realestateyourway.com.au’s Post

The Great Australian Dream of homeownership is becoming increasingly out of reach of many, with soaring property prices now a national concern. The Federal Government has ambitious plans to build 1.2 million houses over the next five years, but the challenge remains: how will these homes be funded? Thomas Cranfield, Zagga’s Director of Investment & Risk, speaks to Your Investment Property Magazine to discuss how private credit is stepping in to help meet the growing demand by filling the gap left by traditional banks, offering flexible, timely funding solutions.  This shift not only supports Australia's housing market but has also opened up new investment opportunities for income-seeking investors. ➡️ Read more on Your Investment Property Magazine: https://lnkd.in/gi_dfQhv Why zig when you can Zagga? #investsecurely #borrowsimply

Dr Kev's Weekly Update: New Loan Commitments for Investor Housing on the Rise Investor activity has been on an upward trajectory across all major capital cities (except Darwin, Hobart and Canberra) over the past 12 months. In September 2024, investor housing loans totaled $11.5 billion, marking a 49% increase from $7.7 billion in September 2023, according to ABS data. The changes in investor activity (measured by housing loan commitments) during the period across the states are as follows: • New South Wales: $4.4 billion, an increase of 33% from $3.3 billion • Victoria: $2.3 billion, up 5% from $2.2 billion • Queensland: $2.6 billion, up 52% from $1.7 billion • South Australia: $0.7 billion, up 40% from $0.5 billion • Western Australia: $1.8 billion, up 125% from $0.8 billion • Tasmania: $0.1 billion, up 42% from $0.07 billion • Northern Territory: $0.04 billion, up 100% from $0.02 billion • Australian Capital Territory: $0.17 billion, down 19% from $0.19 billion With high population growth and limited housing supply, property prices have surged and are now at record highs. Increased investor activity is generally seen as a leading indicator of a rapidly accelerating market. Given the rise in housing prices and borrowing costs, the affordable housing segments and more affordable cities are expected to lead growth in the immediate 1-3 years. #inSynergy #inSynergyAdvisory #Investor #PropertyInvestor #Investment

What Is Going on with Property Investors? * Investor activity in Australian property markets is rising, with new loans up 18.8% nationally. * Less leveraged investors and first-time buyers are driving the trend, adapting to high interest rates. * Queensland and Western Australia see strong investor demand due to robust capital growth. * In contrast, Victoria experiences higher investor sales amid slower growth and rising costs. * Diverging trends reflect changing dynamics in state markets and evolving investor profiles

Property as an investment a grab-bag of recent articles/reports (links attached)   1. Is from the Australian Property Sentiment report Q3 2024 -> note the increase in responses for Victoria from 11% in Q3 2023 to 25% in Q3 2024   2. is from the Westpac Red book October 2024 -> Note the increase in "real estate" as "wisest place for savings" from 2022 onwards and the recent slight dip as well   3. is from "What's going on with property investors ?" an article by Eliza Owen on 14/11/2024 -> tells us that as of September 2024 7% of FHB loans are for investment loans   4. is from "Victoria's rental market shrinks by 20,000 properties in just one year" Eleanor Creagh 14/11/24 -> WA has seen a 43% increase in new loan commitments for investors between July 2023 to July 2024 and Victoria had a 3% increase in the number for new loan commitments to investors in the same period   So what can we infer from all of this information   - Around 40% of us like deposits as investments and the portion of us thinking real estate is a safe place for savings is increasing and it nowhere near the Sep 2012-2016 levels yet   - Some of us are starting to look at Victoria again ? Interest in NSW, QLD, WA seems to be holding steady   - WA has had a significant increase in investor activity, how long can it last ?   - The percentage of FHB investors is at/close to peak levels as of 2019 https://lnkd.in/gJKXT5ha https://lnkd.in/gDPD5dFj https://lnkd.in/gP6NSBxV https://lnkd.in/ghA8H4nd

