Tax and legal advice
good tax accountant

How a property investor chooses a good tax accountant

By Bianca Dabu

One of the most important part of a good journey in property investing is an effective financial team that will guide the investor towards the right decision, making the most out of his hard-earned assets. How can a tax accountant be helpful in an investor’s journey?

Together with Smart Property Investment's Phil Tarrant, Rich Harvey of buyer’s agency Propertybuyer answers one of the most frequently asked questions about property investment: 

Do investors need a good tax accountant?

Rich Harvey: I’d say absolutely yes. I think, you know, I always use this line, ‘You don’t know what you don’t know. If you want to be an expert in tax law, go ahead and youll get insomnia reading the tax act. I definitely think you need a good accountant.

What should they look for in an accountant?

Rich Harvey: Youve got to find one that regularly works with property investors, thats a key. One that understands the ins and outs and the benefits of tax law around property investment.

Find also one that obviously sticks within the tax law and is not too aggressive in terms of their structures and their approach, and one that just gives you a tailored solution for your own individual circumstances. You dont just want an off-the-shelf accountant that has just one solution for everyone. It is very much a tailored solution. So find someone thats got experience and ask.

Phil Tarrant: Im pro advice, so I dont proclaim to be an expert in property investment, but Im pretty smart and understanding that I need people to help me create wealth through property. So from absolute get-go, I said, I need to get people to help me out, and they are a good accountant, a good mortgage broker and a good buyers agent. All these guys are property investors and they get it.

Should investors try to get everything and anything they can back through their accountants? Or is it more important to find someone who really knows property?

Phil Tarrant: Its a much bigger question than that. Its about an accountant understanding what youre trying to do by investing in property. Obviously, its a wealth creation tool, investing in property. Ill speak anecdotally, a lot of accountants will be looking at how to maximise your tax return as much as possible. Or if youre self-employed, trying to pay as little tax as possible. Obviously, that all needs to happen within the confines of the law.

But if youre looking to drive down your income and not show profitability in the business, thats really going to impact your ability to borrow. So as a property investor, what do you need? You need to be able to borrow money. How do you borrow money? Well, you need to be able to show to the bank that you can service a mortgage. Now, if you can’t do that, its going to essentially hamstring yourself rapidly in terms of investing in property moving forward. So, specifically with an accountant, you need to actually get an accountant who understands what youre trying to achieve that has a strategic view on this and not just be a compliance operator. They need to go be an adviser.

Rich Harvey: Thats right. Theyve got to look at the structure, its not just about tax minimisation. Its about getting the right structure in place. And as Phil said, youve got to prove serviceability. Serviceability to the banks is gold. That enables you to then buy more properties and grow your wealth. Thats a really key thing.

Tune in to The Smart Property Investment Shows Q&A session to know more about building a financial team, investing in trust structure and other wealth creation efforts.

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FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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