First Time Investors
Active Investors
Time Poor Investors
Own More Real Estate
Pay Less Tax
Dedicated Relationship Manager
(Last 3 years)
Since 2005, Reventon has helped over 3,000 Australians achieve their financial goals.
Whether your aim is to reduce your mortgage, invest in property or plan for a comfortable retirement, Reventon’s award-winning team of financial experts have the experience to support you every step of the way.
Don’t just take our word for it, listen to what our clients have to say below.
Learn how to build your wealth through property investing. Each year the property market creates thousands of new millionaires – and there’s nothing to stop you becoming one of them.
Busting the myth that property investment is reserved for the already wealthy, Chris Christofi’s new book shows you how to build a property portfolio step by step; from raising your first deposit, to establishing a successful multi-property portfolio.
Level 9, 420 St Kilda Road
Melbourne, VIC, 3004
Phone: 1300 039 376
Email: info@reventon.com.au
ABN: 402 724 401 73
Copyright © 2021 Reventon Investments Pty Ltd
FREE APPOINTMENT.
Book a free consultation, no fees, no obligation, no pressure.
Your superannuation is a long term investment. Include advice on it as part of your financial planning to reap the rewards of a lifetime of contributions.
Superannuation is a specifically designed fund to help you accumulate savings throughout your working life. It can help you to build a nest egg, which can then become an important income stream for your retirement or semi-retirement.
80% of Australians rely on the pension for their retirement income, but the average person needs approximately double the current rate to retire in comfort.
Your superannuation should be part of your long term financial plans and could be your largest asset by the time you retire. What’s more, the government offers attractive tax incentives for investing in your super.
We can help you to invest in property with your SMSF and secure your retirement.
Most people can choose their superannuation fund, and there are a number of variables that you should be aware of:
Fees: the average superannuation fee is 1.73% of your account balance per year, shop around for the lowest fee you can find.
Investment options: your super will come with different levels of risk, so you need to make sure your super’s investment strategy suits your needs.
Benefits: for certain super funds, your employer may pay more than 9.5%. Or if you contribute extra money, you can get extra benefits.
Performance: It’s useful to look at the medium term performance of a super fund, research trends over the last five years.
Insurance: Most funds offer income protection, plus life and disability insurance. Make sure you understand what you super covers and how much it costs.
If you’re looking to boost your retirement income, you may be able to make extra super contributions throughout your working life.
Concessional: If you and your employer agree, you can pay a portion of your pre-tax salary as an extra contribution to your super. This is known as a ‘salary sacrifice’ and can provide tax benefits if you’re earning more than $37,000 per year.
Non-concessional: You may be in a position to deposit your own money into your super. As you’ve already paid tax on this income, it won’t be taxed again when it hits your fund, however there is a cap of how much you can pay in per financial year.
Government co-contributions: If you earn less than $52,697 per year before tax and you make after-tax super contributions, you are eligible for contributions from the government. You’ll need to lodge a tax return for the year and the government will work out how much you’re entitled to.
How small changes can make a big difference for Olivia
35 YEARS
$75,000
$52,546
$250
Monthly
$89,828
Expert Reventon advice can make big life changes.
Your superannuation is designed to support you when you finish work, so you can access your super either when you:
*For advice on your preservation age or how to access your super, get in touch with one of our superannuation experts.
At Reventon, we provide independent superannuation advice so you can manage your fund most effectively. Our leadership team has over 125 years of collective experience, so you can relax knowing that your financial future is safe and secure.
The earlier you start planning your superannuation the better. Book a consultation today.
Secure a comfortable retirement with a flexible, diverse portfolio guided by Reventon’s expert investment advice.
Self Managed Super Funds (SMSF) are designed to help you grow a nest egg for a comfortable retirement. Unlike industry super funds, an SMSF is a ‘do-it-yourself’ super where you have more control of your money and investment strategies.
SMSFs make up a significant part of Australia’s superannuation pool, with more than 600,000 Australians investing nearly $7 billion into self-managed super funds (SMSFs) to take control of their retirements.
There are some key difference between SMSFs and industry superannuation funds that should be understood before
you decide where to invest your money.
Managed by its members
Potentially time consuming
Personally responsible for compliance
Flat fees
Managed by fund provider
Little time needed after set up
Fund responsible for compliance
Usually a percentage fee
We can help you build knowledge about your options for retirement
Many people today are looking for smart ways to invest and build wealth, beyond traditional means. This is why many
Australians are choosing the SMSF route to secure their retirement.
Members of an SMSF are also its trustees, which means they can exert greater control over investment strategies. With maximum control over your superannuation assets, you gain the flexibility to decide how your funds are invested.
An SMSF can be structured to meet the specific needs of its members. Unlike industry super funds, and an SMSF can be used to invest in property, unlisted shares, cash or any other assets that suit your financial objectives – even uncommon assets such as artwork.
Pool your superannuation savings with others to invest in assets that would otherwise be out of your reach. An SMSF allows up to four people to join their supers to buy high growth assets such as property.
SMSFs are highly tax effective and offer a number of discounts on your investments and your superannuation fund.
A growing trend with an SMSF is to use it to buy an investment property. With the flexibility of an SMSF, trustees can purchase a property, pay for repairs and maintenance, and capitalise interest. You have full control of choosing which property the fund buys, as well as managing the rent and deciding when to sell.
Why invest in property with an SMSF?
Property as a secure investment – Australians love property investments, particularly residential property. Property has a place in a well-diversified portfolio and can offer good income and capital growth over the long term. Property is also attractive to people who like to be able to see and touch their investment and get involved in the management.
Reduced or no Capital Gains Tax when you sell – Provided you keep your property investment in your SMSF until you are over 60 and retired, when you convert your SMSF into the pension phase, you will pay no Capital Gains Tax if you decide to sell.
Reduced or no income tax on rental income – You may also save tax on the rental income from the property. Provided you keep the property inside your SMSF, you will pay no tax on rental income in retirement and you will only pay 15% tax on the rental income while you are saving for retirement. That can be a big saving on your marginal tax rate.
You own your business premises – According to ATO statistics, around $62 billion or 12% of SMSF assets are invested in what they call “non-residential real property”, most commonly business owners who own their business premises through their SMSF. The great thing about this strategy is that you get rid of the tenants/landlord problems that plague commercial property and you may generate significant tax savings.
You want to leverage your super investment – If you decide to borrow money to buy your property inside super, you increase your exposure to the investment, thereby magnifying the gains (and the losses) from the investment.
Even if you don’t have enough super in your fund, you may be able to borrow the money using an SMSF home loan.
An SMSF home loan is useful to boost your super fund after pooling it with other trustees. To buy an investment property with an SMSF, you could borrow up to 80% of the value of a property. However, keep in mind that rates can be higher than average, and more lenders are tightening criteria or even stopping SMSF lending completely. It pays to get a good broker to provide you with mortgage advice about the path forward.
It can be understandably daunting to take your superannuation into your own hands. But with the taxation benefits, the flexibility, and the control you have over your portfolio, the rewards can greatly outweigh the risks – particularly with the right guidance.
At Reventon, our team is trained to look at your retirement goals and help you determine which route is best for you. A good SMSF strategy relies on knowledge, diversity and attention. We can provide you with all of these things and guide you toward making the best decision for you and your retirement.
Explore your SMSF opportunities today, book a meeting with an expert.
Receive smart investment advice that is tailored to your financial goals, and start building your wealth today.
If you are comfortable with your finances, but want to maximise your income investment could be for you.
You don’t need lots of money to start your investment portfolio – many people start small and regularly add money to their investment when they can afford it. As you get more comfortable, you can start to widen your investment approach with a range of options to help build your wealth.
We can help you choose the right path to build your wealth and reach your goals.
There are different types of investment, which all come with different risks and rewards. The investment you choose will
depend entirely on your financial goals, how comfortable you are with risk, and how quickly you’d like to see returns.
Cash investments include keeping your money in a high interest savings account. This is a very safe method of investment, but in general, the lower the investment risk the lower the potential rewards. Any rise in equity will likely be limited, and the ‘real value’ of your investment may stagnante if inflation rises.
Fixed interest investments include things like government bonds, corporate bonds or term deposits. In general, these will reap a higher reward than simple cash investment, but is still classed as a ‘defensive investment’ as they are considered low risk and potentially low yield. Your money is kept in the bond or deposit for a set period of time, which means there is less freedom than other investment methods.
Property is known as a growth investment technique, meaning that equity can rise rapidly and significantly over a period of time. With this kind of opportunity, there is a higher risk factor in your investment. However with the right investment guidance, purchasing property is a popular and safe means of wealth creation.
Shares are an increasingly popular investment method, where you can purchase a share of a company via a stock exchange. As a company gains value, so do your shares. This is a notoriously risky method of investing, but with the right guidance it can be potentially lucrative, with some share prices rapidly increasing in a short space of time.
To achieve your desired outcome, first you need to make a plan.
It is always beneficial at the start of your investment journey to assess your current financial situation and set out your goals.
