Finance advice
Paul Glossop, buyer's agent

How to build a large investment property portfolio on an average income

By Paul Glossop

One of the most common concerns from investors on the lower end of the income scale is that they can’t afford large portfolios, but this could not be further from the truth.

The fact of the matter is that anyone can get started building an investment property portfolio, even those with only average income.

Do your research
When people are first getting started in property investing, we often see them trying to choose properties based on emotional attachments rather than on financial projections. This is perfectly fine if you are shopping for your personal home, but it can be hugely detrimental when shopping for investment properties.

Instead of choosing a property because you fell in love with the beautiful glass front door, you need to look at properties from an investment perspective. They may not be as beautiful as a home you would buy for yourself, nor may they be in an area with which you are familiar, but if the home is functional and in a good location - and in the correct part of the property cycle - it can be incredibly lucrative as an investment property.

Obtain a mortgage
Another common mistake we often see in investors with average income is thinking that they need to save up a massive deposit to purchase a property.

In reality, you can qualify for a mortgage with very little money upfront. Keep in mind that your tenants will be paying you monthly rent, which you can then use to pay your mortgage.

Many mortgage agreements will even let you make interest-only repayments on investment properties. This can help to keep your expenses down while you are seeking out tenants.

Use your equity
If you have equity built up in your personal home, you can borrow against that equity to purchase your first investment property. Then, once you have built some equity in that property, you can borrow against it to purchase additional properties. This way, you can start building your property portfolio without having to even touch your salary regardless of your income levels.

As you bring down the mortgages on your existing properties, you'll have even more equity to work with for buying future properties. Once some of your properties are completely paid off, the rental income they generate will give you passive income that can someday support you in retirement.

Don't wait
The biggest mistake we see new property investors makings is assuming barriers for entering the property market that most of the time don’t exist. The longer you wait, the more rental income you are missing out on and the longer it will take you to build up your property portfolio.

Start a discussion with industry professionals (buyer’s agents, mortgage brokers, accountants) who have a track record of structuring investment property portfolios for investors with average incomes.

Income is typically not the barrier, it’s the individual.

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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
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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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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