Finance advice

How property investors should deal with rate hikes

By Bianca Dabu
Rate hikes

Property investors are often taken aback by interest rate hikes from the majority of banks, but while it could definitely have an effect on one’s journey there are also ways to navigate your way through and continue on the path of successfully creating wealth.

Several banks have enacted a round of rate hikes, and the past few years have seen historic lows with regards to exchange rates, cash rate, and lending rates.

For investors who have tenanted properties, it could be as simple as “rates up, rents up,” but Smart Property Investment’s Phil Tarrant believes that it is important to consider all other aspects that might affect the growth of his assets.

Changes such as these rate hikes are always good opportunities to have a discussion with a reliable financial team, according to him.

“Like most things in life, I concentrate on things that I can control and I don't really concern myself too much with the stuff that I can't control. I can't control what lenders are going to do with interest rates—what they say goes and I've got to work within that,” Phil said.

I do have certain mechanisms… to influence my mortgage. I can look to refinance it if I'm not happy with it. I can try to find cheaper rates somewhere else… or I could just suck it up and go, ‘All right, at the moment, my money's going to cost me this to lend, to borrow, and I'll just pay that out.

“Am I moving as my interest rates go up? Am I looking to increase my rentals? Sure, of course I am. I'll do that whenever I possibly can. But that’s really a dialogue with my property manager to say: ‘What's the appetite at the moment for renting in this particular area? Can I still get my rent without losing my tenants?’”

According to Phil, it comes down to working with numbers that he is most comfortable with, as well as having multiple buffers for the worst-case scenarios. His advice for fellow property investors is to stay within your comfort zone when it comes to “money matters”.

Phil explained: “When I look at my ability to pay my mortgages… [I ask myself], what can I spend if rates go up to this particular amount, and [if] am I going to be able to sleep at night and make sure I'm not going to be worried about money? That's my benchmark for everything. I don't want to be sitting there worrying about paying my mortgage. I want to know that I can do it comfortably.”

"When I look at purchasing property for investment, I look at what is my capacity to lend if rates go up...? I'll use the word a ‘contingency’ — rates are going to go up, rates are going to go down. As an investor, you need to be comfortable that should rates go up one per cent, two per cent, you're still going to be able to put food on the table,” he concluded.

Tune in to Ross Le Quesne’s episode in The Smart Property Investment Show to know more about property rate hikes, hotspots, and other factors that can ultimately affect an investor’s business of creating wealth through property.

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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
Brisbane
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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Sans Souci
Strathfield

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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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