Hi Zhao, great one bro! Very informative without any crap. What do you think about investing in a small apartment in Adelaide CBD that returns 3% / year ?
i just bought a home in truganina near schools 22ks to cbd 3 rooms 1 livingroom 2 toilets double garage land is rectangle 17 meter front land 490 square meters. House at 138 square meters. i paid 630k with needing small jobs like a good paint etc. I have have seen prices go up really fast there. Do you think i paid to much? Or average house is 13 years old.
Hello, thank you for a wonderful channel. May I ask what you think about semi-detached houses, torrens titled, (vs freestanding houses) in good locations? Are they a good alternative (cheaper) choice for investment if we cannot afford a detached house in the same area? Thanks!
Hi Zeng thanks for the video I've only really just started watching them and really enjoying them. One question, would you recommend a buyers agent for your first house whether it be investment or to live in?
Hi Geordie, thank you so much! I’d suggest trying it yourself first, but if you don’t have the time to research, then a BA could be a good choice. A good BA will end up saving you a lot of money
Awesome content as always Zeng. Do you think an aspiring real estate investor should buy a new duplex to take advantage of FHOG and FHSS? I'd rent out the bigger half, and live in the smaller half for the first 6-12 months. Then move out and rent both.
@Jon Y. Not really, there's no catalyst there. Supply is extremely constrained, rental vacancy is insanely low, people are flocking to the region, low interest rates remaining low, immigration about to come back, it's just not happening
@@Jay_Seeney you’re obviously not paying much attention to what’s happening in the GC Jay. The place is absolutely choking, from infrastructure that’s struggling to keep up. Every month, a new high rise is completed that’s uglier than the previous one next to it, and once the southern GC’s current projects are completed- there will be huge over-supplies of apartments (not what people want) as well as the huge decline in work that will be available for the tradies, who will start to leave before the last crane comes down. Where do you think they will go once this happens? What comes next as rates start to slowly rise? It’s off to the mines they go. I’ve seen it happen, and I suspect that’s what will happen again when things slow up. It’s easy to get caught up in the boom, which we’ve had a hell of a run.. but it’s looking to the other side of this that provides the catalyst for change that you refer too. Rates will rise, and the government are going to turn on the immigration tap too. Mark my words. 😉
Great video Zeng. Just a few questions: - Do you think you could do a video step-by-step guide on how you purchase a property e.g. getting a loan, permits, legal stuff etc. - Also, how did you purchase your first property? Was the 20% all you required in order to get a loan? Does one need other smaller assets or be a certain age etc. cheers Zeng
Thank you so much Hugh, I will add that to the list and put something together soon! I purchased my first property with a 20% deposit. As long as you have a steady income stream and a deposit, the bank should be able to lend you money for the purchase.
Very good content! Thanks for sharing your knowledge. Do you have content on using trust and how to maximise the use of trust and minimise tax? Also on how to improve your serviceability?
I am planing to buy in Cooloongup , or Parmelia, Armadale, Calista, Medina. All of them with a high rent return, are you looking at one of them as well? Or you going to hunting all good rent return suburbs with good deal price? The other question I have is Perth Median house price hasn't changed for the last 10 years, do you think it's gonna increase in the next couple of years?
Hi Joey, Those are all suburbs on my watch list! I try to get a balance of rental yield and growth.I personally believe Perth will see some good growth in the coming years.
Really enjoy your content. I'm living in Canberra and the FOMA is real here. Anything that isn't a new apartment is generally auctioned. The govt mandates around only 30% of new housing can be standalone the rest apartments and drip feeds land releases. Huge growth in anything that's not new apartment stock. Not much growth in apartments and won't be in the future with so many being built. ACT just dropped stamp duty on anything below $500k to help sell apartments no one really wants
Hi Zheng would you suggest Townsville and Rockhampton to anyone if their budget was around 320k. I loved this video a lot. It makes a lot of sense. Thanks.
Hi Zeng. all good points. that's the same strategy I use to build my own portfolio and my buyer's portfolio. Currently, Perth, SA, and Brisbane are for sure the good place to pay attention. and regional NSW is too. I haven't thought about the 491 visa benefit for Tas yet, but you made a good point there.
