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Investing in real estate has long been a favoured approach for Australians looking to grow their wealth.

" ["fulltext"]=> string(5571) "

However, not all property investments are created equal, and identifying high-growth potentials is key to maximising returns.

Here’s what to look for when searching for a real estate investment with high-growth prospects.

Real estate investment: Spotting high-growth potentials

1. Emerging suburbs

High-growth potential is often found in emerging suburbs. These are areas that may currently sit under the radar but are primed for future development.

They might be characterised by new infrastructure projects, such as public transport expansions or shopping centres, which can boost property values.

Look for suburbs where the government or private sector is investing in development, and property prices are still relatively low compared to surrounding areas.

2. Demographic shifts

Demographic trends can be powerful indicators of real estate growth. Suburbs that attract young professionals, families, or retirees may experience demand that outpaces supply, driving property values up.

Monitor population growth, changes in household income, and shifts in age demographics. An increase in high-income residents or a growing population can be signs that an area is on the up.

3. Rental yield and vacancy rates

Investigate areas with strong rental yields and low vacancy rates. A high rental yield suggests a strong rental market, which can provide good cash flow.

Low vacancy rates indicate that demand for rental properties is outstripping supply, which may push rents and property values higher.

4. Zoning changes

Changes in zoning regulations can significantly impact property values. A shift from rural to residential zoning, for instance, can increase land value overnight.

Stay abreast of local council plans and proposals, and consider areas where zoning changes are likely to occur in the future.

5. Lifestyle factors

Properties in areas with attractive lifestyle factors tend to have high growth potential. This includes proximity to beaches, parks, good schools, cafes and restaurants, and other amenities.

Suburbs that offer an appealing lifestyle can attract a steady influx of buyers and tenants willing to pay a premium.

6. Market cycle timing

Understanding where a suburb is in the property market cycle is crucial. Buying at the bottom of the cycle when prices are lower and selling at the peak can maximise growth potential.

Analyse historical price trends and consider seeking advice from a property economist or advisor to identify the right time to invest.

7. Infrastructure and transport connectivity

Good infrastructure and transport links are magnets for growth. New highways, rail links, and improvements to public amenities can make a suburb more accessible and desirable. Keep an eye out for government announcements on transport and infrastructure spending.

8. Supply constraints

Areas with limited land release or strict planning controls can experience rapid price increases due to supply constraints. Waterfront locations or suburbs bordering national parks, where development is limited, can be particularly high-growth areas.

9. Economic growth

Look for areas with diverse and growing economies. Regions that are dependent on a single industry can be risky if that industry falters. However, suburbs with a mix of industries, including healthcare, education, and technology, can offer more stability and growth potential.

10. Expert opinions

Lastly, don’t underestimate the value of expert opinions. Real estate agents, property analysts, and financial advisors who specialise in property can provide insights that are not immediately apparent to the average investor. They can identify the subtle nuances that indicate an area has high growth potential.

---

Investing in real estate with high-growth potential requires research, patience, and sometimes, a bit of foresight. By paying attention to market trends, demographic shifts, and local development, investors can make informed decisions.

It’s important to perform due diligence, consider long-term trends, and not be swayed by short-term fluctuations. Remember, in real estate, time in the market is often more important than timing the market.

With careful consideration and strategic planning, investors can spot and capitalise on high-growth real estate investments.

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Investing in real estate has long been a favoured approach for Australians looking to grow their wealth.

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As the cost of living skyrockets, a forward-thinking trend is sweeping across Australia – granny flats are becoming a favoured living arrangement for older Aussies seeking comfort and proximity to family without the hefty price tag of retirement living.

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Responding to the country's financial squeeze, granny flats in backyards are allowing generations to coexist and mutually benefit from closer bonds.

VanHomes, a company specializing in relocatable expanding granny flats, has seen a surge in interest. Highlighting the practicality and financial sensibility of the arrangement, CEO Vito Russo explains, “Living in a granny flat gives older parents the best of both worlds. They can maintain their independence, but they are still in close proximity to the rest of the family." This balanced approach to living is changing the dynamic of Australian households, especially when facing the prohibitive costs associated with retirement villages.

