21st Century Property Direct - How to Buy Property Virtually No Money Down and How to Build a Property Portfolio of Ten Properties or More Within Ten Years...

What does it take to become a property millionaire today and how do you build a successful portfolio to achieve financial independence in less than 5 to 10 years using little or none of your own money? And is it possible to buy property at real discounts to market value making instant profits?

The property market has created tens of thousands of Australian millionaires over the past 10 years. Average Australian's who have had the fortune and foresight to secure their financial future by purchasing real estate are seeing their investment massively grow
in value, sometimes by hundreds of thousands of dollars per year.

From nothing to $20 million worth of property in less than 10 years

The Property Direct Membership Program is based on the real life experience of one of Australia's most successful multi-millionaire investors and success coaches, Mr. Jamie McIntyre (and his associates) who at the age of 35, has secured over $20 million of property throughout Australia, after being virtually broke just over a decade ago. Even if you're a skilled property investor with an established portfolio, you can learn from the experience of this property mastermind and his property mentors. It's your opportunity to get what you truly want out of life right now, and profit from Jamie's success and failures, saving yourself decades of pain and frustration.

Jamie McIntyre

Why do 21st Century Academy Members & Property Investors need Property Direct?
Whilst 21st Century Academy Members & Property Investors understand how to establish or expand their property portfolio, we found that some Members need additional support in taking the first step, and even for the second and subsequent steps.

Welcome to 21st Century Property Direct
21st Century Property Direct was formed to meet the large demand created by 21st Century Members and friends wanting quality properties at discounted prices. It makes available a wide range of properties from $250k upwards and in a variety of property hotspots throughout Australia. The Property Direct Membership has been designed to benefit our 21st Century Homestudy Members and friends by providing access to exclusive real estate education and opportunities plus we have negotiated the best deals possible for you, giving you the power to access investment properties for less than the market value and in some circumstances with virtually no money down from developers selected by Property Direct. We have taken a lot of the hard work out of property investing for you.

This 21st Century Property Direct Membership will empower you to achieve unlimited real estate success and reach whole new levels of financial success.

What is the 21st Century Property Direct Membership?
The 21st Century Property Direct Membership is our way of bringing 21st Century Academy Members and Property Investors into the Inner Sanctum, where they get the direct benefit and the backing of a team of specialists such as (Qualified Real Estate Agents, Quantity Surveyors and Property Development Specialists) working on securing the best deals.

Being a 21st Century Property Direct Member is just part of smart investing. It gives you the security of knowing that you're not alone - that you have an experienced team holding your hand so to speak and doing the hard yards for you.

Value well beyond the cost of membership
Investing in property continues to be one of the best ways of building wealth, which is why developing a property education and finding great properties to invest in is often so difficult.
For instance if you were to ask a large developer for a discount on a property purchase and if you were only buying a single property it's unlikely they'll give you much of a discount, if any at all. But when 21st Century Property Direct is able to negotiate $160 million worth of property at a time, it's not hard to see why a substantial discount can be negotiated for the benefit of our members.

We invite you to become a Member of Property Direct, an exclusive property program developed by 21st Century Academy. By joining 21st Century Property Direct, you will be able to achieve the same results as a sophisticated property investor. Plus, you'll have all of 21st Century's vast nationwide real estate market knowledge working for you, providing you with expert advice and exclusive investment opportunities on quality residential property.

Selecting Properties
Potentially the most valuable benefit of 21st Century Property Direct. Our expertise essentially removes the guesswork from a property investor's most common concern, "Is this particular property a good investment, and how do I find the high capital growth areas?" by doing this for you.

We have a team of dedicated full time property professionals whose task is to work all year round, scouting for the right opportunities, and preparing briefs on literally hundreds of projects or potential development opportunities, right across the range of prices and locations. Those developers are then assessed against a comprehensive list of criteria, including if their developments have rental demand, transport infrastructure, availability of local shopping, transport and schooling, council planning for the area, builder's and developer's experience, floor plan design and specification of finishes, to ensure we choose only high capital growth investment projects on behalf of our clients.

As a Member of Property Direct, you'll benefit from exclusive access to developments by being the first to hear about new projects. In the vast majority of cases Property Direct projects will be offered by selected developers to Members first, before they are released to the general public.

Maximised Finance Solutions: Property Direct can introduce you to our professional finance company, 21st Century Finance which specialises in obtaining the highest possible leverage for their clients - up to 106% LVR. They can take care of all your deposit bond and bank guarantee needs and you receive a discount off the standard variable interest rate because you're a Property Direct Member, which alone can save you thousands.

