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Are you concerned about a decline in property prices?

The world around you seems to be going beserk ! The media is full of stories about a potential decline in property prices. It’s hard to keep a cool head and stick to your plan. Just look at the crazy behaviour of people in your local supermarket. You’d be forgiven for thinking we were preparing for some sort of apocalypse. The media obsession and people’s lack of understanding of the new flu virus, has lead to the herd mentality at its worst. But how will all this affect the housing market, and will it affect the housing market at all …

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decline in property prices

Positive Cash-flow vs Capital Growth, which is best?

Most property investors starting out on their journey will ask themselves, “What is my goal, positive cash-flow or capital growth?”. It’s an important consideration, and because we all have unique circumstances, there is no universal right or wrong answer to this question. Positive cash-flow is favoured by many property investors for a multitude of reasons: A positive cash-flow property allows you to, ‘get into the game’ and afford the property on a day-to-day basis. In an increasingly difficult lending environment, higher yielding properties can really help get finance over the line. Note that most lenders only recognise a percentage of …

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positive cash-flow

Should I Buy a Home or an Investment Property First?

Probably the most frequently asked question we’ve had over the years is: “Should I buy a home or an investment property first?“. It’s such a big decision and it can really affect your future financial success and ultimately your peace of mind. The decision-making process in buying a home to live in vs buying an investment property Is likely to be very different. Why? Because most people prefer to live in a property that they like. Aesthetic and location considerations of the property will be a major factor, as well as personal lifestyle preferences. The decision will be emotional. Buying …

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investment property

Can I still Invest in Property if I’m close to Retirement?

Most people we talk to in the 55+ age bracket have started thinking seriously about their retirement income. And so many times we’ve heard, ‘Have I left it too late to invest in property?’ Given that the ideal investment timeline to achieve a decent capital return and income stream with property is usually around 15 years, it’s a fair question. However, we don’t think it means you’ve necessarily ‘missed the boat’ if you are in this category and want to invest in property. Something to consider when deciding to invest in property prior to retirement is that life expectancy has …

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invest in property

When should you sell your Investment Property?

“I wonder if I should sell my investment property?” This is a question nearly every property investor asks themselves at some point, and occasionally we get asked to advise on this topic as well. Residential property by nature is mostly a very slow and steady asset class. At Adviseable, we feel it’s best to take a medium to long term view when buying an investment property, as the normal time-frame to see meaningful results is usually around 10-15 years. Yes, there can be boom periods, which can last up to about 5 years, but at other times the market can …

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investment property

Why Should I buy an Off the Plan Investment Property?

A very common question we hear from investors entering the market for the first time is, “Should I buy an off the plan investment property?” Sometimes this question is framed as, “Should I buy a new investment property?” We’ve all probably wondered about this at some point. It’s a ‘loaded’ question, as there are a number of variables to take into account before we can give a valid response. Your budget, ongoing cash-flow requirements and even your appetite for risk, are factors that always need to be considered before you make any serious investment. Now, if you were to ask us …

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off the plan

Positive Cashflow isn’t the only upside of SMSF Property Investment

An important consideration when assessing the viability of an investment property is not only the capital growth potential, but the possibility of finding a positive cashflow. This could determine whether you can afford to hold the property (or not) on a day to day basis. As a starting point it’s important to get an understanding of the gross rental yields available in any given market that you are considering. In the example below, the chart indicates rental yields for investment houses in Sydney.  The low gross rental yields of around 3% are an indication of how difficult it would be …

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positive cashflow

The Australian Property Investor Catch 22 (and what to do)

If you are an aspiring Australian Property Investor you may experience a Catch 22 situation at the start of your journey. For the new Australian Property Investor, the cycle usually goes like this: You learn about an investment strategy or opportunity. You give it some thought, but It seems like too much hard work. So, then you start looking at another strategy that seems easier, but it’s not as easy or risk free as you had hoped, so that doesn’t work out either. Eventually, you stop trying, and conclude in your mind, “I just don’t know enough!” So, you seek …

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australian property investor

Yes, it’s time to get into ‘Rentvesting’

The term, ‘rentvesting’ has gained popularity over the last couple of years. It simply means buying an investment property that you can afford, while you continue to rent Rentvesting is a popular option when we hear one of the most common questions we’ve been getting over the last few years. It comes from people that are currently renting or still living at home with their parents. The question is, “should I buy a place to live in or should I buy an investment property”? Now a property guru would offer logic and number crunching to show that there is very …

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Have I left it too late to start investing in Property?

