• Experts in Property, Investments & Finance
  • [email protected]
  • Level 9, 420 St Kilda Road, Melbourne
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  • Level 9, 420 St Kilda Road, Melbourne
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Category: Money Management
Growing Wealth

Rental Shortage Crisis Bites

Rental Shortage Crisis Bites Investors may be returning to the market but their participation remains below long-term averages, leading to a rental shortage crisis. Analysis

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Re-financing Hits Record Levels

Re-financing Hits Record Levels and Home Values Surge Past $9 Trillion   A recent surge in switching among property investors has helped lift the amount

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Shifting your money mindset

Adapting your attitude for financial success Growth Predicted Next 12 Months There’s a common saying that states your life is only as good as your

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Property market analysis

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.

What you’ll get with Reventon

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.

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Personalised Financial Advice

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.

flexible-property-investment-options

Flexible Investments

Understand the differences of purchasing house and land, apartment, or townhouse investments.

Realistic Projections

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.

Top property markets in Australia

Victoria - Property Market

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:

Market

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.

Location

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.

Population

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.

INVEST IN VIC WITH REVENTON

Queensland - Property Market

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:

Market

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.

Location

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%.

Price

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.

INVEST IN QLD WITH REVENTON

New South Wales - Property Market

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:

Market

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’.

Location

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.

Population

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.

INVEST IN NSW WITH REVENTON

Western Australia Property Market

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:

Market

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.

Location

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.

Price

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.

INVEST IN WA WITH REVENTON

Property Investment

Your complete guide to how, where, and why to invest

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.

Book a FREE consultation now

What is property investment?

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.

Which property investor are you?

Traditional investor

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.

‘Rentvestor’

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.

Home buyer

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.

Why invest in property?

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.

Secure your
retirement

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.

make-savings-on-income-tax-with-property-investments

Making savings on your income tax

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.

benefit-from-growing-assets

Benefit from a growing asset

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.

secure-you-financial-future

Feel confident and
secure

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.

How to invest in property?

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.

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First home buyers

Don’t get stressed, get expert property support

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.

Book a free property advice session

Buying your first home

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 your first home

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.

The buying process

Your step by step guide to home ownership

1. Secure your mortgage

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.

2. Find a property

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.

3. Make an offer

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.

4. Exchange contracts

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.

5. Wait it out

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.

6. Pay for inspections

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.

7. Settlement

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.

8. Pay your stamp duty

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.

9. Relax!

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.

Get support to buy your first home

Buying a house is a complicated process. If it’s your first time, it could help to get professional support to ensure you’re getting the best property, loan deal and legal knowledge. Meet with one of our experts to receive a free personalised investment plan and take the first step towards home ownership.

Take the stress out of home buying with Reventon.

 

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Tax & property investment

Save up to 20% on your tax bill through property investment

Reventon’s property investment and accounting services can help you make the most of your money and may reduce your income tax.

Book A Free Investment Advice Session

How property investment can 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.

Tax deductions

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

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.

Have questions about tax and property investment?

Speak to one of our experts and get personalised advice for free

BOOK FREE ADVICE SESSION

Positive and negative gearing

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.

 

  • Positive gearing is when you buy an investment property and the money you spend on your investment (e.g. mortgage payments, maintenance costs and management fees) is less than the money you receive from your tenants each month, giving you a profit.

 

  • Negative gearing is the opposite – the costs of running the investment property are more than the money you get each month in rent, therefore you’re paying an amount of money each month to maintain your property.

 

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

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.

The Reventon formula for tax and property investment

We Listen

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.

We Strategise

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.

We Secure

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.

We Manage

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 Nurture

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

Get personalised advice for free

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.

BOOK FREE ADVICE SESSION

Superannuation advice

Simple, strategic changes to make the most of your super

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.

Plan Your Superannuation

Your superannuation

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.

Why your superannuation is important

80%

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.

Do you have a self managed super fund?

We can help you to invest in property with your SMSF and secure your retirement.

Find out how

Things to consider when choosing your super

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.

Making extra superannuation contributions

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.

Case study example

How small changes can make a big difference for Olivia

Current Age

35 YEARS

Annual income

$75,000

Super balance

$52,546

Did you know?

If Olivia reduces her superannuation fees by just 1%, she could save $71,995 for her retirement.

