About Us

Since 2015,Heaven Investment has revolutionised the property buying process for thousands of Australians creating a streamlined investment platform supported by determined professionals striving to deliver excellence.

Our investment model combined with meticulous expertise in the residential Sydney property market, continues to transform the lives of many Australians...

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Analyse yourself What type of investor are you?

There are many uncertainties when considering property investment: where to buy, how many properties do I need, do I buy established vs off-plan, what type of investor am I, the list goes on.

But if you start with the end goal in mind and invest strategically, you’ll not only work out what kind of investor you are, but also how far you can go. At PIA, we start with your ultimate goals.  What are your needs – both now and into the future – what is it you’d like to achieve? This assists in determining the type of investor you are and what it will take for you to achieve your goals. Then we’ll draw up a personalised property investment strategy based on these needs and the type of investor you are (or want to become).

To help you decide what type of investor you are, you should start with two questions:

  • How comfortable am I with investment risk?
  • How involved in my investment strategy do I want to be?

The first points to your understanding of risk versus reward (return). When considering your preferred level of risk and return, timeframe plays an important role. The second determines how active, or hands on, you are in your property investment journey. Generally life stage plays a strong role here.

We’ve identified three types of investors that we typically see on the property investment spectrum:

Why buy off-the-plan?

Buying ‘off-the-plan’ entails entering into a legally binding contract to purchase a property before it reaches the stage of final development and occupancy approval. At PIA, it also means exclusive access to quality product that isn’t available to the open market.

Buying off-the-plan can represent significant financial gains for a buyer. In Australia, buyers can enjoy tax depreciation benefits, can access Government grants and incentives and can enjoy owning a ‘new’ property without paying the market premium.  First-home buyers around Australia can enjoy exemptions and concessions of stamp duty for properties purchased off-the-plan.

Benefits to buying off the plan:

  • Secure a high value asset for a low initial capital outlay – After an initial deposit is made (usually 10%), the entire payment doesn’t need to be paid until the property has been built, giving you time to organise your finances, or sell your existing property.
  • Lock in a price at today’s value – a big advantage of buying off the plan is that you will pay the current market price for a property, even though it will be completed in the future.
  • Increase in property value – If the market experiences growth, the property you purchase off the plan today may increase in value when you settle up to two years later.
  • Tax advantages – If purchasing for investment purposes, you may be able to claim depreciation on your tax for items like fixtures and fittings*.
  • Government Grants and incentives – in NSW In NSW, off the plan buyers may be eligible for:
  • New Home Grant Scheme^ - a $5,000 grant (provided that the value of the new home does not exceed $650,000 and the value of vacant land does not exceed $450,000).
  • First Home Owner Grant Scheme - For eligible transactions made on or after 1 January 2016, the grant amount is $10,000
  • Stamp duty savings in some states – State governments (in certain states) offer bonuses and reductions in stamp duty for buying off the plan which can save you thousands of dollars.
  • Seven year builders guarantee – Newly built properties in Australia come with a 7 year builders guarantee which means structural or interior building faults must be repaired by the builder.
  • Be well informed, so ensure that you do your research and seek further information. 
  • Contract terms - It is essential to have a comprehensive contract that sets out exactly what you are buying – from the features, fixtures and fittings to the insurance, voting rights (if it’s a strata property), timeframes and dispute-resolution processes.
  • The rise and fall of the property market – the risk that you may pay too much for a property if the market falls between the exchange of contracts and building completion.  Do your research on prospective property locations.
  • Expectations – generally you will not see the property until construction has completed. Ask plenty of questions, review the quality of fixtures and fittings, make informed decisions.
  • Interest rates – Whilst currently low, Interest rates could in fact increase before you settle on the property, particularly if you wanted to fix the term of the loan at the current interest rate.
  • Bankruptcy – Many buyers fear the developer could go into liquidation before the project is completed. Do your research. 
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