Finance advice
Paul Glossop

Hidden equity opportunities

By Paul Glossop

Putting together a deposit can often be the hardest aspect of purchasing a property, particularly for first time investors. But before you commit yourself to years of austerity, consider these alternative opportunities. 

Blogger: Paul Glossop, director, Pure Property Investment

Let me preface this blog by saying that this strategy is NOT for everyone.

Using someone's equity as a deposit or to securitise an investment property will incur risk from all parties if the investment turns sour. Always seek the advice of a qualified financial adviser/ mortgage broker.

But that said, I have worked with numerous clients who have adopted this strategy which has enabled them to leap into the investment market years before they could otherwise save the equivalent amount of money – in turn making them big money though property investment in today's market.

Case study:

A client had a $20,000 deposit in 2012 and wanted to buy their first investment property. Even though this was enough for a five per cent deposit at the time, the bank was not keen to lend to this person given they had no other assets and were on a graduate income.

So the strategy was to engage their parents to guarantee the new investment using their home a security. (Again there is a level of risk and each person’s circumstances need to be assessed individually).

So the parents of this client agreed to guarantee the investment using their family home and the client made their first investment in western Sydney for $193,000 (positively geared).

12 months later the same client wanted to invest again having saved another $20,000.

At this stage the first investment property had increased six per cent and the bank were willing to release the parents’ house as security and the first property was now held unencumbered by the client.

The client pursued the second investment property and has since purchases EIGHT MORE. Their total portfolio is now worth more than $3 million with a net equity of $1.2 million and is held neutrally geared, even though it started from just a $20,000 deposit four years ago.

The moral of the story is that without the initial 'tapping of equity' four years ago this client would still be working hard to save enough money to purchase their first home.

As the saying goes: “A ship in the harbour is safe, but that's not what ships are made for”.

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About the Blogger

Paul Glossop

Paul Glossop

Paul Glossop is the founder and director of Pure Property Investment. Paul has built a substantial property portfolio, focusing on the fundamentals of property investing. He founded Pure Property Investment to enable investors to experience a truly holistic approach to property investment. From the initial consultation to the acquisition of the property, Pure Property Investment is a true partner for its clients through the entire journey. We specialise in sourcing properties Australia wide that are below market value, positively geared and primed for capital growth.

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
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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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