Finance advice
Bob Korver

Unlock your equity

By Bob Korver

Accessing the equity in your existing dwellings is the key to growing your investment portfolio – but is it as easy as it sounds?

Blogger: Bob Korver, owner, Mortgage Choice Eight Mile PlainsEight Mile Plains, QLD Eight Mile Plains, QLD

With interest rates hovering at record lows and borrowing more affordable than ever, many Australians are looking to take advantage of the current environment and build their wealth by investing in property.

While some people save up a cash deposit to purchase an investment property, others look to unlock the equity they may have in their owner-occupied (or other investment) property.

In a nutshell, equity is the monetary difference between what your home is worth and how much you owe on your home loan.

In other words, if your home is worth $300,000 and your outstanding mortgage is $100,000, you technically have $200,000 in untapped equity that you can use to purchase additional properties and further build your wealth.

To find out whether or not you have built up enough equity in your property to purchase another dwelling, it is a good idea to speak to your mortgage broker or lender.

First, your mortgage broker or lender will arrange an accurate valuation of your existing property. This will help you to identify exactly how much your home is worth and how much equity you have available.

From there, your mortgage broker or lender will talk you through the next steps, including refinancing or redrawing on your current loan to access your equity.

Your broker and/or lender will advise you on the best way to finance your new property purchase and will then look to structure the loan in a way that is both manageable and best suited to your financial situation.

They can also talk you through the costs associated with either option. For example, if you refinance your loan to tap into your equity, you may be faced with a number of fees and charges including, but not limited to: stamp duty, application fees and solicitors’ fees.

Once you have identified the right financing option for your needs, you can get on with the important tasks at hand, like finding the ideal investment property.

A well-situated, tenant-friendly investment property can help you future-proof your wealth by providing you with a monthly income and valuable long-term asset.

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About the Blogger

Bob Korver

Bob Korver

Bob Korver is the owner of the Mortgage Choice Eight Mile Plains franchise in Queensland. He has more than 20 years’ experience in financial services, having held various senior positions at one of Australia’s major banks before joining Mortgage Choice in 2011.

With a Certificate IV in Financial Services and a Diploma of Finance and Mortgage Broking Management, Bob is well equipped to help his customers with a wide range of enquiries, including business lending, commercial property finance, equipment finance, car loans, personal loans and home loans.

Traditionally known for providing customers with expert home loan advice, today Mortgage Choice in Eight Mile Plains is well equipped to help customers with more than their home loan needs. The franchise can also help customers with their broader financial needs, including but not limited to, commercial loans, personal loans, business lending, equipment finance and even car loans.

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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