These costs can soar up to a million dollars, alongside monthly fees, triggering families to seek alternative solutions. Russo comments on the financial benefits, “For many older Australians, the cost of entry into a retirement village is too high and even if it is possible, it leaves nothing in the back pocket for ongoing living expenses, travel or anything else.”

The recent pandemic has also raised concerns over communal living spaces. For families wary about health safety, granny flats offer a peace of mind. “The other issue is that the risks of COVID and other airborne diseases in retirement villages have been amplified over the last few years. This is concerning for many families and too big a risk,” Russo remarks.

Beyond providing a safe haven for the elderly, granny flats present a sound investment opportunity. Owners find that these structures not only reduce living costs but also boost property value. "Not only will a granny flat provide your loved ones with somewhere comfortable to live that is close by for a fraction of the price of other options, it can also add significant value to your property through its ability to generate revenue and expand your family’s living space," said Russo.

VanHomes leads the charge with their unique line of fully relocatable expanding granny flats. These innovative dwellings require minimal red tape and set up in hours, unlike traditional home extensions. Catering to diverse needs and budgets, Russo illustrates the accessible pricing: “From as little as $65,000 plus delivery, they can get a studio or for just over $100,000, they can get a two-bedroom single relocatable expanding granny flat.”

This practical approach from VanHomes addresses not only the financial concerns but also the desire for maintaining healthy, supportive multi-generational family environments. Granny flats are carving a niche as a savvy economic and emotional investment, nurturing familial ties while easing the financial burden of elder care. With careful communication and respect for privacy, Russo believes that families can create a harmonious living space that benefits all.

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As the cost of living skyrockets, a forward-thinking trend is sweeping across Australia – granny flats are becoming a favoured living arrangement for older Aussies seeking comfort and proximity to family without the hefty price tag of retirement living.

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Gone are the days when an Australian dream home seemed just within reach. The path to homeownership in Australia has extended by at least two arduous years, as revealed by the latest insights from PEXA's research.

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The findings, which shine a light on the escalating challenge facing prospective buyers, underscore the harsh reality of the country's housing market.

In New South Wales, the time it now takes to squirrel away enough for a home deposit has almost doubled from a little over four years in 2020 to nearly eight years today—an eye-watering increase of 83.2%. With sights set on Victoria, a would-be homeowner will find themselves saving for five and a half years, up from just over three years—accounting for a 64.2% spike. In Queensland, the journey has been lengthened to over five years from under four years in early 2021, up by 36.9%.

Peering into the numbers, the FY23 median home deposit amount stands at an imposing $119,969 in NSW, with Sydney scaling even higher at $145,000. Victoria's median deposit hovers at $84,723, whereas Melbourne sees a steeper $94,000. In Queensland, figures tally up to $78,143, with Brisbane marginally higher at $85,163.

Highlighting the grim picture further, deposit-to-value ratios (DVRs) have reached 20% across all eastern states. For those aiming at the more affordable homes under $500,000, the DVRs sit at 16-18%. In contrast, the premium property market—homes priced at $2 million and above—demands DVRs of 27-30%.

PEXA's Head of Research, Mike Gill, unpacks the consequences of this unfolding scenario. "With higher interest rates and rising property prices, the time to save for a deposit has increased significantly over the past few years. This has made the generational wealth gap more apparent, with younger demographics facing growing challenges to enter the property market," remarked Mr Gill.

The research found that average loan-to-value ratios (LVR) reached their zenith at around 83% at the end of 2020, amidst the COVID pandemic. This meant that home purchasers previously needed to furnish a deposit of merely 17%. Fast-forward to the present, tightened credit standards and climbing interest rates have pushed the required deposits upwards, putting additional years' worth of savings between Australians and their ideal homes.

