Promoted Content

What is equity and how can I use it to invest in property?

By St Dane Property Solutions

Promoted by St Dane Property Solutions.

Your probably know that your home is your most valuable asset. But did you realise it can be your springboard to a secure financial future?

If you want to start investing in property, but don’t think you have the cash for a deposit, take another look. The value inherent in your family home is a form of savings and can start you on the way to a handsome property portfolio with all the advantages, such as negative gearing and a steady passive income, that this implies. You can use equity as security with the lender and borrow against it.

Chances are you have been paying off the mortgage for quite a few years. These payments, combined with the capital gain that has accrued as the house’s value has increased, means that you most likely have quite a lot of equity in your home that you can use as collateral to secure an investment loan.

An equity loan is often referred to as a second mortgage. When you understand what equity is and how to use it, you are well-positioned to take advantage of market opportunities.

Equity is the difference between the market value of your home and what is owed on it. You can use up to 80 per cent of this amount as deposit on another property. Lenders won’t lend the full amount because if house prices dip, they don’t want an outstanding loan that is worth more than the asset.

Equity increases in three ways – through capital growth, through the payments you make off the mortgage, and through improvements that you have made to the property.

How to calculate equity

If your home is worth $1 million and you owe $500,000, then your useable equity is $300,000 (80% of $1m = $800,000-$500,000).

Borrowing no more than 80 per cent means that you do not need lenders mortgage insurance.

To get an idea of the value of the investment property you can purchase, a simple rule is to multiply your useable equity by four, eg, $300,000 X 4 = $1.2million.

For more information about using the equity in your home, and for expert property investment advice, book a free consultation with the team at St Dane Property Solutions: www.stdaneproperty.com.au

 

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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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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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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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