21st Century Finance also specialises in obtaining finance for low income, non-conforming borrowers, and they can even create you a personal cash-flow plan to improve your borrowing capacity and banking status, even if you are currently considered high risk by banks. Email finance@21stcenturyfinance.com.au or phone 1800 444 710 for a free consultation.

Project Updates, Workshops and Newsletters
As a member of Property Direct, you'll be informed about the progress of your investment on a regular basis for the life of your project. You'll also receive additional information, valuable investment tips and advice, and opportunities to increase your knowledge and education about property investment from leading property experts through regular newsletters and workshops.

We'll teach you how to stop renting, and finally buy your first home or even multiple investment properties using virtually $0
Are you currently renting but wish to live in your own home? Have you wanted to become a property investor, but don't have the equity or deposit money to secure your first investment property? We will teach you how to buy multiple investment properties using virtually none of your own money.

Purchase property up to $5,000 to $20,000 below current market value
Thanks to 21st Century Property Direct, you'll never have to buy property at market value again.
You will learn tactics on how to buy property in the best suburbs at discounted prices... sometimes up to $5,000 to $15,000 below the vendor's price. Plus we'll also do it for you.

Thousands of ordinary people just like you, many who earn less than $50,000 per annum have created hundreds of thousands, even millions of dollars in capital gain profits by following a proven step-by-step system, allowing them to go from average to rich in only a few short years.

"I had always been interested in property investing. I had originally watched a property investing video way back many years ago and as soon as we were able we bought our first home in 1996, then our very first investment property in 2000. Through a course of events too weird to explain we ended up with three properties in 2002 (while trying to sell one the contract fell through and we had to keep it, which turned out for the best anyway!).
It was at this time I was searching for more answers about property investing, after we sold one of the properties, when I found Jamie's book on ebay. As soon as I read it I was hooked. It was simple and made total sense. I signed up for the course and subsequently found finance immediately through 21CA brokers for a Line of Credit, then another property, and then another! Trying to talk to the banks ourselves got us nowhere but the finance brokers we used through 21CA were amazing. So today we have five properties which is something I never thought would be possible for us so soon. Without 21CA we wouldn't be in this great position today and we have confidence with the knowledge we have from the course that we will be in an even greater position tomorrow."
JEAN ROGERS

Why invest in Property?
To maximise profits for 21st Century Property Direct Members we go for typical Home and Land Packages in high growth suburbs. Remember this is an investment property, therefore we aren't looking for homes to live in but homes desirable for tenants.

Also the prices before the discount are real market prices that they sell for now. The building companies won't discount prices to individual buyers. To get discounts of $8,000 to $12,000 below these prices requires us to be negotiating as much as $160 million worth of property at any given time.

What are the main benefits of being a 21st Century Property Direct Member?

1.     Learn how to access virtually no money down property and land deals in many cases.
2.     Priority access to all 21st Century Property Direct sourced investment properties at our         'Due Diligence and Property Release 1 day workshops'
3.     2 Hour Strategic Reviews every year for 10 years with the following experts
                - 21st Century Property Portfolio Manager
                - 21st Century Accounting
                - 21st Century Finance
                - 21st Century Insurance
4.     Learn selection criteria to locate the high performing property areas.
5.     Save time by having 21st Century Property Direct Team working for you
6.     Save potentially tens of thousands of Dollars by learning how to access discounted         property deals below market price
7.     Unlimited Attendance to the '2 Day Property and Finance Mastermind Event' held every 6         months in the major capital cities around Australia.
8.     Unlimited Attendance to the '4 Day Property and Finance Advanced Mastermind Multi-         speaker Event' That's up to 40 Free seminars over 10 years!
9.     Discounted rates for 21st Century Accounting.
10.   Access to Free Legal and conveyancing services with 21st Century Legal.
11.   Additional valuable Real Estate Education, i.e, receive the 4 Day Property and Finance         Advanced Mastermind Homestudy Program

How much is the investment to be a 21st Century Property Direct Member for 10 years?
For 21st Century Academy Homestudy Member's It's $6,995 for a 10 Year Membership, or $832 deposit, followed by $833 each month for 11 months Total ($9,995) on a payment plan.
For non 21st Century Homestudy Members it's $9,995 for a 10 year membership, or $995 deposit, followed by $1,000 each month for 11months Total ($11,995) 21st Century Members save a massive $3,000.

Can I access more than 1 property for my Membership?
Yes, you can access unlimited properties throughout your 10 year membership.

What type of properties and what locations are available?
Properties are generally residential House and Land, Townhouses, and apartments, in areas that are considered achieving above average property growth.

