Video – A Smarter Way to LandBank
In this video, we look at a smarter way to LandBank. Why buy a vacant block of land when you can purchase something much better for your cash flow?
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Banks Ease Credit Rules?
Yesterday Westpac lowered the amount of deposit needed for investors to purchase a property. While they are not the only bank to offer a 90% loan to investors, it is a noticeable move from a big player. It also flies in the face of last year’s APRA ruling on banks loaning to investors. (You can…
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Video – 115 NMR Introduction
This Project will see us cutting the exiting house block into 3, leaving the original home on 1100m2 and creating two new blocks. On those we are constructing two dual key properties and all three properties will be sold.
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The Property Cycle
7 + 1 + 7 + 3.5 = Phil Anderson’s 18.5 year property clock These numbers used to mean 18.5 to me. Now thanks to a bloke named Phillip J Anderson, it is the number of years in a full property cycle. After GFC I went on the hunt for information. I am a bit…
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High Rents Equal High Growth?
High rent return can mean an undervalued property! I was chatting to someone recently about their next investment property purchase. They had success in local areas they knew very well and proceeded to ask me about one certain suburb they were looking to buy in once again. The comment made to me was, “The rents…
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Yield vs. Growth
When an investment property comes across my desk, my first question is always, “What about the yield”? It does not matter that the area is pegged for massive growth, if you cannot afford your repayments to keep the investment. However, it is just as irrelevant to suggest that a huge yield will ensure investment success.…
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When Chasing Rental Yield Backfires
If you know commercial property, you will know that the price is pegged to the rental return of the property. If your rent goes up, your property value goes up, and the opposite is true also. That is why most commercial property is left untenanted rather than renting it at a lower price. If the…
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The Real Cost of Holding Investment Property
When it comes to investment property most investors focus on either the purchase price or the rental return and forget other costs like the mortgage (loan), rates, management and insurance. There are more factors to consider when doing your due diligence and cash flow analysis on an intended property and one that is most often…
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APRA Targets Property Investors
This week as seen some major players in the banking sector tighten lending criteria for investors on the back of APRA expectations. The Australian Prudential Regulation Authority (APRA), is a government body who oversees banks, credit unions and other finance, super and insurance related industries. In their wisdom they have made the recommendation to limit…
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APRA Changes Rules for Investors
Past weeks have seen a media storm in our industry about APRA recommendations for lenders to change policies for investors. APRA rule changes impact investors The premise behind it is from regulators looking to restrict the amount of lending to investors and promote / allow lending for owner occupiers. What really happened was that APRA…
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