“Our research found average loan-to-value ratios (LVR) peaked at around 83% at the end of 2020 during the onset of the COVID pandemic, meaning homebuyers needed to put down a deposit of only 17%. However, as lenders have tightened credit standards in response to increased interest rates, LVRs have trended downwards, increasing the deposits required. Coupled with high property prices, home buyers now need to work for at least two years longer to save for their home deposits," elucidated Mr Gill.

Delving deeper into FY23 findings presents a daunting vista. Across the eastern states, the total value of deposits amounted to a staggering $62.2 billion, partitioned into $27.2 billion for NSW, $20 billion for Victoria, and $15 billion for Queensland. The necessity for lenders mortgage insurance persisted in more than half of the purchases.

Moreover, while the loan-to-value ratios appeared higher among the major banks as opposed to non-major lenders, it implies that major banks may be more inclined towards borrowers with lower deposits, possibly due to the visibility of the borrower's financial background.

In the narrative of Australia's housing market, the burden of extended saving periods illuminates the widening divide between income brackets, generational equity, and the ever-lengthening Australian dream of homeownership. With this in-depth research in hand, industry stakeholders and policymakers might need to take a closer look to find ways to bridge the gap and render the pathway to homeownership a more attainable pursuit for all Australians.

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Gone are the days when an Australian dream home seemed just within reach. The path to homeownership in Australia has extended by at least two arduous years, as revealed by the latest insights from PEXA's research.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(96) "/invest-money/property/homebuyers-grapple-with-extended-savings-period-amid-affordability-crisis" ["image"]=> string(165) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1701136605/Homebuyers_grapple_with_extended_savings_period_amid_affordability_crisis_kxqamd.jpg" ["image_alt"]=> string(73) "Homebuyers grapple with extended savings period amid affordability crisis" } [3]=> object(stdClass)#8129 (57) { ["id"]=> int(18387) ["title"]=> string(75) "Hybrid development unlocks new potential for NDIS housing in metro hotspots" ["alias"]=> string(75) "hybrid-development-unlocks-new-potential-for-ndis-housing-in-metro-hotspots" ["introtext"]=> string(300) "

In a ground-breaking strategy aimed at addressing the stark imbalance between the location of Specialist Disability Accommodation (SDA) developments and the actual areas of demand, Aligned Disability Investments has paved a new path with what CEO Arthur Naoumidis calls "hybrid development."

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This innovative approach offers a crucial bridge between enticing investor involvement and tackling the urgent need for disability housing solutions in metropolitan hotspots—areas that simultaneously host a higher population of individuals with disabilities and come with a heftier land price tag.

Under the traditional model, the high costs of land in major cities have driven most SDA development to regional and greenfield locations, despite stronger demand in urban centers. However, aligned Disability Properties' (ADP) Fund's hybrid development model seeks to turn this paradigm on its head. It strikes a balance by splitting the investment between residential real estate and SDA facilities, typically working with a formula of two residential apartments for every one SDA apartment. The residential units are sold to offset the heavy land and construction debts, while the SDA portion remains within the fund, generating a stream of rental income for investors.

"The hybrid model is simple with a natural and attractive exit strategy and a high income return with the security that government benefit payments provide," explains Naoumidis, underscoring the elegance and practicality of this investment strategy.

With the promise of creating a portfolio attractive enough for institutional buyers, the ADP Fund intends to cling to the completed SDA properties. The endgame is to offer this portfolio for sale, dangling the prospect of handsome capital gains in front of potential large-scale investors and maintaining attractive income during the retention period.

Investors worried about liquidity need not fear—the model has thought it through, offering an exit option whenever the ADP Fund parts with an asset. Additionally, investors wield collective power to determine whether the fund gets another term after its initial five years.

But the benefits don't stop there. The ADP Fund is democratizing the sphere of shared SDA housing investment, previously out of reach for smaller investors and Self-Managed Super Funds (SMSFs). Thanks to the collaboration between Aligned Disability Investments and BrickX, these investors can now confidently step into this arena.

