Buy Property in Trust / Company / Personal Name? Get Endless BORROWING POWER & Save TAX! 🏠

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Australian Property Mastery with PK Gupta

Australian Property Mastery with PK Gupta

Күн бұрын

Protect your assets, get endless borrowing capacity & minimise your tax!
You can do this! But how?
In this episode Monica Rouvellas (Instagram: @monicarouvellas), solicitor & expert in tax law, shares a critical DEEP DIVE into property investment ownership structures:
👉 Should you buy property in personal name vs corporate entities
👉 Types of corporate entities for purchasing investment properties
👉 Considerations for buying under corporate entities such as land tax, capital gain discounts & other taxes, state by state
👉 How to take advantage of negative gearing losses, if any
👉 Pros and cons of setting up a trust such as costs involved, loan documents, guarantor documents, using a solicitor vs accountant, PLUS how to avoid costly mistakes many property investors make
This is truly a deep dive on property investment structures that rarely gets discussed - so tune in right till the end!
#borrowingpower #taxsaving #trusts
Chapters:
00:00:00 - Introduction and Property Investment Journey
00:05:55 - Importance of Properly Drafted Trust Documents
00:11:42 - Minimizing Taxes with Corporate Entities
00:17:43 - Companies and Tax Planning
00:23:43 - Property Ownership and Tax Planning
00:29:31 - Considering the Best Investment Structure for Your Personal Investment Strategy
00:35:27 - Customizing Property Structures for Investors
00:41:11 - Complexities of Borrowing in Corporate Entities
00:46:47 - Getting Advice for Real Estate Investment
00:51:54 - Thank You for Watching
LEARN MORE 👇
💡 I Help People Achieve PASSIVE INCOME Through Property Investing Using Our Unique Data-Driven System, So You Can Confidently Buy Top 5% Growth & Cashflow Property, WITHOUT Wasting Months Doing "Research", Spending Weekends At Inspections OR Dropping $15k On Buyers Agents Each Time 👉 consultingbypk.com.au
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DISCLAIMER: No Legal, Financial & Taxation Advice
The Listener, Reader or Viewer acknowledges and agrees that:
• Any information provided by us is provided as general information and for general information purposes only;
• We have not taken the Listener, Reader or Viewers personal and financial circumstances into account when providing information;
• We must not and have not provided legal, financial or taxation advice to the Listener, Reader or Viewer;
• The information provided must be verified by the Listener, Reader or Viewer prior to the Listener, Reader or Viewer acting or relying on the information by an independent professional advisor including a legal, financial, taxation advisor and the Listener, Reader or Viewers accountant;
• The information may not be suitable or applicable to the Listener, Reader or Viewer's individual circumstances;
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, Reader or Viewer, and we have not provided financial services to the Listener, Reader or Viewer.
#PropertyInvestment #PassiveIncome #Australia #RealEstate

Пікірлер: 95
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 21 күн бұрын
Corrections: Monica meant the NT, which has no land tax. The current threshold in Western Australia is $300,000, and any land owned in either a company or trust (regardless of the type of trust) will be assessed separately to land owned as an individual or held in any other structure.
@shuttershotsbp
@shuttershotsbp 3 күн бұрын
This is one of the best episodes. So many Gold nuggets.
@riley7528
@riley7528 22 күн бұрын
Geez, rough crowd in here. I took heaps out of this video on a topic that is quite intricate. Thanks for reaching out to great people PK. Enjoying this ‘extending borrowing capacity theme’ you’ve got going on at the present moment hahah.
@DanielFlack1
@DanielFlack1 6 күн бұрын
Hey mate, can’t believe this interview and all the free advice provided in KZfaq format. Really helpful for me, so many gems of knowledge. Disposing of the company and getting that CGT discount is amazing. That and so many gems of knowledge. Thanks you!
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 22 күн бұрын
❤ JOIN THE COMMUNITY & GET FREE SUBURB TIPS + STRATEGIES 💡 Private Facebook Group With Over 50,000 Clients & Investors 👉 facebook.com/groups/passiveincomethroughproperty 💡 Top Ranked No "BS" Podcast On Spotify/ Apple Podcasts/ Google 👉 consultingbypk.com.au/podcast/
@Marce47
@Marce47 20 күн бұрын
What a great free content! ❤thank you Pk!This is more than golden nuggets 😮
@ANDIYOUNGtv
@ANDIYOUNGtv 22 күн бұрын
So good to know these intricacies! That’s why I’m having a meeting with my chartered accountant next week before finalizing the tax matters! Thanks for the great contents!
