U1st Realty: Est & New Homes. Builder

The Team at U1st Realty in Collingwood Park, Ipswich will assist you to achieve your strategic Real Estate Property Goals. We are a Specialist Consulting Agency based in Ipswich (Greater Brisbane) assisting our clients with building, buying, selling, and renting properties to achieve their financial freedom and home ownership goals.

Ipswich Business & Property Investment Specialists - Build, Buy, or Sell Rental Homes

We can Teach you how to Structure Your Portfolio Safely with a Properly Instituted Property Ownership Plan!
We can Source & Supply Affordable Quality Reliable Property Investments that meet your Investment Criteria for You.
We can Source & Supply Proper Financial & Legal Ownership Structures to maximise your ROI and minimise your Risk.
We can Sell your current property for you - by giving you current insight into the local property market in order to make an informed selling decision.
We can Manage your property for you, to achieve a better than median average return on your investment and take the everyday stress of property rentals away.
We can Assist you when manufacturing growth through active property investing strategies like subdivision, development, and/or renovation. Manufactured options are a great way to fast track your portfolio's value by creating equity which can be leveraged to purchase your next investment property.

Whether you are an owner occupier, an investor, or a developer, all property buyers are not actually in the business of property, they are really in the business of finance - can you get the money to buy it, can you service the loan to keep it, & can you make enough money to profit from it when you sell it.

U1st Realty - We Put U First for All Things Real Estate - Build Buy Sell Invest Rent Renovate or Develop.

You can be confident that U1st Realty (Collingwood Park, Ipswich. Qld) can provide you with all the services that you need to make a successful transaction of buying or selling or renting or developing a property.

Buy Wholesale Packages or Build a Customised New Home With Us.

Whether you' are an Owner Occupier or Investor, our expert consultants are here to assist you to find your next property.

Your dream home or new granny flat is just one click away.

Browse from our hundreds of available new wholesale properties for sale direct from the developer or builder.

Need a Custom New Home - No worries.

When you engage us to act on your behalf, we can source suitable land, design a new home to your preferences, and package it all together for you - easy!

From suburb research to finance, signing contracts, and moving in; we can guide you through the entire new home buying and/or building journey. It can be a complex, nerve-wracking process requiring many decisions big and small along the way; but you don't need to panic: U1st Realty is here to make it easy for you.

U1st Realty Buyers Agency Service can help you find Cheap Brisbane and Ipswich Property deals.

Careful research and assessment of existing homes to buy improves the likelihood that your new home will be a good investment and suitable for your needs.

We Conduct preliminary market research that identifies what is available in the area/s that you can afford to buy and meets your needs.

Our professional service includes...

Choose a suburb or locality that suits your lifestyle and reduces transport dependence.
Compile a list of homes that best meets your wish list
A due diligence inspection on the homes you identify as possible homes to buy.

Land is a massive opportunity that most investors aren't paying attention to – and for the few land investors who know how to pursue this business with the right acquisition strategy, it's an extremely lucrative way to build wealth and financial freedom with real estate.

U1st Realty's consultancy arm assists buyers with with due diligence to select the right property for them.

However, buying or selling land at the best price is not always easy; as the competition becomes more and more aggressive. Both profesional land developers and home builders risk their chances of securing land at ideal locations within realistic price brackets or favourable terms without professional support.

U1st Realty is here to support you.

Selecting the right property manager is one of the most fundamental decisions you’ll make, and can make a huge difference not only to your overall returns, but also the enjoyment of your investment.

It is important to realise that together with the legislation comes a greater onus on owners and agents to follow the requirements of these ever changing laws or face fines and/or jail time.

With so much at stake, it is important to ensure that your property is professionally managed by a manager who is trained, experienced, and equipped to meet these ever changing needs.

It is essential you choose a reputable agency whom you trust when selecting the business as your partner to manage your property for you. It’s a big decision that creates a medium to long term working relationship and you need to feel comfortable with the company you’re dealing with. Rest assured, You get this in spades when you choose U1st Realty Property Management.

Escape the city with this tranquil oasis, hidden away oat the end of the Brisbane Rosewood Electric Commuter Rail Line. Handy both Cunningham & Warrego Highways for easy road access to Brisbane, Ipswich, Logan, Toowoomba or Gold Coast.

You Have Got To Be Kidding Me - Brand New Dual Key and only $429,000

Make Home Ownership Possible Again with this $429,000 Fixed Price (To Be Constructed Move-In Finish) Dual Home & Land Package

The Dual Dwelling provides the investor with two legally rentable units instead of one, which means that the property would normally be positively geared (will pay for itself) whilst accumulating a compounding capital growth rate.

Benefits:

For investors, the two rents ensure that your cashflow is positive.
For the owner occupier, the added dwelling brings in that extra income or provides a home for other family members.

Brand New To-Be-Built 4 Bedroom Home - $319,500 in an elevated Flood Free Country Location - where you can be in Toowoomba or Ipswich CBD in about 40 minutes or enjoying the Gold Coast beaches in about 90 minutes.

BONUS: for First Home Buyers - with all the essentials on your doorstep, like shops, hospital, childcare, schools for all ages, country markets, and many other community and sporting facilities you will never need to leave!

Brand New Built Homes suitable for SMSF, First Home Buyers, Investors and Owner Occupiers.

Better Results, Better Websites, Better Profits!

Ufirst Internet Marketing provides both online and offline marketing services for your business

Ufirst Internet Marketing provides digital & business solutions to micro, small, & medium-size businesses. From domain names, hosting, email plans, website design, and digital marketing - we can do it for you, and provide the tools your business will need for success and to improve your site's visibility and income earning potential.

Ufirst Internet Marketing can build customised Branding and Marketing websites for your business!

IMAGINE ... your Own Personal Domain Name, and Hosted Website with a customised Ufirst Internet Marketing website to introduce yourself to potential employers or to share information with your family members and friends.

BUSINESS FINANCE SPECIALISTS

Business finance options As your EZFinance business credit specialist can help you gain an understanding of your options and develop a sound financial plan on loan structures that suit you, low interest rates, tax effective structures, and a high level of service before committing to any expenditure.

Each lender has their own programs and their own requirements so our commercial specialists can also help you understand the differences between loan types and lenders, including related fees and charges. There are a range of business facilities available, depending on the type of business you own or are purchasing, and whether you are looking for finance for a new or an existing business.

$455,500 - BRAND NEW BUILT (Completed Move-in Ready) 4 Bed | 2 Bath | 190m2

375m2 Registered

With rent prices increasing rapidly you would be crazy to continue lining the pockets of your landlord. This property is positioned at the rock bottom end of today's property market and therefore represents real value. Now is your opportunity to establish yourself as a property owner and purchase your first home at a price you can afford and therefore you owe it to yourself to inspect this property today!!

$1,000 to hold

priced from... $180,000 (450m2)

The High Street estate has been created with home buyers in mind. This affluent area offers working couples, families and investors peace of mind. In this rare location, you can escape from the fast pace CBD and nestle in a tranquil place of your own. Perfectly situated between major motorways, Brassall gives flexibility to those who like to get up and go.

This large lot is suitable for young couples and families to build a brand new and modern home with low maintenance.

Secure your family home by enquiring about land in a brand new estate!

Hello my name is Jeffery (Jeff) Harlow, and I am the Principal / Licensee of U1st Realty based in Collingwood Park, Qld. My qualifications are as a Property Investor and rental property manager of some 25 years. My background is as a tradesman (Fitter) with various private and government companies.