How soon will I have to wait to get a property?
Generally no more than 30 to 60 days in most cases only a matter of a few weeks.

What if I live in New Zealand or outside of Australia?
You can still access the properties like Australian clients can and we can help with finance via 21st Century Finance.

How much can I save off the average property presented by developers to 21st Century Property Direct Members?
We can't guarantee how much in savings, as just getting a property at an excellent price, in a high capital growth area with 2 year rental assurance and with virtually no money down is a massive benefit, even before a discount. However, a typical new home might be $345k
House and Land Package at market value but made available to Property Direct Members for around $333k, saving nearly $12,000.*

Or another example was, $285k properties for $273k, a saving approximately $12k for members. Discounts vary from $5k to $15k generally. Generally the discount you receive is paid back to you after settlement in the form of a discount cheque. Once again this is only available to members who joined 21st Century Property Direct. Consider it a nice bonus for being a 21st Century Property Direct Member.

Plus you also receive 2 new books, "What I Didn't Learn From My Real Estate Agent But Wish I Had," and "What I Didn't Learn From My Financial Planner But Wish I Had." And the entire 4 Day Property and Finance Mastermind Homestudy on DVD/MP3.

	21st Century Homestudy Members receive a $3,000 discount
	1.   $6,995 FULL PAYMENT
	2.   PAYMENT PLAN: $832 Deposit + $833 x 11 months ($9,995)
	NON 21st CENTURY HOMESTUDY MEMBERS
	1.   $9,995 FULL PAYMENT
	2.  PAYMENT PLAN: $995 Deposit + $1,000 x 11 months ($11,995)

Become a 21st Century Homestudy Member
The 21st Century Homestudy Membership starts from only $49 per week and comes with a 30 Day 100% Money Back Guarantee & saves you $3,000 off currently the 21st Century Property Direct Membership i.e. only $6,995 for 21st Century Property Direct Membership vs. $9,995. To become a member and to read more click here

PROPERTIES AVAILABLE click on images for larger view

House & Land Packages available from $345,000 with discounts up to $12,000 to 21st Century Property Direct Members.

WHY INVEST IN PROPERTY?
HOW TO BUY AND ACCESS VIRTUALLY NO MONEY DOWN PROPERTY AND LAND DEALS AT SUBSTANTIAL DISCOUNTS VISION PURPOSE TRANSFORMATION ACTION FREEDOM

Bernard Salt, author of "The Big Picture" and "The Big Shift", is Australia's leading advisor to the Property Investment and Development Industry, and has been doing commentary for almost two decades on demographic trends. He reports that in recent years there has been a sharp increase in the rate of population growth. The rate of commuters from locations to capital cities has jumped by 20%. The shift towards work-life balance has prompted many Australians to live in Queensland and commute to their workplace. Telecommuting and more flexible work practices simply fed the coastal frenzy early in the new century.

In 1950 Australia had a population of eight million, by the end of the 20th Century this was now 20 million, we added 12 million to a base of 8 million in 50 years. We are a small nation of some 20 million people in charge of the resources of a large continent.

The vast majority of millionaires have made their money through property, by taking advantage of trends like these. In fact 86% of the world's millionaires hold their wealth in property. Well known people like Donald Trump, Warren Buffett and Robert Kiyosaki have used property to amass their fortunes. A large portion of the Rich 200 in BRW made and are continuing to create their wealth from property.

It's simple when you have sufficient equity you can borrow all the money you need to invest;
the repayments can be made by tenants and as an extra bonus the Federal Government provides tax concessions to property investors. This combination makes the property investment exercise very affordable and accessible for all.

In summary, investment properties generate:

While the stock market certainly works well for many, it can be a volatile and risky roller coaster ride. The biggest challenge with successful share investments is knowledge. Competing with professional traders and business people in the know can be a losing game for the everyday investor.

Why Property? - Reasons to invest in property

Easier to understand - Property investment is generally more easily understood than share investment. Although property investment requires a certain level of sophistication it does not require the same degree of technical understanding that share investing does.

Tangibility - Property investment provides tangible evidence of where your hard earned money is going. It is much more satisfying walking through your own investment property than through the aisles of a Woolworths store in which you are a shareholder.

Control - Investing in property provides the investor with a greater level of control over their investment. When making decisions the property investor has complete influence over their investment unlike a share investor whose influence is only as great as their voting power.

High long term returns - Property has historically provided high long term returns, particularly in comparison to fixed interest and cash.

