Finance advice
empty pocket, no deposit money, options for investors, investments, tips on investing

5 options for investors with little to no deposit money

By Bianca Dabu

First-time buyers often enjoy the assistance of First Home Buyers Loan and similar benefits that reduce the amount of deposit required, but is it still possible to continue growing a portfolio even with little to no deposit?

Investors are no stranger to the fact that saving deposit money entails hard work, especially considering the fast and often unpredictable movements of the property markets across Australia.

According to homeloanexperts.com.au’s Otto Dargan: “When I purchased my first investment property, I felt like I was running after a speeding train. The more I saved, the more house prices increased.”

“Many investors today will miss the boat if they don’t act quickly,” he added.

Financing options

Despite the obvious challenge of accessing funds for the purchase of your properties, there are many ways to grow your portfolio through different incentives and assistance:

1. Government grants

Some states offer grants for people who buy or build a new property.

In this case, the valuer is unlikely to take the same conservative approach that they have for developer cashbacks, thereby effectively reducing the size of the deposit of those who will avail the grant.

2. Vendor kickbacks and incentives

Developers and builders often offer cashback or other special incentives that you can use as part of your deposit.

However, the valuation may be reduced by banks depending on the size of the kickback.

“Banks often consider the real purchase price to be the purchase price less the kickback and they reduce the loan accordingly,” Mr Dargan said.

3. 105 per cent guarantor loan

If your parents own a property in Australia, they can provide a limited guarantee for your mortgage — meaning, you can borrow 105 per cent of the purchase price with no deposit and the lender's mortgage insurance waived.

However, in some cases, banks may reject the application for a guarantor loan, especially if your parents are retired or they already have an existing loan on their property.

4. Additional loan

Aside from letting you borrow 95 per cent of the purchase price, some lenders will also allow you to borrow an additional small unsecured loan for $15,000 to $20,000 for additional costs such as stamp duty.

In order to enjoy this benefit, you need to save up at least 5 per cent of the purchase price for the deposit.

Mr Dargan explained: “You can borrow 95 per cent for a home, yet only 90 per cent for an investment property so this works well for people who intend to live in their property and rent it out one day in the future.”

5. Extract from your equity

Refinancing existing properties and releasing equity to use as a deposit for your next purchase is a strategy that many investors use.

Since different banks have different valuers and different valuers have different opinions, a good mortgage broker can help you determine which lender can give you the best value simply by ordering valuations up front.

With enough research, you can find lenders who will allow you to refinance to 95 per cent loan-to-value ratio, provided that you have a clean loans record.

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Karen Davies is a regular listener of the Smart Property Investment Show and is almost ready to leap into the world of property investment in Australia. Taking advantage of her position as a first home buyer and utilising her super for her first investment deposit, Karen shares her plans with host Phil Tarrant. 

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She shares the life altering changes that she will need to make to purchase a property using the strategy which she wishes to employ and discusses how her career changes which have seen her transition from music management to engineering in just seven years have prepared her for such movements.
 
Karen unpacks the strides that she has made so far toward her first property investment, the process of using funds from her super as a deposit and her plans for building a portfolio going forward.

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:

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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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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.

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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!

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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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    • His predictions for the market going forward<\/li>\r\n
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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) "2018-09-19 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

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