1 COVER
2 TITLE PAGE THE FEMALE INVESTOR CREATING WEALTH, SECURITY AND FREEDOM THROUGH PROPERTY NICOLA McDOUGALL AND KATE HILL
3 COPYRIGHT First published in 2022 by John Wiley & Sons Australia, Ltd 42 McDougall St, Milton Qld 4064 Office also in Melbourne © John Wiley & Sons Australia, Ltd 2022 The moral rights of the authors have been asserted ISBN: 978‐0‐730‐39863‐9 All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above. Cover design by Wiley Disclaimer The material in this publication is of the nature of general comment only, and does not represent professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the authors and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.
4 DEDICATION Nicola — For my mum, Adrienne, and my stepmum, Vickie, for teaching me courage and kindness; for my dad, Ian, who taught me many things, including about money; and for Josh and Nichole, who gave me love and hope . Kate — for my partner in life, Jon, without whose unfailing love and support I would not be the person or investor I am today; for all the totally awesome clients over the years, both male and female, who continue to inspire me, who bring me joy, and who contribute to our giant investing family every day .
5 ABOUT THE AUTHORS ABOUT THE AUTHORS Nicola McDougall is a successful property investor, business owner, chairperson of the Property Investment Professionals of Australia, and an award‐winning journalist. She is also the former editor of Australian Property Investor magazine and the co‐founder of Bricks & Mortar Media. She has been involved in property research, analysis and reporting since 2006. Kate Hill is an award‐winning property mentor, qualified property investment adviser and buyer's agent. She has many years’ first‐hand experience researching real estate and making hundreds of successful property purchases for her clients. Many of Kate's fabulous female clients are living proof that women of all ages, backgrounds and circumstances can invest in property successfully.
6 INTRODUCTION: WHY YOU MUST ACT – NOW! THE FACTS HOW CAN PROPERTY HELP? WHY DOES IT MATTER? WHAT WILL YOU LEARN?
7 CHAPTER 1: WHO CAN HELP YOUR EXPERT TEAM
8 CHAPTER 2: HOW TO SAVE SAVING A DEPOSIT 5 SIMPLE STEPS TO SAVE A DEPOSIT THE LOWDOWN ON LOANS I CAN BORROW HOW MUCH? WHAT'S WITH ALL THE ACRONYMS? UNDERSTANDING MORTGAGE REPAYMENTS
9 CHAPTER 3: WHEN TO BUY IT'S NOT ALL ROSES AND FLUFFY BUNNIES THE GOOD BITS THE BAD BITS UNDERSTANDING MARKET CYCLES MARKET CYCLES WHY DOWNTURNS CAN BE GOOD AND BUBBLES CAN BE BAD WHY YOU MUST RESIST FOMO
10 CHAPTER 4: WHERE TO BUY RESEARCH, THEN RESEARCH SOME MORE UNDERSTANDING PROPERTY DATA CHOOSE YOUR EXPERTS WISELY THE PRINCIPLES OF SUPPLY AND DEMAND AREA SELECTION LOCATION MATTERS IS CITY OR COUNTRY BEST? 5 AREA‐SELECTION FUNDAMENTALS THE EXPERT'S GUIDE TO LOCATION 6 LOCATION METRICS TO UNDERSTAND BORDERLESS INVESTING
11 CHAPTER 5: WHAT TO BUY 5 SUBURB LOCATION METRICS TO UNDERSTAND NEIGHBOURHOOD NITTY‐GRITTY DWELLING TYPE PROS AND CONS PROPERTY PECULIARS BUT HOW DO YOU FIND OUT ABOUT ALL THIS STUFF?
12 CHAPTER 6: HOW TO BUY DOES THE BUY‐IN PRICE MATTER? WHAT ARE RECENT SALES OF SIMILAR PROPERTIES? HOW ARE PROPERTIES BEING SOLD? HOW MANY PROPERTIES ARE FOR SALE? WHAT PRICE ARE YOU GOING TO OFFER? DOES THE SELLER HAVE SPECIAL CONDITIONS? HOW DO YOU PREPARE YOUR OFFER? YOUR OFFER WAS ACCEPTED — NOW WHAT?
13 CHAPTER 7: LANDLADY KNOW‐HOW 6 REASONS WHY YOU SHOULDN'T BE A PRIVATE LANDLADY WHY GOOD PROPERTY MANAGERS ARE ROCK STARS SECURING A QUALITY TENANT DURING THE TENANCY AT THE END OF THE TENANCY HOW TO FIND A GOOD PROPERTY MANAGER HOW TO BE A GOOD LANDLADY
14 CHAPTER 8: HOW TO HOLD MAKING PEACE WITH INVESTING WHAT TO DO WHEN THE SHIT HITS THE FAN BEING READY — FOR ANYTHING HOLDING AND THEN HOLDING SOME MORE PROPERTY MANAGERS — AGAIN WHY INSURANCE IS NON‐NEGOTIABLE
15 CHAPTER 9: HOW TO IMPROVE BUDGET BLOWOUTS WHAT DO TENANTS WANT? IT DOESN'T MATTER WHAT YOU LIKE 4 SIMPLE COSMETIC RENOVATIONS MORE SERIOUS RENOS SMALL PROPERTY DEVELOPMENT
16 CHAPTER 10: HOW TO GROW PROTECTING YOUR ASSETS THE POWER OF TWO OWNERSHIP STRUCTURES HOW TO EXTRACT EQUITY
17 CHAPTER 11: WHEN TO SELL LONG‐TERM STRATEGY WHEN IS IT TIME TO SELL?
18 SOME FINAL WORDS FROM NICOLA AND KATE
19 INDEX
20 END USER LICENSE AGREEMENT
1 COVER
2 TABLE OF CONTENTS
3 TITLE PAGE THE FEMALE INVESTOR CREATING WEALTH, SECURITY AND FREEDOM THROUGH PROPERTY NICOLA McDOUGALL AND KATE HILL
4 COPYRIGT
5 DEDICATIONS
6 ABOUT THE AUTHORS ABOUT THE AUTHORS Nicola McDougall is a successful property investor, business owner, chairperson of the Property Investment Professionals of Australia, and an award‐winning journalist. She is also the former editor of Australian Property Investor magazine and the co‐founder of Bricks & Mortar Media. She has been involved in property research, analysis and reporting since 2006. Kate Hill is an award‐winning property mentor, qualified property investment adviser and buyer's agent. She has many years’ first‐hand experience researching real estate and making hundreds of successful property purchases for her clients. Many of Kate's fabulous female clients are living proof that women of all ages, backgrounds and circumstances can invest in property successfully.
7 INTRODUCTION
8 BEGIN READING
9 SOME FINAL WORDS FROM NICOLA AND KATE
10 INDEX
11 WILEY END USER LICENSE AGREEMENT
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