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Auction buyers risk loan shortfall
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Auction buyers risk loan shortfall

By Stefanie Garber
0

As market conditions heat up in capital cities, investors have been warned to avoid overpaying at auction or face a funding crisis. 

Investment adviser Philippe Brach from Multifocus Properties encouraged buyers to seek pre-approval from the bank before bidding at auction.

“A prudent buyer will obtain a pre-approval from the bank so they know what they can afford, and then they go to auction with that in their hands,” he said.

However, he warned banks often retain the option to value the property before issuing the loan.

Buyers who over-pay may end up in financial trouble, Mr Brach suggested.

“If the lender decides it's not worth what the buyer has paid for it, then the buyer has to find the difference from their own cash,” he said.

Bidders at auction should take care to “get it right”, according to Mr Brach.

“If you get excited and let the bidding get to stupid prices, you might get a nasty shock from the bank,” he said.

In addition, he suggested buyers keep extra funds on hand to cover any gaps in funding.

In every state except Queensland, cooling off periods are not applicable to auction sales.

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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: Facebook, Twitter 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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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: Facebook, Twitter 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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