In a recent survey, 65 per cent of Gen Y respondents noted that the interest rate matters most to them, while 59 per cent of all respondents answered the same.
A survey by mortgage broker Loan Market, which asked ‘What is the most important factor for you when choosing a lender?' found that 20 per cent cited ‘loan features’ as the most crucial factor, while 13 per cent looked for customer service.
Just eight per cent cited the lender’s ‘brand’ as an important factor, and Gen Y’s were even less concerned with this factor, with five per cent answering in this category.
Loan Market corporate spokesman, Paul Smith, said this sentiment was a surprising result.
"These survey results are quite surprising given that the big four banks continue to dominate new home loan lending in Australia," Mr Smith said.
"But some smaller lenders have niche products that are designed to help certain groups struggling to get finance from another institution, such as self-employed borrowers or property investors. They could be gaining more consumer support.
"The laws making it easier for people to switch lenders may have also had an impact on customer loyalty,” he said.
The online poll surveyed 643 respondents.
advice
trending
podcast
object(stdClass)#990 (52) {
["id"]=>
string(5) "18568"
["title"]=>
string(74) "Creating equity in a falling market and a long-term view of what to expect"
["alias"]=>
string(74) "creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect"
["introtext"]=>
string(255) "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!
"
["fulltext"]=>
string(830) "
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!
"
["checked_out"]=>
string(1) "0"
["checked_out_time"]=>
string(19) "0000-00-00 00:00:00"
["catid"]=>
string(2) "82"
["created"]=>
string(19) "2018-09-19 06:00:15"
["created_by"]=>
string(4) "1689"
["created_by_alias"]=>
string(0) ""
["state"]=>
string(1) "1"
["modified"]=>
string(19) "2018-09-19 06:32:44"
["modified_by"]=>
string(4) "1644"
["modified_by_name"]=>
string(18) "Jerome Delossantos"
["publish_up"]=>
string(19) "2018-09-19 06:12:00"
["publish_down"]=>
string(19) "0000-00-00 00:00:00"
["images"]=>
string(173) "{"image_intro":"","float_intro":"","image_intro_alt":"","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
["urls"]=>
string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
["attribs"]=>
string(2930) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"Caifu Property","clientDesc1":"Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n
In this episode of Property Showcase, Drew Evans joins\u00a0editor of Real Estate, Tim Neary, to discuss the softening of traditionally strong markets and why he believes that investors should still see opportunities to create equity.<\/p>\r\n
In this episode, hear from\u00a0Drew about:<\/p>\r\n
- \r\n
- The keys to creating equity in a falling market<\/li>\r\n
- The benefit of building rather than buying existing property<\/li>\r\n
- Their automatic equity program and how you can be involved in it<\/li>\r\n<\/ul>","clientImage1":"images\/Property_Showcase\/DREWEVANS170x170.jpg","clientUrl1":"https:\/\/www.caifuproperty.com.au\/","clientName2":"Open Corp","clientDesc2":"
Whether it\u2019s building a successful property portfolio or investing in one of their Development Funds, Open Corp can help you through every stage of your investment journey. The team has 40 property specialists who collectively have been involved in over $4 billion worth of property transactions and the acquisition of more than 8000 homes and investment properties.<\/p>\r\n