By then making extra contributions from her wage, Olivia could save even more:

Increase

$250

Frequency

Monthly

Additional

$89,828

Olivia adds $161,823 over her working career

Expert Reventon advice can make big life changes.

When can you access your super?

Your superannuation is designed to support you when you finish work, so you can access your super either when you:

  • turn 65
  • reach preservation age* and retire
  • are transitioning to retirement.

*For advice on your preservation age or how to access your super, get in touch with one of our superannuation experts.

Benefit from professional superannuation advice

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.

  • Significantly increase your retirement income
  • Make tax savings
  • Use your superannuation wisely
 

The earlier you start planning your superannuation the better. Book a consultation today.

superannuation-advice-Melbourne
PLAN YOUR SUPER

SMSF Advice

Manage your future your way

Secure a comfortable retirement with a flexible, diverse portfolio guided by Reventon’s expert investment advice.

Get SMSF Advice

What is an SMSF?

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.

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Grow your fund your way

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Build savings and investments

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Manage the fund as a trustee

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.

SMSFs versus industry super funds

There are some key difference between SMSFs and industry superannuation funds that should be understood before
you decide where to invest your money.

SMSF

Managed by its members
Potentially time consuming
Personally responsible for compliance
Flat fees

Industry super fund

Managed by fund provider
Little time needed after set up
Fund responsible for compliance
Usually a percentage fee

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What are the pros of an SMSF?

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.

Tax benefits of an SMSF

SMSFs are highly tax effective and offer a number of discounts on your investments and your superannuation fund.

  • The earnings within your superannuation fund are taxed at only 15% and the earnings within the pension phase are tax free.

  • Capital gains on assets held for longer than 12 months are discounted by one third before being added to the taxable income, which means an effective tax rate of only 10%.

  • There is no tax paid on income or capital gains on assets that are backing a pension.

  • Franking credits earned through investment in Australian companies are refundable to your fund. As these credits are earned at the company tax rate of 30% they help lower the effective rate of the fund even further.

  • Concessional contributions you or your employer make to your fund are taxed at only 15% and this level of tax is generally less than your marginal rate of tax.

  • The premiums for some form of insurance can be a tax deduction for the fund. When combined with concessional contributions, this effectively allows you to pay for insurance with pre-tax dollars.

SMSF and property investment

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.

SMSF and home loans

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.

Achieve SMSF success with Reventon

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.

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Investment Advice

Make your money work harder with Reventon

Receive smart investment advice that is tailored to your financial goals, and start building your wealth today.

Get Personalised Investment Advice

Why should you invest?

If you are comfortable with your finances, but want to maximise your income investment could be for you.

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Plan for a comfortable
retirement

Grow your family finances and secure your future

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Save for holidays, home improvements or treats

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.

Looking for personalised investment advice?

We can help you choose the right path to build your wealth and reach your goals.

Request a meeting today

Which type of investment is right for you?

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

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

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

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 and equities

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.

Develop an investment strategy with Reventon

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.

Start building your wealth through investment

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:

  • a statement summary of your portfolio
  • our investment recommendations
  • fresh market updates and insights.
 

The earlier you start investing, the better chances you have of building your wealth. Book a consultation today.

GET PERSONALISED INVESTMENT ADVICE

Risk insurance

Peace of mind for a secure future

Plan for the future and get proper protection for you and your family with Reventon’s suite of risk insurance products.

Get Risk Insurance Advice

What is risk insurance?

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.

Protect yourself and your family, and gain peace of mind

Receive cash lump sums or monthly benefits

Cover your costs, lost income or pay outstanding debts

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.

What kind of risk insurance is available?

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.

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How to get the best risk insurance

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.

Gain security and confidence with Reventon

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:

 

  • determine which insurance and premium is right for you
  • gain a full understanding of what is covered
  • get the best insurance deal for your needs
  • feel prepared and comfortable about the road ahead
  • know that you have secured your family’s future

 

Secure your future today, book a meeting with an expert.

GET RISK INSURANCE ADVICE

Investment Loans

Unlocking the door to investment property ownership

Get expert advice on taking out a property investment loan, whether for a new mortgage or to refinance your existing loan.

Book an Investment Loan Advice Session

What is an investment 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.

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Investment home loans versus residential home loans

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.

