Finance advice

3 award-winning tips on property investment finance

By Bianca Dabu
Ross Le Quesne

Ross Le Quesne started his mortgage broker business in 2004 and has since earned the trust of many accomplished professionals and investors in the property investment landscape, leading him to win several recognitions in Australia.

After engaging with different types of clients for more than a decade, Ross has learned how to help almost everyone navigate their way through their journeys—whether they’re facing bumps on the road or staying on track towards success.

He shares three of the most important property investment finance tips he gives out and personally follows:

1. There’s always somewhere to invest

Ross wants his clients to remember that they will never run out of opportunities to create wealth through property.

“From a general market sense, [my advice would be] there's always somewhere to invest... Phil and I are currently buying properties in the market looking in the Brisbane market—there's always opportunities,” he said. “There's markets within markets around the country, so don't focus on where you live or feel that you have to be able to drive past the property.”

2. Look after your cash flow

According to Ross, cash flow is the most important thing in property investment, so it is vital that property investors learn about risk management and set up buffers for all possible negative scenarios.

He explained: “Rental yields and your ability to make those mortgage payments is very important. Set up buffers like $50,000 sitting in an offset account, something that's going to help you sleep well at night.”

“Don't sail too close to the wind in terms of your serviceability. Don't go out and buy three or four off-the-plan properties because you don't know what that's going to mean down the track… Have those buffers in place so you've got that protection should something else happen,” he added.

3. Be on the lookout for “cheap properties”

Property investors should learn to be “opportunist[ic]” when buying properties—find any opportunity you can to have a competitive advantage in terms of acquiring properties under market value.

“Look to buy… those under market properties… because in times of trouble you could always sell it and get out of that market,” Ross said.

Phil advised his fellow property investors to make use of the knowledge and expertise of their financial teams to determine a good property deal.

He said: “I'm always out in there in the marketplace using the people I know… and I'll go and find those opportunities and find people who are in distress and that's typically where I'll try and buy a property… If I can locate and identify a property that someone needs to shift really quickly before it hits the market, I'm going to grab that really really fast.”

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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FROM THE WEB

podcast

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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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