subscribe to our newsletter
Home/
Finance/
Would renting out your home help you to grow an investment portfolio?
Finance advice
Curtis Stewart

Would renting out your home help you to grow an investment portfolio?

By Curtis Stewart
0

Curtis Stewart explores how deciding to rent out your current house may impact your servicing position and how lender calculators apply different buffers, changing your borrowing capacity.

If you include your own home as part of your ‘investment portfolio’, your overall portfolio size will be similar whether you’re renting or owning. This is because rental expense adds no asset value, while owning your own home does.

To demonstrate this, imagine if Geoff and Sandra own their principal place of residence (PPOR) worth $1 million with an $800,000 loan, would their overall borrowing power increase by renting the apartment next door for $650 p/w and turning their place into an investment which rents for $650 p/w?

Running the numbers, Geoff and Sandra won’t experience any material rise in their borrowing power from doing this. With some lender calculators, they will receive a benefit, but with most, the impact will be negligible/negative. This is because of the way lenders assess the combination of rental expense, rental income, and mortgage debt for servicing. Considering the following:

  • Their new rental expense will be included at 100 per cent, so a $650 p/w rental expense is taken at $650 for servicing.
  • Their new rental income will be included at only 80 per cent, so $650 p/w rental income is haircut down to $520 for servicing.
  • The $800,000 debt turns into investment debt. Banks will apply the same buffers for this mortgage as if it were for a PPOR - ‘expensed’ at 7.25 per cent P&I repayments over 25 years (5 year I/O period). However, this debt with now be considered in their negative gearing calculation as it is now investment debt.

The combination of these factors produces a range of different results depending on exactly how the servicing calculator of each bank works.

Generally speaking though, the servicing benefit of the loan into investment debt is not enough to make up for the difference between their rental expense of $650 and their haircut rental income taken at $520.

This is why with most servicing calculators, there will be negligible servicing benefits to switching your existing PPOR to an investment property.

NEWSLETTER
Be the first to hear the latest property investment insights
 

About the Blogger

Curtis Stewart

Curtis Stewart

Curtis Stewart is a director at Confidence Finance, a mortgaging broking firm specialising in working with investors.

More from this writer

0 Comments

advice

Tax and legal advice
Victoria’s ‘Rent Fair’ reforms pass Victorian Parliament
Tax and legal advice
Vic rental reforms ‘unfair, unworkable and impractical’: REIV
Tax and legal advice
Real estate agency fined $7k after $220k theft from trust account
Tax and legal advice
Who cares who the Prime Minister is if you have cash flow!
FROM THE WEB
Recommended by Spike Native Network

trending

5 ways investors could be saving millions in tax dollars
Tax and legal advice
5 ways investors could be saving millions in tax dollars
Mortgage discount
Finance advice
Tips for negotiating a discount on a mortgage
Cam McLellan
Finance advice
How to consolidate your debt as a property investor
Blackburne Marina
Finance advice
It’s all in the planning when it comes to getting off-the-plan finance

podcast

object(stdClass)#1748 (52) {
  ["id"]=>
  string(5) "18574"
  ["title"]=>
  string(70) "Using public records to find property bargains well under market value"
  ["alias"]=>
  string(70) "using-public-records-to-find-property-bargains-well-under-market-value"
  ["introtext"]=>
  string(200) "
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.

"
  ["fulltext"]=>
  string(2360) "

