subscribe to our newsletter
Home/
Finance/
Borrowers don’t want to be locked in
Finance advice

Borrowers don’t want to be locked in

By webmaster
0

It would appear that today's property buyers prefer to keep their options open with almost all borrowers preferring variable interest rate home loans over fixed.

According to sales data released by mortgage broking group Mortgage Choice this week demand for fixed rate home loans fell to just two per cent of all new loan approvals in July.

Interestingly, this trend comes as fixed rates reach their closest parity with variable interest rates in a long time.

According to Mortgage Choice there is now less than half a percentage point difference between the average basic variable rate and average three year fixed rate.

The group found standard variable rates were most popular over July, most likely because of their associated professional packages. ‘Pro-packs’ tend to offer interest rate discounts along with credit cards and other special features.

While there is no wrong or right choice when it comes to choosing between fixed and variable rate loans it’s worth noting that a fixed rate will offer you security, while a variable rate will offer you flexibility. What’s right for you will depend on your own individual circumstances.

NEWSLETTER
Be the first to hear the latest property investment insights
 
0 Comments

advice

Tax and legal advice
‘Toughest’ Airbnb laws pass NSW parliament
Tax and legal advice
$1.1m fines, jail time for non-compliant combustible cladding in effect in NSW
Tax and legal advice
ATO increases scrutiny on short-term holiday rentals
Tax and legal advice
‘It is unfair’ – Experts weigh in on Victoria’s Airbnb legislation
FROM THE WEB
Recommended by Spike Native Network

trending

5 ways investors could be saving millions in tax dollars
Tax and legal advice
5 ways investors could be saving millions in tax dollars
Mortgage discount
Finance advice
Tips for negotiating a discount on a mortgage
Cam McLellan
Finance advice
How to consolidate your debt as a property investor
Blackburne Marina
Finance advice
It’s all in the planning when it comes to getting off-the-plan finance

podcast

object(stdClass)#1372 (52) {
  ["id"]=>
  string(5) "18424"
  ["title"]=>
  string(55) "Can property presentation result in a higher valuation?"
  ["alias"]=>
  string(54) "can-property-presentation-result-in-a-higher-valuation"
  ["introtext"]=>
  string(223) "
With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

"
  ["fulltext"]=>
  string(3002) "

Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.


Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.




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:

Do this one thing before you invest in a commercial SMSF property
Why is investing in commercial property in an SMSF so popular?
Premium property declines while affordable properties on the rise


AREAS MENTIONED: 


Sydney
Brisbane
Adelaide
"
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "45"
  ["created"]=>
  string(19) "2018-08-16 04:46:23"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-08-17 01:20:00"
  ["modified_by"]=>
  string(4) "1699"
  ["modified_by_name"]=>
  string(14) "Billie Andrada"
  ["publish_up"]=>
  string(19) "2018-08-16 04:50:06"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(223) "{"image_intro":"images\/podcasts\/Sally-Wood.jpg","float_intro":"","image_intro_alt":"Sally Wood, Opteon","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(49) "property, presentation, result, higher, valuation"
  ["metadesc"]=>
  string(200) "With the softening market impacting property values in many parts of Australia,  Sally Wood,  Opteon state director for NSW,  ACT and Qld joins us to discuss the importance of valuations in the curren"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(2) "34"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(4) "3002"
  ["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)#1324 (3) {
    ["data":protected]=>
    object(stdClass)#1321 (95) {
      ["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) "0"
      ["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"
      ["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) "2018-08-16 04:46:23"
  ["slug"]=>
  string(60) "18424:can-property-presentation-result-in-a-higher-valuation"
  ["catslug"]=>
  string(28) "45:smart-property-investment"
  ["link"]=>
  string(80) "/investor-stories-1/18424-can-property-presentation-result-in-a-higher-valuation"
}
Can property presentation result in a higher valuation? 
object(stdClass)#1335 (52) {
  ["id"]=>
  string(5) "18412"
  ["title"]=>
  string(100) "Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market"
  ["alias"]=>
  string(100) "top-100-ranked-agent-bill-tsounias-shares-the-secrets-to-getting-the-best-deal-in-a-softening-market"
  ["introtext"]=>
  string(301) "
A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

"
  ["fulltext"]=>
  string(2834) "

In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.


Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.




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:


Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds


AREAS MENTIONED:


Revesby
South Hurstville
Sans Souci
Strathfield
"
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "45"
  ["created"]=>
  string(19) "2018-08-13 06:55:51"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-08-16 04:41:08"
  ["modified_by"]=>
  string(4) "1689"
  ["modified_by_name"]=>
  string(12) "Todd Stevens"
  ["publish_up"]=>
  string(19) "2018-08-13 07:07:09"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(239) "{"image_intro":"images\/Podcast_headshots\/Bill-Tsounias.jpg","float_intro":"","image_intro_alt":"Bill Tsounias, McGrath","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(81) "top, 100, ranked, agent, bill, tsounias, shares, secrets, deal, softening, market"
  ["metadesc"]=>
  string(200) "A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing,  and while many real estate agents are also feeling the squeeze"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(2) "76"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(4) "2834"
  ["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)#1319 (3) {
    ["data":protected]=>
    object(stdClass)#1338 (95) {
      ["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) "0"
      ["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"
      ["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) "2018-08-13 06:55:51"
  ["slug"]=>
  string(106) "18412:top-100-ranked-agent-bill-tsounias-shares-the-secrets-to-getting-the-best-deal-in-a-softening-market"
  ["catslug"]=>
  string(28) "45:smart-property-investment"
  ["link"]=>
  string(126) "/investor-stories-1/18412-top-100-ranked-agent-bill-tsounias-shares-the-secrets-to-getting-the-best-deal-in-a-softening-market"
}
Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market 
object(stdClass)#1322 (52) {
  ["id"]=>
  string(5) "18404"
  ["title"]=>
  string(64) "A joint property portfolio before they were even living together"
  ["alias"]=>
  string(64) "a-joint-property-portfolio-before-they-were-even-living-together"
  ["introtext"]=>
  string(293) "
Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

"
  ["fulltext"]=>
  string(2893) "

In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.


Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.




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:

What makes a good investment suburb?
Two components of good investment research
How Greta purchased four properties in a year



AREAS MENTIONED:


Redcliffe
Port Macquarie
Loganlea
 Launceston
Raceview
"
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "45"
  ["created"]=>
  string(19) "2018-08-09 06:25:20"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-08-13 07:06:54"
  ["modified_by"]=>
  string(4) "1689"
  ["modified_by_name"]=>
  string(12) "Todd Stevens"
  ["publish_up"]=>
  string(19) "2018-08-09 06:29:35"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(215) "{"image_intro":"images\/podcasts\/Gavin-Kemp.jpg","float_intro":"","image_intro_alt":"Gavin Kemp","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(34) "joint, property, portfolio, living"
  ["metadesc"]=>
  string(200) "Gavin Kemp and his now-fiancé bought their first property together after only six months of dating.  They weren’t even living together at the time.  Now,  two years on,  the pair have bought five p"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(3) "121"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(4) "2893"
  ["ordering"]=>
  string(1) "2"
  ["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)#1323 (3) {
    ["data":protected]=>
    object(stdClass)#1342 (95) {
      ["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) "0"
      ["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"
      ["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) "2018-08-09 06:25:20"
  ["slug"]=>
  string(70) "18404:a-joint-property-portfolio-before-they-were-even-living-together"
  ["catslug"]=>
  string(28) "45:smart-property-investment"
  ["link"]=>
  string(90) "/investor-stories-1/18404-a-joint-property-portfolio-before-they-were-even-living-together"
}
A joint property portfolio before they were even living together

mortgage calculators

LOAN REPAYMENT calculator
extra REPAYMENT calculator
lump sum calculator
split loan calculator
principal & interest calculator
borrowing power calculator
stamp duty calculator
loan comparison calculator
Capital Gains Tax Calculator

