Promoted Content

8 Common investor home loan mistakes

By Jasmine Cottan, Lendi.com.au

Promoted by Lendi.

If you’re planning on winning big in real estate, start by learning from the mistakes that even the most experienced property investors sometimes make.

Many property investors dream of rising to the top of the real estate world, but only a handful of people are successful. If you’re planning on winning big in real estate, start by learning from the mistakes that even the most experienced property investors sometimes make. Here’s our rundown of the most common investing mistakes and what you can do to avoid them.

Not shopping around for lenders

If you are already a home owner, it’s common to only shop for an investment loan with your current lender under the assumption that since you already have a home loan with this lender, you might get a better deal on an investment loan. This is one of the biggest mistakes an investor can make. Shopping around for more competitive investor rates doesn’t take long and might save you thousands in the long run. You can save time by doing it all online, Lendi searches hundreds of loans from over 30 major and non-bank lenders around Australia to find the right option for your situation in just 30 seconds.

Forgetting to review your credit score

Before you apply for any loan, check your credit file. Obtain a free copy from a credit reporting agency and if your score is less than excellent, spend at least 3 months settling up your credit cards and paying any other debts on time. If your score doesn’t improve, some specialist lenders will consider borrowers with poor credit history.

Making decisions with your heart over your head

This is a common blunder that investors should avoid at all costs. Inexperienced investors will often let their emotions cloud their judgement and affect crucial financial decisions. Make analytical decisions and spend time reviewing the potential financially gain from each specific investment.

Overlooking the extra criteria for investment loans

Investment home loans can often require larger deposits and incur higher interest rates in comparison to owner-occupier home loans. It’s important to be aware of the criteria surrounding investment loans before you begin shopping for a property. As an investor, you’ll need to be financially prepared to meet these requirements so it’s a good idea to shop around as there are a number of competitive rates available.  

Choosing the wrong suburb

Familiarising yourself with the property market takes time. Before you make any commitments, thoroughly research the area not just the property you’re interested in investing, but the comparable sale prices of that suburb. Look into future planning developments and proximity to public amenities, as the property value of your future investment is dependent on these features.

Buying the wrong kind of property

Don’t be impulsive when purchasing your property. It is important to recognise your market and buy accordingly. For example, you wouldn’t purchase a tiny studio apartment in an area with a population of mainly families. Many investors choose to avoid investing in properties like student housing or serviced apartments as they often come with stricter lending criteria and pose more of a risk to a lender.

Overlooking suburb density

Have you got your eye on a unit in a suburb with a lot of development activity? Review the suburb carefully and look out for areas experiencing massive reconstruction. Lenders are often wary of these areas, some will cap lending in these suburbs and demand at least a 30% deposit from buyers. High-density areas present a higher risk to lending institutes and buyers because of the potential supply over demand. Remember, if there are not enough tenants to occupy the residential buildings, the value of your investment property will decrease significantly.

Buying a property that's too small

Buying a studio in a sought after suburb may seem like a deal but some lenders may refuse to approve loans for properties smaller than 40 square metres. Due to their limited living space, lenders fear the properties won’t be as marketable as others or could potentially remain vacant for extended periods of time leaving the investor unable to make their repayments.  

How much can you save with a better loan?

Find investment loans from over 30 major and non-bank lenders around Australia with Lendi.

Find a better investment loan today.

AUTHOR:

Jasmine Cottan is a content writer at Lendi.com.au, Australia’s largest online home loan platform. Lendi makes it simple to get a better investment property loan online.

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FROM THE WEB

podcast

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Luke’s first property investment included what he now looks back on as “learning experiences”.  He chose it only because it was close to where he lived, he bought it at the peak of the market and he elected to manage his (unreliable, damage-prone) tenants alone. Now, 16 years on Luke has 30 properties and a much better idea about how to approach the investment game.

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In this episode of the Smart Property Investment Show Luke joins host Tim Neary to unpack how he went about educating himself, how his investment style has changed over time and why patience is the name of the game.

Luke will also share how his initial mistakes discouraged him and had him doubting the wisdom of being an investor, and how his realisation of the importance of active management bought him back into line.  He will discuss the importance of having a strong support team and why it’s smart to put a proper value on your personal time.

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 to profit from changing market conditions
Quit the 9 to 5: Taking control of your income and your career
4 tips for first time property investors

AREAS MENTIONED: 

Sydney
Brisbane
Adelaide
Wollongong
Geelong
Melton South
Cairns
Perth

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Promoted by Blue Ink Finance.

Budgeting tips when your Personal Debt is High.

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Credit card debts and personal loans are the greatest obstacle between everyday people and their potential to live in financial freedom.

