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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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

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:

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AREAS MENTIONED:

Castle Hill
Point Cook
Elizabeth East
Huntfield Heights
Mt Warren Park
Albury
Cambridge Park
Penrith
Braemar
Morayfield
Melbourne
Mill Park
Edens Landing

 

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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

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:

Why is Australian property so unaffordable?
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Australia desirable to foreign investors

AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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