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Archive for August 2017

Four ways to benefit from property investment

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With interest rates at such a low, sticking your money into a savings account isn’t reaping the rewards it used to. Even the long-term savings accounts aren’t offering great returns.

So where do you invest? Shares? These can be difficult to understand and in a volatile market, they can be unpredictable. This is why many people look to property to make their hard earned cash work for them.

Investing in property does have benefits. For starters, it’s relatively easy to understand.  Here are four more ways you can benefit from investing in property.

Earn an income

Imagine having an income without having to do too much work. Yes, you will have to put the work in initially with researching the market and finding a property. And yes, you’ll have to work out financing and doing some sums to ensure the rent more than covers the ongoing costs, such as strata fees and council rates.

But, once you have a good property manager who’ll find you a good tenant, you’ll have a monthly sum of money coming into your account.

Help for retirement planning

Diversity is a good rule of thumb when planning for your retirement. Everyone has to have a superfund these days and there are some great additional retirement plans out there. Investing in property can be a savvy move when it comes to planning for later life – and in some cases, it may enable you to retire early, or at least work part time.

Have a chat with a financial adviser to discuss how investing in property can be a part of your retirement portfolio.

Capital growth

Generally property does increase in value over a number of years. Known as capital growth, savvy property investors take advantage of this in a couple of ways:

  1. Sell the property and use the lump sum for other investment strategies or personal purposes.
  2. Use as equity for another loan to buy another property, be it another investment property or their dream home.

Tax Benefits

There are a lot of tax deductible benefits when it comes to property investment. Management fees, interest on the loan borrowed to finance the property, strata fees and some maintenance can all be used to offset any income earned through rent.

Plus, if you’ve negatively geared your property, you’re effectively saving because you’re reducing the amount of tax you may have to pay on other incomes.

Investing in property is a long-term investment opportunity but you do need to make sure you’re properly informed of all the options for your situation by speaking to a financial advisor.

Want to know more about how property management and investment works? Our knowledgeable and experienced team would love to help.

With over 40 years of business in the area, we are one of Newcastle’s longest established real estate offices, so give us a call on 4954 8833 or pop into our Cardiff office for a chat.

For more investor and property management tips check out our Facebook page: Property.

Archive for August 2017

Why your home is an investment and an asset

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You have to live somewhere, and unless you are very lucky and get given a place to live for free, the chances are you will either have to pay rent or pay off a mortgage.

We believe owning a property and paying off your mortgage is better in the long-term than paying rent to pay off someone else’s asset. All too often we hear the phrase “but I live in my house so it can’t be an asset”, however it is.

Here are some of the reasons why.

You’ll own something

Providing you keep up with the mortgage payments, you will own the property at the end of the loan period. Once the loan period is finished, money you had been paying into the mortgage is then free to be spent on other things. Furthermore, should you need to move after you’ve paid off the loan, you can either sell your house and have money in your back pocket, or rent it out and have an income.

Selling the property

There will come a point in time when you have to sell the property. You could be downsizing, upsizing, or simply moving interstate. There are lots of reasons why people need to move.

Property usually increases in value over a number of years, so in most cases you will be able to sell your home for more than you paid for it. You have just made some money.

But here’s the great bit. The Australian Tax Office says “Generally, you don’t pay capital gains tax if you sell the home you live in (under the main residence exemption)”. This means all the profit from the sale of the house, minus selling expenses, will go straight into your pocket.

And remember for every renovation and improvement you make on the property, you will be increasing its value.

For those who like a renovation project, buying a run-down property, living in it and improving it, then later selling it, is how they make money (this is provided the profit is more than the cost of the renovations). Depending on their financial goals, they may use that money to buy another property to live in, renovate and sell, or buy the house of their dreams.

However, you don’t have to be a DIY expert to make a good profit on your home. Savvy homebuyers are now looking at buying and living in up and coming locations. They are hoping a property there may increase in value more than property in other locations.

Borrowing against the equity

As house prices rise and you continue paying off a mortgage, you could find yourself in a position where you can borrow against the equity in your house. This may be to purchase another property, or simply to have a bit of extra cash for a holiday or car. Some people have increased their mortgage to pay off credit card debts or other loans as the interest on a mortgage is often less than the interest on the credit card or loan.

Talk to a financial specialist to see how it can work for you.

While you do have to wait a few years to reap the rewards of owning your own home, there’s ways in which you can make it work for you.

If you’re thinking of selling your property, or even just want an appraisal, come and talk to us. We are one of Newcastle’s longest established real estate offices and our innovative team is constantly achieving great results for our clients.

Drop into the Cardiff office or give us a call on 02 4954 8833. Or send us an email to: – we’d love to hear from you.

And don’t forget to check out our Facebook page for handy tips on selling your property or what to look for when buying a property.

