EP106 The Five Absolute Finance Musts for Property Investment Success

In this episode of the Investing Insights podcast, Steve Waters and Victor Kumar delve into the current state of the property market, shedding light on effective strategies to protect and enhance borrowing capacity. They challenge the negative media portrayal by revealing that good quality investment properties are selling above listed prices.

Emphasising the need for financial education and informed decision-making, they address different investor groups and stress the importance of taking action and managing cash flow effectively. With a focus on planning for contingencies and leveraging finance responsibly, this episode provides valuable guidance for navigating the property market.

Key Takeaways:

1. Despite media negativity, good-quality investment properties are selling well above the listed price.

2. Different investor groups exist: panic sellers, aspiring investors facing financial constraints, and adaptable strategists.

3. Taking action and managing cash flow are crucial; planning for contingencies and having buffers in place is essential.

4. Five points to protect and enhance borrowing capacity: manage income and expenditure, explore options from abundant lenders, leverage interest-only loans, prioritize liquidity and equity harvesting, and differentiate between investment and discretionary spending.

5. Non-deductible debt, such as car loans and credit card debt, significantly impacts mortgage serviceability and borrowing capacity.

Tune in to the full episode to gain valuable insights from Steve Waters and Victor Kumar on protecting and enhancing borrowing capacity in the property market. Engage in the discussion and learn practical strategies for financial success in property investing.