Finance advice

How this self-employed property investor plans to continue her journey amidst new loan restrictions

By Bianca Dabu
property investor, investing, investment journey, property market, rental market, investor plans, budget and financing

Jacqui Zielinski quit her job at the bank last year to start her own digital agency—how has this decision affected her property investment journey?

The government has recently implemented changes in investment and lending regulations and many property investors have already been affected in terms of budget and financing. Having worked in a bank for several years, Jacqui knows that these changes coupled with the fact that she’s self-employed will only make it harder for her to continue in the business of creating wealth through property.

“I know where the banks stand when it comes to [being] self-employed and how you need to be there for at least a couple of years,” she said.

Several years and ten properties later, the property investor is now looking to just let her portfolio “sit for a while”.

Is it the end of her investment journey?

Looking back, the property investor Jacqui found that her goals have changed from when she first started investing at the age of 19.

She explained: “When I first started the [investment] goals, it was all about hitting certain numbers … and dollar figures … [but] now ... my overall goal [is] more around building my business and then being able to contribute more that way.”

“Once I get that to a point where it's just going quite good, then I'll probably look to pick up property again.

“Property will always be an interest of mine, but at the same time ... without finance, you can't do much.”

One of her biggest regrets is failing to get a big line of credit before leaving her job. However, she will always be happy about her decision to follow a career path that she loves instead of letting herself be crushed by the increasing pressure of the corporate world.

According to Jacqui: “The higher I got in my banking career, the more pressure I was under, and the same time, it got harder to balance ... all the admin[istration] and the issues.”

Right now, she carries the same mindset as a property investor—don’t be afraid to rest if everything seems to be too much to handle.

“It's not as glamorous as what it seems, sometimes … For me, I was feeling a bit overwhelmed with having to do so much and … that's probably [a] reason I took the pedal off and said, ‘I'm just going to let it sit for a bit,’ ” she shared.

According to Smart Property Investment’s Phil Tarrant, as long as your portfolio has the right assets, time can pretty much take care of it.

“One of the best things for a property portfolio is time ... if you have the right assets in it … If you've bought well, there's nothing wrong with just sitting on your portfolio and doing nothing,” he said.

The advantage of a strong portfolio

Even if Jacqui is looking to take a break from purchasing properties, she can confidently let her portfolio sit knowing that it’s made up of the right assets. Over the course of her property investment journey, she was able to build a 10-property portfolio worth around $3 million—a feat that took time, education, and a reliable financial team to accomplish.

Prior to the implementation of new loan restrictions, the property investor has already spent a year or two abstaining from any new purchases.

According to her: “There's been a year or so that we didn't do anything and that was our highest growth year because we'd bought at the right time, the right properties … We just were able to sit back and have them grow.”

As a business owner, her goal right now is to spend time managing her new venture well, hoping that, in time, her portfolio will continue to grow on the side once again.

Tune in to Jacqui Zielenski’s episode on The Smart Property Investment Show to know more about the impact of educating yourself, how to find a balance between business work and investment, and the simple but effective ways to improve your current portfolio.

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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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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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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
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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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Launceston
Raceview

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A joint property portfolio before they were even living together

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