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Property Investing

Property investing considerations

PROS CONST
  • "Passive" income 
  • Tax deductions if property is owned by a human and human is working
  • Increase in property value, proportional to deposit
  • Hard to go to $0 like stonks
  • Can use proptery as collateral 
  • TAX
  • Strata (Tax deductable)
  • Council Tax (Tax deductable)
  • Mortgage fees (Tax deductable)
  • Mortgage interest (Tax deductable)
  • Water bills (Tax deductable)
  • Repairs (Tax deductable)
  • Land tax (If owned by a trust) (Tax deductable)
  • Insurance (Tax deductable)
  • Property management
  • Stamp duty on buy
  • Converyancer costs on sale

 

Property ownership

Pros Cons
  • Increase in property value, proportional to deposit
  • No land tax
  • No cappy gainz when selling
  • Can use proptery as collateral
  • Strata
  • Council Tax
  • Mortgage interest
  • Mortgage fees
  • Water Bills
  • Repairs
  • Insurance?

 

Renting

Pros Cons
  • No water bills
  • No mortgage
  • No landlord insurance
  • No strata
  • No council
  • Not stuck in one place Cons
  • Can't capture increase in value
  • Moving costs
  • Can't put nails in walls
  • Repairs can be harder
  • Renters insurance

 

 

 

 

 

 

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