For example, if you are approaching retirement age and are worried about your assets, you may need an investment strategy that will yield results in the short term.
If you are a younger investor, you may have a number of property cycles before retirement and therefore can afford a low risk strategy.
At Reventon, our award winning investment advisers are trained to look at your finances holistically and help you to determine which investment route is best for you. Once you have laid out your goals, we can draw up some investment scenarios for you to consider before making any choices whether to invest.
A good investment strategy relies on information, information, information. We’re here to provide it and guide you to making the best decision for you and your future finances.
At Reventon, our investment portfolios are tailored to each client’s investment objectives and risk profile. Once your investment portfolio has been established, we provide ongoing regular reviews where you will receive:
The earlier you start investing, the better chances you have of building your wealth. Book a consultation today.
Plan for the future and get proper protection for you and your family with Reventon’s suite of risk insurance products.
Sometimes life can present unexpected challenges that shouldn’t be ignored. Risk insurance helps to protect you, your
loved ones, and your assets in case unforeseen events occur.
Risk insurance can help to cover things like debts, rent and mortgage payments if you are unable to do so. It could also pay for the cost of rehabilitation after serious illness or injury, or aid with ongoing cost of living.
There are a number of insurance products that could help to support you and your family in case of an unexpected event. Reventon offers a range of different risk insurance covers.
Life insurance pays a cash lump sum in the event of your death. The money goes to your beneficiaries, who you nominate on your policy when you take out the insurance. Life insurance can help you gain peace of mind knowing that the people who depend on you will be financially secure and your assets will be protected.
If you are no longer able to work due to total and permanent disablement, TPD insurance will pay a cash lump sum. This can help to meet day-to-day living expenses, cover your medical expenses or rehabilitation costs, pay for any modifications required to your home, or even repay loans. TPD is often sold with life cover as a package.
If you find yourself unable to work as a result of sickness or injury, income protection insurance will pay an ongoing monthly benefit of up to 75% of your pre-disability salary. This can help ease the pressure of ongoing expenses such as rent, mortgage payments, and the cost of living. The benefit will continue to be paid for a specified period and premiums are generally tax deductible.
In the event you suffer from a certain specified medical condition that has a significant impact on your life, such as a heart attack, stroke, or cancer, trauma insurance can provide cover through a lump sum payment. This can help with extra medical bills or can cover the cost of living while you go through treatment.
We can help you build knowledge about your options for retirement
With such a range of products to choose from, it can be confusing to determine exactly what is covered.
Shopping around for insurance is certainly a key place to start. However, you should approach with caution – there are a number of policies on the market that seem similar on the surface, but miss some of the key covers that you might be interested in.
Here are some key things to consider before choosing your risk insurance:
Ensure that your policy covers what you think it does, including certain illnesses.
Ensure that your policy covers what you think it does, including certain illnesses.
These can vary greatly depending on your health status and your age.
All quotes should clearly communicate how much will be paid, and when.
This could be monthly payments or a one off lump sum.
As life develops you may want to alter or extend your insurance accordingly.
It’s easy to put something like risk insurance to the back of your mind. After all, it’s natural to not want to think about unexpected events like illness or sudden death.
But, the nature of unexpected events means that they can happen anytime, so whatever your age or health status, you should ensure you have sufficient cover for you and your family. The longer you wait, the more your premiums will cost, and the less secure your family may be.
Reventon will never oversell, so you can ensure you are getting the right level of cover, paying the right price. We can support you to:
Secure your future today, book a meeting with an expert.
Get expert advice on taking out a property investment loan, whether for a new mortgage or to refinance your existing loan.
If you’re looking to invest in property, you’ll likely need an investment home loan.
More and more Australians are looking to invest in property, which means investment home loans are on the rise. An investment home loan is set up slightly differently from residential home loans – particularly around deposits, interest rates, and fees. It’s important to learn about these differences so you can shop around for the best deal for you.
We can provide advice to build your wealth and secure your financial future.
Taking out an investment home loan comes with some differences than if you were buying a property to live in.
Many lenders look for a larger deposit if you are taking out an investment home loan. While you may find some banks are willing to lend with a 10% deposit, it’s far more common to see investment home loan products requiring a 20–30% deposit.
There are two main things to remember with your home loan deposit figure – over-leveraging and lenders mortgage insurance. We strongly advise against over-leveraging and borrowing to the maximum you can afford. It means that if anything happens in the future affecting your income, you could be unable to meet your mortgage repayments. The other aspect, lenders mortgage insurance, is required if you take out a loan with less than 20% deposit. It can be expensive, so it’s well worth doing your maths about what is going to see you better off in the long run.
A key feature of an investment home loan is that it comes with an interest-only option. This is where you only pay back the interest on your loan, rather than paying off all of the principle. When taking out an interest-only investment home loan, you’ll need to provide your lender with details of how you are going to repay the loan at the end of the term.
Many people offer to sell their investment property at the end of the loan term, or you may be able to take out another loan against the property to pay off your original mortgage, if you want to keep your home. This might sound like a bad way of purchasing an investment property, but it has a number of advantages. Firstly, your monthly payments will be lower – this means you’ll have the money in your pocket rather than it going into your home each month. Secondly, if you have done your property market research and bought in a high growth area, you can still benefit from rises in equity:
Ruby buys an investment property worth $350,000. She has a deposit of $50,000 and gets an investment home loan for the remaining balance with interest only for 5 years.
Her interest payments each month are covered by the rent Ruby receives from her tenants. She even takes some profit every month from the rent left over. After five years, Ruby’s interest-only term is over.
She still owes the bank $300,000. However, the property is in a high growth area and has risen in value. It’s now worth $500,000. This means Ruby can sell the property, pay back the bank, and still take $200,000 from her investment.
Many investment home loans come with a slightly higher interest rate than residential home loans. If you’re wondering how much more you might be expecting to pay, that depends entirely on the loan product you are looking at. It’s important that you shop around for the best deal, a Reventon broker will be able to help. A scan of products on offer shows that the interest rate on an investment home loans can be around 0.5% more expensive than on a residential home loan, which can have a significant effect on the amount you are paying back over the course of your loan term.
If you are thinking about taking out an investment home loan, you should be aware of some extra fees and costs involved. This includes an establishment fee (which is common across many loan products), early exit or break fees, which you may be charged if you pay off or switch your loan before the fixed rate period ends, and a ongoing fee, which is an administration costs that can be charged monthly or annually. Before you take out any investment home loan, you should be aware of any accompanying fees, as they could cost thousands. We recommend speaking to an adviser if you’re unsure.
If you’re looking to take out an investment loan or upgrade your current loan, we can use out expert knowledge of the finance industry to ensure you make the right decision for your goals.
Our team of financial and property investment experts can:
To find out more or to get started with your investment loan, book a meeting with one of Reventon’s experts today.
If you’re a homeowner and considering a new loan, Reventon can guide you to the best deal that works for your financial goals.
Refinancing is when a homeowner pays off their existing home loan and replaces it for another. There are many positives to refinancing as a financial planning strategy, including lower interest rates, equity release options, and shorter repayment terms.
It pays to do your research if you are considering refinancing your home loan or your property investment home loan. By looking at the bigger picture, including checking whether any fees or charges apply, you can ensure that you are benefiting financially in the long run.
We can provide advice to build your wealth and secure your financial future.
Many homeowners purchased their property a number of years ago with a home loan that suited their lifestyle. Changes in circumstances can mean that these home loans no longer represent the best deal out there, so it makes sense to shop around and see if there is a more competitive loan on the market.
Neil has a home loan interest rate of 4.8% on a $250,000 balance, paying $1,433 each month over 25 years.   If he switches to a 3.5% rate, his monthly payments will fall to $1,252, saving him $54 280 over the lifetime of the loan.
Amy’s current loan interest rate is 6% with a $175,000 balance, paying $1,128 each month over 25 years.   Now that interest rates are lower, Amy secures a new loan deal with a 3.5% interest rate, meaning she can change her repayment term to just 15 years, paying $1,252 each month.   With a simple refinancing strategy, Amy will be mortgage free 10 years earlier and gains a huge $113,070 from interest savings across the lifetime of the loan.
Many people look to refinance as a way to convert their loan type from variable-rate to a fixed-rate mortgage. This is particularly popular where the economy experiences a significant shift over the course of a loan period, and homeowners see opportunities to either benefit from low interest rates, or fix their home loan rates before an anticipated rising of interest rates.
Variable-rate mortgages generally offer lower rates than fixed-rate mortgages as they are dependant on an index that could change substantially across a number of years. To gain the stability of a fixed-rate mortgage, you may be paying a little extra each month.
Whether you would like to move to an variable-rate or fixed-rate home loan deal depends entirely on your financial circumstances and your ability to respond to potential rises in interest rates. We suggest speaking to a professional and shopping around for a number of options before making any decisions.
Refinancing to release equity from your home should be approached with caution. You are essentially borrowing more money against the value of your home, which means you are getting into further debt that will take longer to pay off.