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
In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n
- \r\n
- Why property is a long-term investment<\/li>\r\n
- His predictions for the market going forward<\/li>\r\n
- How to get a free copy of their ultimate guide to real estate<\/li>\r\n<\/ul>","clientImage2":"images\/Property_Showcase\/Michael-Beresford-170x170.jpg","clientUrl2":"https:\/\/www.opencorp.com.au\/","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
["metadata"]=>
string(53) "{"robots":"","author":"","rights":"","xreference":""}"
["metakey"]=>
string(59) "creating, equity, falling, market, long, term, view, expect"
["metadesc"]=>
string(200) "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"
["access"]=>
string(1) "1"
["hits"]=>
string(2) "22"
["xreference"]=>
string(0) ""
["featured"]=>
string(1) "0"
["language"]=>
string(1) "*"
["readmore"]=>
string(3) "830"
["ordering"]=>
string(1) "0"
["category_title"]=>
string(17) "Property Showcase"
["category_route"]=>
string(25) "podcast/property-showcase"
["category_access"]=>
string(1) "1"
["category_alias"]=>
string(17) "property-showcase"
["published"]=>
string(1) "1"
["parents_published"]=>
string(1) "1"
["lft"]=>
string(2) "98"
["author"]=>
string(12) "Todd Stevens"
["author_email"]=>
string(33) "[email protected]"
["parent_title"]=>
string(7) "Podcast"
["parent_id"]=>
string(2) "48"
["parent_route"]=>
string(7) "podcast"
["parent_alias"]=>
string(7) "podcast"
["rating"]=>
string(1) "0"
["rating_count"]=>
string(1) "0"
["alternative_readmore"]=>
NULL
["layout"]=>
NULL
["params"]=>
object(Joomla\Registry\Registry)#1376 (3) {
["data":protected]=>
object(stdClass)#1373 (96) {
["article_layout"]=>
string(14) "spbase:article"
["show_title"]=>
string(1) "1"
["link_titles"]=>
string(1) "1"
["show_intro"]=>
string(1) "1"
["info_block_position"]=>
string(1) "0"
["info_block_show_title"]=>
string(1) "1"
["show_category"]=>
string(1) "1"
["link_category"]=>
string(1) "0"
["show_parent_category"]=>
string(1) "0"
["link_parent_category"]=>
string(1) "0"
["show_associations"]=>
string(1) "0"
["flags"]=>
string(1) "1"
["show_author"]=>
string(1) "1"
["link_author"]=>
string(1) "0"
["show_create_date"]=>
string(1) "1"
["show_modify_date"]=>
string(1) "1"
["show_publish_date"]=>
string(1) "1"
["show_item_navigation"]=>
string(1) "0"
["show_vote"]=>
string(1) "0"
["show_readmore"]=>
string(1) "1"
["show_readmore_title"]=>
string(1) "0"
["readmore_limit"]=>
string(3) "100"
["show_tags"]=>
string(1) "1"
["show_icons"]=>
string(1) "0"
["show_print_icon"]=>
string(1) "0"
["show_email_icon"]=>
string(1) "1"
["show_hits"]=>
string(1) "0"
["show_noauth"]=>
string(1) "0"
["urls_position"]=>
string(1) "0"
["captcha"]=>
string(0) ""
["show_publishing_options"]=>
string(1) "1"
["show_article_options"]=>
string(1) "1"
["save_history"]=>
string(1) "0"
["history_limit"]=>
int(10)
["show_urls_images_frontend"]=>
string(1) "0"
["show_urls_images_backend"]=>
string(1) "1"
["targeta"]=>
int(0)
["targetb"]=>
int(0)
["targetc"]=>
int(0)
["float_intro"]=>
string(5) "right"
["float_fulltext"]=>
string(5) "right"
["category_layout"]=>
string(6) "_:blog"
["show_category_heading_title_text"]=>
string(1) "0"
["show_category_title"]=>
string(1) "1"
["show_description"]=>
string(1) "0"
["show_description_image"]=>
string(1) "0"
["maxLevel"]=>
string(1) "0"
["show_empty_categories"]=>
string(1) "0"
["show_no_articles"]=>
string(1) "1"
["show_subcat_desc"]=>
string(1) "0"
["show_cat_num_articles"]=>
