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How to videos and property investment tips from Empower Wealth’s experienced team.

Empower Wealth’s “How To” sessions provide a wealth of information on property investment, superannuation, market trends, and more. These videos are for everyone, including new investors and experienced investors alike.


Watch our introduction to find out more

How Michael Crossland overcomes his mental challenges every day

Listen to this episode where Michael Crossland overcame his fears of death, sickness, pain, failure, and suffering by staying present and focusing on the present moment. He found that staying active and doing some sort of movement helped immensely, as well as talking to a counsellor regularly to clear his mind.

He also discovered that helping others on their bad days made him feel better about himself. Michael really emphasizes the importance of taking action to overcome fear and seeking help when needed, as it is a sign of strength rather than weakness.

https://thepropertycouch.com.au/ep400-michael-crossland/

CGT on Knockdown Rebuild!

https://thepropertycouch.com.au/ep349-julia-tax/

Mandy, our Summer Series Guests, Words of Wisdom for the Community

From growing up with no money conversations to constantly being in “the bottom percentile” at school…

Mandy, one of our amazing 2022/23 Summer Series Guests, hustled her way to owning 7 investment properties. 😲

Tune to hear her words of wisdom, or listen to the full episode here:

https://thepropertycouch.com.au/ep420-summer-mandy/

How Can State Governments Help Housing Affordability?!

You can’t just build great homes folks…

Tune in to hear NSW Premier Dominic Perrottet on the intricacies of putting more stock on the market. .

Episode 411, give it a listen now :

https://thepropertycouch.com.au/ep411-meet-the-nsw-premier/

Tax tip: Deductibility of Interest (During reno/build)

Did you know… We’ve got these new rules where now, the investor is not going to get a deduction for interest when the property is not earning income? 😨

So what’s gonna happen if you’re renovating your investment property? 😱

Tune in to find out more.

https://thepropertycouch.com.au/ep349-julia-tax/

Why You Should Paper Trade Your Life

Folks, how do you balance all your wants AND needs in life?!

The answer is…Paper Trading!

Find out why we’re raving about Paper Trading now 👉

Listen to Episode 330 to uncover the top 10 most common FOMO mistakes investors make (Yep – the fear of missing out – it’s a dangerous force!)

https://thepropertycouch.com.au/ep330-top-10-fomo-mistakes/

What do our Past Recessions tell us about a Future Market Crash?

Is the housing market really going to crash…?? 😰 .

Let’s take a peek into Australia’s history and the recessions we’ve faced before to answer this burning question…. .

And, if you’re worried about rising interest rates, please just listen to Episode 390 – we promise it’s an anxiety-blasting session!

https://thepropertycouch.com.au/ep390-interest-rates-crash-property-market/

The Unstoppable Rise of the 20-minute City!

What do fried eggs and COVID-19 have to do with Melbourne, Sydney, Brisbane and Perth?!

Tune in to find out 😉

p.s. Let us know what you think of this analogy in the comments below!

https://thepropertycouch.com.au/ep334-bernard-salt/

How are Sellers and Buyers going to act in the Face of A Market Crash?

What does the classic Australian movie, “The Castle” reveal about Aussies and how we react in the face of crises (like a crashing housing market)? 🏰

Tune in to find out now! .

P.S. Feeling tense about rising interest rates?

Please just listen to Episode 390 for a quick breath-of-fresh-air reality check that will have you de-stressed in no time.

https://thepropertycouch.com.au/ep390-interest-rates-crash-property-market/

#1 Reason Why housing Market won’t crash

The #1 reason why the housing market won’t crash!

Worried about rising interest rates and “the whole economy crashing?!”.

Stop. And listen to these folks! 📉

Tune in now to Episode 390 for more gold on why interest rates will not crash the property market.

https://thepropertycouch.com.au/ep390-interest-rates-crash-property-market/

How to get rid of debt fast!

We’re not going to sugarcoat it folks…

There is no magic formula! There are, however, some practical steps you CAN do to get the monkey off your back! 🐒

Tune in now for some tough love from Effie!

p.s. Have you ever found yourself in debt, or are you on your way to paying it off?

Let us know how you overcame it in the comments below! p.s.s.🎙️Check out the full episode with Effie Zahos at

https://thepropertycouch.com.au/ep331-effie-zahos-money-personality/

Do Popular Drama Series influence Our Property Choices?!

Are you being sold on a property…because of what TV shows you watch?! 🤔

Has this happened to you? 📺🏠 Let us know below! 👇

p.s. Tune in to the full ep here 👉

https://thepropertycouch.com.au/ep334-bernard-salt/

Tax Consequences If You Transfer Titles Between Spouses

Is it possible to AVOID paying additional taxes when transferring titles? 💸

And what if the property is a gift to your spouse?? Tune in to fully understand the pros and cons before making the decision to transfer titles!

p.s. And if you’re looking a property-savvy tax accountant, our parent company, Empower Wealth is offering a complimentary and no-obligation initial consultation.

Learn more here: https://thepropertycouch.com.au/tax

p.p.s. 🎙Listen to Julia’s Full Episode here

https://thepropertycouch.com.au/ep349-julia-tax/

😳 Will Interest Rates Crash the Property Market?!

Are you feeling a bit jittery? 😨

Not sure about your property purchase from 12 months ago?

Delaying your next purchase? We’ve heard TOO MANY people feeling uneasy about the current market…. So here’s a late-night TPC Gold for ya. 😉 Check out this opening scene from our recent episode! Or tune in to the full episode here 👉

https://thepropertycouch.com.au/ep390-interest-rates-crash-property-market/

What Property Investors Need To Know About GST!

✨The golden rule for dealing with property GST is…

Read the GST clause in the contract! (Or get your tax accountant or solicitor to) To hear WHY it’s so important, check out this TPC Gold episode now!

p.s. And if you’re looking for a property-savvy tax accountant, our parent company, Empower Wealth is offering a complimentary and no-obligation initial consultation.

Learn more here: https://thepropertycouch.com.au/tax

p.p.s. 🎙Tune in to Julia’s Full Episode here

https://thepropertycouch.com.au/ep349-julia-tax/

Is it still relevant!?! Investment Stock vs Investment Grade

In one of our very FIRST podcast episodes (way back in 2015), we discussed whether Investment Stock or Investment Grade was better…

And 6 years later folks, we’re exploring if this principle is STILL relevant today!!

p.s Tune in to find out which capital city is an outlier, and why!

p.p.s. 🎙You can check out the full ep here:

https://thepropertycouch.com.au/ep339-federal-budget-2021/

Is Australia a good place to invest?

We’re asking our crystal ball (aka. Bernard Salt):

Will Australia continue to be the lucky country for investors? 🔮

Tune in to hear his response or listen to the full interview with Bernard Salt through the link in our bio or here 👉

https://thepropertycouch.com.au/ep334-bernard-salt/

P.s. Let us know below if you think Australia is a good place to invest!

How To Claim Borrowing Expenses!

What?? You mean you claim borrowing expenses (on top of interest expenses)?

HOW?! Tune in to learn more.

😉 p.s. And if you’re looking a property savvy tax accountant, our parent company, Empower Wealth is offering a complimentary and no-obligation initial consultation.

Learn more here: https://thepropertycouch.com.au/tax

p.p.s. 🎙Tune in to Julia’s Full Episode here

https://thepropertycouch.com.au/ep349-julia-tax/

The Critical Difference Between Repairs & Maintenance!

⚠THIS can be confusing for some….

But it’s important so make sure you get the difference right.

And if you’re not sure, clarify with your accountant before you do anything folks!

https://thepropertycouch.com.au/ep349-julia-tax/

IS The “Escape From The City” Short Term!?!

Will they move back?? And… what is the Goldilocks Zone that you should invest in?!

Watch this to find out more 😉 Or…

Tune in to the full ep here 👉

https://thepropertycouch.com.au/ep334-bernard-salt/

The Origin Of Keeping Up With The Joneses!

When it comes to property investment, data is a very valuable tool for making informed decisions. However, looking at single data measures can be dangerous, especially when it comes to something as complex as the housing market. To truly understand affordability and sustainability, we need to consider a range of factors and look at the bigger picture.

Take median house prices, for example. This is a commonly used statistic that can give us a general idea of the state of the housing market. However, by itself, it can be misleading.

Folks, in episode 437, we have the perfect guest to help us unpack all things property data, what to look for and the dangers of looking at single data measures. We sat down with Kent Lardner, one of Australia’s best and most respected property data analysts. Kent has over 30 years’ experience in the industry focusing on property data and analytics.

We will be diving deep into:

  •  The Dangers of looking at Single Data Measures
  • Looking at Median House Prices as a descriptive statistic
  • Affordability – What To Look For
  • Are Rent Rises Sustainable?
  • Kent’s craft and How it Influences his Decisions 🔣
  • And of course, unpacking everything going on in the market todayYou’re in for a massive episode today that’s full of knowledge and insights into what to look for when analysing property data!
    Here’s some of the gold we cover…

    00:00 – All the awesome stuff we’re covering today!
    02:28 – Let’s talk about reviews…
    09:24
    – Mindset Minute…. Real estate cannot be lost or stolen
    11:10 – Let’s welcome today’s guest…. Kent Lardner
    12:58 – Just some of the reasons we are so excited to have Kent on the couch!!
    13:18 – Let’s take a deeper dive into Kent’s money story growing up 15:10 – How humour in his family made growing up FUN
    21:28 – The pivotal moment where things shifted from the sale of Price Finder!! 24:12 – RBA announcement – what does it mean?
    32:07 – What does it mean for us folks when listings pause?
    34:10 – The Dangers of Single Data Measure
    34:47
    – Unpacking Suburb Medians
    35:04
    – Utilising Time Trendlines… How things change over time
    36:30
    – SA1, SA2 and SA3…. What does this actually mean?
    39:37 – What’s the big story??…
    42:31 – New stock being released and the impact it has..
    43:32 – Volatility through time..
    44:13 – Hedonic indexes and accounting for variances
    45:38
    – Buying at property level, not suburb level
    46:25 – Is the market tanking???
    46:42 – Why it is important not fall into the hysteria
    47:30 – Creating confidence in analysing the data
    47:32 – What data to analyse…
    48:36 – Prices are tough… Why to look at listings!!
    49:40 – Is a price crash looking likely?
    50:15 – AFFORDABILITY…. What to look for!
    53:02 – Why Rent rises are NOT sustainable
    56:25 – Census data or CHAT GBT?
    59:20 – What happens if markets detach from locals
    1:04:20 – Kents Evergreen Metric for long term suburb growth
    1:05:30 – How to correctly use Census data
    1:06:15 – Using employment categories to analyse data
    1:06:50 – Is it a solid rental market?
    1:15:40
    – How does mastering Kent’s craft influence his decisions
    1:16:29 – What is causing Kent’s ANALYSIS PARALYSIS And…
    1:18:00 – Thanks so much to you Kent for sharing your amazing knowledge
    1:24:00 – Lifehack: Did you know about The Apple Focus function? Tune in now or watch the episode.