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: Facebook, Twitter 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’
"
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "45"
  ["created"]=>
  string(19) "2018-09-20 06:08:54"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-09-20 06:38:18"
  ["modified_by"]=>
  string(4) "1644"
  ["modified_by_name"]=>
  string(18) "Jerome Delossantos"
  ["publish_up"]=>
  string(19) "2018-09-20 06:14:00"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(229) "{"image_intro":"images\/podcasts\/Dominique-Grubisa.jpg","float_intro":"","image_intro_alt":"Dominique Grubisa","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
  ["urls"]=>
  string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
  ["attribs"]=>
  string(1002) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"","clientDesc1":"","clientImage1":"","clientUrl1":"","clientName2":"","clientDesc2":"","clientImage2":"","clientUrl2":"","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
  ["metadata"]=>
  string(53) "{"robots":"","author":"","rights":"","xreference":""}"
  ["metakey"]=>
  string(49) "public, records, find, property, bargains, market"
  ["metadesc"]=>
  string(200) "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.   Domin"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(2) "14"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(4) "2360"
  ["ordering"]=>
  string(1) "0"
  ["category_title"]=>
  string(25) "Smart Property Investment"
  ["category_route"]=>
  string(25) "smart-property-investment"
  ["category_access"]=>
  string(1) "1"
  ["category_alias"]=>
  string(25) "smart-property-investment"
  ["published"]=>
  string(1) "1"
  ["parents_published"]=>
  string(1) "1"
  ["lft"]=>
  string(2) "47"
  ["author"]=>
  string(12) "Todd Stevens"
  ["author_email"]=>
  string(33) "[email protected]"
  ["parent_title"]=>
  string(4) "ROOT"
  ["parent_id"]=>
  string(1) "1"
  ["parent_route"]=>
  string(0) ""
  ["parent_alias"]=>
  string(4) "root"
  ["rating"]=>
  string(1) "0"
  ["rating_count"]=>
  string(1) "0"
  ["alternative_readmore"]=>
  NULL
  ["layout"]=>
  NULL
  ["params"]=>
  object(Joomla\Registry\Registry)#1724 (3) {
    ["data":protected]=>
    object(stdClass)#1721 (96) {
      ["article_layout"]=>
      string(14) "spbase:article"
      ["show_title"]=>
      string(1) "1"
      ["link_titles"]=>
      string(1) "1"
      ["show_intro"]=>
      string(1) "1"
      ["info_block_position"]=>
      string(1) "0"
      ["info_block_show_title"]=>
      string(1) "1"
      ["show_category"]=>
      string(1) "1"
      ["link_category"]=>
      string(1) "0"
      ["show_parent_category"]=>
      string(1) "0"
      ["link_parent_category"]=>
      string(1) "0"
      ["show_associations"]=>
      string(1) "0"
      ["flags"]=>
      string(1) "1"
      ["show_author"]=>
      string(1) "1"
      ["link_author"]=>
      string(1) "0"
      ["show_create_date"]=>
      string(1) "1"
      ["show_modify_date"]=>
      string(1) "1"
      ["show_publish_date"]=>
      string(1) "1"
      ["show_item_navigation"]=>
      string(1) "0"
      ["show_vote"]=>
      string(1) "0"
      ["show_readmore"]=>
      string(1) "1"
      ["show_readmore_title"]=>
      string(1) "0"
      ["readmore_limit"]=>
      string(3) "100"
      ["show_tags"]=>
      string(1) "1"
      ["show_icons"]=>
      string(1) "0"
      ["show_print_icon"]=>
      string(1) "0"
      ["show_email_icon"]=>
      string(1) "1"
      ["show_hits"]=>
      string(1) "0"
      ["show_noauth"]=>
      string(1) "0"
      ["urls_position"]=>
      string(1) "0"
      ["captcha"]=>
      string(0) ""
      ["show_publishing_options"]=>
      string(1) "1"
      ["show_article_options"]=>
      string(1) "1"
      ["save_history"]=>
      string(1) "0"
      ["history_limit"]=>
      int(10)
      ["show_urls_images_frontend"]=>
      string(1) "0"
      ["show_urls_images_backend"]=>
      string(1) "1"
      ["targeta"]=>
      int(0)
      ["targetb"]=>
      int(0)
      ["targetc"]=>
      int(0)
      ["float_intro"]=>
      string(5) "right"
      ["float_fulltext"]=>
      string(5) "right"
      ["category_layout"]=>
      string(6) "_:blog"
      ["show_category_heading_title_text"]=>
      string(1) "0"
      ["show_category_title"]=>
      string(1) "1"
      ["show_description"]=>
      string(1) "0"
      ["show_description_image"]=>
      string(1) "0"
      ["maxLevel"]=>
      string(1) "0"
      ["show_empty_categories"]=>
      string(1) "0"
      ["show_no_articles"]=>
      string(1) "1"
      ["show_subcat_desc"]=>
      string(1) "0"
      ["show_cat_num_articles"]=>
      string(1) "0"
      ["show_cat_tags"]=>
      string(1) "0"
      ["show_base_description"]=>
      string(1) "1"
      ["maxLevelcat"]=>
      string(2) "-1"
      ["show_empty_categories_cat"]=>
      string(1) "0"
      ["show_subcat_desc_cat"]=>
      string(1) "1"
      ["show_cat_num_articles_cat"]=>
      string(1) "1"
      ["num_leading_articles"]=>
      string(2) "15"
      ["num_intro_articles"]=>
      string(1) "0"
      ["num_columns"]=>
      string(1) "0"
      ["num_links"]=>
      string(1) "0"
      ["multi_column_order"]=>
      string(1) "0"
      ["show_subcategory_content"]=>
      string(1) "0"
      ["show_pagination_limit"]=>
      string(1) "1"
      ["filter_field"]=>
      string(4) "hide"
      ["show_headings"]=>
      string(1) "1"
      ["list_show_date"]=>
      string(1) "0"
      ["date_format"]=>
      string(0) ""
      ["list_show_hits"]=>
      string(1) "0"
      ["list_show_author"]=>
      string(1) "0"
      ["list_show_votes"]=>
      string(1) "0"
      ["list_show_ratings"]=>
      string(1) "0"
      ["orderby_pri"]=>
      string(4) "none"
      ["orderby_sec"]=>
      string(5) "rdate"
      ["order_date"]=>
      string(9) "published"
      ["show_pagination"]=>
      string(1) "2"
      ["show_pagination_results"]=>
      string(1) "1"
      ["show_featured"]=>
      string(4) "show"
      ["show_feed_link"]=>
      string(1) "1"
      ["feed_summary"]=>
      string(1) "0"
      ["feed_show_readmore"]=>
      string(1) "0"
      ["sef_advanced"]=>
      int(0)
      ["sef_ids"]=>
      int(0)
      ["custom_fields_enable"]=>
      string(1) "1"
      ["show_page_heading"]=>
      string(1) "0"
      ["layout_type"]=>
      string(4) "blog"
      ["page_subheading"]=>
      string(2848) "