Tax efficiency - Property has a high degree of tax efficiency for a number of reasons. Firstly, its returns are comprised of a growth component that may be concessionally taxed (if held for over 12 months) using the capital gains tax discount. Secondly, property can be highly geared which results in a high deductible interest component. Thirdly, property allows the deduction of a depreciation component for building write off and plant and equipment which improve the after tax return.

History

•   Since 1929 property has on average increased by 10.8% per annum compound growth, with much higher returns in certain regions.

•   Median priced property in Australia have achieved an excellent growth rate, higher than inflation, making it a very solid investment.

•   Historically, the figures show that the average property value doubles every seven to ten years. Of course, returns vary according to the market, location and type of property, but carefully chosen properties can offer better returns than other forms of investment.

•   The Australian Stock Exchange revealed that the property market had out performed shares over the last 10 and 20-year periods. It found that, between 1994 and 2003, residential property investments generated an after-tax return of between 11.4 per cent and
9.3 per cent, depending on investors' marginal tax rates.

Leverage/High Gearing

All banks will lend you more money against residential property that any other investment option (shares, trusts etc) and that includes, and even gold bullion. This in itself is a testament to the low risk profile of property. Some banks will loan up to 106% of the value of property as they know that property always increases in value in the medium to long term at a rate faster than inflation. Therefore, if you are an investor, residential property is the only investment which will retain its true value. You can bank on it!!

Some institutions will lend you money to buy shares however the level of safe gearing is as low as 50% loan to value ratio for them, and usually it is only lent on what is called Blue Chip Shares, and ironically banks will often ask if you have property which can be used as security?

Leverage relates to the use of other people's money to create wealth - namely, the banks money. By borrowing a large proportion of the value of a property you receive the full benefits of the property while only outlaying a small portion of the property value. Leveraging is the key to profiting from property. At work is a principle whereby property prices rise steadily over time. Well positioned properties tend to double in value every 7 to 10 years.

Just think of your own house: if you knew what it would be worth today when you bought it, how many would you have bought at that price if you could have afforded to? two, three, four? Many experts predict that a house that's worth $1 million today will be worth about $2 million in 7 to 10 years' time.

With increasing birth rates, record levels of migration, longer life expectancies and demographic changes in terms of more single-person households, the pressure on property values is increasing. And owning a second property is much easier and far
more affordable than your first home.

When looking at the return on property, there are different ways it can be measured ie Gross returns, referring to the capital growth and yield from the asset, or Net returns allowing for the costs in achieving the gross returns.

Australia's property market generated a 16.9 per cent total return in the year to end-June, 2007 according to data published by the Investment Property Databank (IPD) and the Property Council of Australia.

The income generated by property (rent) is safe and also increases at a rate equal to or faster than the rate of inflation.

Again, you can use the lending institutions as a yardstick. When you ask for loan for property all banks will take into account the rent that the property will generate (even if the property is not even built or if it is vacant at the time of application). This feature makes property even more attractive as it allows you to borrow more money and helps you repay your loan as rental income is consistent and reliable. It will cost you less from payday to payday to repay your loan for property than a loan for any other purpose.

If you want to check this ask your parents or a relative what they paid for their house, what it is worth now and when they bought it and do the calculation yourself. Then ask them if they thought it would be worth as much as this when they bought it.

Example

The most common question people have is "Surely property cannot keep on going up in value?" The answer to this question is yes it can. In 1967 the average wage was $55.00 per week and the average house price was $12,000.00. Currently the average wage is approximately $1,000.00 per week with the average house price at $504,000.00. The average house price in 2027 is expected to be $1.88 Million.

Taxation benefits

To minimise your tax (and receive your deductions each payday) property is the most tax effective investment of all. Under the Division 15 of our Taxation Legislation, you can claim your investment costs with property on a regular basis rather than waiting for an annual return. This increases your take home pay significantly thus allowing you to pay your loan by using our Tax Laws as a wealth building tool rather than a black hole in the various Federal and State Treasuries.

The taxation benefits of an investment property can significantly offset the cost of owning a property.

• Stamp duty can be capitalized to reduce future capital gains tax
• Expenses (i.e. maintenance, letting fees and commissions etc) are all tax deductible!!!
• Depreciation of building and fittings can be used to offset other income and improve cash flow
• If you sell, 50% of capital gains are exempt from tax (if held for more than 12 months)

Capital losses can be offset against future capital gains. The Tax Office wants to ensure that people understand how to declare rental income and claim deductions correctly You may be able to claim an immediate deduction in the year you incur rental expenses such as advertising for tenants, insurance on the building. However, some expenses like renovation costs are claimed over a number of income years.