@swansaholic
@swansaholic 3 күн бұрын
Really great video with a lot of information around the benefits of a trust. Thanks!
@user-kt7wv7pp9g
@user-kt7wv7pp9g 22 күн бұрын
Such a helpful video! Thanks for delving into this topic at length!
@catalogofhappiness
@catalogofhappiness 22 күн бұрын
Absolutely loved it! ❤❤❤ Great value.. I learned most of this over a year which has been presented here with extremely important small gotchas. Fantastic video 👌
@haywirekwek
@haywirekwek 21 күн бұрын
This is truly amazing PK and Monica. Truly great!! ❤
@teresazhang3766
@teresazhang3766 19 күн бұрын
Thanks Pk and Monica, really appreciate of all the information from the video! Keep the good work!
@mudassarmor7395
@mudassarmor7395 20 күн бұрын
Kudos to Monica and PK for such informative sessions.
@crazyham
@crazyham 22 күн бұрын
Loving This 🙏
@jackscanlan9867
@jackscanlan9867 10 күн бұрын
Amazing video. Learning to ask the right questions is such a big step in setting up the right structure.
@DaTrollerSkate
@DaTrollerSkate 22 күн бұрын
Very informative video! Lots of gold nuggets in there! Also great Qs you asked, which I had on my mind as well :) Thanks PK, really enjoy these types of content
@crazyham
@crazyham 22 күн бұрын
Big Love Great Value ☀️😎☀️ Been watching for ages now 😉
@shergill4301
@shergill4301 22 күн бұрын
Great info, PK....
@rduong28
@rduong28 21 күн бұрын
This is incredible technical information summarised in 1 hr. It's essentially a consultation with a solicitor & real estate veteran.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 21 күн бұрын
Would costs thousands otherwise!
@yaritzasalazar5296
@yaritzasalazar5296 22 күн бұрын
Love it great info
@DanielFlack1
@DanielFlack1 22 күн бұрын
Hey mate, can’t believe this interview and all the free advice provided in KZfaq format. Really helpful for me. Disposing of the company and getting that CGT discount is amazing. That and so many gems of knowledge. Thanks you!
@amitjoshica
@amitjoshica 22 күн бұрын
Loved it
@melsbraids1857
@melsbraids1857 9 күн бұрын
Thank you this was super helpful to me.
@bird2191
@bird2191 13 күн бұрын
Great informative contents
@ZoeZhang-ji9nv
@ZoeZhang-ji9nv 3 күн бұрын
Can't believe CPA is get judged on this. A couple of more group assignments does not make CA more knowledgeable. In fact, CPAs are more practical! 🤔 Also, FYI, there is land tax in WA.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 3 күн бұрын
Please see the correction in pinned comment
@MrGeddes85
@MrGeddes85 21 күн бұрын
pk, great guest! monica you have a great way of explining a very technical subject. cheers for the amazing advice and u should think about creating your own content. id give that a follow
@MONICAROUVELLAS
@MONICAROUVELLAS 21 күн бұрын
@McGeddes85 thanks for your support! I will definitely think about creating my own content down the track 🙏🏻
@superwag634
@superwag634 13 күн бұрын
These financial manipulations all work until they don’t. You’re trying to plan a long term structure in an environment of endless tax and law changes. See what they did to super? They will do the same to “investment” properties one day. Diversify away from just property is what a prudent investor would do 🤷‍♂️
@NickTsk
@NickTsk 21 күн бұрын
At what part of your property journey should you start thinking about a trust for property outside of Super? 3-4-5 properties?
@michaelmccullagh2241
@michaelmccullagh2241 15 күн бұрын
Wow this is good stuff. Now i need to draw some diagrams with arrows!
@linawang1220
@linawang1220 22 күн бұрын
How do you have CGT discount by using a company to hold trust? Trust is not a separate legal entity, so profits from trust belongs to the company(beneficiary), then company doesn't have CGT discount - so it doesn't make sense to me by having company own the trust for CGT discount
@EastWood2004
@EastWood2004 22 күн бұрын
The trust works well in Vic as the threshold is 50k. Nsw’s threshold is 1 Mil so you are generating -17K outgoing (eroding 1.7% return per year) if you own a house In Sydney where most houses are valued ,ore than 1 Mil.
@JimmyVincent-lg8sg
@JimmyVincent-lg8sg 22 күн бұрын
Hi Guys, great video and thanks for providing a lot of valuable information. It was mentioned there’s no land tax in WA, but there is. Can you just clarify regarding that.
