Finance advice

Ring in a Happy New (Financial) Year!

By Reporter

With the end of the 2010 financial year at hand think carefully about how your tax refund can help reduce your mortgage.

 

Come 1 July 2010 you will be able to lodge your tax return, which for many can result in a welcome windfall from the ATO.

But the question is: how should you spend it?

Using your tax return to reduce your debts, either by depositing it directly into your mortgage, or by paying off your credit cards and personal loans, will ultimately help to place you in a better financial position for the future.

Pay off your debts Excessive credit card debt is destructive to your financial goals – high interest rates and annual fees can cost a lot of wasted dollars over the course of a year.

And with credit card and personal loan interest rates as high as 15 to 19 per cent or more, it’s no wonder there’s good reason to start thinking about how to drive that down debt. Reduce your home loan principal balance Alternatively, consider depositing your tax return into your mortgage to reduce the loan balance.

As tempting as it may be to hold on to your tax return and fritter it away on daily expenses, sometimes putting your tax return out of sight and mind might actually be better for you.

By depositing it straight into your mortgage your daily expenses will remain the same, but your mortgage could be reduced by thousands of dollars.

Doesn’t that make you feel like celebrating?

And when you think about it, spending a $3,000 tax return on groceries will only amount to $3,000 worth of groceries.

But if you invest your tax return into your mortgage, the reduction over the life of your loan will be significantly reduced.

Let’s look at this more closely...

Case Study Sally, a school teacher, received a $3,000 tax refund. She deposited it in her $400,000 mortgage with an interest rate of 7.51 per cent per annum, after having her mortgage for two years.

Over the period of her 30 year mortgage, she would save $24,572.88 in interest and take 10 months off the life of the loan just through depositing this amount.

If she deposited her tax return every year, think of the savings she would achieve!

And you can too.

Get saving So with the end of the financial year drawing near, now is the time to start thinking whether your tax return – even if it is just a few hundred of dollars – could be invested in your mortgage to secure you a better financial future.

Now that’s money well spent.

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podcast

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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.

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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A joint property portfolio before they were even living together

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