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Property Investment Advice

Adviseable is qualified and licensed to give property investment advice. These is our information.

Should you sell your home or keep it as an Investment Property?

One of the most common queries we get from homeowners looking for property investment advice is, “Should I sell my home or should I keep it as an investment property”? As any property specialist will tell you, there is no single yes or no answer to this, because buying an investment property really depends on a variety of factors, including the individual circumstances of the property buyer. When you’re looking for a home to live in, it’s common that you could see a house for sale that you fall in love with. In fact, having an emotional response to an …

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Building your Property Buying Team

In order to build a great Property Buying Team, you really need to think about the kind of qualities you want from the particular specialist. When spending our life savings, or at least making a major investment, it is of course important that we use exceptional service providers as we want the process to be stress free and as efficient as possible – minimising any problems that could come up later on. You need the right Property Buying Team if you are serious about buying the right property. We also want our dealings to be as effective and predictable as …

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The Pandemic Procrastination Effect

While we are all experiencing some challenging times with the spread of the coronavirus, it’s quite understandable and also ok to be experiencing what we’re calling CPPE – the coronavirus pandemic procrastination effect (expression stolen with permission (so not really stolen haha) from a lovely client of ours …). Quite the mouthful ! But it’s definitely a thing ! You are worried about your job, you’re worried about you’re partner’s job … your job is safe for now, but your friends are losing their jobs, you’re worried about the after-effects of the economy etc etc. We could go on all …

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Is now the time to buy Property in Australia..?

How are you, your family and your working from home? Somehow, and strangely, many of us are finding ourselves with much more time – and most of are trying to put that time to good use. How about planning to start or increase your Property Portfolio? Is now the right time to buy property in Australia ?   Let’s face it, 2019 was an interesting year for many Property Investors in Australia, and 2020 will be considered a right-off by many. But what are the opportunities out there, and where where are the next hot spots? How do we go about …

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Buying a rental property? How about a holiday home instead?

Many Australians who look at buying a rental property often end up buying a holiday home or a holiday apartment. And why not? You’ll not only be an investor, but you’re adding some luxury into your life at the same time. And apart from making your friends and family envious, there are other reasons why you would make this decision instead of just buying a rental property. Here are just a few: Free holiday accommodation whenever you want, for as long as you want Rental income whenever you’re not on holidays You can leave your things there, so you don’t …

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buying a rental property

Property Management fees. How much is too much?

The wide range of property management fees you’ll find in different markets around Australia might come as a bit of a surprise when you start investing. It would be fair to assume that they should be quite similar; after all they’re all providing the same service, right? At Adviseable we still regularly hear the comment, “Why is there such a difference in property management fees if they’re all doing the same thing”? Let’s have a look at this concern in more detail, because it’s not as straight forward as it seems. It’s important to understand the value behind property management …

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You need These People in your Property Investment Team

Wouldn’t life be easier if you could just hand over the technical and administrative tasks of property investment to a professional team? Wouldn’t this free up plenty of time and ensure that your financial and legal requirements around property investment are handled in your best interests? Of course, these are rhetorical questions, but what most people do? They talk to their friends, family and read mainstream media reports about property. The problem with this is that you’re more likely to be assembling a ‘discouragement team’ that will scare you away from getting on with all the benefits of property investment. …

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How would you feel being a 1% Property Investor?

Have you considered playing a bigger game than the average property investor? What if we were to say that it might not be as far-fetched as you think? In fact, it’s quite feasible for a dedicated property investor to eventually be ranked in the top 1% of property investors in Australia. This would sound outrageous if it weren’t for the fact that we have clients and colleagues that fall into this ‘elite’ investor category.  They’re not all high-income earners either. In fact, from our observations over the years, having a high income doesn’t always guarantee the best investment results. Ok, …

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How many investment properties is enough?

Have you ever read articles or heard people declare the number of investment properties they’d like to buy as a target? Commonly they will say something like “I want to retire on ten investment properties”. We love working with ambitious, optimistic people that have aspirations like this and we would never wish to dampen anyone’s enthusiasm. However, an important part of our role as property advisers is to provide perspective and maintain realistic expectations. These big goals are great and most are achievable over time if the right planning is in place. Our concern is that this focus on how …

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Investment Properties

Will household debt cause an Australian Housing Crash?