    😊 Check out our newest financial features the WealthCLOCK, WealthSPEED & WealthTRACKER on the Moorr web platform https://www.moorr.com.au/, or download the app on Apple and Android.

    WHO ARE WE?
    In a casual ‘conversational’ style, Bryce Holdaway and Ben Kingsley talk all things property investing in Australia. Each week at The Property Couch, they explore relevant and topical ideas in a fun and interesting way forming a complete guide to property investing.

    From which property to buy, structuring your loan, finding the right property investment strategy to tips for bidding at an auction, Ben and Bryce aim to share their knowledge with you. Look for our podcast in the Podcasts app or in the iTunes Store.

https://thepropertycouch.com.au/ep337-four-pillars-money-health/

TAX TIP – The “Switcheroo” from IP to PPOR!

Bought an investment property and got emotionally attached to it? 💕

It happens more than you think! And there’s nothing wrong with it too. In fact, we recommend this is as a strategy for certain circumstances.

BUT the key thing is…. The tax side of things can get a little tricky. 😫

Tune in to the this TPC Gold to find out more!

p.s. And if you’re looking a property savvy tax accountant, our parent company, Empower Wealth is offering a complimentary and no-obligation initial consultation.

Learn more here: https://thepropertycouch.com.au/tax

p.p.s. 🎙Tune in to Julia’s Full Episode here

https://thepropertycouch.com.au/ep349-julia-tax/

Switching your PPOR to IP?!

You’ve got to move for a new job and decide to rent out your current place? Whoa whoa whoa… hang on. It’s not as simple as that!

Done wrongly, the consequences could be irreversible. So before you put the “For Lease” sign, check out this short video from Bryce & Julia to find out more!

p.s. And if you’re looking a property savvy tax accountant, our parent company, Empower Wealth is offering a complimentary and no-obligation initial consultation.

Learn more here:

https://thepropertycouch.com.au/tax

How to prepare for “What-Ifs”?

The best way to plan for the dreaded “What If’s”…

👊▶ Want to know how long YOUR money will ‘stretch’’ for?

Set up your free account here:

https://thepropertycouch.com.au/financialpeace

Is it ever too late to invest in property?!

Is it ever too late to invest in property?! Folks, in this short video we answer these three questions from our podcast listeners…

From Christine:
💬 If you are over 58 can you still achieve this?

From Helen:
💬 I’m 52 years old and woken up to passive income. Have I left it too late to build wealth? Have equity in my home of residence. Educating myself including a daily lunchtime dose of your podcast!! Thanks

From Jenny:
With $500k to invest and low cash flow, can this be done and how? (Ps I’m 54, single and a sole trader with only 4 months income statements, otherwise debt free).

Full Episode:

https://thepropertycouch.com.au/ep295-qanda-2k-per-week/

Make Sure You Claim These Deductions!

Watch video to find out the immediate deductions you may be able to claim THIS financial year 😉

Disclosure: the information + statements in this video are only intended as a guide to some of the important tax considerations relating to property investment.

Please seek independent tax and accounting advice from your accountant or an appropriately qualified professional.

If you don’t have an existing accountant or if you’re looking for a property-savvy tax accountant, check out our team here! 👉 https://www.start.thepropertycouch.com.au/optin-512375791634270986069

🎧 Listen to full episode with Australia’s #1 Property Tax Expert, Julia Hartman:

https://thepropertycouch.com.au/ep349-julia-tax/

🚫 Expenses Investors CAN’T Claim On Tax!🚫

Property Investors CAN’T claim everything on tax❗❗

Watch this video to find out the expenses that you cannot claim this financial year.

🚫 Also, you’ll get a ⚡ cheeky tweak ⚡ that may help you claim the costs for Seminars & Courses — thanks to Australia’s #1 Property Tax Expert, Julia Hartman!

Disclosure: the information + statements in this video are only intended as a guide to some of the important tax considerations relating to property investment.

Please seek independent tax and accounting advice from your accountant or an appropriately qualified professional. If you don’t have an existing accountant or if you’re looking for a property savvy tax accountant, check out our team here! 👉 https://thepropertycouch.com.au/tax

Listen to full ep here

https://thepropertycouch.com.au/ep349-julia-tax/

A Permanent Shift Away From Cities?

Has Covid change the appeal of the CBD… for good!?! 😲🏙 .

Some epic gold there from the one & only Simon Kuestenmacher, Co-Founder and Director of Research at The Demographics Group!

What do you think? Do you agree?

Listen to full ep here:

https://thepropertycouch.com.au/ep314-simon-kuestenmacher/

Seven Signs Growth is Slowing (Pt 2)

Is price growth OVER!?! .

Some amazing insights from Tim, right there!

Get all 7 Signs Growth is SLOWING 👇

https://thepropertycouch.com.au/ep335-tim-lawless-price-growth/

 

#tpcgold #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate #passiveincome #passiveincomestream #passiveincomeinvesting #timelawless #corelogicasiapacific #corelogic

 

 

Seven Signs Growth is Slowing (Pt 1)

Wow. Tim sure knows his numbers, right!?! 🤯📉

We suppose that’s a given when talking to the HEAD of Research at CoreLogic… AKA… the leading property data, information, analytics and services provider in Australia and New Zealand! …

Want more reasons why Peak Growth is SLOWING in the Australian Property Market?

No probs. We’ve got ya covered 👇👇

https://thepropertycouch.com.au/ep335-tim-lawless-price-growth/

Listen now – very timely stuff. Head to bio to get the link.

https://thepropertycouch.com.au/ep335-tim-lawless-price-growth/

#tpcgold #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate #passiveincome #passiveincomestream #passiveincomeinvesting

Deal Maker Vs Deal Breaker

Tip #7 on how to WIN in a hot property market…

Know the Top 3 Deal Makers and Top 3 Deal Breakers! .

Want more gold like this?

https://thepropertycouch.com.au/ep326-how-to-win-hot-market/

 

#tpcgold #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate

 

 

 

How To Predict Property Prices

It’s hard to navigate price in this hot property market…

… so what’s the BEST thing you can do to get a true sense of where the price will fall? Watch this video to find out… .

Get more insights at

https://thepropertycouch.com.au/ep326-how-to-win-hot-market/

 

#tpcgold #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate

 

Off-Market or Advanced Listings?

Do you know the difference between Off-Market and Advanced Listings?!

If not, check out this video. Definitely timely in this hot market!! 👊 🎧

Full ep:

https://thepropertycouch.com.au/ep326-how-to-win-hot-market/

#tpcgold #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate

 

Tip 4 – Get your A-Team Ready

Have you ever wondered, “Who do I need on my team?”

If so, check out this short video – we explain the experts a property investor should have as part of their A-Team!! ▶

👇 Full episode:

https://thepropertycouch.com.au/ep325-process-win-hot-market/

 

#tpcgold #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule

The Future of Melbourne’s Property Market

Scott Keck delivering the gold, once again! 💨 🎤

BEST episode!!!! Haven’t listened yet? You must!

https://thepropertycouch.com.au/ep302-scott-keck/

 

#scottkeck #melbournenian #rmitgrad #rmitgraduate #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate

Tip 3 – The Five Steps to Build Wealth

Scott Keck delivering the gold, once again! 💨 🎤

BEST episode!!!! Haven’t listened yet? You must!

https://thepropertycouch.com.au/ep302-scott-keck/

 

#scottkeck #melbournenian #rmitgrad #rmitgraduate #realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #businesspodcast #moneysmarts #bryceholdaway #benkingsley #realestatelife #sydneylife #melbournerealestate

How to ensure growth in house and land packages?

What can you do to ENSURE GROWTH if you’ve bought a House & Land Package??

Well, we might need to look at that question another way…. . .

For context – this way the Q that came in from our listener, Jarryd…

“I bought ‘house & land’ 3 years ago before I was educated. What can I do now to ensure growth?”

Full episode at

https://thepropertycouch.com.au/ep293-what-property-to-buy/

📘 Get Your SELL or HOLD Review:

https://thepropertycouch.com.au/ep293-what-property-to-buy/

#realestateinvesting #realestateinvestor #businessmindset #realestatetips #realestateinvestment #businessadvice #houseandlandpackages #houseandlandpackage #businessquotes #creativeentrepreneur #entrepreneurquote #goals #2021goals #investmentpropertytips #propertytips #propertyrule #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #audiobook #moneysmarts #bryceholdaway #benkingsley #property #realestate #realestatelife #sydneylife #melbournerealestate #realtorlife #funatwork #weloveourjobs #melbourneigers #brisvegas #radelaide #sydneysiders

 

 

 

 

Rentvesting vs Owning Your Own Home

Rentvesting vs Owning Your Own Home (and the little known “woops” folks overlook… 😬) 👇

💬 Question from Kieren 💬

Tossing up between moving into one of my rental properties as I have been renting the last twelve months after selling my last home ($1 saved is better than a dollar earned at the minute). Do you think this is a good strategy to ride out this COVID storm rather than buy right now? I want our next property to be the big rock in the jar. I also want to buy acreage, what are your thoughts on Samford Valley in Brisbane for long term Growth?

… Our Answer is in the video 📺

Go here to hear full episode

https://thepropertycouch.com.au/ep293-what-property-to-buy/

What Skills, Attributes and Actions Do Financial and Mentally Wealthy People Have and Practice?

What are the Skills, Attributes and Actions that Financially and Mentally Wealthy People have and practice?! 👇

Do you do these things to?

Listen to Jaemin’s Full Episode:

https://thepropertycouch.com.au/ep300-the-unfair-advantage/

Q&A: Passive Vs Active Strategy to Retire the Debt

Retiring Debt: The Pros & Cons of A “Passive versus Active” Strategy 🏄‍♂‍

Question from Adam Wild:

“Legends! first time caller, long time listener. What are the pros and cons of a passive vs active strategy to retire debt? What would you guys prefer given the choice to do either?” ….

