Finance advice

Investors Ask: Is it worth LMI?

By Mark Bouris

Q. It has taken me three years to save up $30,000 for a 10 per cent deposit on a property worth $300,000. Should I save for a few more years to get a lower LVR or buy now and run the risk of paying LMI?

A. This is a question that borrowers we speak to face almost every day.  Lenders Mortgage Insurance is protection for a lender which will allow a borrower to enter the property market sooner rather than later.  There is no “risk” associated with mortgage insurance; it is a cost that should be quoted to you well prior to you entering into the contract.  The end cost to a borrower depends on a number of factors, including the state in which they are purchasing the property, the mortgage insurance firm your lender uses as well as a number of other variables. As a rough guide, the cost for a $270,000 loan against a $300,000 property would be around $3,000 to $3,400.

The risk with the question to buy now or later really comes down to what you think will happen to property prices between now and when you could buy with a larger deposit.  Say it will take you another 3 years to save a 20% deposit, what can happen to property prices in the meantime may well make the $3,000 look like a relatively small cost.  Most people enter the property market not thinking it will go backwards, so let’s assume property prices increase by 5% per year for the next three years.  That means the property that is worth $300,000 now would be worth almost $350,000 in three years time, an additional cost of almost $50,000 based on reasonably conservative price growth assumption.

Yes mortgage insurance is an additional cost, and I do not believe in people purchasing beyond their means, however, if property prices increase, the risk can be in waiting.

This is one of the age-old property investor questions: new versus old, along with apartment versus stand alone house. Despite many accountants and property advisors recommending stepping away from older properties, adding some to your investment portfolio still has many benefits.

Mark Bouris, Chairman, Yellow Brick Road

Do you have an investment question you would like answered? Send yours to [email protected]

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podcast

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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

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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: 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!

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Sydney
Brisbane
Adelaide

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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!

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Revesby
South Hurstville
Sans Souci
Strathfield

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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. 

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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: 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!

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A joint property portfolio before they were even living together

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