Are you looking for a real estate agent with Integrity and honesty? Well look no further - U1st Realty is built upon a foundation of integrity and uprightness as we believe in having you as our client for life where possible (not just a once off sale).

The Team that I have built , all adhere to these qualities as well.

Based out of Ipswich and we primarily service the Greater South East Queensland area in particular, but we have property listings all around Australia in order to assist our valuable clients.

Our Business Motto is: - "Working With You, Works For Us!"

We believe that co-operation is what is really needed in the Real Estate industry, whether you are a Seller, a Buyer, or an another Agent. We will give you respect and integrity in our dealings with you.

More Information

Hello my name is Allan Pearson. I am the Senior Sales and Business Consultant for U1st Realty based from Collingwood Park, Qld. I started in Real Estate with Peter Kurts Real Estate (Browns Plains, Qld) in 1989.

My Qualifications include: • Bachelor of Social Science (Business, Law, Counselling, Theology). • Certificate IV in Property Services (Real Estate) • Certificate IV in Financial Services (Mortgage & Finance Broking) • Real Estate Consultant Certificate #4048199 • Business Consultant - Certificate in Business; Certificate in Business Planning and Small Business Management.

Cashflow Consultant - Personal and/or Business - We help people understand CASHFLOW and how important it is to the property investing process. This greatly assists people to Get Finance Ready.

Are you looking for a real estate agency with integrity and honesty? Well look no further - U1st Realty is built upon a foundation of integrity and uprightness as we believe in having you as our client for life where possible (not just a once off sale).

The Team that I work with, all adhere to these qualities as well.

Based out of my adopted hometown of Ipswich, we primarily service the Greater South East Queensland area in particular, but we have property listings all around Australia in order to assist our valuable clients - whether you are an Investor or an owner occupier or a tenant.

Our Business Motto is: - "Working With You, Works For Us!"

We believe that co-operation is what is really needed in the Real Estate industry, whether you are a Seller, a Buyer, or an another Agent. We will give you respect and integrity in our dealings with you.

More Information

U1st Realty's promotional sales marketing program is based upon where we as a business choose to spend our advertising dollars.

It can either go to large corporations like Realestate.com or Domain, or News Corp, or, we can choose to reward YOU as a supported sales promotional affiliate who will recommend us to your family, friends, work colleagues, sporting associates, or whomever.

Simply: we choose to reward our valued promotional sales affiliates for every referral, brought by the affiliate's promotional marketing efforts, and that referred person actually successfully purchases a property from us.

Join Our Promotional Affiliate Programme – It’s FREE to refer your family, friends, and associates to buy Affordable, Quality, Reliable Property Investments for Investors and Home Owners Alike!

Help Us Spread the Word – and We’ll Pay You as a Thank You on Every Settled Sale.

U1st Realty Collingwood Park, Ipswich Qld

Promotional Affiliate Programme – It’s FREE To Join!

Do You Want a Better Return on your Cash than what the bank will pay?

DHS says, "If you're a member of a couple and at least one of you get a pension. The first $85,000 of your combined financial assets has the deemed rate of 1.75% applied. Anything over $85,000 is deemed to earn 3.25%"

Therefore the Government says your $250,000 cash should be earning at least $6,850 pa or $131.73pw.

This property is earning $20,020 gross pa or $385pw. That is nearly 3 times as much as the Govertment DEEMs you need to earn from your cash!

Welcome to IR Homes "Where Quality Matters"

IR Homes: Wholesale Property & New Home Specialists IR Homes' motto: "Where Quality Matters!"

* IR Homes = Investor Ready Homes * IR Homes = Income Reliable Homes * IR Homes = Independent Rental Homes

Quality Wholesale Property Solutions - where we specialise in Fixed Price Turnkey Solutions - so you know when you sign our contracts - you know what the price will be! We do not want our clients to be surprised by nasty contract clauses that dramatically increase the price after you sign the contract.

We aim to be the destination for 1st home buyers, Owner Occupiers and Investors. We aim to build a reputation as one of Australia's most reliable, affordable and innovative new home builders, but that’s because we make the ownership journey easier.

Contact Jeff or Allan Today - we will be happy to show you examples of our new home products. Let us quote on or find you a home today!

IR Homes’ Granny Flats are built on either Surefoot Concrete Free Footings, steel piers, or screw piers. Depending on your location and zoning, different rules will apply depending on your intended usage for the granny flat, as you will need to lodge an application with council (IR Homes can help with this).

There are 2 steps that are REQUIRED to Arrange a Fixed-Price Building QUOTE.

1. Preliminary Costs - These are Site Specific Costs needed to be gathered BEFORE a Formal Building Contract can be written.

Needed:

* Town planning Pre-Assessment report: Includes site specific costings and fees required for this project

* Building Designer/Architect - Preliminary plans and after all reports detailed Construction plans and BA/DA Approval plans.

* Electrical and plumbing quoted on a site by site basis.

* Waste water report. You will need a special report done for council to show how you will manage your wastewater from your site. Allowances will need to be made for new connections or septic systems.

* Electrical connections. Electrical costs will vary depending on your requirements. If you are building a granny flat (secondary dwelling for relatives) you may be able to run the power off the main house. IF you are building a Secondary Dwelling - Investment) It will be more expensive as a switch board upgrade or new separate metering connection is required.

* Full Site survey and Geotechnical report. This includes a site map showing the slope of your site and a soil test. These are general build requirements that are reasonable straight forward to arrange.

* Engineer's Report: Footings , Wind Loadings, + structural sign off. Another general build requirement; all new building work needs to be signed off by a structural engineer.

* Energy Efficiency Report

* Private certifier fees. IR Homes need to engage a private certifier to obtain all the required building approvals for your project.

* Council fees. We will advise of this cost in the preliminary stage as this varies depending on area and build type. We advise that you talk to your local council as a first step, they can generally explain their fee structure first hand and can also advise on any local specific build requirements - that we must comply with.

* Compulsory Home Owners Building Insurance

2. Formal Contracts - Fixed Price Contracts.

* Once we have obtained all the necessary approvals, Total build costs will be Formalised and presented in a Fixed Price Building Contract - BEFORE You sign a Formal Building Contract. Once signed and Finance in place... THEN the actual build process can begin.

* All our builders are fully insured and licensed and will build your Granny Flat as a permanent habitable structure (class 1a).

Contact us today to organise a quote for your project today.

We Listen to You

We understand that everyone has different requirements and needs in a new home. At IR Homes we listen to what you need to make the home right for you, whether it be a wider driveway for an extra car, or a bigger kitchen to enable the family to gather without crowding you, or to design homes to suit disability access requirements, we can do it all.

We help clients from our local area, Australia, and all over the world. We believe building and/or buying a new home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Property spruikers and investment seminars

Finding Buyers for Targeted Property - Not Matching Suitable Property with the Buyers Investment Strategy

Property investment promoters, or spruikers, invite people to their ‘wealth creation’ seminars, often for free, with the promise of investment tips or opportunities. They typically promote a property investment system or market a specific property development.

The seminars are often promoted through letterbox pamphlets, on social media and by email. At the seminars the spruiker may urge you to buy investment courses or materials such as books, DVDs, one-on-one coaching, 12 month mentorships, etc.

Many property spruikers are motivated to gain money at your expense. Don’t risk your money and hard-earned assets because of their potentially-misleading advice.

Due Diligence is essential: get independent, professional advice from People who are actually qualified to give advice (not just someone who may have a piece of paper saying that they are legally allowed to give advice) before commiting yourself to making any investment.