What would we do???? 👇

https://thepropertycouch.com.au/ep296-qanda-2k-per-week-part2/

 

 

#thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #audiobook #moneysmarts #bryceholdaway #benkingsley #property #realestate #realestatelife #sydneylife #melbournerealestate #realtorlife #funatwork #weloveourjobs #melbourneigers #brisvegas #radelaide #sydneysiders

 

 

What’s underpinning the property market?

How accurate is this?!!😲 We had Scott Keck on our show back on 3 September 2020. And now… with an 88% auction clearance rate at last week’s Super Saturday, Scott was rather spot on with his forecast! Get more invaluable insights from Scott Keck here:

https://thepropertycouch.com.au/ep302-scott-keck/

Q&A : Should I Sell an Investment Property to Improve Cashflow?

Should you SELL an investment property to improve cashflow?!

Here’s what our listener Angela asked us…

Question: “Is it a good idea to sell an investment property to wipe out most of the mortgage on our own home and significantly improve cashflow for further investments property purchases?”

Valid Q, right? Answer: 👇

https://thepropertycouch.com.au/ep295-qanda-2k-per-week/

How Can You Do the “Adult Work”?

Are you really an adult? Age-wise, sure. …

But what about the way you think and act? This video will open your 👀

Full Episode Available Here

https://thepropertycouch.com.au/ep300-the-unfair-advantage/

#thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #audiobook #moneysmarts #bryceholdaway #benkingsley #property #realestate #realestatelife #sydneylife #melbournerealestate #realtorlife #funatwork #weloveourjobs #melbourneigers #brisvegas #radelaide #sydneysiders #thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #audiobook #moneysmarts #bryceholdaway #benkingsley #property #realestate #realestatelife #sydneylife #melbournerealestate #realtorlife #funatwork #weloveourjobs #melbourneigers #brisvegas #radelaide #sydneysiders

 

 

 

Q&A: Best Way to Find an Investment Savvy Mortgage Broker

Almost on the exact same day, two separate listeners (Sabrina and Benjamin) wrote in and asked…

“What’s the best way to find an investment savvy mortgage broker?

Well, here’s how…

🎧 Full Q&A Episode:

https://thepropertycouch.com.au/ep295-qanda-2k-per-week/

 

#thepropertycouch #thearmchairguidetopropertyinvesting #makemoneysimpleagain #audiobook #moneysmarts #bryceholdaway #benkingsley #property #realestate #realestatelife #sydneylife #melbournerealestate #realtorlife #funatwork #weloveourjobs #melbourneigers #brisvegas #radelaide #sydneysiders

Pandemic and Population: How Will it Impact Housing Demand?

Wow. Now THAT’s a solid look over the horizon! 💣 (… and from someone who’s been observing property trends for the last FIFTY years!)

“For every two people that come, we’re going to need a new dwelling.”

Get more invaluable insights from Scott Keck here:

https://thepropertycouch.com.au/ep302-scott-keck/

10 Buying Tips during a Pandemic in less than 3 minutes!

Download free report here:

https://thepropertycouch.com.au/abcdpandemic/

The property market is NOT immune to the coronavirus! So if you’re looking to buy a property at the moment, check out these 10 top tips. 👇

https://thepropertycouch.com.au/abcdpandemic/

Chances are, you’re going to start seeing WAY MORE investment STOCK coming onto the market and you might think some of these properties are “real bargains”…

BUT please… DON’T be seduced!

These will NOT be bargains, no matter how cheap they seem!

Remember: any property that seems too “cheap” is CHEAP for a reason!

So… What exactly are we going to see over the next few months, and how can you STILL invest in property and make it worthwhile?

Well, check this out..

https://thepropertycouch.com.au/abcdpandemic/

p.s. Or tune in to the full episode here:

https://thepropertycouch.com.au/ep279-foundational-pillars-pandemic/

 

Three Simple Money Tips during a Pandemic

Time to sharpen your money skills folks!! 🦸‍♀️🦸‍♂️

https://thepropertycouch.com.au/ep279-foundational-pillars-pandemic/

How much are you spending these days? Are you spending 10% – 30% less? How much surplus do you have? How long will it last? Have you combed through your expenses?

NO?! 😱

Here are some of the top tips we shared back in Episode 279 that might help you.

And of course, if you have any simple and/or creative money tips and hacks for current times, please share it with us!

P.s. Tune in to the full episode here:

https://thepropertycouch.com.au/ep279-foundational-pillars-pandemic/

P.p.s. Download a free copy of our best seller book, Make Money Simple Again here: https://www.makemoneysimpleagain.com.au/

 

 

How to build a habit and how to break one with James Clear

So… who do you wish to become? 😉

https://thepropertycouch.com.au/ep261-james-clear-atomic-habits/

As James Clear said, “Every action you take is a vote for the type of person you wish to become.”

We thought this might be a good time to think about this question so here’s a snippet of a chat with James last year on the Science of How Habit Works where he unpacked..

👉 What is an identity change

👉How to build a habit and how to break one?

👉 The Four Laws of Behaviour Change Tune in to this episode to learn more:

https://thepropertycouch.com.au/ep261-james-clear-atomic-habits/

Bushfire Crisis, Coronavirus & Economic Outlook

Just a snippet from Ben’s RBA Commentary today.

RBA held cash rate at 0.75% folks! Tune in to today’s episode to find out more.

 

 

Goals vs Systems with James Clear

“You do not rise to the level of your goals. You fall to the level of your systems.” ― James Clear, Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones Why is this important and how are goals and systems different from each other? Tune in to find out more in this #TPCGOLD!

https://thepropertycouch.com.au/ep261-james-clear-atomic-habit

The BIGGEST Money Management Challenge You Need To Overcome

So how do you convince your partner to adopt Money SMARTS?

https://thepropertycouch.com.au/ep252-property-game-changer-2/

If you are part of our Make Money Simple Again Facebook Group, then you would have seen this question: “What’s your biggest money management challenge?” Quite a few of you say it’s your significant other and we get it. We’ve been there as well!

So, this time on #TPCGOLD, we are sharing some tips on how to get your partner on Money SMARTS without causing stress on your relationship! Tune in now to find out more.

And if you want to listen to the rest, tune in to Episode 252 here:

https://thepropertycouch.com.au/ep252-property-game-changer-2/

p.s. Want to learn a little bit more on how to implement Money SMARTS better and more effectively, then download our Free e-Book here: https://www.makemoneysimpleagain.com.au/ p.p.s. And if you’re a visual person and like to see a snapshot of your financial position, then make sure to create your free account in our Money SMARTS Platform here:

https://www.moorr.com.au/optin-567554001666053708318

 

 

How to Hack Your Money Habits in TWO Simple Steps

Been listening to our Summer Series but still not sure how to start implementing Money SMARTS? Just follow these TWO STEPS right now.

https://www.moorr.com.au/optin-567554001666053708318

We know it can be pretty daunting. To start implementing a new money management system and you’re not sure if it’ll work. If you’ve implemented other systems before, you’re probably thinking to yourself… not another one.

Will this even work? Well, we can’t guarantee it 100% but we know for sure… if you don’t do anything at all, there’s a 100% chance that nothing’s going to change.

So… if you’re ready for a change in your money habits. If you’re ready to trap more surplus. And you’re ready to get your spending habits in control, then get started today with these two steps.

p.s. If and ONLY IF, you want to learn a little bit more on how to implement Money SMARTS better and more effectively, then download our Free e-Book here: https://www.makemoneysimpleagain.com.au/

p.p.s. And if you’re a visual person and like to see a snapshot of your financial position, then make sure to create your free account in our Money SMARTS Platform here:

https://www.moorr.com.au/optin-567554001666053708318

5 Things That Will NOT Change in Property Investing In The Next 10 years

With a new decade coming very soon… we thought it’d be a good time to share this TPC GOLD.

https://thepropertycouch.com.au/ep251-not-change-property-investing/

So… What WILL NOT change in property investing in the next 10 years? Tune in to Episode 251 now to find out the rest!

https://thepropertycouch.com.au/ep251-not-change-property-investing/

p.s. This episode is inspired by a quote from Jeff Bezos, Founder of Amazon.com.

Here’s the quote! “I very frequently get the question: ‘What’s going to change in the next 10 years?’ And that is a very interesting question; it’s a very common one. I almost never get the question: ‘What’s not going to change in the next 10 years?’ And I submit to you that that second question is actually the more important of the two — because you can build a business strategy around the things that are stable in time. … [I]n our retail business, we know that customers want low prices, and I know that’s going to be true 10 years from now. They want fast delivery; they want vast selection. It’s impossible to imagine a future 10 years from now where a customer comes up and says, ‘Jeff I love Amazon; I just wish the prices were a little higher,’ [or] ‘I love Amazon; I just wish you’d deliver a little more slowly.’ Impossible. And so the effort we put into those things, spinning those things up, we know the energy we put into it today will still be paying off dividends for our customers 10 years from now. When you have something that you know is true, even over the long term, you can afford to put a lot of energy into it.” ― Jeff Bezos

 

 

How To Review Your Property Portfolio

So… when’s the last time you reviewed your property portfolio?

https://thepropertycouch.com.au/ep247-property-portfolio/

We’ve seen a fair share of portfolios in our daily roles. Some are outstanding and some can be improved on. And then some… should just start from scratch again.

But it all starts with a review. So here are the top tips from Ben, a Qualified Property Investment Advisor and the Property Investment Advisor of the Year 2013 & 2015 (AND partner of the Property Investment Advisory Firm of the Year 2018 & 2019)!

Want more? Tune in to the full episode here:

https://thepropertycouch.com.au/ep247-property-portfolio/

7 of the 138 Changes that Investors Need To Know 🤯🤯🤯

Are you aware of the 138 changes from the VIC Residential Tenancies Amendment Bill? 🤯

https://thepropertycouch.com.au/ep248-residential-tenancies-hayley-mitchell/

We’re talking about the change in insurance, bonds, modifications to the property, locks, rental increases and more. There are quite a few there and if you’ve missed our recent episode with Hayley Mitchell, here are just 7 of the 138 changes. In fact, some of them are already in place! Make sure you book in a chat with your property manager to discuss the impact these changes/proposed changes will have on your property and if there are any modifications that you’ll need to implement in the foreseeable future.

p.s. If you don’t have a property manager then chat with a qualified and experienced professional before making any financial decisions.

p.p.s. And of course, if you want to check out the full episode, here’s the link:

https://thepropertycouch.com.au/ep248-residential-tenancies-hayley-mitchell/

How To Go From ONE Property To TWO!

