First Time Property Investors - Part 1: Navigating Finance
Release Date: 08/19/2024
Talk Property To Me Podcast
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Top 6 Newcastle Suburbs to INVEST in 2025 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie uncover the top-performing suburbs in Newcastle that investors and homebuyers should keep an eye on for 2025. Whether you’re after capital growth, infrastructure investment, or long-term rental yield, this episode delivers data-backed insights to help you make smart property decisions. 👉 Subscribe to the channel for weekly real estate insights: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w We deep dive into 6 high-potential suburbs—Adamstown Heights, Charlestown,...
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Buying your first home in Australia? Chances are, you're making at least one of these costly mistakes — and it could be the difference between getting approved or getting rejected, overpaying or negotiating like a pro. ...
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In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the potential impact of Australia’s upcoming federal election on the housing market, lending conditions, and investor confidence. From proposed tax reforms to housing affordability policies, they explore what a change in government—or a mandate to stay the course—could mean for everyday buyers, sellers, and property investors. 🔍 What You’ll Learn: ✅ Key election policies that could reshape the real estate landscape ✅ How political uncertainty affects buyer behavior and market sentiment ✅ What...
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In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest rental market trends in Australia for 2025. With rental prices dropping in key areas across Sydney, Brisbane, and Melbourne, what does this mean for renters and landlords? We analyze the PropTrack report from September 2024, which reveals that many Local Government Areas (LGAs) in Sydney are now seeing renters paying below advertised rents. Suburbs like Woollahra, North Balgowlah, and McLeod (Melbourne) have experienced significant rent declines, while Brisbane’s rental prices have dropped by 5-7%....
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Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive deep into the impact of recent RBA rate cuts on your borrowing capacity and mortgage repayments. We kick things off by discussing the common sentiment we've heard from potential buyers: "I'm going to wait for rates to go down before I make a purchase." We aim to break down this mindset and illustrate the opportunity cost of waiting in the current market. To provide context, we present a simple case study featuring a couple with no children, each...
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In this episode of "Talk Property," hosts Brad East and Aaron Downie welcome Emily Wallace, a seasoned buyers' agent based in Melbourne, to discuss the dynamic property market in the city. With a focus on the current trends, challenges, and opportunities, Emily shares her insights on the Melbourne real estate landscape, particularly for first-time home buyers and investors. Key Highlights: Introduction to Emily Wallace: Emily introduces herself as the director of a buyers' agency in Melbourne, where she assists first-time buyers and families in navigating the property market. She emphasizes...
info_outlineWelcome back to another episode of Talk Property to Me! In this episode, my co-host Aaron Downey and I dive into the world of first-time property investors in Australia, focusing specifically on the finance aspect. This episode is part one of a two-part series, with the next episode delving into the property side of things.
We kick off the episode by discussing the crucial question of how much deposit is needed for first-time property investors. We explore the concept of lenders mortgage insurance (LMI) and its impact on deposit requirements. We also touch on the option of using a guarantor to increase the deposit amount and avoid LMI.
Moving on, we delve into government schemes available for first-time homebuyers in Australia, particularly in New South Wales. We highlight schemes like the first home loan deposit scheme and stamp duty exemptions, emphasising the eligibility criteria and benefits for first-time buyers.
Next, we shift our focus to understanding how banks assess borrowing capacity for potential property investors. We break down the calculation process, including net income, living expenses, and loan repayments. We stress the importance of managing existing debts like credit cards to improve borrowing capacity.
In a thought-provoking segment, we discuss the strategy of rent vesting for individuals who cannot afford to buy property in their desired location. We explore the concept of investing in more affordable markets while renting in a preferred area, highlighting the potential benefits and considerations for this strategy.
Wrapping up the episode, we touch on the significance of financial discipline and strategic planning for aspiring property investors. We emphasise the need to assess individual financial situations, explore alternative options, and make informed decisions to achieve property ownership goals.
Join us next week for part two of our series, where we will delve into the property side of first-time property investment in Australia. Stay tuned for more insights, tips, and advice on navigating the property market as a first-time investor.
Thank you for tuning in to Talk Property to Me! Remember to connect with us on our social media platforms and reach out with any questions or topics you'd like us to cover in future episodes. See you next time!
00:00:02 - Introduction to Finance Tips for First Time Property Investors
00:02:12 - Explanation of Lenders Mortgage Insurance (LMI)
00:03:29 - Tips for Saving a Deposit
00:08:55 - Overview of Government Schemes for First Home Buyers
00:11:30 - How Banks Assess Borrowing Capacity
00:16:13 - Impact of Credit Cards on Borrowing Capacity
00:18:49 - Considerations Before Buying Property When Planning for Kids
00:21:47 - Introduction to Rent Vesting Strategy
00:25:25 - Conclusion and Preview of Part Two
ABOUT THE HOST
BRAD EAST
Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved.
Website → https://wisebuygroup.com.au
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