However, there are many popular and valid reasons to release equity from your home, for example you may be looking to complete renovations that could increase the value of your property, or you might use equity release as a way of consolidating your debts.
One of the top reasons to refinance and release equity in your home is to gain initial capital to purchase an investment property. Many homeowners find this is a sound method of generating wealth in the long run, with a wealth building investment plan.
We highly recommend gaining professional advice before considering releasing equity from your home for any reason. A Reventon expert can discuss your financial goals and reasons for considering this route, before guiding you through all the possible options available.
If you already own an investment property, you hopefully are seeing the financial benefits as your investment increases in value. You may even be considering purchasing another investment property after seeing your first perform so well. At Reventon, we encourage our clients to continue reinvesting and carry on their journeys towards financial independence.
If you have received sound property market advice and a comprehensive investment strategy, your investment property will have increased in value since you bought it. You can then refinance your investment property and use the extra equity to purchase a new property. This way, you are taking on far less risk or personal sacrifice to purchase your second, third or fourth investment property.
Before refinancing your investment property, you must ensure that you are able to afford it. This isn’t simply the deposit you’ll be required to put down, but also your investment property home loan. You should have a full financial strategy in place for unexpected scenarios such as your property being left vacant for a period of time, or your personal financial circumstances changing.
Speak to a Reventon expert to talk through your current finances and the options available to you for refinancing on your investment property.
Whether you’re refinancing your home loan or investment, our expert knowledge of the finance industry will ensure you make the right refinancing decision.
Our team of financial and property investment experts can:
Discover the best refinancing route for you, book a meeting with an expert.
Reventon can help you consolidate your existing debts into one repayment, to ease the stress of multiple bills and save you money on your payments.
Debt consolidation is a financial strategy that merges all of your existing debts into one single debt. This is then paid off through one manageable payment, leaving you with a simple path towards clearing your debt.
Remember – there is healthy debt and unhealthy debt. By keeping up-to-date with debt management, you can ensure that you’re getting the best deal that suits your financial situation.
Plenty of people find themselves borrowing money at some point in their life, whether it is a home loan, credit card debt, or business debt. Clearing your debt through consolidation can help in a number of ways.
We can provide advice to build your wealth and secure your financial future.
Combining your debts through a loan is one of the most popular methods of debt consolidation. It can be especially beneficial if you have high-interest debts. There are a few options on the market.
A personal loan can offer an excellent means of debt consolidation as payments are fixed and run for a fixed period of time. Getting approved for a loan and the interest rate you receive will depend on your credit rating, but there are a range of products on the market for a range of people and circumstances. Speaking to a financial expert can help you determine whether this method would reduce your overall monthly payments.
A debt consolidation loan does exactly what it says. They are offered by banks and credit unions and are specifically designed to combine your debts. Generally they will have lower interest rates, but you may be required to extend your current repayment period to keep up with your payments each month. This could have repercussions on the interest you’ll pay, so you should get advice to get the full picture.
If you own your own property, you can apply for a home equity loan, which is taken out using equity in your home as collateral. Interest rates are generally lower than other kinds of loans, but remember that your home may be at risk if you do not keep up with repayments. You should get professional financial advice before considering this route.
This method of debt consolidation involves transferring your credit card balances onto a single credit card. You’ll be able to take advantage of credit card deals that offer low balance transfer interest rates, lowering your overall payments. Usually these rates expire after an initial period, so you ensure that you’re aware when your rate expires. You should also get advice about how this could affect your credit rating.
If you do not wish to consolidate your debts through a loan, you might consider a credit card balance transfer. However, this should be approached with caution.
This method of debt consolidation involves transferring your credit card balances onto a single credit card. You’ll be able to take advantage of credit card deals that offer low balance transfer interest rates, lowering your overall payments. Usually these rates expire after an initial period, so you ensure that you’re aware of this deadline as rates can be high once the initial period ends.
You should also seek advice about how taking out another credit card could affect your credit rating – it might lower your score (but if you make your repayments on time, it will recover).
If you have a number of debts and you’re looking to consolidate them, the first step is to speak to an expert about the way forward. Without proper planning, you could increase your debt or even lose your home.
At Reventon, our team is trained to look at your debts and help you determine which route is best for you. A good debt consolidation strategy can mean you will clear your debt faster and with less interest payments, saving you money in the long run.
Make the best debt consolidation plan for you, book a meeting with a financial expert.
A Reventon Partner – CHC Planning Solutions are a highly experienced financial advisory team who provide our clients with astute and technically sound advice that is timely, practical and strategic.
CHC Planning Solutions is a close partner company of Reventon and works across our risk insurance, superannuation, self managed super funds, and investment advice services.
Created by Reventon’s Founder and CEO Chris Christofi, with Directors Harris Hadjiharalambous and Chris Stylianou, CHC takes pride in offering only the best products, services and investments available in the market today to help clients make better financial decisions for their futures.
We’ve helped thousands of Australians to build their wealth through property investment. With our expert support and advice, you could secure a bright financial future.
Investing in property is a secure way to build your wealth. Long term or short term, you can benefit from growth of the property market with your investment paying off significant returns if done correctly.
There are different types of property investment and different types of investor. The route you choose depends entirely on your financial situation, your future goals and the kind of property you want to buy.
If you’re a traditional investor, you probably already have your own home and are purchasing an additional property to rent to tenants. You might want to maximise your income, secure your future finances, or build a legacy for your kids. You may receive monthly profits from rent and you’ll benefit from the property increasing in value over time.
Rentvesting is where you invest in your first home in an up and coming suburb, with the intention to let it to tenants. You remain in your own rental accommodation in your chosen suburb (which is often more established and therefore more expensive). In time, your investment property will help fund a purchase of your own in your chosen suburb.
Investing in property doesn’t have to be focused on revenue. If you are purchasing a property to live in, it’s smart to seek advice to give your new home the best chance of growing in value. By buying the right kind of property in the right location, you can be confident that you’re capitalising on your purchase when the times comes to move on.
Whether you’re planning to future-proof your family’s finances or looking for some extra spending money, property investment offers significant financial benefits that you wouldn’t find with a traditional savings account.
80% of Australians rely on the pension for retirement, but the average couple needs at least double the current monthly pension rate to live comfortably. Investing in property can help increase your retirement income.
Investing in property can help you to make significant savings on your income tax. There are a range of deductions you can claim on your investment property that means your tax bill could come in at up to 20% less.
Australian property has risen an average of 6.8% each year for the past 25 years – and these are just averages. Purchase a property in the right location and your asset could grow in value year-on-year.
Property is one of the most secure ways to invest your money. While there are ups and downs in real estate values, medium and long term investors can benefit from the steady growth of property prices across Australia.
When buying an investment property, it’s important to lay the groundwork to secure your financial future. This means taking a in-depth look at your finances, your goals for the future, and the options of how to get there.
When sourcing funding for your investment, you will likely need to take out an investment home loan. There are some key distinctions between owner-occupier home loans and investment home loans:
Interest rates: The interest rates for investment home loans are generally higher than owner-occupier loans. Expect at least a 0.5% higher interest rate, which can have a significant impact on the amount of money you’ll pay each repayment period and over the the lifetime of the loan.
Lending criteria: Many investment home loans have a lower loan-to-value ratio (the size of your loan versus the value of the property) than owner-occupier loans. Lenders see higher rates are higher risk, and very few lenders offer 90% or above loans to investors.
Interest-only loans: Investment home loans are often available as interest-only loans, where you pay interest charges without paying any of the equity. This will reduce your payments each month leaving you with more money in your pocket, but you’ll need to show how you intend to pay back the loan at the end of the loan term – usually by selling the property.
Remember – often a bank or broker will tell you how much you could borrow not how much you should borrow. This can often lead to would-be property investors maxing out their borrowing capacity and taking out a home loan that they can’t afford if circumstances change in the long term. When investing in property, conservative estimates and independent advice are safest.
When the time comes to begin searching for property to invest in, location can make a huge difference in the potential for your investment to grow. Many people chose to buy close to home or in a familiar location because it’s more comfortable. But, with full property market analysis, investors can make sure their investment is maximised and will give the best returns over the short, medium or long term.
By identifying suburbs that are projected to increase in value, also known as high growth suburbs, there are a number of factors to look for.
Top line factors include population increases, infrastructure investments and recent trends in property prices. There are also other influencing factors such as companies moving into the area, new schools, transport links, and amenities for the suburb. When selecting a property, factors such as the number of bedrooms, new versus existing properties, and its distance to local amenities are important to consider.
If you invest in property, there are a number of income tax deductions you can claim for the costs related to your investment. This includes things like loans and interest, depreciation costs, management costs, council bills, insurance and other fees.
There are also different kinds of investment – positively and negatively geared properties – that makes a big difference when it comes to your tax returns.
Our expert knowledge, your growing investment
We keep an eye firmly on the property market to provide you with the latest real estate insights, sales and rental data, and local knowledge to provide you with highly accurate property investment recommendations.
