Tax and legal advice

Weighing up capital gains and rental yield

Harry Kalligeros 70x60When it comes to property investment, the big question is 'what is better – a good price, strong property growth, or high rental return?'  But what if you could have all three?

Blogger: Harry Kalligeros, owner, Properties Invest 

Property investing is growing as a popular Australian pastime with a huge growth of taxpayers owning an investment property in the last two decades.  So what makes a good bricks-and-mortar investment?  It's not about buying any old house or unit, that's for sure, and it's most certainly not about buying something you'd want to live in or even in an area that you necessarily find desirable.

There are two ways to measure your return on investment: Capital growth – the change in price over time and Rental yield – how much rent you're getting as a proportion of what you paid for the place.

People often talk about buying a property with high rental returns.  However, most of the professionals who buy property on behalf of investors would advise going for capital growth primarily, and then aim for a decent yield.  The argument is that just like money in the bank where the interest payments are left untouched, the house value rises having a compounding effect when the property market is going up.  Rent payments on the other hand are generally used to help pay interest payments, rates and so forth, and they don't compound.  A bit like if you had a bank account and kept withdrawing the interest payments, it might provide an income stream but you wouldn't get the benefits of growth on growth.

Generally people who favour high rental yields will be those investors who have less disposable income so that they can use the rent to pay the property's associated bills.  They have to have a higher rent earning property because that's how they can afford to own it in the first place.  People who have more spare cash are more likely to be able to go for a property that has higher price growth prospects but might attract lower rent.  Depending on how you structure the purchase of the property for tax purposes you can set yourself up to take advantage of either scenario.

Historically houses tend to grow in price faster than apartments but apartments tend to attract higher rent; though this is not always the case.  New apartments have greater tax benefits and tend to experience a greater level of growth over the initial years of investment than old or established apartments.  Recently we have experienced a strong level of growth for apartments in high demand areas of PerthPerth, TAS Perth, WA due to a shortfall of available apartments and the population expansion.  Yet in Melbourne apartments have struggled due to an oversupply and a downturn in demand for residential apartments in that city.

With the abundance of property investing information on the web it is becoming more competitive for mum and dad investors to find that elusive bargain.  That bargain is about getting a good combination of yield and growth and allowing property to do what it does through the passage of ownership: build your wealth.


About Harry Kalligeros
Harry Kalligeros 340x408

Harry is the Licensee and owner of Properties Invest Australia-wide, one of the fastest growing independently owned property investment specialist companies in Australia.

With over 21 years’ experience in the financial services industry coupled with 10 years in strategic property research, Harry has worked as a financial planner in large International Australian banks and boutique firms alike. He draws on his financial planning knowledge, passion and experience to help his clients grow their own wealth as they reduce their risk through personalised strategic property investing.

With our passion for property the Properties Invest Australia-wide team evolved out of the financial planning and accounting industries, out of a need for investors to have access to property investment research, analysis and professional strategists.

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FROM THE WEB

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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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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    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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