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拼气质更拼实力——澳洲城市称霸今年世界各大排行榜!

澳大利亚一向以舒适的生活环境、稳定的经济条件和完善的国民福利著称。澳洲城市屡屡称霸世界各大排行榜,在国际上享有盛名!

今年,澳洲城市又获得了哪些国际奖项呢?我们一起来回顾一下吧!

全球最佳求学城市No.2…

12月1日,英国高等教育及升学就业组织QS公司发表了2016年全球最佳求学城市排名。

QS公司根据大学排名、生活负担性、学生结构、城市优点和雇主活跃度这五项因素选出了全球最佳75个求学城市

在这份榜单里,墨尔本排名全球第2,悉尼排名第4,都保持了去年的好成绩。澳洲共有7个城市入围,成绩分别为:

2016年全球最佳求学城市

排名 城市
第2名 墨尔本
第4名 悉尼
第17名 堪培拉
第18名 布里斯班
第26名 阿德莱德
第35名 珀斯
第69名 黄金海岸

数据来源: QS公司

澳洲大学拥有一流的科研人才、庞大的学术资源和丰硕的研究成果,对澳洲和全球政治、经济等各项领域都有卓越贡献和深远影响,曾培育出多名诺贝尔奖得主,深受全世界留学生的青睐。

与澳洲城市相比,中国的香港、上海和北京分别列为第8,第39和第25名,也取得了不错的成绩。

澳洲八大名校

全球最高声誉城市No.1…

今年10月,总部位于波士顿的全球咨询公司声誉研究所公布了2015年全球百城声誉排行榜。

声誉研究所对G8国家的1.9万人开展了网络民意调查,根据经济、环境吸引力和政府管理效率这三大评比项目对全球101个国家进行了排名,选出了G8国家民众最愿意到访、工作和投资的城市。

这份榜单的冠军与亚军花落悉尼和墨尔本,澳洲共有6个地区进入了全球50强,分别是:

2015年全球最高声誉城市

排名 城市
第1名 悉尼
第2名 墨尔本
第36名 珀斯
第40名 黄金海岸
第44名 阿德莱德
第46名 布里斯班

数据来源: 声誉研究所

排行榜中声誉越高的城市越受国际游客、外国投资者和专业人才的欢迎。自该榜设立5年来,悉尼每年跻身榜单前3名。

香港、上海和北京的排名分别是第48,第71和第85名。

悉尼

全球最友好城市No.1…

今年8月,美国高端旅游杂志《Condé NastTraveler》对近7.7万读者进行了年度调查,评选出了全球最友好和最不友好城市排行榜。

悉尼被国际读者选为2015年对游客最友好的世界城市,称这里“没有令人不喜欢的东西”。人们还声称,游览悉尼海港及攀爬海港大桥是旅程中最令人兴奋的活动。

海港大桥

全球最宜居城市No.1…

(经济学人智库版)

今年8月,经济学人智库公布了最新的全球宜居城市排行榜。

经济学人智库依据社会稳定性、医疗保健、文化和环境、教育、基础设施这五大指标对全球140个城市进行了比较和打分。

在这份榜单中,墨尔本连续第5年被评选为最适合人类居住的城市,澳洲共有5个城市列入全球最宜居城市排行榜前20名。

2015年全球最宜居城市(经济学人智库版)

排名 城市
第1名 墨尔本
第5名 阿德莱德
第7名 悉尼
第8名 珀斯
第18名 布里斯班

数据来源: 经济学人智库

经济学人智库的调查发现,排名较前的城市多数为中等城市,人口密度相对较低。纽约、伦敦、巴黎、东京这样的金融中心虽然很成功,但基础设施不堪重负、犯罪率较高,所以排名靠后。

而澳洲城市拥有良好的基础设施建设、完善的保健体系和非常低的谋杀率,因此取得了很好的成绩。

香港、北京和上海的排名分别是第46,第69和第78名。

澳洲城市

全球生活质量最高城市No.4…

今年6月,英國知名生活時尚雜誌《Monocle》公布了2015年全球城市生活质量调查排行榜。

《Monocle》杂志针对22个项目进行评比,包括城市生活质量、国际航线数量、公共图书馆数量、市民自由度、城市中三卧室住房的价格、咖啡、葡萄酒与一份像样午餐的价格,以及户外活动的便捷性等。