Anchored by robust numbers highlighting the investment's potential—4.3 million Australians living with disabilities and projections of service demand scaling up to 741,000 individuals by 2026—the ADP Fund promises not just diversification but a stronghold in the most lucrative rental markets, namely major cities. This focus contrasts boldly with current trends which miss the mark by overlooking the high-density urban centres.

With these powerful metrics, including the pressing need for over 2,500 additional dwellings by 2026 according to NDIS Quarterly reports, investors and financial advisers would be wise to consider the ADP Fund's SDA housing as a key component of a diversified and income-focused portfolio. The message is clear: hybrid development isn't just a savvy financial play; it's a vital answer to an urgent societal requirement.

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• Yes

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In a ground-breaking strategy aimed at addressing the stark imbalance between the location of Specialist Disability Accommodation (SDA) developments and the actual areas of demand, Aligned Disability Investments has paved a new path with what CEO Arthur Naoumidis calls "hybrid development."

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(98) "/invest-money/property/hybrid-development-unlocks-new-potential-for-ndis-housing-in-metro-hotspots" ["image"]=> string(138) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1655109741/Nestegg/article-826x550/Boutique_Brisbane_investment2.jpg" ["image_alt"]=> string(75) "Hybrid development unlocks new potential for NDIS housing in metro hotspots" } [4]=> object(stdClass)#8128 (57) { ["id"]=> int(18355) ["title"]=> string(48) "Property prices boosted by housing policies: RBA" ["alias"]=> string(47) "property-prices-boosted-by-housing-policies-rba" ["introtext"]=> string(94) "

The central bank has outlined the “pervasive” impact that policy has on property.

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Reserve Bank (RBA) assistant governor Luci Ellis has reviewed the state of Australia’s property market as the country enters the endemic stage of the COVID-19 virus.

In an address to the Urban Development Institute of Australia on Tuesday, Ms Ellis drew attention to the significant impact policies such as the government’s HomeBuilder grant have had on the market. 

“Whether it's time-limited subsidies bunching demand and boosting prices, or the interplay between low yields globally and rental yields locally, policy can have pervasive effects on housing outcomes,” she said.

Policy is particularly impactful over the short term, Ms Ellis explained, with the boost to demand driven by HomeBuilder and other temporary measures set to dissipate moving forward.

“As interest rates increase, the boost to demand from the current low interest rates will also wane. And the shifts in demand stemming from the pandemic will have worked their way through,” she added.

According to recent data, since the outset of the pandemic, the average household size has fallen and the proportion of Australians living in shared housing has remained low, resulting in increased demand.

“This helps explain why rental vacancy rates quickly returned to low levels even though the international border was closed and population growth declined to be close to zero,” Ms Ellis noted.

“Roughly speaking, the decline in population growth meant that there were up to 200,000 households that didn't arrive in Australia over the past two years, who would have done so if population growth had stayed where it was before the pandemic. But the decline in the average size of households that were already here broadly offset this.”

Shifting preferences and the rise of working from home have translated into an increased desire for more space while the importance of location has somewhat decreased.

“The relative premium paid to be closer to the city centre - both in rents and purchase prices - narrowed during the pandemic,” said Ms Ellis.

“Housing prices increased over the two years to April this year across almost all neighbourhoods in the major cities. However, in general, price increases were stronger in the outer suburbs than in inner-urban regions. The premium for being close to the centre remains, but it is much smaller now and is closer to the premium for being in a middle-ring suburb.”

However, Ms Elllis said that it is currently unclear whether these trends will persist over the longer term.

“The desire for more space further from the office might wane over time as the memories of lockdown start to fade,” she suggested.

“Not everyone who sought a ‘tree change’ in the regions will find that to be the right choice in the long term. More importantly, many of the shifts of population between locations were less a change in people's decisions than a simple interruption of the normal flows.

On the outlook for residential construction, Ms Ellis said that the temporary surge in building approvals for detached homes and renovations linked to HomeBuilder and other time-limited subsidies was expected to begin to fade.

But in the meantime, the construction industry appears to be operating at capacity, according to the RBA.

