Debt Consolidation

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Debt consolidation is a form of debt refinancing that entails an accredited licenced Financial Broker source a new tailored financial product
to help the client take out one new loan to pay off some or a number of existing loans. Rather than running several separate loans,
an investor might refinance to bring all such loans together under a single umbrella loan. This of course makes sense when a borrower
wishes to eliminate the duplication or triplication of fees and charges on multiple loan accounts.

The benefit of consolidating debt – a process central to RMR’s Wealth Creation strategy is accessing the lowest possible interest rate
to the client’s entire debt loading. Additionally, debt consolidation also simplifies the maintenance and servicing of the client’s
investment portfolio as the consolidation process brings together multiple loan points into a single loan.
The resultant benefits being cost and time and significant monetary savings.

Debt Consolidation is core to RMRs wealth creation and property acquisition strategies. RMR has developed a network of finance provider’s
who will provide its clients with unique non-retail funding products. Major lenders and fund sourcing firms have partnered with RMR
to provide clients with direct access to their funding products with industry best rates.

 

 

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Self Managed Super Funds

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Self Managed Super Funds; There is currently an enormous trend for Australians to move away from traditional types of managed super funds. Where their money is invested into high risk non-tangible shares that have very often provided great instability and negative growth while still exposing them to expensive annual fees.

The trend now is for people to have their own SMSF set up so they can move over from risky managed shares and invest their hard earned money into the very stable, very tangible property market.

Again, RMR is in the business of managing risk for its clients and understands that the one-size-fits-all approach to personal and individual wealth creation cannot, by definition, provide the best outcomes for clients, all of whose needs cannot be the identical.

RMR does not manage client super funds, it provides clients with the back of house expertise required to deal with the risks of self-management. RMR, in conjunction with its network of specialist partners acts as an investment facilitator to help ensure that client profits and returns are maximised. RMR engages with its clients on a single event basis – one investment event is one client engagement with RMR. Clients again contact their RMR consultant when their next investment event comes ready. Unlike many other Financial Consultants, RMR does not continually or repeatedly draw down client fees.

We, in conjunction with ATO specialist chartered accountants are driven by a constant focus to provide clients with in-depth and a thoroughly up to date understanding and utilisation of tax minimisation methods and laws.

 

 

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Tax Minimisation

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RMR has a proud reputation within the industry and amongst past clients. This reputation has been built on the quality of the relationships we have developed with not only our clients but with the broad range of industry stakeholders and specialists behind this strategic model of Personal Wealth Creation. We, in conjunction with ATO specialist chartered accountants are driven by a constant focus to provide clients with in-depth and a thoroughly up to date understanding and utilisation of tax minimisation methods and laws, as applied particularly to property investment.

When you become a valued “‘Rapid Mortgage Reduction” client, we start with the structure or re-structuring of your current circumstances, keeping your future and goals the top priority. Then we utilise an all year-round strategy, (not an end-of-year recovery) to make sure you are optimising the best available opportunities throughout the year and increasing your cash flow.

The strength and accessibility of our partners is paramount when helping you to understand and utilise your business and/or your personal financial position. This aids in achieving and developing strategies that are both relevant and practical to optimise and fulfil your current needs and goals.

RMR is proactive. This means you don’t have to feel like you need to get an accounting degree yourself to make sure you are given the best solutions and options possible. Being proactive means we will provide help, suggestions and recommendations for minimising your tax whilst increasing your after-tax income.

 

 

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Wealth Acceleration

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Wealth creation is achieved through a combination of rapid debt reduction, tax minimisation and debt consolidation. Investing positively and wisely is essential in securing your future financial freedom — the team at RMR will assist you by presenting you with the best options via financial planners and CPA charted accountants.

RMR understands well the necessity of first understanding and then applying the ATO’s complex legislation to individual clients’ financial situations. Without all of the elements being in place, no benefit can be obtained for RMR’s clients.

Confirming RMR’s legal technical approach to Wealth Creation, the Reserve Bank of Australia has itself stated, “geared investments (are) particularly attractive to individuals facing high marginal tax rates”.

To this end, RMR consults closely its industry partners and with its clients to achieve the best financial outcomes possible. Rather than applying a one-size-fits-all template, RMR tailors its Wealth Creation strategy’s to maximise client returns via the ATO to increase your bring home pay weekly , fortnightly or monthly.

 

 

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Property Investment

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RMR provide added comfort and security for all our clients by ensuring that the suitability of an investment property purchased by clients will meet RMRs strict Selection Criteria Standards and that financing is subject to bank approval / valuation. These selection standards greatly aid RMR Consultants in not only the selection of appropriate properties but also in the securing of appropriate finance products. RMR’s industry standing and has already helped ensure that their partners in Finance Brokerage and funds sourcing should not take any additional security over Family Home or other property that may be held by the client. Of course, the less security held over an investor’s property, the freer the client is to be able to move quickly when markets move RMR provide added comfort and security for all our clients by ensuring that the suitability of an investment property purchased by clients will meet RMRs strict Selection Criteria Standards and that financing is subject to bank approval / valuation. These selection standards greatly aid RMR Consultants in not only the selection of appropriate properties but also in the securing of appropriate finance products. RMR’s industry standing and has already helped ensure that their partners in Finance Brokerage and funds sourcing should not take any additional security over Family Home or other property that may be held by the client. Of course, the less security held over an investor’s property, the freer the client is to be able to move quickly when markets move and additional opportunities present.

Property Investment – RMR’s approach to Personal Wealth Creation utilises its tried and tested trinity of Gearing, Depreciation and Capital Gains as the key profit driving mechanism. Depending on the ownership structure of a property, so is the depth of the tax benefits available to the property owner. RMR ensures that client benefits are maximised by tailoring, through personal consultation, both the property and its purchase structure to the client’s individual circumstances.

Real property has been chosen by RMR as its principal strategy because of the vehicle’s exemplary history as an investment form for the following reasons:

Historically, property has shown capital growth that has been steady and upwards whilst providing investors with regular rental returns.

The broad specialist knowledge required to structure income and capital gains generating properties is now readily available to individual real property investors, and with that the possibility of significant capital gains.

RMR well understands the nature, legislation and intended purpose of the ATO’s complex tax laws. Because tax law and accounting run hand in hand in complex and dynamic ways, the benefits to be had from increase exponentially when specialists are involved in their application to structuring property purchases. RMR, through partnering with a broad range of tax and legal specialists is well placed to provide affordable solutions to technical problems for their clients and investors.

 

 

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Rapid Mortgage Reduction

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Our trusted mortgage reduction program uses specialized retail and non-retail loan facilities sourced securely through a number of partnered finance brokers / major Australian banks and lenders.

The focus of Rapid Mortgage Reduction program is to provide client access to investment funding and real property without increasing the client’s current repayments.

RMR’s program is implemented by licensed and accredited professionals utilising ATO legislation to achieve financial goals. Our highly efficient program delivers greatly reduced loan terms aimed at lowering investment running costs whilst increasing returns.

Because RMR’s Investment Properties (IP) are closely matched with individual client needs and circumstances, ATO approved tax rebates are maximal and provide clients with real returns on regular weekly / fortnightly and monthly bases. In addition, many clients experience positive returns from rental income from their investment properties.

  • Focus on paying off your family home mortgage in half the time .
  • No change in repayment amount of current home loan.
  • Strict and rigorous client / property qualification to bank / valuer standards.

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