Finance advice
Paul Wilson

Is it time to lock in your equity?

By Paul Wilson

As interest rates go up, investors should move towards securing the value of their homes.

Blogger: Paul Wilson, founder, We Find Houses Group

The big banks have recently raised interest rates for owner occupiers, leaving many feeling nervous.

The banks say they need to pass some of the burden onto customers due to tougher regulations.

There are differing opinions for and against the banks’ decision: some believe higher capital requirements make the system safer – something that consumers will ultimately benefit from.

Some believe the changes will have a psychological impact on potential buyers and dampen confidence – which will lead to increased opportunities for savvy buyers.

Whatever the outcome of the rate hike, it’s your responsibility to prepare for any eventuality – including a downturn in the market.

This means locking down your equity to ensure you’re protected.

If you own your own home or an investment property, you have equity.

Simply put, locking down your equity means securing the value of your home and leveraging it for future investment.

But how?

In the current climate, property prices are going gangbusters, but what happens if a sudden downturn in the market strips value from your property?

To be prepared for this eventuality, and to secure funds for further investment, you should think about getting your home revalued immediately, then take this fresh valuation and secure a loan.

By getting your home valued, you will have a clear indication of your home’s worth right now and the power to refinance based on this equity.

So I’ve got some cash in my back pocket – what now?

You can either start looking for new investment opportunities or sit on your cash and wait until the market changes.

Your strategy is as unique as you are but the key here is you must have a strategy.

If investment is your goal, you need to make sure you have a plan in place to maximise the additional equity you’ve secured.

Read more: 

Perth prices still feeling the pinch 

10 top tips every investor should know 

Slow growth sets in 

Big gains from small business 

Bidders battle elements to boost clearance rates 

NEWSLETTER
Be the first to hear the latest property investment insights
 

About the Blogger

Paul Wilson

Paul Wilson

Paul Wilson is an Independent Property Investing Expert who's been educating and coaching investors since 2001. Author of 7 Deadly Mistakes Property Investors Make and How to Avoid Them, he also manages www.educatingpropertyinvestors.com.au, www.wefindhouses.com.au, and www.wefindfinance.com.au

Through his books and websites, Paul provides valuable, independent guidance and support by teaching strategies on how you can invest successfully, while protecting yourself from the common mistakes that trap many investors from reaching their full potential.

Paul doesn’t promote cookie cutter strategies, instead he demonstrates how you can create wealth as a property investor regardless of your budget, location, strategy and risk profile. Paul makes his home on the Gold Coast and spends his leisure time enjoying adventures, surf and sun with his wife and five children. Protect and grow your portfolio with knowledge. Contact Paul today for a complimentary consultation: 1800 690 890 and ask for Paul, or email [email protected]

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
Securing finance after life-changing events: ‘Cash flow is key’

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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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