Finance advice

Splitting the cost

By Stacey Moseley

Buying a property with family or friends can be a nifty way to kick start your property portfolio, provided it’s done correctly.

 

While not without risk, buying an investment property with family or friends can have financial benefits. Co-purchasing may not only give you easier access to finance by combining your borrowing power, it can also mean you can own an investment property quickly.

With the average Australian median house price sitting at $483,500, and the average new owner-occupier mortgage now $287,700 (according to RP Data), there’s a lot to be said for pooling finances to achieve an investment dream.

Joining forces with friends or family may secure you an attractive investment and even a larger investment than what you could have afforded alone.

Splitting a property’s maintenance and utility costs, as well as mortgage repayments, will also certainly ease the pain of owning an investment property.

Like any investment venture, however, there are traps to avoid and when it comes to co-purchasing, the biggest trap is failure to communicate with your fellow investors. Most disputes arise because buyers are unclear about the terms of their joint venture, with arguments occurring over bills, shared use, repairs and so on.

It’s therefore important to communicate with your co-buyers about each other’s needs, budgets, plans, obligations and exit strategies – and to put them down in writing.

A second risk is getting in over your head. If a co-buyer enters a loan agreement, they generally become liable for the whole of the mortgage, not just their individual share. This can cause serious financial difficulties if one borrower loses their job, pays late, or fails to meet lender requirements.

Therefore, whether you invest with family or friends, you should treat co-purchasing as a business deal.

It may help to have a third person present during discussions as they can ensure everyone has a fair say. Ideally, each buyer should also have their own legal representation, so their individual interests are protected.

With clear communication about all aspects of buying, occupying and managing the property, plus a willingness to document the transaction, there’s no reason why your co-buying experience can’t be an enjoyable one.

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podcast

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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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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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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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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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The different reasons to start rentvesting

 

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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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Why buying new property doesn’t mean buying better property

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