Tax and legal advice

Removal of stamp duty exemption hurts FHBs

By webmaster

First home buyers are thin on the ground, at least in the NSW city of Wollongong, a local real estate principal has said.

Greg Chadwick, principal at Dougmal Harcourts Wollongong, said that he hadn’t seen a first home buyer since last year.

He put this down to the NSW government’s decision to remove stamp duty exemptions for first home buyers purchasing existing dwellings.The change, which came into effect on January 1, means first home buyers are liable for stamp duty on all but new dwellings worth up to $600,000.

Mr Chadwick said in the months leading up to Christmas, it was common for up to four groups of first home buyers to be bidding for the one property, helping to drive up some house prices to levels that weren’t justified.

Mr Chadwick said it would have been preferable if the government had simply tweaked the exemption scheme, reverting to a system where buyers had a few years to pay off the duty.

“They need to do something,” he said, referring to the state government. He added that the first home owner grant (FHOG), which currently stands at $7,000, wasn’t enough to prompt first home owners to buy in markets where the price of a home was around $450,000.

“The stamp duty expense is more important,” he said.

Only recently, the Real Estate Institute of Australia (REIA) called on the federal government to increase the FHOG to $15,000 as part of the next budget.

“When the FHOG was introduced in July 2000, the Australian quarterly weighted average median house price was $220,443,” the REIA said in its submission to the government. “The Australian weighted average median house price in the most recent quarter for which data is available, September 2011, was $521,238.”

“The lack of financial assistance to first home buyers is an issue that requires considerable attention to ensure that property is affordable for young Australians and that they can one day aspire to own a home," REIA president Pamela Bennett said

Leanne Pilkington, Laing+Simmons general manager, had expected to see a similar result across her company’s 50 predominantly Sydney-metro based offices.

Instead, Laing+Simmons principals were reporting continuing interest from first home buyers, particularly in Sydney’s western suburbs.

This coincided with a report in Smart Property Investment, which included Western Sydney as one of the key hotspots in its recent Fast 50 report.

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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:

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To hear more about these services, make sure to tune into this episode of Property Showcase!

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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:

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Lessons from a falling market
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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