Finance advice

Should you sell your investment property?

By Bianca Dabu
Should you sell your investment property?

After spending years building a nine-property portfolio, investor Kevin Sum recently decided to sell off two of his real estate assets. How did he know it was time to sell these properties?

One of the properties he sold was a two-bedroom unit in GranvilleGranville, NSW Granville, QLD, a “vibrant area at the centre of Sydney”, which he bought in 2009. Eight years ago, he paid $258,000 for the property. In 2018, it was sold for $475,000.

According to Kevin: “[I’m pretty happy with it]… I lived in it for a while [until] I started renting it out... in 2010.”

“I was getting... $350 rent from day one… [so], at least, I know that I’m positively geared and I don’t have to worry at night thinking what happens if I lose my job or something bad happens to me,” he added.

The other asset he sold was a “regional rural” house in Orange, which he bought for around $145,000 between 2011 and 2012. The buyers paid $180,000 for it last year.

Even considering the holding costs for five years — mortgage, stamp duty, lender’s mortgage insurance, agent’s fees and more — Kevin believes that he earned a fair amount of money through the sale of the Orange property.

The property investor said: “It [didn’t] really cost me much to actually hold. I was getting 200-odd dollars every week in rent and the good thing was I actually revalued my place and I got equity out.

“Back then, I didn’t have much money, so that enabled me to purchase other properties from that.”

Kevin’s experience in offloading investment properties from his portfolio proved that selling assets is more than realising the value of a property — it also entails factoring in the holding costs you had to shoulder over the years and preparing for the cost associated with the sale.

Choosing which properties to sell

Out of his nine properties, Kevin decided to sell the Granville unit and the Orange house because he believes that they have already “reached their peak” in terms of wealth-creation potential.

According to him: “I was thinking… I can keep it there and, maybe, in another five years’ time, it might go up by… $50,000 for Granville and... [around] $30,000 for Orange.

“But why don’t I realise the cash, free up some of my money and... my borrowing capacity to buy something [for a] similar amount of money... but will make me more money or... will go up more in value?”

At the end of the day, for smart property investors, it’s all about “the utility of the money”, Smart Property Investment’s Phil Tarrant said. Even when deciding which property to purchase, it’s important to choose the asset that will provide a better use of your money.

Kevin’s advice for budding property investors is: Try to avoid looking at the big picture all the time. Property investment may be deemed as a long-term game, but most of the time, you have a choice between waiting for “slow, organic growth” and seeking opportunities for better growth.

In his case, Kevin decided that, after seeing huge growth in his properties since 2009, it’s time to find better wealth-creation opportunities as the market stabilises.

He said: “For example, with the Granville one, I might be able to buy two in Brisbane… [which may] go up by, say, $150,000 in total.”

“[If I keep the] Granville one, I only predict, say, $50,000 worth of growth, so why not offload Granville… and put [investment] in… Brisbane or wherever, which might potentially give me more than $50,000?” the property investor added.

Phil concluded: “[This strategy will also give you] greater diversification because you can have two properties in different markets — it’s a good strategy.”

Tune in to Kevin Sum’s episode on The Smart Property Investment Show to know more about the right time to haggle commission with your real estate agent, as well as the boxes your property should be ticking and the opportunities you should be jumping on.

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FROM THE WEB

podcast

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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!

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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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.

" ["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) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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