If you’re investing in property, it’s important to do so the right way. And while investing in a unit or apartment can be a good financial move, there are some serious traps to watch out for.


Older apartment and unit blocks, particularly the kind that were put up in large numbers in the 1960s and 1970s, can be a good entry point for first-time investors. But make sure to get a thorough building inspection, as these types of units can suffer from potentially expensive structural problems.


Again, if you are a first-time investor, you might consider buying something quite small to begin with. Do your research on the capital growth potential of a studio or a small one-bedroom, as this may be proportionally smaller than that on, say, a two-bedroom apartment.

Block Size

Are you buying a unit in a block of 10 or a tower of 500? Remember that value is based on scarcity, so—especially if you are buying off the plan—buying in a smaller block will make you less prone to a sudden glut in the market, as well as allow you to offer a more unique option to potential tenants.

Which Floor?

When it comes to apartment blocks, property experts differ on whether a top floor, ground floor, or mid-level apartment is the better option. Ground-floor units can offer greater accessibility for those who need it, but may be less secure than those higher up. On the other hand, it’s hard to beat a top-floor apartment with a great view. The best choice will depend on a range of factors such as the size of the building, its location, whether it has a lift, and so forth. Weigh up these factors carefully.

Property Investing

For specialist property investment advice, contact Rass Global Investments.

Those investing in property will want different things from their investments. For some, property investing provides extra earnings on the side, while for others it’s their main source of income. What you get out of investing will depend on how you approach your investments and how much of your own time and money you are able to put towards them.

Property Investor

You have a full-time income, and probably already own or have a mortgage on your own home. Investing is a way for you to leverage a portion of your income to create a return for yourself through rents, to build an asset base for your retirement years, and possibly to take advantage of property depreciation rules to decrease your tax burden.

Property-leasing Business Owner

You own multiple properties and most of your income is rental income. A substantial part of your day-to-day work consists of management tasks related to your portfolio of properties.

Property-trading Business Owner

You buy properties in order to sell them for a profit in the short term – sometimes referred to as ‘flipping houses’. You are constantly on the lookout to buy properties that will yield significant growth as fast as possible, either because of fluctuations in the market as a whole or because of the changing character of particular suburbs. You may also look for properties where there is potential to add value, such as by renovating a dated bathroom or kitchen, in order to sell the property for a profit.

One-off Investor

You aren’t engaged in an ongoing property-trading business, but are undertaking essentially the same activity on a one-off basis. Taxation rules for this can vary depending on the scale of the undertaking.

Remember that the Australian Tax Office will treat your investment income differently depending on which of the above categories you fall into.

Property Investment Advice

For specialist advice on all aspects of property investing, call Rass Global Investments.

Looking to pay off the mortgage on your home or investment property faster? Here are a few tips that can help you be debt free as soon as possible.

Increase the Frequency of Your Repayments

Mortgage interest accrues daily, so making payments as soon as possible can decrease the interest accrued, even though you are still paying the same amount in total towards the mortgage. Try rearranging your payment schedule to fortnightly rather than monthly.

Make Lump Sum Payments

When you find yourself with an unexpected cash lump sum, put it towards the mortgage. Check with your lender about their rules regarding lump sum payments, as there may be limits to the amount you can pay off in this way without penalty.

Arrange a Mortgage Offset Account

A mortgage offset account is a transaction account linked to your home loan. For the purposes of calculating interest, funds in the account are offset against the value of the loan. This can save you a substantial amount of interest, especially if you are also saving for a large purchase such as a car or a holiday. Generally, there should be a minimum amount in the account at all times for an offset account to work in your favour.

Take out a Loan with Yourself

When you get a raise at work or if interest rates go down, don’t see this as extra disposable income. Instead, aim to keep putting the same percentage of your income towards the loan. This will allow you to be debt free sooner over the long term, and won’t mean any drop in your existing quality of life – it will just mean continuing to live as you have been rather than indulging in new luxuries.

Property Investment Coaching

Add a granny flat to pay off your mortgage in approx 10 years.

Do a development and pay your mortgage off in 1 year.

For more property investing advice, contact Rass Global Investments.

In this recent video from Australian Property Investor magazine, investment specialist Chris Gray talks about current trends in the Sydney property market.

