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Property is generally a relatively illiquid asset class and it is often difficult to gain access to funds quickly if the asset needs to be sold. While the ownership of property with a reasonable rental yield can assist with expected holding costs, residential property can also incur unexpected repairs costs and there may also be periods where the property is vacant, and no rental income is received. For the above reasons, we consider that property is generally most effective as a long-term investment (minimum 10 years), with time in the market allowing both the rental income and the market value of the property time to grow and compound in a tax-efficient manner. Therefore, it is also considered important to maintain a reasonable cash buffer in case of unforeseen repairs costs or vacancy periods. Buying property with the potential to renovate or develop can be the most effective strategy and use of your borrowing capacity.
gameplans.com.au do not operate as licensed financial advisers. This document considers specific recommendations for property market strategies only. Where appropriate or necessary we recommend that you seek the appropriate advice of a financial adviser. We do not accept liability for financial decisions made by you.
Please note that the future returns from property investment are unknown, and past performance is no guarantee of future results. All forms of investment involve risk and may incur loss. We accept no responsibility for losses incurred from investment strategies undertaken by you. We accept no responsibility for projections in this report and assumptions relating thereto.
There are risks related to the acquisition and sale of investment property, and you purchase or sell investment property at your own risk. We base our opinions and recommendations on known comparable sales and market trends that exist at the time of preparing this document and do not make any financial guarantees. You should seek and be satisfied with your own legal and financial advice and carry out any other research necessary before making financial decisions. No representation, guarantee, warranty etc. We make no representation, guarantee, warranty, promises or undertaking as to the: (i) suitability of any properties purchased or sold by you; or (ii) any financial viability or guarantee in respect of your property purchases or sales. You should make your own enquiries before any property purchases or sales, including obtaining the appropriate legal and financial advice. To the maximum extent allowable by law, we, our agents, and employees will not be liable for any loss or damage suffered or incurred by you in relation to any property purchase or sale.
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There may be future and unforeseen legislative changes that have a negative impact on property and/or other investment classes.
Our forecasts assume no major macro events materially affecting residential property markets and no major economic shocks.
We do not act as licensed mortgage advisors. We recommend you seek advice from a licensed mortgage advisor before proceeding.
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