Reviewing your investment property's finances

Our experts discuss how to get the most out of your investment property. Hear about how you can use your home equity to not only leverage the purchase of another investment property through an equity home loan, but how you can use equity to increase the value of your home with renovations.

The Presenters:

  • Veronica Morgan - Principal of Good Deeds Property Buyers and Co-host of Location Location Location Australia
  • James Treble - Television Presenter and co-founder - Interior Design for Profit
  • Joanna Pretty - General Manager State Custodians Home Loans
    1. Veronica Morgan - Principal of Good Deeds Property Buyers and Co-host of Location Location Location Australia
      You know I find it really interesting I meet so many people who buy investments or have them. So I ask them - how well have you done in property – they say oh I’ve done really well. How well? How do you know? They don’t actually know - they don’t get their properties revalued properly they don’t check how they are performing. I think from our point of view the easiest thing is to go out and have a look at how much money they have made. It’s such an easy process.

    1. Veronica Morgan - Principal of Good Deeds Property Buyers and Co-host of Location Location Location Australia
      You know I find it really interesting I meet so many people who buy investments or have them. So I ask them - how well have you done in property – they say oh I’ve done really well. How well? How do you know? They don’t actually know - they don’t get their properties revalued properly they don’t check how they are performing. I think from our point of view the easiest thing is to go out and have a look at how much money they have made. It’s such an easy process.

    2. James Treble - Television Presenter and co-founder - Interior Design for Profit
      I think it’s also about people maximising their property value which can be done with clever styling and making it easy for the valuer or anyone else looking at the property to understand the assets of the property. It’s about clearly defining space, making that third bedroom look like a daybed and a desk to be a study bedroom. Or looking out to that beautiful alfresco that is like a seating area, which is like a second living area, which is value adding to the property.

    3. Veronica Morgan - Principal of Good Deeds Property Buyers and Co-host of Location Location Location Australia
      It’s interesting – the idea of making a property increase in value. At the end of the day the reason why you buy property is either to live in it or use it as an asset. People don’t realise that other options are available to you. If your property goes up in value - you talked about it Jo - there are better rates available so you can refinance. It’s not even about borrowing again to do it again to buy again, it’s often about putting yourself in a better cashflow position.

    4. Joanna Pretty – General Manager State Custodians Home Loans
      The key to success is just planning. You may start off investing in something and you may end up living in it. Or for the property you’re living in you may decide to have it as an investment property at a particular point. I think that the key is flexibility and being armed with information. The whole idea behind a mortgage is that it’s supposed to really suit you.

      All these things are driven by interest rates if you talk about how much you pay every month. In reality, you want to match it your circumstances. So you want to be able to make extra repayments, or you might want to draw down at some point. So there is an element that you need to look at it in terms of flexibility. That’s sometimes more important for people than interest rates.

    5. Veronica Morgan - Principal of Good Deeds Property Buyers and Co-host of Location Location Location Australia
      What are some of the things you find that people are doing?

    6. Joanna Pretty – General Manager State Custodians Home Loans
      The flexibility appeals as the equity can be used in a number of ways. The sensible people will often channel it into improving the value of their existing home. A lot of people are increasingly using the equity as they have done well in places where they have bought their home, their family home. And now they’re trying out an investment property there. Now is the time to do that and it works brilliantly. So really once again it’s about the idea of having a plan and applying that flexibility to what your circumstances are.

    7. James Treble - Television Presenter and co-founder - Interior Design for Profit
      Taking out that equity and putting a new kitchen in, that’s giving flexibility to the home you’re living in but also adding value to your assets. It’s a very clever way to invest in your own property while properties are going up or down. It’s clever to change how you live in a home say the bathroom or kitchen - you can even do a coat of paint which can transform a home.

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