Real Estate Investing FAQS
What makes Ian Payne at Property Planning different from other investment advisors?
Ian brings a unique combination that transforms your property investment experience. Unlike typical advisors who specialize in just one area, Ian is a qualified real estate agent, accountant and finance broker, giving you comprehensive expertise that usually requires consulting three different professionals.
But here’s what really sets Ian apart: he’s genuinely invested in your financial success. His approach focuses entirely on creating happy, successful clients who achieve their personal dreams and financial goals. When you succeed, Ian succeeds, it’s that simple.
Your first meeting reveals this difference immediately. Ian won’t try to sell you anything. Instead, he’ll invest time understanding your unique situation to create a comprehensive
Is that specific investment mentioned in your posts the only option you offer?
Absolutely not! The beauty of working with Ian is discovering the range of possibilities available to you. Every person’s situation is unique, which means your perfect investment strategy will be tailored specifically to your circumstances.
That particular investment might be ideal if you have a backyard but it may not suit your situation at all. Once Ian understands your goals and circumstances, he’ll present one or more recommendations designed to deliver maximum benefit for your specific situation.
Your investment success depends on finding the right fit for YOU, not following someone else’s strategy.
How can I learn more about property investment?
Here’s the challenge with trying to learn everything: while you’re spending years studying, profitable investments are passing you by and those opportunities could be paying off handsomely during your learning period.
Ian has solved this dilemma by writing “Don’t Buy Property, Until You Read This Book” (available on Amazon for $19.90). This gives you the essential knowledge you need without the years of research.
But remember, knowledge combined with expert guidance accelerates your success. Ian’s personalised advice ensures you apply what you learn in ways that specifically benefit your situation.
Where's the magic location to invest in right now?
This is one of the most dangerous myths in property investment! Promoters often highlight locations that performed well recently, but past performance never guarantees future results.
Similarly, expecting poor-performing
areas to automatically boom is unreliable speculation, not smart investing.
Successful property investment depends on analyzing multiple factors specific to your goals, timeline, and financial situation. There’s no “magic location” but there is a perfect strategy for your circumstances.
Ian’s comprehensive planning approach identifies opportunities that align with your investment objectives, not yesterday’s headlines.
My current investment property isn't performing as hoped. What can I do?
Don’t assume selling is your only option! Ian will analyse all factors affecting you and your family’s situation before recommending the best strategy.
If selling proves optimal, Ian guides you through maximising your outcome while minimising potential problems. Often, however, there are alternative strategies that can transform an underperforming investment into a success story.
Your current challenge could become the foundation for your investment breakthrough with the right expert guidance.
My accountant says I need to invest for tax reasons and recommended a specific agent. Should I proceed?
Smart question! If that agent matches Ian’s expertise in property analysis, finance, and accounting, while considering your complete situation, they might offer comparable advice.
However, be cautious of recommendations based solely on tax losses. That strategy might not serve your best interests.
Meeting Ian before making any purchase is always wise. It’s better to invest with comprehensive knowledge than jump in and face expensive corrections later. Get it right from the start rather than regretting hasty decisions.
We've banked with the same institution for years and trust them completely. Why consult Ian?
Your bank loyalty is admirable, but remember, they can only offer their own loan products, not necessarily the best options for your situation.
Ian often notices when clients don’t fully understand their options and excels at making complex financial concepts simple and clear. As a finance broker, he accesses multiple lenders, potentially securing better terms than your bank offers.
More importantly, most people follow what “everyone else does” but most people fail to maximize their investment potential. Why settle for average results when extraordinary outcomes are possible?
I understand money and investments well enough to make my own choices. Do I really need advice?
The three most expensive property investment mistakes are:
- Lack of planning
- Inadequate financial analysis
- Poor advice
The costliest mistake? Starting your investment journey by buying a property you personally like. This approach ignores what actually delivers investment returns and severely limits your wealth-building potential.
Many people “invest in haste and regret forever.” With Ian’s proven guidance, you can get it right from day one and avoid joining the ranks of disappointed investors.
Your confidence is valuable, combining it with expert strategy makes you unstoppable.
How does Ian earn money? Will the commission influence his recommendations?
Ian typically receives commission, but here’s his approach: he never lets that influence his recommendations to you. His best reward isn’t monetary,
it’s your referral of friends who benefit from meeting him after experiencing his excellent service.
Ian’s focus remains on helping you maximise your potential. When you achieve your financial dreams, everything else follows naturally.
This client-first approach has built Ian’s reputation and success, your success is his success.
I simply want to buy a house my child can inherit. Why do I need planning?
Your desire to provide for your child is wonderful! However, there may be more effective ways to achieve that goal and possibly accomplish much more.
Understanding your options never hurts and costs nothing more than a cup of coffee with Ian. (Just a weak black, please!)
You might discover strategies that not only provide your child’s inheritance but also create additional opportunities you hadn’t considered. The end result could exceed what you imagine possible on your own.
Why settle for good intentions when you could achieve extraordinary outcomes?
Wouldn't I be better off investing in shares without borrowing? That seems simpler – just collect dividends with no management required.
That approach has definite merit, it’s simple and requires minimal involvement, like earning fixed interest but with generally better prospects.
However, consider the opportunities you might miss. Using borrowed money (gearing) can multiply your return on investment when properly understood and implemented. The key difference? Lenders have far more confidence in property than shares, offering better leverage opportunities.
While shares depend on companies remaining sound businesses and can change dramatically overnight, land is permanent. No more will ever be created and it will always became scarcer.
Most importantly, Registered Financial Planners often cannot provide property investment advice due to association limitations. Ian’s comprehensive qualifications ensure you get complete guidance for your wealth-building journey.