Promoted Content

Four things you don’t need to start investing today

By Pure Property Investment

Promoted by Pure Property Investment

There is no shortage of commentary within the market on what property investors need to start their investment property portfolio. However, what are the things you don't need to get started now?

First up, a credit card

Don’t believe the hype, credit cards don’t help your credit rating. In fact they are more than likely going to inhibit your ability to borrow rather than help.

I would always focus on getting your mortgage approval before you attain or up your limit on your credit card to maximise your borrowing capacity.

'So, if you have a $5,000 limit, for example, this will reduce your borrowing capacity when being assessed by the banks. Therefore, where possible, reduce your credit card limits or cancel unused credit cards.'

You don’t need experience

Let’s look at the facts, every investor started somewhere. Just because you haven't bought a property before doesn't mean that should stop you from starting now. The only way to get the experience is by doing it.

It can be a daunting step, however, surrounding yourself early with industry experts including in investment property focused mortgage broker, accountant and buyer’s agent can help you build up the knowledge and confidence to buy the correct property the first time around.

Be an expert

At Pure Property Investment, we are advocates for life long education and our website www.purepropertyinvestment.com gives all property investors free access to a wide range of industry leading education, tips and insights.

Use your team for what they are good for. Years of experience and expertise. This can fast track your outcomes rather than making a lifelong mistake when buying your first property.

Again, build a team of industry experts including in investment property focused mortgage broker, accountant and buyer’s agent to ensure that your first purchase is the right one for you.

A huge cash deposit

Whilst buying a property requires a deposit, you don't necessarily need hundreds of thousands of dollars to get started.

You can get creative with different options, including:

  • Guarantor from your parents utilising a small amount of equity from their property to allow you to gain a foot hold in the market earlier
  • Joint ventures with a family member or friend
  • Get a second job
  • Reduce your debt
  • All you need is enough money to cover the deposit and buying costs such as stamp duty, legals, inspections and so on.

 

The reality is that the cost of putting off your investment journey can cost you an enormous amount of lost equity and cash gains every month you put it off. In fact if a markets growing at 5% YOY based on a $500,000 purchase price, its likely costing you roughly $250 - $1000 for every week you delay getting into the market. If you bought a $500,000 property and it grows 5-10% a year, it could be growing anywhere between $20,000 and $50,000 a year.

If you’re hungry for more information, you can register for our free fundamentals of property investing webinar and fast track your knowledge and not miss out on the next opportunity through procrastination.

 

Happy hunting…

 

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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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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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