The Sydney Market

In the video, Chris says that the Sydney property market is, in general, doing quite well. He says that his own investments have increased in value a little over four per cent in the last 12 months, and singles out Sydney’s eastern suburbs as an area that he personally chooses to buy in, as it’s many apartments are in constant demand.

The Impact of Interest Rates

The current low interest rates and high levels of consumer confidence are good for property investors. With the rates being at a surprising low, he says now is definitely the time to buy.

Predictions for the Near Future

For the rest of the year, Chris predicts that the market will continue to grow. The market is healthy but not booming, and Chris expects another boom in the near future because of low interest rates encouraging a lot of investors and homebuyers to get into the market.

Advice for Investors

When asked what advice he would give investors, Chris says that investing is a matter of balancing the need to be well informed about the market with the need to jump in. As Chris puts it: “If you wait for perfect knowledge, you’re never going to get it, so at some point, just jump in”.

Investment Property Advice

Worried about jumping into the deep end with property investing? Contact the investment professionals at Rass Global Investments for property investment coaching.

The popularity of units is on the rise in Sydney, which is good news for property investors seeking solid capital growth on a portfolio of cheaper properties.

Riding the Lifestyle Revolution

Recent reports suggest that the popularity of unit living in Sydney is increasing, especially in the western suburbs, as renters are prioritising low maintenance living and accessibility of the inner city over the traditional detached house on a quarter-acre block.

In 28 suburbs in New South Wales, almost all of them in Sydney, units are now offering better rental incomes than houses as a percentage of the property value. Units were once considered a necessary evil for low-income earners, but are now being viewed as a lifestyle of choice and the demand being placed on the existing supply of smaller, low maintenance accommodation options is growing.

Units in Mt Druitt, Leumeah, Macquarie Fields, Ingleburn, Auburn and Blacktown are delivering the best rents relative to property value. In all of these suburbs, annual rental yields as a percentage of property value are more than six per cent, which is sufficient for the rent charged to cover mortgage repayments and associated costs, without the investor having to cover any shortfalls.

Units in Mt Druitt are providing the best rental returns of any suburbs – 7.5 per cent per year – based on a median property price of just under $250,000. Houses in the same suburb are returning annual rents of only 5.5 per cent of property value, leaving house investors in Mt Druitt with out-of-pocket expenses to cover the shortfalls between the rent and mortgage.

Investment Properties in Sydney

For professional advice on investing in property in Sydney, contact Rass Global Investments.

There are two distinct investment options open to you when you decide to put your money in property: commercial or residential. There are benefits and downsides to each, so you need to be able to assess the potential hazards and rewards, and what kind of investment risks you’re willing to take.

Investing in a Commercial Property

In general, commercial property asks you to take higher risks but offers greater financial rewards. The tenants for a commercial property will be businesses and this means that the rental value is dependant on the health of the economy as well as the quality of the tenant.

When one tenant leaves, it can also take a long time to find a suitable replacement, meaning your investment could sit empty for a long period. Buying a commercial property also tends to be a more complex process and renovation costs are higher.

Residential Property Investments

The risks are normally much lower for residential property investments, as you are more likely to be able to fill your space quickly. You might find that your property is empty for a few weeks between tenants here and there, but high demand for residential housing means it’s unlikely to be empty for a prolonged period.

While residential properties are a lower risk investment, you will find it harder to pass on costs such as rises in utility bills when you’re bound to a rental agreement, and the return tends to be much lower than for commercial properties. However, buying in a popular area can drive your profit to higher levels.

For specialist advice on all aspects of property investing, including the pros and cons of residential and commercial lets, contact Rass Global Investments.

A senior economist claims that thanks to significant growths in office developments, hubs in Sydney’s North West have been identified as prime spots for significant growth in coming years.

Jason Anderson, senior economist at property advisory MacroPlan Dimasi, recently revealed the verdict at a conference. He suggested that several northern Sydney suburbs would enjoy a noteworthy rise in popularity, with a large amount of demand coming from young professionals.

Smart Property Investment magazine reports him saying that business hubs at Macquarie Park and North Ryde are increasingly attractive to businesses looking for alternatives to the high prices found in the city centre. Businesses relocating due to rising commercial rents will have a knock on effect on the number of individuals looking to live in the area.

