Many different types of intelligence exist. You can have emotional intelligence that makes you better at dealing with people. Perhaps you have spatial intelligence, which might make you a better footy player. Or you might have the ordinary, good old-fashioned intelligence that means you excel in academic pursuits.

But did you know that there’s a specific intelligence for buying or investing in real estate, too? It’s called Property IQ, and those who tend to succeed most in the property industry also tend to have more of it. Lucky for you, if you’ve come to Premium Mortgage Group wondering “How much can I borrow?”, you won’t necessarily need any Property IQ – because we’ll provide it for you.

What is Property IQ?

There are plenty of reasons to buy a property: You might have finally found your dream home or perhaps you want to invest in a valuable asset for your future. While there’s many a mortgage broker who will help you secure your home loan for these purposes and call it a day, at Premium Mortgage Group we go the extra mile.

We’ve had more than 15 years in the industry. In this time, we’ve met with people of all different backgrounds and desires looking to buy a piece of real estate, and we’ve noticed a few things. We’ve found from experience that people tend to buy homes based on advice from a real estate agent, or someone else who has an existing interest in the property they’re considering. After all, buying or selling property are complex affairs for anyone, and if you’re no property market expert, why not trust the advice of an informed professional?

But what if you had independent, detailed data about the state and future of the national property market? Or about the particular area you’re thinking of buying a house in, and even the specific property itself? What if you knew how much the current owner paid for the property, when it was last sold or how it compares to the market? Would that influence your thinking?

With Property IQ, all these facts are at your fingertips.

Simply put, Property IQ is real time critical information about the property you have your eye on. Unlike your average finance broker, we’ll gather the information to create a fact-finding profile of your property and its location, and use our years of experience to advise you on what to do next.

Best of all, as a valued client of Premium Mortgage Group this service is complimentary. This means that, while you’re working out a budget on a home loan repayment calculator, you won’t have the added headache of paying extra to ensure you’ve found the right home.

Can I use Property IQ and why do I need it?

It never hurts to be able to make an informed decision. Knowing a property’s history, if it’s a new build and how it compares with its surrounding market is all information that allows you to make confident decisions about its value today and if it’s the right piece of real estate for you.

Buying a home is one of the most pivotal decisions you can make in your life. Whether good or bad, the results have the potential to impact your future in significant ways. You’ll want to leave nothing to chance when it comes to making the choice of what to buy and when. Not only that, but having a fuller understanding of the property, the market and the surrounding area will help ensure you’re on the front foot when it comes to negotiating.

As for who can make use of Property IQ, there’s only one question you need to ask yourself: Do I want to buy a property? If you answered “yes”, then Property IQ is for you. Whether you’re a first-time buyer or an experienced investor, our service can help you achieve your goals.

Buying a home is not like getting dessert – it’s unlikely you’re going to get second helpings as soon as you’ve finished the first. By and large, home buyers tend to have gaps between the purchase of their first and second properties. In that time – which could be years, even decades – a lot of things can change.

While you’ve been enjoying domestic bliss without a care in the world, market conditions may be vastly different. You may no longer know what the up-and-coming areas are in terms of real estate or if it’s a good time to buy or sell. Premium Mortgage Group can help fill in those gaps for you.

What do I need to know as an investor?

If you’re a property investor who’s been around the block a few times, or even if you’re a novice who’s trying her or his hand at investing for the first time, you probably know that property investment is not for those who like a hands-off approach.

On top of figuring out which area will provide you with good value growth, you’ll need to also think about what type of house to buy and which sales method you’ll use to purchase it. There’s also setting weekly rents and working out an investment strategy. Even for a seasoned professional, it’s a daunting list of tasks.

But if you choose Premium Mortgage Group as your mortgage broker, we’re happy to take at least one of those burdens off your shoulders. With Your Property Choice, we can help you find the right property to invest in and assist you in making an informed decision about whether or not it will become a profitable venture down the line.

There are a number of factors a property investor has to be aware of before committing to a piece of real estate. What is the surrounding neighbourhood like? Is it an area that is set to experience growth and development, and thus raise property values? How much is weekly median rent and are the vacancy rates favourable? This is all crucial information that you may not have the time or means to find out before using a borrowing power calculator and taking out a loan.

Doing your due diligence with Your Property Choice

Your Property Choice is our property investment service that provides you with the power to invest with confidence. We’ll do fact-finding to create your investor profile, provide you with a summary that explains the ins and outs of property and the importance of such a profile and go through the process of property sourcing.

We even provide a service of due diligence with a national valuer – Herron Todd White (HTW), Australia’s largest property valuation group. If the need arises, we can discuss the possibility of engaging with HTW property economists for state by state information on areas of growth, so you have a better idea of where you should invest.  We’ll support you in finding the value of a property, whether above or below the market price, or if there are any attributes about the area that may make you change your mind, limiting the chance of buyer’s remorse when all is said and done.

So if you’re looking for a finance broker in Sydney or Townsville, don’t leave your visit until the end. Make Premium Mortgage Group your first port of call when setting out on a new property venture.