墨尔本和悉尼分别跻身排行榜的第4和第5名。墨尔本的艺术、食物、咖啡、设计、建筑、剧院、音乐和体育被视为“生活中的好东西”,悉尼“冬天长时间的日照”被广泛看好,并被认为是“周末的好去处”。

2015年全球生活质量最高城市

排名 城市
第1名 东京
第2名 维也纳
第3名 柏林
第4名 墨尔本
第5名 悉尼

数据来源: 《Monocle》杂志

全球最宜居城市No.2…

(ECA International版)

今年1月,人力资源管理顾问机构ECA International也公布了他们最新的全球最宜居城市排行榜。

ECA针对全球超过450个地区分析了一系列的生活环境因素,包括气候、医疗服务、住房及公用事业、隔离程度、社交网络与娱乐设备、基础建设、个人安全、政治气氛以及空气质量等。

在这份榜单中,澳洲可以说是大获全胜,有6个澳洲城市跻身前15名,分别为:

2015年全球最宜居城市(ECA版)

排名 城市
第2名 阿德莱德和悉尼
第5名 布里斯班
第7名 堪培拉
第10名 珀斯
第11名 墨尔本

数据来源: ECA International

香港、上海和北京的排名分别是第33,第110和第122名。

全球最安全城市No.6…

今年1月,全球著名刊物《经济学人》发布了最新的2015年安全城市指数排名。

《经济学人》对全球五大洲的50座城市展开调查,从健康安全、基础设施安全、人身安全以及数字安全这四大指标出发进行了综合评估考察。

全球最安全城市

悉尼和墨尔本从入选的50座城市中脱颖而出,成为全球安全城市第6名和第9名,超过了纽约、香港、旧金山、伦敦等国际大都市。

香港、上海和北京的排名分别为第11,第30和第37名。

Winner

亚太集团致力于帮助投资者在全澳五大首府城市(悉尼、墨尔本、布里斯班、珀斯、阿德莱德)进行房产战略布局,提供VIP房产投资机会。请马上与我们的投资顾问联系或致电您当地的亚太集团分公司咨询详情!

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带“毛爷爷”走遍天涯——全球化资产配置是大势所趋!

人民币“入篮”,全球资产配置更方便

11月30日,国际货币基金组织决定将人民币纳入特别提款权(SDR)货币篮子,人民币将于明年10月1日正式加入SDR,成为全球五大储备货币之一,权重仅次于美元和欧元,超越日元和英镑,成为世界第三大货

交通银行首席经济学家连平表示,随着人民币加入SDR,越来越多的国家将认可并愿意接收人民币,用人民币来广泛开展各种交易。

可想而知,中国人未来出国购物和旅游都会更加方便,可以直接使用人民币,降低汇兑成本并避免汇率风险,还可以更方便地在全球进行资产配置和交易,投资海外房产、股票和债券等资产。

中国中产阶级人口已达全球之冠

改革开放30多年来,中国经济经历了令世界瞩目的高速发展,民间财富也呈现了爆发式的增长。

财富信息机构Wealth-X和瑞银集团公布的《2014年亿万富豪人口调查》显示,全球共有2325名亿万富豪,其中190位来自中国内地,人数仅次于美国。

瑞士信贷集团的《2015年全球财富报告》显示,2000至2015年期间,中国财富增幅高达5倍。2015年中国家庭财富总值仅次于美国,成为全球第二富裕国家中国中产阶级人口已经位居全球之冠,达到1.09亿人,超过美国的9200万人。

资产全球化配置是未来大趋势

伴随着人民币的国际化进程,资产全球化配置将是未来的大趋势。虽然中国家庭的财富在快速增长,但是从海外配置比例上来看,国人却还刚刚起步。

据《财富》杂志报道,全球高净值人群将24%的财富总量投向了海外资产,而中国高净值人群(资产净值在100万美元以上)却只有5%的财富投向海外。

中国高净值人群的财富规划及投资意识正在日益增强,越来越多的人认识到,为了实现财富的保值增值,将全部资产放在单一国家或单边市场是有风险的

同时,由于国内经济市场的不确定性在增加(经济加速转型、GDP回落、人民币持续贬值、股市波澜起伏、楼市前景难以把握……),越来越多的高净值人群考虑进行海外资产配置,以求获得更稳健的投资收益。    

