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About the authors vii Introduction ix 1 Getting a foot in the door 1 2 Hitting the market 21 3 Taking the next step 43 4 Moving on up 59 5 Managing your fi nances through life?s changes 79 6 Time to invest 93 7 Selecting a high-growth asset 115 8 Consolidation and review 137 9 Selecting an income-driven asset 155 10 Fulfi lling the dream 173 Index 183
Mark Armstrong and David Johnston are Directors ofProperty Planning Australia, a company that develops property,finance and financial planning strategies for local, interstate andoverseas clients. They are prominent and respected commentators onproperty and finance issues, with regular appearances in TheAge, Sunday Age, Australian Property Investormagazine and Your Mortgage magazine. Mark and David alsowork in partnership with Victoria University, lecturing on theprinciples of property investment. Mark holds a Bachelor of Business (Accounting) from RMITUniversity, is a Certifi ed Practising Accountant and member of theReal Estate Institute of Victoria. He lives in Melbourne with hiswife Libby and three children Jack, Ben and Emily. David holds a Bachelor of Applied Science from Deakin University,is an accredited member of the Mortgage and Finance Association ofAustralia and also sits on the Association's Victorian StateBrokers Committee. He grew up in country Victoria and came toMelbourne 15 years ago to pursue education, sporting and businessendeavours. Fiona Marsden is a professional writer with extensiveexperience in property and fi nancial services. She has contributedto several books and written articles for The Age, SundayAge and Australian Property Investor magazine.