Using a self-managed super fund (SMSF) to buy property is becoming increasingly popular but the decision requires careful consideration.

There are significant advantages to having a property in an SMSF for example tax effectiveness: your super fund will be taxed at 15 per cent which is considerably lower than most people’s personal tax rates.

However, there are a few things to bear in mind if you … Read more »

To keep a grounded view of the market and ensure you don’t lose quality tenants, consider following some simple steps to maximise your rental returns.

One step is to regularly review your rents and ensure they are at market levels, while giving tenants ample prior notice of rental increases. This will assist you in keeping your tenants content living in your investment property.

Multiply the average rental yield of comparable properties in … Read more »

Before starting to look seriously at a property, most investors work out the yield on the property to see if it makes their shortlist. Although some investors buy property for other reasons – such as land banking, infrastructure potential or lifestyle reasons – most are mainly concerned with its current return and potential yield.

A yield is a measurement of future income on an investment. It is … Read more »

When you start thinking about selling your property, it’s common to consider renovating. Renovating to increase the value of your home can be tricky, and costly. You don’t want to overspend on things that won’t increase value, or under deliver in the areas and rooms that really matter.
Here are 10 easy renovation ideas that instantly increase your property’s value, including painting your interior and updating your patio.
Read the … Read more »

Equity offers investors a golden opportunity to leverage profits from one property into a deposit for a new purchase. As the value of your property increases, the equity you build becomes a resource to help you create long-term wealth and security through investment.

The amount of equity you have in your property is the difference between its market value and the amount of any mortgage finance secured against the property.

Read the … Read more »

The big four banks have increased home loan interest rates, and now most other lenders have followed their lead. So is now the time to refinance?

Gone are the days when people would get a home loan and stay with the same lender for the full 25 or 30-year loan term. In Australia, the average homeowner changes their loan every four to five years because people continually seek a better deal.

There … Read more »

Whether you’re a first home buyer or a seasoned property investor, it’s important to choose the right loan for your needs.

When choosing a variable-rate loan, remember that the right loan will offer a combination of flexibility and convenience as well as competitive rates and fees. Of course, everyone has different needs and specific financial goals.

Read the full article from realestate.com.au to find out more.

Speak to … Read more »

Investing in property is one of the best strategies for building wealth. While there is no definitive right and wrong approach, there are a few things you should consider before investing in a property to minimise risk and maximise your returns.

Infrastructure

Infrastructure such as roads, bridges, telecommunications, transport access, and amenities can impact on the value of a potential investment. A location with sound infrastructure is likely to offer more predictable … Read more »

Over the last four years the number of investment property loans in Australia has grown by 37% compared to an increase of only 4% in the number of owner occupied loans.

Check out the latest findings from the Roy Morgan Research Consumer Single Source survey of approximately 45,000 people per annum thanks to Announcer.

Investors

The survey reported that the 35 to 64 age group accounted for 78% of the … Read more »

Announcer considers the pros and cons.

I’m confused – my bank teller is telling me to transfer my savings onto my mortgage but you are encouraging me to leave the money in my offset account. Isn’t the end result the same? Why am I being told something different from the bank?

Great question!

Besides the obvious answer that the banks would prefer the security of having your savings paying off the money they … Read more »