Of course, I understand that sometimes getting a small personal loan is absolutely necessary. Unexpected costs like medical expenses can make personal loans the only option.

However, the majority of us have debt simply because we spend more than we earn.

In either case, your number one priority is unlocking those chains of debt that are holding you back.

I’m going to give you some tips for budgeting with hefty personal debt, but first I want to talk about the impact those loans are having on your life.

How much is your debt really costing you?

Over the years that you’re paying off your loans at the minimum repayment, the interest on those items will end up costing you multiple times more than the original borrowed amount - and those endless due dates will haunt you. There’s no freedom in that!

Let me give you an example. You’ll be shocked, I guarantee it!

Let’s say you have around $4,000 of credit card debt, charged at 19.99% p.a. If you paid only the minimum monthly amount, it would take 37 years to pay off the total debt.

How much will that $4,000 debt cost you? $19,200. Depressing, isn’t it?

You might feel like you need a full-blown money explosion to get out of debt, but don’t despair just yet.

What you need to do is arm yourself with a strategic budget, and I’ve got some tips to help you.

Budgeting while you have hefty personal debt is tough, but possible – and it’s essential for eliminating that debt forever. Let’s have a quick look at how you can start to tackle that mountain of borrowed money.

It’s time to take charge and break some chains!

There’s a method for reducing debt that has an excellent success rate, if you’re committed:

  1. Make a realistic budget (and stick to it)
  2. Reduce your expenses and/or increase your income until you are in the black
  3. Save an emergency fund first
  4. Pay off your personal loans and credit cards, starting with the either the smallest debt first or the debt with the highest interest rate
  5. Revise your budget as you go along.

Why an emergency fund is paramount to success

You’ll see I’ve put saving an emergency fund before paying off your loans. Even a small amount initially, like $500, is enough to stop the cycle of borrowing to pay bills, then paying out even more in interest each month, which leaves less in the bank to pay the next bill.

Once you have a buffer saved, then you can start aiming some serious firepower on your debt, and that’s when it gets exciting!

Think back to my credit card example. If you upped the payments each month from $84 per month to $212, you would have the card paid off in two years and save $14,285 in interest. That’s worth a little bit of effort, wouldn’t you agree?

Tips for a budget that works

You may need to cut back drastically on your expenses to clear your debt, but here’s some other ways to make the most of your budget:

  • Find micro-ways to reduce your expenses every day. Make work lunches at home, cancel a pay TV subscription, find a better phone deal, or pass on your afternoon chocolate bar from the vending machine. Instead of spending $40 on a takeaway dinner, have a bowl of cereal!

  • Find a friend who will keep you accountable. Having someone else who shuns a pricey outing to the day spa for a walk along the beach instead will make you feel better about saying ‘no’ to expensive events that will blow the budget.

  • Refinance your home loan to release some funds. If you have a mortgage, talk to us at Blue Ink Finance about the possibility of refinancing your home loan to allow you to release some equity to help clear your high interest, personal debt. It’s not always the best strategy, but it’s worth investigating, especially if you can consolidate it into a home loan that has a significantly lower interest rate.

  • If your income increases, leverage it! The only place that extra money should go is into paying off more debt. Enough said!

  • Refine and polish your budget as your circumstances change. Your budget shouldn’t stay the same. As you find more ways to decrease your expenditure and become adept at sticking to your financial plan, fine-tune your budget to reflect your savvy saving. Any spare change goes directly onto your debt.

  • Automate payments of bills, so you don’t spend the money first. This saves you from late fees if you forget, too.

The reality is that you won’t have a profitable budget until you get rid of that high-interest debt. The beauty of a budget is that it can get you there! Knock the debt, stay away from borrowing except for assets like property, and you’ll have a well-oiled financial plan that kicks goals instead of paying lenders!

At Blue Ink Finance, we have a team of expert brokers as well as a panel of industry experts that understand all the nuances of positioning your personal finances to kick real goals with Property Assets and can support you in achieving your goals.

Give the team at Blue Ink Finance a call on 1300 888 796 or click here to request your Complimentary Finance Review with one of our experienced Finance Coaches now.

And see how having a panel of industry experts on your side, can fast track your property goals.

About The Author

David Wegener
Chief Executive Officer
Blue Ink Finance

Who I am, and why I want to help you succeed.

As an award-winning Mortgage Broker with nearly 20 years’ experience in the finance industry, I’ve seen it all.

I’ve gone through constant industry changes and yet I still successfully help my customers borrow the money they need to get ahead.

As a Finance Coach, my goal is to help you understand your financial potential so that you can borrow with confidence.

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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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AREAS MENTIONED: 

Sydney
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Can property presentation result in a higher valuation?

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