Also be wary of joining real estate investment groups or insider investing clubs, many of which are full of investment property spruikers and marketeers who care more about collecting their fees than your financial well being!

Do you want to Know more about The Basics To Property Investing? Download & Read U1st Realty's Guide to the Business of Property Investing today; to answer some of the Who, What, Where, Why & How Questions.

Finding-An-Investment-Property Basics

In selecting an investment property it is critical that you follow a strict due diligence process to ensure an effective investment strategy. Condensed from a detailed checklist, investigations must include research into the following:

Location - Look at where people want to rent that is well located to surrounding infrastructure and facilities
Value for Money - Buy at or below current market value.
Infrastructure - Investigate current and planned infrastructure for the location you are considering
Rental Return - Minimum of a 4% gross yield
Design and Finishes - Consider whether design and finishes meet your prospective tenants demand (NOT what you want to live in personally)
Quality and Integrity of Developer/Builder - Investigate & Inspect past projects whenever possible

Hiring the Wrong Selling Agent for Your Property The most common and most dangerous way for an owner to hire a licenced real estate agency is based on an estimated sales price and the agent’s sales commission fee. This rarely works out well.

Owners basing their decision on these two factors alone are more likely to fall victim to an inflated price estimate. The agent gives little thought to achieving the best price or avoiding a poor digital footprint, and instead works, over a period of time, to educate the seller into reducing their price.

Hiring an agent based on their marketing and negotiation skills will always prove a sound investment. Good negotiation can mean a difference of tens of thousands of dollars. With the wrong agent, any fee is too expensive.

Example: An agent received a written offer from a buyer on an actual Contract of Sale. He then takes the contract and drops it at the owner’s front door with a note informing them to sign within half an hour and return it to his office. No effort, no skill, no seller assistance, and no sale. Was this agent worth their fee? No way!

Example: A property is listed for sale at $319,500, an offer is made by a prospective buyer a CASH unconditional offer at $260,000. The desparate seller accepted the offer on the recommendation of their agent. The buyer was interviewed later and asked why they didn’t pay more than the original offer, the buyer simply responded, ‘Nobody asked us to’. The seller lost $59,500 because the agent couldn’t be bothered going back and asking one simple question, ‘Will you pay any more?’ Was this agent worth their fee? No way.

NB: Hiring the wrong agent could mean a substantial financial loss all because you didn't want to pay the Best Agent's Commission Fee.

A Professional Sales Proposal Has to Make Cents, Before it Make Sense!

The Council Approved Dual Living Dwelling provides the investor with two rents instead of one, which means that the property would normally be positively geared (Positive geared properties are properties that generate more income than you have to pay in expenses, this is before you take tax savings into account). Our dual-living house and land packages are fully council approved for legal multiple residency letting. A fire rated dividing wall separates the living areas, and the extra soundproofing ensures the multi-occupant's privacy.

When viewed from the road this home appears to be a quality standard residential dwelling. It’s when you look at the floor plan that the dual living design becomes apparent. What appears to be one dwelling is actually two dwellings. There are minimal outgoings with only one set of rates and no body corporate fees.

Benefits:

For investors, the two rents help ensure that your cash flow is positive - i.e. You are not paying any shortfall in ownership costs out of your own pocket. For the owner-occupier, the added dwelling brings in that extra income or provides a home for other family members to live in.

Property Overview
Type:	Dual House & Land Package
Title:	Registered
Land:	$180,000 - 583m2
House:	$303,660 - 225m2
Total:	$483,660
Deposit	$1,000 to secure, 10% Land Value at Formal Approval
Rent Est.	$560 pw
ROI:	6.02%

Dual Occupancy Home & Land Packages - 2 Legally Rentable Homes on 1 Title

The Property: $483,660 4+1 Bed 2+1 Bath 1+1 Garage

Ipswich Invest - Essington Rise enjoys an elevated position which allows everyone to take advantage of the cooling breezes and views across the neighbourhood. The centre of the estate maintains an existing nature corridor incorporating native trees and vegetation with streetscaping also providing more greenery throughout.

Located just 3kms west of the Ipswich CBD, it is within an existing neighbourhood and established facilities. Enjoy the convenience of local amenities including, schools, shops, golf courses, sporting fields, nature reserves, parks and much more. The estate’s prime location allows easy access by car to the Warrego and Cunningham Highway.

Builder Inclusions:

900mm Appliances including gas cook top
All appliances are BEKO (European)
600mm x 600mm floor tiles throughout
Pendant lighting to the kitchen
LED downlights throughout
USB PowerPoint to Kitchen & Master
1200mm front feature door
Blinds and security screens to all windows and sliding doors
Plumbed fridge connection to fridge space
Shower niches to all bathrooms
Above basin mounted sinks
Sensor security lights to front of home
Aircon to master and main
Bulkheads in Kitchen
Quantity Survey / depreciation schedules for tax purposes
3 in 1 heat lamps / exhaust fans in bathrooms

$1,000 to secure; 10% of Land Value at formal approval as balance of the deposit.

Disclaimer: The above information provided may be subject to change and does not form part of an offer or contract. While every care has been taken in the preparation of information on this website and is accurate to the best of our knowledge at the time of publication, U1st Realty Pty Ltd accepts no responsibility or liability for changes, errors, or omissions. Photographs, illustrations, site plans and floor plans are for presentation purposes and are indicative only. Interested parties should not rely on it for their own circumstances, about which they should seek professional advice and make their own enquiries. All information is subject to change without notice.

The Council Approved Dual Living Dwelling provides the investor with two rents instead of one, which means that the property would normally be positively geared (Positive geared properties are properties that generate more income than you have to pay in expenses, this is before you take tax savings into account). Our dual-living house and land packages are fully council approved for legal multiple residency letting. A fire rated dividing wall separates the living areas, and the extra soundproofing ensures the multi-occupant's privacy.

When viewed from the road this home appears to be a quality standard residential dwelling. It’s when you look at the floor plan that the dual living design becomes apparent. What appears to be one dwelling is actually two dwellings. There are minimal outgoings with only one set of rates and no body corporate fees.

Benefits:

For investors, the two rents help ensure that your cash flow is positive - i.e. You are not paying any shortfall in ownership costs out of your own pocket. For the owner-occupier, the added dwelling brings in that extra income or provides a home for other family members to live in.

Property Overview
Type:	Dual House & Land Package
Title:	Registered
Land:	$139,100 - 510m2
House:	$289,900 - 205m2
Total:	$429,000
Deposit	$1,000 to secure, 10% Land Value at Formal Approval
Rent Est.	$500 -$550 pw combined
ROI:	6.06% - 6.66%

Dual Occupancy Home & Land Packages - 2 Legally Rentable Homes on 1 Title

The Property: $429,000 3+1 Bed 2+1 Bath 1+1 Garage

Ipswich Quality Real Estate Investments - Rosehaven Estate is located on Basset Lane, close to the central street of Rosewood. Rosehaven Estate allows its residents to become part of a relaxed country lifestyle in a picturesque township with the convenience of being located only...

15 minutes from Ipswich,
5 minutes from Amberley (RAAF BASE), and
50 minutes from Brisbane along the recently upgraded Warrego Highway or Cunningham Highway.

Rosehaven Estate provides owners and/or their tenants with contemporary living only minutes’ walk to the electric commuter rail, 3 schools, as well as Rosewood’s CBD and retail precinct, golf course, and the Amberley RAAF Base. RAAF Base Amberley is one of the largest employers in the Ipswich region. RAAF Base Amberley commenced operations in 1940 and is the largest operational base in the Air Force today. Over the next four years (from 2017), approximately $1.1 billion is expected to be injected into the base as part of the largest expansion project the facility has seen. There are expected to be up to 10 individual projects, consisting of the permanent transition of an army unit from Sydney and multiple key air force projects. "The base currently employs approximately 5,800 people, that number will increase to roughly 7,000 as it continues to grow. The expansion is also expected to provide a significant boost to the local economy through a marked increase in employment."

