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Want to buy a house but the bank says no? Let’s Wrap It Up...

Updated: Apr 18, 2023

✦ “There is no ‘best’ time or ‘worst’ time to buy property...”

While this is one of the most frequently heard sayings in the property game, for some it can be a quandary in itself. Property investment can be a convoluted process but, for many, often just getting started can be a major challenge.

Rising interest rates and property prices, challenges with banks lending the money to action a home loan, maybe issues with credit ratings, these are all common factors that can hinder people getting onto the property ladder.

Benefits of Property Vendor Financing or Wrapping a Property

This is where Property Vendor Financing or Wrapping a Property can often be the answer. In a nutshell, this process allows buyers who cannot qualify for a traditional home loan to purchase a property by aligning with the property seller, or vendor, who organises the finance for them and effectively loans the buyer the money to buy their home.

The benefit for the homeowner is it provides them with an alternative access route to purchasing and acquiring a property, while the benefit for the vendor is it provides a positive cash flow each month and a tidy lump sum of equity when you sell the property. It’s an arrangement that ultimately results in mutual benefit, often creating a close relationship of trust between vendor and customer.

Property Vendor Financing is a process that has been in operation in Australia for over 100 years and is often referred to as ‘Property Wrapping’. It’s a process that Paul Zalitis is so experienced and adept with that he has been afforded the affectionate nickname of “The Aussie Wrapper”.

Over a 32-year career specialising in vendor financing, negative gearing and positive cash flow property investing, Paul has helped many people navigate the choppy waters of the Aussie real estate market, specifically those who have experienced challenges in acquiring their first house. Quite simply, when the banks say no then people turn to Paul who helps them achieve their goals of owning their own home while realising a positive cash flow dynamic himself. A win-win if ever there was one.

“It’s a win-win for both parties,” Paul tells us. “You can become financially free and help good-hearted Aussies finally own their dream home and escape the relentless rental trap. In fact, I can’t think of other financial strategies that actually benefit both sides in such a way!”

Property Wrapping can enable the reduction of negative gearing losses, where an income from real estate can be effectively realised pretty much immediately. It is an excellent way to generate consistent, sustainable revenue through positive cashflow where multiple income streams can become a reality, something that can offer very welcome peace of mind during the current, tumultuous economic climate.

It is something Paul has delivered to numerous people on numerous occasions. Take the example of a lady homeowner based on the New South Wales coast who had struggled for over nine months to sell her house. After a consultation with Paul and him weaving some magic, the house was sold within a week.

Or the salt of the earth couple who worked long, hard, honest hours in the hope of purchasing their first property. Due to an unfortunate speeding ticket incurred by the man some years previous, the banks were unwilling to approve a loan and the couple were stuck. Paul stepped in and before too long the couple were first time home owners who have since gone on to marry and have children in the same house. There are several first-hand, glowing testimonials from delighted customers that Paul has helped through his company Opportunity Housing available to see here.

Paul has helped purchase 10 separate homes over the years through Opportunity Housing, which he founded in 2003. As a mentor in this capacity it is clearly evident that he is passionate about his craft – as the old saying goes, “the proof is in the pudding”, and there’s a big difference between people who talk a good game and people who live, breathe and love what they do. Paul is absolutely in the latter category and takes his work extremely seriously.

“I treat everyone with the utmost respect and am always honest,” he explains, crucial virtues in any walk of life. “You’ve got to be fully abreast of the market at all times. You need to be continuously researching to stay on top of things, to develop great relationships with agents and be aware of opportunities. I love to read and to constantly learn. To do all that takes considerable focus and discipline.” While there is a very real positive economic trade-off for Paul, this isn’t the solitary motivation as to why he champions Property Wrapping so enthusiastically.

“I like helping people achieve their goals,” Paul tells us directly. “I can’t tell you how fulfilling that is to me. I was disenchanted with the real estate market years ago, more so the fact I was losing money through negative gearing. I realised there was a better way by wrapping property and now I just want to help as many people as I possibly can,” he adds.

“Wrapping a property or property vendor financing can be a valuable tool for you to boost your cash flow and it also allows you to grow your investment portfolio.”

Contact Paul Zalitis "Aussie Wrapper":

Paul Zalitis

The Aussie Wrapper


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