How Reventon can help

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:

  • Find an investment loan that suits you, with the best rates and terms
  • Help you work out what need and how much you can borrow
  • Take the hassle out of all the paperwork so you can rest easy

To find out more or to get started with your investment loan, book a meeting with one of Reventon’s experts today.

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Refinancing

Flexible home loan refinancing to suit your needs

If you’re a homeowner and considering a new loan, Reventon can guide you to the best deal that works for your financial goals.

Book a Refinancing Advice Session

What is refinancing?

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.

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Why refinance your home loan?

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.

Reducing interest rates on a loan can be one of the most effective ways to save money on both your monthly repayments and on the cost of the loan over its lifetime. If you signed up to a particular interest rate ten years ago, you might find that rates can be much more competitive today. Or if you signed up to a 5-year fixed rate deal and your interest has just increased after the initial term, you may benefit from shopping around. We advise that even lowering your rate by 1% could be worth the change. For example:
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Neil has a home loan interest rate of 4.8% on a $250,000 balance, paying $1,433 each month over 25 years. &nbsp 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.

Shortening your loan term is another reason why many people look to refinance their home loan. Perhaps your circumstances have changed since you first took out your home loan and you can afford a higher repayment rate – for example if you have progressed in your job or you have a partner who is contributing. By refinancing and shortening your loan term, you could be debt free quicker, and pay less interest in the long run. Even if you don’t have extra money to pay, shortening your loan term may still be an option: if interest rates are favourable compared to when you first took out your home loan, you can use this to your advantage by shortening your loan term without paying extra each month. For example:
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Amy’s current loan interest rate is 6% with a $175,000 balance, paying $1,128 each month over 25 years. &nbsp 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. &nbsp 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

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.

Refinancing an investment home loan

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.

Refinance with Reventon

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:

  • Determine your borrowing capacity and costs of refinancing
  • Organise and process all the paperwork
  • Negotiate the most competitive rate of your behalf

Discover the best refinancing route for you, book a meeting with an expert.

BOOK A FREE CONSULTATION

Debt consolidation

Manage your debts and secure your finances

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.

Book A Debt Advice Session

What is debt consolidation?

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.

Why consolidate your debts?

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.

Alleviate the stress of multiple
bills

reduce-interest-rates

Reduce the interest on your
debts

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Clear your debt faster and
smarter

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Types of debt consolidation loans

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.

Debt consolidation with a credit card

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).

Consolidate your debts with Reventon

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.

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Financial Planning

A more prosperous future

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.

Book a FREE consultation now

Our goal is to help our clients achieve a more prosperous future by providing them with sensible financial planning advice that is tailored to their personal circumstances and objectives.

Superannuation advice

Simple, strategic changes to make the most of your super

Read More
SMSF advice

Manage your future your way

Read More
Investment advice

Make your money work harder with Reventon

Read More
Risk insurance

Peace of mind for a secure future

Read More

Meet CHC Planning Solutions

At Reventon we aim to provide a seamless and comprehensive service to our clients as we grow and protect their finances. To enable us to do this, we have partnered with some of the best financial planning services in the business.

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.

Learn more about CHC Planning Solutions

Mustafa Kahraman​

Client Relations Team Leader

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Gary Limardiono

Head of Accounting

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Stamp duty calculator

Confused by stamp duty?

Enter the property’s value and state or territory to discover exactly which fees and charges you’ll be required to pay.

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Borrowing-power calculator

How much could you borrow on a home loan?

Enter your income details and spending habits to discover your borrowing-power on a future home loan.

Need help with a home loan?

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Loan repayment calculator

Want to work out your repayments on a home loan?

Enter the details of your loan and discover how much you’ll be paying each month.

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Alexa Chatfield

Team Leader- Property Management

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Linda Taylor

Senior Property Manager

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Jules Ninh

Senior Paraplanner, Financial Planner

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Bontu Hassan

Client Services

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Ed Barr

Mortgage Broker

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Ed joined Reventon in 2020 working as a mortgage broker with a strong focus on ensuring every client receives tailored financial advice to assist them in reaching their investment goals. Ed has completed a Bachelor of Applied Science in Property and Valuations (Honours) and is a licensed mortgage broker.

