The majority of the world’s wealth is created through property acquisition and subsequent appreciation. Most people assume that in order to take advantage of this strategy, they need to make large down payments. But this is not at all the case. It’s totally possible to get into the overseas real estate market with a small deposit of only USD10,000 and even less.

The great thing about buying real estate is that historically, it doubles in value every 7-10 years. Because you leverage your investment by borrowing from the bank, but the bank doesn’t share in the capital appreciation of your property, real estate is one of the best wealth building strategies. And there’s the added comfort that it will always be there because it’s real.

When we buy property, we primarily shop for four walls and a roof, but we scrutinize completely. Strangely, we are rarely as discerning when it comes to arranging a mortgage. But the costs of servicing a mortgage can be up to 50% of the total cash outlay of an investment in real estate. Chances are strong that you can get a better financing arrangement than you had when you first purchased your property and the savings will likely be substantial.

At Discretion Wealth Management we offer our clients what we believe to be the most flexible and cost efficient way of borrowing. Usually this means that clients will borrow on an interest only basis. At the end of the selected mortgage term the bank requires full repayment of the outstanding mortgage amount and by utilizing flexible offshore regular saving vehicles this can be achieved more efficiently than with traditional mortgage products.

Mortgage rates globally are at historic lows. When you first purchased your property, the mortgage rate at that time was most certainly higher than can be found now. Even small changes in interest rates can make huge differences in total cash outlay over the life of a mortgage. If achieving significant cash flow savings looks attractive to you, you should probably give us a call today: 852-2970-4546.