{"id":19999,"date":"2020-05-05T17:37:37","date_gmt":"2020-05-05T07:37:37","guid":{"rendered":"https:\/\/www.purefinance.com.au\/?p=19999"},"modified":"2021-03-31T11:36:45","modified_gmt":"2021-03-31T00:36:45","slug":"is-now-the-right-time-to-invest-in-property","status":"publish","type":"post","link":"https:\/\/www.purefinance.com.au\/is-now-the-right-time-to-invest-in-property\/","title":{"rendered":"Is now the right time to invest in property?"},"content":{"rendered":"

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If you still have an income and look set to withstand the worst economic impacts of the Coronavirus, you might be quietly wondering to yourself: \u2018is this a good time to invest in property?\u2019 In fact, we\u2019ve had lots of potential investors reaching out to ask exactly this over the past few weeks. We get it - crisis brings opportunity and you don\u2019t want to miss out (nor should you). However, before you take the plunge, it\u2019s a good idea to ask yourself these five questions to see if now is the right time to invest <\/span>for you<\/span><\/i>.\u00a0<\/span><\/span><\/p>\n

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1. \u2018Can I actually<\/i> afford another loan?\u2019<\/strong><\/span><\/h2>\n

With market volatility bringing all the motivated sellers to the yard, it seems like things are shaping up to be a good time to increase your property portfolio. But have you crunched the numbers (or had your mortgage broker do it for you) to see if your ability to borrow has been affected by the pandemic? While <\/span>interest rates are the cheapest they\u2019ve ever been<\/a><\/strong> and you might be able to <\/span>release equity from an existing property<\/a><\/strong>, that doesn\u2019t necessarily mean you can afford the week in, week out repayments on a new loan - even if you\u2019re planning on renting the property out. It\u2019s probably time to practice some cautious optimism and get help crunching the numbers. <\/span>Try this Borrowing Capacity Calculator<\/strong> or <\/span>get in touch with a mortgage adviser<\/a><\/strong> to run through your personal scenario. <\/span>(It\u2019s free so, why not\u2026!)<\/span><\/i><\/span><\/p>\n

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2. \u2018If I lose income, or my circumstances change, can I still<\/i> afford the loan?\u2019<\/b><\/span><\/h2>\n

Even though you would typically do \u2018worst case scenario\u2019 planning <\/span>before<\/span><\/i> you applied for your loan - no one, not even the most doomsday of loan managers or mortgage brokers, would have had a global pandemic like COVID-19 in mind. For those who have lost their jobs or had a reduction in income, and even for those who are feeling uneasy about their employment as a result of coronavirus, it\u2019s probably best to hold off until things stabilise for <\/span>you<\/span><\/i> (not necessarily the markets). Not only do you not need that kind of extra stress, but the banks might be less likely to lend to you if you\u2019re part of a vulnerable industry or your income is unstable. That said, the fundamentals of wise property investment hold true - pandemic or not. If you have a healthy cash buffer and a solid game plan if things change or you have a reduction in income, then COVID-19 shouldn\u2019t stand in your way of expanding your property portfolio right now.\u00a0\u00a0<\/span><\/span><\/p>\n

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3. \u2018Am I in this for the long haul?\u2019<\/b><\/span><\/h2>\n

Compared to many other investments, buying a property has high entry and exit costs so selling soon after buying usually means you make no financial return. That\u2019s why it\u2019s important for many investors to ask themselves: am I in it for the long haul? To explain further, when you buy a property, you pay <\/span>stamp duty<\/a><\/strong> of roughly 4 percent of the purchase price. When you sell, you also typically pay a real estate agent roughly 2 percent of the sale price. Altogether, that's six percent of the value of your property in someone else\u2019s pocket! So the key to wise property investment, in the majority of cases, is to hold onto the property long enough to ensure you get some solid growth and until the timing is perfect for you to sell.<\/span><\/span><\/p>\n

