Property Financial Planning

Your property financial adviser creates a strategic plan to manage your finances effectively for the purchase, management, and sale of real estate investments. It incorporates budgeting, financing, tax considerations, and long-term investment strategies to help meet your personal or business financial goals.

Property investment can have multiple tax implications, including capital gains tax, property tax, and deductions for investment-related expenses. Your financial adviser can provide tailored tax planning advice to help you understand and manage your tax obligations effectively, ensuring that your investment strategy is tax effective.

We recommend reviewing your property investment strategy annually or whenever there are significant changes in your financial situation, investment goals, or the property market. 

For Apt clients, regular reviews ensure your investment strategy remains aligned with your objectives and adapts to any changes in market conditions or financial goals.

For most of us, a mortgage is the biggest debt we will ever have, and it’s important to revisit it regularly. Regardless of the interest rate environment, it’s a good idea to review your mortgage every few years to ensure you have the right product for your current circumstances. That could be about interest rate and costs and/or the features you need to support your life stage.

It is a competitive space for lenders, so despite the current economic climate, there may be a better deal to be had.

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In today’s market, it can be difficult to get a foot on the property ladder. Buying with a family member or friend can seem like a perfect solution, and we have seen an increase in joint mortgages and even parents helping their children to buy over the last decade. But is it a good idea? The answer isn’t straightforward, and it really depends on your circumstances and goals.

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