We offer our clients a free property investment advice session to talk through your individual circumstances and advise which investment route is best for you.
Get a comprehensive investment report tailored to your circumstances. You’ll receive a specially-made book containing a wealth of information, facts and stats about the investment options available to you.
Understand the differences of purchasing house and land, apartment, or townhouse investments.
Get a comprehensive investment report tailored to your circumstances. You’ll receive a specially-made book containing a wealth of information, facts and stats about the investment options available to you.
Victoria’s property market is a two-sided coin. House prices are slowing in some areas of the city, while other suburbs are enjoying significant increases in property value. Property investment hotspots are emerging through out regional Victoria including in the Greater Geelong and Ballarat region. Let’s take a look at some of property market insights:
Average house price growth is being dragged down by a decline in the value of Melbourne’s most expensive homes. This is likely due to tougher lending criteria and hiked rates by the banks, meaning that people can no longer afford large loans and are required to bring a higher deposit to the table. Homes in the lower quartile of value across the Melbourne market (in other words, cheaper houses and units) are holding firm and in certain areas showing significant increases year on year. There are still excellent prospects for investors, by focusing on affordable homes in the right area.
Dwellings in expensive inner city locations are slowing in growth. The demand for property is instead rippling outwards towards more affordable areas of the city such as Melbourne’s outer northern and western suburbs.
Melbourne’s population is currently growing at +2.7% per year, compared to +1.8% for Sydney. People coming to the city all need homes to live in. They also need schools, transport, amenities and infrastructure, meaning that Melbourne benefits from a range of investments and new businesses. This is a good sign for Melbourne’s economy and housing market. The key to a smart financial investment in Melbourne in this climate is to gain insights on which suburbs are expected to grow and which kind of property to invest in.
If you’re thinking about investing in Brisbane property, understanding the local market is essential before you make an investment decision.
We are experts in the Brisbane property market and constantly analyse trends and forecasts to offer the highest quality insights for your purchase.
Let’s take a look at some of our Queensland property market insights:
The Brisbane property market is steadily gaining pace as figures suggest that the market may be entering its growth phase in the property cycle. It is currently one of the only capital cities in Australia to be showing positive average yearly growth, and seems to be steadily gaining pace in contract to Sydney and Melbourne. Brisbane is benefiting from large-scale infrastructure investment and a growing economy. This is contributing to high figures of interstate migration to Brisbane, with many young, educated workers moving to the city. As these new residents look for convenient, inner-city rentals close to amenities, we anticipate more investors turning their attention to Brisbane over the coming years.
The success of an investment in the Brisbane property primarily depends on the suburb – followed by the type of property. There is a huge difference in the performance of investments across Brisbane suburbs, with some showing an extremely health annual growth of 23% while others dwindle at 1.9%.
As expected, Brisbane properties come at a more affordable price point than Melbourne or Sydney. This means that investors can take advantage of more affordable property in inner-city and middle-ring suburbs, which have a higher chance of equity growth as the Brisbane market develops.
Over the last 12 months, many properties in Brisbane have shown double digital capital growth, attracting the attention of investors from across Australia. But with such varying levels of growth across the city, you need to be sure that you’re buying in a suburb that is predicted to grow.
If you’re thinking about investing in Sydney property, understanding the local market is essential before you make an investment decision.
We are experts in the Sydney property market and constantly analyse trends and forecasts to offer the highest quality insights for your purchase.
Let’s take a look at some of our property market insights for New South Wales:
Sydney has experienced a boom in the last five years with a huge 75% increase in house prices since 2013. For the first time, the median house price hit $1 million, making Sydney one of the most expensive cities in the world to buy. As expected after growth of this scale, Sydney’s market is now slowing. However, Sydney’s economy remains strong with jobs and population figures predicted to continually increase, indicating this is a natural correction in the market cycle rather than a market ‘crash’.
Sydney is made up of many small markets. By zooming into individual suburbs, there is still potential for property price growth despite the overall slowing of the Sydney market as a whole. This is particularly true for Sydney’s inner and middle ring suburbs, which consistently see a higher property price growth than outer areas of the city.
The average age of residents in Sydney’s CBD is just 32 years old, with many younger buyers and tenants looking for the convenience of city living and entertainment facilities. This has contributed to the gentrification of previously undesirable areas, which are now hot spots for property investment with infrastructure spending being pumped into inner and middle ring suburbs. Property investors can benefit from these trends by securing the right type of property, in the right area. Some areas of Sydney suffer from an oversupply of property, so it’s important to conduct research to ensure that any investment will be attractive to Sydney’s very specific demographic.
If you’re thinking about investing in Perth property, understanding the local property market is essential before you make an investment decision.
We are experts in the Perth property market and constantly analyse trends and forecasts to offer the highest quality insights for your property investment decisions.
Let’s take a look at some of our property market insights for Western Australia:
There’s no doubt that growth in property prices in Perth has slowed in recent years. This is largely due to the state of Perth’s economy, unemployment figures and an oversupply of apartments. It is likely that Perth’s housing market has reached, or will soon reach, the bottom of its cycle. This means that despite headlines of decreasing prices, we can expect a slow improvement over the coming years, supported by investment in infrastructure and job creation for WA.
Perth is no different from other property markets in how important it is to look closely at individual suburbs that may divert from big picture trends. As the housing market enters its growth phase, many investors are positioning themselves to benefit from the improvements in the market. As the conditions in Perth stabilise, real value can be found in properties close to schools, transport links and local amenities.
There has been strong price rises across 12 suburbs in Perth, largely at the higher end of the property market. The most expensive homes in Perth increased in value by 1.5% in just one quarter of this year. In fact, the inner city and south-west suburbs of Perth are predicted to lead the recovery of the city’s housing market over the next couple of years. In this environment, it’s important to define and plan for your personal financial goals. If you’re looking to invest in the long term, Perth may be an excellent choice due to the affordability of homes in some of the city’s most desirable locations.
With deposits, home loans, fees, inspections and renovations, home ownership can seem unattainable. We have the services to help you get on the property ladder and secure your financial future.
Purchasing a home is big financial commitment and it can be a confusing process. There’s plenty of choices to make about funding, suburbs, properties, and costs. If you get your first property right, it can strengthen your finances for life – that’s why it’s important to get the right guidance to help you navigate what’s to come.
Affording a property is the first barrier many would-be first home buyers will come up against. Saving for a deposit is an important first step, but you should also keep in mind your borrowing limits and any fees that might crop up during the process.
Aim to have saved around 20% of the value of the home you want to buy. Your deposit can be as little as 5%, but there are lots of benefits to having more cash at the outset like better interest rates and lower loan payments each month.
If your deposit is less than 20%, you’ll need to pay Lender’s Mortgage Insurance (LMI), which is a one-off cost to protect the lender if anything goes wrong later down the line, which could be thousands of dollars. Plus, you may need to find a guarantor where a parent or family member promises to pay your mortgage if you default on a payment.
Before you start looking at the cost of homes, research your borrowing capacity. Speak to a financial advisor about borrowing options available to you. Remember that a bank will often tell you your maximum borrowing capacity. But by speaking to a financial advisor, you will discover how much you should borrow, not simply how much you could borrow.
Over-borrowing is a common mistake among first time buyers. Be sure to future-proof your purchase against unforeseen events such as interest rate rises or if your circumstances change.
There are some different kinds of home loans you should become familiar with:
Variable: interest rates will rise and fall with market changes
Fixed: interest rates are agreed at the outset and won’t change
Capped: rates can fall but cannot rise above a fixed cap
Split: interest is fixed on part of the loan but variable on the other
Fixed period: interest rates are agreed for a set period, e.g. 2 years, 5 years and then change to variable
Stamp duty is a tax that you need to pay to the state government when you buy a property. The total cost depends on the purchase price and differs in each state but it can be a significant cost – in many cases tens of thousands of dollars.
The good news is, you may be entitled to a stamp duty discount or exemption depending on where you live and the property you buy. Different states also have different rules and due dates for when you must pay, so speak to an expert to find out exactly how much you’ll be expected to pay and when it’s due.
First home buyers across Australia can benefit from offers and grants from the government to support them buying their first home. The First Home Owner Grant, or FHOG, is a national scheme funded by states and territories to support first home buyers to get on the property ladder. Each state has slightly different eligibility criteria and available funding, so ensure you research the First Home Owners Grant in your area.
Want to buy your first home but don’t want to forfeit your lifestyle?
‘Rentvesting’ could be for you.
If you’re not yet on the property ladder, you are likely renting in an area that you know and love with good amenities, cafes and restaurants, and entertainment facilities. But properties in these areas often come with a high price tag for home purchase.
First home buyers then face the difficult choice of either moving out of their favourite suburb to buy a property in a cheaper, but less attractive location. Or stay in their suburb, continue to spend money on renting, and hope that one day they’ll have enough of a deposit to buy in their dream location.
