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Time to go bush?

By Jessica Darnbrough
Time to go bush

Making a sea or tree change might be a smart move that could save you thousands in the long term.

As the cost of living continues to soar, an increasing number of Australians are packing up their lives and relocating to regional areas within Australia.

There are many benefits for those who are game enough to take the plunge, with easier access to the great outdoors and a slower pace of life just two of them.

But none is more enticing than the potential savings in the cost of housing.

If like many Australians you are feeling the strain of having to service a hefty mortgage, selling up and securing a home in a smaller city or town could be a great way to rid yourself of a burdening debt.

This might just be a smart strategy that could save you thousands of dollars.

RP Data/Rismark figures for the June 2011 quarter show metro markets across NSW recorded a median house price of $585,000, while in the state’s regional markets during the same period, the median house price was just $330,000.

This is a saving of $255,000, which could shave tens of thousands of dollars off the mortgage for many home buyers. And this is just one example; the same applies across Australia.

By reducing your debt obligations for your principal place of residence, you’ll be spending less of your hard earned cash on interest repayments.

In most regional markets, you’ll also get much more for your money.

If you own a comfortable-but-could-be-bigger Melbourne terrace, you could easily trade that for a four bedroom, double garage home with a big backyard in a regional Victorian location for under $400,000.

However, there are a few things you should consider before making the move.

You may well have to take a pay cut (hence the need to consider a move to the country very carefully) but the cost of living should be substantially less.

Chances are you’ll be able to drive to work in as little as 10 minutes, saving on petrol and tolls. School fees will also be lower, while eating out will be much cheaper.

Renting in the area for a few months prior to purchasing a home could be an effective way to test out the location and to ensure you are comfortable making the switch.

Be sure to check out hospitals, schools, traffic conditions and even internet access to make sure you get the sunny new start you deserve at a price you know you can afford.

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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
Securing finance after life-changing events: ‘Cash flow is key’

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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
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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