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I recommend releasing equity progressively for each investment property purchase because it improves the odds of having your loan applications approved. You can use the following example to work out how much equity to release for each investment property purchase.
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It’s important to have a separate Property Investment Working Account (”PIWA”) to receive rental income and pay all your property expenses including interest. Don’t use an existing account that has any element of personal usage because commingling (ie, mixing) investment and personal cash-flows can affect the tax deductibility of your investment expenses.

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‘Dollar cost averaging’ is a term used to describe investing a fixed sum on a regular basis in the same investment over the long term. It’s considered a fundamental of sound investment in the share market but also has application in property investment.
Dollar cost averaging reduces the odds that you’ll invest a large sum when the market has reached a high point. It also assists in eliminating the emotional factor from your investment strategy. Read the rest of this entry »

The main objection to using Buyers Agents to locate investment properties is cost, but over years of introducing people to property investment I’ve come to believe not using a Buyers Agent is false economy.

 The benefits are clear. You reduce the risk of investing in areas you don’t know particularly well. You achieve geographical diversification, an important factor in risk management (and minimising Land Tax), you save time (especially important when there is an investment ‘window’ open) and you avoid the often frustrating process of dealing with Selling Agents.

 So how much does it cost? Read the rest of this entry »