string(1) "0"
["show_cat_tags"]=>
string(1) "0"
["show_base_description"]=>
string(1) "1"
["maxLevelcat"]=>
string(2) "-1"
["show_empty_categories_cat"]=>
string(1) "0"
["show_subcat_desc_cat"]=>
string(1) "1"
["show_cat_num_articles_cat"]=>
string(1) "1"
["num_leading_articles"]=>
string(2) "15"
["num_intro_articles"]=>
string(1) "0"
["num_columns"]=>
string(1) "0"
["num_links"]=>
string(1) "0"
["multi_column_order"]=>
string(1) "0"
["show_subcategory_content"]=>
string(1) "0"
["show_pagination_limit"]=>
string(1) "1"
["filter_field"]=>
string(4) "hide"
["show_headings"]=>
string(1) "1"
["list_show_date"]=>
string(1) "0"
["date_format"]=>
string(0) ""
["list_show_hits"]=>
string(1) "0"
["list_show_author"]=>
string(1) "0"
["list_show_votes"]=>
string(1) "0"
["list_show_ratings"]=>
string(1) "0"
["orderby_pri"]=>
string(4) "none"
["orderby_sec"]=>
string(5) "rdate"
["order_date"]=>
string(9) "published"
["show_pagination"]=>
string(1) "2"
["show_pagination_results"]=>
string(1) "1"
["show_featured"]=>
string(4) "show"
["show_feed_link"]=>
string(1) "1"
["feed_summary"]=>
string(1) "0"
["feed_show_readmore"]=>
string(1) "0"
["sef_advanced"]=>
int(0)
["sef_ids"]=>
int(0)
["custom_fields_enable"]=>
string(1) "1"
["show_page_heading"]=>
string(1) "0"
["layout_type"]=>
string(4) "blog"
["page_subheading"]=>
string(2848) "" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-19 06:00:15" ["slug"]=> string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" ["catslug"]=> string(20) "82:property-showcase" ["link"]=> string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect" }
More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
Creating equity in a falling market and a long-term view of what to expect object(stdClass)#1387 (52) {
["id"]=>
string(5) "18556"
["title"]=>
string(63) "Getting finance approved in this tightening lending environment"
["alias"]=>
string(63) "getting-finance-approved-in-this-tightening-lending-environment"
["introtext"]=>
string(2804) "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: Facebook, Twitter 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
RELATED AREAS OF INTEREST:
Hobart
Bondi
Deception Bay
"
["fulltext"]=>
string(0) ""
["checked_out"]=>
string(1) "0"
["checked_out_time"]=>
string(19) "0000-00-00 00:00:00"
["catid"]=>
string(2) "45"
["created"]=>
string(19) "2018-09-17 06:16:11"
["created_by"]=>
string(4) "1689"
["created_by_alias"]=>
string(0) ""
["state"]=>
string(1) "1"
["modified"]=>
string(19) "2018-09-17 06:26:43"
["modified_by"]=>
string(4) "1689"
["modified_by_name"]=>
string(12) "Todd Stevens"
["publish_up"]=>
string(19) "2018-09-17 06:20:55"
["publish_down"]=>
string(19) "0000-00-00 00:00:00"
["images"]=>
string(225) "{"image_intro":"images\/podcasts\/John-Manciameli.jpg","float_intro":"","image_intro_alt":"John Manciameli","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
["urls"]=>
string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
["attribs"]=>
string(1002) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"","clientDesc1":"","clientImage1":"","clientUrl1":"","clientName2":"","clientDesc2":"","clientImage2":"","clientUrl2":"","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
["metadata"]=>
string(53) "{"robots":"","author":"","rights":"","xreference":""}"
["metakey"]=>
string(51) "finance, approved, tightening, lending, environment"
["metadesc"]=>
string(200) "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"
["access"]=>
string(1) "1"
["hits"]=>
string(2) "50"
["xreference"]=>