移民也带动海外资产配置

高净值客户进行海外资产配置,除了财产安全和财富传承的考虑以外,很多人也是为了子女的海外教育或者家庭的移民计划。

根据中国与全球化智库《2015年中国国际移民报告》的统计,目前世界各地华侨华人总数约为6千万人,中国国际移民群体已经成为世界上最大的海外移民群体。中国移民的主要目的地为美国、加拿大、澳大利亚、韩国、日本和新加坡等国。

例如,中国已经成为美国永久居留移民第二大来源国,加拿大永久居民最大来源国之一,澳大利亚除技术移民外其他各移民类别的最大来源国,以及英国第一大移民来源国。

中国与全球化智库的研究表明,中国的投资移民带动了对外直接投资。他们通常“移民不移居”,事业依然主要在国内,同时使用移民身份经营跨国业务,客观上促进了中国经贸的国际化。

中国投资者尤其青睐房产

数据显示,中国投资者的房产配置比例非常高,超过60%,而发达国家投资者的房产配置比例则低于10%,过去两年都在5%至8%之间。

胡润富豪榜报告显示,中国高净值人群已有1/3购买了海外房产。英国《金融时报》今年7月的调查显示,中国60%以上的富人声称计划在未来两年增持海外资产,其中住宅房产最受欢迎。

金融危机后,很多国家的投资门槛正在降低,使得投资海外市场变得越来越容易。

根据居外网的估计,2014年中国买家在海外的住宅房产投资了520亿美元,2015年还有继续上升的趋势。中国香港、美国、加拿大、澳大利亚和欧洲的英国、西班牙、葡萄牙,都是中国大陆买家的青睐之地。

政府开放海外投资管制

在中国人海外购房和投资的热潮中,中国政府隐形的政策之手起到了重要的作用。

近几年,中国政府逐步开放海外投资管制。2007年,外汇管理局将个人年度换汇额度从2万美元大幅提至5万美元。今年,中国政府决定进一步放开资本市场,开展合格境内个人投资者计划(QDII2),鼓励境内居民资产配置全球化。

QDII2计划首批试点的城市有6个,分别为上海、天津、重庆、武汉、深圳和温州。符合条件的个人投资者将不再受5万美元的年度换汇限制,换汇不再有上限

可见,随着中国经济和金融改革的不断深入,中国投资者进入全球资产配置时代必将是大势所趋!


抓住良机,马上与我们的投资顾问联系或致电您当地的亚太集团分公司咨询详情。

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Tips For Buying An Off The Plan Investment Property

Buying an off the plan property can be a great way for first time investors to get into the real estate market, as well as a fantastic way for existing property investors to build a portfolio for the future. There are so many advantages to considering an off the plan apartment rather than an existing property, however there are a number of factors you need to keep in mind before embarking on such a course of action. Getting timely, professional advice from property experts is a critical component to making the right strategic decisions and avoiding the mistakes that first time investors often find themselves making.

Property experts suggest that there are a number of tips that first time investors should consider when considering purchasing a property. These include:

Be organised about your finances. This means doing your homework in terms of your current financial position and outlook, your borrowing and repayment capacity as well reviewing the different loans from banks and other lenders. When you go to meetings with property investment companies or developers take any relevant financial material along with you so that you will be as prepared as possible.

Conduct research. Becoming an investor, or building an existing property portfolio is not simply a matter of turning up, handing over your deposit and signing on a dotted line. Being a fully informed investor means conducting research and exploring issues such as the type of property you wish to purchase, different suburbs (or cities) that are currently offering value for money and capital growth, and associated vacancy rates and demographics. Once you narrow your search to a few suitable areas, also consider factors such as transport links, shopping and schools. It is also important to do research into any developers that you may be interested in, including the track record and quality of past developments, and relationships between the developer, builder and sales agent. Many good property investment companies such as Ironfish can help point you in the right direction and give you the benefit of years of property investment experience.

Study the contract terms carefully. If you have chosen a developer’s project than the next step is to look at any contract of sale and get professional independent legal advice. Buying an off the plan property will involve a number of terms and concepts that you need to be aware of, including time frames surrounding completion of the project and what are known as “sunset clauses” which may allow buyers and developers to walk away from an original agreement at no cost if the development time runs over the planned schedule. As with all investments, there are a number of risk factors associated with buying an off the plan property including projects not being built and the finished property being different to what you expected. In these cases it is important to understand the original contract and your options.

