{"id":14329,"date":"2017-10-15T01:00:19","date_gmt":"2017-10-14T14:00:19","guid":{"rendered":"http:\/\/www.realestatetalk.com.au\/?p=14329"},"modified":"2017-10-15T01:00:19","modified_gmt":"2017-10-14T14:00:19","slug":"investors-not-fazed-about-bubble-talk-ben-kingsley","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/investors-not-fazed-about-bubble-talk-ben-kingsley\/","title":{"rendered":"Investors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley"},"content":{"rendered":"

Australian investors are shrugging off concerns about stricter lending conditions, property price bubbles and oversupply according to the third annual Property Investment Professionals of Australia (PIPA) Property Investor Sentiment Survey. Ben Kingsley<\/strong> –\u00a0PIPA Chair – discusses the outcomes with Kevin
\nTranscript :\u00a0<\/strong>
\n
\nKevin:\u00a0\u00a0<\/strong>Every year or thereabouts, PIPA \u2013 the Property Investment Professionals of Australia \u2013 conduct one of the largest independent surveys amongst property investors in Australia. There are other surveys that are done but they always have a bit of a vested interest. This doesn\u2019t have that; it carries a great voice for property investors.
\nIt\u2019s interesting to note that in their most recent survey, which has just been released, Australian property investors remained very bullish about the long-term benefits of residential real estate, shrugging off concerns about stricter lending conditions, property price bubbles \u2013 thank goodness \u2013 and oversupply.
\nThe third annual Property Investment Professionals of Australia \u2013 PIPA \u2013 Property Investment Sentiment survey has found a number of things. We\u2019re going to talk about those now with Ben Kingsley, who heads up PIPA.
\nBen, thanks for your time.
\nBen:\u00a0\u00a0<\/strong>Thanks for having me, Kevin.
\nKevin:\u00a0\u00a0<\/strong>Quite representative: this gets across almost a thousand property investors around Australia. What about concerns over changes to investors\u2019 lending policies? Has this been one of the key findings?
\nBen:\u00a0\u00a0<\/strong>Yes. This was new to the survey this year. We wanted to have a look at that, because there\u2019s definitely been a shift from 2016 to 2017. Now, we know that APRA with their macro-prudential regulatory changes in August of 2015, but what we\u2019ve seen is further tightening around servicing calculators, further pressure in regards to interest-only versus principal-and- interest lending, so we were keen to see where that sat.
\nThe numbers speak for themselves in regards to what we found in regards to the lending side of things, and that is there\u2019s no doubt that these sophisticated lenders are finding it a little bit more challenging to be able to get lending.
\nOne of the questions we did ask them is \u201cIs there a challenging lending environment for the past two years? Currently, do you find yourself unable to refinance an amount?\u201d
\n22% said yes, they\u2019ve basically hit a lending brick wall. 38% said no. There were 28% who were unsure, which leads me to think that they must be reasonably okay because they haven\u2019t gone looking for more funding. And 13% basically said it wasn\u2019t applicable to them, which effectively means that we have some pretty sophisticated people probably who have no debts and are enjoying the passive income from their property portfolio.
\nKevin:\u00a0\u00a0<\/strong>I noticed that interestingly, some people are still talking about a price bubble. Is it much of a concern for investors?
\nBen:\u00a0\u00a0<\/strong>Not for these investors. What we have here is because this is going out to our member databases and they are obviously talking to what we would consider established investors as opposed to the broader consumer market, we\u2019ve definitely seen that there\u2019s a maturity starting to form in the views of these more sophisticated investors.
\nThey\u2019re trying to wash that noise out, and they\u2019re getting on with the job of making sure that they move through their accumulation phase of buying one, two, possibly three properties and then retiring the debt out, looking for capital growth and also them looking for passive income to supplement their retirement.
\nKevin:\u00a0\u00a0<\/strong>Maybe I\u2019m reading this wrong \u2013 correct me if I am \u2013 but it would seem to me that a number of property investors are actually really focused on paying down a lot of debt, talking about the number of investors who are currently negatively geared and those who expect not to be negatively geared in the next 12 months. Is that a fair reading of those results?
\nBen:\u00a0\u00a0<\/strong>What I like about this result is just a reminder to all of the politicians out there as well that ultimately, negative gearing is just a moment in time. When we buy a property early on, we do need that little bit of support, just like when we\u2019re buying a business and we might take on a loan. Once we pay that loan out and we stop paying the interest, that money starts flowing through to the bottom line, and it\u2019s no different for a property investor.
\nWhat we\u2019re definitely seeing here is we probably have a few experienced investors who have been doing this for the long term and their portfolio is now positively geared. That\u2019s a real positive for me.
\n52% of investors are negatively geared, which means that 48% are neutral or positively geared, so their portfolio is generating passive income for them. And that\u2019s what we want. That\u2019s why we invest. We don\u2019t invest for speculative tax incentives; we invest for capital growth or a passive income in retirement.