Builder Inclusions:

• Preparation and lodgement of Development Application including drafting of Architectural Plans and all applicable fees; • House plan design by a qualified architect, complying to a minimum 6 star energy efficiency rating; • Preparation and lodgement of Construction Certificate including drafting of Constructions Drawings and all applicable fees; • QBCC Construction Insurance; • Soil test; • Contour survey to house site; • Portable long service levy [as required by law]; • Comprehensive works insurance during construction; • Site preparation including bulk earthworks and sediment control

• Earth leakage circuit breaker [cuts power when a short is detected]; • Hardwired smoke detectors, audible alarms when smoke is detected; • Water tempering valves [reduces the chance of scalding]; • Non-return valves [stops contaminated water from re-entering the system]; • Scaffolding and edge protection during construction [as required] • Workplace health and safety notification and levy; • National Broadband Network Provision [NBN] if available to the Lot (connection not included); • Water, sewerage and power service connection; • 1 x meter box with sub board in main dwelling and 1 x sub board in auxiliary unit; • Twelve-month maintenance warranty from practical completion; • Six years structural warranty from practical completion.

• Pine frames and trusses – built to necessary wind load requirements; • Termite barriers to comply with Australian Standard AS3660; • Sarking to external walls [provides moisture barrier and insulation]; • Roof foil insulation under entire roof; • 2440mminternalceilingheight[unless otherwise specified]; • Quality aluminium windows and doors; • Fly screens to all windows and sliding doors; • Diamond grill security screen door to front door; • Obscure glass to bathroom/s, toilet/s and ensuite/s; • Standard window locks to all windows; • Powered double garage door with 2 x remote sensors; • 2 x Phone points in main dwelling, 1 x phone point in auxiliary dwelling [not including connection]; • 2 x Television co-axial points [Living room and Master bedroom (+ media room if applicable)] per dwelling; • 1 x Television aerial per dwelling; • 1 x Reverse split system air conditioner per dwelling to the living areas; • 1 x Reverse split system air conditioner to the Master bedroom of the main dwelling only; • 1 x Fold down wall-mounted clothesline per dwelling; • 1 x Freestanding letterbox per dwelling; • 2 x External garden taps per dwelling [1 x front and 1 x rear]; • 1 x hot water system per dwelling; • Light and power fittings throughout; • Interior and exterior builders house clean

• Quality turf to front, rear and sides of property exterior; • Front feature garden bed; • Fully enclosed pine fencing; • 1 x Pedestrian gate per dwelling [where applicable and subject to site width]; • 1 x Double gate to the 3 bedroom dwelling [where applicable and subject to site width; • Concrete driveway, path to entry and patio – finishes can vary at builder’s discretion and council requirements.

• Laminate finish to cabinetry; • Tiled splash-back; • Stonebenchtops; • Overhead wall cupboards where stated on plan. Painted bulkhead over wall cupboards; • 1 x Builder’s selection 600mm stainless steel range hood per dwelling; • 1 x Builder’s selection 600mm stainless steel oven per dwelling; • 1 x Builder’s selection 600mm stainless steel cook top per dwelling; • 1 x Builder’s selection stainless steel 1 3⁄4 bowl sink with one tap hole per dwelling; • Builder’s selection stainless steel mixer tap per dwelling; • 1 x Builder’s selection stainless steel dishwasher per dwelling.

$1,000 to secure; 10% of Land Value at formal approval as balance of the deposit.

Disclaimer: The above information provided may be subject to change and does not form part of an offer or contract. While every care has been taken in the preparation of information on this website and is accurate to the best of our knowledge at the time of publication, U1st Realty Pty Ltd accepts no responsibility or liability for changes, errors, or omissions. Photographs, illustrations, site plans and floor plans are for presentation purposes and are indicative only. Interested parties should not rely on it for their own circumstances, about which they should seek professional advice and make their own enquiries. All information is subject to change without notice.

The phrase "single-family home" is something you'll often see when browsing through real estate listings. A single-family home might seem easy to define: It's a home for a single family, right? Eh, not exactly. To be classified as a single-family home, there are requirements the property must meet.

What are those requirements? Let's take a look.

What is a single-family home?

The legal description for a single-family home is “a structure maintained and used as a single dwelling unit." So what does that mean exactly? A single dwelling unit will have these characteristics:

No common walls: A single-family home is a stand-alone, detached property, this means the home doesn't share common walls or a roof with any other dwelling.

Land: A single-family home has no shared property but is built on its own parcel of land.

Entrance and exit: A single-family home has its own private and direct access to a street or thoroughfare. This is as opposed to an apartment, which has hallways and a lobby that lead to street access.

Utilities: Only one set of utilities can service a single-family home—and may not be shared in any way with another residence. This applies to heating, electricity, water, or any other essential service.

One Household: A single-family home is built as the residence for one family, person, or one household.

Single kitchen: A single-family home has one kitchen. Adding a second kitchen will alter a home's zoning classification.

Property Overview
Type:	House & Land Package
Title:	Registered
Land:	$114,980 - 651m2
House:	$231,980 - 188m2
Total:	$346,960
Deposit	$1,000 to secure, 10% Land Value at Formal Approval; 5% Build Value at Land settlement
Rent Est.	$360 pw
ROI:	5.39%

Brand New Home & Land Package - Ipswich / Toowoomba Growth Area

The Property: $346,960 4 Bed 2 Bath 2 Living 2 Garage

The Bella Vista Heights Estate, located on the high side of Helidon, is strategically placed between the massive SE Qld boom areas of Ipswich and Toowoomba. This property is an ideal entry point for residential property investment. The continued economic and population growth in Queensland, and this area in particular, is already driving demand beyond supply.

Located just 106km (by road) west of Brisbane CBD

Easy 14 minute drive to Toowoomba CBD; Handy to new Toowoomba airport
15 minutes drive to Gatton via Placid Hills
70km to Ipswich CBD, General Hospital, etc

The grand old city of Toowoomba is just an easy 14 minutes drive up the range and offers a host of things to see and do. Not far from Helidon you'll also find wineries, historic homesteads, national parks and a host of scenic drives throughout the Lockyer Valley - An awesome spot to raise your family.

Builder Inclusions:

• Fixed site costs, no surprises • 2590mm raised ceiling height • 20mm manufactured stone bench top to kitchen, bathroom and ensuite • Quality stainless steel appliances • Reverse cycle split system air conditioner to living area • Carpeted and tiled throughout • Superior fittings and fixtures • Under-mount sink to kitchen • Floating vanities to bathroom and ensuite • Niches to bathroom and ensuite showers • Flyscreens to windows, security screens to external doors • Blinds throughout • Covered alfresco • Turfed and landscaped • Exposed aggregate concrete driveway and paths • Fully fenced • Clothesline & letterbox • 3 coat paint system • 6 star energy efficiency • Professionally selected external and internal colours and materials

LAND: $1,000 to secure, 10% Land Value on Formal Approval.

House: 5% Build Value on Land Settlement.