@@zengzhao-wealthcreation9813 You are welcome Zeng. And you also brought me some thoughts that I did not think of before. I will need to study a bit more about TAS market :)
@@taniadsouza5531 hi Tania, if I need to be honest, I can never accurately predict a peak of a market, and nobody can. but in my opinion, many regional Vic, including Geelong has already had its growth, and it may still grow. But in terms of the opportunity cost, I'd rather bring my clients to somewhere just about to rise or just started rising, rather than a place that has raised and near to the peak, and has a lot of competition, which I don't know how long we will have to wait for the next boom. But please do not take this message as there will be no suburbs growing in regional VIC. It only means I don't personally guide my client and my own money to regional VIC as I have better confidence in other places that I know better. And after all, if we invest in the long term, the most important things you need to look at are, the suburb's historical trend (proven record), demographic change (if this place will have more high incomer move in), your cash flow (can you hold the property when the bad time comes), and what you can do to manufacture some equity (any potential to "manipulate" the equity, i.e subdivision, renov, extension/granny flat etc).
Thanks Zeng for a great video. Thanks Shuai for the detailed views. Where about do you provide your buyers agents services, new or existing properties, would like to get in touch.
Hi Zeng Love your videos, thankyou for making amazing free content on finance. Just wondering, did you study business and finance at university or college? The reason im asking is because i am interested in learning finance and everything you post on your channel but was hoping you could point me in the right direction seeing as your obviously very knowledgeable in the area. Thanks and keep making amazing content!!
Hi Bonnie, I studied international business at University but to be honest, I learnt most of what I know through self education and networking/talking to like minded individuals! Thank you so much for the kind words :)
Thank you so much! Some regional centres have experienced a lot of internal migration as work from home becomes more popular. Regional centres like Ballarat and Bendigo offer great access to Melb CBD and much better affordability
Zheng you are kidding yourself if you think interest rates are going back to 6%. The world is so indebted not only would individuals be wiped out but corporates and even sovereigns would be delinquent.
@@zengzhao-wealthcreation9813 again, I stress. The world is so levered that even the slightest rise in rates would cause mass delinquencies across the board. To give this context a 60 basis point rise in the 10 years yield(US) wipes out the entire us naval spend. In short rates are never going to rising.
Hi Zeng, thanks a lot for your wonderful insights. Which regional victoria suburbs do you think would be good for rentvesting for the first time? I am currently looking into Shepperton as the prices are affordable there, and I can get a positive cash flow if I invest there. Could you please let me know your thoughts on this?
Good info! I'm thinking about buying a unit in Melbourne to live in for a few years and then eventually rent out when I leave. Is that a dangerous idea? Not a high rise but just a chill brick unit in a side street.
Hi champ, As long as you do your research to make sure there isn’t an oversupply of units in that area! Houses are my personal preference, but townhouses in great locations also make good investments 👌🏻
Thank you! It really depends on your circumstances. I’m currently maxed out but I have a lot of equity and cashflow in my portfolio to cushion any downturns
I been watching a few of your videos since a few days ago. Nice and informative. I am looking for IP in Perth, Adelaide and Brisbane. I was wondering are you someone who can help to know the suburbs to look j to? Thanks.
Awesome video and very useful information. Could you please guide me on where I can find the statistics and indicators of various regions? E.g. Average income, vacancy rate, occupation etc. I'm happy to get a paid subscription if available online. Thanks
Great content as always! Do you have any knowledge to share about buying cheap real estate overseas? I'm looking at places like Argentina and Thailand where the AUD is a lot stronger than their currency, and could be an opportunity to buy cheaper properties.
Thank you! This is a very interesting question! I have looked into Thailand and the markets are very promising and the numbers make sense. I don’t know enough about it to take action though!
Have a look at the greater Rockingham Area in WA, Demand to Supply ratios look good as per the DSR data tool, Houses are affordably and are growing each week, forthright as we speak. Location is also attractive with it being located next to the beach. Only general advice always do your own research when it comes to big investment decisions, Love the vids brother keep it up :)
Interests rates are not going back to 6%. People have so much debt that each 1% rise in rates will crush the economy. They may rise a bit in the next 5 year housing boom, but they will come back down in the Mother of all crashes in 2027. I reckon interest rates will be low for decades.
That's a great point of view champ, I hope you're right and rates stay low for decades. However,, I'm hoping for the best but preparing for the worst haha
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Hi Zhao, great one bro!
Very informative without any crap.
What do you think about investing in a small apartment in Adelaide CBD that returns 3% / year ?
