Isn't it time you started planning for your future and your children's future now? No need to feel reluctant if you're a first time investor, as we have the necessary skills and resources to gently guide you through step by step process. Talk to us about how we can help you to finance your first Investment Property or how you can use your current property to help your children purchase their first home. As your personal Finance Manager we will provide you with quality service – and best of all, it's free!

Everyone is different however and you may be surprised by the number of options that are available today and at reasonable rates. It is a good idea to talk your situation through with a good mortgage broker and find out what self employed home loan options are in your best interest, so go on, talk to Injoy Finance now to discuss your options.

• Stay up to date with the latest property trends.
• Paying extra on your home loan has its ripple effect - Every extra dollar you pay towards your home loan is a dollar you will never need to pay in interest ever again.
• Reinvest any tax rebates by making extra repayments into your investment loan.
• Hold your investment property for long term.
• Ensure tenants do not have a history of damaging rental properties.
• Be aware of property market cycles. In Australia there is a boom in the real estate market every five to seven years, which means there are always high, low and steady patches.
• Discuss your financial position and your desire to invest in property with an independent expert in taxation accounting and financial advisor. The benefits of property investment may vary according to personal income levels and your age. Make sure that your financial situation is improved by an investment property and that you can afford repayments without stretching the budget uncomfortably.
• Don't let tax dominate your investment decision. The best investments work regardless of the tax benefits.
• Ensure you maintain your investment property. Neglected properties fail to appreciate in value compared with well maintained properties.
• Buying investment properties in areas, which are familiar to you. But keep an eye out for opportunities in other suburbs, towns, or even cities, where the property cycle may be at a more beneficial point for investing.

From 1 July 2009, the NSW Government has introduced a housing stimulus for people outside the first home buyer market, cutting duty by 50 per cent for people buying newly constructed properties with a value not exceeding $600,000. 

The discount is part of the NSW Housing Construction Acceleration Plan which will run from July 1 until December 31 and applies to newly built properties up to the value of $600,000. Buyers will save up to $11,245 in stamp duty charges 

The saving in stamp duty provides a window of opportunity for anyone looking to buy a new home, including growing families, second and third home buyers and investors.

The NSW Government plans to review the effects of the stamp duty discount at the end of its current six month timeframe, with the option of continuing the scheme into 2010.