Finance advice

What keeps investors up at night and which professionals do they turn to?

By Sasha Karen
Magnifying glass, investors, investing, property investment, in-demand experts in investing

The results of an investor survey have shown the things that worry investors the most, along with the most in-demand experts investors are seeking.

The third annual Property Investment Professionals of Australia (PIPA) Property Investor Sentiment Survey has provided an insight into what investors are currently doing in the property market, and how they are thinking about the future of investing.

The experts investors are turning to

Mortgage brokers are, by far, the most popular professionals investors go to, with 84.49 per cent of investors using their services.

Next most popular are accountants at 76.73 per cent, then lawyers and conveyancers at 69.93 per cent, property managers at 62.99 per cent, buyer’s agents and advocates at 41.5 per cent, property investment advisers at 39.59 per cent, financial planners at 35.92 per cent, property marketers and sellers at 13.88 per cent and property investment coaches at 13.47 per cent. A small minority at 3.54 per cent said they have not sought out any advice at all.

There is a surge in mortgage broker interest, with 73 per cent of investors using a mortgage broker to get their most recent loan, up from 65 per cent two years ago, and 83 per cent plan to use a mortgage broker to secure finance for their next loan, up from 71 per cent.

PIPA chair Ben Kingsley said the survey shows that more “sophisticated” investors are utilising these professionals in order to develop their portfolios.

“The restrictive lending environment for investors across the nation may have removed some of the speculation out of the market, but is also preventing some sophisticated investors from investing in their financial futures as well as adding to the supply of rental properties,” Mr Kingsley said.

“While parts of Sydney's market were saturated with investors for a moment in time, the tougher lending environment has adversely impacted other markets, such as Brisbane and PerthPerth, TAS Perth, WA, where the investment activity was tracking at historical averages or below.

“Our survey results show that rather than be defeated, educated property investors are opting to use professionals to assist them to achieve their goals – regardless of the lending environment.”

Further, 38 per cent said they have no difficulty refinancing, with 28 per cent unsure and 22 per cent having difficulty, and 30 per cent said they have or they will switch to principal and interest loans, but 36 per cent said they do not intend to switch.

There is also a sense of discontent with owner-occupiers, 68 per cent have responded that it is unfair owner-occupiers pay lower interest rates in comparison.

The biggest concerns for investors

Out of nine different concerns, with PIPA asking respondents to rank the concerns from most to least, the issue that has worried investors the most is the further tightening of investor lending, which is ranked as the biggest concern by 32.48 per cent of investors.

Second most concerning is banks raising interest rates on investment properties, followed by a big correction in property prices, then falling rental yields, changes to negative gearing tax laws, long periods of vacancy, changes to CGT exemption laws, oversupply of new property, and being ripped off by a property spruiker coming in as the least among all concerns.

 

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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
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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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    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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