Finance advice
Helen Collier-Kogtevs

5 smart property finance tips for savvy investors

By Helen Collier-Kogtevs

Before you even think about researching your next property deal, you need to have all of your finance 'ducks in a row'.

Blogger: Helen Collier-Kogtevs, Real Wealth Australia

It pays to get your funding organised well before you begin ‘shopping’, or you might end up sorely disappointed when you miss out on a prime property investment…simply because you miscalculated your borrowing capacity.

To give yourself the best chance of a smooth and hassle-free finance journey, I recommend you do the following five things:

Know your budget. It’s crucial that you know what your borrowing power is before you begin shopping for property. You also need to understand that your borrowing power changes every time interest rates move up or down, so if rates do change, ask your broker to recalculate it.

Have your deposit ready. Before making an offer or going to auction on a property, be sure that you have ample funds on hand to use as the deposit.

Stress test the mortgage. When you’re calculating the repayments you can afford, use a higher interest rate than the one your bank gives you; I always recommend two per cent above the current standard variable rate. This is basically a “stress test” on the mortgage and gives you peace of mind that you can still afford the loan repayments if rates go up.

Triple check your lending policies. Your mortgage broker will advise you of the best lender to suit your needs, but remember that lending policies change frequently. Some lenders have high-risk attitudes towards certain property types such as those in mining towns, regional locations, high density complexes and studios smaller than 50 square metres. If your potential investment falls into one of these categories, run it past your broker so they can secure the best finance fit.

Create a solid financial strategy. When you’re structuring your finances on your new investment, make sure they complement your existing budget. For instance, you’ll want to pay off your owner-occupied mortgage or credit card debts faster than your investment loan, so make sure this is reflected in your financial strategy.

I hope this helps you in preparing to secure your next investment property - and with less stress.

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About the Blogger

Helen Collier-Kogtevs

Helen Collier-Kogtevs

Helen Collier-Kogtevs is the founder of Real Wealth Australia. She is a self-made millionaire who built wealth with her property investment expertise. Over the years she has pioneered Property Mentoring Programs dedicated to helping ordinary Australians to create property portfolios using her disciplined, low risk and systematic approach. She has written several bestselling books, has been interviewed on TV, radio and published in the largest publications in Australia.

FROM THE WEB

podcast

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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:

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RELATED AREAS OF INTEREST:

Hobart
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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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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
How to double the power of your deposit
The different reasons to start rentvesting

 

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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
The property investment process, simplified
A spiralling market, or just media spin?

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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