Buying an off the plan property as an investment can be very exciting, but it can also be a little overwhelming without prior experience or without professional advice and support. One of the best property investment tips is to find a reputable and professional investment company that can give you timely information and take you through the process step by step.

Avoiding Common Mistakes When Investing In Property

People don’t often become investors in property with a plan to lose money, but unfortunately that is a more common occurrence than you might think. Experts suggest that there are a number of common mistakes that particularly first time investors make which can easily be avoided with a little forethought and good advice.

Property experts suggest that one of the biggest mistakes property investors can make is not carrying out proper due diligence on their potential purchases. This can mean not having the necessary checks completed – including a reliable valuation – which can mean that you end up paying too much for an existing property and put yourself behind from the very beginning. If, on the other hand, you are looking at off the plan property to invest in, a good plan is to do your homework and talk to the developers as well as property management experts. By the time you come to buy an off the plan property, you should know the potential value of your property once it is completed, as well as other valuable information such as the potential rental income you might make.

Another costly mistake can be not having a strategic plan in place before you become a property investor or before you think of building your property portfolio. Having a written plan – which includes your goals over the next 3 to 5 years – will help you to keep on track when you’re uncertain or to change your tactics if something unexpected crops up. If you’re buying off the plan property, your investment strategy should also include your strategy for when the property is completed, or even if you plan to sell your property share to another investor before its completion date.

One mistake that first time property investors make more than all the rest is what we’ll call “emotional purchasing”. This means that, despite their best intentions, they will see and fall in love with a property and buy it. This might happen even if the potential capital growth or income from the property does not seem to be ideal, or the property needs substantial renovation. Even if the first time buyers are cool-headed and believe that they are buying a sensible property, they may end up worse off over the long-run because of the ongoing maintenance and repair bills they are likely to be paying well into the future.

One of the best property investment strategies as a first time investor is to avoid the issues associated with existing houses, townhouses and apartments, and look instead at brand new off the plan properties. Doing due diligence on off the plan property means looking at a range of factors including viewing the building plans (and, if possible, viewing a display apartment), design options, looking at the developer’s past builds and reviewing their contractual terms. Off the plan property professionals such as Ironfish provide guidance and help with the type of appropriate due diligence needed for buying new property as well as other practical matters such as choosing the right property in the right suburb that will most likely give you the returns and capital growth you are looking for.

A Guide To Negative Gearing For Property Investors

If you’re looking into property investment for the first time you’ll probably come across the concept of negative gearing. While it can seem complex to begin with, with the right advice and with the right property negative gearing can be a very effective tax investment strategy.

Essentially the concept of negative gearing is when your costs for the property, including loan interest and bank charges, ongoing repairs and maintenance as well as capital depreciation, are more than the income you’re receiving from the property. At first glance, this can seem like a nightmare scenario for an investor, however there can be significant tax benefits from making a loss on your investments. The Australian Tax Office, for example, will allow you to offset these losses against other assessable income you might make. Another benefit of negative gearing is that the associated tax deductions mean that investors can borrow a large proportion of the cost of a property, and rent it out to cover the cost of the loan interest. This is a particularly useful for people who may have only a small deposit when they are looking to purchase a property.

There are, of course, other forms of “gearing” when it comes to assets: with so called “neutral” gearing, for example, the income you’re making is the same as the losses you are incurring, meaning that you’re not making a profit or a loss. Positive gearing means that the interest you are paying on your mortgage is less than the income you are bringing in from the property. Many property investors seek to find a property that helps them to into positive gearing territory – that is, the rent from tenants is higher than the costs associated with the property – however real estate experts often point out that these properties are difficult to buy nowadays.

Negative gearing is often considered a good investment strategy in a rising property market. This is because, despite the losses you may incur and subsequent tax offsets, your investment will be growing as an asset year after year. This can be a sensible outlook as long as the property market remains stable or rises. In a falling market, however, relying on negative gearing and capital growth can be problematic.

Lisa Montgomery, the chief executive of Resi Mortgage Corporation, believes that potential investors may be relying too heavily on the concept of negative gearing to provide them with property security, and instead should be focusing on buying the best, most suitable property for them, thereby creating real equity as an investment. When you’re looking at investment management, strategies such as paying more off the loan in a quicker period of time – thereby reducing the bank loan and interest – can help to increase and build equity over time. This equity can then even be used to purchase other properties as investments[i].

