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Raj Kempalingannavar

Do you have any query? Let’s talk

Raj Kempalingannavar

Do you have any query? Let’s talk

About

About Me

Before I transitioned into real estate, I spent over 19 years in the fast-paced world of digital media. But my true passion for property investment led me down an exciting new path. As a hands-on investor, I dedicated time and effort to mastering data-driven decision-making in property investing. The result? We quickly scaled our portfolio to generate a five-figure monthly rental income, bringing in around $250,000 in passive income annually. Now, as a dedicated mortgage broker, I’m committed to helping others achieve similar success by securing the right finance solutions and making strategic property investments!

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What Distinguishes Me?

  •   Strategic mortgage broker: As a dedicated mortgage broker, I combine my investment experience with finance expertise to help clients secure the right loans and make sound property decisions.
  •   Passion for property investment: A deep-rooted passion that drove me to shift careers and focus on real estate investment.
  •   Hands-on investor experience: Personally invested in and built a successful property portfolio, mastering the art of data-driven decision-making.
  •   Client-focused approach: Committed to guiding others to financial success through strategic property investments and tailored finance solutions.

Services

What I Offer?

My mission is to helping customers achieve their homeownership dreams and grow their property investment portfolios with personalized mortgage solutions, expert guidance, and exceptional service.

I provide personalized financial solutions to property buyers and investors, including:

Borrowing Capacity Assessments

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Pre-Approval Assistance

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Refinancing and Restructuring Strategies for optimal equity us

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Debt Consolidation

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Self-Managed Super Fund (SMSF) Loans

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Why Choose Bilva Homes?

  •   Expert Craftsmanship- Our team of professionals ensures every home is built to the highest standards with attention to detail.
  •   Premium Finishes- We use quality materials and innovative designs to deliver a luxurious and sophisticated living experience.
  •   Sustainable & Efficient- Our eco-conscious approach incorporates energy-efficient designs and sustainable building practices for a greener future.

    • At Bilva Homes Pty Ltd, we believe a home should be more than just a place to live—it should be a reflection of your dreams and aspirations. Let us bring your vision to life with precision, passion, and innovation.

Banks

I work with over 30+ banks

Testimonials

What my client
have to say
about me

Raj Kempalingannavar

Business Owner

Raj is extremely thorough, patient and understanding of our needs and delays. He possesses extensive knowledge and takes the time to understand what is crucial to the client before giving advice. His guidance and honest advice during the purchase of our property were exceptional. We highly recommend his services.

Vinay

Clearly understood our needs helped with our mortgage requirements. Raj not only looked at our current set of goals with keen interest but also guided us on a better investment path. No doubt the interest rates offered were more competitive than any other firms we had approached earlier.

Sunil

Raj provided excellent support for my SMSF loan. He helped and assisted me in the entire process. I strongly recommend him for any mortgage.

Naveen

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FAQ

Find What You Need

Mortgage Loan FAQs

1. What is a mortgage?

A mortgage is a loan used to purchase real estate, where the property itself serves as collateral for the loan.

2. What types of mortgage loans are available?

Common types include fixed-rate mortgages, variable-rate mortgages, interest-only loans, and offset loans.

3. How much can I borrow?

The amount you can borrow depends on various factors, including your income, credit score, existing debts, and the lender's criteria.

4. What is a deposit, and how much do I need?

A deposit is the upfront amount you pay towards the purchase price. Typically, lenders require a deposit of at least 5-20% of the property value.

5. What are closing costs?

Closing costs include fees and expenses incurred during the closing of a mortgage, such as appraisal fees, title insurance, and legal fees.

6. What is pre-approval, and why is it important?

Pre-approval is a lender's conditional agreement to lend you a specific amount, which helps you understand your budget and strengthens your position when making an offer.

7. What is the difference between principal and interest?

Principal is the original loan amount borrowed, while interest is the cost of borrowing that amount, expressed as a percentage.

8. How can I improve my credit score?

You can improve your credit score by paying bills on time, reducing credit card balances, avoiding new debts, and regularly checking your credit report for errors.

9. Can I refinance my mortgage?

Yes, refinancing involves taking out a new loan to pay off your existing mortgage, often to secure a better interest rate or access equity.

10. What happens if I miss a mortgage payment?

Missing a mortgage payment can result in late fees, damage to your credit score, and, if continued, could lead to foreclosure.

Property Investment Strategy FAQs

1. What is property investment?

Property investment involves purchasing real estate with the intention of generating rental income or capital appreciation.

2. How do I choose the right investment property?

Consider factors such as location, property type, rental yield, growth potential, and market trends when selecting an investment property.

3. What are the different types of investment properties?

Investment properties can include residential properties (houses, apartments), commercial properties (offices, retail spaces), and industrial properties (warehouses).

4. What is rental yield?

Rental yield is the annual rental income generated from a property, expressed as a percentage of the property's value.

5. What are the tax implications of property investment?

Property investors may be eligible for tax deductions on mortgage interest, property management fees, maintenance costs, and depreciation. It’s essential to consult a tax advisor for specific guidance.

6. How do I finance an investment property?

Financing options include traditional mortgages, interest-only loans, and leveraging equity from existing properties.

7. What should I consider before becoming a landlord?

Consider your capacity for managing tenants, maintenance responsibilities, legal obligations, and the financial aspects of owning rental property.

8. What is negative gearing?

Negative gearing occurs when the costs of owning an investment property exceed the rental income, resulting in a tax deduction for the investor.

9. How can I assess the market value of a property?

Property valuation can be determined through comparative market analysis, professional appraisals, and understanding market trends.

10. Is it better to invest in new properties or established ones?

Both options have pros and cons. New properties often come with tax incentives and lower maintenance costs, while established properties may provide immediate rental income and growth potential.