Property Investment Advice

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Spring selling season listings still underwhelming

The traditional “spring selling season” started on 1 September this year with a flurry of new listings hitting the market – as is the usual turn of events. However, before anyone start’s shouting “It’s a buyer’s market!”, the cold hard truth is that there still remains an undersupply of decent properties available for sale – especially in hot markets like Adelaide and Perth. Listings up but still down over the year The latest figures by SQM Research have revealed that national residential property listings rose in August by two per cent to 224,530 properties, up from the 220,081 recorded in …

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women work

Women work 56 days extra yearly to earn same as men

The 25th of August this year is a date that is becoming increasingly important on the calendars on anyone who believes in financial equality. That’s because that date this year – Equal Pay Day – marked the 56 days into the new financial year that Australian women must work to earn the same, on average, as men did last year, according to the Workplace Gender Equality Agency (WGEA). And it’s not just because women sometimes work in lower paid or female dominated industries that have pay inequality.Just look at the success of the Women’s World Cup here in Australia recently …

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diversified property investment

How to build a diversified property investment portfolio in different cities and asset classes

First up, what does a diversified property investment portfolio actually mean? “Diversified” means having a variety of different elements, components, or qualities. It is often used to describe a company, economy, or investment fund that invests in many different industries or activities in order to reduce risk and increase opportunities for growth and stability. A diversified musical program, for example, might range from classical to modern, while diversified farming might involve growing a variety of different crops. So you get the idea. When it comes to property investment building a diversified portfolio is an effective way to manage risk and …

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Real estate serves as a powerful hedge against high inflation for several compelling reasons

As a little refresher, “Inflation” refers to the general increase in prices of goods and services over time, resulting in the erosion of purchasing power. When inflation occurs, the same amount of money can buy fewer goods or services than before. It is typically measured using various economic indicators such as the Consumer Price Index (CPI) or the inflation rate. Inflation can be influenced by factors such as changes in supply and demand, government policies, and fluctuations in currency value. Moderate inflation is considered normal and can reflect a healthy economy, but high or rapid inflation can have adverse effects …

Real estate serves as a powerful hedge against high inflation for several compelling reasons Read More »

rentvesting

With record high rents is rentvesting still a sound strategy?

With double-digit rent increases appearing to be entrenched for some time yet, does it still make financial sense to be a rentvester? This is a question that we have been considering given the strong increases in rents that are being recorded across the nation. Contrary to appearances in a high rent environment, rentvesting remains a solid – and sometimes – even recommended investment strategy for some property investors. Anyone who may be a bit younger, or who lives in an expensive city like Sydney or Melbourne, could still be considering rentvesting as a strategy given it generally remains cheaper to …

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inflation

Inflation has probably peaked but have interest rates?

The Reserve Bank of Australia meeting in March was another hotly debated topic prior to its cash rate decision being announced on the first Tuesday of the month. Another rate rise had already been priced in by markets, so, the start of softer economic data was never going to be enough to change the outcome – which was a 25 basis point cash rate rise. However, the Reserve Bank’s commentary showed a decidedly different tone to the month before, with it being less hawkish about the path of monetary policy in the months ahead. In fact, the RBA Governor Philip …

Inflation has probably peaked but have interest rates? Read More »

female investors

Low rates of female investors can cause housing insecurity

Did you know that only about one in four property investors are females? To tell the truth you probably didn’t know – and nor did I – because the telling statistic has only come to light following the 2022 PIPA Annual Investor Sentiment Survey. For the first time in its eight-year history, survey respondents were asked their gender and only about 27 per cent identified as female. Now, while I knew that there was a difference between the numbers of male and female investors, it was still quite shocking to see how far behind women potentially are when it comes …

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the herd

Don’t follow the property herd

Property price growth has been huge throughout many Australian suburbs and towns in the past two years. That growth may have softened in some areas, but investors be warned, if you are waiting for values to fall substantially before you buy, there’s still plenty of growth to happen in 2023. Property investment adviser Kate Hill of Adviseable joined Hotspotting founder Terry Ryder in a webinar to discuss how and where to find growth in 2023. She says opportunities will come from buying in markets with growth credentials at a time of record low vacancies and rising rental yields – while …

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property markets

What’s ahead for property markets this year?

2022 was an interesting one for property markets around the nation, with the savviest homebuyers and investors making the most of the changed market conditions. Buying when others are not, as long as you are strategic with your asset and location selection, has always been a sound strategy – you have to recognise short-term trends as exactly that – even though they may be unsettling at the time. The power of negative press is not to be underestimated. If ever there was a time to block out the white noise and remember that everything works in cycles and the best time …

What’s ahead for property markets this year? Read More »

market value

Why Landlords Must Charge Market Value Rent

We’ve spoken to so many people over the years that have started their journey as Investor Landlords with a bit of a naive attitude. It’s distressing to see the repeated mistakes that many people make. Even worse are the people who want to invest in property but think it’s too hard, risky or time consuming and don’t get started at all! We spend a lot of time with our clients addressing the risks involved in property investment and how we can stop these from occurring. One of the biggest is failing to increase rents regularly or at least charge market …

