Step by Step Guide when looking to invest in residential real estate.

Vogue Financial Solutions has designed a Step by Step guide in assisting a client with any investment decision. With our extensive experience in residential lending and investment strategies, it is imperative that clients follow these guidelines set out by our leading consultants so mistakes or additional cost are not incurred during any part of the purchase.
There are five simple steps to follow:

Qualification
Preparation
Review
Decision/Action
Follow up

1. Qualification

We need to identify your financial situation before you look at proceeding with any form of investment. The following information will need to be considered:

· What type of Investment do you wish to purchase?
· how much do you want to spend?
· How much do you expect the investment to cost you per week/month?
· how much will the banks lend you?
· what loan structure and other debts would affect your investment.

Vogue FS consultants can easily identify the potential borrowings and cost of the investment you wish to purchase. In order to do so we will need the following information:

· Complete list of all assets and liabilities
· employment history and gross incomes
· how much do you think the investment will cost you?
· what type of investment do you wish to purchase?

Once this information has been obtained then we can identify your borrowing capacity and give you a Financial Strategy Report which will clearly indicate what potential investment opportunities are available to you.

2. Preparation

The Financial Strategy Report will outline your current financial situation and map out the effects the investment will have on your families finance security. This report is presented to you on a one on one free consultation.

This strategy includes

· Indicative loan structure:
- What will the banks lend you
- which lenders are able to assist with your financial requirements
- how you could reduce the debt faster without increasing the repayments

· Cash flow & Property Investment Analysis
- how much the investment will cost you per week/month
- What type of returns are you going to obtain or expect

· Tax savings summary
- How much tax you can save by implementing different strategies
- How to obtain your tax back into your pay packet every pay period

· Property types
- What type of residential asset should you purchase
- What area's would help with high potential capital growth
- Buy new or old properties
- What is available to suite your financial requirements

This report is very conservative and outlines basic returns, outgoings and the effects particular investments will have on your finances. With this you will then have all the information you need to make an informed decision to proceed to the next stage.

3. Review

With the many years experience Vogue FS has had dealing with clients investments, we assist by researching areas and properties that are suitable to your financial requirements. Vogue Financial Solutions has a very extensive real estate network which can identify areas of high potential capital growth, rental returns and vacancy, infrastructure spending to assist with the future supply and demand for you investment.

This stage, you clearly know what financial strategy you wish to pursue and all we need to complete is the property purchase. Vogue's Real estate network will:

- Research areas of High Potential Capital Growth
- Houses that may be available for investment
- Property analysis on available purchases
- prepare contracts to suite the client's needs and requirements
- completing the transaction with all the information at hand.

4. Decision/Action

Now you have your Financial Summary Report & Property information it is now time to take action and implement your investment strategy. When you have selected the property you wish to purchase Vogue Financial Solutions will continue its services by:

· lodging a financial application for your property purchase
· selection of appropriate loan facilities
· completing a full financial summary on the Investment being purchase
· preparation of mortgage documents
· complete and settle the property transaction
· preparation and lodgement of tax variation
· organisation of depreciation schedules
· liaise with real estate agents and rental manages to maximise rental occupancy
· 6 month reviews on all loan structures
· Yearly recommendations
· Ensure you have adequate life insurance and loan protection in place.

5. Follow Up

Vogue Financial Solutions will continue to provide the highest possible service when it comes to your investment strategy. We will continue to review you loan structure, so if mortgage rates increase, you decide to fix rates or banks policy changes, we are there to assist in solving any issue that arises.

Discuss your options with a VFS Rep