Finance advice

Investment tip: Controlling your capacity to pay

By Bianca Dabu
cash

Before making a career out of helping property investors make smarter decisions, Todd Hunter spent years building his own property portfolio—an experience that gave him the capacity to give sound advice grounded on his own learnings earned throughout his journey.

While there are definitely uncertainties in the business of creating wealth through property, Todd believes that every investor has the ability to control their capacity to pay simply by following the fundamental principle: "Cash flow is king".

Todd had the advantage of having the good influence from his parents—who, according to him, have a "property fetish"—when he started his property investment journey at 19 years old.

However, like most first-time buyers, he went to purchase his first property by instincts instead of by research and professional consultations.

"My parents owned [a] motorcycle shop, a retail motorcycle shop and that business was purely there to fund their property fetish, really. They made lots of good money out of property. The instilled those qualities into us three kids. Me more so than probably my brother and sister. They taught us about money. Mum's very good with numbers," he shared. 

"I bought my first place when I was 19. It was just a one-bedroom unit in Cronulla. I bought it as a home. I had already saved up by then a 20 per cent deposit and the stamp duties.

"There was no such thing as the first home owners grant or zero stamp duty back then. It was purely,... 'It was nice, it was near the water, it was near Cronulla Mall...' There was no research, no data, [just] ‘Yep, this is nice. Yep, I can afford this.’"

From the very beginning, Todd had the importance of cash flow instilled in him by his parents, who are running a successful business at the same time that they were growing a property portfolio.

Property investor Andy Scott believes that cash flow should be a massive consideration for property investors as it can dictate the flow of one's investment journey.

According to him: "Cash flow is a massive... thing for all property investors—the ability to hold debt or hold property and have the capacity to pay that, however you generate that money, whether you’re a self-employed business person, or you get a PAYG [pay as you go]."

As an adviser to property investors, Todd always makes sure to remind his clients about this fundamental lesson in property investment. After all, understanding cash flow might just be the best foundation for starting a business of creating wealth through property.

"I've got some clients that are very good savers and who understand all those philosophies very well. There are a lot of people now that... have a mortgage broker for their finances and now they have a buyer’s agent to help them with their property," Todd said.

"It's not a bad thing if you’re using the right services. I think that if we don't understand it we just farm it out to somebody else. There's a lot of that that goes on in relation to the cash flow side of things."

Property investors can control their capacity to pay even in the midst of ever-changing rates in property markets by the way that they look at their serviceability, according to Smart Property Investment's Phil Tarrant.

"I do all of my numbers for my own portfolio at nine per cent. If I can't afford my portfolio at nine per cent, then I don't buy the next property... I say that to clients, 'You should be looking at this at nine per cent, not at six or six and [a] half,'" Phil explained. 

:Six and a half is the average interest rate that we've had over a long-term period. Is it going to get back there? Well, what's the average? Say ‘yes’ is the answer to that and [it could] probably go beyond at some stage. We haven't seen anything pass eight and three quarters to nine per cent for a very long time. I think I'm fairly well safe guarded by that aspect, by sitting at nine per cent.

"Cash flow is a definite big thing that you should be looking at. It's a big investment. You need to protect yourself. Going financially bankrupt or crippled is not something that you definitely want to go down that path at all," he concluded.

Tune in to Todd Hunter's episode in The Smart Property Investment Show to know more about whether investors are in trouble if they're relying on yield and what inevitable rate rises mean for property investors.

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property
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  ["title"]=>
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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