@MONICAROUVELLAS
@MONICAROUVELLAS 21 күн бұрын
@JimmyVincent-lg8sg Yes, you are right. I got my states mixed up. I was supposed to refer to the Northern Territory. The current threshold in Western Australia is $300,000, and any land owned in either a company or trust (regardless of the type of trust) will be assessed separately to land owned as an individual or held in any other structure.
@EastWood2004
@EastWood2004 22 күн бұрын
One more thing is if I intend to invest in shares and commercial properties then the trust is a good option.
@fish808fish
@fish808fish 22 күн бұрын
is it just me or should there be a cap for how many properties someone or trust can own ? it seems like the rich dad poor dad virus has just provoked more greed rather than living a more stable life. Once someone has 3 properties leave the rest for others
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 22 күн бұрын
Socialism?
@michaela5311
@michaela5311 20 күн бұрын
@@AusPropertyMasteryWithPKsounds like greed.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 20 күн бұрын
@@michaela5311 capitalism?
@cfmc6201
@cfmc6201 Күн бұрын
How about how many shares you can have ? Or how about only 1 car per family ? How about I can only work 5 days 37.5 hours . What if I want to work 80 hours should I stop to let others work more ?
@anthonyadam7343
@anthonyadam7343 18 күн бұрын
eventually when you close the company the beneficiary of the company will have to pay the balance of the CGT
@robi19able
@robi19able 21 күн бұрын
is there a breakdown additional costs in trusts and companies vs individual, interested in servicing costs and borrowing services costs.
@enlightme8612
@enlightme8612 20 күн бұрын
Hi PK and Monica, Really appreciate this. This topic is really answering alot of my question. Is Monica base in syd? Would like to see her for consultation, if she is. Many Thanks guys. Regards
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 20 күн бұрын
Yes I think so, get in touch with her
@ReActiv8R
@ReActiv8R 18 күн бұрын
How "legal" is it for a lender to request the Director of the company which is the trustee of the trust go Guarantor for the loan? That would seem to defeat the purpose of the trust structure in general.
@nq6417
@nq6417 2 күн бұрын
You are correct if you don’t understand the purpose of the structure is to hide borrowings.
@nq6417
@nq6417 17 күн бұрын
47:08 talk to your mortgage broker first, before a solicitor or accountant. I’ve bought a property in a trust with a corporate trustee to hide borrowings. I’ve spoken to 3 mortgage brokers since that purchase and they all laugh at the real world application of hiding/unlimited borrowings. It’s an expensive structure
@leighbennett7223
@leighbennett7223 15 күн бұрын
Yep, this is the problem and why advice on this topic is so problematic.
@Mahdi20832
@Mahdi20832 22 күн бұрын
you should bring Bank employee...... I don't think bank give loan just by opening trust and10-20% money....
@stevebaker7248
@stevebaker7248 22 күн бұрын
Yeah but I got a Corp trustee of discretionary family trust that also distributes to a corp beneficiary that owns property( that has a $1M cgt that would be triggered )but tier 1 bank johnny got confused about me taking another RE loan in its corp name. eventually I thought fck it and got extra loan in personal name!
@MONICAROUVELLAS
@MONICAROUVELLAS 21 күн бұрын
That's why finding a broker who can do this is key. I'm sure PK knows some good ones that can help you out.
@Mahdi20832
@Mahdi20832 21 күн бұрын
what i understand..... Trust is good if you have at least 4-5 properties, without any loans. loan properties cannot be put under trust.....😂😂😂😂
@cravefour
@cravefour 16 күн бұрын
How to get endless borrowing power? The trust account with company is still counting on your personal income as primary servicing sources.????
@sarahfrancess2981
@sarahfrancess2981 7 күн бұрын
The reason is some lenders have a policy where any properties held by a trust- if the property is positively geared (ie. The rental income covers mortgage & expenses), the lender can disregard the debt associated with that property. So even though they do look at your personal income & expenses, a lot of debt can be disregarded hence restoring your borrowing power.
@nq6417
@nq6417 2 күн бұрын
@@sarahfrancess2981 you put that so well Sarah 😎
@Young_Gingers_day
@Young_Gingers_day 22 күн бұрын
Thank you so much for sharing PK would you mind to tell again for her contact,thank you
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 22 күн бұрын
Hey she mentioned her email at the end
@MrGeddes85
@MrGeddes85 21 күн бұрын
monica rouvellas is the spelling,,,, its also in the bio link thing next to pk's # just below the title
@gozieumeh9641
@gozieumeh9641 17 күн бұрын
@@MrGeddes85 thanks a lot for spelling the name…couldn’t have worked it out😅
@roseyjojo
@roseyjojo 22 күн бұрын
So the bottom line is that we need to find a property which is positively geared, and thats the diffcult part
@crazyham
@crazyham 22 күн бұрын
PK & Ravi Sharma should do a Collab 💯
@MrGeddes85
@MrGeddes85 21 күн бұрын
omg that would be great
@ikrammalek1467
@ikrammalek1467 15 күн бұрын
Probs not Ravi sharma is a buyers agent
@crazyham
@crazyham 15 күн бұрын
@@ikrammalek1467 Why Not, they both do good analysis of the property market. Not so far fetched lol Many Overlapping fields of the finance and property markets collab on YT.
