In the latest episode of our podcast on property investment, we dive deep into the world of property investment, focusing on how the Stage 3 tax cuts can revolutionise your financial journey. With special guest Natalie Elazzi from Liviti Finance, we uncover strategies to enhance your borrowing capacity and navigate the current property market, particularly in the face of rising interest rates and construction costs.
Whether you’re a seasoned property investor or just starting, this episode is packed with invaluable insights and real-life client stories that highlight the importance of timely investments and strategic financial planning.
Property Investment Podcast
Guest: Natalie Elazzi
Natalie shares her inspiring journey into finance and property investment, shedding light on how the Stage Three tax cuts could potentially increase borrowing power by $30,000 or more. This boost can make a significant difference for individuals and couples looking to secure their next property.
The episode begins with a discussion on how these tax cuts can impact borrowing capacity, with Natalie explaining the practical aspects of finance that aren’t typically taught in school. She recounts a touching client story where her expertise helped a couple improve their borrowing capacity significantly, demonstrating the real-world impact of effective financial guidance.
As we explore the current property market, Natalie addresses the challenges and opportunities for those looking to invest in a second property. Rising interest rates and construction costs are significant hurdles, especially for low to middle-income earners.
Natalie emphasises the importance of seeking multiple opinions when it comes to financial advice and the value of starting small. Real-life client stories reinforce the idea that property values can appreciate even amid uncertainties, making timely investments crucial.
The episode also delves into the concept of being an investment-minded broker, highlighting how this approach differs from traditional brokerage. Natalie discusses strategies for managing borrowing capacity and leveraging equity growth for future investments.
She explains the benefits of refinancing to access equity and the concept of equity release, providing examples of how clients can use increased property values to finance additional purchases or lifestyle enhancements.
This segment underscores the importance of working with a variety of lenders to find more flexible borrowing options and maximise investment potential.
Building a strong support team is another key topic in this episode. Natalie compares the property investment journey to a sporting team, where success is driven by a collaborative effort behind the scenes. She stresses the importance of having the right professionals, such as brokers and finance experts, and the need for trust within the team.
If trust is lacking, it may be necessary to seek new members who better align with your objectives. Natalie also discusses the common hesitation people have in changing brokers or banks, emphasising that loyalty should not come at the expense of better opportunities.
For the younger generation, property investment can be particularly challenging. Natalie highlights the differences in the market compared to previous generations and the influence of family advice. She notes that while young people are more open-minded about investment strategies like rentvesting, they often face hurdles due to outdated family expectations and misinformation from unqualified sources online. Educating oneself from credible sources is crucial in navigating these challenges.
Read More: Capital Gains Tax On Investment Property In 2024
The final segment of the episode focuses on the importance of consistent savings and financial planning. Natalie draws parallels between financial planning and disciplined fitness regimes, emphasising that consistent effort over time is essential for achieving long-term stability.
Deep dive into our latest property investment podcast with Natalie.
Identifying adverse spending habits and credit issues early on can help in devising a strategic plan for financial improvement. The discussion underscores the value of persistence and regular reassessment to ensure ongoing progress.
In summary, this episode provides a comprehensive guide to maximising your property investment potential through strategic financial planning, leveraging Stage Three tax cuts, and building a strong support team.
Natalie Elazzi’s insights and real-life client stories offer practical advice and inspiration for anyone looking to grow their wealth through property investment. Tune in to grasp the full scope of opportunities and challenges in today’s property market and take actionable steps towards a robust financial future.
Where can I listen or watch The Property Investor Playbook?
You can listen to the podcast here, watch it here or search ‘The Property Investor Playbook Liviti’ wherever you get your podcasts.
Don’t forget to subscribe to the podcast, so you don’t miss an episode!