No one wants to go into property investing and lose money. Property investment for beginners should include financial and strategic advice from experts who can provide sensible solutions and ongoing help.

 

 

[i]http://www.smh.com.au/money/investing/negative-gearing-time-to-rethink-your-approach-20111203-1oc58.html

 

Property Investment – Long Term Or Short Term?

It has certainly been a rocky ride for property investors over the past few years. When you look at most types of investments, including shares, this holds true for all of them. When you’re building and maintaining an asset that provides you with dividends or rental income, watching and fretting over every dip in the market is a waste of time (unless you’re a day trader). Indeed most investment experts believe that looking at creating investment goals over a one or two year period is an unrealistic. Instead, they believe that a five or ten year plan is more in keeping with the nature of investing. They suggest that instead of speculating, investors should treat their investments as a business, with long term strategic goals in mind.

Property as an investment by its very nature is a medium to long term investment thanks to market fluctuations and issues such as capital gains tax. The beauty of holding an investment property is that, even during relatively flat periods (and according to some professionals we should be expecting the next one after 2015) rental prices tend to go up. If appropriate to your situation, you can also look into securing tax advantages through negative gearing, which helps to offset the costs of owning an investment property. Don’t forget also that eventually, if you hold the property long enough, you should reach the point at which the rent is covering or exceeds your mortgage costs and you are no longer making a loss.

Property investment for beginners should mean starting out with a sensible goal in mind – for example, are you interested in long term capital growth or going to rely on short term rental returns? With the help and advice from property experts, deciding such matters will then give you a clear way forward. Creating a proper five or even ten year plan will mean that you will be forced to be patient and become more focused on long term results and less anxious about short term dips in the market.

If you are considering entering the property market it is imperative that you find the right property that will fit with your long term plans. For example, off the plan property can be an ideal choice if you’re looking to take advantage of higher capital growth, stamp duty savings and reasonable prices. Often with an off the plan property if you’re quick you will be able to choose the best apartment in the building, ensuring you’re getting value for money. Other issues to consider include finding the right suburb to invest in – this can take months of research and analysis to find the “up and coming” areas or just to break into an already established suburb with good rental returns. Local amenities are generally the number one priority for renters, and buying an apartment that’s near schools, shopping and transport is a safe bet.

It is always a good idea to speak to an investment professional before buying a property as your first investment or considering building your property portfolio.

 

 

http://www.heraldsun.com.au/news/property-investment-should-be-long-term/story-fnkgdm6f-1226830581981

 

Becoming A Smarter Property Investor Through Technology

Whether you’re new to property investing, or are an old hand looking to build your property portfolio there are a number of free and subscription-based online tools you can use to help you research, analyse and buy property.

Read, Read, Read

The better informed and prepared you are, the better your investment decisions and choices. Most information on the internet these days is free, and one of the best property investment strategies is to become as educated you can while you’re waiting for the right property to appear or before you even begin. Property experts suggest that people thinking about investing in real estate should keep track of a range of “big picture” strategic factors such as government policy and economic growth as well as issues such as property prices and rental income. Finding information in sources such as the Australian Financial Review can be invaluable for building up a general picture of the market and its outlook.

If you use Google News, consider customizing the newsfeed to include articles on property investment or property in general (but don’t forget to ensure the articles are being sourced from local news outlets). One advantage to using online versions of newspapers and property magazines online rather than in printed form is that you can easily search for the exact information you are looking for.

Finally, there are many blogs published every week by property experts that can be subscribed to for free which provide interesting and thought-provoking commentary. Not all will be relevant to your situation, but many provide a good idea of what’s going on in the local market. You can also search online for free webinars conducted by many professionals working in property sales and management. Webinars can be a great introduction to the world of investing all in the comfort of your own home.

Research Tools

There are many great tools online you can use when looking for the right property to invest in. Obvious examples include Domain.com.au and Realestate.com.au. Both sites now also offer a “New Homes” category where you research off the plan property. One of the best uses of these free sites is to build up a picture of the property market over time, giving you an accurate picture of which suburbs are booming and even the type of rental income you may get in a certain area. Another useful site is Next For Sale, which provides information on buying and rental patterns within suburbs.

Online calculators are a great boon for the property investor. You can find a range of free online calculators that will help you answer a range of financial questions such as mortgage costs and loan repayments. Keep in mind that most of the calculators are offered by the banks and other mortgage lenders, so therefore their calculations for various loans and other data will vary.

