Finance advice

Building your financial team – a basic checklist

By Bianca Dabu
team members

Finding the best people to make up your financial team is instrumental to the success of many property investors. Here's who you need on your side to help out your portfolio.

wHeregroup founder Todd Hunter joins Smart Property Investments Phil Tarrant and Tim Neary as they outline some of the key persons that investors need to keep them on the road towards achieving their goals: 

Mortgage broker

Todd believes that a mortgage broker is the “key guy” in an effective financial team.

“I think initially, probably just starting off, [you need] the mortgage broker side of things. Start with the mortgage broker and just see what sort of capacity you can actually borrow at,” he said.

Buyer’s agent

Finding the best buyer’s agent for your team entails a little bit of “shopping around.”

According to Todd: “If you’re going to use a buyer’s agent, then you need to be talking to several of them. Find out their angle because theyre all different. If theres any advice I can give you, it’s they have to be transparent, full disclosure. Ask them how much they charge, how do they earn their money, do they get hidden kickbacks or commissions off anybody at all? If thats the case, then you really dont want to be using that sort of person. You want someone with full transparency.”

Accountant

A good accountant will be able to give you the tax and accounting advice that will help you make the most out of your assets. However, Phil advises investors to be careful when picking the one to work with your financial team.

“Not all accountants are created equal. There [are] some very, very good accountants, but make sure that they are property investors themselves and not just in the game of tax minimisation. I know a lot of business owners. What they try and do in business is try and turn a very, very small profit or a very small loss because they try and run their personal finances through their business. What that means is that come tax time when your accountant does your tax return, it shows a very, very small profit. A lenders going to ask, ‘Whats going on?’ You know youre not painting yourself as the best borrower possible if youre not generating profit. Sometimes, its okay to show profit if it empowers you to be a better property investor, he said.

Property manager

Property managers can help you manage your assets in many different ways, especially if your property portfolio boasts establishments from a variety of locations or places you are not particularly familiar with.

Property investor

Property investors have the liberty to add as much mentors and helpers in their financial team as they see fit, but as in all businesses, they must be meticulous in choosing the people they will take on with them on their investment journey.

After all, building a financial team is an investment in itself.

Phil  said: “There’s a lot of people in the property investment space, and remember, property investment is not legislated or it’s not regulated by government. There’s a lot of stuff and noise happening around that and has been for years, but nothing’s really happening. As you sort of embark down this course of creating wealth through property, you need to understand that not everyone that works within property has your best interests in their best interests, which is an easy way of saying there’s a lot of people who will take you for a ride if they think they can. You need to be very questioning about the type of people who you choose to be a partner in terms of investing in property.

You need absolute transparency from anyone that supports you in this space. My recommendation would be to speak to as many people as possible. This is all about burning the shoe leather in terms of who you choose to support you on this thing, he concluded.

 

Tune in to The Smart Property Investment Show’s Q&A session to know more about the ways you can achieve long-term financial stability.

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FROM THE WEB

podcast

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

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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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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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

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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Launceston
Raceview

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A joint property portfolio before they were even living together

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