Disclaimer: The above information provided may be subject to change and does not form part of an offer or contract. While every care has been taken in the preparation of information on this website and is accurate to the best of our knowledge at the time of publication, U1st Realty Pty Ltd accepts no responsibility or liability for changes, errors, or omissions. Photographs, illustrations, site plans and floor plans are for presentation purposes and are indicative only. Interested parties should not rely on it for their own circumstances, about which they should seek professional advice and make their own enquiries. All information is subject to change without notice.

Maybe you started a business in order to sell it. Maybe you suddenly realized that selling it could be a good idea. And maybe, just maybe,you don’t want to get scalped when your business brokerage agent puts up the “for sale” sign. The question becomes, How do I sell my business for the biggest profit?

It’s a tough question to answer, because a business is a complicated item. If you’re selling a car, you’ll make sure it’s clean. If you’re selling a house, you’ll want to make sure it has some curb appeal and no major damages

But a business? What should you do in order to maximize profit from selling a business?

How do I sell my small business?

Make selling your small business easy with these seven steps to get your business in order BEFORE you decide to sell. The greater the price you want for your business, the more years of demonstrated and provable records are required.

Determine the value of your company.
Clean up your small business financials.
Prepare your exit strategy in advance.
Boost your sales.
Find a business sales agent - U1st Realty.
Pre-qualify your buyers.
Get business contracts in order.

The Team at U1st Realty Collingwood Park focuses on offering our customers a refreshing and honest approach to selling, buying or leasing business or real estate wheter commercial or residential. We pride ourselves on our ability to provide an exceptional level of service that will surprise you.

By investing the time to listen to our clients, we can develop the most effective strategy for marketing your business or property and therefore achieving the best possible results in the current marketplace.

We believe that communication is the key at every point through the client experience – whether it's the local market knowledge we provide, our marketing expertise, or our ability to negotiate the best result on behalf of our client. One of the things our clients value most about U1st Realty Collingwood Park is our open communication and straight-forward honest advice. It is a big part of the reason why people come back again and again for all of their property transactions.

By choosing U1st Realty Collingwood Park , you can be assured of the support of a driven, committed and dedicated team. With our extensive experience and understanding of the property market we will exceed your expectations.

You want to sell your business for a profit. Obviously.

But you’re not going to fool anyone. If your business is worth chicken feed, then no sane buyer is ever going to pay a premium price for it!

As eager as you are to take your earnings and retire in luxury, you have to be realistic about the TRUE WORTH of your business' value..

Here’s where you enter the bean-counting realm of business appraisers. A competent appraiser will be able to determine how much your business is worth and determine a realistic market price you can sell it for.

Don’t be scared of getting a business appraisal. Prospective buyers will either ask for one or order one themselves in the due diligence period; so you might as well have an INDEPENDENT VALUATION to show them. You’ll gain credibility by doing so.

What’s more, you’ll know personally if you’re in a good position to sell now.

If the prospect of selling looks financially abysmal, you can either...

lower your expectations, or
take a year or two to get the business profitability and sustainability into better condition, or
get outside professional coaching assistance to do a health check on your business, and recommend the changes necessary for a successful sale.

With real estate - location is everything. When selling your business, timing is everything.

Sadly, selling your business often only becomes an option for many owners when their business if facing bankruptcy, staring down legal challenges, or cannot stop hemorrhaging money.

Selling the business at a huge profit is completely out of the question. Your only prospective buyers will be specialists in distressed business purchasing, and they will be eager to wring every last cent of saving from the deal.

When is the magical “right moment” for selling?

It’s when your business is doing well. A business that is firing on all cylinders is when it is enormously appealing to investors. The better the business is doing at consistently making money, the higher the price you can sell it for.

Business buyers know that there’s going to be a learning curve as they acquire a new business. Investors realize that there will be some slow down as management changes hands. If you can prove that the business is operating like a well-oiled money-making machine, you’ll be able to sell at a wild price.

Take into consideration market conditions as well.

Is your industry in a bubble?
Are interest rates low or high?
Are consumers spendthrift or skittish?
The economic status is another critical factor in the timing of the sale.

It all depends on the when.

Any deal-sniffing cashed-up investor or legitimate business buyer is going to do something that anyone is going to do if they are considering a purchase.

They’re going to "Google" you and read the public reviews on your business!

Deals don’t start in a corporate conference room. Deals start when a prospective buyer sits in front of their computer and types in the search bar “Your Company Name.”

What are they going to see?

Thankfully, you get to control that. The better your brand looks online, the better you’ll be able to sell your brand to someone else.

Here are some of the features that will make your brand stand out:

Appearance - At a minimum, make sure you have an attractive logo, consistent branding, and a polished look. Your personal brand matters, too.
Visibillity - Does your brand even appear in a Google search? If not, it may be worth it to focus on your search rankings first.
Integrity - If the first thing that appears in the search results are scandal headlines, class action lawsuits, or scam reports, you have a problem on your hands. A brand that is attractive to buyers is a brand that possesses integrity.
A loyal following - Social accounts are a must-have, but the activity on those social accounts is just as important as having them. Are you posting regularly on the social media platforms like: Facebook, Twitter, LinkedIn, Pinterest, Google+, and Instagram. Buyers are purchasing your customer database, not just your office space and inventory. Make sure you can prove a loyal customer base to all your potential buyers.

What is your business really good at?
What is it that makes it attractive to prospective buyers?

Identify this trait, and maximise it.

Usually, a buyer will have a single reason for their interest in buying your business. Yes, they may say that it “fits the criteria,” or “there are a lot of attractive features,” but really, there’s one standout feature that makes it an ideal acquisition for them!

Your job: Find out what that feature is.

That single glistening selling point is going to depend a lot on the buyer. Every buyer comes to market with a set of specific goals. The more closely your business aligns with those goals, the more appealing it will be.

As a business owner, you have a responsibility to know the buying market, thereby gaining a greater understanding of what makes a for-sale business attractive.

Here are some particularly powerful generalised selling points:

You have a loyal and motivated team of employees.
You have an extremely valuable brand.
You possess a piece of unique technology or innovation.
You have a huge social media tribe.
You occupy an ideal niche in the marketplace.
You are located an ideal geographic location.
You have a stellar team of switched-on managers.
You possess good gross profit margins that will provide great cashflow and great aftertax profits.

The better you can direct attention to your favourable selling points, then greater the interest a buyer will have in your business and NOT in someone elses!

How many business owners do you know who need immediate access to cash funds?

They simply can’t wait the 6 – 8 weeks that a bank or traditional lender takes, as they urgently need to get their hands on between $20,000 up to $2m; They need these funds urgently, by tomorrow - yes - within 24 hours!

Plus, what if...

they have don’t have financial records, or
you have a bad credit history?

Then a short term business loan maybe the answer for them.

These loans are perfect for moving a business forward, or taking care of current issues such as tax debts, divorce or family demands, or overdue debts to suppliers.

A short term business loan has saved many property investors save their deposits and due diligence costs when a property deal sours because their traditional lender fails to provide the necessary funds by a crucial deadline date.

Do you NEED a Simple Process to qualify for a Business Loan, then...

Are you wondering whether or not you should own real estate for your business?

Well, here is a simple question to ask yourself: Is Buying better than Leasing for my business?

