{"id":4932,"date":"2015-07-10T01:00:24","date_gmt":"2015-07-09T15:00:24","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=4932"},"modified":"2015-07-10T01:00:24","modified_gmt":"2015-07-09T15:00:24","slug":"the-journey-to-property-ownership-success-story-nicole-haddow","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/the-journey-to-property-ownership-success-story-nicole-haddow\/","title":{"rendered":"The journey to property ownership. Success Story – Nicole Haddow"},"content":{"rendered":"

 
\nIn today’s show we\u00a0hear a great story of a young person\u2019s journey to property ownership. There is a lot of talk about how difficult it is for your people to get a foot on the property ladder. Nicole Haddow<\/strong> might just have the answer.
\n <\/p>\n

Transcript:<\/h4>\n

Kevin<\/b>:\u00a0 I want to play you a portion of an interview that I heard Clare Blake from 4BC do just recently where she spoke to a young person who was struggling to get into the market. Her name is Nicole Haddow, and she talks about what she had to do to do just that. There are some great lessons in this. That\u2019s why I wanted to share it with you.
\nHere\u2019s what she had to say to Claire.
\nClare<\/b>:\u00a0 You decided that you couldn\u2019t really get the job you needed to get the house, so you made a few changes to how you live?
\nNicole<\/b>:\u00a0 Absolutely. I have a great job, but I had to do a couple of extra things to get myself over the line.
\nClare<\/b>:\u00a0 You say that you have a great job. Now according to Joe\u2019s philosophy, you should be able to afford a house.
\nNicole<\/b>:\u00a0 Look, I think you need to be earning an incredible amount of money to comfortably live as a home owner these days, particularly if you\u2019re single.
\nClare<\/b>:\u00a0 If you go off sick for a while, if you have problems\u2026 But now you\u2019re talking about Melbourne, aren\u2019t you? You\u2019re talking about the Bayside suburbs, a little bit south of the city.
\nNicole<\/b>:\u00a0 Yes. I\u2019m out of Bayside, Mordialloc.
\nClare<\/b>:\u00a0 Beautiful. On the water, fantastic.
\nNicole<\/b>:\u00a0 It\u2019s a lovely spot.
\nClare<\/b>:\u00a0 It is. It is a fair way from town. Do you work in the city?
\nNicole<\/b>:\u00a0 I do. I work in Richmond, which is just a couple of Ks out of the CBD.
\nClare<\/b>:\u00a0 Tell us how you did it.
\nNicole<\/b>:\u00a0 Well, I moved home with my parents just before I turned 30. I did what I would refer to as a power save, so I gave up a lot of my social life and put away almost everything I earned.
\nClare<\/b>:\u00a0 Good practice for paying that mortgage off.
\nNicole<\/b>:\u00a0 It certainly was. It was really difficult because I have a really active social life, so I had to learn to say no to things.
\nClare<\/b>:\u00a0 Well, that\u2019s one. What else did you do?
\nNicole<\/b>:\u00a0 I guess I had the luxury of being a journalist. I was still writing freelance features and generating an income while also working full time in digital media, so effectively doing two jobs for a while there. I wouldn\u2019t advise that everyone go and get a second job, but having a double income does help.
\nI also looked in areas where there wasn\u2019t an auction market, so places where you could still buy privately, which made a huge difference, because I found that auction prices were just making it impossible. You have to be a little bit careful.
\nI was also looking in January when not everybody is looking. I guess when people are selling at that time, you might be able to get something a little bit more affordable.
\nIt was really just about looking in an area that maybe not everybody was thinking about. Not all of my friends were prepared to move 25 Ks out of town. I\u2019m a long way from my family and friends, and initially, that was really difficult and I was quite isolated, but it gets easier.
\nClare<\/b>:\u00a0 The other thing that I know you mentioned in your article is that you bought with your head, not your heart, and that\u2019s something that\u2019s really difficult and encapsulated in your last response.
\nNicole<\/b>:\u00a0 It is. I\u2019ve grown to love where I live. For me, it was an investment. I live in it at the moment, but if in time I want to rent it out and move closer to the city and make my lifestyle a little bit easier, that\u2019s something that I might consider. But it was an investment first. It was not a glamorous decision, but it was one that I felt I had to make.
\nClare<\/b>:\u00a0 Is the feedback from the people who know that area making you feel comfortable that you will get some capital growth out of that over the next ten years or so?
\nNicole<\/b>:\u00a0 I think so. Even in the last year, some really great caf\u00e9s have opened nearby. I\u2019m really close to the beach. There\u2019s a train station, good schools. I believe I\u2019ve bought in a great area, and there are lots of young people doing what I\u2019ve done. They can\u2019t get in closer to town, so they\u2019re coming to join me.
\nClare<\/b>:\u00a0 Thanks for the tips. I hope that it helps some other people.
\nNicole<\/b>:\u00a0 My pleasure.
\nKevin<\/b>:\u00a0 Yes, some very good lessons there.
