Finance advice

How to maintain good serviceability as a self-employed investor

By Bianca Dabu
good serviceability, self-employed investor, investing, property investment, real estate, loans, budget and financing

Following the implementation of several changes on loan restrictions, self-employed property investors are expected to be hit the hardest in terms of budget and financing.

Jacqui Zielinski has recently transitioned from being a bank employee to running her own digital agency—all while holding an impressive 10-property portfolio worth around $3 million.

According to her, she knew very well that her career choices would impact her serviceability as an investor.

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

However, unlike other property investors, Jacqui isn’t afraid to let her portfolio sit for a while because, after all, it consists of good real estate assets.

The property investor shared: “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.” 

Finding a good accountant

One of the reasons behind her success in balancing her self-employment and her property investment portfolio is her trusted accountant. It could undeniably be quite harder to get financing as a self-employed person, so a lot of people tend to maximise their tax benefits by “mixing” their business and their personal life, according to Smart Property Investment’s Phil Tarrant.

“If you look to show losses in your business by trying to gain tax effectiveness, you can struggle to secure financing as a result of it. You need to show profit … in order for a bank to be comfortable to lend you money,” he explained.

For Jacqui, as complicated as it could get to chase success in both her business and her property investment journey, having a good accountant on board has definitely helped her navigate her way through the different landscapes. Like many successful property investors, she believes that communication is key—it is vital that your accountant understands your plans and the goals you want to achieve.

She said: “It's been years since I've been in a lending role, but the accountant's trying to do the right thing in the sense of saving tax … You [just] need to be showing your income if you want to get finance approved.”

“There are so many things I could potentially claim on it tax-wise, but I'm going to have that conversation with my accountant and say, ‘This is what the overall plan is,’ ” the property investor added.

A final advice to budding property investors: Don’t be afraid to talk about money with professionals you trust.

“[Be] happy and comfortable talking about money … A lot of people get scared talking about money … and it really holds them back,” Phil concluded.

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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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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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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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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