Finance advice

6 tips to make the most of your portfolio this financial year

StephenMcGee 70x60It's time to clean up, shape up, and ship out all those bad habits.

Blogger: Stephen McGee, state manager, National Property Buyers QLD

So another financial year is over and tax time is about to reveal if you are running your property portfolio as a business or not. Using rental income to pay off your investment debt is not the only way of maximising your income from your investment. Here are my tips on how to get your house in order for the start of the financial year.

Tips to consider:
•    Landlord Protection Insurance:  
Even with efficient Property Management in place, tenants’ situations change, ie loss of job, sickness, separation and relationship breakdowns. This is when Landlord Protection Insurance comes into play. When choosing a policy, price should not be deciding factor.  Look at cover and benefits provided.

•    Tax depreciation Schedule report.
This is a great method of putting money into your piggy bank, but often overlooked.  Everything has a value but as an investor you need to know that you are getting the maximum depreciable value you can for your property and its attributes. We often take over the management of properties that the landlords were not advised or they did not know about it.

•    Valuation of your Investment Property:
To ensure you are keeping in touch with the current market, ask your Property Manager to arrange a review of your portfolio. This ensures you have insurance values correct and lets you know your equity standing in the property.  In this upwardly moving market, the time is now to utilise this equity towards a second or subsequent property!

•    Electronic records of income & expenditure:
Don’t leave it till June 2015 to ensure all your PM Statements are easily accessible and on hand.  Set up a “folder” on your computer/laptop to ensure easy reference and forwarding to your accountant at tax time.  NPB customers will appreciate our “Property Hub” web based portal where all statements, invoices etc  are dropped and stored each week to enable direct access and transfer to your tax man.

•    Efficient Property Management:
To maximise the value of your Investment, it’s essential to have a good working relationship with your Property Manager.  This means, he/she knows your property intimately, has excellent communication with you – and your tenants, and acts quickly and efficiently to fix problems, rectify issues and most importantly, keep you informed at all times.

•    Effective Loan structures and rates.
Make sure that you visit your financier & Tax advisor regularly to evaluate your loan position and structures of the loans. A dollar saved here is a dollar to spend there! NPB clients have access to all of our trusted panel of independent experts to help them with all of their financial needs.

Summary:
All points with a tick confirm you are in good Property Management shape.

Items with cross should be transferred to “To Do” list and acted upon immediately!


About Stephen McGee
StephenMcGee 340x408Stephen has over a decade of residential property buying and selling experience and is also an avid property investor himself. Since embarking on a career as Buyers Agent Stephen has assisted property buyers grow their portfolio with premium investment grade properties from the Gold Coast to Cairns.

Stephen can be contacted on: 07-38447376 or 0488501170 [email protected]

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About the Blogger

Amanda Segers

Amanda Segers

Amanda Segers is a buyers agent with over 12 years experience in the Sydney property market. She is the principal and owner of Amanda on My Side, specialists in both residential and investment property purchase. Read Amanda's blog.

Contact Amanda

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
Securing finance after life-changing events: ‘Cash flow is key’

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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
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

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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