\nMichael Yardney joins me. Michael, I know you\u2019ve heard that interview. Some really great messages there from Nicole, aren\u2019t there?
\nMichael<\/b>:\u00a0 There are, and some great inspiration, Kevin.
\nKevin<\/b>:\u00a0 Yes. Let\u2019s have a look at a few things. Michael, what message would you give your kids about what\u2019s holding them back from getting into the market?
\nMichael<\/b>:\u00a0 Well, clearly rising prices are one of the factors, and sure, they\u2019re rising faster than wages for many people, so having a good job is important. But the other is having good money habits. Most Australians have got poor money habits. They spend more than they earn.
\nOne of the rules that I\u2019ve been trying to teach my kids is to spend less than you earn, to save some money, to invest it, keep reinvesting until you get a nest egg, a big enough deposit to start buying a property, Kevin.
\nKevin<\/b>:\u00a0 Of course, the temptations are great, Michael, aren\u2019t they, with credit cards? You can just go to any store really and get credit. It\u2019s so easy to get.
\nMichael<\/b>:\u00a0 The store cards are a real trap because they say, \u201cI\u2019m not going to charge you interest or maybe not even repayments for two years.\u201d But then all of a sudden, you get lumped with very, very high interest rates. That\u2019s an issue, Kevin.
\nI think the other one is to have a long-term goal, a long-term vision, which Nicole clearly had also. She was prepared to give up some things in the short term to reach her long-term goals. That happens with entrepreneurs, with business people, with property investors, and also with home owners. Some good lessons from her there.
\nKevin<\/b>:\u00a0 Yes. It\u2019s a great lesson, not just for young people, isn\u2019t it? It\u2019s for any age really.
\nMichael<\/b>:\u00a0 That\u2019s right.
\nKevin<\/b>:\u00a0 What else, Michael?
\nMichael<\/b>:\u00a0 I guess the other is to have realistic expectations. I think a lot of young people want the property it took their parents 40 years to be able to have in the areas, the suburbs where sometimes even their parents can\u2019t afford to buy, so start with realistic expectations.
\nThe other lesson, I think, is sometimes you may have to share with somebody \u2013 a brother or sister, a friend, or a parent \u2013 to get into the property market. Having your parents on your side, either as business partners owning the property or guaranteeing the loans, is a way to get going, too, Kevin.
\nKevin<\/b>:\u00a0 What did you think about that idea of Nicole\u2019s there where she looked at a particular area where she felt maybe she could get a bargain?
\nMichael<\/b>:\u00a0 Kevin, that comes back to what I said a few moments ago \u2013 that she didn\u2019t invest or buy in those areas of Melbourne that are the more expensive ones close to her work. She went out a bit further and had realistic expectations.
\nKevin<\/b>:\u00a0 Michael, you mentioned earlier about credit cards. What about credit history?
\nMichael<\/b>:\u00a0 I think an important lesson to learn is you have to keep yourself a clean credit history. It\u2019s too easy to sometimes forget to pay a bill, have it default, and those stay on your name for quite some time.
\nWhen you\u2019re going to get a loan, your credit history is checked through an organization called Veda Advantage. We all have a personal credit file, and if you\u2019ve had some black marks against it, that will work against you when you go for a loan.
\nKevin<\/b>:\u00a0 It would be worthwhile checking that credit file, Michael, would it?
\nMichael<\/b>:\u00a0 It definitely is. You can go to MyCreditFile.com.au.
\nAnother lesson is not to have too many credit cards, and actually cut back your credit cards a bit if you\u2019re planning to buy a property. When the banks look at your serviceability, they take into account your assets, your income, and also your expenses, and they see a credit card limit \u2013 even if you\u2019re disciplined and don\u2019t use it \u2013 as a potential expense, and so cutting back your credit card limits or getting rid of a couple of extra cards that you may not need will make you more attractive to the banks.
\nKevin<\/b>:\u00a0 Some great advice there. I want to thank Nicole Haddow, Clare Blake, and also to 4BC for allowing us to use that earlier audio.
\nMichael Yardney, to you, thank you once again.
\nMichael<\/b>:\u00a0 My pleasure, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

  In today’s show we\u00a0hear a great story of a young person\u2019s journey to property ownership. There is a lot of talk about how difficult it is for your people to get a foot on the property ladder. Nicole Haddow might just have the answer….<\/p>\n","protected":false},"author":176692471,"featured_media":4933,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10,13,25],"tags":[101],"class_list":["post-4932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kevin-turner-sponsored-channels","category-latest-story","category-sponsored-channels","tag-podcast"],"yoast_head":"\nThe journey to property ownership. 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