Almost everyone who contacts Adviseable who is ready to start investing, is already satisfied that property suits them as an asset class – they don’t need any convincing.. They’re either paying off their own home, invested in property previously or maybe even know someone that has done really well from property. The bottom line is that they know that to start investing in as soon as possible makes sense, but for various reasons there is still a hesitation in moving to the next level. One of the areas of indecision seems to be around timing. Over the years one of …

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start investing

Why not consider buying a strata property as an investment?

Generally, when compared to buying a house, a unit with a strata property title can often mean lower maintenance and repair costs than a house with land, as these costs are shared by other owners in the block Strata property can be wise investments, but there are some key considerations to keep in mind. Consider the following when looking at a strata property for investment: How much are the strata property levies These can vary tremendously depending on the development, the management, the number of units sharing the cost, and the level of maintenance and repairs required. These fees can …

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strata property

Self Managed Superannuation Funds (SMSF) for property investors

In recent years the capacity to manage your own superannuation funds (SMSF) and invest in property using them has been in the spotlight It has been suggested that the use of SMSF for property investors has increased the activity in the property market, and also of unscrupulous spruikers seeking to take advantage of less experienced investors looking to get into the property market. As a consequence ASIC have increased their focus on unlicensed property spruikers, and illustrated the damage they can do through unqualified advice. Ben Kingsley from the Property Investment Professionals of Australia organisation (PIPA) said that investors can …

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The significance of managing emotions when property investing

Managing emotions when it comes to investing in Property is critical. It is very common for investors to ‘fall in love’ with a particular property, see past its flaws, and dive in based on a feeling, rather than on the facts. As property is such a large investment, this can prove to be a very expensive mistake. There are many reasons why people want to buy investment property – and we need to be sure, like any big decision – that we are doing it for the right reasons, and be honest with ourselves what those reasons are. Managing emotions …

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managing emotions

City versus Country Property Investment

City versus country – it’s a question regularly asked by investors – not just ‘where should I buy?’ – but, should I buy in the city, or further out, and if so, how far out? At the end of the day, it’s all about the fundamentals. Let’s have a closer look. Typically, in metropolitan areas, closer to the city, transport, infrastructure, jobs, schools, Universities and city culture, the capital growth over time tends to be higher. At the same time, rental yields (the rent return relative to the value of the property) tends to be lower. So, more expensive property, …

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city versus country

The numbers on retiring comfortably

In this article we focus on some basic numbers towards retiring comfortably How are your finances stacking up for your retirement? Can the average Australian build a retirement ready property portfolio? Will your retirement nest-egg be enough to provide you with the lifestyle you expect? How big will your asset base need to be, for you to be retiring comfortably? What is realistic and achievable? We have crunched the numbers to put together a guide to creating a ‘comfortable’ passive income in retirement by using the leverage available to you through property investment. First, some facts: ASIC and MoneySmart suggest …

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retiring comfortably

Where to buy? Inner city or outer suburbs?

Today we are looking at the virtues and values of where to buy – an inner city property versus one in the outer suburbs We must start off by saying that the strategies, purchases, timings and options vary from one investor to the next – there is no one fixed solution or location as to where to buy for all property investors. But it is a worthwhile and interesting exercise for any serious property investor to understand the typical pros and cons of the considerations around where to buy when considering an inner city or an outer suburb location. Generally …

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where to buy

How the latest budget will affect property owners and investors

The latest budget just announced contains some specific items designed to address housing affordability in Australia – as well as maintain some protection and encouragement for every-day Mum and Dad, and first home owner property investors. Nonetheless, newly announced laws will affect many investors – and it’s important that we are very clear about the impact of these. There have been some changes to negative gearing that no one seems to be talking much about. This has been snuck in without much fan-fare, but it does affect property investors with established properties quite significantly. The key point in the latest …

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