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Property investment buying

 

Buying a property to rent out is becoming an increasingly popular method of investment in Australia.
With the exponential growth of property in the major cities, it seems like a smart way to spend your money. But there are issues you should be aware of.
Buying a property will most likely be the biggest purchase you make in your lifetime so it is certainly not one to be taken lightly.

Capital growth or cashflow – which is better?
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Capital growth or cashflow – which is better?

When it comes to property investment you’ll often hear two somewhat conflicting philosophies being bandied around. A common question beginning investors ask is – which is better? Cash flow investment strategy  Firstly there are the “Cash flow” followers; they suggest you should invest in property that has the capacity to generate high rental returns in…

Is housing really that unaffordable?
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Is housing really that unaffordable?

The price of property in our two major capital cities has everyone talking about something called “housing affordability“.  But before I weigh into this debate, it’s important we understand the difference between housing affordability and affordable housing.  According to experts, housing affordability applies to those who live in – or aspire to live in –…

Home Loan Pre-Approval – The property punter’s secret buying weapon
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Home Loan Pre-Approval – The property punter’s secret buying weapon

Shopping around for a property can be a daunting experience, particularly if you have any lingering questions around how much you can afford to spend.  However, you can overcome at least this one niggling concern by approaching the bank to obtain home loan pre-approval or pre-qualification. It’s important to note that both of these result…

Lenders Mortgage Insurance
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Lenders Mortgage Insurance

What is lenders Mortgage Insurance? LMI is an insurance policy which compensates lenders or investors for losses due to the default of a mortgage loan.  As required by Australian Banks, Borrowers’ who have less than 20% deposit of the property purchase price are charged LMI by finance lenders this is an extra cost over and above the standard fees and charges related…

Is it time to be fearful or greedy in property?
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Is it time to be fearful or greedy in property?

When master investor Warren Buffet said: “Be fearful when others are greedy and be greedy when others are fearful” was he encouraging the strategy of countercyclical investing? Today with all the mixed messages out there, some suggesting the property market has topped and values will fall, what should an investor do?   I’d like to give…

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