Cheaper Operating Cost Base: Are you working hard and giving away a big chunk of your profit to pay someone else's mortgage?
Security: if you buy your own property, you’ll have a more secure and permanent place for your business that can never be leased out from under you with a must-move clause. This removes any worry you may have about where to move to next every time the term of the lease ends.
Long-Term Wealth Creation: Owning a property is a long-term investment, while renting is a short-term fix. If you have a solid capital and your long-term plans for your business involve using the same commercial property, then buying is the better option. Buying your own property is a long-term investment which will pay for itself in time.
You Can Lease Out a Portion of the Property & Earn Rental Income: If you know you will remain in the same location long-term, then purchasing the property can be a good investment. This is particularly beneficial if you won’t need the entire building because you can lease out a portion, thereby earning rental income. You can use the income from your rent to help pay your mortgage.
You Can Design the Property as You Please: One of the major advantages of buying a property for your business is that you have full control over the property. You have the power to decide what needs to be done in terms of designing the property according to your business’ requirements and won’t need the landlord’s approval for this.
Your Mortgage Will Likely Be Lower Than Your Lease: If you have the cash for a deposit on a commercial property loan, and if you are planning to stay in the same location throughout your business’ lifetime, then buying a property is a great idea. Often, your mortgage will most likely be much lower than what your lease would cost you – plus you get to own the capital gains on the property you are paying for.

Focus on your business with a small business loan to cover one-off expenses or invest in your business. With a Small Business Loan you can spend more time focusing on your plans to grow your business and less time worrying about how you’ll fund them. We’ll help you make sure you never miss an opportunity again.

Apply in 10 minutes - easy

Grow your business and manage your cash flow with fast, easy access to finance. Get fast application and decision, total repayment amount detailed up front, and funding possible in 24 hours in some circumstances*.

Trusted by thousands of Australian small businesses.

Free to apply, no obligation to proceed.

All you need is:

Trading for at least 6 months
Minimum $5K/month revenue
Use for any business purpose

How it works

We use an advanced lending platform developed specifically for the Australian small business environment to evaluate the health of your business.

Our approval team will then advise you of the outcome of your application and the daily or weekly repayment schedule that best meets your needs.

*Lowest rate is 9.9% p.a. simple interest rate. Prospa uses a risk-based pricing model to determine applicable rates using factors such as industry, years in business, cash flow and creditworthiness. Rates for small business loans range from 9.9% to 26.5% p.a. simple interest rate. The lowest rate is only available to applicants with the strongest cash flows, business experience and credit ratings. A $10,000 12-month loan with a simple interest rate of 9.9% p.a. would have a total repayment amount of $10,990 and an Annual Percentage Rate of 17.5%. Approval is subject to credit assessment. Fees, terms and conditions apply. These rates apply to Prospa’s small business loan product only.

U1st Realty Privacy Policy

This document is our privacy policy and it tells you how we collect, use, disclose, retain and manage your personal information and how we comply with our obligations under the Privacy Act. By using our services and by using and continuing to use our Website you consent to us collecting, maintaining, using and disclosing your personal information in the way described in this Privacy Policy.

What personal information do we collect and why? Information we may collect is your name, mailing and street address, email address, telephone numbers, birth date, occupation, employment details, family details, financial information, insurance details, sensitive information, references, copies of photo identification and any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites or online presence, through our representatives or otherwise and information you provide to us through our office, surveys or visits by our representatives from time to time. We collect personal information to enable us to provide our Services which include providing appraisals of properties, acting as a real estate agent for the buying and selling of properties, leasing properties, and management of properties, advertising properties, provide your contact details to contractors who provide us with services, statistical purposes and promoting our business and services. We may not be able to provide the Service if we do not collect the personal information or if any of the personal information you provide is inaccurate or incomplete.

How do we collect personal information? We collect your personal information directly from you unless it is unreasonable or impracticable to do so. Collection of personal information from you or third parties may be collected in ways including:-  through your access and use of our website;  electronic communication channels;  email sent to us or other communication from third parties;  by telephone or letter;  social media;  during conversations between you and our representatives;  by contracting with us;  completing surveys or providing feedback;  by entering a competition or promotion or requesting information or material from us;  from our own records;  third party companies such as credit reporting agencies, law enforcement agencies and government entities;  your own representatives (solicitors, accountants, financial advisors etc);  your employer;  publicly available sources of information or any other organizations where you have given your consent If you supply personal information to us about another person, you represent, we will only accept on the basis that you are authorised to do so and that the relevant person has consented to the disclosure to us. Each time you visit our website our server collect some anonymous information, including the type of browser and system you are using, the address of the website you have come from and move to after your visit, the date and time of your visit and your server’s IP address. We may collect this information for statistical purposes to find out how our website is used and navigated, including the number of hits, the frequency and duration of visits and most popular session times. We may use this information to evaluate and improve the website’s performance. In some cases we may also collect your personal information through the use of cookies. A cookie is a piece of information that our web server may send to your machine when you visit our websites. The cookie is stored on your machine, but does not identify you or give us any information about your computer. A cookie helps to recognize you each time to visit the website and to co-ordinate your access to different pages on the website. With most internet browsers, you can erase cookies from your computer hard drive or you can set your browser so that your computer does not accept them. Any links on our website may take you outside our network. We are not responsible for third party sites and accept no responsibility for the content, accuracy, security or function of third party sites.

Considerations for when you send any information to us While we do all we can to protect your privacy, including investing in specialist security software, no data transfer over the internet is 100% secure. Any personal information or other information which you transmit to us online is transmitted at your own risk. If you provide personal information to us electronically, there are ways you can help maintain the security of the information. Some examples are:-  do not provide personal information by using a public computer  never disclose your user name and password to another person  always close your browser when you have finished your user session If at any time you believe your username or password has been comprised you should change your password and contact us immediately. This is your responsibility.

Disclosing your personal information The collection of data enables us to provide the best possible quality of customer service. We may disclose your personal information to third party suppliers, service providers locate in certain circumstances including:-  to provide services to you and to send communications requested by you;  if you agree to the disclosure;  when we use it for the purpose for which it was collected such as a leasing or sale process or in the provision of another Service;  to employees, contractors, service providers who assist us in operating our business and providing our Services;  to assess the performance of the website and to improve the operation of the website;  to provide your updated personal information to contractors or service providers;  where disclosure is required or permitted by law, rule, regulation lawful and binding determination, decision or direction of a regulator, or in co-operation with any governmental authority of any country  if disclosure will prevent or lessen a serious threat to one’s life or health;  to update our records and keep your contact details up to date  to process and respond to any complaint made by you  any organisation for any authorised purpose with your express consent Your personal information will not be sold, rented or disclosed other than as described in this Privacy Policy.

Direct marketing and opting out We do not use sensitive information for marketing purposes. We may send you direct marketing communications and information about our products and services that we consider may be of interest to you. These communications may be sent in various forms, including mail, SMS and email, in accordance with applicable marketing laws. If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. If you no longer wish to receive any additional marketing material from us or do not want your information disclosed for direct marketing purposes, contact us and we will remove your details from our marketing database.

How your information is stored We take reasonable steps to securely store personal details and information. This includes electronic and physical security measures, use of password protection software and staff training. We may retain personal information for as long as is necessary to comply with any applicable law, for the prevention of fraud, insurance and government purposes, information technology backup, for the collections of any monies owed and to resolve disputes. When the personal information that we collect is no longer required, we will remove the personal information as soon as possible.

How you can update and correct your personal information You may request access to any personal information we hold about you at any time by contacting us detailed below. This would be provided at no cost. There may be circumstances we cannot grant you access to the personal information we hold under the Privacy Act or other law for the information to be withheld. You should contact us immediately if you believe the personal information we hold about you is incorrect so the details may be amended, or someone has gained access to your personal information.

What is the process for complaining about a breach of privacy? If you believe that your privacy has been breached, please contact us as detailed below and provide written details of the incident so that we can investigate further. The complaint will be dealt with as per our Complaints Handling Procedure.