You’ve bought your first property xx years ago. Now what?

https://thepropertycouch.com.au/ep247-property-portfolio/

Is it time to move on to your next property? If so, when and what should you look for? For those of you who are curious about adding another property in your portfolio, here are some highlights from Episode 247! Enjoy! 🙂

p.s. And if you want to listen to the rest of it, just tune in here:

https://thepropertycouch.com.au/ep247-property-portfolio/

Will you have enough to retire comfortably?

Retirement might seem so far away but the planning stage starts early folks!

https://thepropertycouch.com.au/ep247-property-portfolio/

We often get asked… “How much do I need at retirement? When can I retire?” These are really good questions and we encourage about this early. So… here’s what we said back in Episode 247! p.s.

And if you want to listen to the rest of it, just tune in here :

https://thepropertycouch.com.au/ep247-property-portfolio/

How does it feel like being a property investor?

Do you sometimes feel like you’re swimming upstream as an investor? 🏊‍♀️🏊‍♂️

https://thepropertycouch.com.au/ep247-property-portfolio/

Yes, it’s all about the numbers. But it can also be a mental game!

Here’s a snippet from ep 147 when Bryce and Ben talked about investing for those who are busy raising a family, holding down a career, time poor or a current investor.

Wanna tune in to the episode? Here’s the link folks!

https://thepropertycouch.com.au/ep247-property-portfolio/

Buying your 1st property? DO NOT Forget These 5 Tips!

Don’t worry, your first is often the hardest one.

https://thepropertycouch.com.au/ep246-real-estate-101/

Trust us, we’ve chat with and helped thousands of investors and it’s 99% of the time. Their first property is the hardest… It makes complete sense though! You’ve never experienced it before, you don’t know what to expect, no amount of checklist will help you calm your nerves, you’re constantly doubting yourself and heaps more. But once you’ve gone through the first one (the right way of course), you’ll find that the process is not as scary as you thought.

So if you’re on your journey to buy your 1st property and aren’t quite sure, here’s the top 5 tips that you should not forget!

p.s. Want more tips? Tune in to the full episode here:

https://thepropertycouch.com.au/ep246-real-estate-101/

(How to) Borrowing Power 101 – How much do you know?

Getting access to finance, aka lending, is crucial when you’re a property investor. But how much do you know about borrowing power in the first place? 😉

Here’s a snippet of our new video on Borrowing Power 101! Bryce and Ben also chat about…

✅ The Players – Who’s involved and what role do they play?
✅ The Criteria – How is the bank assessing you as a borrower?
✅ The Products – What loan packages are available and which one should you go for?
✅ The Structure – What’s the ideal loan structure if for a home vs an investment?

https://thepropertycouch.com.au/ep244-borrowing-power-2019/

Beginner’s Guide to Property Development

So much GOLD from Peter’s episode, 12 Steps To A Profitable Property Development with Peter Koulizos a few weeks back! 💯

Here are the first 7 steps folks and if you’re curious to find out the remaining 5 steps here!

p.s. Even if you’re not interested in property development, there are still heaps other tips in this episode! 😉

https://thepropertycouch.com.au/ep241-12-steps-to-a-profitable-property-development/

Three Things to look for when buying an established apartment

Previously, we uploaded the three must-do’s when you’re buying a brand new apartment. This time, we’re listing out the three must-do’s when you’re buying AN OLDER apartment aka a flat!! 😉

http://ropertycouch.com.au/ep240-high-rise-apartments-buyers-beware/GW91dpZnj14

If you’re not sure how to approach this, Ben and Bryce even threw in a bit of a role play at the end!

p.s. Want to listen to the full episode? Here’s the link:

https://thepropertycouch.com.au/ep240-high-rise-apartments-buyers-beware/GW91dpZnj14

#TPCGOLD #Friyay #EstablishedApartments

 

Delayed Gratification

Tune in to Susan’s full episode here:

https://thepropertycouch.com.au/ep239-susan-alberti-footy-lady-delayed-gratification/

We’ve talked about delayed gratification many times on the podcast but it’s nothing compared to Susan Alberti’s story!

https://thepropertycouch.com.au/ep239-susan-alberti-footy-lady-delayed-gratification/

If you haven’t listened to it yet, please do check it out. You will not be disappointed!

p.s. Susan’s Book Giveaway ends tomorrow folks! Make sure to join for a chance to win her book, The Footy Lady: The Trailblazing Story of Susan Alberti. 😉

https://thepropertycouch.com.au/ep239-susan-alberti-footy-lady-delayed-gratification/

(Free Report) Declined? What’s next….

What is Negative Gearing and Why It’s NOT a Strategy?

We often hear people saying….

I would like to investment in property. My strategy is Negative Gearing.

Let’s put an end to this. Negative Gearing is NOT a strategy. It’s a tax outcome and for anyone to invest in property purely for negative gearing or for tax purposes is just simply foolish.

Ben explains more in this How to Video

Read the blog article: What is Negative Gearing and Why It’s NOT a Strategy?

Why Should You Use a Buyers Agent?

Have you ever wondered…

“How much is as Buyers Agent?”

or, better yet…

“Is a Buyers Agent even necessary?”

If you’ve asked yourself either of these questions, or others like them then we think you’ll definitely find it useful to check out Bryce’s How To video.

The reason why is simple…

You’re not alone in this thought process!!

Read the blog article: Why Should You Use a Buyers Agent?

Is Rent Money Dead Money?

What do you think,
… is Rent Money really Dead Money???

Here’s what we think. And To give you an idea, there’s only ONE exception to the rule…
… and if you’re renting, or thinking about renting, you can’t afford to get this one thing wrong :/

Read the blog article: Is Rent Money Dead Money?

The Secret Revealed: Should You Buy For Capital Growth or Yield?

Have you ever wondered…

“Should I buy for capital growth or yield??”

If you have, then you should check out Bryce’s How To Video!

Why?

Simple. He’ll give you the answer… Plus, he’ll let you in on what a typical portfolio might look like for our own clients… because there’s a time for capital growth and a time for yield.
Not sure when the correct time is? All good, he’ll explain it in detail here.

Read the blog article: The Secret Revealed: Should You Buy For Capital Growth or Yield?

Negative Gearing – What is it and why it’s not an investment strategy?

We’ll be answering your questions on Negative Gearing folks!!

https://thepropertycouch.com.au/negative-gearing-video-series/

In the meantime, this #TPCGold from Ben might be able to help you understand the basics of Negative Gearing a little bit more and why we’re so adamant that it’s not an investment strategy! 😡😡😡

This is part of the Negative Gearing video series that Ben has put together as well. If you would like to be notified when the video is available… Let us know here :

https://thepropertycouch.com.au/negative-gearing-video-series/

#NegativeGearing101

The Products

The Players

Renovating for Profit: Is it still possible in this market?

Is renovating risky in 2019? 😱

https://thepropertycouch.com.au/ep213-jane-slack-smith-renovation-strategy-2019/

Well, with the market moving as it is now, it’s fair to say that the general sentiment is pretty low. But is this the time to follow Warren Buffett’s famous quote, “Be fearful when others are greedy and be greedy when others are fearful.”?

Jane will let you know in just 70 seconds. 😉

She shared some of her renovation tips for 2019 as well! Make sure tune in to the episode here :

https://thepropertycouch.com.au/ep213-jane-slack-smith-renovation-strategy-2019/

Trail Commission: What is it and how does it impact you?

If you missed our previous episode and is wondering what’s all this fuss about Trail Commission, here’s a quick explanation for you! 😉

p.s. And if you disagree with the RC banning the trail commission, keep the competition alive here: https://www.keepcompetitionalive.com.au/

p.s. Typo on the transcript folks! At 8 seconds, it should be 0.15% – 0.2%.

 

The Struggle is Real for Firsties!

Felt like we haven’t been talking much about First Home Buyers for a while so here’s a #TPCGold for all the Firsties out there! 😉

https://thepropertycouch.com.au/summer-series-jack-henderson/

Yes, it can be hard to save for a deposit. It can be hard to buy a property that ticks all the boxes.

But it’s also a choice.

Sacrifices and compromises are needed in life and getting on the property ladder is no different.

Remember one of our guests from the Summer Series, Jack Henderson who got expelled at 15 but still managed to build a portfolio of 3 properties by the age of 22?

It’s hard, but is it NOT impossible! So if you are looking to buy your first home or if you know someone who is trying to get on the property ladder, make sure you share this 60 seconds tip with them! 👍

p.s. Check out all our Summer Series episode here:

https://thepropertycouch.com.au/summer-series-jack-henderson/

Shares vs Property – Can you handle the heat?!

Yup, it’s this question again. Shares vs Property. 🙄

https://thepropertycouch.com.au/ep-222-biggest-challenges-market-downturn/

If you’ve seen/heard Paul Clitheroe’s episode, you’d know that it doesn’t matter which one you pick. But this question does pop up every once in a while.

That is why Ben dived a little bit deeper in this #TPCGOLD and talks about what to expect if you are investing in shares.

Find out more in the full episode today!

https://thepropertycouch.com.au/ep-222-biggest-challenges-market-downturn/

#SharesvsProperty

Ben Kingsley’s Money Story

That marks the end of our 7-Weeks long Summer Series folks! But don’t worry, you can still tune in to each and every one of them on our website.

A BIG thank you to Jack, John, Jill, Fiona, Jordan and Lindsay for being so honest, brave and transparent with us!! 🙌

We’ve received a lot of great feedback on the Summer Series especially on the listeners’ stories so we’ll definitely do this again. 😉

p.s. And if you want to hear more of Ben’s Story, tune in to the episode here:

https://thepropertycouch.com.au/ep197-embarassing-true-stories/

Bryce Holdway’s Money Story

It’s Tuesday tomorrow but there’ll be no new episodes cause Summer Series has ended! ☀️🌤⛅️🌥☁️

https://thepropertycouch.com.au/summer-series-2018-19/

Hope you’ve enjoyed tuning in to our Summer Series for the last SEVEN WEEKS! It’s certainly one of our longest series ever but we’ve enjoyed every bit of it.

Now, we don’t want to leave you hanging. So here’s a short clip on Bryce’s Money Story back in Episode 197.