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.






"
      ["menu_text"]=>
      int(1)
      ["menu_show"]=>
      int(1)
      ["page_title"]=>
      string(53) "Finance Tips and Insights - Smart Property Investment"
      ["menu-meta_description"]=>
      string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit."
      ["secure"]=>
      int(0)
      ["page_description"]=>
      string(11) "sample desc"
      ["page_rights"]=>
      NULL
      ["robots"]=>
      NULL
      ["access-view"]=>
      bool(true)
    }
    ["initialized":protected]=>
    bool(true)
    ["separator"]=>
    string(1) "."
  }
  ["displayDate"]=>
  string(19) "2018-09-20 06:08:54"
  ["slug"]=>
  string(76) "18574:using-public-records-to-find-property-bargains-well-under-market-value"
  ["catslug"]=>
  string(28) "45:smart-property-investment"
  ["link"]=>
  string(96) "/investor-stories-1/18574-using-public-records-to-find-property-bargains-well-under-market-value"
}
Using public records to find property bargains well under market value 
object(stdClass)#1734 (52) {
  ["id"]=>
  string(5) "18568"
  ["title"]=>
  string(74) "Creating equity in a falling market and a long-term view of what to expect"
  ["alias"]=>
  string(74) "creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect"
  ["introtext"]=>
  string(255) "
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!

"
  ["fulltext"]=>
  string(830) "

