For many years now property investing has been the primary wealth building strategy for over 1.5 million Australian property investors.
The housing boom combined with generous tax benefits, has ensured that property investing has become a cornerstone of achieving financial freedom.
Whether you be an experienced investor with a large portfolio, or a first time investor looking to buy your first IP, we can provide the strategic financial advice you need.
We are often asked by new clients why should they deal with DSF rather than their bank? The simple answer, choice. A bank will only offer you mortgage products from their limited range. We on the other hand, can provide lending products from over 30 lenders, including banks as well as non bank lenders.
Ultimately the greater the range of options we can offer ensures that you get the best mortgage solution for your particular situation. Also every lender has different standard policies that apply. Understanding these policies and appreciating how they can impact our clients borrowing power is essential if we are to provide the best finance solution for our clients.
Property Market Challenges Facing Property Investors
We understand that it is becoming an increasingly difficult market for investors. Real estate prices are dropping and rental yields are not getting any better. There are a number of issues that are impacting the market.
- Tougher credit conditions with an growing emphasis on expenses & serviceability.
- In many areas, particularly in the apartment market, there is a growing oversupply.
- Decreased foreign investment in Australian real estate. This is partly due to Chinese government restrictions on capital outflows from the Chinese economy. This is further exacerbated by weakening economic indicators across China.
- Additional State Government duties for foreign purchasers.
- Low wages growth.
- Record levels of personal debt. In fact Australia has the second highest level of household debt to GDP in the world.
- A Labor win in the next federal election. This would mean an end to future negative gearing and a reduction in the capital gains tax discount.