However, there is another choice known as ‘rentvesting‘. Here’s how it works:
Rentvestors use their deposit savings to purchase their first property in an affordable, high growth suburb specifically to rent it to tenants
By using their first purchase to become a landlord, rentvestors remain in their current rental accommodation in their chosen suburb
Rentvestors use the profits and equity gain from their investment property to fund a purchase in their preferred location after a few years
Waiting to save up more deposit funds or to get a pay rise at work can take decades. If the property is in the right suburb, it can be as little as two or three years before a rentvestor sees enough return on their investment to boost their savings and purchase a property in their dream location.
Your step by step guide to home ownership
Work out how much you can afford in mortgage repayments each month, and find out how much you could borrow from lenders. Once you’ve chosen the best home loan for you, apply and gain a pre-approval certificate to take to inspections.
Whether you’re buying an investment property or home to live in, it could pay to search in areas that you might not have considered before. Research high price growth suburbs that will give you significant returns when it’s time to sell.
Deciding a figure can be difficult, but generally offers are made somewhere between 5–10% below the asking price. But, each property is different and it depends on the pace of the property market at the time of your purchase.
Once the results of your inspections are in and your final purchase price is agreed, it’s time to exchange contracts and pay your deposit. Hire a professional to check the contract carefully before signing anything – after this point, you’re legally bound to purchase the property.
While your solicitor arranges the legalities of your purchase – this usually takes around 6 weeks – your job is to sign any necessary papers, arrange the balance of your mortgage with your provider and secure insurance for the property so you’re covered from day one.
An unfortunate but necessary cost of purchasing property. Pay for comprehensive inspections (building, pest, electrical, and land/property surveys) to make sure there are no hidden issues that could cost you thousands of dollars to repair in the long run.
Your funds are transferred from the lender to the vendor and your conveyancer notifies the relevant Government departments of a change of ownership. In other words, the property is now yours! You can finally pick up the keys and let yourself into the property.
Although this is one of the last steps of your property journey, it’s a big one. Plan well ahead for your stamp duty costs as they will account for a good portion of your property budget. Keep aware of the payment deadlines for your state or territory and research how to pay.
Becoming a homeowner is a big achievement, so take a moment to sit back and enjoy your new property. Shop for furniture, tend to the garden, and invite your loved ones to your new home. Or if you’re becoming a landlord, start the journey to find your perfect tenants.
Reventon’s property investment and accounting services can help you make the most of your money and may reduce your income tax.
When planning finances for property investment, many would-be investors focus only on house prices and rental rates to estimate their returns. However, there are a range of tax deductions and calculations that means owning an investment property could be more affordable and better for your bank balance.
This page offers a complete guide to tax and property investment.
If you invest in property, you can claim back many of your expenses through tax deductions in order to reduce the amount of tax you pay on your rental income. This includes:
loans and interest
depreciation costs
costs of managing the property
council and (some) utility bills
landlord insurance
maintenance and repair costs
accountant’s fees.
It’s important to keep all of your expense receipts and every document relating to money spent on your investment property so you can submit them with your tax return when the time comes.
Depreciation allows investors to claim tax deductions for fixtures and fittings as they get older and wear out. This can include items within the building such as ovens, dishwashers, carpet and blinds, as well as the building itself such as concrete and brickwork.
Even though your property may go up in value on the market, you can still claim depreciation costs against your income.
Until 2017, Australian investors could claim depreciation on new and used homes. But since then, depreciation can only be claimed on assets in new homes or new assets installed in an older home. This means that generally, brand new off-the-plan homes will have far more scope for claiming depreciation when it comes to tax time.
Speak to one of our experts and get personalised advice for free
Positive and negative gearing are often used terms in property investment. It’s important to understand the benefits and drawbacks of each option when thinking about making your investment.
It might seem that negative gearing is a bad thing, but there are plenty of upsides to negative gearing when it comes to your tax returns. Rather than paying extra tax on the income you receive from rent, if your property is negatively geared the difference represents a loss and can be offset against other income – like your wages – to reduce your tax bill.
Using an example of a property investor in full time employment:
Annual salary = $95,000
Rental income per year = $23,000
Total annual income = $118,000
The additional rental revenue would raise the total annual income, meaning that much more money is paid in tax. $84,380. Now let’s take into consideration the running costs for the property and the depreciation claims that can be made:
Annual cost of property (includes loans, fees and insurance) = $22,000
Depreciation claim = $11,000
Total claimable expenses = $33,000
Your new taxable income is now $85,000
This brings the total annual income into a lower tax bracket overall, and because tax has already been paid on the $95,000 salary ($10,000 more than the real taxable income) this person can expect a tax return of $3750 for the year. That’s nearly $75 per week in the pocket to spend on family, fun, or savings.
What’s more, if the investment property is increasing in value (which it should be with the right market advice and insights) there will be significant profits when the property is sold. Generally, the amount a property increases each year will far outweigh any profits from rental income.
Capital Gains Tax applies to any profits you’ve made on your property when you sell it. It takes into consideration your ‘cost base’ – the original property price, plus any costs associated with the purchase and sale of the property for example stamp duty, broker fees, loan application fees and legal expenses.
If you’ve owned your property for more than 12 months, you can apply for a 50% discount on your capital gains tax, which can amount to significant savings. If you have other assets that you’ve made a loss on, you can offset the figures to work out a net capital gain or loss.
Calculating the rate for Capital Gains Tax can be complicated, as there are a range of factors that could affect the amount you pay. We suggest using the services of a professional accountant if you’re considering selling your property to check any savings you could make.
We set up an initial chat to talk through where you are financially, and where you want to be. One of our experts can even visit you at home. Throughout your journey with us, we’ll listen to your needs and use our expertise accordingly.
There are plenty of routes to building your wealth – we create a comprehensive financial strategy personalised to your circumstances. All of our strategies are based on cutting edge market research and expert professional insights.
Once your strategy is set, it’s time for us to implement it. Reventon is made up of expert financial, property and accounting teams to provide you with an end-to-end service, all under one roof – easing stress and time concerns.
If you have chosen to invest in property, we can help secure funding, find a property and complete the purchase. Our property management team can then help you find tenants and manage your rental property.
We protect your wealth through sustainable investments, risk insurance and personal tax reduction. Many of our clients return once their initial goal has been met, to work towards another one.
Build Wealth, Save Time, Live Better
If you are thinking about property investment and how it can help you reduce tax, it’s recommended that you speak to a professional about your options. Reventon offers financial planning, accounting and property investment services, so you can benefit from expert advice before making any big decisions.
Remove the stress from tax and property investment with Reventon.
A range of financial, accounting and property services are brought under the Reventon banner
Chris takes part in his first Vinnies CEP Sleepout. He exceeds his $40,000 target by raising $40,185 placing him 12th out of 1,462 CEO’s nationwide and in the top $1% of fundraisers across Australia.
You can check out Chris’ first ever LinkedIn post talking about his experiences on that first sleepout by clicking here.
After raising over $40,000 the previous year, Chris and the Reventon team are determined to beat that, and this year manage to beat their target of $60,000, raising $60,564 for homeless Victorians, after Chris promised to match every dollar donation with 50c of his own money. This year Vinnies hit a new record of $7.87 million nationally.
After raising over $60,000 in 2019, this year Chris and Reventon manage to easily clear their target of $80,000 and raised $82,177 after Chris vowed to match ever dollar donated with 75c of his own money.
Matt Charles from We Gift Wrap worked with Chris to produce a song raising awareness of Chris campaign.
Billie joined Chris again for his 4th Vinnie’s CEO sleepout. After raising progressively more and more in previous years, Chris placed in the top 5 CEOs nationally after donating over $113,000, after Chris pledged to match ever donation dollar for dollar.
Despite being a virtual event this year owing to covid restrictions, Vinnie’s set a new donation record with $9.4 million raised nationally.
Chris pledged that the following year, he would be the first Vinnie’s CEO to raise over $250,000.
Mustafa brings to Reventon a decade’s experience of sales and business development. As a sales enthusiast he takes pride in delivering exceptional service to his clients. His unmatched devotion and market knowledge enables clients to make smart decisions about their future.
At Reventon, as the appointment setter, Mustafa invests his time and energy in designing strategies for coaching and training clients. He is also directly involved in negotiating with third parties to smoothen out the investment journey for the clients.
Outside of work, he loves spending time exploring ways to redesign areas of his home and hanging out with his mates.
Additional Qualifications:
Munira brings to Reventon her passion and enthusiasm for creating a memorable client experience. Her years of experience working in client support have enabled her to develop strong understanding of their challenges and desired outcomes.
At Reventon, Munira has an immaculate work ethic and takes the lead in designing processes to enable the clients and team members achieve the best outcome.
Her experience working in client relations combined with her ability to take initiative has enabled her to develop strong positioning in the team. Her passion for developing memorable client journey has raised the standard of client experience at Reventon.
Outside of work, Munira loves exploring nature trails and going on adventures to explore new places to visit and eat.
Additional Qualifications:
Bachelor’s in business – Currently studying
As an avid soccer player, Christos’s approach to client experience is no different. He is resilient in his approach to helping clients achieve their goals.