The internet has been both a blessing and a curse for property investors – on the one hand research and analysis that used to take weeks or even months can now be accessed at home while you finish a cup of coffee. Important trends such as rental income in certain suburbs or apartment price fluctuations can be recorded and analysed now with a click of a button. On the other hand, many property investors complain about “information overload”, with just so much data and associated commentary that sometimes it’s hard to see the wood for the trees. This is where expert opinion can help. Property professionals such as Ironfish can help you clarify your goals and provide expert advice and help on all aspects of finding and buying the right new, off the plan property for you.

Making Property Investment More Affordable For Couples

Financing your first investment property can be a daunting prospect, especially if you are planning to go it alone without help from family members.  If you are in a relationship, however, there is a way you can maximise your borrowing potential by combining your partner’s income with your own when you apply for a loan from a lender.  Investment experts believe that this concept of pooling financial resources when starting on the property ladder can help give you that kick-start you need in a rapidly rising and competitive market.

A recent article* in Your Investment Property suggests that applying for a double income or joint loan if you are not married but in a relationship is a smart way to greatly reduce the upfront costs and fees associated with investment loans, as well as increase your borrowing power and your ongoing ability to re-pay the loan.  It is also often the case that one person will own more collateral that can be used to secure the loan.

It goes without saying that buying an investment property with your partner can be a huge financial (as well as emotional) commitment.  Investment and legal experts agree that people considering a joint or double application loan should contact a solicitor who can draw up relevant contracts – similar to prenuptial documents – or a ‘Binding Financial Agreement’ to ensure each party is legally protected in the event of a relationship breakdown or other change of circumstances.  This can be a particularly important step for people who had existing investment property or other major assets before their current relationship began.  Taxation expert Eddie Chung, partner and advisor at BDO believes that entering into such a financial partnership with someone means that you are inextricably entwined with them until one or either of you decides to call it quits.  Having a legally binding agreement that clearly sets out matters such as buying out the other partner or what happens if one party to the agreement dies is critical to ensuring a fair and equitable outcome for everyone.

Other factors that should be decided or settled before you go ahead with the loan application include:

  • Agreeing on the type of investment loan you would prefer, including details such as repayment terms, lines of credit, interest only repayment periods or redraw facilities.  You should also agree on who will be responsible for repaying the loan.
  • Deciding whether you want both of you authorized to make changes or updates to the loan (often referred to as an “Any to Operate” authority level), or whether you want to make access to your account only available if both of you are present (sometimes called “All To Operate”).  The level of authority you decide on will probably also change the way your access to electronic banking will work.
  • Agreeing an investment strategy that includes details on the length of time you intend you keep the property, whether you wish to outsource the management of the property and tenants or do it yourself.  Deciding what type of property you’d like to invest in is also an important component of such a strategy, and choosing between off the plan properties, existing apartments, and townhouses or detached houses may require months of research and advice from property investment experts.  Unless one of you has agreed to be the main decision-maker, both of you should participate in the search and selection of suitable properties (this can also help to avoid any disputes later on).

Having these financial aspects settled before going ahead can provide you with great peace of mind, as well as provide a steady foundation for your relationship going forward.   As Homestart finance CEO John Oliver suggests, buying an investment property together can be a big step in for any couple, and can often signal the beginning of a new level of commitment between two people. With this in mind, no one wants unresolved financial issues or questions to adversely affect the nature of the relationship.  The more organised you are in terms of managing the financial aspects of an investment loan, the more likely you will be to succeed in building a successful property portfolio together in the future.

 

 

*http://www.yourinvestmentpropertymag.com.au/news/taking-the-vows–of-property-investment-184138.aspx

How to Buy in a Hot Market

In a hot market properties go quick, meaning you need to be ready to make fast decisions when looking to buy. You may not have the luxury of time for multiple inspections, so it’s important to be clear on what you want when looking.

Property experts Rich Harvey and Gavin Hegney shared some tips on how to buy in a hot market.

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The Golden Rule of Property Investment

Thinking of getting in to property investment? While there’s plenty of tips and advice out there, there’s one golden rule to stick with.

According to property investment expert Michael Matusik, you have to be in it for the long-term. This is his golden rule and knowing that property is a long-term investment is the first step to building wealth.

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What to Know When Becoming a Landlord

Buying an investment property also comes with the responsibility of becoming a landlord. When preparing to buy, you’ll need to consider where the market is at and the kind of return you can realistically expect when renting a property out.