Archive for August 2017

Five ‘don’t dos’ when selling your house

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We all hear about what you need to do when selling your house, but what about things you should definitely not do?

Here are five of the ‘don’t dos’ when selling your house:

Don’t get emotional

It is a big thing letting go emotionally; you’ve worked hard and spent money to get your home exactly the way you want it, and you may well have lived in the house for several years. You absolutely love it and you’ve loved living in it, but you’re selling for a reason so you need to detach the emotions and look at the property from a potential buyer’s point of view.

Your unique style of decorating may not be to everyone’s taste so you may need to change it to something more neutral, and don’t turn down a brilliant offer just because the people are planning on pulling down the shed your grandfather helped you build.

Don’t spend too much on renovations

While you want to make your property look good, you need to weigh up how much you’re spending with how much it will increase the value of the property. For instance, if putting in a new bathroom will cost you $15,000, but it will only realistically increase the property price by $10,000, it may be worth looking at other, cheaper options to improve the room, such as spraying the tiles or changing the taps.

Don’t use bad photographs

They say a picture tells a thousand words, and in this digital age, good quality photographs taken by a professional photographer can make all the difference between getting people through the door to look at your property. Out of focus, poorly lit and crooked pictures will most likely do the exact opposite.

Don’t overprice the property

If your property is priced too high, it won’t sell so be realistic with your price expectations. Look at how much similar properties in your area are going for and talk to real estate specialists to get a feel for the market. While everyone hopes their property is worth more, it boils down to what the market is prepared to pay at that time. If your type of property is in high demand, you may be able to ask more, but if your property isn’t in good condition and the market is slow, you may need to lower your expectations.

Don’t put your life on show

Even though you want to make your property as welcoming and as homely as possible, you also want people to imagine the place as their own home. Remove the family pictures and mementos and make sure the place is clear of toys and clutter.

Want to find out ways to make your property look good? Simply text the word ‘PROFIT’ to 0416 906 799 and we will send you a link to our FREE booklet, 101 ways to maintain and prepare your home for profit.

It’s packed full of tips and ideas to help you prepare your property for sale, and together with our experienced team, we can help you get the best price for your property.

If you’re thinking of selling your property, or even just want an appraisal, come and talk to us. We are one of Newcastle’s longest established real estate offices and our innovative team is constantly achieving great results for our clients.

Drop into the Cardiff office or give us a call on 02 4954 8833. Or send us an email to: – we’d love to hear from you.

And don’t forget to check out our Facebook page for handy tips on selling your property or what to look for when buying a property.


Archive for August 2017

Ways to research the market

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Investing in property is a long-term commitment and you do want to know you’ve got it right. A good starting point is speaking to trusted friends or colleagues who have already gone through the process.

You can also look online. Independent property websites and magazines such as Your Investment Property magazine and Australian Property Investment have unbiased articles, webinars and podcasts explaining the process and different property investment strategies.

There are also companies offering free property investment seminars you can physically attend. However, while seminars and webinars run by developers and other companies can be good starting points, you may find they are trying to sell you something, so be very wary of signing anything and parting with money at these events.

The ‘investing in property’ section on the Government Money Smart website also has good independent advice on investing in property. In addition, it explains the warning signs to help you recognise dodgy investment seminars and how to avoid being ripped off.

Knowing where to buy

Access to local amenities, entertainment and public transport are some of the main points to consider when looking at areas of where to buy. Physically visiting a location at different times of the day will give you a genuine feel for the area and what is around, but it’s advisable to do a few more background checks.

  • New developments

Check some of the local government websites. Many of these not only have details about council plans, developments and local building regulations but they will have profiles of the local communities. This can give you an indication on whether the area is on the rise; if it is property prices may be likely to grow because the area is becoming a desirable area to live in.

  • Demographics

This will also help you in deciding on the type of property you need to consider. For instance, if the area includes a university, then there is likely to be a higher proportion of students looking for accommodation and you may want to look at something suited to students. If it is an older demographic, it might be advisable to look at ground floor units with easy access.

  • Vacancy rates

Vacancy rates give an indication of what the demand for rental property is for an area. If the vacancy rates are high, there is little demand for rental property. The ideal situation for a property investor is to buy into an area with low vacancy rates, meaning there is a demand for rental property. Vacancy rates for an area can be found on websites such as Australian Property Monitors (APM).

  • Property value trends

Finding out what the property trends are for an area will also give you an indication of whether an area is performing well or not. Websites such as RP Data or APM will give reports on property values in an area.

We’ve been helping people realise their financial dreams through property for over 40 years. If you’d like to know more about investing in property and our property management services, our talented and experienced team would love to share its knowledge with you.

We are one of Newcastle’s longest established real estate offices, so give us a call on 02 4954 8833, send us an email to or pop into our Cardiff office for a chat or check out our Facebook page.