Rishi Saurabh

Senior Mortgage Broker

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Dean Spanos

Senior Mortgage Broker

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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 Lawson

Senior Mortgage Broker

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David has been in the industry since 2013, and with Reventon since 2017. His number one priority is our clients, and he prides himself on open communication, ongoing education, and dedicating time to fully understand our clients’ needs to help them achieve their financial goals.

David has a diploma of finance and mortgage broking management, is a member of the Mortgage and Finance Association of Australia (MFAA) and is a Licensed Credit Representative of BLSSA Pty Ltd.

Shayla Barbary

Client Services

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Shayla is based in our client services team, where she works with Reventon customers to ensure they receive the best possible experience on their wealth-building journey. Shayla has been an essential part of the Reventon team since she joined in 2016, and brings over five years of experience in client-facing roles. Many customers will recognise Shalya for her quick problem-solving skills and passion for delivering A+ service at all times.

Mark Donovan

Property Consultant

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Income tax calculator

Want a breakdown of your income tax?

Drag the controller for your income and discover your take home pay and tax rates.

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Donna Batziris

Team Leader, Client Services

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Donna ensures that our clients’ investment journey is as smooth and hassle-free as possible. Donna has worked in the property industry since 2007 and has been with Reventon since 2019. As an experienced sales and admin manager, Donna is highly skilled in sales and contract administration, to the benefit of Reventon’s clients.

Donna brings a detailed understanding of real estate sales, marketing, administration, and compliance.

Christopher Stylianou

Director and Partner, CHC Planning

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Christopher services all of Reventon’s Self Managed Superannuation Funds (SMSF) risk management, managed funds and superannuation. He has been with Reventon since 2014 and his expertise allows him to implement high growth strategies for our clients, while maintaining the highest level of ethics and standards.

Christopher holds a financial planning licence and has received Affinia Rising Star and TAL Rising Star awards.

Marcus Walford

Sales Director

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Marcus brings with him over 10 years of leadership experience in the advertising and media industry. Marcus focuses on getting the best outcomes for his clients and team. His career began in a family run business where he spent nearly 10 years in a multitude of marketing and buying roles. Marcus brings with him an ability to understand clients’ needs and and ensures a mutually beneficial outcome for all parties involved.

Mars Hana

Head of Finance

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Bio coming soon

John Mayers

Head of Property Management

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Lydia Li

Head of Accounts & Payroll

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Billie Christofi

Finance Director

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Billie’s passion is to build genuine long term relationships with our clients, who she sees as part of the Reventon family. Billie designs, organises and implements financial strategies for our clients with the goal of saving them money from their current financial set up and ultimately building their wealth.

Billie has been with Reventon since 2011 and is an advocate for financial education and money coaching for all clients. She holds a certificate IV in financial services.

Penny Votsaris

Chief Financial Officer

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With a background in IT sales in the higher education field since 1990, Penny joined Reventon in 2010 and is responsible for our overall operations, including our systems and processes, strategic marketing, client events, seminars, staff management, and popular client appreciation luncheons.

Penny is key in promoting Reventon’s products and services, and ensures our clients are informed and looked after by each department at every stage of their journey.

Tim Graham

Chief Operating Officer

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Tim started in the real estate and financial sectors with Reventon back in 2011, and since then has worked with some of the biggest names in real estate in the US, Latin America, Europe, UAE & throughout Asia. As a leader and motivator, Tim ensures that the Reventon team remains intensely focussed on delivering a great return on experience whilst providing expert financial and real estate investment knowledge to benefit our clients.

Tim has completed a Masters in Business Administration as well as being a licensed mortgage broker and holds a corporate estate agents license in Victoria & Queensland.

Chris Christofi

Founder & CEO

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Chris has been in the property and investment industry since 1999. He has become a respected leader and is known for his accomplishments and passion.

He founded Reventon in 2005 with a personal ethos to help as many people as possible to reach their financial goals. Since then, the company has supported thousands of Australians to secure their future finances, and has sold billions of dollars of real estate.

With a strong belief in leadership, ethics and integrity, Chris works closely with the Reventon team each day to ensure that clients get the best results that work for them.

Chris holds an Australian Credit License and is one of the company’s Principal Licensees, with the ability to operate a full real estate office.

In addition to positions at Reventon, Chris is a Director and Partner at CHC Planning Solutions and Director of Reventon Snooker. Learn more about Chris at ChrisChristofi.com.au.

