Finance advice
Richard Symes

Making the most out of historically-low interest rates

By Richard Symes

With the cost of mortgages expected to fall even further after interest rates plummeted to a historic low in February, it is not surprising that real estate has become the most attractive investment for 2015.

Blogger: Richard Symes, CEO, Credit Repair Australia

CommSec chief economist Craig James said the new interest rates are providing Australians with "the best borrowing conditions they have ever seen". If, as predicted by many economists, rates fall another one percentage point in coming months, this would take them to their lowest in over 40 years.

Lower interest rates make it cheaper to borrow, which encourages spending and investment. A fall in interest rates reduces the monthly cost of mortgage repayments, leaving householders with more disposable income. Buying a property to rent is the most popular form of investment because it can be less volatile than shares or other investments.

However, if you take out a loan to purchase an investment property, remember, it’s likely that rates will rise again in the future. Planning as if low interest rates would last forever carries its own risks. For most people, a rise in interest rates will mean increased repayments on mortgages, power and phone bills, credit cards and other loans. If you start running behind with bills and are unable to make repayments, this may result in a black mark against your credit report, or you may end up with significant debt problems.

Property investment isn’t an instant road to riches and there are a number of factors to consider before doing so:

1. Check your credit report
The first step towards owning your investment property is getting approved for finance. To get approved, your lender will look at your credit report to assign you a credit rating. A good credit rating means you can access more home loan options and your interest rates could be lower, possibly saving you thousands. You can get a copy of your credit report by contacting Credit Repair Australia or through the Credit Reporting Agencies, such as, Veda Advantage and Dunn & Bradstreet.

2. Develop a budget for the future
Think about the income you expect to receive from the investment property and the expenses associated to it. Buying, selling and managing an investment property will have an impact on your overall return. Think of factors likely to occur (such as an increase in interest rates, if you are planning to start a family, etc.) and whether you can cover any shortfall in the mid to long term. Also consider whether you could cover all expenses short term if you had no tenants for a while.

3. Negative equity
Consider how long you will keep the investment property. If circumstances changed and you had to sell the investment in a hurry, you may not obtain a positive return out of it. If the value of the property goes down you could end up owing more than the property is worth.

Buying an investment property continues to be one of Australia’s favourite ways to invest their money. It’s not easy to buy your first investment property, but when done well, it can create long-term wealth for you and your family.

 

 

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About the Blogger

Richard Symes

Richard Symes

Richard Symes is the CEO and founder of Credit Repair Australia, the leading provider of credit and debt solutions. Richard pioneered the credit restoration sector and developed Australia’s first credit restoration process over a decade ago, allowing Australians to have black marks completely removed from their credit report. In 1999 Richard also played a pivotal role in using new Australian laws to develop workable solutions for people struggling with debt. Known as Credit Repair Australia’s debt solutions, these options now allow Australians to pay back their debts at an amount that is affordable, which may not include interest or paying the full amount of what is owed.

“We are good at what we do because we believe in what we do. We enjoy helping people get their lives back, especially when they are affected by their credit rating. We built Credit Repair Australia with one purpose in mind, to get results that can give people back control of your life.”

For more information on Credit Repair Australia visit www.creditrepairaustralia.com

FROM THE WEB

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With the softening market impacting property values in many parts of Australia, Sally Wood, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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!

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Sydney
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Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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!

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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!

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Launceston
Raceview

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A joint property portfolio before they were even living together

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