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Should you buy or rent in Brunswick?

By Jamil Allouche

If you're looking to find yourself a property in Brunswick, one question you need to ask yourself is, "do I want to buy or rent it?".

There is no one answer that's going to suit everyone – it all depends on your financial situation, your plans for the future and what you want from the property you live in. Here are three questions you need to consider to decide whether to buy or to rent.

How much capital do you have?

One of the most influential factors in the smorgasbord of things that influence your decision is how much cash you have available for a deposit. If you don't have enough, renting is going to be your only option. If you have saved a bit of cash, on the other hand, buying is something you may want to consider. The median house price is currently around $1,100,000 according to CoreLogic data and to buy such a property you'll need a deposit of at least $11,000.

That said, even if you have enough for a deposit, it might not be sufficient to get you a property in the location you want to be. If that's the case, purchasing an investment property, while renting your primary residence could be a more suitable option.

What is your time frame for living in Brunswick?

If you're not planning on living in the area for long, renting might be the better option.

On the other hand, if you're planning on settling down here, purchasing real estate in Brunswick could be better for your long term financial health as you'll have enough time to build some equity in your home. Renting is great for the flexibility it gives you, but if that's something you don't need, your money could be better spent going towards an asset that will appreciate over time.

What kind of property do you want?

Taking your income as given, you're generally going to be able to afford to rent a larger and better condition property than you could purchase. If your lifestyle demands a large house with many amenities, renting is probably going to serve your needs better. On the other hand, your income may be enough to get you the standard of house you want to live in, in which case your decision will have to come down to some other factors, such as those previously discussed.

For more on renting or buying in Brunswick, get in touch with a member of the Ray White team today.

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