The first step to investing in property is not buying a property but rather setting tangible goals. Kev Tran Group guides clients through a process to define their aims.

Kev Tran – Director and Principal Buyer’s Agent at Kev Tran Group – understands that the property market has evolved significantly over the last decade with the introduction of more robust responsible lending measures, and a requirement for banks to apply a minimum serviceability buffer of 3 per cent above the housing loan interest rate under APRA’s prudential framework.

Moreover, with the cash rate at a 12-year high of 4.35 per cent, it has constrained borrowing capacity for many investors.

While these factors have made property investment challenging in…