Contacting Us If you have any questions about this privacy policy, any concerns or a complaint regarding the treatment of your privacy or a possible breach of your privacy, please us our Contact Us link on our website, Your requests and complaints will be strictly confidential. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in a timely and appropriate manner.

Changes to our privacy policy We may change our privacy policy from time to time. You should review our privacy policy each time you visit our website or provide us with personal information.

Invest or Occupy

4 Bedroom Homes for sale:

Warner (Brisbane North) - 4 Bed 2 Bath DLUG Established Home in quiet family orientated area with everything you need close by which is fantastic! Woolies, Day Care, Excellent Restaurants, Doctor, Dentist, Pathology, Vet, Chemist - just to name a few.

Plenty of great parks for the kids to get out of the house, and it is a safe and very friendly area!

INVESTORS - take note as currently there is a fantastic tenant in place currently paying $430 per week. Current lease runs until July 2019 (Tenants advise that they want to stay on as a long term tenant) for your peace of mind.

Owners Keen to Sell so call Allan on 0418 66 11 25 to arrange your private inspection time now.

NB: Prospective Buyers please note as the property is tenanted; then a minimum 24 hrs notice is needed to arrange your private inspection.

Features:

Building Area : 172.82 M²
Land Area : 454.00 M²
Bedrooms : 4
Bathrooms : 2
Ensuite : 1
Toilet : 2
Living Area : 1
Garages : 2
DishWasher, Built-InRobes, Split System Airconditioning, Courtyard, Outdoor Alfresco Entertainment area, Fully Fenced, Landscaped.

As an owner or investor you want to achieve the maximum amount possible in the current market; but how do you know what price to rent your property at?

At U1st Realty our team works extremely hard to deliver an all-inclusive set-and-forget experience for property investors, and also to tenants.

With a strong reputation for exceeding the expectations of our clients, we believe that property management is should be tailored to the individual needs of each person whether owner or tenant.

At U1st Realty - Working With You, Works For us!

Welcome! Are you new to property investment? Perhaps you are considering purchasing a property to rent out. So where do you even start???

Our Trusted Advisors - RedCap Consulting specialises in establishing your Property Investing businesses for Success- correct ownership structures, financing strategies, and cashflow & capital growth techniques to improve ROI.

At U1st Realty: (as investors ourselves) We aim to be your LONG-TERM Partner in managing your property investment for you on a day to day basi.

A home loan deal that saves your neighbour money might not be the most appropriate deal for you. That’s why the experience of our lending specialists really make a difference.

An EZ Finance Lending specialist will identify your specific borrowing requirements, then use our Finance software platform to compare hundreds of home loans against those requirements. An hour invested with an EZ Finance Lending specialist could save you thousands of $$ in the long run. From the moment you choose a mortgage, your EZ Finance Lending specialist will walk you through the entire home loan process, from application, to settlement, and beyond. They’ll also show you where to sign and explain exactly what you’re signing.

When you work out which is the best loan options for your situation, all you need then is to find the right bank or Lender which has the best interest rate, lowest fees, convenient locations with perhaps internet access!

The list goes on and on; but that is where EZ Finance can help you through the maze, - quickly and "EZ".

Securing finance for your new car through the dealership is easy. Produce your driver’s license and a few other documents and, before you know it, you’re behind the wheel of your new car.

But not so fast.

Most of us don’t have a spare $20, $30, or $50,000 lying around to spend on our new car, so we need to get finance.

But...

to prevent a severe case of buyer’s remorse; we take a closer look at the reasons why you should arrive at the dealership/caryard with pre-arranged finance with your broker.

Commercial and Busines loans are quite specialised and perhaps can be even harder to get as the banks and lenders have really tightened up their policies to reduce their risk exposure.

The GOOD news is, that many other NEW players are coming into the commercial finance space every week with their own different set of guidelines which may be more suitable to MEETING your needs. Contact RedCap Finance Brokers - Your EZ Finance business advisor today to see how we may secure finance for your situation!

Business finance options

Secured business and commercial loans
Unsecured business and commercial loans
Overdraft
Property development finance
Business loans / Line of credit / Term loans
Cash flow finance
Hire Purchase
Chattel mortgage
Short-term business loans
Leasing finance
Buying or Selling a Business

Money Management and Protecting Your Credit Score can be difficult.

There are lots of opinions on how to manage your money and credit profile successfully, but sifting through all that can be a challenge, however here are some tips that may assist you further.

Credit scores help lenders decide if they should lend money to you. Knowing your credit score can help you to negotiate a better deal with your bank or find an alternative lender that will reward your good credit history.

Improving your credit rating starts with looking at your current financial situation and looking for ways to improve it.

FAQ's - we have put together some of the most commonly asked queries. Of course, these are general answers, which don’t take into account your specific circumstances and should not be taken as financial advice.

Tips to follow BEFORE applying for finance

Keep your credit inquiries to the very minimum (yes that includes Mobile phone accounts, car loans, credit card, etc). Most lenders will decline loans after 3 inquiries; they don’t like to see a busy credit file.
Do not withdraw cash from a premises that has poker machines, it is far better to withdraw cash from your grocery store or your bank's atm.
Always make sure you supply the correct information (including any current credit - store cards, credit cards, personal loans, etc).
Normally lenders will want a full profile of the applicant. Details they want to peruse are the current and last 2 full tax reporting years income, last 2 payslips (full details - not a summary), and employment history, your last 5 years place of residence history, original or certified copy of your current drivers licence details, date of birth, and proof of current address. However, some of these things will only be required at sign up once the loan has been approved. Failure to provide them could result in the finance approval process not proceeding until these details are provided.
It always helps to apply for finance before changing your job, or residence, or birh of a child, and not after.

Tips about defaults

Q: If I have defaults on my credit file does this mean I won’t get a loan?

A: The short answer is NO – but it does make it harder to get and limits the number of lenders that we can approach.

It will depend on how many defaults and with whom (i.e. utility defaults or finance company defaults).
How long you have been in your residence is also relevant (as finance companies dislike instability). In the eyes of the lender, instability can lead to defaults. If you do change address always notify the lender, phone company and public utility etc. as this will help to ensure you don’t miss bills and will alleviate problems down the line.
Once a default is on your credit file it will stay there for at least five years whether it is paid or unpaid. If you have defaults on your credit file you should pay those as soon as possible, lenders like to see that where there was a mistake or problem you fixed it quickly.

Q: Can I get a loan if I’m bankrupt?

You may be able to get a loan if you are a discharged bankrupt or even if you are currently bankrupt. Keep in mind you will be more limited in terms of the lenders you have to choose from and the fees and rates will also be considerably higher on bankrupt loans. You may also be required to attach an asset as security or apply with a guarantor. Find out about your loan options below and see what you might be eligible for.

Before you apply for a loan while bankrupt…

As your assets and income may have been severely effected by bankruptcy, deciding whether or not you can afford the repayments is an important consideration. What will your repayments be and how will they work with your budget?
Applying for a loan when you’re in any challenging financial situation isn’t a decision that should be taken lightly. This is especially true when you are bankrupt. Consider why you are taking out the loan and if there is any other way you can pay for what you need. Do you have approval from your bankruptcy trustee?
Speaking to a free financial counsellor might be an option for you to consider before you apply for any financial product. You can give one a call on the National Debt Helpline 1800 007 007 who will put you in contact with a counsellor in your area.

Tips about loan repayments

If at any stage you have trouble paying your loan always keep the finance company informed. Good communication makes a difference. Discuss the matter with the finance company and they may be able to help, for example by extending the loan, lowering the repayments or offering you other terms to assist you with your current hardship. Lenders are real people too, and they do not like to hassle their clients unnecessarily - as they want these people to be ongoing customers.

