Finance advice
investment strategies, property portfolio

2 investment strategies to kickstart your portfolio

By Sasha Karen

Shaving off the cost of an investment property is always an effective strategy to get your foot through the door earlier than usual. These are two strategies that can help you out, but there’s some serious risk to consider.

Speaking at a panel hosted by financial planner Fox & Hare Financial Advice, co-founder Glen Hare said investors could capitalise on the incentives for first home buyers, but they can come at a potential loss.

“If you’re buying a property, up to $650,000, you have a stamp duty exemption, which would be about $21,000,” Mr Hare said.

“And it goes on a sliding scale – you do get discounts up to about $825,000.

However, by capitalising on this strategy, investors need to reside in the property for at least six months, which means there is a loss of six months’ worth of potential rent.

“When you are thinking about that particular strategy [first home buyer incentives], you do need to consider the fact that for a six-month period, you do have to live in that property. So, the government’s … doing that [to] obviously help first home buyers get into the market,” Mr Hare said.

“It is a considerable saving, but because we’re living in the property for six months and we can’t rent it out, then there is rent, income, that you’re not receiving as a result of that, which is important,” Mr Hare said.

Additionally, first time investors buying off-the-plan are also eligible for a $10,000 grant from the government.

The other major strategy first-time investors can consider is the upcoming First Home Super Saver Tax Bill 2017, which will allow for first home buyers access to their super to go towards a new home, but there is a catch.

“There is new legislation coming through that has been approved ... on the first of July this year, which also enables first home buyers to actually access their superannuation.

“You know that little account that’s on the side, that your employer pays money into that you may or may not know what the balance is? It is your money, and the government has said, there [are] various circumstances with this, but you can actually access that early to buy an investment property up to $60,000 for a couple over a two-year period.”

Anthony Millett, CEO of fractional investment company BRICKX, mentioned that it is not just your typical superannuation that can be used, only additional contributions.

“It’s not just your normal super that you’re saving that you don’t care about too much because it’s a long way away. You do actually have to make over-contributions into your super, which does give you a slight tax benefit,” Mr Millet said.

“Contributing to superannuation which is reducing your taxable income, which essentially means that obviously the tax that you’re paying on that is less, but you’re quite right,” Mr Hare agreed.

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
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Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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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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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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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A joint property portfolio before they were even living together

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