What are your thoughts on the 18.6 year cycle ?
i just bought a home in truganina near schools 22ks to cbd 3 rooms 1 livingroom 2 toilets double garage land is rectangle 17 meter front land 490 square meters. House at 138 square meters.
i paid 630k with needing small jobs like a good paint etc. I have have seen prices go up really fast there. Do you think i paid to much? Or average house is 13 years old.
Hello, thank you for a wonderful channel. May I ask what you think about semi-detached houses, torrens titled, (vs freestanding houses) in good locations? Are they a good alternative (cheaper) choice for investment if we cannot afford a detached house in the same area? Thanks!
Hi zeng do you think buying house in townsville QLD is a good idea as your personal home or investment
Hi..gr8 video... which suburbs can u suggest in perth and adelaide that I could consider for 350k plus with 6 yield...
Hi Kajal, thank you!
I can provide financial advice and recommend suburbs unfortunately. Sorry!
@@zengzhao-wealthcreation9813 sorry I meant which suburb did u invest in perth if I may ask?
Thanks for the vid bro, have been looking for a content creator just like yourself.
Thank you so much for the kind feedback, I'm glad you're getting value from it :)
Hi Zeng thanks for the video I've only really just started watching them and really enjoying them. One question, would you recommend a buyers agent for your first house whether it be investment or to live in?
Hi Geordie, thank you so much!
I’d suggest trying it yourself first, but if you don’t have the time to research, then a BA could be a good choice. A good BA will end up saving you a lot of money
Awesome content as always Zeng.
Do you think an aspiring real estate investor should buy a new duplex to take advantage of FHOG and FHSS? I'd rent out the bigger half, and live in the smaller half for the first 6-12 months. Then move out and rent both.
Hi Zheng
Great video, new followers here . Just wondering if you think the upper hunter region in the hunter valley is a good investment ?
Is it possible to get a 20 year home loan in Australia now for a fixed rate of 2%?
We don’t have those in Australia, it would be great if we did!
I'm going hard in Brisbane and GC, it's got all the fundamentals
I really like those markets too! Just struggling to find a good deal in such a hot market!
@@zengzhao-wealthcreation9813 Haha Everything will be a deal looking back 10 years into the future 😉
@Jon Y. Not really, there's no catalyst there. Supply is extremely constrained, rental vacancy is insanely low, people are flocking to the region, low interest rates remaining low, immigration about to come back, it's just not happening
@@Jay_Seeney you’re obviously not paying much attention to what’s happening in the GC Jay. The place is absolutely choking, from infrastructure that’s struggling to keep up. Every month, a new high rise is completed that’s uglier than the previous one next to it, and once the southern GC’s current projects are completed- there will be huge over-supplies of apartments (not what people want) as well as the huge decline in work that will be available for the tradies, who will start to leave before the last crane comes down. Where do you think they will go once this happens? What comes next as rates start to slowly rise? It’s off to the mines they go. I’ve seen it happen, and I suspect that’s what will happen again when things slow up. It’s easy to get caught up in the boom, which we’ve had a hell of a run.. but it’s looking to the other side of this that provides the catalyst for change that you refer too. Rates will rise, and the government are going to turn on the immigration tap too. Mark my words. 😉
Thanks for all your wisdom! Subscribed! World of knowledge!
Thank you so much Vish, hoping to provide more value in the future :)
Great video Zeng. Just a few questions:
- Do you think you could do a video step-by-step guide on how you purchase a property e.g. getting a loan, permits, legal stuff etc.
- Also, how did you purchase your first property? Was the 20% all you required in order to get a loan? Does one need other smaller assets or be a certain age etc.
cheers Zeng
Thank you so much Hugh, I will add that to the list and put something together soon! I purchased my first property with a 20% deposit. As long as you have a steady income stream and a deposit, the bank should be able to lend you money for the purchase.
@@zengzhao-wealthcreation9813 is this available now? Also, keen how to check data for yields, income, demand and supply
Do you fly out to inspect properties interstate? How do you find an ideal property in areas that are interstate in unfamiliar areas?
Hi Danny, I just study the data and rely on a building inspector to write a building report to spot any issues with the property.
Very good content! Thanks for sharing your knowledge.
Do you have content on using trust and how to maximise the use of trust and minimise tax? Also on how to improve your serviceability?