string(0) ""
["featured"]=>
string(1) "0"
["language"]=>
string(1) "*"
["readmore"]=>
string(1) "0"
["ordering"]=>
string(1) "0"
["category_title"]=>
string(25) "Smart Property Investment"
["category_route"]=>
string(25) "smart-property-investment"
["category_access"]=>
string(1) "1"
["category_alias"]=>
string(25) "smart-property-investment"
["published"]=>
string(1) "1"
["parents_published"]=>
string(1) "1"
["lft"]=>
string(2) "47"
["author"]=>
string(12) "Todd Stevens"
["author_email"]=>
string(33) "[email protected]"
["parent_title"]=>
string(4) "ROOT"
["parent_id"]=>
string(1) "1"
["parent_route"]=>
string(0) ""
["parent_alias"]=>
string(4) "root"
["rating"]=>
string(1) "0"
["rating_count"]=>
string(1) "0"
["alternative_readmore"]=>
NULL
["layout"]=>
NULL
["params"]=>
object(Joomla\Registry\Registry)#1371 (3) {
["data":protected]=>
object(stdClass)#1390 (96) {
["article_layout"]=>
string(14) "spbase:article"
["show_title"]=>
string(1) "1"
["link_titles"]=>
string(1) "1"
["show_intro"]=>
string(1) "1"
["info_block_position"]=>
string(1) "0"
["info_block_show_title"]=>
string(1) "1"
["show_category"]=>
string(1) "1"
["link_category"]=>
string(1) "0"
["show_parent_category"]=>
string(1) "0"
["link_parent_category"]=>
string(1) "0"
["show_associations"]=>
string(1) "0"
["flags"]=>
string(1) "1"
["show_author"]=>
string(1) "1"
["link_author"]=>
string(1) "0"
["show_create_date"]=>
string(1) "1"
["show_modify_date"]=>
string(1) "1"
["show_publish_date"]=>
string(1) "1"
["show_item_navigation"]=>
string(1) "0"
["show_vote"]=>
string(1) "0"
["show_readmore"]=>
string(1) "1"
["show_readmore_title"]=>
string(1) "0"
["readmore_limit"]=>
string(3) "100"
["show_tags"]=>
string(1) "1"
["show_icons"]=>
string(1) "0"
["show_print_icon"]=>
string(1) "0"
["show_email_icon"]=>
string(1) "1"
["show_hits"]=>
string(1) "0"
["show_noauth"]=>
string(1) "0"
["urls_position"]=>
string(1) "0"
["captcha"]=>
string(0) ""
["show_publishing_options"]=>
string(1) "1"
["show_article_options"]=>
string(1) "1"
["save_history"]=>
string(1) "0"
["history_limit"]=>
int(10)
["show_urls_images_frontend"]=>
string(1) "0"
["show_urls_images_backend"]=>
string(1) "1"
["targeta"]=>
int(0)
["targetb"]=>
int(0)
["targetc"]=>
int(0)
["float_intro"]=>
string(5) "right"
["float_fulltext"]=>
string(5) "right"
["category_layout"]=>
string(6) "_:blog"
["show_category_heading_title_text"]=>
string(1) "0"
["show_category_title"]=>
string(1) "1"
["show_description"]=>
string(1) "0"
["show_description_image"]=>
string(1) "0"
["maxLevel"]=>
string(1) "0"
["show_empty_categories"]=>
string(1) "0"
["show_no_articles"]=>
string(1) "1"
["show_subcat_desc"]=>
string(1) "0"
["show_cat_num_articles"]=>
string(1) "0"
["show_cat_tags"]=>
string(1) "0"
["show_base_description"]=>
string(1) "1"
["maxLevelcat"]=>
string(2) "-1"
["show_empty_categories_cat"]=>
string(1) "0"
["show_subcat_desc_cat"]=>
string(1) "1"
["show_cat_num_articles_cat"]=>
string(1) "1"
["num_leading_articles"]=>
string(2) "15"
["num_intro_articles"]=>
string(1) "0"
["num_columns"]=>
string(1) "0"
["num_links"]=>
string(1) "0"
["multi_column_order"]=>
string(1) "0"
["show_subcategory_content"]=>
string(1) "0"
["show_pagination_limit"]=>
string(1) "1"
["filter_field"]=>
string(4) "hide"
["show_headings"]=>
string(1) "1"
["list_show_date"]=>
string(1) "0"
["date_format"]=>
string(0) ""
["list_show_hits"]=>
string(1) "0"
["list_show_author"]=>
string(1) "0"
["list_show_votes"]=>
string(1) "0"
["list_show_ratings"]=>
string(1) "0"
["orderby_pri"]=>
string(4) "none"