📈 Why are rates on investment loans often higher? 📈⁣ ⁣ Investors are piling back into the property market, according to latest ABS figures. ⁣ ⁣ If you've recently thought about buying an investment property, it can come as a surprise to find investment loans usually come with higher interest rates than owner occupier loans. 🙃⁣ ⁣ That’s because banks often see investment lending as higher risk. 😤⁣ ⁣ But there are ways to try and trim the cost. ⁣ ⁣ Having a bigger deposit could see you qualify for a lower rate. Investment loans can also be eligible for certain tax benefits. 👍⁣ ⁣ Get in touch today and we'll help line you up with an investment loan with a competitive rate. 👇⁣ ⁣ To find out more, DM us or contact AUD Finance Advisor on: ☎ – 0423 801 300 💻 – [email protected] #audfinanceadvisor #australia #melbourne #sydney #perth #brisbane #adelaide #mortgagebroker #firsthomebuyers #financebroker #homeloans #property #propertyinvestor #theblock #investmentproperty #melbournerealestate #sydneyrealestate #perthrealestate #adelaiderealestate #brisbanerealesate #homeimprovement #indomelbourne #indosydney #indonesiaaustralia #mortgagespecialist #mortgageadvice #houzz #houzzaustralia #aussiehomes #aussiehome

Property investing is speeding up!  Investor lending is continuing to gather pace, according to the latest Australian Bureau of Statistics leading indicators. ABS Head of Finance Statistics, Mish Tan, says lenders are also borrowing more, which likely reflects expectations of higher rental yields and the greater borrowing capacity of investors. The value of new loans to investors for housing rose 5.6% in April to $10.9 billion, which was 36.1% higher than at the same time last year.  The average size of an investor loan for an existing dwelling is up from $592,000 to $648,000. The value of investor borrowing picked up pace the most in Queensland, up 46.6% and New South Wales, up 43.9%. In Victoria investment loans were lower, perhaps reflecting the response by investors in that state to growing taxes and fees for investment property owners. Instead, first home buyers are returning to the market in Victoria with the state recording the highest number, 2526, of first home buyer loans in April 2024. 

🏢💰 Real estate financing is the cornerstone of any successful property investment. Understanding the various financing options available in the market is crucial for navigating the intricate landscape of real estate transactions. Let's delve deeper into this topic and explore the key considerations when it comes to real estate financing. 🔍 It is essential to conduct thorough research on the available financing options, including traditional mortgages, private equity, and crowdfunding platforms. Each option comes with its own set of advantages and drawbacks, so it is crucial to carefully weigh these factors before making a decision. 📊 Analyzing your financial situation and investment goals is fundamental in selecting the most suitable financing option. Consider factors such as your credit score, income stability, and risk tolerance to determine the financing solution that aligns best with your objectives. 💼 When evaluating financing options, pay close attention to the interest rates, loan terms, and repayment schedules. These factors can significantly impact the overall cost of the investment and your financial stability in the long run. 📈 Diversifying your financing sources can help mitigate risks and optimize returns in real estate investments. Combining different financing options, such as leveraging equity and securing loans, can provide flexibility and resilience against market fluctuations. 🔒 Risk management is a critical aspect of real estate financing. Conduct a thorough risk assessment of the property, market conditions, and financing terms to identify potential challenges and develop strategies to mitigate risks effectively. 💡 Stay informed about the latest trends and regulations in the real estate financing industry. Keep abreast of changes in interest rates, lending practices, and government policies to make informed decisions and adapt your financing strategy accordingly. 🏗️ Building relationships with reputable lenders, financial advisors, and real estate professionals can provide valuable insights and support in navigating the complex world of real estate financing. Networking and seeking expert guidance can enhance your understanding and confidence in making financing decisions. ✨ Real estate financing is not just about securing funds—it is about strategically leveraging financial resources to maximize the potential of your property investments. By staying informed, evaluating options carefully, and managing risks effectively, you can position yourself for success in the dynamic real estate market. #RealEstate #Financing #Investment #Property #FinanceManagement

