Kashmiri & Co Property

The Reserve Bank of Australia has increased the cash rate by 25 basis points (that's financial lingo for 0.25 percentage points), taking it from 0.1% to 0.35%; making it the first rise since 2010. So, you may be wondering, why have they increased the cash rate? And what does this mean for the Real Estate market? Or what is the cash rate and is it the same as the interest rate?
The RBA is Australia's central bank. It conducts monetary policy, works to maintain a strong financial system and issues the nation’s currency. It acts as a banker to the commercial banks and the government.
The main reason the RBA decided to increase the cash rate is inflation. Inflation has taken off, for a few reasons. One of the main reasons is the unconventional monetary policy tools that were implemented following the onset of COVID-19.
You may have heard that rising interest rates equate to lowering house prices. But what does history tell us?
If you would like to read the full blog, the link is in the comments section below.

A common question that gets asked is whether you should buy a house or a unit?

Have you ever wondered what the pros and cons of buying a house vs a unit are?

Well, it depends on what your goals and objectives are with buying a property. From a pure investment perspective, on average, a detached dwelling (house) is the best investment as it experiences more capital growth.

Other factors to consider with units are developers coming in and building multiple units which increase the supply (losing that scarcity factor), extra costs that can come with units and the lower amount of land associated with it.

You can find the full article in the comments section below.

Thinking about leaving the rat race? Or do you want more financial security in your life? Maybe you just want more freedom and options to focus on the things you love.
You can start positioning yourself to earn passive income through property investing by putting a plan in place, purchasing wisely through DATA analysis, choosing the right strategy and knowing your exit strategy.
If you would like to read more about how you can start doing this you can by clicking the link to the full article in the comments section below!

With recent talks of rising interest rates, have you wondered how it affects the Real Estate Market? In this blog post, I have noted a few observations for you to consider that might answer your questions.
This blog covers following;
- A look at what an increase in interest rates did to the property market in the past
- The silver lining of COVID-19 pandemic and how it could help in times of interest rate increasing
- Inflation is impermanent and caused by the pandemic & why RBA is reluctant to raise interest rates quickly
- Rising rents and why savvy investors will be fine
- How investing wisely is more important than ever before
Link to the article is in comment section below!

When push comes to shove, many people don't follow through with purchasing an investment property. But with planning, you can change that.

1. Speak to a bank or mortgage broker to see how much you can borrow. Get your pre-approval done & ensure you have enough deposit saved to buy the property within your budget.

2. Set your goals. Write down what you want to achieve not only with this property but with any properties that you plan on purchasing in the future.

3. Build your A star team of industry professionals. You need to have the right people around you to guide & mentor you through your journey. Having the right team can mean thousands of dollars saved in potential mistakes & other cost savings through price negotiation, buying in the right location & many others.

4. Develop a plan of action & make sure you stick to it. At this stage, you should have the confidence to want to move forward without hesitation as you have a plan.

5. Stay focussed on your end goal.

It’s easy to get overwhelmed when you’re venturing into something as fraught as property investment. If you would like some assistance with the process, reach out to us for a free 20-minute consultation.

📞 0451 715 823
📧 [email protected]

There are countless reasons to invest your money in Real Estate. Put your money to work!

Reach out to our team for a personalized wealth plan.

To download a FREE Property Inspection Checklist, go to our website at www.kashmiriandcoproperty.com.au to download now.

Do you want to pay less on interest over the life of your loan? When using an offset account, your monthly repayments generally remain the same in dollars, despite being charged a smaller amount in overall interest. However, because the amount of interest added to your loan is reduced, you pay off your loan much sooner. You could shave months or years off your loan!

As part of the strategy development stage for our clients, we look at the price point range based on capital required (equity and/or savings) and their borrowing power. This is where we get our high performing mortgage brokers involved!

When a bank or lender is assessing your application for a loan, they calculate your serviceability. They essentially gauge your ability to pay off a loan. They do this by looking at your income and expenses (among other factors) and determining how much you could comfortably afford to pay. You should always look to improve your serviceability.