Tips for a Good Credit Rating

Always pay your loan on or before the due date. If you have a credit card with a limit of $500 and it’s due on Monday and you pay it on the following Thursday (because that’s when you get paid) that will give you a bad credit rating – so always make sure make your payments on time. If you are renting and continually paying your rent after the due date - you will get a BAD rental record which can effect your ability to rent a home. Most people do not realise that a great rental record can be used by some home loan lenders to substantiate a "genuine" savings record. A loan or rental record should run for at least 12 months to establish a sound loan on-or-before-time repayment history. If you combine these factors you will be well on the way to having and/or maintaining a good credit score.

At RedCap Finance Brokers (EZ Finance) we aim to get you the most competitive loan based on your personal circumstances and financial behavior from our panel of lenders.

BUYING A CAR, TRUCK, FORKLIFT, EXCAVATOR, BOAT, JETSKI, OR AIRPLANE?

GET YOUR FINANCE PRE-APPROVED Securing finance for your new VEHICLE through the dealership is easy. Produce your driver’s license and a few other documents and, before you know it, you’re behind the wheel of your new car.

But not so fast.

In the year to November 2018, Australians borrowed $8.1 billion to buy vehicles. That means “more than $1.4 million in interest is paid back on these new cars every single day. That’s around the same value as 39 new cars,” says Graham Cooke from the comparison site Finder.

Most of us don’t have a spare $30,000 lying around to pay for our new vehicle, so we need to secure finance. But to prevent a severe case of buyer’s remorse, we must take a closer look at the reasons why you should arrive at the car yard with pre-arranged finance with your broker.

1. BARGAINING POWER

Walking into a car yard is not a fair fight. While you might purchase a car every five years, salespeople practice their selling techniques every day. Therefore, it’s important to go in knowing what you want before you step onto the lot.

Do your research. Set and stick to your price point. Know the recommended price and pre-plan your insurance and finance options. Going in with your money pre-arranged gives you greater bargaining power. With preapproval, you effectively become a cash buyer and there is no need to deal with the finance department.

Car sales is a study in human motivational psychology. There is the pressure to buy now – the so-called ‘impending event’ strategy that will convince you that the deal will disappear quickly.

2. ROLL UP, ROLL UP, GET YOUR (insert... Bundled package) HERE!

Pre-arranging finance helps you to avoid a much bigger problem – getting sucked into a bundle of costly extras that makes a lot of money for the dealer.

Both ASIC and the Royal Commission have been critical of the high-pressure sales tactics in car yards that force consumers to quickly make a decision on rolling up a range of products into one single finance deal including the car, the costs of the finance and insurances.

The Royal Commission has recommended a pause in the sales model so that insurance can only be offered at a different time to the sale of the car. A particularly nasty practice was so-called ‘flex commissions’ where car yards were able to inflate the interest rate above that offered by the lender and were rewarded a handsome commission for their efforts. ASIC banned the practice in November 2016.

3. LEGAL AND REGULATORY REQUIREMENTS

Smoke and mirrors are smoke and mirrors; there is still the issue of conflict of interest in the area of the financing of cars, when the dealer is directly remunerated by the lender.

Having your finance pre-arranged means being able to tyre-kick at your leisure - without the high-pressure tactics to get you into a finance package – one that serves the commission structure of the dealer over your needs and personal budget.

4. COSTS

Cars cost money to buy and run. There’s interest on any finance, insurance, registration, and maintenance. The key to making a good purchase is being prepared, and pre-approved. This will help you get the best deal and allow you to enjoy your new wheels.

	FAST BUSINESS LOANS	Documents Required
Loan Term	1-6 Months Costs / Interest, Establishment & Legal fees CAPITALISED for the term of the loan	- Rates Notice for nominated Security Property/ies
Loan Amount	$20k - $2million Higher Amounts available	- Valid Photo ID
Facility Type	CAVEAT / SECOND MORTGAGE and First Mortgages too	- Last 6 months Home Loan Statements
LVR	Up to 75% RESIDENTIAL Up to 70% Commercial / Vacant Land

U1stRealty.com.au

Collingwood Park, Ipswich. Qld

U1st Realty Pty Ltd. Collingwood Park, Ipswich. Qld.

You Can Build, Buy, Sell, Rent, Manage, or Invest with Confidence!

Qld Real Estate Property Investing Made Easy

BUILD . BUY . SELL . RENT . INVEST . RENOVATE

U1st Realty: South East Queensland Property Specialists

New Build Homes & Granny Flats

Best Cheap Home Deals

Vacant Land Sales and Development Opportunities

Ipswich, Qld Best Property Management

Featured Properties - Invest Ipswich

DUAL Occupancy Homes

New Dual Key Home For Sale

4 Bedroom Home & Land Packages

New Property For Sale

Complementary Business Services

What Our Clients Say About Us

Experience for yourself what your neighbours have been talking about.

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

Ufirst Realty Listings

New Homes - with Turnkey Fixed Price Contracts (No Nasty Surprises)

L20 / 81 Brentford Street RICHLANDS

L24 Cherish Street Ripley - Built.

L11/ 62 Tiger Street WEST IPSWICH

L38 Banksia Heights Estate REDBANK

Established Homes

1 Braeridge Drive BUNDAMBA

1 Lindsay Street BUNDAMBA

24 Timms Circuit WARNER

35 Bird Street BUNDAMBA

Vacant Land Sales (Yes we can Build a Home for you as well)

High Street Estate BRASSALL

Lot 11 / 62 Tiger Street WEST IPSWICH

Lot 61 Woodlands Estate COLLINGWOOD PARK Qld

81 Brentford Road RICHLANDS

Experience for yourself what your neighbours have been talking about

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

About U1st Realty

Working With You, Works For Us!

Jeff Harlow

Allan Pearson

Experience for yourself what your neighbours have been talking about

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

REFER & EARN

U1st Realty Affiliate Marketing

Become a U1st Realty Sales Promotional Affiliate

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

U1st Realty Best Deals

Vacant Land Sales

FLOOD-FREE Buildable Sites from $167,000

Dual Occupancy Homes - Great ROI

Positive Cashflow Property

BEST Deal: Rosewood $429,000 (3+1 Bed Dual Key Home) + FREE BONUS UPGRADE OFFER

8% Rent - Great Income Earner

$250,000 with a current $385pw Lease

IR Homes - Granny Flats & New Homes

Let Us Know Your Budget - We Can Work With You.

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

IR HOMES

New Home Builder & Granny Flat Builder, Wholesale Property Sales

Our New Build Offerings Include:

Granny Flats

New Homes

Dual Occupancy Homes

Sample Designs

Granny Flats

New Homes

Dual Occupancy Homes

IR Homes Granny Flat Build Process

We are ready to help you with your project!

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

U1st Realty - Ipswich's Best Real Estate Agency

Beware of Property Spruikers and Investment Property Marketeers.

Do You Want To Be A Property Investor?

Sales Commission Fee is The Worst Way to Select Your Selling Agent

Collingwood Park Real Estate Agents | Invest Ipswich | Houses for Sale | Houses for Rent | Positive Cashflow Property

Greater Brisbane, Ipswich & Regional Real Estate For Sale

Dual Occupancy | Dual Key | Duplex | Dual Living Homes

Ipswich Real Estate Investments - Dual Key Homes For Sale

**What should you do in order to Maximize Your Sales Price when selling your business?**