And if you want to hear more of it, tune in to the episode here:

https://thepropertycouch.com.au/summer-series-2018-19/

Do not be lazy with LMI

A month ago, we posted a TPC Gold on being afraid of LMI. And this time, we’re talking about saving every dollar you’ve got when it comes to it.

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

We get it. Lenders Mortage Insurance can be confusing. But this shouldn’t be an issue if you’ve got an investment savvy mortgage broker.

Make sure your broker is on top of things and tell them not to round up the loan for the sake of rounding up! 😂

Why? Ben will tell you this in less than 2 minutes!

p.s. Want to learn more? Bryce and Ben talked about nine ways to navigate the credit crunch here

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

Borrowing Strategy & Chess?!

Property Investing is a game of finance.

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

People often get emotional when it comes to investing in property which is absolutely understandable. It’s shelter and is a form of basic needs.

But DO NOT be confused. It is an investment after all and you need to be strategic around it. Much like a game of chess! 🤓

Not sure how they are the same? Tune in to find out more now!

p.s. Want to learn more? Bryce and Ben talked about nine ways to navigate the credit crunch here

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

Are you missing out on the best time to buy?

Why your Credit Score needs to be squeaky clean?

Do you know the difference between Negative and Positive Credit Scoring?

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

The Lenders are getting more and more stringent with their checks on spending folks and it’s important that you…
✅Make sure your bills are paid on time
✅ Control your spending habits
✅ Spend less than you earn (remember Episode 200?)
✅ Be aware of the Tapping-and-Going!

Want to learn more? Bryce and Ben talked about nine ways to navigate the credit crunch here:

https://thepropertycouch.com.au/ep198-australia-credit-crunch/

#CreditCrunch #GetReadyFolks

 

 

What’s the FIRST BIGGEST HURDLE for a Property Developer?

Are you thinking of property development? 🏗🏘 https://thepropertycouch.com.au/ep204-summer-series-peter-koulizos/

Make sure you’re ready for the first biggest hurdle you’ll need to overcome!

And tomorrow’s guest will be a superstar in the renovation space as well but before that, check out this short TPC GOLD from Peter Koulizos, the Property Professor and Chair of PIPA!

p.s. Tune in to Peter’s full episode here: https://thepropertycouch.com.au/ep204-summer-series-peter-koulizos/

p.p.s. Are you enjoying Summer Series? Let us know below!

Is it TOO LATE to invest in property in your 50’s?

“Is it too late to invest in property in your 50’s?” 🤔

https://thepropertycouch.com.au/ep190-q-a-bricks-and-slaughter/

We get this question a lot and tomorrow, we’ll be chatting with an amazingly resilient listener who will share his side of the story.

A bit of a spoiler alert… It’s not easy. But before that, check out this TPC Gold that we cut up from Episode 190!

And if you want to listen to the full episode

https://thepropertycouch.com.au/ep190-q-a-bricks-and-slaughter/

Free Standing Villa vs 2BR Flat

What will your choice be?: Free Standing Villa vs 2BR Flat https://thepropertycouch.com.au/ep196-q-a-negative-gearing-changes/

We love our Q&A episodes and this time, Bryce is placed on the hot seat! What will his choice be? Find out in this short clip.

Looking for the question? Here you go!

Question about the Right Asset for a First Home Buyer from Carrie: I have a question about the best type of asset you should invest in. I’m looking to buy my first property, which I’ll live in initially. I have a budget of $750K. I’ve been looking at 70s and 80s free standing villa units in small blocks of 12 – 6 in Melbourne’s east. This puts me in middle ring suburbs around 20km from the city, with a land size of 350sqm. It’s a good balance between decent landmass without being out in the sticks. Alternatively, I could by a 2bdrm apt in an older, low-density block — the type with only 2 or 3 stories closer to the CBD. Are either of these good investments? And which of the two is better? Or is there anything else I should look into.

p.s. Want to hear more? Tune in to this episode here: https://thepropertycouch.com.au/ep196-q-a-negative-gearing-changes/

Tap-and-Go – The reason you overspent!

STOP and consider before taping on PayPass! 💳⛔️  https://thepropertycouch.com.au/ep194-seven-tips-to-trap-surplus-cash/

It is so easy to spend unconsciously these days. With tap-and-go, it can be hard to control ourselves and the next thing we know, we’ve spent everything for the month.

So here’s a 60-seconds cut from

Episode 194, Seven Tips to Trap Your Surplus! 😉 p.s. Keen to find out the other 6 Tips?  Tune in to the episode here:

https://thepropertycouch.com.au/ep194-seven-tips-to-trap-surplus-cash/

What you need to know about Labor’s Negative Gearing Policy with Peter Koulizos

Negative Gearing Changes are coming. There’s a very high chance that Labor will win.

https://thepropertycouch.com.au/ep203-peter-koulizos-negative-gearing-pipa

And that’s ok. We agree that Negative Gearing should be updated. But it does not need to be the current policy that Labor proposed.

It’s not too late to voice out and propose a better change for us investors out there. Check out what Peter Koulizos, Chair of Property Investors Professionals of Australia thinks in this short clip.

p.s. If you’re keen to be a part of a strong and united voice for property investors, join Property Investors Council of Australia – PICA! www.pica.asn.au

p.p.s. Interested to tune in to Peter’s full episode? 👉👉 https://thepropertycouch.com.au/ep203-peter-koulizos-negative-gearing-pipa

Paul Clitheroe’s Hot Money Tip!!!

If you haven’t checked out last week’s episode with Paul Clitheroe, then just watch this short clip!! 🤯

https://thepropertycouch.com.au/ep200-paul-clitheroe/

So much GOLD in only 54 seconds! He shares his No.1 Hot Tip that everyone asks for all the time and answers the long-awaited debate on Shares vs Property too. 🔥🔥🔥

We know the episode is long but we promise you, it’s all worth it. Tune in today here:

https://thepropertycouch.com.au/ep200-paul-clitheroe/

What does Renovating and Dating have in common?

Couchers, if you haven’t listened to yesterday’s episode with Naomi Findlay, you simply must!

She has a unique ability to unpack renovating for profit into simple and easy to digest tips. Not to mention the passion and fun she brings to the show as well! Here’s one of the best moments Stiggy barely recorded yesterday.

Want to find out how you can easily lose money in renovating? Tune in now! 😉

p.s. Here’s the link to the episode: https://thepropertycouch.com.au/ep188-renovating-and-dating-naomi-findlay

 

What is ‘Legoland’ in Property Investing?

t’s Podcast Day and we’ll be chatting about a couple of trendy topics this afternoon. 🤔

But before that.. let’s Throwback to last week’s episode on ‘Legoland’ in property investing!  Have you got one? Let us know your story below! 🏠🏠🏠🏡🏠🏠🏠

Not sure what we mean by ‘Legoland’?

Tune in here to find out more: https://thepropertycouch.com.au/ep189-q-a-legoland-in-property-investing/

Offset Account: Why is it a Money Game Changer?

It surprises us that a lot of people still don’t know what an offset account is and how it can help your finances! 😫😫😫

https://thepropertycouch.com.au/books

So this time on #TPCGOLD, Bryce and Ben explain it in the simplest way possible. All in just 80 seconds! Don’t miss out. p.s. Did you know, if you only have $10,000 in a 100% offset account at 4.5% interest rate, you’ll still be saving $37.50 every month! Want to learn more? It’s on Page 36 of our book, Make Money Simple Again! Grab a copy here and this code for a 20% Discount: TPC20

http://www.thepropertycouch.com.au/book

p.s. Want to learn more on how you can trap your surplus? Check out this episode: https://thepropertycouch.com.au/ep194-seven-tips-to-trap-surplus-cash/

Are You GUILTY of Financial Infidelity?

Financial Infidelity: When couples with combined finances lie to each other about money. 🙄💔💸

Had the hard conversation yet? Better sooner than later folks! And if you want to learn more on how to Trap your Surplus

Cashflow, check out last week’s podcast! https://thepropertycouch.com.au/ep194-seven-tips-to-trap-surplus-cash/

3 Handy Tips to Invest in a Changing Market

Is it possible for a property investor to thrive in a changing market? The answer is a resounding, Yes! And in this How To Session, Bryce Holdaway, property investment expert and Buyers Agent, gives you the three handy tips you need to succeed…

Read the blog article: 3 Handy Tips to Invest in a Changing Market

5 Golden Tips for getting Finance in this Changing Landscape

Who else wants lending tips?

Since APRAs regulations changes, a lot of property investors are finding it difficult to get a loan, especially an interest-only one. So what can you do you right now to increase your chances of approval? Bryce Holdaway explains the finance hacks that just might get your application over the line…

Read the blog article: 5 Golden Tips for getting Finance in this Changing Landscape

Why is it so HARD to build a Passive Income?

Just like the all-too-familiar saying goes: if property investing was easy, everyone would be doing it… but we think many more people SHOULD be doing it! So, why exactly IS property investing so hard?

Bryce explains something he discovered a few years ago that changed his view on this, and the trajectory of his life, forever…

Read the blog article: Why is it so hard to build a passive income?

Who is The One Person a Buy and Hold Investor needs to impress and why?

At the end of the day, there’s ONE person who can make or break the success of a property investor with a buy and hold strategy…. In this How To Session, Bryce explains who this person is, and how you can get in their good books!

Read the blog article: The Number One Person a Buy and Hold Investor Needs to Impress and Why?

Infrastructure: Which is the most important to grow property prices?

In this How To Session, Ben gives a great introduction into the economy and what drives prices. As part of this, he explains the No.1 infrastructure needed, specifically, to grow property prices, which is one thing a buy and hold investor needs.

Read the blog article: INFRASTRUCTURE: Which is the most important to grow property prices?

The Good, the Bad & The Ugly of Searching Online

What’s Google got that we don’t?
In this How To Session, Bryce shares the online tips (and slips) of searching for investment properties online. Find out how to search online like a pro…

Read the blog article: The Good, the Bad and the Ugly of Searching Online

What’s APRA’s Next Move?

APRA stands for the Australian Prudential Regulatory Authority, and their job is to regulate the lenders who lend money out into the marketplace. Since 2016, they’ve put in place a number of restrictions in the lending sector to curb the increasing property prices.

So, what else has APRA got in store for property investors? Will they restrict interest-only lending even more or perhaps, loosen up some of their previous restrictions?

Read the blog article: What’s APRA’s Next Move?

Top 5 Tips when Investing in Hobart

HOBART’S RECENT PRICE GROWTH has got a lot of property investors talking.

