Finance advice
investment tip, finances, money, cash, money bag, guide for structuring finances

Investment tip: A two-step guide for structuring finances

By Bianca Dabu

One of the most important factors to consider when growing your portfolio is financing — after all, investments won’t really work without enough funds, whether through cash or loans. What are the factors to consider when structuring finances for your portfolio?

Having a good grasp on finance can help an investor optimise his cash flow and ultimately make money work harder for him, according to Multifocus Properties and Finance’s Philippe Brach.

He said: “Whatever your motivation [is], having a clear plan can mean the difference between an efficient and enjoyable journey and a costly nightmare.”

“Buying one or even two properties is manageable without too much planning, but even then, good management can optimise tax and cash flow in reaching your goal,” the property professional added.

Mr Brach shared his two-step guide for structuring finances for a multi-property portfolio:

1. Work out your ideal portfolio size

As the first step, Mr Brach recommended assessing your financial goals and determining the amount of passive income you want to achieve by the end of your journey.

Then, simply work your way backwards to identify the perfect portfolio size for you, he said.

The property professional explained: “If your retirement target is to have an income stream of $100,000 per annum, you will need $2 million in assets, generating five per cent per annum.”

“You will also need to adjust this to ‘future dollars’, as $100,000 today will be worth a lot less when you retire,” he added.

Aside from helping you set a course for your investment journey, knowing your ideal portfolio size will also help you know the limits of your servicing capabilities.

"There is no point [in] planning a portfolio of 20 properties if your borrowing capacity is only $300,000,” Mr Brach highlighted.

2. Engage a good finance broker

Once you have done the first step, it’s time to collate all the data you need to structure your finance and ultimately build a good portfolio.

However, this data may be overwhelming, which is why Mr Brach strongly advised seeking the guidance of a good and trustworthy finance broker who specialises in structuring loans for investors with multiple properties

According to him, your broker needs to understand how taxation works, the structures allowed by the Australian Taxation Office (ATO), as well as the different ways to optimise a property’s cash flow while reducing your home loan mortgage at the same time.

Those who have good incomes and already have their own home with a partially paid mortgage could be led to believe that they could simply build up their savings to afford the deposit for their first investment property.

However, a good finance broker will tell you that it’s more efficient “to keep the cash savings in an offset account against the home loan, which is not tax-deductible, and release equity from the home to invest in property, which is tax deductible”, Mr Brach said.

He explained: “With this structure, we have created a buffer by reserving their savings, and we have optimised the tax effectiveness of their investment.”

Every investment journey will require a different finance structure based on the investor’s financial profile, so it is important to find a finance broker who will be willing to understand you as an investor — the goals you want to achieve as well as your financial capabilities and limitations.

At the end of the day, their responsibility is to help you keep maximum flexibility and optimise cash flow and tax deductions, while you continue to add assets to your existing portfolio.

“Getting the planning and structure right is the key to a successful and pleasant experience. It’s better to spend a bit more time getting the structure right than rushing straight into an opportunity,” Mr Brach concluded.

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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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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.

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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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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Launceston
Raceview

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A joint property portfolio before they were even living together

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