Here’s a few tips from The Telegraph to help you out:

Research

Understand the letting market and the potential capital growth on a place. You’ll want to buy where there is a high level of rental demand and steady capital growth too.

Finding a tenant

To make your investment worthwhile you’ll want to get someone paying rent as soon as possible. If this is your first time as a landlord it may be helpful to go through a letting agent who can advise on legal matters and find a tenant for you.

Tradesmen

Setting up a network of tradesmen to look after the property is important too. They will be able to deal with problems without racking up a huge bill for emergency responses. This is key in making your investment more profitable.

How to Stay Calm When Buying at Auction

Auctions are becoming far more common in Australia and there is plenty of competition when it comes to buying property at one. According to Property Observer, Sydney is posting 80% clearance rates, a sign of the interest in auctions.

When attending an auction it is essential that you stay calm and unemotional. Award-winning auctioneer Marcus Chiminello had some tips for anyone thinking of buying at auction:

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Profile of a Single Tenant

Single households now make up almost 25 per cent of the rental market, so it’s important to have an investment property that appeals to this group — especially if the property is not particularly attractive to other demographics, such as families with children. So what do single people look for in a rental property?

Location

Under 35s like living near the city. Whereas those with families are willing to commute longer distances in order to rent a three-bedroom house in the suburbs, singles want to be close to the action. They prefer high-density living, such as apartments and townhouses in or close to the city, and are reluctant to waste valuable time commuting long distances to work.

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Buying Investment Property Near Public Transport

When you look at buying investment property, you should always weigh up its potential advantages and disadvantages, as seen through the eyes of prospective tenants. However, if the property is situated close to good public transport, then the advantages are likely to far outweigh any drawbacks.

Going green when buying property

As energy costs climb ever higher, society is becoming more green-minded and this is reflected in where we are choosing to live. Motor vehicles are major polluters, they kill and maim thousands of people every year, and congestion on our roads leads to stress, road rage and ill-health.

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How To Think Like a Property Investor

Buying an investment property is not like buying a home. You need to take off your rose-coloured glasses and focus on a property’s money-making potential above everything else. There are several features your potential investment property should possess:

Low maintenance

Any renovations that are required before you can get tenants in are coming out of your pocket, so the better condition the property is in, the more attractive it is as a potential investment. Avoid fixer-uppers, even if they are cheaper to buy, because unless you have a renovation team standing by, they will cost you a lot of money and precious time during which there is no rent coming in.

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Does Your Investment Property Have a Smoke Alarm?

Most Australian states and territories now require residential rental properties to be fitted with smoke alarms. If your investment property has tenants, the onus is on you or your rental manager to see that smoke alarms are installed and maintained.

While the tenant is responsible for changing the batteries, you would still be well advised to have your property regularly inspected to ensure this is being done and that the smoke alarms are working.

This follows recent advice from New South Wales Coroner, Mark Buscombe, that even though tenants are responsible according to the terms of a lease to replace smoke alarm batteries, it would be in the owner’s and property manager’s best interests to conduct regular checks.

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Sydney Leading on Construction and Housing

Sydney has seen strong growth in construction and housing with a plethora of major construction and infrastructure projects currently under track. Furthermore, the city has recorded some of the strongest housing prices in the nation. The latest figures indicate that Sydney’s leading role in the national housing market is set to continue, making it a strong for destination for investment property.

Housing Capital Growth

The latest Australian Property Monitors data indicates that apartment prices were unchanged in Sydney even as the rest of the nation saw some small adjustments in price. The affordability of apartments coupled with a general trend towards small households and higher density living has driven Sydney’s strong performance

Apartment quick facts:

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Adelaide’s CBD Developments to Watch

Consistently ranked in the top ten for liveability surveys, Adelaide is a favoured destination for investment property, both in Australia and within South Australia itself. Recent private development projects and government initiatives have further raised its profile as an investment destination to watch. Most recently, draft masterplans have been released for Rundle Mall and the riverbank precinct.

Rundle Mall Development

Rundle Mall is the most visited site in Adelaide with 24 million visitors every year. Long considered to be the premiere retail area in South Australia, the Mall is currently undergoing development for a multi-storey $385 million retail complex named ‘Rundle Place’.

