Capital Gains Starting from basics, capital gains are increases in the value of assets. In real estate for example, if you buy an investment property for $400,000 including costs of purchase, and it increases in value over a few years to $500,000, your unrealized capital gain/ increase in equity is $100,000. As long as you…

Answer by Gabriel Ändrade: Books? No clue. I can give you a few pointers, though. First of all, I'm going to assume you have a little capital to work with, say $10-20,000.  For starters, you need to find a real estate investor who is older than you to mentor you and give you advice. Don't…

Answer by Juliana Ardila: I own a few properties, my first one was a rental property in a small town in NSW, Australia. I believe that to have a hassle free property it is very important to find a good property manager to lease and manage your property. At the beginning, we just gave the…

Answer by Juliana Ardila: “There is a theory that the period of growth is shown by the difference between inflation (CPI) and the level of growth in the real estate market. This means that if property prices are growing faster than the (CPI) the market is experiencing a recovery or growth phase. If the difference…

Many clients ask me what an offset account is and why it is different to a redraw facility. Let’s start from basics, a redraw facility is a feature within the home loan account that enables you to draw any extra amounts that you have deposited in your home loan other than the minimum repayment. For example, if…

Easier said than done right? Well, if you are smart enough, and I am sure you are, you can build a sizable property portfolio by using the equity on your current home to cover the down-payment on a new property. Let’s back up a bit and consider what equity is: The equity in your home,…

The property market in Australia does not all behave in the same way. While Sydney property may have been increasing in value rapidly since 2013, properties in Perth have hit a plateau and are showing a decrease in growth (Source).  When buying property it is important to think about your financial goals, do you want to…

Remember when interest rates where over 17%? It might be time to consider refinancing to a fixed rate loan now that rates are at one of the lowest points in the past 30 years. Request a complimentary Home Loan Health Check on 0420465576 or email juliana@pranacreditsolutions.com.au source: tradingeconomics.com

Before I bought my first property, I was a bit scared of the challenge, I considered myself quite inexperienced. You can check how I got over the fear of buying property in my previous post. However, this time I wanted to share what I learned from this experience so you can be more prepared when you…

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