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!
"
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "82"
  ["created"]=>
  string(19) "2018-09-19 06:00:15"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-09-19 23:02:36"
  ["modified_by"]=>
  string(4) "1689"
  ["modified_by_name"]=>
  string(12) "Todd Stevens"
  ["publish_up"]=>
  string(19) "2018-09-19 06:12:00"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(195) "{"image_intro":"images\/2018-05-28.jpg","float_intro":"","image_intro_alt":"","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
  ["urls"]=>
  string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
  ["attribs"]=>
  string(2930) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"Caifu Property","clientDesc1":"
Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n
In this episode of Property Showcase, Drew Evans joins\u00a0editor of Real Estate, Tim Neary, to discuss the softening of traditionally strong markets and why he believes that investors should still see opportunities to create equity.<\/p>\r\n
In this episode, hear from\u00a0Drew about:<\/p>\r\n
    \r\n
  • The keys to creating equity in a falling market<\/li>\r\n
  • The benefit of building rather than buying existing property<\/li>\r\n
  • Their automatic equity program and how you can be involved in it<\/li>\r\n<\/ul>","clientImage1":"images\/Property_Showcase\/DREWEVANS170x170.jpg","clientUrl1":"https:\/\/www.caifuproperty.com.au\/","clientName2":"Open Corp","clientDesc2":"
    Whether it\u2019s building a successful property portfolio or investing in one of their Development Funds, Open Corp can help you through every stage of your investment journey. The team has 40 property specialists who collectively have been involved in over $4 billion worth of property transactions and the acquisition of more than 8000 homes and investment properties.<\/p>\r\n
    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
    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n
      \r\n
    • Why property is a long-term investment<\/li>\r\n
    • His predictions for the market going forward<\/li>\r\n
    • How to get a free copy of their ultimate guide to real estate<\/li>\r\n<\/ul>","clientImage2":"images\/Property_Showcase\/Michael-Beresford-170x170.jpg","clientUrl2":"https:\/\/www.opencorp.com.au\/","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
  ["metadata"]=>
  string(53) "{"robots":"","author":"","rights":"","xreference":""}"
  ["metakey"]=>
  string(59) "creating, equity, falling, market, long, term, view, expect"
  ["metadesc"]=>
  string(200) "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"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(2) "37"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(3) "830"
  ["ordering"]=>
  string(1) "0"
  ["category_title"]=>
  string(17) "Property Showcase"
  ["category_route"]=>
  string(25) "podcast/property-showcase"
  ["category_access"]=>
  string(1) "1"
  ["category_alias"]=>
  string(17) "property-showcase"
  ["published"]=>
  string(1) "1"
  ["parents_published"]=>
  string(1) "1"
  ["lft"]=>
  string(2) "98"
  ["author"]=>
  string(12) "Todd Stevens"
  ["author_email"]=>
  string(33) "[email protected]"
  ["parent_title"]=>
  string(7) "Podcast"
  ["parent_id"]=>
  string(2) "48"
  ["parent_route"]=>
  string(7) "podcast"
  ["parent_alias"]=>
  string(7) "podcast"
  ["rating"]=>
  string(1) "0"
  ["rating_count"]=>
  string(1) "0"
  ["alternative_readmore"]=>
  NULL
  ["layout"]=>
  NULL
  ["params"]=>
  object(Joomla\Registry\Registry)#1719 (3) {
    ["data":protected]=>
    object(stdClass)#1737 (96) {
      ["article_layout"]=>
      string(14) "spbase:article"
      ["show_title"]=>
      string(1) "1"
      ["link_titles"]=>
      string(1) "1"
      ["show_intro"]=>
      string(1) "1"
      ["info_block_position"]=>
      string(1) "0"
      ["info_block_show_title"]=>
      string(1) "1"
      ["show_category"]=>
      string(1) "1"
      ["link_category"]=>
      string(1) "0"
      ["show_parent_category"]=>
      string(1) "0"
      ["link_parent_category"]=>
      string(1) "0"
      ["show_associations"]=>
      string(1) "0"
      ["flags"]=>
      string(1) "1"
      ["show_author"]=>
      string(1) "1"
      ["link_author"]=>
      string(1) "0"
      ["show_create_date"]=>
      string(1) "1"
      ["show_modify_date"]=>
      string(1) "1"
      ["show_publish_date"]=>
      string(1) "1"
      ["show_item_navigation"]=>
      string(1) "0"
      ["show_vote"]=>
      string(1) "0"
      ["show_readmore"]=>
      string(1) "1"
      ["show_readmore_title"]=>
      string(1) "0"
      ["readmore_limit"]=>
      string(3) "100"
      ["show_tags"]=>
      string(1) "1"
      ["show_icons"]=>
      string(1) "0"
      ["show_print_icon"]=>
      string(1) "0"
      ["show_email_icon"]=>
      string(1) "1"
      ["show_hits"]=>
      string(1) "0"
      ["show_noauth"]=>
      string(1) "0"
      ["urls_position"]=>
      string(1) "0"
      ["captcha"]=>
      string(0) ""
      ["show_publishing_options"]=>
      string(1) "1"
      ["show_article_options"]=>
      string(1) "1"
      ["save_history"]=>
      string(1) "0"
      ["history_limit"]=>
      int(10)
      ["show_urls_images_frontend"]=>
      string(1) "0"
      ["show_urls_images_backend"]=>
      string(1) "1"
      ["targeta"]=>
      int(0)
      ["targetb"]=>
      int(0)
      ["targetc"]=>
      int(0)
      ["float_intro"]=>
      string(5) "right"
      ["float_fulltext"]=>
      string(5) "right"
      ["category_layout"]=>
      string(6) "_:blog"
      ["show_category_heading_title_text"]=>
      string(1) "0"
      ["show_category_title"]=>
      string(1) "1"
      ["show_description"]=>
      string(1) "0"
      ["show_description_image"]=>
      string(1) "0"
      ["maxLevel"]=>
      string(1) "0"
      ["show_empty_categories"]=>
      string(1) "0"
      ["show_no_articles"]=>
      string(1) "1"
      ["show_subcat_desc"]=>
      string(1) "0"
      ["show_cat_num_articles"]=>
      string(1) "0"
      ["show_cat_tags"]=>
      string(1) "0"
      ["show_base_description"]=>
      string(1) "1"
      ["maxLevelcat"]=>
      string(2) "-1"
      ["show_empty_categories_cat"]=>
      string(1) "0"
      ["show_subcat_desc_cat"]=>
      string(1) "1"
      ["show_cat_num_articles_cat"]=>
      string(1) "1"
      ["num_leading_articles"]=>
      string(2) "15"
      ["num_intro_articles"]=>
      string(1) "0"
      ["num_columns"]=>
      string(1) "0"
      ["num_links"]=>
      string(1) "0"
      ["multi_column_order"]=>
      string(1) "0"
      ["show_subcategory_content"]=>
      string(1) "0"
      ["show_pagination_limit"]=>
      string(1) "1"
      ["filter_field"]=>
      string(4) "hide"
      ["show_headings"]=>
      string(1) "1"
      ["list_show_date"]=>
      string(1) "0"
      ["date_format"]=>
      string(0) ""
      ["list_show_hits"]=>
      string(1) "0"
      ["list_show_author"]=>
      string(1) "0"
      ["list_show_votes"]=>
      string(1) "0"
      ["list_show_ratings"]=>
      string(1) "0"
      ["orderby_pri"]=>
      string(4) "none"
      ["orderby_sec"]=>
      string(5) "rdate"
      ["order_date"]=>
      string(9) "published"
      ["show_pagination"]=>
      string(1) "2"
      ["show_pagination_results"]=>
      string(1) "1"
      ["show_featured"]=>
      string(4) "show"
      ["show_feed_link"]=>
      string(1) "1"
      ["feed_summary"]=>
      string(1) "0"
      ["feed_show_readmore"]=>
      string(1) "0"
      ["sef_advanced"]=>
      int(0)
      ["sef_ids"]=>
      int(0)
      ["custom_fields_enable"]=>
      string(1) "1"
      ["show_page_heading"]=>
      string(1) "0"
      ["layout_type"]=>
      string(4) "blog"
      ["page_subheading"]=>
      string(2848) "
      

