Finance advice
Sam Saggers

7 tips for investing on a small income

By Sam Saggers

Investing in property isn't just for big earners and high rollers. Here's how you can buy multiple properties even if you don't earn much money. 

Blogger: Sam Saggers, CEO, Positive Real Estate

A corollary of Parkinson’s Law states “expenditures rise to meet income”.

Have you ever been a victim of this law?

You have if every raise you get is quickly swallowed up in your spending. Soon you reach the point where you can’t imagine ever living on less...even though you did once!

That’s why keeping a budget is so paramount to your success. Yes, those individuals with larger incomes should budget too. However, as someone with less cash at your disposal you’ve got to be really creative and disciplined to make the most of every dollar that comes your way.

Don’t let anyone tell you (including yourself) that you don’t make enough money to invest.

You can invest on a small income. Here’s how to get started:

1. To begin with, exercise patience. It will take time to build up your nest egg. It can be done with persistent, sustained effort. Remember that investing is a long-term strategy - no matter what size your income.

2. Establish a pattern of saving weekly. Whether it’s $25, $50 or $500, consistently put money into an interest bearing savings account.

Lenders will want to see that you’re a steady saver.

3. Start small by buying an investment well within your budget. However, don’t buy ONLY because you can afford it. You’ve got to have a strategy first. In other words, what are you going to do with the property?

4. Combine resources with other investors - preferably investors who have experience with both property investing and joint venture schemes - and buy through a joint venture.

The following factors should be part of the agreement:
● A sinking fund to cover vacancies, repairs and strata fees.
● Who is responsible for what.
● How insurances, taxes and depreciation will be managed.
● How long the property will be held and what will be done with it, including percentages of ownership.
● What to do if someone wants to leave the JV agreement.
● How it will be managed - property manager or one of the partners.
Part ownership is much better than NO ownership at all!

5. If you currently own a home, you can tap into your equity to obtain the capital you need to buy an investment property.

As cash flow will be a concern, don’t opt for negatively geared properties. Find something that will be cash flow positive from the start - before taxes.

6. Unless you are able to put 20 per cent down you’ll be required to carry LMI (lender’s mortgage insurance), which can significantly add to your repayment costs. Be sure to include these costs when calculating what you can afford.

7. Buy an off-the-plan purchase, bought at the early construction stage, using special considerations such as a first homeowner grant. Obviously you’ll have to take possession as a homeowner but after a period of time you can turn it into an investment property and rent or buy another property.

Read more: 

Nation's best property experts uncovered 

What do stock market conditions mean for property investment? 

5 common mortgage mistakes

How you can outplay the market 

6 reasons to fire your property manager 

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About the Blogger

Sam Saggers

Sam Saggers

Sam Saggers is the CEO of Positive Real Estate, one of Australia's leading property investment and educational companies and highly sought-after buyers agencies. As a licensed real estate agent in every state of Australia, Sam's passion is assisting people to invest successfully in the Australian property market. He has personally brokered over 1,600 property deals in his fifteen-year career and has helped to educate more than 5,000 people in real estate principles through Positive Real Estate. Sam is the co-author of Think and Grow Rich In Property by Stuart Zadel and How to be in Debt for Millions and Be Happy About itand is currently in the process of writing another book on investing in property in Australia. Sam Saggers is also a keynote speaker on real estate and has recently founded the Property Wholesales Co-operative.

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podcast

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Will Magee has had ambitions to enter into the Australian property market for quite some time, but it has been more than just finances holding him back.  Having been granted permanent residency just two weeks ago, Will is wasting no time and is now in the process of signing papers and finding his first investment property.

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In this episode of the Smart Property Investment Show, Will joins host Phil Tarrant to share why he is purchasing his first property in partnership with his brother, discuss the complications that can arise from such a strategy, and unpack the ongoing plan for building a joint property portfolio with his brother.

Will will also share how they approached saving for their first property, why he is taking out the mortgage in his name exclusively, and share their savings plan for the year ahead.

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:

From property in Australia to a ski lodge in Japan
Mortgage Trusts, an alternative first step for property investors
Should a real estate title be in one person’s name only?

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A property investment plan years in the making
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Median house prices in regional Victoria outperformed that of Melbourne in the June quarter, the latest REIV figures reveal. 

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Median house prices in the regions rose 4.0 per cent to $419,500 but in Melbourne they dipped by 0.6 of a percentage point to $840,000.

The result in Melbourne was due to a 0.8 of a percentage point fall in prices achieved at auction; this was despite a lift of 2.3 per cent in private sales.

Inner Melbourne suffered due to auction prices, where median prices fell by 4.9 per cent to $1,459,000 but it was middle Melbourne that was hardest hit, with a 5.4 per cent drop to $974,500.

Outer Melbourne had a good quarter with the median rising by 0.5 of a percentage point to $681,000.

Apartment prices in regional Victoria grew by 3.7 per cent to $304,500 while the metro media was up by 0.5 of a percentage point to $604,000.

REIV President Richard Simpson said that despite fewer sales, many sectors of the market were performing well.

“2017 was a bumper year and while the trendline has flattened, despite the fall in median house prices in the June quarter, median prices are still up this calendar year for both houses and units, in Melbourne and in the regions,” Mr Simpson said. 

In particular there was been strong growth in regional centres which is probably due to the first-home buyers’ concessions said Mr Simpsons.

“The first-home buyers’ concession has been a boon for regional areas. A new entrant to the property market buying a house at the regional median will pay no stamp duty, while a first home buyer of an apartment in Melbourne at the median price would pay stamp duty of nearly $25,000,” he said.

Mr Simpson said that more prospective buyers are looking towards regional Victoria which is also having an effect in Melbourne.

“Melbourne’s outer perimeter continues to grow. Small increases in the June quarter mean that the median prices for both houses and units have risen over 10.5 per cent from a year ago.

Mr Simpson said moving forward that vendors need more realistic expectations as the highs of 2017 are now over.

“Negative chatter about the future of the sector coupled with stronger lending controls by financial institutions has created some uncertainty and vendors need to be realistic with their price expectations,” Mr Simpson said.

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Regional Victoria showing up Melbourne in price performance, new data finds
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  string(381) "

If Mark Hodge’s face looks familiar to you it could be because of his time working as a professional entertainer which saw him working with the Australian ballet, appearing on multiple seasons of Dancing with the Stars and touring in musical theatre for 17 years. What you may not know is that Mark is also heavily involved in the short-term property rental marketspace.

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Mark joins host Phil Tarrant to discuss his transition from entertainer to investor, a journey pushed forward by dance related injuries and even a hit and run which saw him needing to find alternate methods to bring in an income. Mark shares how bad long-term tenants and a gang member guided him to the short-term rental market, and how this pushed him into helping others to realise the same benefits.

Mark will also address the common concerns, discuss what his company Maisonnets specialise in and unpack how they are making the process of filling short term rentals easier for investors.

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 hard-to-swallow truth: The prickly points of the Airbnb reforms
Airbnb reforms unpacked for property investors
Airbnb leasing: What are a landlord’s rights and responsibilities? 


AREAS MENTIONED:

Melbourne
Sydney
Rushcutters Bay
Maroubra
Potts Point

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From pirouettes to property investment

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