Is household debt the real reason people are concerned about a crash in the Property Market? Unless you’ve been living under a rock over the last few years, you’re probably aware that real estate in Melbourne and Sydney has been experiencing a surge in growth. There are many who believe that keeping up with this surge in prices is a catalyst for a housing crash in Australia because of high household debt levels, and perceived poor lending practices. Much of the recent gains in house prices in these areas have been attributed to the RBA’s use of the cash rate …

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Regulators target spruikers pushing investors into risky SMSF structures

We have written before about the fact that some parts of the property industry are not closely regulated – and unregulated property investment advice, from unqualified, sales focused ‘spruikers’ represents a significant risk for vulnerable investors looking to invest into Property via a Self-Managed Super Fund (SMSF) The growing popularity of using an SMSF to borrow and use to invest in Property is being watched carefully by ASIC and the ATO – but there are still many property spruikers who encourage unwary investors to set up an SMSF and buy into a particular property scheme – which may be a …

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Spruikers

Coping with property investment issues

Knowing how to plan for and cope with property investment issues is a critical part of any investor’s tactical armoury, and built into their considerations within their property plan Considering and producing a detailed risk analysis includes understanding and listing as many potential property investment issues as possible, and determining in advance how you will deal with those challenges if and when they come up.  This allows a property investor to cope with a crisis in the most considered and effective way possible. In an ideal world, your property would be fully tenanted, easy to manage and continue to grow …

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The investors secret weapon – the buyers advocate

A good buyers advocate doesn’t just consider the value of a property now – but looks carefully at the data around what it could be worth in the future A professional buyers advocate keeps tabs on the market, subscribes to key industry groups and knows where the credible data on the property market is found. They also have strategic relationships with industry professionals such as real estate agents, property accountants, property focused lawyers, and other industry professionals. This is a relatively new profession, and only a small percentage of buyers are currently using a professional and accredited buyers advocate – …

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A buyer’s agent / negotiator does so much more than buy property

A buyer’s agent is a relatively new profession in Australia – only about 5% of investors are using one at this point – but the numbers are growing fast – and for a variety of reasons. Why is the industry growing so fast, and how can a buyer’s agent save you time and make you money? Let’s look a bit more closely at what the best buyer’s agents can do for you. For one thing, a buyer’s agent does a lot more than source and negotiate to buy property for you, in order to help you make more money on …

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How to manage property repairs, maintenance and improvements

Property repairs, maintenance and improvements are a part of every property manager’s role, and required for every property. It’s important as a property investor to know the difference, and what you ‘need’ to do, ‘should’ do, or ‘want’ to do. How do you manage property repairs, maintenance and improvements to make sure that you get the balance right, keep your tenants happy, whilst looking after your budget and bottom line considerations? Firstly, considerations such as your legal requirement to do, ‘necessary’ property repairs, and perform on-going maintenance need to be built in. You also need to consider the impact that …

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property repairs, maintenance and improvements

What does your risk profile look like? Are you ready to invest?

All property investors need to have a very close understanding of their particular risk profile. It’s easy to get excited by the prospects property investment provides, particularly given the strong returns of recent times in Australia. But – as well as going up, the market can go down, and cause devastating issues for those not properly prepared. One of the most important things to consider as a first time investor is the proper analysis of your particular risk profile. Considerations around your age, your work, your financial position and prospects – including your existing equity or deposit need to be …

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Risk Profile

How to find the right accountant for property investors

Finding the right accountant for property investors is extremely important to ensure that you are minimising your taxes and risks, maximising your returns, optimising your financial strategies, and fast-tracking the route to your investment goals. In this article we have put together our tips on how to find the right accountant who will put you at ease with the comfort of knowing that your financial affairs are in good hands, and you are being given the very best advice available. What to look for in your Accountant They are an investment property specialist Very specific knowledge is required when dealing …

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Why are more and more property investors using independent Property Agents and Buyers?

There are literally thousands of Real Estate agents, Mortgage Brokers, Property Lawyers, Accountants and other Property related professionals in Australia. How on earth do we, as property investors, filter through all of these options, and get the right advice for us, when it comes to our biggest financial decisions? By using an expert in the field, of course. Whether you are buying a home, looking to start on your journey into an investment property, or expanding your property portfolio, using a Property Agent to advise you makes perfect sense This is exactly why more and more property investors are wisely …

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Property Investment advice from PIPA – Property Investment Professionals of Australia

Ben Kingsley, the Chairman of Industry body, PIPA, the Property Investment Professionals of Australia, wrote an article with his advice to Australian Property Investors. In it he started with: ‘A small investment in qualified advice could be the best investment you make when it comes to your property portfolio.’ To summarise the key points of his article: Property investment is not easy – there are a number of factors to consider and it requires specialist skills and knowledge Most Australian Property Investors don’t get past buying just one property Too many people decide to invest in property without getting appropriate …

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