As a client relations officer, Christos works towards providing clients with all necessary information to enable them to achieve property goals. From the initial phone conversation, he has his heart in the client’s best interest.
As a team player, Christos ensures he is sharing his knowledge with the team.
Outside of work, Christos loves staying active and hanging out with his friends.
Additional Qualifications:
Pukh comes to Reventon with years of experience working in professional space. With a background qualification in Accounting, Pukh takes an analytical risk assessment approach to all client decisions. Her compassion and authenticity enables her to develop rapport with any teams or clients she works with.
At Reventon, Pukh operates at a sharp pace supporting a team of fast-paced mortgage brokers. Her ability to develop connections through problem solving have enabled her to be a binding support member. Team members and clients rely on her for support knowing that she can work through a resolution for any challenge they may have.
Outside of work, Pukh loves travelling, hanging out with her dog and spending time with friends and family.
Additional Qualifications:
Ada brings to Reventon years of experience in client relations from a diverse range of industries.
At Reventon, Ada ensures the clients get the most suitable advice in the least amount of time without much hassle. Her service knowledge combined with years of experience in client support enables her to deliver exceptional value.
Ada is an active listener and her strong attention to detail enables her to pick up on small things that add exceptional worth to the client’s lives. She goes above and beyond in helping clients achieve success.
Outside of work, Ada loves to hang out with her friends and enjoys exploring new food venues.
Additional Qualification
Lachie comes to Reventon with years of experience working in business development and senior management. He developed interest in the investment space during his first personal purchase of an investment property. He understands the challenges facing a new investor and uses his knowledge to help them navigate uncertain paths.
As a genuinely empathetic person, Lachie has a natural ability to understand clients’ needs and go the extra mile to help them achieve their property goals. The clients take pride in knowing he will serve in their best interest regardless of the outcome.
What separates Lachie from other BDM’s is his ability to navigate any unknown path with ease and comfort ensuring client’s trust in his abilities even further.
Lachie loves contributing to the local community. He works as a volunteer at local sports clubs.
Outside of work, he loves catching up with his mates for a beer, playing footie, cricket, and Golf.
Qualifications:
Julie comes to Reventon with almost a decade worth of experience in accounting. Her experience has enabled her to forecast changes in regulations and navigate unknown path with ease.
From processing end to end payroll to preparing business activity statements Julie has her skills sharpened in all areas of accounting.
Julie’s varied and in-depth knowledge and experience serves as a compass for providing clients with a holistic approach to the financial situation.
Outside of work, Julie loves spending time with the little one.
Additional Qualifications
Varsha brings to Reventon years of experience in marketing across a range of industries. After years of studying the fundamentals of marketing and working with start-ups, Varsha knows what truly drives conversions. As a naturally creative person, she has a unique ability to develop unicorn marketing strategies that enable the business to achieve performance.
At Reventon, Varsha continuously partners with the executives and managers to grow Reventon’s brand. She is a catalyst to marketing strategies and public relations, ensuring business is always taking the right steps in the right direction.
Outside of work, Varsha loves spending time with her partner and going on long walks on the beach.
Additional Qualifications:
Nathan comes to Reventon with years of experience in videography and photography space. At a very young age, Nathan started his career in videography travelling the world and finding home back in Melbourne, Australia. Over the course of his career, he has worked in a broad range of roles exposing him to all distinct aspects of business operations.
At Reventon, Nathan is the key communication and organization person responsible for designing and creating all videography and photography content. Nathan takes the time to understand the services and works directly with executives in designing messages that enable the business to stand out. In a very small period, he has proven his ability by building exceptional content.
Outside of work, Nathan loves to explore outdoor areas.
Additional Qualifications:
Kliment has years of experience working in different segments of the mortgage industry. His compassion, integrity and tenacity have enabled him to build strong rapport with clients over the years.
At Reventon, Kliment supports clients in their financing needs and goes the extra mile to resolve any challenges they face during their journey. His attention to detail and analytical risk assessment approach ensures the clients’ financial safety before anything.
Outside of work, Kliment likes to spend time under the sun with his mates.
He also loves to go camping and explore outdoor nature.
Additional Qualifications:
Thy comes to Reventon with years of experience and research in the specialized area of Finance and Mortgage Broking. As an experienced mortgage broking support officer.
At Reventon, Thy works directly with mortgage brokers in ensuring client applications are lodged and submitted in a timely manner. Thy understands the challenges that occur during mortgage broking process for clients and ensures her clients receive extra care and practical advice to make financially secure choices for a better future.
Her knowledge in the area combined with her candor and tenacity has seen her flourish in the role in a very brief time period.
Outside of work, Thy loves spending time with her dogs at the parks, cooking food and travelling with her family.
Additional Qualifications:
Rhianna is a breath of fresh air. She comes to Reventon with a diverse experience and a thorough understanding of personal finances. Her experience in financial hardship in banking sector has equipped her to resolve any challenges being faced by the clients while building strong rapport.
At Reventon, Rhianna assists a team of mortgage brokers with research and borrowing scenarios to ensure the best lending outcomes for the clients.
She takes pride in liaising with banks and clients to ensure smooth implementation of client applications, from the initial enquiry through to post settlement.
Her innate ability to develop lasting connections through problem solving techniques have enabled her to build a rapport with the team and client base in a very small period.
Outside of work, Rhianna loves spending time with her dog and exploring diverse food venues.
Additional Qualifications:
As a Certified Money Coach with a Post Graduate Diploma of Financial Planning, Nikki brings to Reventon years of research on the fundamentals of financial planning and money management. As a mum to 4 kids, Nikki understands the importance of developing financial protection for future generations.
At Reventon, Nikki takes a thorough approach in understanding client’s behavorial, systemetic and mindset challenges and works directly with clients in empowering them to make better lifestyle choices so they can progress towards their journey to building wealth through property and achieve a stress free retirement.
Nikki is constantly learning new processes, systems and techniques to ensure she is giving the right advice to the clients that serves them in their best interests.
As a lifelong learner, she continues to strengthen her skills and knowledge in financial market to ensure she is giving the most accurate advice to clients.
Outside of work, Nikki’s two favorite things are spending time in the garden and being with her kids.
QUALIFICATIONS
Olivia brings to Reventon years of experience in customer service and sales support. Her energy and enthusiasm is reflected in every client interaction and enables her to build lasting relationships with landlords and tenants.
At Reventon, Olivia ensures her portfolio of clients receive exceptional support during their journey with us. Her contagious energy amplified by her bright positive attitude ensures clients get the right support during difficult situations.
Outside of work, Olivia loves to spend time cooking, shopping, and hanging out with her friends.
George has been working in the property industry for almost a decade now. George’s ability to analyse and assess data and market trends enables him to propose strategies for clients that assist them with their long-term wealth creation goals.
At Reventon, George uses a transparent communication approach to advise and consult with clients. From understanding and empathising with the nerves of first home buyers to the confidence of serial investors, George understands the challenges and risks associated with each journey and ensures the clients are consulted with and advised on the appropriate approach based on their financial situation. He works in consultation with clients in helping them achieve their wealth creation goals. George’s years of experience in the property and business sector give him a competitive edge over other investment strategists.
Outside of work, George loves spending time with his family, hanging out with his mates and exploring new places
Additional Qualification:
Reventon’s specialised coaching program. Find out more information and register below!
Revmoney is a specialised, coaching program for clients who want to achieve financial freedom. We’re committed to helping you pay off your mortgage faster and worry less about money. We combine powerful mindset coaching with practical strategies so you can set clear financial goals and build clarity on what you’d like to achieve. With RevMoney you can develop a detailed roadmap to meet your goals and understand your current spending habits.
Some of the topics covered:
Reventon’s highly-experienced accounting team provides our clients with astute and technically sound advice that’s timely, practical and strategic.
Tax time can be daunting so leave the stress to us. Our team is across changing tax laws, and will actively identify and reduce your tax risks as well as establishing the best tax minimisation models for you.
As a small business you’ve got access to a range of concessions covering income tax, GST, PAYG, FBT and CGT. We make it our business to understand all of these and develop tax concession solutions that deliver maximum benefit to your small business.
Capital gains tax can be complicated. Working out how to carry losses forward or how to account for profits calls for expert help. As does general tax planning. Our expert team will ensure you maximise advantages from any asset sales and that your broader tax strategy delivers maximum benefit.
Whether it’s changes to the FBT rate, the non-profit capping threshold or salary sacrificing, our team will help you put the ‘benefit’ into fringe benefits tax.
Tax compliance and reporting regulations are onerous, time consuming and complex, with seemingly endless compliance issues and the constant threat of penalties. Our experienced accounting team can deal with these in an authoritative, cost-effective and timely manner, which allows you to get on with the business of business.
Australian state and territory revenue offices conduct countless audits and investigations every year to ensure employers are payroll-tax compliant. Our team of experts will keep you on the right side of tax laws, and away from nasty fines and audits by ensuring you include all liable wages, declare all fringe benefits, claim all your exemptions, lodge on time, and more.
