September 8, 2022
In many ways, getting the most from your property portfolio is really a matter of good administration. This is particularly true when it comes to tracking your finances, which can directly impact the returns you receive.
But keeping across all your incomings and outgoings takes work, especially if you own multiple investment properties.
This begs a few important questions – like, which numbers do you really need to record? How much detail do you need to go into? And what are the best ways to keep track of this information?
August 30, 2022
Debt is a bit of a complex topic for property investors. We need it to fund further purchases, grow our portfolios, and can even use it to reduce our tax bills. However, it can also eat into our returns, negate our gains, and even drive us to sell off assets. Based on this, many investors view debt as a “necessary evil” – something that should be used sparingly and managed conservatively. While this approach should help minimise the risks associated with taking on debt, it can actually inhibit portfolio growth. It also overlooks that not all debt is created equal, and that some debt is actually good debt.
August 24, 2022
Right now, the property market probably seems even more unpredictable than usual. With interest rates increasing and prices falling in many areas, it is hard to know what move to make next. This is understandably causing anxiety for many investors, who are afraid of costing themselves dearly by making the wrong call.
August 12, 2022
The national median dwelling value has fallen for the third consecutive month, with property prices down 1.3% over July. Worryingly, this downswing seems to be gaining speed with more markets moving into negative territory and larger drops being recorded.
August 8, 2022
If you are like most investors, your borrowing capacity will have a major impact on the growth of your portfolio. Your budget for each purchase will usually be highly dependent on how much money you can access. And your ability to take out further loans will dictate whether you can buy further investment properties.
But no matter how successful of an investor you are, there is a limit to how much you can borrow. So, what happens when you have reached your capacity and cannot borrow more? How do you keep your investment growing and continue making progress toward your goals?
July 28, 2022
As a property investor, equity is the key to your long term success. It reflects the increasing value of your portfolio and will make up a significant proportion of your returns. It can also help fund further growth of your portfolio, either through renovating your existing properties or buying new ones.
But exactly how do you use your existing equity to boost your portfolio growth? And how do you make sure you are getting the best possible return from this reinvestment?
July 20, 2022
With another financial year now behind us, it is time to start thinking about doing your taxes. While this is not something anyone particularly enjoys, it can be especially difficult – and confusing – for property investors. With additional assets, income sources, and deductions to declare, investors’ returns tend to be a lot more detailed.
This is why we always recommend you engage a qualified and experienced accountant to look after your taxes. They will do all the hard work for you and guide you through collating all the information you need. They should also be able to suggest ways to minimise your obligations and bring down your annual tax bill.
July 13, 2022
As every successful property investor knows, a balanced portfolio is a strong portfolio – and the key to balance is diversity. By actively targeting a variety of investment opportunities, you make your returns less dependent on the movements of individual markets. You also increase your ability to achieve consistent growth by capitalising on the strength of different market segments.
But what are the best ways to increase the diversity and improve the balance of your portfolio? Here we look at the three main approaches adopted by many of Australia’s most experienced investors.
July 12, 2022
The downward trend in property prices is continuing, with the national median dwelling value
dropping 0.6% in June. Importantly, this decrease has also pushed quarterly growth figures into
negative territory, with national dwelling values down 0.2% since March.
As in previous months, this is mostly being driven by declines in Sydney and Melbourne. Both
markets slowed further over June, with median prices down 1.6% and 1.1% (respectively) for the
month.
July 6, 2022
Many areas have experienced a property boom since the start of the global pandemic. But while most markets have started to cool, Queensland continues to power on, delivering fairly consistent growth. The state’s population also continues to swell, with some predicting it will hit 6 million by 2027.
Here we take a closer look at the Sunshine State’s current property boom and exactly what is driving it. We also look ahead and try to predict how long the good times are likely to last. And, most importantly, we will consider what this means for property investors and the moves you should be making.