["orderby_sec"]=>
string(5) "rdate"
["order_date"]=>
string(9) "published"
["show_pagination"]=>
string(1) "2"
["show_pagination_results"]=>
string(1) "1"
["show_featured"]=>
string(4) "show"
["show_feed_link"]=>
string(1) "1"
["feed_summary"]=>
string(1) "0"
["feed_show_readmore"]=>
string(1) "0"
["sef_advanced"]=>
int(0)
["sef_ids"]=>
int(0)
["custom_fields_enable"]=>
string(1) "1"
["show_page_heading"]=>
string(1) "0"
["layout_type"]=>
string(4) "blog"
["page_subheading"]=>
string(2848) "
More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
"
["menu_text"]=>
int(1)
["menu_show"]=>
int(1)
["page_title"]=>
string(53) "Finance Tips and Insights - Smart Property Investment"
["menu-meta_description"]=>
string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit."
["secure"]=>
int(0)
["page_description"]=>
string(11) "sample desc"
["page_rights"]=>
NULL
["robots"]=>
NULL
["access-view"]=>
bool(true)
}
["initialized":protected]=>
bool(true)
["separator"]=>
string(1) "."
}
["displayDate"]=>
string(19) "2018-09-17 06:16:11"
["slug"]=>
string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment"
["catslug"]=>
string(28) "45:smart-property-investment"
["link"]=>
string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment"
}
Getting finance approved in this tightening lending environment object(stdClass)#1374 (52) {
["id"]=>
string(5) "18541"
["title"]=>
string(61) "Why buying new property doesn’t mean buying better property"
["alias"]=>
string(59) "why-buying-new-property-doesn-t-mean-buying-better-property"
["introtext"]=>
string(288) "When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.
"
["fulltext"]=>
string(2442) "
In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital in a number of decisions which she made along the way.
Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.
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: Facebook, Twitter 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 the Australian property marketplace could change
How to double the power of your deposit
The different reasons to start rentvesting
"
["checked_out"]=>
string(1) "0"
["checked_out_time"]=>
string(19) "0000-00-00 00:00:00"
["catid"]=>
string(2) "45"
["created"]=>
string(19) "2018-09-13 05:12:36"
["created_by"]=>
string(4) "1689"
["created_by_alias"]=>
string(0) ""
["state"]=>
string(1) "1"
["modified"]=>
string(19) "2018-09-17 06:22:28"
["modified_by"]=>
string(4) "1689"
["modified_by_name"]=>
string(12) "Todd Stevens"
["publish_up"]=>
string(19) "2018-09-13 06:42:56"
["publish_down"]=>
string(19) "0000-00-00 00:00:00"
["images"]=>
string(227) "{"image_intro":"images\/podcasts\/Katarina-Taurian.jpg","float_intro":"","image_intro_alt":"Katarina Taurian","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
["urls"]=>
string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
["attribs"]=>
string(1002) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"","clientDesc1":"","clientImage1":"","clientUrl1":"","clientName2":"","clientDesc2":"","clientImage2":"","clientUrl2":"","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
["metadata"]=>
string(53) "{"robots":"","author":"","rights":"","xreference":""}"
["metakey"]=>
string(27) "buying, property, doesn’t"
["metadesc"]=>
string(200) "When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic"
["access"]=>
string(1) "1"
["hits"]=>
string(3) "111"
["xreference"]=>
string(0) ""
["featured"]=>
string(1) "0"
["language"]=>
string(1) "*"
["readmore"]=>
string(4) "2442"
["ordering"]=>
string(1) "1"
