Finance advice
Andrew Crossley

Property investment advisors can help where financial planners cannot

By Andrew Crossley

Many people turn to financial planners or advisors when they're trying to secure their financial future - but these professionals may not be able to help you with property research and selection.

Blogger: Andrew Crossley, Australian Property Advisory Group

Many people, when they think of obtaining advice, turn to financial planners/financial advisors. Let’s bust the myth that they can help you with specific property research and property sourcing.

The financial planning industry deals with investment products (securities). Currently, the Australian Securities and Exchange Commission — ASIC — does not recognise property as an investment security, although, more recently (as of late 2013), property in an SMSF (self-managed super fund) is a financial product.

ASIC (an independent Commonwealth Government body) contribute to the wellbeing and reputation of the Australian economy, helping investors become more informed and confident by ensuring fairness and transparency in Australia’s financial markets. Their responsibility includes enforcing and giving effect to the law, making information available to the public on companies and other bodies.

Generally, financial advisor licensing requirements do not permit them to provide specific property advice, or provide product. A good financial planner will generally provide advice on asset allocation of funds, of which a proportion may be allocated to property. Shares, managed funds, superannuation structures and insurance are predominately the main examples of what ASIC regulates and what financial planners may be able to advise on. It does not typically include specific property, nor does it include credit advice like mortgages.

The bigger issue for advisors is they have not traditionally been able to obtain professional indemnity insurance, to advise on specific property. They need to advise on it as an asset class but, under their financial planning licence, they cannot typically provide specific advice on specific property.

People do need advice
Literally anyone can be involved in property, which has resulted in there being many predators in the field. The property market has also attracted highly ethical people, and they are very professional. With so much noise and distraction everywhere, it is (all too often) difficult to spot the difference between the good and the bad.

A true property advisor conforms to the following
The fundamental backbone of any regulated industry should follow these key points:
• Barrier of Entry — Advisors must complete the PIAA Property Advisor Course, complete either a NSW Agents’ Representative Course, or the full course, to obtain a full license as a real estate agent (equivalent to what is required to work as a real estate agent.)
• Adherence to a code of conduct, and commitment to appropriate transparency of any vested interest, commissions, or conflicts of
interest
• Provision of professional indemnity insurance
• See that complaints procedures are managed by members
• Inclusion of a model designed to encourage and allow industry participation, and develop greater levels of professionalism (rather than a model designed simply to enforce compliance.)

All of this acquired knowledge culminates in an individual who has the adequate education to allow the professional indemnity insurance provider to then provide them with cover. The fact that a person is eligible for professional indemnity insurance sets them apart from everyone else. Those in the industry who are not eligible to receive property indemnity insurance should not, and must not, provide property advice.

The above is an extract from Andrew Crossley's new book Property Investing Made Simple. Stay tuned for part 2 of this series on property advice.

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About the Blogger

Andrew Crossley

Andrew Crossley

Andrew Crossley is a property investment advisor and property advocate and the founder of Australian Property Advisory Group, specialising in representing the buyer not the seller. He is also the author of the #1 International Amazon Best Seller ‘Property Investing Made Simple’ comprising of the 7 key tips to reducing property investment risk and create real wealth. (Busybird Publishing, $24.95). For more information visit www.australianpropertyadvisorygroup.com.au

 

FROM THE WEB

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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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RELATED AREAS OF INTEREST:

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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!

RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
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Why buying new property doesn’t mean buying better property
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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:

The investment strategies that actually work
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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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.

" ["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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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