📊 Investor Lending Surges Ahead in the Australian Property Market Recent data from the Australian Bureau of Statistics (ABS) highlights a significant trend: investor lending outpaces owner-occupier lending. In June alone, the total value of new housing loans in Australia increased by 1.4%, reaching $29.2 billion. 🔍 Breaking down the numbers: New loans for owner-occupiers rose by 0.5% to $18.2 billion. Investor loans jumped by 2.7% to $11 billion. Year-over-year, new investor loans have skyrocketed by 30.2%, compared to a 13.2% growth in owner-occupier loans. This growth trend is consistent across all Australian states and territories: 🌟 State Highlights: New South Wales: +27.3% (+$901 million) Queensland: +34.5% (+$587 million) Western Australia: +56.7% (+$428 million) Victoria: +9.4% (+$199 million) South Australia: +38.3% (+$175 million) This surge in investor lending demonstrates growing confidence and interest among investors. Anticipating eventual drops in interest rates, many are strategically buying now to capitalize on the expected upswing in property prices as we move forward through this property cycle. #PropertyMarket #RealEstate #Investment #HousingMarket #Statistics #InvestorLending #EconomicTrends

In March 2024, Australia's housing finance sector continued its upward trajectory with new loan commitments surging by 3.1% to reach $27.6 billion in seasonally adjusted terms. This marks a significant 17.9% increase compared to the same period last year. Owner-occupier housing loans rose by 2.8% to $17.5 billion, showing an 11.4% surge year-on-year. Meanwhile, investor housing loans recorded a robust growth of 3.8% to $10.2 billion, marking a substantial 31.1% increase compared to last year. The steady rise in new loan commitments underscores the ongoing strength and resilience of Australia's housing market.

👇🔽GET RICH READING THIS Three types of debt and why you need to understand all three of them to get wealthy. Number one is consumer debt, credit cards, or debt on depreciating assets, like a vehicle or a trinket or a sound system. Second is debt on an appreciating asset that you pay for. So you'll pay the interest rate on your home, but most people have an interest rate under 4%. And a lot of times real estate will appreciate more than 4% a year. So the appreciation on that debt is actually higher than the interest rate you pay. The third kind of debt, which is my favorite type of debt, is debt on an appreciating asset, much like rental property or real estate, where you don't actually use your own money to pay off the debt. Rather, you use the income from the business or the rent collected to pay off that debt. Not only do you pay off that debt, but you make excess of that, and that's what we call cashflow. Subscribe for more real estate tips! #realestateinvesting101 #realestateinvestors #realestatetips #realestatebroker #realestateadvice #realestatehacks #champaign #champaignurbana Licensed realtor with eXp Realty Urbana IL real estate investment networking Champaign-Urbana real estate investment workshops Urbana IL real estate investment software Champaign-Urbana real estate investment mastermind Urbana IL real estate investment blogs Champaign-Urbana real estate investment funding Urbana IL real estate investment analysis tools Champaign-Urbana real estate investment project management Urbana IL real estate investment coaching programs Champaign-Urbana real estate investment networking groups Champaign-Urbana real estate investment property tours Urbana IL real estate investment property management Champaign-Urbana real estate investment market insights Urbana IL real estate investment software for properties Champaign-Urbana real estate investment meet-and-greets Central Illinois Homes Illinois Real Estate Trends Sustainable Homes IL Central Illinois investment properties Real estate flipping IL Rental properties Central IL Illinois real estate market analysis Property investment strategies IL Central Illinois housing forecasts Real estate ROI Illinois IL property tax implications Financing investment properties IL Illinois real estate laws for investors Multi-family homes Central IL Land development opportunities Illinois Commercial real estate investing IL Real estate syndication Central IL Passive income properties Illinois Real estate crowdfunding IL Property management tips Central IL Illinois real estate networking Fix and flip Central Illinois Real estate seminars Illinois housing market trends Investment property analysis IL Real estate wholesaling Central IL Illinois REITs Real estate investment trusts IL Bargain properties in Central IL Real estate portfolio diversification Illinois IL real estate investment clubs Central Illinois market entry points Real estate tax benefits IL