Online budget planner

Have trouble sticking to a budget?

With the budget planner, you can log your incoming and outgoing expenses to keep track of your finances and set saving goals.

Need budget planning help?

Check out our other calculators too

Property Investment

Reventon property advisors will help find the right investment for you

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.

Book a FREE consultation now!

We take the time to research and put forward the right investment options to
maximise your return on investment.

Property Market Analysis

Discover the top property markets in Australia

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Property Investment

Your complete guide to how, where, and why to invest

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First home buyers

Don’t get stressed, get expert property support

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Tax and property investment

Save up to 20% on your tax bill through property investment

Read More

Independent Property Inspections

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.

Buyers Advocate Services

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.

Property Valuations & Projections

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.

Munira Fakatava​

Client Relationship Officer

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Nikki Harris

Finance Coach

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Christos Theodorakopoulos​

Client Relationship Officer

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Pukhraj Gill​

Finance Coordinator

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Ada Chau

Client Relationship Officer

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Lachlan Morrie​

Business Development Manager

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Amy Kayani​

People & Culture

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Julie Bui

Accounts & Payroll Officer

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Varsha Saddler

Brand and Communication Officer

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Cara Elliott​

Senior Property Manager

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Nathan Waters

Content Specialist

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Kliment Kovaceski​

Mortgage Broker

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Thy Nguyen

Senior Loans Processor

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Rhianna Everard

Loans Processor

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Mark O Riel

Client Relationship Officer

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Olivia Kajkic

Property Manager

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George Nicolaou

Property Consultant

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Introducing RevMoney

Your Money. Your Life.

Reventon’s specialised coaching program. Find out more information and register below!

Your Money Mindset Matters

Revmoney is a specialised, coaching program for clients who want to achieve financial freedom. We’re committed to helping you get pay 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:

  • Pay down bad debt
  • Set up sustainable saving habits
  • Gain control of your finances
  • Set up an emergency fund to meet unexpected expenses
  • Stay on track with ongoing support and guidance

For Further Information Please complete form below

Tax and Accounting

Reventon Adds Up

Reventon’s highly-experienced accounting team provides our clients with astute and technically sound advice that’s timely, practical and strategic.

Book a FREE consultation now

Our accounting and tax specialists will keep you on top of all changes to tax, super and financial reporting and identify and reduce your tax risks. The long-term view we bring to each and every one of our advisory relationships ensures that we establish the right tax models to achieve your long-term growth strategies.

Accounting services we provide include:

Preparing & Lodging
Your Tax Return

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.

Small Business
Tax Concessions

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 &
General Tax Planning

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.

Fringe Benefits
Tax Returns

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.

Business Accounting
Compliance

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.

Payroll Tax
Compliance

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.

PAYG Summary
Statements

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.

Superannuation
Compliance

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.

Business Activity
Statements

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.

Property Management

Let us manage your asset

We value all our property management clients and enjoy a strong reputation for our excellent property management service

Book a FREE rental appraisal now!

Looking to take the next steps in financial security? Reventon can help you achieve your financial goals.

Property management services we offer include:

Advertisements On Several
Property Websites

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.

Professional Property
Photography

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.

Open For Inspection – with Full Tenant Reporting

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.

Screening & Negotiation with Tenants

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.

Bond Collection

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.

Ingoing/Outgoing Reports

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.

Rent Collection & Reviews

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.

Arranging Property Maintenance

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.

Regular Property Inspections with Reports

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.

VCAT Representation

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.

Insurance Preparation

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.

Everything’s Digital & Online

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.

Renter Information

Residential Rental Provider (Landlord)
Information

Mortgage & Finance

Fund Your Future

Our finance experts will help you structure what you need and make the process for finance as hassle-free as possible

Book a FREE consultation now

Looking to take the next steps in financial security? Reventon can help you achieve your financial goals.

Investment loans

Unlocking the door to investment property ownership

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Refinancing

Flexible home loan refinancing to suit your needs

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Debt consolidation

Manage your debts and secure your finances

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Aside from the core services above, Reventon can assist you with the following mortgage and finance services:

Asset Finance

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.

Budgets

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.

Repairing Your Credit Rating

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.

Mortgage Reduction

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 Lending

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.

Equipment Finance

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.