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portfolio plan

Keep your Property Portfolio Plan Updated

Most investors’ properties could be working harder to achieve better results. It really helps to have a very clear Property Portfolio Plan, which is updated regularly. It’s sometimes easy to forget that the end goal is financial freedom, rather than how many properties you end up with. Managing and optimising your portfolio’s financial performance is absolutely critical. If you haven’t updated your plan or had a full and exact financial health check recently, then it’s time to revisit this, to make sure you are maximising the returns from each property, and ensuring you are getting towards your end goal as …

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Northern Perth

Northern Perth has investment prospects aplenty

Can you imagine a region that runs along a pristine coastline but also has a gorgeous lake and a national park within in its boundaries and a booming economy and infrastructure program? Of course, such a location is attractive to everyone – which means its property market has all the hallmarks of being a stellar investment location. The oasis I am talking about is Northern Perth, encompassing the Wanneroo local council area, which is located a mere 12 kilometres from the city centre and stretches north. Not only is Northern Perth seen as the fastest growing in Perth – and …

Northern Perth has investment prospects aplenty Read More »

gender economic disparity

New data highlights continued gender economic disparity

A relatively new dataset is shining a light on the continued gender economic disparity between women and men in Australia. The Australian Bureau of Statistics Gender Indicators has been created to highlight key economic and social indicators measuring equality between males and females, including the gender pay gap and life expectancy. One of my passions in life is to help women become more financially educated and also to assist them to forge their own financial paths. This is one of the reasons why I co-authored The Female Investor – Creating, Wealth, & Security, which became a bestseller in the property …

New data highlights continued gender economic disparity Read More »

Better Property Investment 2022

Why this year is a better property investment year than last

Much has been written about the increase in weekly rents that have been recorded over the past year. Investors can be left thinking if 2022 is a better property investment year than 2021? According to CoreLogic, in the year to July, Australian median rent values increased 7.5 per cent, which is the strongest annual appreciation in rents since December 2008. However, some of this rental growth was clawing back price reductions that took place during the first year of the pandemic. Indeed, prior to the pandemic, rental growth had generally been benign, or even falling, for the best part of …

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women

Fewer than half of all women working full-time

The fact that the gender pay gap exists but doesn’t really seem to be changing is thankfully in the spotlight more than ever over recent decades. Plus, new research is being produced regularly that highlights the income disparity between men and women throughout their working lives. This is one of the main reasons why I truly believe that women need to forge their own financial paths via strategic property investment, because many will struggle to achieve the same lifetime earnings as their male counterparts – even if they are at the top of their careers it seems. Women Earning less …

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property portfolio

Don’t let Media Hype derail your property portfolio

All those people with an agenda and in need of airtime are fighting it out to be the ones with the largest and loudest crystal ball. Remember them? Unfortunately, negative media hype can easily scare you away from building your property portfolio. As the Covid pandemic was taking hold back in 2020 we were being told that property prices would plunge 30% … many, many people put off buying property, fearful of what was to come. And what happened? Almost the exact opposite with stellar capital growth in so many property markets. Those that didn’t buy gave themselves a good …

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investment property

Should your next investment property be a house or a unit?

If you’ve been thinking about your next investment property, you’re likely considering a house or a unit. A question we receive often at Adviseable is, what are the differences between these two, and is one better than the other? While it is a fair question, let’s unpack the difference between houses and units and investigate them further. The property you invest in could reflect what is currently available in the market and how much you have budgeted for that particular investment. However, don’t forget that the main idea of investing is getting the right amount of return for your dollar. …

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Female Investor

The Great Wealth Transfer Is Under Way

What is the great wealth transfer? New research has found that the great wealth transfer is under way and it will be women and not men who will hold the most wealth in the years ahead. Of course, I would hope this was because of the skyrocketing numbers of female investors – and that day will hopefully arrive – but the reason for this shifting financial balance of power is simply due to longevity. That is, by 2025, it is estimated that women will hold 60 per cent of Britain’s wealth, having inherited most of it from their deceased spouses, …

The Great Wealth Transfer Is Under Way Read More »

rental properties

Critical undersupply of rental properties to persist

Rental Properties around Australia New data released recently has confirmed the critical undersupply of rental properties around the nation. According to SQM Research, the national residential rental vacancy hit just one per cent in March – the lowest level in 16 years. The last time the national vacancy rate was this low, “Kevin07” wasn’t even a thing yet! To understand what this metric really means it’s vital to know that the equilibrium point of supply and demand in the rental market is generally considered to be three per cent. This means that a vacancy rate of one per cent is …

Critical undersupply of rental properties to persist Read More »

How to negotiate on a property

In such a high-value market – when investors are often making their very biggest purchasing decisions – understanding the key factors around how to negotiate when purchasing property, in order to secure the very best deal, is critical Getting your head around these key considerations to ensure you get the right property at the right price can mean the difference between great success and real failure as a property investor. And of course, when dealing with such large amounts of money, understanding how to negotiate on a property to help secure the right price at the right time can mean …

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