FAQs

Frequently asked questions
Over the past eight years, APS Growth has helped more than 500 clients to invest in over $1 billion
worth of property with ease and confidence.

APS Growth takes the guesswork out of sourcing quality investment properties, applying a rigorous research process that incorporates 15 different sources and a customised 100-point property rating system.

Here are some of the frequently asked questions that our clients have wondered about in the past. If you have any other questions, please get in contact with us here.

What if the government abolishes ‘negative gearing’?
Monday, July 19, 2010

In 1987, the government abolished negative gearing, however the huge upheaval it caused within the property market forced the government of the day to re-instate negative gearing.
The upheaval was significant:
•    in the building/housing industry
•    employment
•    availability of rental premises
•    the cost of rentals
Both Liberal and Labor governments are well aware of the repercussions of the abolition of negative gearing.

 
What if interest rates rise?
Monday, July 19, 2010

Locking into a fixed-rate loan is a guard against the effects of interest rate rises. If interest rates do rise and you are not locked in to a fixed-rate loan, your negative gearing effect increases. You may have the option of rental payment increases to help cover the costs of an interest rate rise.

What if I lose my job?
Monday, July 19, 2010

A smart way to ensure that your loan repayments are met during any unemployment period is to arrange ‘Income Protection Insurance’ and/or ‘Loss of Rental Income Insurance’ with your financial planner. Should you be retiring and about to receive retirement payments, long service leave, holiday pay, etc. and provided you have a mortgage off-set account, you have the option of placing excess funds into the off-set account which would reduce your interest repayments until you are re-employed.