      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.
      


      

      
"
      ["menu_text"]=>
      int(1)
      ["menu_show"]=>
      int(1)
      ["page_title"]=>
      string(53) "Finance Tips and Insights - Smart Property Investment"
      ["menu-meta_description"]=>
      string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit."
      ["secure"]=>
      int(0)
      ["page_description"]=>
      string(11) "sample desc"
      ["page_rights"]=>
      NULL
      ["robots"]=>
      NULL
      ["access-view"]=>
      bool(true)
    }
    ["initialized":protected]=>
    bool(true)
    ["separator"]=>
    string(1) "."
  }
  ["displayDate"]=>
  string(19) "2018-09-19 06:00:15"
  ["slug"]=>
  string(80) "18568:creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect"
  ["catslug"]=>
  string(20) "82:property-showcase"
  ["link"]=>
  string(108) "/podcasts/property-showcase/18568-creating-equity-in-a-falling-market-and-a-long-term-view-of-what-to-expect"
}
Creating equity in a falling market and a long-term view of what to expect 
object(stdClass)#1722 (52) {
  ["id"]=>
  string(5) "18556"
  ["title"]=>
  string(63) "Getting finance approved in this tightening lending environment"
  ["alias"]=>
  string(63) "getting-finance-approved-in-this-tightening-lending-environment"
  ["introtext"]=>
  string(2794) "
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: Facebook, Twitter 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


