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Ryan Smuts: Understanding serviceability

I get asked about bank servicing criteria all the time. Comes with the territory I suppose. The cautiousness I totally get. Imagine putting in all the hard work to get prepped up as the ‘ideal borrower’ only to find that the banks are looking at something else entirely different! Say you are after a home loan. You take your living expenses away from your net income to work out your mont...
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Inside the mind of a successful property investor

As we all stay at home and acclimate to the new normal, more of us are starting to wonder about the future and whether individually, we have what it takes to weather the coming storm. The introspection invariably brings up the question What do I need to make it to the other end? A month or so ago the APIA team asked me to share my thoughts on what goes on in the mind of a successful i...
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James Goren: Things you can do when you are WFH

Get your home sorted Now that we are all at home, it is a great time to tackle all the home improvement projects that we have been planning for the last two or three years: Working on the garden. Water blasting Cleaning the driveway Cleaning your gutters (be careful) Painting your home Clear out the garage Get rid of all the rubbish and anything else you don't n...
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Ryan Smuts: I’ve just changed jobs, what does my lender need to know?

A little note from us: Though the effects of Covid-19 are being felt acutely across the board at the time of this article being published. We feel that it is important to, as much as possible, keep with our original content schedule to maintain normalcy and provide a balanced range of information to help our readers make better decisions long term. This article was produced before current e...
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Debbie Roberts: The #1 question I get asked by coaching clients

There are a lot of questions that we get asked on a regular basis, but one of the most common ones is “What sort of property is the best investment, and where is the best place to invest?” Ok, I know that’s cheating because it’s really two questions, but let’s roll with it. The answer is: That depends. There is no such thing as a one-size-fits-all investment property....
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Ed McKnight: What is the right property strategy for me?

Do you know what gets a bee in my bonnet? When I hear property investors or commentators in our industry trying to convince us that there is one best property investment strategy. Here's the truth. There is no 'one' strategy for everyone. But, there is a 'right' strategy for everyone. And that strategy is going be based on: a) the needs of the individual investor b) what the inve...
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Debbie Roberts: What I would do if I had $20K to kickstart my investment journey

Well, I’ll start by saying what I would NOT do. I would NOT start looking for an investment property yet. $20,000 deposit will buy you a rental property up to the value of about $66,000 if it is an existing property (30% deposit requirement), and $100,000 if it is a new build (20% deposit required). Let’s face it, your choices will be extremely limited in those price points. A quick s...
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Ryan Smuts: What I would do with $20K

What’s the best return for your $20k? If you have an existing property portfolio I suggest some simple cosmetic work to increase the value of your properties. $20K doesn’t seem like much but it can go a long way if you are prepared to chip in some elbow-grease. Added bonus? If you go about it cleverly, you could achieve a good return in a multitude of ways: ...
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Stephen Dallow: How to choose your next property manager

When it comes to looking after yourself, you should always choose a great doctor who is up to date with the latest medical treatments, a fantastic dentist who can make sure your smile looks amazing for as long as possible and often at the top of a list is a hairdresser that you totally trust. Then it is making sure you have the right insurance cover to protect you and your family. So ...
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Toby Yorke: How I would renovate with a $20K budget

In this day and age, a $20,000 renovation budget won't get you terribly far. So where should you put your hard-earned dollar? The Goal I’m a big believer in the “goal drives the strategy” approach. What’s your goal? Is it to increase cash flow, increase equity, sell or is it simply maintenance? Once you are clear about your desired outcome, then chat with the respecti...
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