Finance advice

Property not immune from Budget cutbacks

By Stefanie Garber

While last night’s federal Budget introduced no changes to negative gearing or capital gains tax, property investors may still be affected by austere spending cuts.

According to the announcement, the National Rental Affordability Scheme (NRAS) will be discontinued.

This program provided incentives for builders and investors to rent out properties at below market value to low-income families.

While existing NRAS properties will be unaffected by the change, round five of the scheme will no longer go ahead.

This move is expected to save the government $235.2 million over the next three years.

The Real Estate Association of Australia (REIA) welcomed an end to NRAS.

“The government has indicated that the National Rental Affordability Scheme should be reviewed – an action REIA supports,” president Peter Bushby said.

However, prior to the Budget, Property Council executive director Nick Proud came out in defence of the scheme.

“NRAS has been an important driver in increasing housing supply across Australia,” he said.

The Green Building Council of Australia also expressed support for the program, arguing it promoted housing affordability.

First home buyers may also face a tougher time under the new Budget, with the announcement the First Home Savers Account Scheme would be scrapped.

People saving to buy their first home using this account were eligible for government contributions to their savings.

The REIA expressed concern that first home buyer numbers would dwindle further as a result of this change.

“We would like to have seen the scheme reviewed and improved rather than simply thrown on the scrap heap because of an initial low uptake,” Mr Bushby said.

“With homeownership in Australia declining and first home buyers finding it increasingly difficult to enter the housing market, this will not help the situation.”

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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:

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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.

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RELATED AREAS OF INTEREST:

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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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