At the end of every financial year everyone who worked for you must receive a payment summary showing what you paid and what you withheld. Let our capable, professional team take care of all your PAYG Summary Statements’ obligations to keep your operations 100% compliant.
We’ll help you meet all your federal government legislative and licensing requirements. Our industry experts will keep you compliant across the latest changes and developments to this ever-evolving area of legislation.
As a small-business owner you can spend hours every week dealing with BAS, which is valuable time you could have spent growing profits. Let our trusted bookkeepers and ATO-registered BAS agents handle your BAS hassles so you can just get on with business.
We value all our property management clients and enjoy a strong reputation for our excellent property management service
We will advertise your property as premium on realestate.com.au giving you top billing in your suburb with an eBrochure for every potential tenant. To get maximum exposure and deliver the most tenant applications possible. We also advertise on several other popular property sites.
In today’s highly competitive online rental market you only have a few seconds to grab a potential tenant’s attention, and every vacant week is a week’s lost rent. With our professional photos the first impression of your property is always a good one. And showing your property in its best light attracts a higher calibre of tenant.
We will make sure your property gets personalised attention. We run open for inspections with proven strategies that get the widest audience with minimal vacancy time. Our online booking system allows potential tenants to let us know if they want to book an inspection. We respond with a thank-you email or text with our application forms attached. We email all our owners with a report at the end of every open for inspection to keep them updated on developments.
A good tenant means you can sleep easy knowing the rent will get paid and your property will be well looked after. We will screen all your applicants for the best possible candidates, thoroughly check all references, and chase-up all the required documentation. We will also negotiate the rent and conditions.
We organise the collection and lodgment of the rental bond for your residential property with the Bond Authority in compliance with relevant legislation. No cheques are required as the Bond Autority withdraws the funds directly from our account and contacts the tenants to confirm their details.
Your ingoing and outgoing condition reports are crucial documents in the proper management of your property. Both reports protect your interests by meticulously detailing the cleanliness and state of repair of the property, all appliances, carpets, windows, light fittings and more. These reports and lots of photos are available on your Owners portal.
We ensure all tenants across all our rentals pay their rent every calendar month and we operate a stringent no tolerance for late rent policy. We also review your rent annually to ensure it is keeping-up with market value.
Let us take the stress out of property ownership by ensuring that small issues do not turn into big issues. We can arrange all rental property maintenance covering repairs, upgrades and minor renovations. All our tenants’ maintenance requests are lodged 24/7 via our maintenance application to be acknowledged and acted on quickly. Each alert is then sent straight to the owner for approval or rejection.
As per the Residential Tenancies Act 1997, we conduct two inspections a year for every property we manage, complete with photos and reports of each room showing the overall condition of the property. These reports ensure your investment is being well-kept and also lets us know if there are any issues we need to address.
Very occasionally, a tenancy does not run smoothly and disputes occur, rent falls into arrears or other issues arise. Our experienced team is well versed in the Residential Tenancies Act and can provide the right advice and guidance. This is generally enough to resolve any matter, and avoid the cost and hassle of a VCAT hearing and VCAT decisions. For matters that can not be resolved and have to go to VCAT, we can prepare all your documentation, provide professional advice and even represent you on the day.
If needed, we can help you prepare any insurance claims with VCAT documentation. We can also liaise with your insurer to maximise your reimbursement figure including for landlord insurance.
Due to the digital age and wanting information faster. we do not use post and only communicate by email, text or phone call. All our emails and texts are sent from a centralised area in our software. This allows us to respond quickly even if a team member is away or on holidays. And we always have a record of the day, date and time the information was sent. Owners and tenants can sign lease agreements, authority to manage, and owners instructions on their smart phone. With downloading or posting documents the process is quick, simple and keeps you up-to-date instantly. It also saves time in waiting for tenants to attend an appointment to sign documents. Our software allows us to pay your invoices, which are automatically uploaded to the owners portal. Owners who give portal access to their accountant can log on and complete tax forms without the need for a meeting.
Our finance experts will help you structure what you need and make the process for finance as hassle-free as possible
Whether it’s a car, boat, caravan or anything else, our asset finance division will help you with personal finance and business/commercial lending. They’ll help work out what you need, how much you can borrow and take the hassle out of all that paperwork.
The idea of budgets conjures up scary thoughts of groaning spreadsheets and grinding austerity. But it doesn’t have to be that way. A Reventon financial advisor can help you set up a personal budget so you can take that holiday, drive off in that new car or buy your first home, sooner rather than later.
A bad credit score significantly impacts your finance options because, to the average moneylender, you’re a credit risk. We’ll show you how to get your good credit rating back with tips like cutting up those credits cards, paying off select debtors and more.
Talk to us about the small, strategic changes you can make to better manage your home loan, reduce your interest and shorten the pay-back time.
SMSF home loans can be used to purchase property and secure your retirement. We’ll advise you on the most suitable structure and the best path forward, while securing you the most suitable, best-value loan.
Whether it’s a car, welding machine, truck, tractor or any other type of equipment, we will find you the best financing options to help get you and your business to where you want to be. And whether it’s for business or personal purposes, we can advise you on leasing, hire-purchase or equipment loans.
Maximise your returns with our carefully researched investment options. Whether you’re just beginning or an experienced investor, your licensed Reventon advisor will help find the right investment for you.
We engage experienced qualified professionals to conduct property inspections for all real estate purchases. These thorough inspections check for any defaults and quality of work to ensure that the property is compliant with the relevant building plans and specifications.
Let our licensed, highly-professional buyers advocates search, evaluate and negotiate the purchase of your next property. They will take the stress out of the buying process, advise you on what is the best property to buy and which suburb, and, finally, they will negotiate the best possible price for you.
We have access to the latest real estate sales and rental data, and extensive market knowledge allowing us to provide highly accurate property value appraisals of your home.
Drag the controller for your income and discover your take home pay and tax rates.
With the budget planner, you can log your incoming and outgoing expenses to keep track of your finances and set saving goals.
Enter the property’s value and state or territory to discover exactly which fees and charges you’ll be required to pay.
Enter your income details and spending habits to discover your borrowing-power on a future home loan.
Enter the details of your loan and discover how much you’ll be paying each month.
Alexa brings to Reventon almost over a decade worth of experience in property management across a range of roles. Her leadership experience in the past has enabled her to drive value in challenging situations.
As the team leader of property management team at Reventon, Alexa adds exceptional value to the landlord and tenants’ journey by ensuring the communication during their liaison process is kept smooth and transparent. She leads the team with grace and integrity and ensures they have the right support at all times. As a naturally compassionate person, her experience and skillset in people space has seen her grow tremendously over the years.
Alexa is passionate about her health and fitness. Outside of work, she loves training, cooking and hanging out with her friends.
Additional Qualifications:
Linda has two decades of experience working in property management and understands all the underlying challenges facing investors, homeowners and tenants occupying properties.
At Reventon, Linda ensures clients get the best possible care during their journey with us.
Her communication and natural ability to empathize with the clients enable her to excel in the role. Over the years, Linda’s contribution towards building and developing an exceptional client onboarding has seen her flourish in the role.
Additional Qualifications:
Bontu brings to Reventon years of experience in business development and client support. Her exposure in the property market across a range of roles has enabled her to develop a strong understanding of the client’s challenges during the purchase of their property.
At Reventon, Bontu works as the ambassador for client support holding their hands from the beginning of their journey till the end. She is passionate about making an impact on client lives and ensures they get the best advice and experience during their journey with us.
As a genuinely empathetic person, Bontu takes the extra time to understand the concerns and challenges facing clients and goes the extra mile to resolve them.
Bontu is always up for a challenge, and it almost seems like no task is too small or too big for her.
Outside of work, Bontu loves cooking and exploring foods from diverse cultures around the world.
Additional Qualifications:
Ed is a lifestyle sales enthusiast with a background in mortgage broking. His innate ability to develop deep connections with clients enable him to deliver on exceptional outcomes for clients.
At Reventon, Ed works directly with clients and referral partners in strengthening business relationships to provide better services for clients and ensure consistency in client excellence.
Ed has a very strong work ethic and goes the extra mile to achieve excellent results for the clients.
In a brief period of time, Ed has achieved major milestones and broken personal records.
Outside of work, Ed loves exploring outdoors, going for walks and spending time with his partners and mates.
Additional Qualification
Rishi is an experienced mortgage broker with years of experience in mortgage broking and credit assessment. His passion to understand his clients needs and goals together with his attention to detail enables him to deliver results for clients.
At Reventon, Rishi takes a keen and thorough approach at individual client’s financial circumstances and long-term goals. He assists in a wide range of loan requirements ranging from first home buyers through to high end investors. Rishi is knowledgeable in all forms of residential finance including home loans, first home buyer finance, refinancing and also investment property finance.
Outside work, Rishi loves spending time with his family and friends.