We've all got an uncle/aunty or two who remind us of how they were about to invest in what is now a very expensive suburb back in the day but then blah blah blah happened. Don't be that uncle/aunty that goes on to tell the next generation the exact same thing.

The long term average compounding annual growth rate for real estate in Australia is 7.25% (RBA). If you go by 7% to be conservative, if you buy a property for $500,000 today, it will be worth $983,576 in 10 years.

All it takes is ACTION. Don't try to time the market, be in the market.

If you would like to get ahead & succeed in investing in Real Estate, it's important to build that team of professionals, create a plan with them, stay educated & most importantly, take MASSIVE ACTION.

Are you thinking of selling your property? Don't forget to factor in the cost of Capital Gains Tax (CGT).

If you've started to delve into the world of real estate investing then you would definitely have heard of the term vacancy rate being thrown around. The vacancy rate essential describes how much competition there is in the market for rental properties. It's a good indicator to use when looking at the demand of a market.

Just a bit of Sunday motivation.

We can sometimes forget the value of time. Time is precious because life is short. Time is best spent with family, friends and focusing on your passion.

Real estate investing when done right, can lead to greater freedom in life. Whether you're buying a home or investment, your money is better utilized in Real Estate than a savings account that isn't keeping up with inflation. As the old adage goes "Time in the market beats timing the market". No one has a crystal ball to tell you exactly what's going to happen with the market going forward. But time in the market has proven to always beat timing the market.

Property Market Update VOL.1 - Adelaides record real estate jump as national value lifts by trillions.

Data referenced can be found at the Australian Bureau of Statistics.

Follow for more updates on the Australian real estate market.

The difference between buying a high-growth & well-performing property to buying a DUD comes down to your team. It is imperative that you seek to build a team of professionals around you to mentor & guide you prior to making such a big decision.

Whether you want to buy 1 or 100 properties in your portfolio, there are many decisions that you will have to make along the way and this is where your team will come into play. Leverage the experience of your team.

Start building YOUR team.

"Those who don't manage their money will always work for those who do."

So what are the benefits of managing your money effectively? Here are a few;

◉ Build Wealth
◉ Improve Quality of Life
◉ Pay off debt faster
◉ Invest in income-producing assets such as Real Estate

Are you uncertain of whether you have enough saved to be able to get into the property market? Reach out today to discuss.

📞 0451 715 823
📧 [email protected]

There are numerous benefits to investing in Real Estate including cash flow (if positively geared), capital growth, tax advantages & leverage.

However, you must ensure that your portfolio is well-chosen.

If you would like to find out how we can help you get into the property market, reach out to the team via DM, email, or call us directly.

Financial freedom can mean different things for different people. Usually, it means having enough savings, financial investments, and cash on hand to afford the kind of life we desire for ourselves and our families. It gives us the freedom to do what we like and design a life for ourselves. In order to get to this point, it is critical to start working towards and planning for it NOW.

Do you want to ensure that you can retire comfortably in the future? Planning ahead is critical. You should ask yourself, what does a comfortable retirement look like for me? What is the standard of living that I expect?

New hobbies, new experiences, and new destinations cost money. Your investment portfolio in retirement should look to deliver a balance between your spending needs and capital growth over the long term.

Have you considered using your home's equity to grow your portfolio? 📈🏡

There are many frustrations that can come with buying real estate including analysis paralysis, being time-poor or just not knowing where to invest which is why it's so important to have a professional on your team to help you guide you through the process.

Welcome to Kashmiri & Co Property. We're a Licensed Buyer's Agency that help Australian's get their foot into the real estate market, whether that be buying an investment property or a home.

With a Buyer's Agent on your side, you no longer have to spend countless hours on researching for the right location and right property. We do all the legwork for you. We have access to data that allow us to navigate the real estate market and find the right properties at prime locations. We are confident that we will be able to assist with your property goals.

If you would like to take your first step towards building your portfolio or buying a home, reach out to the team via our website.

Kashmiri & Co Property updated their phone number.