On The Couch

There is literally hundreds of topics that can be discussed in the property world – some ADF Housing Entitlements (DHOAS, HPAS and HPSEA) related; and some are available to all of us (FHOG, First Home Guarantee, Stamp Duty exemptions, tax effects). In the “On the Couch” series, Strike Property’s resident Qualified Property Investment Advisors (QPIAs) – Dan Irwin & Dane Roche – distil the key topics into the information you need. They are quick (less than 5 minutes usually) and cut through the red tape and policy documents like PACMAN – meaning everything that you need is here … or it will be soon. 

Episode 27 - Tax Agent vs Accountant

Choosing between a tax agent and an accountant depends on your specific needs and the complexity of your financial situation. Both tax agents and accountants play crucial roles in managing financial matters, but they have distinct roles and responsibilities.

Episode 28 - Ownership Structure - Buying property in a trust

Before establishing a trust, it’s advisable to consult with legal and financial professionals who can assess your specific situation and help you determine if a trust structure aligns with your goals and needs. A trust structure may be beneficial for certain individuals or entities, but it is not a one-size-fits-all solution

Episode 26 - Do I lose my housing entitlements if I buy an investment property first?

If you decide to purchase an investment property before your principal place of residence, you may still be eligible for certain grants and concessions when you eventually buy your first home. Before pulling the trigger on a purchase, ensure you have a solid plan.

Episode 25 - Is the Brisbane market overtaking the Melbourne market?

The Property Market- Melbourne versus Brisbane. This month (January 2024) the Brisbane median house price was listed on Core Logic as $787,000, whereas Melbourne only $780,000. Melbourne has always been at the top of the Australian property market, but it seems Brisbane is slowly overtaking. Why is that? Well it all comes down to the fundamentals of economics, supply and demand.

Episode 24 - Having the right team of professionals behind you

So, who constitutes the BIG4 in your property dream team?
1. Mortgage Broker
2. Conveyancer or Solicitor
3. Property Advisor
4. Accountant
Each member of this BIG4 plays a pivotal role in elevating your property journey. A weak link here could potentially constrain your progress, while a stellar team can propel you toward unprecedented success. Remember, the right team propels your property journey to new heights

Episode 23 - Using retention benefits to buy a house

Retention benefits have shown remarkable promise, offering substantial financial incentives, sometimes up to a whopping $30,000 or more. When coupled with existing grants like the HPAS or the First Home Owner Grant in Queensland, the potential pool of funds swells impressively. Picture this: a sum of $60,000 that could significantly bolster your deposit. However, while this injection of cash might seem like the golden ticket to homeownership, there’s a few crucial aspects to consider.

Episode 22 - New Master Planned Community vs Infill

The housing landscape in Australia is a tapestry woven with master-planned communities, infill blocks, and a shifting perspective on block sizes. It’s a tale of accommodating a growing population while balancing infrastructure, connectivity, and individual preferences.

Episode 21 - Finance Killers

Welcome to another insightful discussion shedding light on the hurdles that might be hindering your financial aspirations. This week, let’s dive into what could potentially impede your journey towards securing that much-desired financing.

Episode 20 - 2024 Boom and Bust Report

SQM Research have put out their 2024 Boom and Bust Report where they predict the market over the next 12 months. It may seem like all doom and gloom, but just remember, properties move in cycles.

Episode 19 - Will upgrades to your home get you more rent?

Are you considering upgrading your specifications on an investment property and are weighing up the pros and cons? It is important to consider if the selections you are making will have a huge impact on the rentability of the home. Will upgrading your tile selection, mean an extra $100 per week rent… most likely not.

Episode 18 - The ACCC- New penalties and expansion of the unfair contract terms laws

The Australian Competition and Consumer Commission have introduced new penalties and the expansion of the unfair contract terms laws to protect everyday Aussies when entering into a contract.

Episode 17 - QLD $30,000 First Home Owner Grant

The increase to the First Home Owner Grant in Queensland from $15k to $30k, means ADF members have the opportunity to get into the market sooner.

Episode 16 - Transitioning your home into an investment property

Turning your home into an investment property can provide a source of passive income, but it requires careful planning and ongoing management. Professional advice from real estate experts and financial advisors can be invaluable throughout this process.

Episode 15 - Where to avoid buying property

Location, Location, Location! Investing in property can be both an exciting and daunting experience. It’s one of the biggest decisions you’ll make in your life, so it’s important to get it right. Here are some locations we would avoid.

Episode 14 - The importance of portfolio oversight

Property portfolio oversight is essential for managing risks, optimizing returns, ensuring compliance, and building long-term wealth. It requires continuous monitoring, analysis, and strategic decision-making to maximize the benefits of property investments.

Episode 13 - Why choose Strike?

