If you’re looking to build your investment portfolio, there’s not many options that can compare to investing in property. Property is considered one of the most stable investment choices on the market. So knowing how to buy investment property in Australia is crucial to building a successful portfolio.
At No1 Property Guide, we have extensive experience buying, building, and locating some of the best investment properties in Australia. CEO and Founder Darren Walters has more than 20 years’ experience in property and finance. And he has developed a knack for finding areas that will undergo strong growth.
Utilising Darren’s no or low deposit system, No1 Property Guide is able to help you build your property portfolio. Whether it’s through a Self Managed Super Fund, using the equity in your current home, or even rentvesting, we have an option to suit everyone.
Ready to know your investment property options? Fill in our simple pre-qualification form to begin. This allows us to discover your borrowing capacity through Darren’s no or low deposit system. From there one of our Investment Specialists will be in touch to discuss how No1 Property Guide can help you.
Probably the most well-known property investment method, utilising the equity in your home is a fantastic way to break into the investment market. Generally, equity in an existing property is the only option if you’re looking at utilising this method, but sometimes a commercial business or large asset can be enough.
First, you’ll need to know how much equity you have in your current home. This can be done through a simple home valuation. These are done by a trained professional and will give you and the banks a very realistic idea of what your current property is worth.
At No1 Property Guide, we work with a number of property valuers across the country, giving us quick access to accurate, reliable valuations that banks trust. Contact our New Home Specialists to discuss finding out what equity you have in your home with a valuation today.
Calculating how much equity you have in your home once you’ve received your valuation is simple. It’s basically just the value of your property, minus the outstanding debt. So, if your property is worth $500,00, and you owe $200,00. Then you have $300,000 in equity.
However, most lenders will only allow you to access around 80% of that, so you’ll actually have closer to around $240,000.
From here, our New Home Specialists will work with you to find out what all your factual investment options are. We’ll go over everything from the type of property, to the location, and even the colour scheme, so you can get an investment property that has strong potential returns.
We also work with experienced realtors who can assist you in managing your property, ensuring you always have tenants.
When it comes to the question of how to buy investment property in Australia, using equity might be your best shot. Complete our pre-qualification form to discover your factual investment options or contact our Investment Specialists to discuss your investment options today.
SMSF Property Investment
Not as well-known as equity, SMSF investing has become one of the most popular options for property investment here at No1 Property Guide. By utilising the Super sitting in your fund, you might be able to purchase an investment property that will help build your wealth towards retirement.
Property investment through SMSF is a little different to equity investment. As there are a number of conditions you’ll need to meet to be eligible. Not just being able to repay the loan.
For starters, SMSF investing is directed towards retirement. You won’t be able to live in or collect profits from the property until you retire. However, you can utilise traditional investment methods (like equity) to build your SMSFs portfolio. So you can enter retirement with the funds to live the lifestyle you want.
The biggest benefit of SMSF investment is the fact you control your Super and can invest the way you want. Rather than depending on your retail Super Fund to try and make a profit for you.
You May Like:
- Darren’s Top 6 Tips on How to Invest in Property in Australia
- Use a No Savings Home Loan to Get into Your Own Home
- What’s My Property Worth? – Accessing the Equity in Your Home
- What is My Borrowing Capacity?
In fact, more than 90% of the client Super Funds we’ve inspected have had losses over the past 12 months once you take out contributions and fees. That’s money that could’ve been going to building your investment portfolio!
SMSF property investment is generally something you’ll want an expert to help you with. Which is where No1 Property Guide’s Investment Specialists come in. Our team will be with you from the moment you fill out the pre-qualification form, right through to securing and building your investment property.
We have extensive experience in all aspects of SMSF. Including the setup, handling and management of the fund, as well as managing the property for maximum return.
The final investment option, that often flies under the radar, is Rentvesting. This is simply buying property to then rent out while you stay renting. This is a particularly good option if your borrowing capacity doesn’t allow you to buy where you’d prefer to live. But you don’t want to miss out on potential capital growth.
One thing you’ll need to consider with Rentvesting is whether you’ll be able to cover the mortgage repayments on top of paying your rent. Which can be an issue if you’re unable to find tenants for an extended period.
However, it’s a fantastic option for maintaining your current lifestyle without losing the opportunity to get onto the property market ASAP.
Understanding Your Options
Regardless of which investment strategy you go with, understanding your options is the first step. Without knowing your factual investment options, you might be wasting your time looking into one method when you could already be building your investment portfolio with another.
The best way to understand your options is to complete our pre-qualification form. This will allow us to determine your borrowing capacity as well as all your factual investment options.
The Investment Specialists at No1 Property Guide understand what it takes to start building a property portfolio. Whether it’s utilising the equity in your home, setting up an SMSF or even going over the benefits of positive gearing and negative gearing with you, our team is ready and on-hand to answer all your questions.
Ready to learn how to buy investment property in Australia? Then simply fill in our pre-qualification form or contact our Investment Specialists to get your investment journey underway today!
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