Finance advice

6 finance mistakes all new property investors make

By Tim Neary

Today there are more finance options available than ever before, and with so much information at our finger tips, choosing a loan should be easy to do. But it isn’t always that simple. Make sure you’re not making one, or all, of these common errors. 

1. Going on spending sprees

Zaki Ameer, real estate expert and founder of Dream Design Property, says banks only have a limited amount of funds to allocate to loans, and therefore need to ensure they only approve those who will be able to pay them back.

“Many new investors are applying for loans of 90 per cent and upwards, and given this high level of debt, banks and insurers look at purchases from past statements to determine the applicant’s consistency to determine their eligibility,” he said.

“Any erratic purchases or trends will likely lead to the loan being rejected.”

2. Doing too much research

Afraid of making an uneducated decision, Mr Ameer says that many new property investors spend a significant amount of time researching each and every possible option.

“Although having an understanding of the market is important, if a person supplies their details with a bank regarding a loan, even if it’s just to enquire about rates, this can generate a hit on their credit file,” he said.

He said that strikes on a credit file means banks assume the person has been declined elsewhere, making it harder to gain approval.  

3. Forgetting to pay bills

Forgetting to pay one phone or credit card bill might not seem like an issue, but Mr Ameer points out that any missed payments places a default against a person’s record - which is a significant red flag when being assessed by banks and insurers.

“If a person is aware of any defaults against their name it’s crucial to be honest and address the reasons in an application; otherwise the person is deemed too untrustworthy,” he said.

4. Thinking brokers offer higher interest rates

Mr Ameer said an age old misconception is that brokers are more expensive than going directly through the banks because they add on a commission fee.

“Instead, brokers make a profit from the commission they receive from the bank once a client’s loan has been approved. This means that from the applicant’s perspective, a broker provides an unbiased expert opinion, free of charge,” he said.

5. Not having their current finances set up correctly

Mr Ameer said when applying for a loan, a person’s savings and credit card accounts are extremely important, and that many new investors don’t realise that a person’s credit card limit affects the chance of getting a loan.

“Even if the card has zero debt waiting to be paid off, the limit itself is still considered debt by the banks, as this is how much the person has the capacity to spend,” he said.

“Similarly, having all of a person’s money in one ‘everyday savings’ account is detrimental, as it isn’t reflective of how much is being saved specifically to repay the loan.”

6. Fixing interest rates at the wrong time

Most people fix rates when the rates are already on the way up, says Mr Ameer, instead of when rates are historically low, i.e. the current time.

“If an investor isn’t planning on selling the property, they should consider and weigh up the options for fixing the interest rates for the long term,” he said.

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, 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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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.

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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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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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A joint property portfolio before they were even living together

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