Finance advice
Paul Bennion

Low interest rates delivering new building boom in Australia

By Paul Bennion

Low interest rates over the last eighteen months are now beginning to have a major impact on the residential building sector with building construction now rising strongly throughout Australia.

Blogger: Paul Bennion, Managing Director, DEPPRO tax depreciation specialists

This trend is underlined by the latest ABS building approval figures for new dwellings.

They show that during the past year the past year, the number of new dwellings approved for construction has jumped by 25% throughout Australia.

The biggest growth was in higher density homes such as apartments with private sector dwellings –excluding houses – surging by 39.4%.

In Western Australia, for example, residential building approvals are now at a near record high with 21,227 private sector homes being approved last year which was just short of the all-time record year of 2006 when 21,367 new dwellings were approved.

Over the last year, property investors have helped the drive the demand for new housing especially higher density homes such as apartments. Low interest rates have encouraged many first time investors back into the property market and with interest rate set to remain steady for some time, this is only giving further confidence to investors to purchase more properties.

Rental returns are also high and with property prices rising, developers are therefore finding it much easier to sell new apartment developments off the plan to property investors.

This trend is reflected in the number of tax depreciation schedules undertaken by DEPPRO for investors buying new properties which overall has jumped by up to 30% in some areas of Australia.

In particular, DEPPRO is finding strong demand amongst first time investors for tax depreciation reports who have recently bought a new apartment.
However, it is unfortunate that many first time property investors who purchase apartments and units for investment purposes are still the most common group of investors who fail to obtain the full tax depreciation entitlements.

These first time investors fail to understand that the tax benefits from depreciation can be just as important as rental income. This is particularly the case with people buying an apartment because one year’s depreciation allowance could be equal to several years of rental income.

While there are many issues concerning the depreciation entitlements on properties, in most cases, strata style homes such as apartments provide a higher rate of depreciation than houses - all being equal.

Currently, there are a large number of new strata developments being sold to investors in Australia. Generally, owners of these strata style homes only depreciate the internal fixtures of the property without taking into account other items such as common property areas including car parking and recreational facilities.

Most investors do not realize that tax benefits obtained through depreciation can be equivalent to 60% of the total purchase price of the property.

For investors buying a new apartment this can equate to over $250,000 in possible tax benefits through depreciation. A large proportion of these tax benefits are never claimed which means that each year hundreds of millions of dollars in tax benefits are lost every year by investors not claiming their legitimate entitlements.

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About the Blogger

Paul Bennion

Paul Bennion

Paul Bennion is the managing director of DEPPRO tax depreciation specialists.
DEPPRO Pty Ltd is Australia’s leading property depreciation company, specialising solely in the preparation of tax depreciation reports for residential, commercial, industrial and leisure investment properties.

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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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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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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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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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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Getting finance approved in this tightening lending environment

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