Finance advice

Investors ask: Struggling with repayments

By Margaret Lomas

I bought a ‘blue chip’ property as my first investment and pushed myself to the limit. I’m struggling to make repayments. Is it worth selling up?

I am worried that you have bought an investment property without doing the most important thing first – becoming educated. Already you are suggesting you sell up to buy something smaller – the size of a property is not a feature which makes it good or bad.

The first thing you must do is determine just how difficult your financial circumstances are right now. Will a new budget allow you to stay in this market, or will the inevitable end be that you get so far behind in repayments that you have a forced sale on your hands? If this is where you are headed then it’s moot whether this property is ultimately a good investment or not – you just cannot afford to keep it.

If you have determined that you can still keep up with repayments, your next step is to ascertain whether you have a good investment, or a lemon. The term ‘blue chip’ means nothing these days; it’s frequently a term spruikers use to sell property. True blue chip exists in an area rich in growth drivers and this can happen anywhere, not only CBDs. In fact, at the moment our large regional centres where industry is diversified present the best buys right now.

If it isn’t stacking up, you may need to sell, cut your losses and buy again.

Margaret Lomas, founder, Destiny Financial

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About the Blogger

Margaret Lomas

Margaret Lomas

Margaret Lomas is the Host of two weekly property investment shows on Sky News Business Channel 602; 'Your Money Your Call' and 'Property Success with Margaret Lomas' which she creates and produces. Margaret regularly travels Australia summing up the potential of the investing landscape for her popular 'Town Spotlight' where she explores the hotspots property investors need to know about. Margaret is the best-selling author of 6 Property Investment books, including titles such as 'How to Create an Income for Life' and '20 Must Ask Questions® for Every Property Investor.' She has just released 'Investing in the Right Property Now!', a book packed with the latest investing guidelines.

In addition to being the Founder and Director of Destiny Financial Solutions, a company which has assisted Property Investors across Australia through mentor support and education for more than 15 years, Margaret is the past chair and current board member of the Property Investment Professionals of Australia (PIPA). Margaret is a past Telstra NSW Business Woman of the Year and Westpac Business Owner of the Year, and her company was a recipient of the Australian Business Award for Best Value.

Margaret is a qualified financial adviser and investment property adviser; she is Senior Associate with FINSIA - the Financial Services Institute of Australasia - and regularly presents seminars around Australia to new and experienced property investors.

FROM THE WEB

podcast

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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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      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.

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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!

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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.

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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: 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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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.

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Why buying new property doesn’t mean buying better property

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