Our Portfolio

Investment tip: Why investing in underdog areas could be worth the risk

By Bianca Dabu
investment tip, underdog areas, investing, property market

When many property investors and professionals were talking about the good markets in Sydney, Central Coast, and Newcastle, Smart Property Investment’s Phil Tarrant decided to buy his asset in a suburb considered to be an “underdog area”: Port Kembla, south of Wollongong.

As he looks into growing his 17-property portfolio, Phil is currently going through the process of refinancing one of his properties to extract some cash and get him ready for his next purchase. For his Port Kembla property, he is also looking to get a line of credit put against it in order to free up some liquidity.

According to the property investor: “So rather than ‘refinancing' … and pulling out a chunk of cash, we're just going to leave it parked in a facility ... If we're not drawing down on it, it's not costing [us any money].”

“It means that we can strike when the opportunity arises, and that property we have down in Port Kembla's done pretty well in terms of capital growth,” he added.

After the property’s settlement in 2014, it’s $320,000 value of the duplex pair has already gone up to around 50 to 60 per cent. Even though it’s not a particularly beautiful property, it remains valuable because of how much it had contributed to Phil’s property portfolio.

His buyer’s agent Steve Waters said: “It's not the prettiest property in the world by any means, but it's done its job … The reason that was bought was for growth and instant equity, and it's done that.”

Investing in the Wollongong area

When the property in Port Kembla was purchased, Wollongong was considered an “underdog area” because everybody was fixated on the state of cities and suburbs like Sydney and Newcastle. Instead of going where most people are, Phil and his financial team decided to take advantage of the fact that there is less competition in the Wollongong area.

“Everybody was talking about Sydney, everybody was talking about the Central Coast and Newcastle, but everyone was forgetting about Wollongong… so we took advantage of that and bought as much as we could,” Steve shared.

Although there have been some issues with tenants in the beginning because of the fact that it’s not the most glamorous property in the area and is, therefore, at the lower-end of the market, it has remained as one of Phil’s best-performing assets. After they have found great tenants, the only problems they faced during the past years were general maintenance and repairs.

According to the buyer’s agent: “There will from time to time be things to do, but we don't want to spend a lot because eventually, we are going to bowl it over and build something else … The least we spend on it now, the better.”

Eventually, this property in Port Kembla will make way for a new purchase and, ultimately, the continuous growth of Phil’s property portfolio. Right now, the property investor and his team are looking for opportunities in the market, aiming to buy properties with the “X factor”.

Steve explained: “The portfolio now is at a size where we don't need the bread and butter and just growth and good locations and fundamentals and what have you. We need to be looking for … chunk opportunities where we can add value.”

“Whether that be by subdivision, building ... a massive renovation ... Something that gives a really good input to the equity position … [and has a] sufficient cash flow to accommodate it,” he added.

Tune in to Phil Tarrant’s portfolio update on The Smart Property Investment Show to know more about the current state of different Australian property markets and where they are headed, as well as the best suburb for your next investment property. 

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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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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].au for more insights!

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Launceston
Raceview

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They weren’t even living together at the time. Now, two years on, the pair have bought five p" ["access"]=> string(1) "1" ["hits"]=> string(3) "131" ["xreference"]=> string(0) "" ["featured"]=> string(1) "0" ["language"]=> string(1) "*" ["readmore"]=> string(4) "2893" ["ordering"]=> string(1) "2" ["category_title"]=> string(25) "Smart Property Investment" ["category_route"]=> string(25) "smart-property-investment" ["category_access"]=> string(1) "1" ["category_alias"]=> string(25) "smart-property-investment" ["published"]=> string(1) "1" ["parents_published"]=> string(1) "1" ["lft"]=> string(2) "47" ["author"]=> string(12) "Todd Stevens" ["author_email"]=> string(33) "[email protected]" ["parent_title"]=> string(4) "ROOT" ["parent_id"]=> string(1) "1" ["parent_route"]=> string(0) "" ["parent_alias"]=> string(4) "root" ["rating"]=> string(1) "0" ["rating_count"]=> string(1) "0" ["alternative_readmore"]=> NULL ["layout"]=> NULL ["params"]=> object(Joomla\Registry\Registry)#1317 (3) { ["data":protected]=> object(stdClass)#1332 (95) { ["article_layout"]=> string(14) "spbase:article" ["show_title"]=> string(1) "1" ["link_titles"]=> string(1) "1" ["show_intro"]=> string(1) "1" ["info_block_position"]=> string(1) "0" ["info_block_show_title"]=> string(1) "1" ["show_category"]=> string(1) "1" ["link_category"]=> string(1) "0" ["show_parent_category"]=> string(1) "0" ["link_parent_category"]=> string(1) "0" ["show_associations"]=> string(1) "0" ["flags"]=> string(1) "1" ["show_author"]=> string(1) "1" ["link_author"]=> string(1) "0" ["show_create_date"]=> string(1) "0" ["show_modify_date"]=> string(1) "1" ["show_publish_date"]=> string(1) "1" ["show_item_navigation"]=> string(1) "0" ["show_vote"]=> string(1) "0" ["show_readmore"]=> string(1) "1" ["show_readmore_title"]=> string(1) "0" ["readmore_limit"]=> string(3) "100" ["show_tags"]=> string(1) "1" ["show_icons"]=> string(1) "0" ["show_print_icon"]=> string(1) "0" ["show_email_icon"]=> string(1) "1" ["show_hits"]=> string(1) "0" ["show_noauth"]=> string(1) "0" ["urls_position"]=> string(1) "0" ["captcha"]=> string(0) "" ["show_publishing_options"]=> string(1) "1" ["show_article_options"]=> string(1) "1" ["save_history"]=> string(1) "0" ["history_limit"]=> int(10) ["show_urls_images_frontend"]=> string(1) "0" ["show_urls_images_backend"]=> string(1) "1" ["targeta"]=> int(0) ["targetb"]=> int(0) ["targetc"]=> int(0) ["float_intro"]=> string(5) "right" ["float_fulltext"]=> string(5) "right" ["category_layout"]=> string(6) "_:blog" ["show_category_heading_title_text"]=> string(1) "0" ["show_category_title"]=> string(1) "0" ["show_description"]=> string(1) "0" ["show_description_image"]=> string(1) "0" ["maxLevel"]=> string(1) "0" ["show_empty_categories"]=> string(1) "0" ["show_no_articles"]=> string(1) "1" ["show_subcat_desc"]=> string(1) "0" ["show_cat_num_articles"]=> string(1) "0" ["show_cat_tags"]=> string(1) "0" ["show_base_description"]=> string(1) "1" ["maxLevelcat"]=> string(2) "-1" ["show_empty_categories_cat"]=> string(1) "0" ["show_subcat_desc_cat"]=> string(1) "1" ["show_cat_num_articles_cat"]=> string(1) "1" ["num_leading_articles"]=> string(2) "15" ["num_intro_articles"]=> string(1) "0" ["num_columns"]=> string(1) "0" ["num_links"]=> string(1) "0" ["multi_column_order"]=> string(1) "0" ["show_subcategory_content"]=> string(1) "0" ["show_pagination_limit"]=> string(1) "1" ["filter_field"]=> string(4) "hide" ["show_headings"]=> string(1) "1" ["list_show_date"]=> string(1) "0" ["date_format"]=> string(0) "" ["list_show_hits"]=> string(1) "0" ["list_show_author"]=> string(1) "0" ["list_show_votes"]=> string(1) "0" ["list_show_ratings"]=> string(1) "0" ["orderby_pri"]=> string(4) "none" ["orderby_sec"]=> string(5) "rdate" ["order_date"]=> string(9) "published" ["show_pagination"]=> string(1) "1" ["show_pagination_results"]=> string(1) "1" ["show_featured"]=> string(4) "show" ["show_feed_link"]=> string(1) "1" ["feed_summary"]=> string(1) "0" ["feed_show_readmore"]=> string(1) "0" ["sef_advanced"]=> int(0) ["sef_ids"]=> int(0) ["custom_fields_enable"]=> string(1) "1" ["show_page_heading"]=> NULL ["layout_type"]=> string(4) "blog" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(50) "Our property portfolio - Smart Property Investment" ["page_heading"]=> string(33) "Our Property Investment Portfolio" ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-08-09 06:25:20" ["slug"]=> string(70) "18404:a-joint-property-portfolio-before-they-were-even-living-together" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(90) "/investor-stories-1/18404-a-joint-property-portfolio-before-they-were-even-living-together" }
A joint property portfolio before they were even living together

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