@PradyVK
@PradyVK 21 күн бұрын
Hi PK , I heard her mentioning something about no land tax in WA ???
@MONICAROUVELLAS
@MONICAROUVELLAS 21 күн бұрын
@PradyVK, just to clarify, I actually meant NT. I got my states mixed up. I was supposed to refer to the Northern Territory. The current threshold in Western Australia is $300,000, and any land owned in either a company or trust (regardless of the type of trust) will be assessed separately to land owned as an individual or held in any other structure.
@PradyVK
@PradyVK 21 күн бұрын
@@MONICAROUVELLAS Thanks for clarifying that !
@JorgeGarcia-di9ot
@JorgeGarcia-di9ot 11 күн бұрын
There is land tax in wa
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 10 күн бұрын
Corrections: Monica meant the NT, which has no land tax. The current threshold in Western Australia is $300,000, and any land owned in either a company or trust (regardless of the type of trust) will be assessed separately to land owned as an individual or held in any other structure.
@ellenmcaleese7004
@ellenmcaleese7004 22 күн бұрын
I was o.k for the 1st 10 mins but you lost me after that.....
@crazyham
@crazyham 22 күн бұрын
Why?
@user-kt7wv7pp9g
@user-kt7wv7pp9g 21 күн бұрын
It’s not an engaging topic for most! If you didn’t get anything out of it, you might be a) not ready for the info OR b) past needing the info. Can’t people just be kind?
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 10 күн бұрын
@@user-kt7wv7pp9g 🤷🏻
@crazyham
@crazyham 22 күн бұрын
She is Smart & Very Beautiful 💥
@bellanguyen63
@bellanguyen63 6 күн бұрын
Hi Pk, could you post up Monica's contact details. regards
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 6 күн бұрын
She mentioned at the end 👍🏼
@12345xfire
@12345xfire 22 күн бұрын
Lol, good luck selling the shares of a company with an encumbered property to anyone. Not a very practical tip.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 22 күн бұрын
We discussed the difficulties of this and it may not be viable. No need to laugh at someone trying to help, for free.
@12345xfire
@12345xfire 22 күн бұрын
​@@AusPropertyMasteryWithPKDidn't mean to come off as negative PK, all strategies are worth weighing. Definitely worthwhile info in the video.
@Antler0
@Antler0 22 күн бұрын
May I ask why is it different to sell the shares with an encumbered property? Does banks not allow it?
@lasol2474
@lasol2474 22 күн бұрын
This is the bit I don't understand. Why is hard or harder to sell a property under a company than in someone's name? I thought if it is a good property, in good location and the price is right. Why is it any harder? Can someone elaborate?
@MONICAROUVELLAS
@MONICAROUVELLAS 21 күн бұрын
@@Antler0 You need to have a buyer who would be willing to acquire an existing company. So you're basically limiting yourself to a small number of investors who'd be open to this idea.
@zeniesagie3802
@zeniesagie3802 22 күн бұрын
Hi Pk, keen to get Monica's contact and seek her assistance in setting up a Trust.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 22 күн бұрын
She mentioned her email at the end
@trogdortheburninator8149
@trogdortheburninator8149 21 күн бұрын
Ha if she thinks banks will “endlessly lend” solely on equity just by setting up a trust shes sorely mistaken
@jaytee6960
@jaytee6960 18 күн бұрын
I don’t recall her ever saying that at all. My takeaway was start with your end goal and talk to your accountant and solicitor to come up with a strategic plan. It’s never a one-size-fits-all scenario. I gained lots of valuable info and insights for free. Thank you Monica and PK!
@yoonisgale7431
@yoonisgale7431 17 күн бұрын
and at 4:50 she mentioned that as long as she have the deposit.. heaps of valuable insights for almost an hour here from a solicitor for free! big thanks❤ thank
@simongaviri9004
@simongaviri9004 22 күн бұрын
Hi PK and Monica thanks very much for your presentation which I have learn a lot from. Simon Gaviri . Property Investor. WA
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