Welcome to Module 4: Finance and Structures. This is the fourth module in the QPIA Course.
In this module we talk about how to work with clients to gather relevant information from which to build sound property investment strategies. This module will provide an overview of both a client’s financial capacity as well as their borrowing capacity. You will need to have knowledge of different types of loans and loan products available to your clients and which ones may be more suitable given their personal circumstances.
We also cover the various loan structures, types of borrowers and client ownership structures, which may be applicable to your clients. Each part of the loan application process is also covered.
The Property Investment Professionals of Australia (PIPA) has developed the PIPA Accreditation Program, a professional industry award, to address the need for professionals in the property investment industry and related industries to be appropriately qualified to give advice in property investment.
PIPA is committed to the development of industry standards in property investment advice. It has developed the Accreditation Program as the first step in quality education for all those involved in giving property investment advice to retail property investors.
The Accreditation Program has been aligned with the Financial Services Reform (FSR) provisions of the Corporations Act and with ASIC Regulatory Guide 146 training requirements for regulated financial services.
The aim of Module 4: Finance and Property is to give a comprehensive overview of all major factors that need to be taken into account when investors prepare to borrow money.
This includes client’s potential borrowing capacity, different loan types, ownership structures and how property is valued for finance purposes.