 
"
  ["fulltext"]=>
  string(0) ""
  ["checked_out"]=>
  string(1) "0"
  ["checked_out_time"]=>
  string(19) "0000-00-00 00:00:00"
  ["catid"]=>
  string(2) "45"
  ["created"]=>
  string(19) "2018-09-17 06:16:11"
  ["created_by"]=>
  string(4) "1689"
  ["created_by_alias"]=>
  string(0) ""
  ["state"]=>
  string(1) "1"
  ["modified"]=>
  string(19) "2018-09-20 06:13:49"
  ["modified_by"]=>
  string(4) "1689"
  ["modified_by_name"]=>
  string(12) "Todd Stevens"
  ["publish_up"]=>
  string(19) "2018-09-17 06:20:55"
  ["publish_down"]=>
  string(19) "0000-00-00 00:00:00"
  ["images"]=>
  string(225) "{"image_intro":"images\/podcasts\/John-Manciameli.jpg","float_intro":"","image_intro_alt":"John Manciameli","image_intro_caption":"","image_fulltext":"","float_fulltext":"","image_fulltext_alt":"","image_fulltext_caption":""}"
  ["urls"]=>
  string(121) "{"urla":false,"urlatext":"","targeta":"","urlb":false,"urlbtext":"","targetb":"","urlc":false,"urlctext":"","targetc":""}"
  ["attribs"]=>
  string(1002) "{"article_layout":"","show_title":"","link_titles":"","show_tags":"","show_intro":"","info_block_position":"","info_block_show_title":"","show_category":"","link_category":"","show_parent_category":"","link_parent_category":"","show_associations":"","show_author":"","link_author":"","show_create_date":"","show_modify_date":"","show_publish_date":"","show_item_navigation":"","show_icons":"","show_print_icon":"","show_email_icon":"","show_vote":"","show_hits":"","show_noauth":"","urls_position":"","alternative_readmore":"","article_page_title":"","show_publishing_options":"","show_article_options":"","show_urls_images_backend":"","show_urls_images_frontend":"","canonical_link":"","transcript":"","clientName1":"","clientDesc1":"","clientImage1":"","clientUrl1":"","clientName2":"","clientDesc2":"","clientImage2":"","clientUrl2":"","clientName3":"","clientDesc3":"","clientImage3":"","clientUrl3":"","clientName4":"","clientDesc4":"","clientImage4":"","clientUrl4":"","author_promotion_line":""}"
  ["metadata"]=>
  string(53) "{"robots":"","author":"","rights":"","xreference":""}"
  ["metakey"]=>
  string(51) "finance, approved, tightening, lending, environment"
  ["metadesc"]=>
  string(200) "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"
  ["access"]=>
  string(1) "1"
  ["hits"]=>
  string(2) "59"
  ["xreference"]=>
  string(0) ""
  ["featured"]=>
  string(1) "0"
  ["language"]=>
  string(1) "*"
  ["readmore"]=>
  string(1) "0"
  ["ordering"]=>
  string(1) "1"
  ["category_title"]=>
  string(25) "Smart Property Investment"
  ["category_route"]=>
  string(25) "smart-property-investment"
  ["category_access"]=>
  string(1) "1"
  ["category_alias"]=>
  string(25) "smart-property-investment"
  ["published"]=>
  string(1) "1"
  ["parents_published"]=>
  string(1) "1"
  ["lft"]=>
  string(2) "47"
  ["author"]=>
  string(12) "Todd Stevens"
  ["author_email"]=>
  string(33) "[email protected]"
  ["parent_title"]=>
  string(4) "ROOT"
  ["parent_id"]=>
  string(1) "1"
  ["parent_route"]=>
  string(0) ""
  ["parent_alias"]=>
  string(4) "root"
  ["rating"]=>
  string(1) "0"
  ["rating_count"]=>
  string(1) "0"
  ["alternative_readmore"]=>
  NULL
  ["layout"]=>
  NULL
  ["params"]=>
  object(Joomla\Registry\Registry)#1723 (3) {
    ["data":protected]=>
    object(stdClass)#1758 (96) {
      ["article_layout"]=>
      string(14) "spbase:article"
      ["show_title"]=>
      string(1) "1"
      ["link_titles"]=>
      string(1) "1"
      ["show_intro"]=>
      string(1) "1"
      ["info_block_position"]=>
      string(1) "0"
      ["info_block_show_title"]=>
      string(1) "1"
      ["show_category"]=>
      string(1) "1"
      ["link_category"]=>
      string(1) "0"
      ["show_parent_category"]=>
      string(1) "0"
