How to ensure a Successful Investment Deal? – Tips for High Net Worth Investors

Australia’s efficient Torrens Title security registration system provides security for both High Net Worth Investors (HNI) buying real estate and for finance providers that provide the funding structure. This creates a highly efficient commercial environment for High Net Worth Investors looking at buying and financing real estate property investments.

It is still very evident today that Australian house prices are among the highest in the world on a range of different measures. So, if you are a High Net Worth Investor and you are looking at owning investment flats or buying retail or commercial properties, then building a property portfolio with real estate property investments should help you to achieve your financial goals.

Property Investment Portfolio and Purchase Costs

Many mortgage brokers, lenders and banks do not have the required comprehensive knowledge about all the types of funding structures required by High Net Worth Investors who are looking at buying real estate property, and in particular if you are also looking at financing the arrangement under a trust structure. So, you should take time to seek expert advice from a professionally qualified finance broker as he/she can help you “structure your property investment finance” and create an investment portfolio. To help you during the decision process, here is a list of things to consider and which you should discuss with your finance broker:

Borrowing Power – To help you determine the amount of debt you can take on, your finance broker should be able to determine the extent of your borrowing power (i.e. ascertain how much you can borrow?).

Loan Comparisons – To help you make simple loan comparisons, your finance broker should provide you with a list of finance products and options.

Rental Income – Your finance broker should discuss how rental income can cover the total costs of your investment property.

Purchase Costs – You should consider some of the typical purchase costs, such as loan establishment fees, conveyancing costs and stamp duty. Lenders Mortgage Insurance (LMI) premium can also be payable if the total amount you are borrowing is more than 80% of the total security value of your property.

Property Investment Strategy – To devise a suitable optimum property investment strategy, your finance broker should understand your financial position by working closely with your accountant and solicitor.

Loans Under Trust – Your finance broker should be able to help you in choosing the best trust loan option.

Useful Tips

So, now you know how choosing an experienced and professionally qualified finance broker can help you to create a successful and highly efficient funding structure. Here are some useful tips to also consider:

Taxation and Legal – Speak to your accountant and solicitor to take advice regarding:

>> Financing under a trust structure as trusts can provide advantages like asset protection and tax benefits

>> The benefits of negatively gearing your real estate investment property

>> The range of property investment tax deductions you may be able to claim

Personal Income and Expenses Budget – To enable you to determine the extent of your financial situation, establish a budget of all of your income as well as working out all of your expenses.

Find a Suitable Property – Have a clear idea of the type of real estate property you want to buy and its location.

Pre-Approved Finance – Discuss the possibilities of pre-approved finance with your broker because pre-approved finance gives you the assurance of credit.

So, if you are a High Net Worth Investor, keep these tips in mind because they will ensure a successful investment property deal.

Best Adventure Holidays in India

Adventure travel in India is growing at a rapid pace. There are several destinations in every state offer different adventure sports activities in summer or/and winter. So, you can enjoy the thrill and excitement of adventure sports right in India. Whether you have just a weekend or a two-week leisure holiday to plan and enjoy, domestic travel destinations would not disappoint you. The natural beauty of Indian mountains, valleys, plateaus, beaches and rivers create burst of breathtaking experiences for adventurers and thrill seekers.

Winter sports:

Domestic travel destinations are not as well known as the international destinations as they have better awareness, infrastructure, training and support for the winter sports like ice skating, snowboarding and skiing. Yet, Himalayan charm of snow clad mountains is exhilarating for amateurs and professionals. Gulmarg and Ladakh are winter treks, skiing and snowboarding. The popularity of ice hockey and ice skating in Ladakh is rising with all the international attention coming its way.

Water sports:

White River Rafting is very popular in several states. Yet, the most popular destinations are Lidder River in Pahalgam, Ganges river in Rishikesh, Sind River in Ladakh, Brahmaputra River in Arunachal Pradesh and River Barapole in Karnataka. If you are into parasailing, paragliding, motorboat riding, snorkeling, canoeing and kayaking, then the most popular beaches are in Goa, Kerala and Maharashtra. But, the best scuba diving destination in India is Andaman Islands.

Land sports:

Though, there is zorbing, bungee jumping and mountain biking available India, most thrill seekers enjoy a trekking, rappelling, hiking and rock climbing. There are several group tour packages for trekking in Himalayas and Western Ghats. These mountains touch almost most all states in India, where trekking and rappelling is enjoyed as a great weekend activity. As a country blessed with forts, mountains and summits, India has several group tour packages for week long trekking excursions in Himalayas, camping in forests, wild life safaris in national parks and sand dune safaris in Rajasthan.

Though, sky diving is relatively popular, the heart of adventure in India is enjoying the natural beauty in spite of obvious lack of adventure infrastructure. Ice rinks in Shimla and Dehradun are not enough for all the true passion we have for ice skating. The homestays in North East Indian villages are not enough for true travellers seeking the simplicity and harmony of village life. But, the youth and adventure travel industry is getting better with each passing day. So, let’s make it happen.

What Does Luxury Travel Mean?

Honestly, luxury travel is a variable concept. There seems to be industry standards widely talked about. But, luxury travel packages don’t imply the most expensive holiday available. Luxury implies exquisite experience, which has more value that the cost implied. Agreeably, these luxury experiences are not cheap. But, as a domestic or international holiday, it could fit in a little over conservative costs, if you know what to look for.

Transportation

It would imply that luxury travellers should use the fastest and most convenient mode of transport. In 90% of cases, we are referring to flight, which would make your trip much more expensive. But, wouldn’t a cruise be a better way to see Singapore, Dubai or Mediterranean region? Doesn’t glacier express take you through most scenic route in Switzerland? Who would have thought that luxury trains offer much more rewarding experience of Karnataka, Rajasthan and Maharashtra than a 5-star hotel stay in the state? Aerial tours are best additions to most sightseeing tours for a reason. It is visually stimulating and invigorating travel experience indeed.

Sightseeing

There are trips where sightseeing bus passes by the Louvre. What’s fun in that? It may not cost much to enter this or any sightseeing attraction. Yet, the understanding of art, artist and the periodic era is what makes it an emotionally enriching experience. You could easily stay in the historic hotels of Paris, Rome, Xian, Rajasthan or London but the essence of history, royal legacy and cultural ethics mater more. Whether you pay extensive amount of money or check out Mumbai slums in Slumdog-Millionaire- style, luxury is about delivering the unique local experience you seek entirely.

Many tourists can go and see Roman Forum. Few can share the understanding or Roman culture that would make the experience priceless. There are several tourists who can visit Opera theatre in Vienna and Prague – cultural centres of historic Europe. Few can understand and share the language, music and cultural context that immortalized this art form. Many can enjoy a houseboat ride in Alappuzha; Kerala in India. But few have the time and vision to go at right time and capture the Nehru trophy boat race on video camera. Whether you catch the local or international holiday destination, assimilating full essence of the destination is crucial step that create luxury travel moments for the tourists. So, let’s create memories regardless of the budget. That’s the charm.