Finance advice

How to avoid financial pains from rising interest rates

By Sasha Karen
Avoid

Property investors are set to feel financial pains by the big banks to further increase interest rates for interest-only loans, but this can be avoided through depreciation, according to the managing director of a tax depreciation company.

With recent interest rate rises for interest-only loans, which include NAB with a 0.35 per cent increase to 6.25 per cent, Westpac with a 0.34 per cent increase to 6.30 per cent, while ANZ led the charge earlier in the month with a 0.3 per cent increase to 6.26 per cent, the recent building boom has put investors under pressure.

This pressure has been felt especially in Sydney and Melbourne, with rental yields for houses falling below 3 per cent.

“With borrowing costs for investors now above 6 per cent, these latest increases in interest rates will certainly put financial pressure on many property investors who will now face cash flow problems,” Paul Bennion of DEPPRO said.

“In particular, property investors who paid large sums of money for homes over the past year in Sydney and Melbourne will be most under pressure.

“The capacity of investors to boost cash flow through increasing weekly rents is limited by the fact that rental returns are low and also by the growing supply of new rental accommodation in many capital cities.”

Mr Bennion said that with lowered rental yields, investors will need to find alternatives to increase their cash flow.

He suggests they utilise every possible tax benefit available to them, which DEPPRO estimates is an avenue not many investors take, with only one in five investors following up on all potential tax depreciation entitlements.

“Investors fail to understand that the tax benefits from depreciation can be just as important as rental income and that tax benefits obtained through depreciation can be equivalent to 60 per cent of the total purchase price of the property,” Mr Bennion said.

“Property investors who have a portfolio of investment properties should also realise that they can claim tax depreciation benefits retrospectively if they have not done so in the past.”

Repayments Loan Calculator can be used to estimate your mortgage repayments by using the length of the loan term, interest rate, and LVR.

 

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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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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.

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A joint property portfolio before they were even living together

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