But it’s not a market you should jump into blind.

If you’re an interstate investor, keep these 5 Must Knows in mind.

Read the blog article: Top 5 Tips when Investing in Hobart

How will Market Cycle Timing indicate the next property Boom and Bust?

Have you ever wondered, “Is now the right time to buy in … [pick any area] ?”

It’s a question every property investor asks themselves… and for good reason. So our Research Director, Jeremy Sheppard explains what you can measure to work out if a property market is about to enter its next growth phase!

You don’t want to buy at the peak of the market. 
You want to enter one that’s about to get some great growth now, as well as into the future.

It’s helped us pick top growth locations for our clients too!

Read the blog article: How will Market Cycle Timing indicate the next property Boom and Bust?

Top 5 Tips when Investing in Adelaide

You need to invest in Adelaide.
We know, it’s a bold claim. But we’re not the only investment advisors backing property prices (and buying) in this “sleepy town”.…. The proof is in the capital return.

So, let’s cut to the chase: how do you snag the best properties in Adelaide?

Read the blog article: Top 5 Tips when Investing in Adelaide

Get Rid of The A.E.W.D Mindset

If I learned anything over the last 10 years as CEO at Empower Wealth, it’s that mindset can make or break your property investment journey. That is to say: outside influences matter in so
far as what a client chooses to set their mind to. Recently, I was introduced to quite a few people I’d never met before. What is always interesting when this happens is witnessing the mindset shift between the “haves” and the “have nots”. Here’s the one difference: A.E.W.D.

Read the blog article: Get Rid of The A.E.W.D Mindset

Have you taken this critical step to reducing your debt?

Australians overspent by an estimated $625 million this Christmas. Yes, it’s a lot of money. And if you didn’t have this money to begin with, you had to get it from somewhere. So, if you put Christmas on a credit card, no matter who you are or how much you earn for a living — you have to pay it back. It’s a simple as that. Watch this video to learn more.

Interested to know what’s your household’s net position? Get access to the Portal here.

Read the blog article: Have you taken this critical step to reducing your debt?

Top 5 Considerations when Investing in Perth

Have you ever considered buying in Perth? As you know, there are reasons to be weary when it comes to investing here, primarily if you’re pouring your money into the mining sector. But Perth is not JUST about the mines. Born and bred from Perth, Bryce shares the tips the locals don’t want you to know……

Read the blog article: Top 5 Considerations when Investing in Perth

When Should You Renovate Your Investment Property?

In light of Ben’s last How To Session on renovating on a budget, we received a lot of questions on When you should renovate an investment property. So, when should you? Whether it’s a cosmetic refresh or structural refit, if you can describe your property in these two words, you will get your answer …

Read the blog article: When Should You Renovate Your Investment Property?

Ten Reasons Why You Are Not Rich!

Are you tired of depending on others to show you the way to financial success?

It’s time to cut the umbilical cord of dependence and find your own hotspots! Ignorance is not bliss when it comes to money management, so it’s important to train your mind around positive thinking and be the best version of yourself. In this TPC GOLD, Bryce & Ben shares Ten reasons why you are not rich.

Tune in to the full episode here: https://thepropertycouch.com.au/ep146-10-reasons-why-you-are-not-rich/

 

Top 5 Considerations when Investing in Brisbane

Want your investment property to earn you more? A better valuation? More rent coming in? Or are you selling and wouldn’t mind a higher price for your property? Watch this for the cheapest cosmetic renovation tricks you can do! Especially if you’re on a budget, but still want the results.

Read the blog article: Top 5 Considerations when Investing in Brisbane

Three Cheap Cosmetic Renovations You Can Consider

Want your investment property to earn you more? A better valuation? More rent coming in? Or are you selling and wouldn’t mind a higher price for your property? Watch this for the cheapest cosmetic renovation tricks you can do! Especially if you’re on a budget, but still want the results.

Read the blog article: Three Cheap Cosmetic Renovations You Can Consider

Top 5 Considerations when Investing in Sydney

There’s no doubt a property in Sydney will do wonders for your portfolio. It just makes sense to invest in Australia’s largest city, loved all over the globe. But there are five key things you need to consider before you jump straight in. One thing being “Gazumping” …

Read the blog article: Top 5 Considerations when Investing in Sydney

Top 5 Considerations when Investing in Melbourne

About to invest in Melbourne? If you’re an interstate investor you absolutely need to know Bryce’s top 5 considerations before you do. Even if you already live in Melbourne, these tips could save you from a property pitfall. By the way, number two … who would have thought?

Read the blog article: Top 5 Considerations when Investing in Melbourne

Top Seven Negotiation Tactics for Spring

Spring: it’s the “Selling Season”. As a buyer, this means you have to sharpen your negotiating skills to make sure the property is yours, and at the price you want it for. Bryce gives you Seven Tactics to use when you’re negotiating with the real estate agents who make a living out of doing just this.

Read the blog article: Top Seven Negotiation Tactics for Spring

Principal and Interest Vs Interest Only Loans: Why and when should you pay more interest?

At certain stages in your property portfolio, you really should be paying the banks more interest through an Interest Only Loan. In this How To Session, Ben explains exactly when this stage is and when never to switch to only to Principal and Interest.

Read the blog article: Principal and Interest Vs Interest Only Loans: Why and when should you pay more interest?

What Is The Biggest Expense A Property Investor Will Face?

Your Property Manager can save you from the biggest expense a property investor can face … a vacancy. A vacant property can cripple your cash flow, and not just because you lose all that rent. Bryce reveals the 3 things you must do to make sure you land a great Property Manager so this never happens to you. After all, a great one will keep a good tenant in, and a bad one from ever entering.

Read the blog article: What Is The Biggest Expense A Property Investor Will Face?

The Three Hidden Mistakes That Property Investors Often Make

Property investors make mistakes. Some are obvious; but many are not. Unfortunately, it can be the little, hidden potholes we take no notice of, until it’s too late. Until our investment vehicle is flipped on its side, irreparable. Until our spirit is guttered, too. Bryce Holdaway shares the 3 hidden mistakes that can easily be avoided, if you keep your eyes open.

Read the blog article: The Three Hidden Mistakes That Property Investors Often Make

How to Protect your Portfolio from the Inevitable Storms?

Bryce is back, this time talking about the sure ways to weatherproof your property portfolio during the inevitable ‘storms’ that happen during a long-term investment. Let’s face it: things change—the property market, the economy, your own situation—so you need to know how to protect yourself and your portfolio when (not if) things turnover. You don’t want to be left out in the rain.

Read the blog article: How to Protect your Portfolio from the Inevitable Storms?

Owner Occupier Appeal: Seven Overlooked Aspects

Buying a property with an owner occupier appeal is one of our company’s mantra. We’ve shared many tips on this int he past, but apart from the usual aspects such as bedroom or location, there are a few others that are often forgotten by buyers. Ben lists 7 of them in this how-to session.

Read the blog article: Owner Occupier Appeal: Seven Overlooked Aspects

Growing Number Of One Person Households | What Does It Mean For Asset Selection?

We’ve talked about land value vs land size in the past and as the Australian population grows, the difference between these two will continue to widen. In this how-to session, Bryce shares his thoughts on the growing number of one person households and how it’ll impact a buyer’s asset selection strategy.

Read the blog article: Growing number of one person households | What does it mean for asset selection?

Three Forces That Shape An Investor’s Character

There is absolutely no doubt that getting your finance right and selecting an investment grade asset is critical when building a portfolio. But what’s also important, especially in a changing market, is the investor’s character and mindset to maintain calm and cut through the noise. Bryce shares some of his tips in this month’s How to video.

Read the blog article: Three Forces That Shape An Investor’s Character

Four Essential Levers to Building Wealth

In his previous How to Video, Bryce talked about the importance of knowing your number when it comes to retirement. This time, he talks about the essential levers that you will need to adjust and questions that you have to ask yourself to achieve that number. Tune in to find out more!

Read the blog article: Four Essential Levers to Building Wealth

Will You Remain Confident In A Changing Market?

Back in Episode 57 of the podcast, we warned our listeners that headwinds would be coming in the property market. Now, with changes in the lending structure and general sentiment, the property market is evolving as well. Will you remain confident? Ben explains more in this how to video.

Read the blog article: Will You Remain Confident In A Changing Market?

First Home Super Saver Scheme – What is it?

In the Federal Budget 2017 released last week, the First Home Super Saver Scheme was proposed to help first home buyers save for a deposit. How will this work? Find out more in this short How to session with Ben.

Read the blog article: First Home Super Saver Scheme – What is it?

How Much Do You Need To Retire?

Have you thought about how much money you need to retire? Imagine if you’re not working, don’t need to travel to work, kids are all grown up, and your loans are all paid off. How much, then, would you need to continue a comfortable living for the rest of your life? Bryce explains more in this How to Session.

Read the blog article: Revealed: How Much You Need To Retire in ONE SIMPLE FORMULA

What Causes Property Price To Fall?

With property prices rising at the current rate in our two main cities, Sydney and Melbourne, the discussion around the impending price correction continues. This time on our How To, Ben explains the various causes that can lead to price falls.

Read the blog article: What Causes Property Price To Fall?

Four Ways to Make A Real Estate Agent’s Day

If you are wondering about the types of mistakes property buyers often make when dealing with real estate agents, Bryce lists out four that would really make a real estate agent’s day. Find them out here!

Read the blog article: Four Ways to Make A Real Estate Agent’s Day

New Initiatives for First Home Buyers (VIC)

In an effort to address housing affordability, and potentially the political pressure around this topic at the moment, the Victorian State Government has drafted some new initiatives to help first home buyers get into the marketplace. Find out more here

Read the blog article: New Initiatives for First Home Buyers (VIC)

Why I Love Property

In this How to Session, Bryce shares with why he loves property. No, it’s not because it’s brick and mortar and people would always need shelter and no, it’s also not because it’s his job to love it! Find out why he favors investing in property out of all the asset classes out there.

Read the blog article: Why I Love Property

Tax Structures and Tax Avoidance | What you should know?

As a property advisory firm, we’ve seen a lot of emphasis on the relationship between property investment and tax. Tax avoidance is illegal and in this how to, Ben talks about the tax structures and tax avoidance schemes that you should be aware of.

Read the blog article: Tax Structures and Tax Avoidance | What you should know?

