Finance advice

Find out how this investor overcame his debt-adverse mindset

By Bianca Dabu
Debt

Jack Chen has spent a decade building an impressive nine-property strong portfolio worth $5.2 million with his wife, but he admits that it has taken him roughly six years to realise that he could actually get equity out of his existing portfolio to fund future purchases.

His debt-adversity was overcome with the help of a trusted mortgage broker and the rest of his financial team, who laid out different options and strategies for him to move his investment journey further forward.

“[My mindset changed] when I sat down with a mortgage broker and then he laid out the options and I’m like, ‘Why didn’t I think of that all along? I kind of knew from reading books that that was a possibility, but I was always debt-adverse, I didnt want to borrow,” he shared with Smart Property Investment.”

I guess [its] just an element of fear and not wanting to take on too much debt. So the first four property purchases, I basically saved up a 20 per cent deposit just out of pure, hard-earned savings.

“But around the six-year mark of my property investing journey, the Sydney markets [had] done pretty well. There was a lot of spare equity there, a lot of lazy equity. So Im like I should really do something with this and I dont want to keep saving to invest because at that point in time, I had a [principal place of residence]. I wanted to actually save to pay down the non-deductible debt.” 

Right now, he and his wife are working with “property savvy” accountants and “investment savvy” mortgage brokers to whom they credit a big part of their success.

“This mortgage broker took me under his wing. He actually took time out of his weekends to actually show me around. He told me what to look out for, which streets to avoid, th[ose] sort of thing. I learnt a whole great deal from him and, together with a finance strategy in place, it allowed me to keep growing,” he said.

Smart Property Investments Phil Tarrant, who is admittedly a “pro-advice investor”, reiterates the importance of taking experts and professionals with you on your investment journey.

According to him: “Were with paying people to do stuff better than you can do it yourself – thats the way I see the world.”

Jack is now focusing on managing the $2.7 million worth of debt that they have accumulated over the years by a simple strategy of saving, debt recycling, and selling properties.

“Hard-earned savings over the last seven years, I’ve just been piling down that debt together with a debt recycling strategy – so this was where I actually pay down the PPOR debt, pulled the equity out as a new equity loan, used that to purchase dividend paying shares. I was using the dividend income to actually help pay down my PPOR debt which then I could pull out again as new debt and just continue that cycle,” Jack explained.

Tune in to Jack Chen’s episode in The Smart Property Investment Show to know more about the investment strategy that could allow him to retire today, as well as the drivers behind his wealth creation success.

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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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What 15 years in property investment teaches you
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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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