Great question! But this is a question above my pay grade haha a good accountant will be able to explain all of this to you :)
I am planing to buy in Cooloongup
, or Parmelia, Armadale, Calista, Medina. All of them with a high rent return, are you looking at one of them as well? Or you going to hunting all good rent return suburbs with good deal price?
The other question I have is Perth Median house price hasn't changed for the last 10 years, do you think it's gonna increase in the next couple of years?
Hi Joey,
Those are all suburbs on my watch list! I try to get a balance of rental yield and growth.I personally believe Perth will see some good growth in the coming years.
are these mining town
Zeng I watched five of your videos today and absolutely love them.
Keep up the good work!
Wow thank you so much Francesco! My top support! 🙏🏻
Just be happy with what you have and don't screw everyone with your GREED
Thank you for your input!
Really enjoy your content. I'm living in Canberra and the FOMA is real here. Anything that isn't a new apartment is generally auctioned. The govt mandates around only 30% of new housing can be standalone the rest apartments and drip feeds land releases. Huge growth in anything that's not new apartment stock. Not much growth in apartments and won't be in the future with so many being built. ACT just dropped stamp duty on anything below $500k to help sell apartments no one really wants
Thank you for the kind feedback!
The FOMO is crazy in pretty much every market. Even Perth is starting to heat up 😬
Hi Zheng would you suggest Townsville and Rockhampton to anyone if their budget was around 320k. I loved this video a lot. It makes a lot of sense. Thanks.
Thanks so much Joanna!
To be frank, I haven’t done too much research into those areas. But if the numbers make sense, the growth should follow :)
No they are both bad
@@tassieking5716 thanks. Any suggestions from you.
Great video Zeng. I also do some of the strategies that you mentioned such as rentvesting and buy cheaper properties. New subscriber here.
Hi Zeng. all good points. that's the same strategy I use to build my own portfolio and my buyer's portfolio. Currently, Perth, SA, and Brisbane are for sure the good place to pay attention. and regional NSW is too. I haven't thought about the 491 visa benefit for Tas yet, but you made a good point there.
Hi thank you for your comment. It’s encouraging to hear that you, a professional buyers agent, have similar investment strategies as me :)
@@zengzhao-wealthcreation9813 You are welcome Zeng. And you also brought me some thoughts that I did not think of before. I will need to study a bit more about TAS market :)
Sounds like the Regional Vic is not in your list. Would you go for Geelong in this market or its already reached it's potential ?
@@taniadsouza5531 hi Tania, if I need to be honest, I can never accurately predict a peak of a market, and nobody can. but in my opinion, many regional Vic, including Geelong has already had its growth, and it may still grow. But in terms of the opportunity cost, I'd rather bring my clients to somewhere just about to rise or just started rising, rather than a place that has raised and near to the peak, and has a lot of competition, which I don't know how long we will have to wait for the next boom. But please do not take this message as there will be no suburbs growing in regional VIC. It only means I don't personally guide my client and my own money to regional VIC as I have better confidence in other places that I know better. And after all, if we invest in the long term, the most important things you need to look at are, the suburb's historical trend (proven record), demographic change (if this place will have more high incomer move in), your cash flow (can you hold the property when the bad time comes), and what you can do to manufacture some equity (any potential to "manipulate" the equity, i.e subdivision, renov, extension/granny flat etc).
Thanks Zeng for a great video. Thanks Shuai for the detailed views. Where about do you provide your buyers agents services, new or existing properties, would like to get in touch.
Hi Zeng
Love your videos, thankyou for making amazing free content on finance. Just wondering, did you study business and finance at university or college? The reason im asking is because i am interested in learning finance and everything you post on your channel but was hoping you could point me in the right direction seeing as your obviously very knowledgeable in the area. Thanks and keep making amazing content!!
Hi Bonnie,
I studied international business at University but to be honest, I learnt most of what I know through self education and networking/talking to like minded individuals! Thank you so much for the kind words :)
I love your vidio. You have some properties in tasmania. Is it possible to buy the property with online? Current situation it is not able to go there.
Thank you! It is definitely possible but very hard to do unless you know your way around the property market and have a network of experts to help you
Hi Zeng, love ur videos, very sober n informative! Why do the regional areas have housing shortage? Who r moving there? Thx
Thank you so much!
Some regional centres have experienced a lot of internal migration as work from home becomes more popular. Regional centres like Ballarat and Bendigo offer great access to Melb CBD and much better affordability
Foreign investors are buying up Sydney with laundered money, thats why your calculations dont add up.
