Finance advice

Financial experts share where property investors can channel their sales profit

By Bianca Dabu
Numerous $100 bills

Some property investors often look into selling some of their properties to save up and maintain a "core wealth," but in a financial point of view, what could actually be the best way to maximize hundreds of thousands of cash sitting around?

While putting money into a bank account— whether in high interest savings, term deposits, or other cash investments—may seem like the obvious choice, investors can also use it to offset against the debt on their other properties. Mortgage broker Troy Phillips believes that utilizing offset accounts is a good strategy to improve a property investor's cash flow.

"There's fixed rates now, with a hundred percent offset. So tip it in there, and save yourself some money and improve your cash flow. That's what I'd say... That's the best deal for a property player," he said.

Troy explained: "I'm not saying go and put it into a term deposit at 2.1 per cent with your favourite bank so that they can take margin on it. I'm saying give it back to the bank. If you've got a good fixed rate with a hundred per cent offset, put it in there, and you can redraw it at any other time. You're saving yourself money and you're improving your cash flow. It's a no-brainer."

Aside from minimizing risk, property investors are also providing themselves the chance to capitalize on opportunities once they arise.

Is it the right time to sell?

Financial adviser Tony Caine agrees that putting money in offset accounts is one of the best ways to go once an investor sells his property, but it is also important that one looks back on his own plans before taking this big step in their investment journey.

He said: "Say, 'Well, what's the purpose?" I think it’s important to put a purpose behind a sale or a purchase, and say 'What's my plan in 10, 15, 20 years?' and 'Okay, what's a good time, what's happening in my life, to make it make sense for me to sell that property?' "

"If you don't need the cash, it's all working well, it might sometimes make sense to retain that if it's gonna be long-term... There's always gonna be opportunities. It's a big country with a lot of different markets. That's what I think some people forget. They might be living in a market that's quite hot, and they're panicking. But there's always gonna be opportunities in other markets. I think I wouldn't rush. I'd wait till the perfect time, when you felt you could get a good opportunity, " Tony concluded.

Tune in to Troy Phillips and Tony Caine's episode in The Smart Property Investment Show to know more about the benefits of working with financial mentors, and why they believe that having an entrepreneurial edge and investing in one’s self is the key to investment success.

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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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Adelaide

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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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A joint property portfolio before they were even living together

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