Research

Why this investor started investing for his family

By Bianca Dabu
Andrew Third

Andrew Third, like many people, got into property investment by pursuing the great Australian dream of buying a principal place of residence and paying it down—but instead of ending his journey when he got his growing family their own home, he went on start his own business of creating wealth through investment properties and eventually building a three-property strong portfolio.

The property investor and his wife bought their family home in December 2006 at Hornsby Heights.

“Investing, at that time, was not really in our minds. It was more like we want to settle down and buy a house... We didn’t really save much. Pretty much everything went into the house… [to make it] a bit nicer for the family,” Andrew shared.

Eventually, the couple got into reading about how property investment could help them create wealth and ultimately ensure long-term financial security for their family. Seven years after they bought their principal place of residence, Andrew and his wife finally bought their first investment property in Newcastle.

“There was a period of time that we’re just doing all the readings… [We thought], ‘Okay—we want to get an investment property but we just don’t know how. Do you have family members that are into property investing? Do you know where to start?’ It wasn’t until a work colleague mentioned someone working for him [that we got started]. We went and saw the same people and they put us on the path to property investment,” Andrew said. 

“Over that period of time [between 2006 and 2013]… jobs have moved on, wages [have] increased. We just took out equity out of our home and borrowed against that to buy our first investment property.” 

The couple met with a strategist who laid out all possible plans for them, and from there they were able to add a Newcastle-based four-bedroom house and a Queensland-based off-the-plan townhouse to their portfolio in a span of three years.

While it’s easy to say that things have been working out well for them, Andrew admits that they have a long way to go in terms of ensuring that they actually achieve their long-term financial goals. From the moment they bought their first investment property up until today, according to him, “it’s all an unknown”.

“It was kind of just ‘Let’s try it and see what happens.’ I want to do something and see how it works… so we gave it a go, gave it a shot… [It was just] a lot of reading, researching, talking to people… Sometimes, I have those conversations with my wife, like ‘How can we afford this?’ or ‘How do we progress with the kids in our life?’ But I guess we’re still young. We’re both 33, so we’ve got plenty of time ahead of us,” he shared.

His advice to budding property investors: Read up, prepare yourself the best way you can, and just give it a go. Don’t get stuck procrastinating.

Andrew said: “Knowing what I know now… I probably could have done better but I don’t regret it. We’re in it now so let’s just see where that takes us.”

Smart Property Investment’s Vivienne Kelly concluded: “Information overload… [that] could get paralyzed. You’ve got to start somewhere. You’re never going to know everything.”

Tune in to Andrew Third’s episode on The Smart Property Investment Show to know more about hitting serviceability walls when facing parental leave, the realities of buying off-the-plan, and how he's tackling the unknowns that come with investing in property.

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podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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