University students were also highlighted as contributing to a potential boom and Mr Anderson claimed that the growth can be seen across the whole of Western Sydney and in the North West particularly.

Mr Anderson offered some advice for any property investors considering purchasing, revealing research that forecasts a rise in property prices by 5.5% per annum and a boost to rental prices by 6.5% per annum. He suggested that now might be a good time to invest.

For help assessing the merits of investing and some guidance when it comes to creating or building a property portfolio, get in touch with the expert team at Rass Global Investments. With local knowledge and many years of experience, they are perfectly placed to offer services at every stage of the investment process

Baby boomers or those in the elderly age bracket usually dominate Sydney’s high-end property sales, but Sydney has seen a notable shift towards younger buyers, with interesting purchases from a number of Sydney’s prominent youth.

Daisy Turnbull-Brown, daughter of Malcolm Turnbull, has just listed her sub-penthouse in Potts Point. Daisy and her husband, James, are expecting a baby and obviously are looking to boost funds as well as settle into their Paddington home ahead of the child’s arrival. Located in the Rockwell apartments block, it is expected to fetch over $3million thanks to its spectacular harbour views.

Elsewhere, singer Guy Sebastian and his wife are selling their four-bedroom Clovelly home for $2million. The architect-designed house on Knox Street has ocean views from the upstairs living area. The couple also bought a holiday home near Gerringong last year for $1.115million, which they subsequently renovated. Reportedly, their reason for selling in Clovelly is because they want to have a bigger garden for their young son.

Meanwhile, software entrepreneur Mike Cannon-Brookes has bought a house in Palm Beach for an eye-watering $8.7million. The 33 year-old co-founder of software company Atlassian is clearly enjoying the spoils of his success. Not bad for a guy who used $10,000 worth of credit card debt to start up his company a decade ago with a friend from university.

The combination of a number of factors, such as the ageing population and lack of affordable housing in Western Australia, have ensured that granny flats are becoming more and more popular.

These small but perfectly formed flats are quickly proving to be a preferred solution for buyers of all ages, offering an attractive alternative to flat shares. Many young families are moving back to their parent’s home to live separately in a granny flat while there are an increasing number of teenagers staying at home for longer, hoping to save up enough to invest in property.

Changes to WA’s planning laws to ensure that it’s easier for property investors and home owners to build granny flats on their property is only likely to increase demand. Before March’s election, Planning Minister John Day pledged that regulations would be amended to allow people to rent their granny flats to people who are not relatives, expanding the market significantly.

Not only will carers who are currently allowed to stay in a granny flat be able to provide round the clock care if needed, the market is likely to see a surge in the number of people renting granny flats to strangers. This could offer significant opportunities for property investors to renovate and build on their existing portfolio to maximise their profits.

Understanding the way that changes to regulations can affect house prices is crucial for anyone hoping to enter the property investment market. If you are considering making your first investment or you are looking for help in growing your property investment portfolio, be sure to get in touch with the expert team at Sydney based Rass Global Investments.

Potential property investors who have been sitting on the fence are being encouraged to take the first step, with favourable economic conditions offering numerous opportunities. For those who want to take advantage of the current climate but are unsure of how to get started, property investment companies such as Property Secrets could be the ideal solution.

Aussie executive chairman John Symond cites recent suburb statistics commissioned from RP Data when claiming that there are a number of Australian suburbs offering gross rental yields that will be higher than the cost of a mortgage. These high-return properties are most commonly found in the suburbs surrounding capital cities, with rental yields that suggest that now may be a good time for people to buy their first investment property or to add to an existing portfolio.

Mr Symond added that while housing prices are still low in a number of areas, this could be set to change. What’s more, low fixed and variable interest rates make this a good time for potential investors to consider their options.

It’s worth noting that the PR Data that Mr Symond cites primarily looks at properties that are worth less than half a million dollars, meaning it highlights the kind of homes that may suit those who are thinking about entering the market.

Property Investing in Sydney

If you’re ready to make the first move in property investing but are unsure of where to start and who to talk to, contact property investment experts, Rass Global Investments today.