Zheng you are kidding yourself if you think interest rates are going back to 6%. The world is so indebted not only would individuals be wiped out but corporates and even sovereigns would be delinquent.
Hi champ, it wouldn’t happen overnight, but steadily over a long period of time
@@zengzhao-wealthcreation9813 again, I stress. The world is so levered that even the slightest rise in rates would cause mass delinquencies across the board. To give this context a 60 basis point rise in the 10 years yield(US) wipes out the entire us naval spend. In short rates are never going to rising.
Launceston
Its a fast growing market!
Hi Zeng, thanks a lot for your wonderful insights. Which regional victoria suburbs do you think would be good for rentvesting for the first time? I am currently looking into Shepperton as the prices are affordable there, and I can get a positive cash flow if I invest there. Could you please let me know your thoughts on this?
Hi champ, I think Shepparton has potential but my only concern is the small population! Be sure to do lots of research before you buy there :)
I would recommend Mildura it seems to have great growth potential!
Great content! Thank you 🙏. Where do you think is a good place to invest in regional NSW right now?
Thank you Rosie! Unfortunately I can't give financial advice
Good info!
I'm thinking about buying a unit in Melbourne to live in for a few years and then eventually rent out when I leave.
Is that a dangerous idea? Not a high rise but just a chill brick unit in a side street.
Hi champ,
As long as you do your research to make sure there isn’t an oversupply of units in that area! Houses are my personal preference, but townhouses in great locations also make good investments 👌🏻
liked your video😀
Thanks for your comment :)
So many good points, mate! What are your thoughts about maxing out your capacity to buy your third?
Thank you!
It really depends on your circumstances. I’m currently maxed out but I have a lot of equity and cashflow in my portfolio to cushion any downturns
I been watching a few of your videos since a few days ago. Nice and informative. I am looking for IP in Perth, Adelaide and Brisbane. I was wondering are you someone who can help to know the suburbs to look j to? Thanks.
Thank you! I think you're heading in the right direction :) However, I'm unable to provide financial advice, sorry!
Hey Zeng Can you please make a video about how can an international student buy property or invest on it
Hi Bijay, I’ll do some research into this but it’s definitely an interesting topic!
Great info as usual mate 👍🏻 crazy prices across regional Vic now… looking broader .. bendigo seems cooked..
So I’ve been told! There are always good opportunities if we know where to look :)
@@zengzhao-wealthcreation9813 Is it a good time to invest in Bendigo or Ballarat now
Awesome video and very useful information.
Could you please guide me on where I can find the statistics and indicators of various regions? E.g. Average income, vacancy rate, occupation etc.
I'm happy to get a paid subscription if available online. Thanks
HI Vish,
The info can be found on corelogic, SQM research, census data and I also use a lot of paid sources such as RP date.
Thanks
Great content as always! Do you have any knowledge to share about buying cheap real estate overseas? I'm looking at places like Argentina and Thailand where the AUD is a lot stronger than their currency, and could be an opportunity to buy cheaper properties.
Thank you! This is a very interesting question! I have looked into Thailand and the markets are very promising and the numbers make sense. I don’t know enough about it to take action though!
Good stuff mate ☺️
Thank you Sunny! 🙏🏻
Great stuff mate!
Thank you so much Tim!
You are comparing salary for the entire NSW with house price in SYDNEY. Those who live in Sydney earn more than those in rural areas.
Fair point! Even if we added 20% to the income numbers used, it would still be a very unaffordable market
Have a look at the greater Rockingham Area in WA, Demand to Supply ratios look good as per the DSR data tool,
Houses are affordably and are growing each week, forthright as we speak.
Location is also attractive with it being located next to the beach.
Only general advice always do your own research when it comes to big investment decisions,
Love the vids brother keep it up :)
Keeping a very close eye on Rockingham my friend! One of my favourites in Perth :)
Thanks so much for the video Zeng! Really solid advice, helping us to stay composed and pragmatic during these boom times!
Thank you so much Steve :)
Interests rates are not going back to 6%. People have so much debt that each 1% rise in rates will crush the economy. They may rise a bit in the next 5 year housing boom, but they will come back down in the Mother of all crashes in 2027. I reckon interest rates will be low for decades.
That's a great point of view champ, I hope you're right and rates stay low for decades. However,, I'm hoping for the best but preparing for the worst haha