“Our expectation is that construction of new homes will remain solid for the next couple of years. The housing stock will therefore continue to expand as a result,” Ms Ellis said.

“We expect it will expand at rates similar to the first decade of this century, but not as much as during the boom in apartment building in the second half of the 2010s. This is likely to still be enough to keep the housing stock growing faster than the population.”

Australia is set for another new housing policy following Anthony Albanese’s victory in the federal election. During the pre-election campaign, Labor pitched a Help to Buy scheme in a bid to assist more Aussies into the market. 

However, CoreLogic research director Tim Lawless has warned that the shared-equity scheme is not without its risks.

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The central bank has outlined the “pervasive” impact that policy has on property.

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With Anthony Albanese sworn in as Australia’s 31st PM, home buyers are excited at the prospect of accessing the new ‘Help to Buy’ scheme, but a property expert has warned that the risks may be greater than the rewards.

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Anthony Albanese’s victory in the 2022 federal election has put Australia under a Labor government for the first time in almost a decade and what many young Aussies are now looking forward to is Labor’s promise to make housing more accessible.  

During the election campaign, the Labor government proposed a shared-equity scheme to help alleviate the housing affordability crisis.

Under the scheme, individuals earning up to $90,000, or $120,000 for couples, can access an equity contribution of up to 40 per cent of the purchase price of a new home and up to 30 per cent of the purchase price for an existing home provided they don’t already own a home and have a deposit of 2 per cent.

However, research director at CoreLogic, Tim Lawless, warned that despite the likely popularity of the scheme, it is not without its risks.

Mr Lawless referred to the scheme as a “pragmatic” policy in the context of the escalating issue of housing affordability, noting that it addresses the symptoms rather than dealing with the underlying issues head on.

According to Mr Lawless, there are several associated risks when buying a home on a small deposit that buyers need to be aware of.

“With the housing market probably heading into a downturn over the coming year or years, some buyers may find their home is worth less than the debt held against it,” Mr Lawless said.

“It’s important to know if the government will share in the downside risk if the property is sold while in a negative equity situation.”

In order to exemplify his point, Mr Lawless drew a parallel between Labor’s ‘Help to Buy’ scheme and Western Australia’s KeyStart scheme which resulted in a relatively high number of defaults during the market downturn of 2017 to 2019.

According to the expert, between January 2017 and September 2019, loan accounts in default increased from 0.92 per cent to 1.21 per cent of KeyStart accounts.

However, Mr Lawless does believe that the new scheme will contribute to more equality in rates of home ownership across income cohorts, and could create more opportunities for key workers to live in more central areas.

“Being able to share up to 40 per cent of the purchase price with the government, along with only a small deposit and opportunity to save on lenders mortgage insurance, helps to overcome several of the hurdles of home ownership,” he said.

“Keeping in mind buyers will still have to fund their transactional costs, including stamp duties, legal costs and bank fees.”

The ‘Help to Buy’ scheme kicks off in July. The number of candidates for the scheme is capped at 10,000 spots.

While the scheme will see the government take up to a 40 per cent stake in a home, buyers will be able to ‘top up’ their ownership stake once in a better financial position.

According to Labor, this would mean that for a home buyer in Sydney, buying at the maximum price cap of $950,000 with 40 per cent equity, monthly mortgage repayments would be over $1,600 cheaper.

During the pre-election campaign, the party clarified that home buyers will not be required to pay rent on the stake of the home held by the government. However, many details are yet to be confirmed particularly those pertaining to the eventual sale of the home and the division profits or potential losses.

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With Anthony Albanese sworn in as Australia’s 31st PM, home buyers are excited at the prospect of accessing the new ‘Help to Buy’ scheme, but a property expert has warned that the risks may be greater than the rewards.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(71) "/invest-money/property/labor-s-help-to-buy-scheme-not-without-its-risks" ["image"]=> string(47) "images/article-826x550/high-shot-suburbs-ne.jpg" ["image_alt"]=> string(56) "Labor’s ‘Help to Buy’ scheme not without its risks" } }