["category_title"]=>
string(25) "Smart Property Investment"
["category_route"]=>
string(25) "smart-property-investment"
["category_access"]=>
string(1) "1"
["category_alias"]=>
string(25) "smart-property-investment"
["published"]=>
string(1) "1"
["parents_published"]=>
string(1) "1"
["lft"]=>
string(2) "47"
["author"]=>
string(12) "Todd Stevens"
["author_email"]=>
string(33) "[email protected]"
["parent_title"]=>
string(4) "ROOT"
["parent_id"]=>
string(1) "1"
["parent_route"]=>
string(0) ""
["parent_alias"]=>
string(4) "root"
["rating"]=>
string(1) "0"
["rating_count"]=>
string(1) "0"
["alternative_readmore"]=>
NULL
["layout"]=>
NULL
["params"]=>
object(Joomla\Registry\Registry)#1375 (3) {
["data":protected]=>
object(stdClass)#1394 (96) {
["article_layout"]=>
string(14) "spbase:article"
["show_title"]=>
string(1) "1"
["link_titles"]=>
string(1) "1"
["show_intro"]=>
string(1) "1"
["info_block_position"]=>
string(1) "0"
["info_block_show_title"]=>
string(1) "1"
["show_category"]=>
string(1) "1"
["link_category"]=>
string(1) "0"
["show_parent_category"]=>
string(1) "0"
["link_parent_category"]=>
string(1) "0"
["show_associations"]=>
string(1) "0"
["flags"]=>
string(1) "1"
["show_author"]=>
string(1) "1"
["link_author"]=>
string(1) "0"
["show_create_date"]=>
string(1) "1"
["show_modify_date"]=>
string(1) "1"
["show_publish_date"]=>
string(1) "1"
["show_item_navigation"]=>
string(1) "0"
["show_vote"]=>
string(1) "0"
["show_readmore"]=>
string(1) "1"
["show_readmore_title"]=>
string(1) "0"
["readmore_limit"]=>
string(3) "100"
["show_tags"]=>
string(1) "1"
["show_icons"]=>
string(1) "0"
["show_print_icon"]=>
string(1) "0"
["show_email_icon"]=>
string(1) "1"
["show_hits"]=>
string(1) "0"
["show_noauth"]=>
string(1) "0"
["urls_position"]=>
string(1) "0"
["captcha"]=>
string(0) ""
["show_publishing_options"]=>
string(1) "1"
["show_article_options"]=>
string(1) "1"
["save_history"]=>
string(1) "0"
["history_limit"]=>
int(10)
["show_urls_images_frontend"]=>
string(1) "0"
["show_urls_images_backend"]=>
string(1) "1"
["targeta"]=>
int(0)
["targetb"]=>
int(0)
["targetc"]=>
int(0)
["float_intro"]=>
string(5) "right"
["float_fulltext"]=>
string(5) "right"
["category_layout"]=>
string(6) "_:blog"
["show_category_heading_title_text"]=>
string(1) "0"
["show_category_title"]=>
string(1) "1"
["show_description"]=>
string(1) "0"
["show_description_image"]=>
string(1) "0"
["maxLevel"]=>
string(1) "0"
["show_empty_categories"]=>
string(1) "0"
["show_no_articles"]=>
string(1) "1"
["show_subcat_desc"]=>
string(1) "0"
["show_cat_num_articles"]=>
string(1) "0"
["show_cat_tags"]=>
string(1) "0"
["show_base_description"]=>
string(1) "1"
["maxLevelcat"]=>
string(2) "-1"
["show_empty_categories_cat"]=>
string(1) "0"
["show_subcat_desc_cat"]=>
string(1) "1"
["show_cat_num_articles_cat"]=>
string(1) "1"
["num_leading_articles"]=>
string(2) "15"
["num_intro_articles"]=>
string(1) "0"
["num_columns"]=>
string(1) "0"
["num_links"]=>
string(1) "0"
["multi_column_order"]=>
string(1) "0"
["show_subcategory_content"]=>
string(1) "0"
["show_pagination_limit"]=>
string(1) "1"
["filter_field"]=>
string(4) "hide"
["show_headings"]=>
string(1) "1"
["list_show_date"]=>
string(1) "0"
["date_format"]=>
string(0) ""
["list_show_hits"]=>
string(1) "0"
["list_show_author"]=>
string(1) "0"
["list_show_votes"]=>
string(1) "0"
["list_show_ratings"]=>
string(1) "0"
["orderby_pri"]=>
string(4) "none"
["orderby_sec"]=>
string(5) "rdate"
["order_date"]=>
string(9) "published"
["show_pagination"]=>
string(1) "2"
["show_pagination_results"]=>
