Finance advice

Should landlords automatically increase rent price when bank rates go up?

By Bianca Dabu
Landlord, increase in rent price

Many property investors automatically consider an increase their rent prices when bank rates go up, but mortgage broker Ross Le Quesne and Smart Property Investment’s Phil Tarrant believe there has to be a more in-depth review process to ensure that one’s investment journey remain successful.

Phil, who is admittedly an avid investor, always try to work with numbers that make him feel most comfortable and secure, financially speaking.

He explained: “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, that you're still going to be able to put food on the table.”

According to Ross, since starting his mortgage broker business in 2004, he often bases rental rates on the current level of supply and demand in a particular property market. Back then, rental yields in Australia went to the same level as they are today.

A few years later, the market flattened out and there are fewer people buying investment—changing the demand for rental properties across the country.

“It's a supply and demand thing. As the demand for rental property increases, then rents are able to go up,” he said.

[Recently], rates have been low, there's been a buying frenzy… we’re seeing more construction than we’ve ever had. There's more rental properties on the market. So it makes sense that rents are increasing at this point in time.

As there becomes less properties on the market, your rents will tend to increase. It's basic economics.

At the end of the day, both Phil and Ross encourage property investors to educate themselves on the state of the markets — from growth cycles to the most basic regulations in place — which are all unique and often ever-changing. 

Having a good discussion with a reliable financial team can help investors identify their current position in their property investment journey and consequently build strategies that will lead them towards the ultimate achievement of the goals.

Ross said: “[Have] a chat [wity] your property manager and [take time] seeing what's on the market. If, for example, a 200-unit complex has just come on the market and purchased predominantly by investors, there's 200 units that you’re competing against that your property is. It's really a market-by-market specific thing.”

For those managing their own properties, do a simple market check by utilizing resources available online.

"Every time you get your rates notice, use that as a cue to jump on realestate.com.au and just have a look at what the market rent is. Compare similar properties to yours and see what level they're being rented at. And that will give you a good guide if you're managing your own property to see where the market's sitting at that point in time," the mortgage broker 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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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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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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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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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Getting finance approved in this tightening lending environment

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