Seven Ways to Jeopardise a Deal

We’ve shared a lot of negotiation tricks before but some of them can be a double edged sword if not used wisely! What you think is a good negotiation strategy may, in fact, be putting the agent off. Bryce lists out seven ways you can break a deal.

Read the blog article: Seven Ways To Jeopardise A Deal

Seven Tactics of a Property Spruiker

This isn’t the first time we chat about property spruikers nor will it be the last! Afterall, it is an unregulated industry. But this time on our How to Session, Bryce will be sharing some of the top tactics that a property spruiker would usually use and how you can spot them.

Read the blog article: Seven Tactics of a Property Spruiker

Beating The Lending System

Beating the lending system can certainly sound quite attractive and a lot of professionals out there promise you to do this. But is this wise and is it the right thing to do? More importantly, are they really beating the system? Ben Kingsley explains more.

Read the blog article: Beating The Lending System

Should You Buy A Property With Someone Else?

In view of the current movement in the property market, you’ve probably thought about this, “Should I buy a property with someone else?”. Well, this would definitely help you get into the market sooner but what other things do you have to consider? Bryce explains more in this How to Video.

Read the blog article: Should You Buy A Property With Someone Else?

Five Key Things to look for during a Property Inspection

Did you attend an inspection last weekend? Do you remember if the property is at the higher end of the street or how new the windows’ furnishings are? If you don’t recall, that’s alright. With everything that is going on, buyers tend to forget the tiny details when going through an inspection and that is why Bryce is sharing his top 5 key things to look for during a property inspection.

Read the blog article: Five Key Things to look for during a Property Inspection

Is Your Property Portfolio Built On Sand or Stone?

It’s interesting that at every New Year’s celebration, people flock to iconic places such as the Sydney’s Harbour Bridge, Time Square or the Burj Khalifa for the countdown but no one pays much attention to them when they are being built. Bryce explains that similar to these landmarks, the foundation of your property portfolio is crucial and here are his top six tips on what to look at.

Read the blog article: Is Your Property Portfolio Built On Sand or Stone?

Is the Australian Property Bubble about to Pop?

Ahhh… the everlasting question: Is the Property Bubble popping yet? With Donald Trump the next US president and banks raising the interest rates, some fear this might be the trigger that it needed. Ben explains more.

Read the blog article: Is the Australian Property Bubble about to Pop?

Are Tenanted Properties always a Good Investment?

If you are a property investor, buying a tenanted property may seem to be the ultimate goal considering there will be an income stream from Day 1. BUT, not all tenanted properties tick the investment grade boxes and Bryce explains the areas that you need to wary of when purchasing one.

Read the blog article: Are Tenanted Properties always a Good Investment?

Will it be harder for First Home Buyers?

With all of the economic prosperity that Australia is enjoying, there is one group of people who are looking in at the property market thinking, “Can we play the game too?” Of course, we are talking about the first home buyer. Will it only be harder for them from now on? Bryce explains more.

Read the blog article: Will it be harder for First Home Buyers?

A day in the life of a Buyers Agent

The majority of people often see the exciting part of a Buyers Agent’s role. They turn up at auction, nod at the Auctioneer a couple of times and somehow, manage to secure the property. But it’s not all that easy! There is a lot of work behind the scenes, and this time on our How to Session, Bryce sheds some light on the work our Buyers Agent Team has been doing.

Read the blog article: A day in the life of a Buyers Agent

Variables to Consider when Modelling a Property Portfolio

At Empower Wealth, we always encourage our clients to understand the concepts of property investing and how we build our property portfolio plans. So in this How to Session, Ben discusses some of the variables that you need to consider when modelling your own property portfolio plan.

Read the blog article: Variables to Consider when Modelling a Property Portfolio

Tax Refund: Can You Request It Sooner?

Have you heard of the income tax withholding variation form before? It is a mouthful, but it can be quite useful for certain types of property investors. Bryce explains what this is and how it can help your cash flow position.

Read the blog article: Tax Refund: Can You Request It Sooner?

What is a Family Pledge or Guarantor Loan?

If you’ve only managed to save a small deposit but are keen to get on the property ladder soon, you might want to consider a Guarantor Loan. But how does it work, and who is suitable for this type of loan? Ben Kingsley explains more in this How to Session.

Read the blog article: What is a Family Pledge or Guarantor Loan?

Defence: What’s that?

When it comes to building a property portfolio, most investors focus on their borrowing power and the type of assets to add into their collection. But what happens when it’s all done? How do you defend the wealth position that you have built? Bryce explains more in this How to Session.

Read the blog article: Defence: What is that?

Should You Invest In Property Overseas?

A few people have asked us before if investing in overseas property is a good idea in terms of lifestyle choices, as well as a portfolio diversification strategy. Ben Kingsley explains the considerations you need to think about before going ahead with this plan.

Read the blog article: Should You Invest In Property Overseas?

How do you pick which apartment to invest in?

If you are going for inspecting an apartment this weekend, what criteria are you looking for? How do you decide if it is an investment grade asset? Bryce Holdaway shares some of his tips on picking an apartment to invest in.

Read the blog article: How do you pick which apartment to invest in?

What happens when the property passes in to you?

Imagine you are in at auction and at the end of it, the property got passed in to you. YES! But now what? What should you do in this part of the auction process? Bryce Holdaway shares his experience on what happens when the property passes in to you and some negotiation tips that you can use.

Read the blog article: What happens when the property passes in to you?

Are Off Market Properties the Holy Grail?

When it comes to off market properties, there is almost a level of exclusivity attached to it, or rather, a perceived exclusivity. But are they really worth it? Bryce explains more and if you should consider off market properties as the holy grail.

Read the blog article: Are Off Market Properties the Holy Grail?

What is The Practicality Test?

Imagine if you are going for a property inspection this weekend, wouldn’t it be nice to be able to predict how the property’s value will go? To do this, you need to understand the buyers’ psychology and the practicality test can help you in this area. But what is the practicality test? Ben explains more.

Read the blog article: What is The Practicality Test?

What to know about property promoters’ investment returns claims

“32% increase in 12 months!” Does this sounds familiar? Some property promoters tend to claim mega returns on their properties but how do you know if this is true? Ben Kingsley explains more.

Read the blog article: What to know about property promoters’ investment returns claims

The Rewards of Understanding Scarcity in Property

Scarcity is an important factor in asset selection and it affects the returns of your property portfolio. Hence it is crucial to understand what it really means and how it is applied to different types of property. Ben Kingsley explains more.

 

NOTE: If you like this How to Video, you might also want to check out The Property Couch’s Episode 37 where Bryce and Ben talks about the Scarcity Scale and how Location and Property Type plays a part in a property’s value.

Read the blog article: The Rewards of Understanding Scarcity in Property

Buyers Beware! Five common tricks real estate agents use

Being at the forefront of the property market, Bryce Holdaway deals with real estate agents on a daily basis. In this How to video, Bryce shares some of the common tricks that buyers should look out for when searching for a property.

Read the blog article: Buyers Beware! Five Common Tricks Real Estate Agents Use

Common complaints from property investors

Have you ever heard the saying, “If I can have my time back, I would do things differently”? This is quite a common saying and when it comes to investing in property, we hear it very often. This time, Bryce has decided to share some of the common complaints he hears from property investors.

Read the blog article: Common complaints from property investors

Why is property investing so hard?

We know property investing isn’t easy but not all of our subscribers understand the complexity behind this investment type. To help increase the awareness, Ben will be sharing some of the layers of an investment grade asset and explains why property investing shouldn’t be taken lightly.

Read the blog article: Why is property investing so hard?

Are strata properties always a bad idea?

There is a bit of stigma associated with purchasing strata properties as investment properties, and understandably so. But it’s not ALWAYS a bad idea and Bryce explains what other considerations you need to look at when buying a strata property.

Read the blog article: Are strata properties always a bad idea?

Considerations for borderless investing

There is no doubt that Empower Wealth supports borderless investing but what are the considerations an investor need to think about before adopting this strategy? Bryce Holdaway lists out some of the common differences when investing interstate.

Read the blog article: Considerations for borderless investing

The property self assessment test

Are you planning to buy a property soon? How much do you think you know about property to engage yourself in this high value transaction? Property is one the most popular conversation topic in Australia but the fact is, most investors don’t know much the science behind this. Ben Kingsley explains more.

Read the blog article: The property self assessment test

Five tips to get property advice

What does planning a wedding and property investment have in common? Both need a lot of thought put into them. In this How to Session, Bryce Holdaway looks at their similarities and shares his top tips on how not to get burnt by a property investment advisor.

Read the blog article: Five tips to get property advice

Rentvesting: Is it the right strategy for you?

Following Ben’s cover story article on the March 2016 Edition of Money Magazine, we’ve received a lot of interest in this strategy. The most popular question is, will this strategy fit me? This time on our How to session, Ben will be explaining the considerations you need to think about when adopting rentvesting.

Read the blog article: Rentvesting: Is it the right strategy for you?

Putting theory into practice in asset selection

In a previous How to Session, Bryce explained the importance of asset selection. This time, he’ll be focusing on putting the theory into practice and the additional four sub-filters that you need to implement when selecting an investment grade asset.

Read the blog article: Putting theory into practice in asset selection

When is the right time to buy residential properties

We’ve spoken about the property market cycle before and have warned our fellow viewers about going into certain markets such as Sydney. But how long should you wait and should you consider elsewhere? Watch this How to Session to learn more.

Read the blog article: When is the right time to buy residential properties

Is interest rate really THAT important?

There is no secret here. By now, our viewers would know that we do not solely focus on interest rates. But this time, Bryce and Simon share a lending framework that we use at Empower Wealth and some of their day-to-day experiences in the industry.

Read the blog article: Is interest rate really THAT important?

How important is asset selection?

Most investors think that because they’ve lived in a property before, asset selection is naturally the easiest part in building their property portfolio. In this How to session, Bryce explains why that’s not true and highlights the process investors should go through when selecting an investment grade asset.

Read the blog article: How important is asset selection?

The financial impact of negative gearing

With so much debate going on about Negative Gearing, Ben rolled up his sleeves in this How to session and demonstrates how much impact does negative gearing policies actually have on an Australian’s household.

Read the blog article: The financial impact of negative gearing

Is negative gearing good or bad?

If you are you are interested in the property investment industry, you would have heard of Bill Shorten’s proposed changes to the negative gearing policy by now. In this How to, Bryce answers the big question: Is negative gearing good or bad?

Read the blog article: Is Negative Gearing good or bad?