      ["link_parent_category"]=>
      string(1) "0"
      ["show_associations"]=>
      string(1) "0"
      ["flags"]=>
      string(1) "1"
      ["show_author"]=>
      string(1) "1"
      ["link_author"]=>
      string(1) "0"
      ["show_create_date"]=>
      string(1) "1"
      ["show_modify_date"]=>
      string(1) "1"
      ["show_publish_date"]=>
      string(1) "1"
      ["show_item_navigation"]=>
      string(1) "0"
      ["show_vote"]=>
      string(1) "0"
      ["show_readmore"]=>
      string(1) "1"
      ["show_readmore_title"]=>
      string(1) "0"
      ["readmore_limit"]=>
      string(3) "100"
      ["show_tags"]=>
      string(1) "1"
      ["show_icons"]=>
      string(1) "0"
      ["show_print_icon"]=>
      string(1) "0"
      ["show_email_icon"]=>
      string(1) "1"
      ["show_hits"]=>
      string(1) "0"
      ["show_noauth"]=>
      string(1) "0"
      ["urls_position"]=>
      string(1) "0"
      ["captcha"]=>
      string(0) ""
      ["show_publishing_options"]=>
      string(1) "1"
      ["show_article_options"]=>
      string(1) "1"
      ["save_history"]=>
      string(1) "0"
      ["history_limit"]=>
      int(10)
      ["show_urls_images_frontend"]=>
      string(1) "0"
      ["show_urls_images_backend"]=>
      string(1) "1"
      ["targeta"]=>
      int(0)
      ["targetb"]=>
      int(0)
      ["targetc"]=>
      int(0)
      ["float_intro"]=>
      string(5) "right"
      ["float_fulltext"]=>
      string(5) "right"
      ["category_layout"]=>
      string(6) "_:blog"
      ["show_category_heading_title_text"]=>
      string(1) "0"
      ["show_category_title"]=>
      string(1) "1"
      ["show_description"]=>
      string(1) "0"
      ["show_description_image"]=>
      string(1) "0"
      ["maxLevel"]=>
      string(1) "0"
      ["show_empty_categories"]=>
      string(1) "0"
      ["show_no_articles"]=>
      string(1) "1"
      ["show_subcat_desc"]=>
      string(1) "0"
      ["show_cat_num_articles"]=>
      string(1) "0"
      ["show_cat_tags"]=>
      string(1) "0"
      ["show_base_description"]=>
      string(1) "1"
      ["maxLevelcat"]=>
      string(2) "-1"
      ["show_empty_categories_cat"]=>
      string(1) "0"
      ["show_subcat_desc_cat"]=>
      string(1) "1"
      ["show_cat_num_articles_cat"]=>
      string(1) "1"
      ["num_leading_articles"]=>
      string(2) "15"
      ["num_intro_articles"]=>
      string(1) "0"
      ["num_columns"]=>
      string(1) "0"
      ["num_links"]=>
      string(1) "0"
      ["multi_column_order"]=>
      string(1) "0"
      ["show_subcategory_content"]=>
      string(1) "0"
      ["show_pagination_limit"]=>
      string(1) "1"
      ["filter_field"]=>
      string(4) "hide"
      ["show_headings"]=>
      string(1) "1"
      ["list_show_date"]=>
      string(1) "0"
      ["date_format"]=>
      string(0) ""
      ["list_show_hits"]=>
      string(1) "0"
      ["list_show_author"]=>
      string(1) "0"
      ["list_show_votes"]=>
      string(1) "0"
      ["list_show_ratings"]=>
      string(1) "0"
      ["orderby_pri"]=>
      string(4) "none"
      ["orderby_sec"]=>
      string(5) "rdate"
      ["order_date"]=>
      string(9) "published"
      ["show_pagination"]=>
      string(1) "2"
      ["show_pagination_results"]=>
      string(1) "1"
      ["show_featured"]=>
      string(4) "show"
      ["show_feed_link"]=>
      string(1) "1"
      ["feed_summary"]=>
      string(1) "0"
      ["feed_show_readmore"]=>
      string(1) "0"
      ["sef_advanced"]=>
      int(0)
      ["sef_ids"]=>
      int(0)
      ["custom_fields_enable"]=>
      string(1) "1"
      ["show_page_heading"]=>
      string(1) "0"
      ["layout_type"]=>
      string(4) "blog"
      ["page_subheading"]=>
      string(2848) "


