Tax and legal advice

Is your accountant well-equipped to handle your property portfolio?

By Bianca Dabu
property portfolio, accountant, personal accountant, financial accounting, property investment

Being able to find a good accountant is instrumental to the success of most property investors, and while there are many factors to consider when building your financial team, experience and knowledge are often the most effective indicators of the value they can add to your portfolio.

Keshab Chartered Accountants’ Munzurul Khan has helped Smart Property Investment’s Phil Tarrant build his multi-property portfolio and, according to him, the secret to their strong relationship is their shared passion for property.

“When I sit down with someone, I say, ‘I myself don't have a lot of shares … [or] a lot of Managed Funds and so forth, and because I don't have my own ... practical experience in terms [of these], I'm not the best person to advise anything about [them],” he said.

For him, the ability to add value to an investor’s portfolio lies in having practical knowledge about a certain asset class. An accountant who specialises in property, or any particular asset class, will work better than an accountant who considers himself a “Jack of all trades”.

According to Munzurul: “It's all about the practical knowledge. Is your accountant also a property investor … ? What's the mindset of your accountant? Accountants are generally conservative, and that's good—conservative at a level where it is also practical.”

Building relationships

Finding a good accountant is almost like seeking a new trusted friend—you have to be able to communicate well about your goals as well as your capabilities and limitation as a property investor.

Like any property professional, accountants can only work as well as they know their clients.

“Your accountant may know everything in the world but if [you] don't relate to your accountant, [it could be meaningless],” Munzurul said.

Instead of making you feel uneasy whenever talking about your portfolio or your financial circumstance, the right accountant will make a “rejuvenating experience” out of it, according to Phil. 

Every conversation you have will be an opportunity to reassess your strategies and ensure that you’re staying on track towards achieving your goals, and you will look forward to these talks because your accountant is able to relay even the most complicated ideas through simple words. After all, no two property investment journey will ever be the same, so it’s absolutely necessary that your financial team is knowledgeable about your personal financial circumstance for them to give you the best advice.

Phil said: “There's a lot of principles and theories and strategies and experiences [you will] speak about, [and your accountant] should be trying to apply them to your particular circumstances and situation.”

“Use … information [from your own journey] to become a better property investor,” he concluded.

Tune in to Munzurul Khan’s new episode on The Smart Property Investment Show to know which structure is best to buy in, how the ownership of a property works when referring to names, as well as the risks associated with having two names on a mortgage and title and which one is preferable to new home buyers.

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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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