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Welcome to our August newsletter.
Thank you to the close to 1000 of you who took the time to attend our recent round of seminars. The consensus from most was that you appreciated our honest insights into the future direction of the property market, as well as the practical suggestions on what the most prudent steps investors should be taking right now to position themselves for the future...
For those that missed out we are producing a DVD of the presentation. If you would like to pre-register your interest please click here
The most recent finance figures reveal that housing lending grew by just 9.9% over the past twelve months. Investor housing was up 0.5%, representing an annual growth rate of 8.3% - the weakest growth since records were first maintained over 17 years ago. These bearish figures are the clearest reflection yet that many investors are questioning just what their next step should be.
This month we try to provide you with some more answers. With the dynamics of the property market changing and rental yields on the rise, Bill Zheng relooks at the growth vs yield debate. While Michael Yardney brings you some pracical suggestions on just want strategies investors who want capital growth can do to make significant gains in a slowing market. For good measure Michelle Coleman also examines the complex topics of financing investments through trusts and Self Managed Super Funds.
Until next month, I hope you enjoy this month's selection of articles.
"Is now the right time to invest?" by Bill Zheng, Investors Direct
"A new era in property investment" by Michael Yardney, PropertyUpdate.com.au
"The uncertainty ceiling" by John Lindeman, Residex
"Ask The Experts - How do you invest through a SMSF?" by Michelle Coleman, Investors Direct
"Getting finance when using a trust" by Tony Melvin (Knowledge Centre) & Michelle Coleman (Investors Direct)
Regards
Tim Riley, Editor
With interest rates pushing 10%, are the current yields and capital growth warrant borrowing to invest during this time? What yield/capital growth should you get to make sure you stay above water? Should you still stick to growth as a strategy as opposed to yield? As featured in a recent Your Investment Property magazine issue, Bill Zheng examines this complex issue...
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Written by:
Bill Zheng, Investors Direct
Residential property is going through a crisis of confidence. The market has finally been slowed down by the double whammy of 12 consecutive increases in interest rates and falling consumer confidence from negative messages in the media surrounding the global finance crunch. This is the present. But what about the future? Michael Yardney gives us his conclusions on the future direction of the property market...
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Written by:
Michael Yardney, PropertyUpdate.com.au
The buoyant growth of last year’s housing market has now disappeared following a spate of interest rate rises, fuel price increases and finance industry shocks. What we are left with is a cautious economic atmosphere and much more sober lender market. The falls experienced in the housing market in May were limited to the more unaffordable markets in Sydney, Perth and Melbourne, but spread to all housing markets in June and the Residex July figures confirm that this sluggish market is likely to be with us for some time as John explains...
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Written by:
John Lindeman, Residex
Subscriber B Jones asks: "I am after some concrete information on borrowing to buy property through an SMSF. How much can you borrow? What are the costs? What are the conditions of the purchase? I can’t seem to get solid information about this anywhere and am interested in exploring this option for my super."
Michelle Coleman explains what options are currently available to investors who want to purchase property via a Self Managed Super Fund (SMSF)...
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Written by:
Michelle Coleman, Investors Direct
In today's rapidly changing finance market, lenders are more cautious than ever. Even in the best of times lenders don’t really understand investors; so the way that they lend money doesn’t always help clients who have set their sights on using trusts to invest. Tony & Michelle explain your finance options when investing with trusts...
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Written by:
Tony Melvin (The Knowledge Centre) & Michelle Coleman (Investors Direct)
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