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.






"
      ["menu_text"]=>
      int(1)
      ["menu_show"]=>
      int(1)
      ["page_title"]=>
      string(53) "Finance Tips and Insights - Smart Property Investment"
      ["menu-meta_description"]=>
      string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit."
      ["secure"]=>
      int(0)
      ["page_description"]=>
      string(11) "sample desc"
      ["page_rights"]=>
      NULL
      ["robots"]=>
      NULL
      ["access-view"]=>
      bool(true)
    }
    ["initialized":protected]=>
    bool(true)
    ["separator"]=>
    string(1) "."
  }
  ["displayDate"]=>
  string(19) "2018-09-17 06:16:11"
  ["slug"]=>
  string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment"
  ["catslug"]=>
  string(28) "45:smart-property-investment"
  ["link"]=>
  string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment"
}
Getting finance approved in this tightening lending environment

mortgage calculators

LOAN REPAYMENT calculator
extra REPAYMENT calculator
lump sum calculator
split loan calculator
principal & interest calculator
borrowing power calculator
stamp duty calculator
loan comparison calculator
Capital Gains Tax Calculator

Top Suburbs

Highest annual price growth - click a suburb below to view full profile data:
1.
CABARITA 43.12%
2.
LAKE CATHIE 38.98%
3.
MOUNT ANNAN 38.49%
4.
BROOKVALE 38.17%
5.
BOWRAL 38.14%

latest news

Dominique Grubisa
Smart Property Investment
Using public records to find property bargains well under market value
brokers, lenders, cheat sheet, accountant
Finance advice
A cheat sheet for what brokers and lenders love and hate to see
Would renting out your home help you to grow an investment portfolio?
SPI logo
ADVERTISEMENT

Latest Hotspots

Sydney, Australia, spring trends
Research
Early spring trends see boost in Sydney sea and green change areas
hotspots, capital city, capital growth, property investment
Research
15 capital city hotspots primed for capital growth past 2018

mortgage calculators

LOAN REPAYMENT calculator
extra REPAYMENT calculator
lump sum calculator
split loan calculator
principal & interest calculator
borrowing power calculator
stamp duty calculator
loan comparison calculator
Capital Gains Tax Calculator
Property Market News Roundup
Spike Hotlinks
Spike footer

PROMOTED CONTENT

Promoted Content
The Housing Recession: How to Manage Your Risk
Promoted by Confidence Finance.MoneyBRAINS is leading new technology that helps Australians better understand their finances....
Promoted Content
How a New Kitchen Can Add Value to Your Home
Promoted by Kitchen & Stone. The heart and soul of any home is the kitchen. It isn’t just a place where meals are made,...

Latest Comments

The biggest misconception is that...

The 2 biggest lessons in real estate investment

Things are heading the right way at...

Investing in mining towns: Is it worth it now?

Thanks for sharing this Scott. What...

Why Brisbane property is set for great capital growth
object(stdClass)#1514 (31) { ["id"]=> string(4) "2755" ["contentid"]=> string(5) "17916" ["component"]=> string(11) "com_content" ["ip"]=> string(14) "49.180.131.219" ["userid"]=> string(1) "0" ["modified_by"]=> string(4) "1613" ["date"]=> string(10) "1 day ago." ["modified"]=> string(19) "2018-09-19 06:25:42" ["name"]=> string(5) "Kumar" ["email"]=> string(0) "" ["website"]=> string(0) "" ["notify"]=> string(1) "0" ["title"]=> string(0) "" ["comment"]=> string(38) "Thanks for sharing this Scott. What..." ["published"]=> string(1) "1" ["deleted"]=> string(1) "0" ["spam"]=> string(1) "0" ["voting_yes"]=> string(1) "0" ["voting_no"]=> string(1) "0" ["parentid"]=> string(2) "-1" ["importtable"]=> string(0) "" ["importid"]=> string(1) "0" ["importparentid"]=> string(2) "-1" ["unsubscribe_hash"]=> string(32) "9922b2ace5186db3fc734c6c3b9e0c54" ["moderate_hash"]=> string(32) "7bd4a5a3d102e780af5aaca57a8d96ed" ["customfields"]=> string(0) "" ["user_realname"]=> NULL ["user_username"]=> NULL ["user"]=> string(5) "Kumar" ["link"]=> string(56) "/component/comment/?task=comment.gotocomment&id=2755" ["overlayComment"]=> string(103) "Thanks for sharing this Scott. What suburbs you are targeting for the future growth in Brisbane. Thanks" }
OUR SITES

Accountants Daily

Adviser Innovation

Defence Connect

Fintech Business

Independent Financial Adviser

Investor Daily

Lawyers Weekly

Mortgage Business

MyBusiness

Nestegg

Real Estate Business

Risk Adviser

Smart Property Investment

SMSF Adviser

The Adviser

Wellness Daily

Which Investment Property


EVENTS AND SUMMITS

Australian Law Awards

Corporate Counsel Awards

30 Under Thirty

Partner of the Year

Women in Law

Future Forum

Better Business Summit

Australian Broking Awards

New Broker Academy

Bootcamp SME Broker

Australian Accounting Awards

SMSF Summit

ifa Excellence Awards

ifa Convention

Women in Finance Awards

Adviser Innovation Summit

REB Awards

MyBusiness Awards

About

Advertise

Contact Us

CATEGORIES

News
Podcasts

Expert Advice

Best Suburbs

Calculators


Finance

Research
Buying

Renovation

Development

Management

Tax & Legal

Our Portfolio

Copyright ©
·