We understand that this is a very daunting experience. There are conflicting strategies and information which can be overwhelming. Strike Property has qualified and experienced professionals with a shared background and ethos dedicated to getting you on the pathway to success.

Episode 12 - How to recover from a bad investment

Have you come to the realisation that your purchase hasn’t been performing as well as you hoped? Acknowledging you have chosen a bad investment is step one in the recovery. It may be more beneficial to cut your losses and get out.

Episode 11 - Is HPSEA all it's cracked up to be?

Home Purchase or Sales Expenses Allowance (HPSEA) is an entitlement available to defence members to assist with buying and selling costs, but is it worth chasing? Unlike the DHOAS and HPAS entitlements, HPSEA can be quite vague. Don’t let HPSEA drive your decision to buy or sell, ensure it fits within your plan and you are using it for the right reasons.

Episode 10 - Tips to pay off your mortgage quicker

Don’t get stuck in the 30 year mortgage trap! Dan and Dane have some very easy tips on how to shave years off your mortgage by simply changing the frequency and amount of repayments and using an offset account.

Episode 9 - HPAS traps costing you $$$

The Home Purchase Assistance Scheme (HPAS) is an entitlement available to the ADF to assist in the purchase of a new home. Although it seems pretty straight forward, there are some rules around HPAS that we see time and time again trapping people. This could see them miss out on thousands of dollars. Or worse still – they end up being worse off by taking the entitlement. 

Episode 8 - A trip down memory lane - Saving a deposit in the 1980's

Damn the Baby Boomer Generation! They got it so easy. It only took them (on average) 2 years to save a house deposit in the 1980’s. These days, it takes up to four times that long. 

It’s easy to be disheartened when you look at the past, but this video considers what might happen if you decide to wait even longer. How long will it take you to save your deposit into the future? 

Episode 7 - Maximising the Effectiveness of DHOAS

The Defence Home Ownership Assistance Scheme (DHOAS) gets a lot of attention – and rightfully so. It is a really useful tool to use when you are accelerating towards paying your home off sooner. Using your DHOAS subsidy, you can take years off your loan and save hundreds of thousands of dollars in interest repayment. That’s not even an exaggeration. 

Episode 6 - Our thoughts on how to improve DHOAS

At the back end of 2022, there were some positive changes made to the DHOAS program. Some of the changes introduced even more ‘oversights’ in the program while there are some fundamental changes that could be made to really benefit the veteran. Are there any other ideas that you would like to see implemented? 

Episode 5 - DHOAS Frequently Asked Questions

Maximising your ADF Housing entitlements and the use of DHOAS are like fish & chips, or wine & cheese – they just go together! That is why you can’t have a discussion about property with veterans without the DHOAS program being brought up. Everyone has heard of the ‘wave top’ information – it’s a monthly contribution paid by DVA towards your mortgage with select lenders – but this video takes you deeper. 

Episode 4 - Where are Interest Rates going in 2023?

The third quarter of 2023 is when the world will end. At least that is what the economists looking for social media clicks are telling you. Why? Because that is when the days of 2% fixed interest rates will end. This episode discusses why the interest rate increase can be a good thing if you look at the bigger picture. 

Episode 3 - Salary sacrificing investment loan interest

Not too many ADF members know how to use salary sacrifice programs to benefit their circumstances. This episode won’t dissect all the options that are out there, but the pros and cons of salary sacrificing the interest payment on your investment loan is considered. Is it the right thing for you to be doing right now? 

Episode 2 - The State Of The Market (July 2023)

We have just gone through one of the most tumultuous periods ever in the property sector EVER. Builders were going bankrupt, interest rates were increasing at record speeds and all the while the economy was also experience phenomenal growth. How do all of these elements come together to affect the property market? In this episode we look at interest rates, the property cycles, growth post covid and migration.

Episode 1 - Keeping RA vs using DHOAS and HPAS.

What are the pros and cons to keeping your rental assistance provided by the ADF and purchasing an investment property, versus buying your own home utilising your Defence Home Ownership Assistance Scheme (DHOAS) and Home Purchase Assistance Scheme (HPAS)… along with using all your other state and federal government grants. 

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Don't take our word for it...

Don't take our word for it...

ADF Property

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You’ve probably heard whispers about your HPAS, DHOAS and HPSEA. You’ve probably even got some mates who have used them.

Are you ready to learn more about the Defence Home Ownership Assistance Scheme?

If you are in the ADF and decide to invest in property, it is like starting a 100m sprint already half way down the track.

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There is no denying it – DHA Investment does afford a relatively safe low-risk investment. 

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Sick of being told “go and read PACMAN” or “It’s all on the DHOAS website!”? Wouldn’t you rather just getting all the information in one spot?

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