\nKevin:\u00a0\u00a0<\/strong>Yes, because as you pointed out, negative gearing is not a strategy, it\u2019s a moment in time.
\nBen:\u00a0\u00a0<\/strong>It is. We hope that the politicians out there are listening to that message, because the reality is that any proposed changes to that will change the sentiment and the psychology and the confidence of investors out there, and they play an important role where state governments \u2013 if you look at the data \u2013 it\u2019s so clear that they\u2019ve gotten out of providing affordable social housing because it\u2019s very expensive for them not only to build but also to operate, so the moms and dads have stepped in and provided those services.
\nIf those moms and dads then turn to other investment classes, who\u2019s going to step in? Because that\u2019s a state government responsibility, and they\u2019re going to be asking the federal government for a higher GST to be able to support that.
\nIt has a flow-on effect, so it\u2019s really important to understand that.
\nKevin:\u00a0\u00a0<\/strong>I\u2019m talking to PIPA Chair Ben Kingsley about their most recent survey.
\nBen, did you ask investors where they\u2019re looking at investing? What are the favored areas?
\nBen:\u00a0\u00a0<\/strong>We did, Kevin. We basically looked at that, and again, for the second year in a row, we actually got Brisbane coming up with 43% of people looking to invest in Brisbane. We had 32% in Melbourne, and then we had Adelaide at 7%, Perth at 6%, Sydney at 8%, Canberra at 2%, and Hobart at 3%.
\nThe clear winner at the moment is Brisbane, and I suspect that has a lot to do with the yield story and the affordability story that is provided not only in Brisbane, but if we also venture into those Sunshine Coast and Gold Coast markets, very low vacancy rates in those markets, some good yields, and some capital growth movement. I think people are finding that.
\nKevin:\u00a0\u00a0<\/strong>Yes. Brisbane is getting a lot of good press too, coming up as the most livable city in Australia, as well. Just before I let you go, Ben, in terms of regulation, I know there\u2019s been some concern about property advice being given by certain groups of people. What are the moves there? Are you concerned about that?
\nBen:\u00a0\u00a0<\/strong>We would love regulation to be a part of the landscape. It would stop speculators from coming in, it would stop the spruikers from entering into the market, and it\u2019ll clean up effectively what makes for a good investment for the long term. At the moment, without regulation, there are a lot of property spruikers who are operating in the marketplace telling us that this is a great place to invest and potentially selling stock.
\nIt\u2019s just important to understand that, yes, the survey clearly showed that they want basically regulation. 90% of people do want the marketplace to be regulated, so that\u2019s also telling the policy makers to get behind that and try to clean up the property investment space.
\nKevin:\u00a0\u00a0<\/strong>Ben, great talking to you. Thank you very much for your time. Congratulations on the great work you\u2019re doing, and I look forward to talking to you again soon.
\nBen:\u00a0\u00a0<\/strong>Cheers, Kevin. Take care.<\/p>\n","protected":false},"excerpt":{"rendered":"

Australian investors are shrugging off concerns about stricter lending conditions, property price bubbles and oversupply according to the third annual Property Investment Professionals of Australia (PIPA) Property Investor Sentiment Survey. Ben Kingsley –\u00a0PIPA Chair – discusses the outcomes with Kevin Transcript :\u00a0 Kevin:\u00a0\u00a0Every year or…<\/p>\n","protected":false},"author":176692471,"featured_media":14330,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34,10,11,13,36,22,25,27],"tags":[101],"class_list":["post-14329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-research-topic","category-sponsored-channels","category-trends-topic","tag-podcast"],"yoast_head":"\nInvestors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/investors-not-fazed-about-bubble-talk-ben-kingsley\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"Australian investors are shrugging off concerns about stricter lending conditions, property price bubbles and oversupply according to the third annual Property Investment Professionals of Australia (PIPA) Property Investor Sentiment Survey. Ben Kingsley –\u00a0PIPA Chair – discusses the outcomes with Kevin Transcript :\u00a0 Kevin:\u00a0\u00a0Every year or...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/channels.realty.com.au\/realtytalk\/investors-not-fazed-about-bubble-talk-ben-kingsley\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty Talk\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-14T14:00:19+00:00\" \/>\n<meta name=\"author\" content=\"rolanrush\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rolanrush\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/\"},\"author\":{\"name\":\"rolanrush\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"headline\":\"Investors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley\",\"datePublished\":\"2017-10-14T14:00:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/\"},\"wordCount\":1356,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"podcast\"],\"articleSection\":[\"Finance\",\"Kevin Turner\",\"Kevin's Update\",\"Latest Stories\",\"Property Investment\",\"Research\",\"Sponsored Channels\",\"Trends\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/\",\"name\":\"Investors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley - Realty Talk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2017-10-14T14:00:19+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/investors-not-fazed-about-bubble-talk-ben-kingsley\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investors not fazed about \u2018bubble talk\u2019 \u2013 Ben Kingsley\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\",\"name\":\"Realty Talk\",\"description\":\"Your Trusted Voice For Property Investing. 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