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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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

Two components of good investment research
How this investor diversified her property portfolio
Should rentvestors eventually buy a principal place of residence?

AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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What 15 years in property investment teaches you
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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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:

Why is Australian property so unaffordable?
Brisbane infrastructure attracts international interest
Going global
Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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