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Your dream home all comes down to strategy

By Jessica Darnbrough
Dream home

Many first time buyers enter the market with their dream home set firmly in their sights. However, that particular goal is often not achievable – at least, not the first time around – and therefore some tweaks to the buying strategy may be needed. Done properly, this could mean the buyer’s dream home is within reach sooner than previously expected.

One of the biggest mistakes a first home buyer can make is to get so caught up in the euphoria of buying a dream property that they exceed their budgetary limits. Just because your lender offers you major borrowing power doesn’t mean you should necessarily jump at the chance.

Before fully committing to a loan, make sure you weigh up whether your current budget can handle the proposed repayments.

To enter the market even sooner, consider adjusting your buying expectations and cutting back on a few luxuries. Making budgetary adjustments now will only benefit you in your property buying future.

A well-informed borrower is more likely to make well-informed decisions regarding property investing. Talking to your parents and industry experts can provide you with the knowledge and strategies that will get you into the market more quickly.

They may suggest approaches such as getting another party involved in your purchase. While you may not have envisioned your first property purchase including someone else, this may be best for your financial situation at the time.

Joining financial forces with someone else means you will not need to bear the financial responsibility of property ownership alone. It will also allow you to increase your buying capacity, meet lending criteria more easily and lessen your long-term financial burden.

Focus your buying strategy on location rather than on the aesthetics of a property. A property may look good, but this means nothing if the location has no potential. Aim to buy with capital growth in mind and steer clear of areas that could devalue. Access to public transport, shops and schools will add value to a property, so watch out for these features too.

Your first home may not be your dream home, but adopting the right strategy at the beginning could propel you towards it sooner than you had thought.

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podcast

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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.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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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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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:

How technology is changing the lending environment
Lessons from a falling market
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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