string(1) "1"
["show_featured"]=>
string(4) "show"
["show_feed_link"]=>
string(1) "1"
["feed_summary"]=>
string(1) "0"
["feed_show_readmore"]=>
string(1) "0"
["sef_advanced"]=>
int(0)
["sef_ids"]=>
int(0)
["custom_fields_enable"]=>
string(1) "1"
["show_page_heading"]=>
string(1) "0"
["layout_type"]=>
string(4) "blog"
["page_subheading"]=>
string(2848) "
More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.
Understanding the different financing options available to investors and how each of them can affect the growth of your portfolio is as important as mapping economic drivers and their influence on your assets.
Being well-acquainted with the ins and outs of property financing starts in understanding mortgages and interest rates, knowing the difference between loan products and features and being able to comply with the rules of taxation.
Is your property worth its weight in gold—from upfront costs such as deposit and stamp duty to ongoing costs including mortgage repayments and maintenance fees?
What is the difference between principal-and-interest loans and interest-only loans? Should you go for variable rates, fixed rates or split rates? Are offset accounts and redraw facilities worth the extra costs?
Are you getting the most out of your tax deductions? Is negative gearing a good strategy for you?
What is the ‘capital to cash flow curve’? How can you improve your credit score and, ultimately, your serviceability?
The ability to set up finance structures that match the investor’s goals, capabilities and risk appetite spells the difference between those who can access finance for a multi-property portfolio and those whose lack of borrowing power had them stuck with one property.
A knowledge on finance can help you thrive through unpredictable market movements, allowing you to protect your asset through various safety buffers and even craft a potential exit strategy should you feel the need to postpone your wealth-creation journey—all without having to overcapitalise.
Smart Property Investment gives you an insight on various financial news and advice from experts and seasoned investors. We gather up-to-date data and information on states and territories’ annual budgets, RBA cash rate decisions, lending regulations, market trends on lending and finance and the government’s influence on property financing.
The Finance section also covers expert advice and investor stories that will help you improve your financial literacy and ultimately identify the most effective finance strategies and solutions in today’s property market
"
["menu_text"]=>
int(1)
["menu_show"]=>
int(1)
["page_title"]=>
string(53) "Finance Tips and Insights - Smart Property Investment"
["menu-meta_description"]=>
string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit."
["secure"]=>
int(0)
["page_description"]=>
string(11) "sample desc"
["page_rights"]=>
NULL
["robots"]=>
NULL
["access-view"]=>
bool(true)
}
["initialized":protected]=>
bool(true)
["separator"]=>
string(1) "."
}
["displayDate"]=>
string(19) "2018-09-13 05:12:36"
["slug"]=>
string(65) "18541:why-buying-new-property-doesn-t-mean-buying-better-property"
["catslug"]=>
string(28) "45:smart-property-investment"
["link"]=>
string(85) "/investor-stories-1/18541-why-buying-new-property-doesn-t-mean-buying-better-property"
}
Why buying new property doesn’t mean buying better property Top Suburbs
latest news
Thanks for sharing this Scott. What...
Removing negative gearing would result...
Extremely interesting concise advice ....