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An insight on Who we are

Greenleaf Finance is a privately owned and independent boutique finance broking company,
specialising in mortgages, commercial loans, vehicle and equipment finance and corporate
We are highly regarded amongst existing clients and professional referrers, our head office is
located in Mt Hawthorn, Western Australia, servicing clients throughout Australia and overseas.

If you are looking for a dedicated lending specialist, you have come to the right place.

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We have a solution for all your financing requirements. Whether you are a First time buyer, a Seasoned Investor or simply looking to get a better deal on your current loan we are here to help.

Whatever step of your financial journey you are on, we will work vigorously to help you achieve your goals.

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2024’s top four tips for investment success

There a four indispensable tactics to deploy when looking to make successful property investments in 2024.

Australia is undergoing an immense period of growth while experiencing a severe housing crisis, but that should not be a deterrent from beginning or growing a property portfolio.

To reap the full benefits of an investment property, now is the time to act before prices continue to rise.

To optimise the performance of your property portfolio, there are several factors to consider.

1. It’s all about the land

Land should be your very first consideration when investing in property. Land values appreciate, while the buildings on the land depreciate over time.

Search for a large block of land with proximity to the CBD. As land sizes in Australia continue to shrink and the urban footprint expands, this is the best investment to be made in Australia.

2. Population principles

To maximise returns, find an area with higher population growth than the general population. This will ensure the property value will continue to rise and at a much faster rate than the rest of Australia.

Don’t neglect to ensure the area has good existing and promised infrastructure, as well as multiple job hubs to guarantee sustainable growth over time.

Where there is population growth, there is demand for housing, and where there are jobs, there will be population growth.

Coomera in Southeast Queensland is the perfect example of an area with sustained growth, with a population growing at 10 per cent per annum (compared to Australia’s 1.3 per cent).

Located only 45 minutes from Brisbane’s CBD, Coomera has great existing infrastructure with a Westfield, train station, theme parks and schools. Coomera isn’t short of future-planned infrastructure either, with public and private hospitals, and a new M2 highway all under construction or soon to be.

3. Potential for a secondary dwelling

As our population continues to grow, we simply don’t have enough houses for people to live in, creating a desperate need for increased density.

With building companies hesitant to invest the time and money into apartment developments we need an immediate solution. The solution is secondary dwellings.

When searching for an investment property, an added bonus is a property with enough space to construct a secondary dwelling.

Not only will you earn an additional source of cash flow, but your property will provide some relief to the housing crisis.

4. Get the most out of your home loan

With all four of Australia’s biggest banks cutting their fixed rates, many have raised the question as to whether it’s worthwhile to switch to a fixed home loan.

To come out ahead on a one-year fixed rate loan, the RBA would need to raise rates once more and then remain unchanged for the next 12 months.

It’s highly unlikely anyone would come out ahead on a 12-month fixed rate today.

The RBA provides insightful data on how much the average bank customer pays on their home loan. Use this data to keep your bank honest.

Since April 2022, the RBA has increased its rates by 4 per cent, yet the average owner-occupier home has only increased by 3.37 per cent, and average investor home loan by 3.33 per cent.

Australians have been haggling with their banks for a better rate and/or refinancing to someone else who wants their business more.

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Top three rental trends crucial to a successful property investment

Rental income is a fundamental part of a successful property investment strategy but there are three crucial factors th

at every investor should be aware of when it comes to maximising rent potential.

When it comes time to buying an investment property there is so much to consider, from capital growth potential, yields, to comparable sales.

But novice investors might overlook the importance of the state of the rental market. When it comes to investing in a property market you need to take a step back and consider the perspective of a tenant.

It is true what the news reports keep telling us, that the rental markets across Australia are at crisis levels and if you are looking to secure a tenancy, it is becoming increasingly difficult and expensive.

If you are a landlord, this is an advantageous time to increase rent and you are likely to have negligible vacancy times between tenants.

For a property investor, a booming rental market means their property is more lucrative, with a higher rental yield and strong cash flow on their property. But keep in mind that the rental market fluctuates greatly and is highly dependent on rental supply.

So, if you have a house near a new development of high rise apartments, the supply of rental properties will greatly increase at the end of the development and might bring down the demand for your property and the asking rental price.

When you are looking at the rental trends in an area, there are a few important factors to consider.

Here is a collation of the top rental trends to look out for are, and what they mean for your investment property.

Rental vacancy rates

Look to invest into locations that have less than 3 per cent rental vacancy.

This statistic means that at any given time, the average number of rental properties that are vacant is 3 per cent.

Investing in these areas means it is likely your property will have tenants leasing your property as well as a lower vacancy period between tenancies.

In fact, many areas we buy properties in have an extremely low rental vacancy rate of less than 1 per cent.

When investing into these areas you are likely to get a higher weekly rental income as well as minimise the rental vacancy times, which is important because when your property is vacant, you aren’t receiving income from your investment.

Percentage of owners vs renters locally

When buying an investment property, we look at the percentage of property owners and renters within the area and the street.

I use the 70/30 rule with a minimum of 70 per cent being owner occupiers.

The higher percentage of owners indicates that it must be a desirable place to live, providing greater potential for capital growth because there should be strong demand for your property when it comes time to sell.

This also means you will be able to achieve a higher rental amount because you know people want to live here.

For example, mining towns and areas that have a high number of fly-in fly-out workers would typically have a high rental population percentage.

Rental yields

The rental yield for the property is the amount of weekly rent achievable compared to the property’s value. It allows you to compare properties of differing rental amounts and purchase amounts.

Ultimately, the yield tells us the cash flow of the property and the ‘gearing’ of the property, which is also dependent on what debt an investor has against the property.

To achieve a better gearing, the higher the rental yield would mean the better cash flow. It is important to understand that the yield on the property is only the cash flow and is not a measure of the potential capital growth of a property.

The yield is a measure of the short-term gains from the property.

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