You will need to apportion your expenses if any of the following apply to you:

If you own an investment property, you may be able to deduct certain construction expenditure. These are called capital works deductions and, depending on the type of construction and the date construction commenced, the deduction is spread over 25 or 40 years.

Deductions based on construction costs apply to capital works such as:

• A building or an extension - such as adding a room, garage, patio or pergola.
• Alterations - such as removing or adding an internal wall, or
• Structural improvements to the property - such as adding a gazebo, carport, sealed driveway, retaining wall or fence.

You can only claim capital works deductions for the period your property is rented or is available for rent. If the construction costs are incurred by a previous owner, you can claim any un-deducted construction expenditure as the new owner provided the property continues to produce income.

There are three categories of rental property expenses you can claim:

• Expenses for the year you paid them, like council rates, repairs, insurance and loan interest.
• Expenses that are deducible over a number of years, repairs, insurance and loan interest, and
• Expenses that are deductible over a number of years, like borrowing costs, creating structural improvements and costs of depreciating assets.

You cannot claim costs associated with acquiring or disposing of a property, but they may form part of the cost base of the property for capital gains tax purposes.

Renovation costs and costs to repair damage, defects or deterioration existing on the purchase cannot be claimed as an immediate deduction. These costs are capital expenditure, depending upon what is repaired or improved, and must be claimed as either decline in value deductions over the asset's effective life, or as capital works deductions over 40 years. (Source ATO).

What should I look for in an investment?

You wouldn't want to take a guess at how many suburbs there are in Australia, let alone homes. So how do you select where the best place to invest is? The key is choosing a highly desirable property. Purchasing a home that everyone wants to live in will help ensure that you get good capital growth and/or rental returns.

The golden word for property investment is 'median.' This may seem contradictory as we
just mentioned desirability, but having a desirable property means the majority of the population want to live there. As a result you should select a median property with a median value. Why? Because the bulk of the population live in these homes which makes them well sought after.

... You should select a median property with a median value ...

Real estate typically goes up in value... WHY, when the house depreciates in value????

The government gives us tax concessions for the actual physical home each year because the
house is depreciating, but we know that real estate goes up in value each year? e.g. Buy a door from Bunnings today for $50 and that door will be worth what in 7 years? Maybe $5, more likely nothing, because it is used and second hand, but our real estate has continued to increase in value.

Why is this so? 'Land Value'

The true value of a residential property involves much more than the size, age and condition of a dwelling. The land value, driven by supply relative to demand, is the most important factor that determines the worth of your asset.

Land value dramatically increases in value NOT the physical home.

Land is scarce. So houses are obviously better than units, having a much higher land content which makes them improve in value faster! In fact, the house on the land is insignificant it is only there as a cash flow tool to pay-off the debt.
Land values in high capital growth areas can typically account for between 60% and 70% of the value of a given property. In rare circumstances, intense demand for entry into a locality can mean land values account for 100% of a sale price. In general, areas that are well established and close to the CBD and popular amenities like schools, shops, entertainment complexes and playgrounds will have stronger innate land values. The attractions of a given location can override any other consideration, as evidenced by the number of investor-developers who buy eminently liveable homes and demolish them to make way for new developments. Their justification might be, "We bought the block, not the house."

The obvious characteristic that will help ensure you get good returns to help service the debt, is investing in a good location. By this we mean an area that is well serviced by transport, close to shops, schools, medical facilities with plenty of job opportunities. There needs to be a reason for people to want to live there, and the more facilities there are the better. Increases in the land value of a well-situated property can add as much to its value as refurbishments to a property in a less sought-after area.

The greater the land component as a proportion of the overall value, the safer your investment is from depreciation through household wear and tear, structural degradation or changing architectural fashions.

	21st Century Homestudy Members receive a $3,000 discount
	1.   $6,995 FULL PAYMENT
	2.   PAYMENT PLAN: $832 Deposit + $833 x 11 months ($9,995)
	NON 21st CENTURY HOMESTUDY MEMBERS
	1.   $9,995 FULL PAYMENT
	2.  PAYMENT PLAN: $995 Deposit + $1,000 x 11 months ($11,995)

Become a 21st Century Homestudy Member
The 21st Century Homestudy Membership starts from only $49 per week and comes with a 30 Day 100% Money Back Guarantee & saves you $3,000 off currently the 21st Century Property Direct Membership i.e. only $6,995 for 21st Century Property Direct Membership vs. $9,995. To become a member and to read more click here

21st Century Property Direct Terms & Conditions click here

21st Century Property Direct Privacy Statement click here