Additional Qualifications:
Dean is a key member of the team, directly supporting our clients to build their wealth. Working with Reventon since 2018, Dean helps clients to determine their financial capabilities, save on their mortgages, and release equity for investment. He is motivated by seeing people achieve their financial freedom.
Dean holds a Certificate IV in finance and mortgage broking, is a Licensed Credit Representative for Choice Aggregation, and a Finance Brokers Association of Australia member.
David has been in the finance industry since 2013. He started his journey with Reventon as a senior mortgage broker in 2017 and has become a core member of the team. His years of mortgage broking have enabled him to be a mentor to the rising stars in the team.
Dave has been in the finance and investment space for almost over 10 years. He
Dave always puts the clients’ interests first and ensures clients get the most advantage from any situation. He takes a conservative approach to assist his clients. Dave prides himself on open communication and commits to ongoing coaching by dedicating time to fully understand our clients’ needs to help them achieve their financial goals.
Family is very important for Dave. Outside of work, he mostly likes to spend his time camping and 4-wheel driving.
Additional qualifications:
Shayla is one of the oldest members of Reventon whose passion for creating a memorable client experience makes her very endearing to the team. She is a passionate, young team member who has captured the hearts of our clients through her eagerness to resolve problems and find creative solutions for them.
As a client services team member, Shayla takes great pride in ensuring the integrity and confidentiality of client data. She works tirelessly to ensure the clients are serviced at all stages during their journey with us.
Outside of work, Shayla loves to spend time with her family and little one. She loves doing BBQs and social hangouts with her friends.
Gary has over a decade of experience in the business and client advisory field. He is always focussed on understanding individual client needs and business goals. He develops strategies to help clients and businesses capitalise on opportunities by developing strong understanding of the individual needs and specific business targets. His years of experience in the industry have equipped him with the knowledge to deal with challenges facing individuals and businesses.
Gary offers a wide range of services to his clients which includes auditing financial statements, preparation and lodgment of tax returns tax returns, small business tax concessions solutions, Fringe benefits tax returns, auditing business accounting compliance and payroll tax compliance, preparing PAYG summary statements, superannuation compliance and business activity statements
At Reventon Gary brings his strong engagement and rapport building and defines customer experience at a whole new level by understanding clients intrinsic needs and financial goals.
Outside of work, Gary loves spending time with his family and exploring new food places.
Additional Qualification
Donna comes to Reventon with two decades of experience working in the property market. Her experience liaising with solicitors, buyers, sellers and conveyancers has enabled her to develop a strong understanding of the processes involved in a client journey.
At Reventon, Donna works as an ambassador to the clients ensuring they are given the best knowledge and support during their journey with us. She aims to ensure that the team is enabling the client to make informed decisions all through the phases of finance, design and construction. Her compassionate nature amplified by the need to ensure a smooth client experience develops exceptional client experience.
Outside of work, Donna loves spending time with her partner, little one and a fluff ball.
As an award-winning director and partner, Chris finds great pride in servicing clients in helping manage superfunds, risk management, managed funds and superannuation and designing growth strategies to help them achieve their long-term goals.
Recognised by Affinia and TAL as the rising star in the industry, Chris ensures his enthusiasm
Outside of work, Chris loves spending time with his family and friends. He enjoys motorbike rides across the city.
Additional Qualifications
Marcus comes to Reventon with years of experience in sales and marketing. As a true sales professional, he perceives buying and selling property to be one of the biggest decisions in client’s lives and takes pride in being a part of the driving process.
At Reventon, Marcus invests his time in understanding the key challenges and concerns facing his clients and goes the extra mile to ensure that the property decision is in their best interest. As the Sales Director, he nurtures high capability sales potential in the team and ensures their growth by continuously providing them challenging learning and growth opportunities.
He uses his knowledge and experience to assist clients to enable them to make smarter decisions and achieve their property pay off prices in record time and retire more comfortably.
Outside of work he loves spending time with his family, doing BBQ, skiing and exploring the wildlife.
Additional Qualifications:
John comes to Reventon with years of experience in strategy design and implementation. As an experienced property head, he has grown and developed large high performing teams and increased business growth tremendously by introducing process improvement and new technologies in large organizations.
At Reventon, John takes a keen interest in ensuring that the clients’ needs are being met at all levels. He is a strategic research analyst who is always on the lookout for better ways of doing business. His interest and contribution in process improvement has enabled him to build his position further in the leadership space by introducing groundbreaking technologies. His unique ability to build rapport with team members as well as clients has seen him grow in a very brief period.
Outside of work, John loves spending time with his mates, his lovely wife and two kids.
Additional Qualifications:
Lydia brings to Reventon years of experience in accounts, payroll, and administration. As an experienced accounting professional, Lydia understands the urgency of important matters and ensures accuracy in detail through her strong administrative background.
At Reventon, Lydia provides a strategic payroll support to the wider team while driving new initiatives and acting as the main point of contact for questions and support.
Her comprehensive experience has enabled her to develop high standards that have become a hallmark of the services provided by The Payroll and Accounts team.
Outside of work, Lydia loves cooking, baking and relaxing with her family.
Additional Qualifications:
Billie Christofi is a finance and property mentor who has rapidly grown her personal property portfolio over the years and achieved great success. Today, Billie uses her knowledge to enable women to achieve their financial freedom through investment.
As a co-founder of women and wealth Billie takes great pride in supporting women in their financial journey.
Penny brings to Reventon years of experience in IT sales. Her interest and experience working across a range of services has enabled her to develop a strong understanding of the business operations.
As the CFO, for Reventon Penny has been leveraging excellent investment strategies as well as careful marketing research in order to direct the company’s finances year after year. She is responsible for overseeing the budget across all departments and meeting with members of the executive team to determine the viability and cost of different projects.
Penny uses her vision and leadership of the business in order to determine the optimal strategies for financial investment in order to ensure company growth both in the short-term and long-term.
Outside of work, Penny loves to spend time with her grandkids at the beach or at the local parks.
Additional Qualifications:
Tim brings to Reventon two decades of experience working in property and finance in the global market. He is a soul surfer who loves travelling. Tim has been around the world exploring different continents and has worked with some of the biggest names in property in US, Europe, UAE and Asia.
At Reventon, Tim is passionate about enabling clients to achieve their financial goals through property. He takes a conservative approach in managing risk for the client and ensures they get the best return on their property.
As the COO, he uses his effective communication skills to bring transparency to executive decisions enabling them to achieve business excellence.
Outside of work, he likes to spend time playing basketball and exploring the outdoors.
Additional qualifications
Chris Christofi is the CEO and Founder at Reventon responsible for strategic direction, growth and performance of the business. Chris’s ambition and passion have been the fuel to helping him achieve success over the years. His relentlessness has enabled him to achieve major breakthroughs. As a lifelong learner, Chris never gives up and is always open to learning new ways of doing things.
CC started his journey in property at the age of 19. Over the years, Chris has traded some wealth for wisdom. During the course of his career, Chris has faced many challenges but has always been able to find an opportunity to learn and grow through them. His belief and undying passion for property has inspired people around him to reach their own dreams and life goals.
Wanting to pay forward what he learnt from years of investment in coaches, mentors and personal experiences, CC wrote what turned out to be the best-selling Amazon book ‘Your path to wealth’. The book was written with the sole purpose of educating people so they can develop the knowledge they need to build wealth through property with 100% of all money going towards charity. CC is the icon behind property wisdom
Chris has been featured in over 40 publications including Channel 7, 9News, REA, Domain, Financial Review and more.
Chris has won multiple awards during the course of his career including Young Entrepreneur of the Year Award, Best Salesperson of the year Award and many more.
CC actively engages in seminars, webinars and podcasts to educate people about the importance of starting their journey in investment early and enabling them to understand the importance of a trusted advisor who can help mitigate risks during the process for them.
Reventon
Chris has always been passionate about property and Reventon was designed for the purpose of sharing knowledge and creating wealth through property for a stress-free retirement.
As the founder of Reventon, Chris works as the strategic architect to the team. Chris has been able to build the business ground up from scratch into a fully integrated service operating under one roof. Under the leadership of CC, the team at Reventon transforms market data and knowledge into useful insight that enables clients to make informed decisions and progress towards stress free retirement.
Philanthropy:
Chris Christofi strongly believes in building people around him, whether that is within or outside his network.
As a passionate giver, he has taken the challenge to transform the landscape of homelessness by partnering with other members of Vinnies CEO Sleepout. Chris invests his time and energy in people, brands and communities that align with his values and vision. He has been a part of Vinnies CEO Sleepout for the past 4 years. During this time, he has raised almost $300,000. Along the journey, he has been appointed as Face of the campaign and Ambassador of the campaign.
His philanthopic vision took a new turn when he decided to build a house for the homeless and auction it with all proceeds from auction going towards St. Vincent De Paul to support homeless.
CC donates $500 from every Reventon property sales to St Vincent De Paul to support homeless and needy to ensure business is continuously supporting fellow human beings in the community.
Outside of work, Chris loves spending time with his gorgeous wife, partner in business and four kids.
Additional Qualifications:
