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Aspiring property tycoons find growth solution in SMSF … and invest with as little as $10,000

By hotspotcentral.com.au

PROMOTED BY HOTSPOTCENTRAL.COM.AU
By Michael Fuller, founder hotspotcentral.com.au

The BRW Rich List Top 200 published in the Australian Financial Review in 2016 revealed that 50 of the wealthiest people made their fortune through bricks and mortar … mostly through developing and selling property – rather than investing IN (keeping) property like average investors.

Average investors believe that purchasing properties and growing a large property investment portfolio is the way to build wealth. Subsequently, many leave all of their equity in their home and investments and wait for market forces to grow its value.

Wealthy investors, however, actively build their wealth in 5 ways … and now aspiring investors can get started with as little as $10,000.

  1. They always buy under market value.
  2. They look for cash-flow positive investments.
  3. They constantly monitor the market to buy and sell at the right time to take up better growth opportunities.
  4. They use experts and partner with successful property developers to leverage their contacts, time, experience and expertise to make more money, faster.
  5. They develop property … and here’s the crunch – they don’t always keep it.

 

Does it surprise you that many wealthy investors don’t actually keep property?

It’s true. The most successful investors are the ones who partner with reputable developers, providing them with seed funding to get developments off the ground.

In return, these developers are happy to pass on their Developer’s Profit (remember this is not the only place a developer makes money!)… allowing the Armchair (investor) Developer to buy property at 15-25% below market value (cost price), or passing on profits in the form of good cash returns to investors who choose not to keep property. Find out more about our Armchair Developer program and how you can buy property at 15-25% below market value or invest in property development with as little as $10,000.

Sound too good to be true? Then watch this case study video on how Tracy Smith, an ordinary SMSF investor, got her townhouse at 21.7% discount to bank valuation with instant equity and positive cash flows, and after having retrieved her original investment.

Many people believe that you have to have money, and significant money, to make money. It’s true to some degree, as most investors who purchase (and keep) property at cost price have to have a very large initial investment to do so.

 

But, as innovative crowd-funding opportunities open up in Australia, through platforms such as Hotspotcentral.com.au, anyone can partner with developers and trade in property for as little as $10,000.

But most of us mere mortals aren’t aware about two things:

  1. We need as little as $10,000 cash to partner with a developer and make around 20%+ cash returns, without keeping a property.
  2. We can access this cash from our self-managed Super funds.

With 72% of investors stuck just owning one investment property … so says the ATO … this is exciting news for all aspiring investors. You can build up your Super or cash deposit funds by trading in property development (investing for cash returns), until such time as you can afford a much larger deposit to partner with developers and purchase cost price property to build your portfolio … if keeping property appeals to you. Of course, not everyone wants to have to deal with tenants and property management issues.

 

There are a few key considerations investors need to be aware of to make money in property development through SMSF.

  1. Buy in suburbs BEFORE prices go up

By choosing the right locations, you could see your investment money work harder for you. Free research tools like Boomtown (at boomapp.com.au) can help you pinpoint these suburbs with scientific accuracy. This web app collates and analyses the 8 known supply and demand statistics for over 15,000 suburbs, spitting out its predictions for the best growth locations according to your budget and strategy. Its predictions have consistently outperformed the market average growth as well as the expert predictions quoted in the media.

  1. Buy under market value

Successful investors make their money buying property at wholesale (cost) price. This means they never buy off-the-plan or pay retail prices. They provide seed funding to developers in exchange for property at cost price – 15-25% under bank/market value – or in exchange for healthy (20%+) cash returns on cash-only investments. By buying under market value, they ensure they have a safety buffer against changes in market conditions during development or in the future.

  1. Establish the set-up costs

Choosing where to invest wisely and controlling the set-up costs are paramount now the days of double-digit growth are over. Be weary of spruikers or financial planners who are set to pocket handsomely from referral commissions, eating into your profits. They may not have your best interests at heart.

  1. Choose the investment approach that suits your budget and strategy

Don't rely solely on market forces to deliver capital growth. You really can manufacture your own capital growth in two ways:

  • Partnering with successful developers to get cash-flow positive property at cost price and significantly below bank valuation
  • Investing cash with successful property developers for around 20%+ cash on cash returns (sharing in the profit), and not keeping a property on completion

Why not mirror what Australia’s wealthy and successful investors have done. You would be foolish not to. In fact, here’s a FREE Infographic on the 5 Ways Wealth People Make Money In Any Property Cycle, to get you started.

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  string(88) "‘Common’ referrer practice of being paid on both sides of the fence coming to an end"
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The practice of property investment firms sharing undisclosed kickbacks among the supply chain involved in development sales will be outlawed in NSW on 1 July this year under the Real Estate Reform being handed down by regulators in NSW.

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Property commentator and valuer, Suburbanite’s Anna Porter, said the reform will address conflicts of interest.

She said they arise when a mortgage broker, accountant or financial planner receives part of the commission from the property firm, who receive their fees from the developer or seller.

“This puts the broker into a position by which they are being paid on both sides of the fence,” she said.

“Until now this has been a grey area and there was nothing stopping this practice.” 

Ms Porter said this has been a common practice in the industry.

"Some well-known mortgage broking firms openly admit to receiving $5,000–$10,000 per referral in their pocket.”

She also said this process has been going on for decades.

"Property investment firms commonly pass some of their commission on to the mortgage broker, accountant or financial planner as a reward to them for passing on the referral. This means that many brokers or financial service providers are making significant amounts of money just to refer on to a property firm, often totalling hundreds of thousands of dollars a year," Anna Porter said.

Ms Porter said the Property, Stock and Business Agents Amendment (Property Industry Reform) Bill 2017 will be in force from July this year, and will prohibit this practice unless the broker or referring partner also holds a real estate industry license.

"Under the new laws, if the broker takes a referral fee from the property firm, they will have to be a licensed real estate agent and also hold a corporation’s license,” she said. 

“Subsequently, every transaction that they receive a referral fee from, they will be putting their license up against the transaction and taking full liability for the conduct, practices and outcome of that transaction, even if they have little to do with the transaction; they are a party to it financially and therefore take as much risk as everyone else in the transaction.”

Mr Porter said where a referrer holds a real estate license, and receives a part of the sale commission, they may find themselves in breach of the ethical requirements under the act.

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  ["title"]=>
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  string(196) "

New data from Mortgage Choice shows that property buyers continue to choose variable rate home loan products, as demand for fixed rate home loans fell for the eighth consecutive month. 

" ["fulltext"]=> string(2018) "

According to the company’s latest national home loan approval data, variable rate home loans accounted for over 82 per cent of all home loans written throughout May 2018 — up over 2 per cent from the month prior, and almost 7 per cent higher than the 12-month average.

Mortgage Choice CEO, Susan Mitchell, said this trend will continue as borrowers develop apathy towards the RBA’s stagnant cash rate.

“Indeed, we continue to see borrowers opt for the flexible nature of variable rate home loans which may offer a redraw facility, offset accounts and the ability to make extra repayments. These features are not typically associated with fixed rate loans.

“While a fixed rate product provides repayment certainty, variable home loan rates have been relatively stable for a prolonged period of time giving borrowers little incentive to fix.”

This week’s Housing Finance data from the Australian Bureau of Statistics found that 52,116 home loans were approved throughout April, down 1.4 per cent from the previous month.

Ms Mitchell said she is unsurprised that the value of investment loans dipped — falling 0.9 of a percentage point to $10.7 billion in April.

She said this could reflect tighter lending standards and serviceability policies.

“However, May data may show an increase in investment loans following APRA lifting the cap on investor loan growth at the end of April,” said Ms Mitchell.

Ms Mitchell also noted that the number of first home buyer commitments as a percentage of total owner-occupied housing finance commitments rose to 17.6 per cent in April 2018, from 13.7 per cent in January 2018.

“This increase is significant and first home buyers seem to be propping up the market.”

Ms Mitchell said she expected home loan demand would be maintained.

“[Due to] a combination of factors, such as historically low interest rates, easing property prices and access to FHOGs.”

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Buyer ‘apathy’ behind mortgage preferences
object(stdClass)#1201 (52) {
  ["id"]=>
  string(5) "18158"
  ["title"]=>
  string(57) "The benefits of investing in a decreasing property market"
  ["alias"]=>
  string(57) "the-benefits-of-investing-in-a-decreasing-property-market"
  ["introtext"]=>
  string(150) "

The Australian property market is arguably in a softening phase, and this can have both positive and negative effects for property investors.

" ["fulltext"]=> string(2963) "

In this episode of the Smart Property Investment show, Real Estate Gym’s Tom Panos joins host Phil Tarrant to discuss how investors can take advantage of this decreasing market by leveraging off of the reduced urgency in the sales process.  He also discusses the importance of researching up to date sales data before investing and looks at the state of the Australian property market as a whole.

With many property investors also selling property throughout their journey Tom reveals the best months to buy property in Australia, shares his thoughts on why an auction is not always the best method of sale and how as a purchasing decision it can lead to over-paying.

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 benefits of investing in a decreasing property market

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