Top Suburbs

Highest annual price growth - click a suburb below to view full profile data:
1.
CABARITA 43.12%
2.
LAKE CATHIE 38.98%
3.
MOUNT ANNAN 38.49%
4.
BROOKVALE 38.17%
5.
BOWRAL 38.14%

latest news

Milly Brigden
Quit the 9-5
Quit the 9-to-5: Why a passion for property is an important prerequisite
hotspot, property market, property investment
Buying
What Phil Tarrant’s buyer’s agent looks for in a hotspot
Borrowers don’t want to be locked in
SPI logo
ADVERTISEMENT

Latest Hotspots

hotspot, property market, property investment
Buying
What Phil Tarrant’s buyer’s agent looks for in a hotspot
Karratha Australia aerial shot
Research
House sales pump up in the Pilbara area over June 2018 quarter

mortgage calculators

LOAN REPAYMENT calculator
extra REPAYMENT calculator
lump sum calculator
split loan calculator
principal & interest calculator
borrowing power calculator
stamp duty calculator
loan comparison calculator
Capital Gains Tax Calculator
Property Market News Roundup
Spike Hotlinks
Spike footer

PROMOTED CONTENT

Promoted Content
Do this one thing before you invest in a commercial SMSF property
Promoted by Opteon. So, you’ve decided to expand your SMSF investment strategy, and started looking at buying a commercial...
Promoted Content
Australia’s Population Analysis
Promoted by Propertyology. 1,063 people per day: that’s how much Australia’s population grew by during the 2017 financial...

Latest Comments

If the capital assets are not permitted...

‘Toughest’ Airbnb laws pass NSW parliament

Yet again a state (nee liberal)...

‘Toughest’ Airbnb laws pass NSW parliament

What is short term letting - less than a...

‘Toughest’ Airbnb laws pass NSW parliament
object(stdClass)#1065 (31) { ["id"]=> string(4) "2666" ["contentid"]=> string(5) "18423" ["component"]=> string(11) "com_content" ["ip"]=> string(12) "1.144.106.96" ["userid"]=> string(1) "0" ["modified_by"]=> string(1) "0" ["date"]=> string(13) "10 hours ago." ["modified"]=> string(19) "0000-00-00 00:00:00" ["name"]=> string(7) "Jillian" ["email"]=> string(0) "" ["website"]=> string(0) "" ["notify"]=> string(1) "0" ["title"]=> string(0) "" ["comment"]=> string(43) "What is short term letting - less than a..." ["published"]=> string(1) "1" ["deleted"]=> string(1) "0" ["spam"]=> string(1) "0" ["voting_yes"]=> string(1) "0" ["voting_no"]=> string(1) "0" ["parentid"]=> string(2) "-1" ["importtable"]=> string(0) "" ["importid"]=> string(1) "0" ["importparentid"]=> string(2) "-1" ["unsubscribe_hash"]=> string(32) "6935231a1651ff66b4d80c7817183cf0" ["moderate_hash"]=> string(32) "cafa36156d09129a558eec135367bc62" ["customfields"]=> string(0) "" ["user_realname"]=> NULL ["user_username"]=> NULL ["user"]=> string(7) "Jillian" ["link"]=> string(56) "/component/comment/?task=comment.gotocomment&id=2666" ["overlayComment"]=> string(90) "What is short term letting - less than a week, less than a fortnight or less than a month?" }
OUR SITES

Accountants Daily

Adviser Innovation

Defence Connect

Fintech Business

Independent Financial Adviser

Investor Daily

Lawyers Weekly

Mortgage Business

MyBusiness

Nestegg

Real Estate Business

Risk Adviser

Smart Property Investment

SMSF Adviser

The Adviser

Wellness Daily

Which Investment Property


EVENTS AND SUMMITS

Australian Law Awards

Corporate Counsel Awards

30 Under Thirty

Partner of the Year

Women in Law

Future Forum

Better Business Summit

Australian Broking Awards

New Broker Academy

Bootcamp SME Broker

Australian Accounting Awards

SMSF Summit

ifa Excellence Awards

ifa Convention

Women in Finance Awards

Adviser Innovation Summit

REB Awards

MyBusiness Awards

About

Advertise

Contact Us

CATEGORIES

News
Podcasts

Expert Advice

Best Suburbs

Calculators


Finance

Research
Buying

Renovation

Development

Management

Tax & Legal

Our Portfolio

Copyright ©
·