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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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

Two components of good investment research
How this investor diversified her property portfolio
Should rentvestors eventually buy a principal place of residence?

AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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:

Why is Australian property so unaffordable?
Brisbane infrastructure attracts international interest
Going global
Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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