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4. \u2018Can I get a tenant and, if not, could I still make repayments?\u2019<\/b><\/span><\/h2>\n

If you\u2019re planning to buy a property as an investment and fill it with eager tenants who are going to pay down your loan for you, then a global pandemic might not be the time to sign on the dotted line. Despite <\/span>government stimulus packages<\/a><\/strong>,<\/strong> we are seeing <\/span>more and more rental vacancies<\/a><\/strong>, with distressed tenants unable to afford payments due to the impacts of COVID-19. Coupled with the <\/span>recent flooding of the rental market<\/a><\/strong> caused by travel restrictions and a downturn in demand for short-term stay accommodation, and finding a tenant is becoming trickier and trickier. If you are <\/span>not<\/span><\/i> an owner-occupier and instead seeking a tenant for your investment property, we would suggest only proceeding if you can withstand low or no rent for the first few months.\u00a0<\/span><\/span><\/p>\n

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5. \u2018Do I have a clear idea of what the best opportunities are right now?\u2019\u00a0<\/b><\/span><\/h2>\n

You\u2019ve seen <\/span>what\u2019s happened with toilet paper - there is panic in the air and emotions are understandably running high, which is not overly conducive to sound investment decisions. Making the time to reflect on whether you have all the information you need to make an informed and considered decision about property investment right now is crucial.<\/span> There is lots to consider, after all.<\/span><\/span><\/p>\n

Is it better to invest in \u2018fixer uppers\u2019, apartments, or rural properties during a downturn? <\/i><\/span><\/strong><\/p>\n

Should I try and \u2018attend\u2019 an online auction or look for a private sale if I want the best deal? <\/i><\/span><\/strong><\/p>\n

What about fixed or variable loans given the interest rates are so low?<\/i> <\/span><\/strong><\/p>\n

Getting help from someone you trust - be it your mortgage broker, or a buyer\u2019s agent - is worth it if you\u2019re still thinking a property purchase is on the cards for you at this time.\u00a0<\/span><\/span><\/p>\n

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There you have it - the five questions to ask yourself if you\u2019re thinking of expanding your property portfolio! Frankly, these are questions we would encourage all potential investors to ask themselves anytime, but <\/span>especially<\/span><\/i> during a global pandemic where we\u2019re less sure than normal about what the market is doing and how long we will live with these levels of uncertainty.\u00a0<\/span><\/span><\/p>\n

If you answered <\/span>\u2018yes\u2019<\/strong> to these five questions, it sounds like now could be a great time for you to invest in property. However, there\u2019s no such thing as a \u2018one sits fits all\u2019 approach and it\u2019s still important that you <\/span>reach out to a mortgage adviser<\/a><\/strong> to help you sort through the finer details and ensure it is <\/span>the right time for you.<\/em><\/strong><\/span><\/span><\/p>\n

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Pure Finance has a team of qualified mortgage advisers that are ready to help you through these crazy times. Just <\/i>reach out by email here<\/i><\/a><\/span> or give us a call on 1300 664 603. We promise it\u2019s finance, without the boring.<\/i><\/span><\/strong><\/p>\n

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The finance information contained in this article is general advice only. You should consider your own circumstances or reach out if you'd like to discuss your individual needs.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Insights: Navigating property + finance during COVID-19<\/p>\n","protected":false},"author":90,"featured_media":20002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[92,34,312,35,288,313,153,182,314,140,315,316,42,38,39],"financial_goals":[],"class_list":["post-19999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-australia","tag-property","tag-covid-19","tag-finance","tag-finance-for-good","tag-financial-support","tag-home-loans","tag-mortgage-advice","tag-mortgage-adviser","tag-mortgage-broker","tag-property-investing","tag-property-investment","tag-property-investor","tag-pure-finance","tag-sydney"],"acf":[],"yoast_head":"\nIs now the right time to invest in property? 5 questions to ask before buying<\/title>\n<meta name=\"description\" content=\"Crisis often brings uncertainty, but it can also bring opportunity. 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