot of these areas are simply out of reach for first home buyers to get in, but they will happily rent.
- Capitalise on Renter / Investor strategies – With the increasing popularity of younger Australians wanting to “rent where they want and buy where they can afford”, there is strong demand for new properties in great locations for these long-term tenants. Generally, these are people who would prefer to build an investment portfolio and enjoy their Smashed Avo on Toast, rather than have exorbitant mortgages soaking up their money. You can get a strong rental return while your tenants build their own investment portfolios – that’s a real ‘Win Win’.
Realistic Projections
When we calculate our Investment Analysis and forecasts, we don’t oversell.
Our calculations rely on conservative growth, interest rates, maintenance costs and vacancy rates, so you don’t get any nasty surprises later down the line.
Investment Finance Structure
Our Conservative investment Structuring will always focus on Debt reduction and asset protection first and foremost.
We’ve found a couple of the biggest things holding Australians back from investing in property is potentially risking the family home and/or the belief that it’s simply unaffordable – like what if the tenant moves out etc.
Using the below, simple yet effective way of structuring the investment loans, ensures that you:
- Won’t be exposed to Lender’s Mortgage Insurance (which protects the bank, NOT you).
- Will have a sufficient financial buffer to insulate you from vacancy and interest rate rises.
- Can maximise debt reduction of your home loan through the use of offset accounts and other financial tools that the banks have … but why would they show you how to use them?
Tax Minimisation
How much can proper tax reduction save you?
While tax reduction is typically associated with accountants only, here at Apollo Wealth Partners , we engage a team of experienced tax strategists and financial planners simultaneously to get you the best result. By getting a full-picture look at your income, investments and debt, we can often pick up on tax reduction strategies that your accountant may have missed.
While each situation is different, with the right tax reduction strategy it’s possible for an average Australian to save amounts ranging from a few thousand dollars to well over 5-figures. We can provide you with a ‘real time’ look at what tax reduction strategies may work for you and your situation.
As most employees’ tax is taken before we even receive it, we don’t miss what we don’t see. Typically, you really only notice it when you see your group certificate or Payment Summary at end of Financial Year. However, when it comes to making the mortgage payments, paying bills, or supplying for the kids, that extra 20% in the bank would make a world of difference.
Whilst we can’t stop paying tax entirely, we can be smart about it and understand how and where we could legitimately reduce it. At the end of the day, taxes in Australia are designed to be fair and the ATO has established ways to utilise your tax for your financial future, while providing rules and boundaries for residents to abide within.
.png/:/cr=t:0%25,l:0%25,w:100%25,h:100%25/rs=w:600,cg:true)
A Dedicated Team
You will receive guidance that is clear, understandable and will help you achieve your short-, medium- and long-term goals to help you receive financial freedom and independence.
How Can We Help?
Practical financial solutions whether it be related to a property purchase, setting up an investment portfolio or just taking stock of where you’re at with your home loan.