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National Rental Affordability Scheme to Benefit Renters

In October, the federal government announced the outcome of the latest round of the National Rental Affordability Scheme (‘NRAS’). The NRAS is aimed at delivering affordable rental housing to low and moderate income earners over the course of a decade. In this article, we look at the NRAS and its implications for renters and investors.

At a Glance: The National Rental Affordability Scheme

The NRAS began running in 2008, when the federal government incorporated it as a major component in its $3.7 billion housing package. The main goal of the scheme is to boost rental housing stocks for low to medium income earners.  In order to deliver this goal, the State and Federal governments have incentivized investors to rent out approved new properties at a discounted rent by offering them a Tax-Free payment each year for 10 years. This property investment option is suitable for many investors in relation to many approved properties all around Australia.

Under the NRAS scheme:

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Investors See a Big Future in Apartments

Apartments are one of the most attractive options for price sensitive investors looking for investment property with potential for high yields and capital growth. Affordability, location, attractiveness to tenants – these are just some of the reasons for the growing popularity of apartments.

Prices

One of the key advantages of purchasing an apartment over a house is the price differential.

  • Across Australia’s capital cities there is a 13.3 per cent (or $56,000) difference between median house price and median unit price.
  • The difference is the highest in Canberra, where the median price for a house is $129,000 higher than that for a unit. In Sydney, the difference is $103,000. Sydney and Canberra are the Australian cities with the highest unit sales relative to sales for all other dwelling types (around 43 per cent for both cities).
  • In Melbourne, Brisbane, Perth, and Adelaide, the differential is at around 18 per cent, much lower than Sydney or Canberra, but still a significant difference amounting to around $70,000.

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Australian Investors Turning to Interstate Properties

A recent report has revealed that a growing number of Australian investors are looking beyond their home state or territory when choosing investment property. In this article, we examine the trend toward interstate investment and its potential advantages for investors.

Investors Favouring Queensland Properties

According to a report by Terri Scheer Insurance, around one-fifth of its insured landlords own investment property outside their state or territory of residence. The report found that:

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Perth Rents Soar as Vacancy Rates Plummet

Australia’s fourth most populous city is experiencing stunning growth in its rental market, making it a more promising prospect for investment property than ever. The latest figures on Perth’s rental activity reveals that rents are soaring and new supply is being rapidly outpaced by growth in demand.

New Supply Being Outpaced by Demand Growth

Figures released by the Real Estate Institute of Western Australia (‘REIWA’) for the September quarter have shown that new rental leases increased by 6 per cent in the three months to September.

Although new housing stock was released into the rental market rather than being sold, this additional stock was quickly absorbed by strong rental demand, with the number of properties available for lease falling by 20 per cent or from 3,600 to 2,800.

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Smaller, Smarter, and Greener Dwellings for Australians

The trend for new houses and apartments in recent years has been toward buildling dwellings that are smaller, smarter, and greener. While a recent report by the Australian Property Institute found that green star commercial buildings deliver a 5 per cent premium in rent, the green trend is also catching in the residential market. Both first-time home buyers and investors seeking residential investment property are opting for compact living spaces. We examine what these smaller dwellings look like below.

1. Multi-Feature Rooms

It’s been estimated that removing household clutter can yield extra space equivalent to a bedroom or study, and incorporating clever design strategies can enhance space efficiency. Furthermore, well-designed homes can reduce construction costs by incorporating these multi-feature rooms.

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Investors Rank Property Over Shares

With the gloomy outlook and weakening investor confidence in the volatile share market, a recent study has revealed that a majority of Australian investors now believe investment property and not shares is the better choice for their investment dollars. In this article, we look at how the volatility in the share market is unlikely to abate in the near future and why investors are valuing residential property above all other investment types.

Survey Shows Investors Rank Property Over Shares

The research organisation CoreData in its Investor Sentiment Research Report found that 73.5 per cent of the Australian investors surveyed expect residential property investment holdings to outperform share portfolios. This leaves only around a quarter (26.5 per cent) of investors who expect their share portfolios to perform better.

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Residential Housing Leads the Way for NSW Construction

Residential housing is expected to lead the way for the NSW (and ACT) construction industry in the coming year. In this article we look at some of the trends for the NSW construction industry and how they are expected to play out in the short, medium, and longer term, with implications for property investment.

In the Past Year

Although total building and construction work done was slightly down during the second quarter of the 2010/11 financial year compared with the same quarter in the 2009/10 year.

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