Finance advice

'Family equity' popular strategy to enter the market

By webmaster

Using family equity has become an increasingly popular method of raising the necessary funds for a home loan deposit, a new survey has found.

Loan Market Group’s latest survey found 56 per cent of brokers believed family pledges and gifts had become the fastest growing method of acquiring a deposit.

Of the 114 respondents, almost 42 per cent cited genuine savings as the most popular means of obtaining a home loan while just two per cent listed a Government First Home Saver Account as the emerging choice.

Loan Market chief operating officer Dean Rushton said borrowers had to resort to friends and family more often due to the tighter lending regimes.

“Enquiries from first time buyers are down more than 40 per cent from a year ago and foremost among the factors restricting potential property purchasers is the difficulty in saving a deposit for a home loan,” he said.

“Younger buyers, in particular, have to borrow as much as 20 per cent of the property price to obtain a loan and that can mean having to find a considerable sum of money to get into the market.

“So we are seeing increasing cases of borrowers being gifted their deposits from close family or friends or in other cases parents using the equity in their own home to enable children to obtain a deposit.”

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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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AREAS MENTIONED: 

Sydney
Brisbane
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.

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:

Revesby
South Hurstville
Sans Souci
Strathfield

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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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Port Macquarie
Loganlea
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A joint property portfolio before they were even living together

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