Seven habits of highly effective property investors

As an avid reader of positive mental attitude books, Bryce was inspired by Stephen Covey’s seven habits of highly effective people. In this How to session, Bryce explains how you can apply these habits to building your own property portfolio.

Read the blog article: Seven habits of highly effective property investors

So you bought the property.. What’s Next? (Part 2)

In the previous How to session, Bryce explained the connection between property investing and a plane’s flight process. He also talked about ways to protect your asset, conditions of the contract and the QS report. In the second part of this series, he lists out the remaining 4 steps of a post property purchase process.

 

Read the blog article: So you’ve bought the property… What’s Next? (Part 2)

Putting your money to work – Money Management & Loan Structure

Understanding the numbers and how it can work for you is crucial when investing in property. This includes a good money management strategy, understanding cash flow analysis and an investment savvy loan structure. Ben Kingsley explains more in this How to Session.

Read the blog article: Putting your money to work – Money Management & Loan Structure

So you’ve bought the property… What’s Next? (Part 1)

What does property investing and a plane’s flight process has in common? Bryce Holdaway explains this and shares his tips on what to do once you’ve signed the contract of sale.

Read the blog article: So you’ve bought the property… What’s Next? (Part 1)

Who’s more important: Buyers Agent or Mortgage Broker?

In the rank of importance when investing in property, would a Buyer’s Agent rank higher than a Mortgage Broker or vice versa? It might look like a conflict of interest coming from Bryce but his explanations might just surprise you.

Read the blog article: Who’s more important: Buyers Agent or Mortgage Broker?

3 questions to ask yourself when setting up an SMSF

SMSF is a financial product and it’s not something that you should go into lightly. In this How To session, Ben highlights three initial considerations when you are setting one up.

Read the blog article: 3 questions to ask yourself when setting up an SMSF

Which is more important | Property, Location or ….?

For most investors, the property is the trigger for them to invest. They want to invest in a house or they’ve found one that they want to buy. But is this the right way to buy an investment property? Bryce explains more.

Read the blog article: Which is more important | Property, Location or ….?

Future of Mortgage Lending in Australia : Risk Profiling and Pricing

With the advent of innovation and technology, the lending sector will not stay the same indefinitely. It will need to adapt to the changing environment and in this How to Session, Ben explains some of the changes that might take effect in the future.

Read the blog article: Future of Mortgage Lending in Australia : Risk Profiling and Pricing

How to Buy an Interstate Property

We’ve always discussed the importance of being a borderless investor and invest in markets which will offer you the best returns. In this How to session, Bryce shares some of his tips on how you can buy your own interstate property.

Read the blog article: How to Buy an Interstate Property

Seven Mistakes Property Investors Make

Being a Buyers Agent and a Property Investment Advisor, Bryce gets the rear view vision of decisions made by investors in the past. Some of those decisions could be the deciding factor for an average performing portfolio or an outstanding one. What are they? Bryce explains more.

Read the blog article: Seven Mistakes Property Investors Make

City Fringe: Is it Real Gold or Fool’s Gold?

With good data collection points and the convenience technology brings to us, the general public now has access to a lot of information on the property market which they can use to support their investment decisions. However, some of these numbers may require a bit more analysis before you invest in anything. Ben explains more.

Read the blog article: City Fringe: Is it Real Gold or Fool’s Gold?

Why do you need a Property Plan?

When we are whirling in the excitement of our investment journey, we sometimes forget the basics and the whole reason why we started investing in the first place. That is where a plan comes in. In this How To session, Ben gets back to basics and explains why you need a property plan.

Read the blog article: Why do you need a Property Wealth Plan?

How to make $140,000 loss in 10 years

In his daily role as a Buyer’s Agent, Bryce gets to help different people from various backgrounds, listen to their investment journeys and the decisions they make along the way. In this How To session, Bryce has decided to share a case study which highlights a mistake that an investor can potentially make.

Read the blog article: Case study: How to make $140,000 loss in 10 years

How to make a $200,000 mistake in Property?

In this how to session, Ben Kingsley demonstrates that it is not hard at all to make a $200,000 mistake in property especially if you lack the understanding in cash flow management and fail to plan ahead.

Read the blog article: How do you make a $200,000 mistake in Property?

What are the Worst Performing properties in a Market Correction

There is no doubt that the property market is running well at the moment but the sun won’t shine so brightly all the time. The market will stabilise or even correct itself sometime in the future and when it does, which will be the worst performing properties? Bryce explains more.

Read the blog article: What are the Worst Performing properties in a Market Correction

Why is a Property Valuation so Important?

As property owners, we often think that our property has a good value but when the valuer arrives with his pens and notepads, the end result can sometimes be rather disappointing. Ben explains why a property valuation is important and how you can prepare for your valuer.

Read the blog article: Why is a Property Valuation so Important?

What’s the most Neglected step by most Property Investors

Beginning your property portfolio or buying your next investment property can leave you whirling with excitement. But as things settle down, we have begun to realise that most investors often forget the last step in our 5-steps process. Bryce explains why this step should never be neglected if you are serious about your portfolio.

Read the blog article: What’s the most Neglected step by most Property Investors

What is Rentvesting?

Rentvesting (Renting and Investing) is not a new concept and it’s not for everyone. In this video, Ben Kingsley explains what it actually entails and what kind of circumstances suit this strategy best.

Read the blog article: What is Rentvesting?

The Buyers’ Decision Quadrant

You’ve probably experienced the Buyers’ Decision Quadrant in one way or another but having a clear mind on what you are willing to compromise on when buying a home will go a long way. Bryce Holdaway dissects this quadrant and explains how you can apply it by yourself.

Read the blog article: The Buyers’ Decision Quadrant

Why you should be Nervous when Investing in Apartments

Is investing in apartments a good idea or not? This debate had been going on for a long time but with the change in our population and culture, is there a different point of view now? Bryce Holdaway explains why you should be nervous when investing in apartments.

Read the blog article: Why you should be Nervous when Investing in Apartments

Are you Paying Too Much for your Property?

With the current state of the property market, there is a high chance that you might be paying too much for your property if you are not careful. Ben Kingsley gives three reasons which show how you could be paying more than fair value.

Read the blog article: Are you Paying Too Much for your Property?

Why Decision Fatigue could make you a Poor Investor

We all make decisions every day, some easier than others. But did you know that making too many decisions can lead to decision fatigue? Bryce explains how you can suffer from this and how it can affect you as a property investor.

Read the blog article: Why Decision Fatigue could make you a Poor Investor

The Thought Process when Buying A Home

As mentioned before, buying a home, especially your first one, can be quite a stressful journey. In this How To video, Ben explains common thought processes that go through a home buyer’s mind when they are about to decide what to buy.

Read the blog article: The Thought Process when Buying A Home

Why do Character Homes get the Best Returns?

Have you ever wondered why character homes or lifestyle homes tend to get better returns over time? Even with all the contemporary style houses being built, what is it that makes character homes so special? Ben Kingsley explains this in this how to session.

Read the blog article: Why do Character Homes get the Best Returns?

5 Reasons Why You Shouldn’t Invest in Property

It’s no surprise that with low interest rates, coupled with an uprising property market, most people are now diving head first onto the property investment bandwagon. But is this wise? Bryce Holdaway lists out five reasons why you shouldn’t invest in property.

Read the blog article: 5 Reasons Why You Shouldn’t Invest in Property

Renovating does not equal Riches

The excitement and extraordinary results of a good renovation is immense. We’ve seen it on TV shows like The Block, but does renovating always equal riches? Bryce Holdaway thinks there is more to it.

Read the blog article: Renovating does not equal Riches

How Do You Spot a Property Spruiker?

The issue about Property Spruikers is not a new one but a lot of investors out there are still unaware about it. With this in mind, Bryce started this How to Session by defining what is a spruiker and describe some of the common ways to spot one.

Read the blog article: How Do You Spot a Property Spruiker?

Should You Be A Borderless Investor?

There are many pros and cons in investing in other states across Australia but more often than not, investors find this a bit daunting. Well, to be fair, there are a lot of things to be cautious about such as unfamiliar territory, different state regulations and more. But in this video, Bryce explains why you should consider being a borderless investor.

Read the blog article: Should You Be A Borderless Investor?

Who Do You Take Your Advice From? | Free vs Fee

There are many types of advice out there when it comes to property investment. There is free advice, where information and recommendations are freely given, and then the fee for service ones that charge an upfront flat fee or a certain percentage. Apart from the obvious, what other differences do those two types of services offer and who should you take your advice from?

Read the blog article: Who Do You Take Your Advice From? | Free vs Fee

 Is Now The Right Time To Be Fixing Your Home Loan?

With record low interest rates, people are asking us this question all the time. We’ve decided to not only discuss if fixing your rate is a viable option now but also the economics behind fixed rates and what other factors you need to consider before going for it.

Read the blog article: Is Now the Right Time to be Fixing your Loan?

What Could Go Wrong at Unconditional?

In our previous newsletter, we talked about what happens once a contact proceeds unconditionally. In this How To video, we asked Nicole Faid from Accord Conveyancing talks about what could go wrong once a contract has proceeded unconditionally.

Read the blog article: What could go Wrong at Unconditional?

Is Property in Australia Affordable?

With so much attention on the increasing house prices and the heated debate on affordability, we thought we might as well face it head on. In this video, Ben addresses this question and explains what is causing the increase in property value.

Read the blog article: Is Property in Australia Affordable?

Four Ways an Investor will Pay

Some investors are the ‘Do-It-Yourselfers’ where they buy research data and equip themselves with as much understanding on the market as possible, while others pay a fee and rely on the knowledge and experience from an insider. But apart from these two options, what other ways will an investor pay? In this video, Bryce Holdaway shares some of his property investment tips.

Read the blog article: Four Ways an Investor will Pay

What Happens Once the Contract Proceeds Unconditionally?

If your contract has just gone unconditional, Congratulations! Now what? Nicole Faid from Accord Conveyancing explains what happens behind the scenes.

Read the blog article: What Happens Once the Contract Proceeds Unconditionally?

Negative Gearing vs Positive Gearing | Which is Better?

You’ve probably heard this debate before: Negative Gearing vs Positive Gearing. But do you understand what they mean and what kind of investment strategies are they? If you don’t and are keen to learn more, this video from Ben will be perfect for you!

Read the blog article: Negative Gearing vs Positive Gearing | Which is Better?

Do Holiday Homes make Good Investments?

Imagine being able to drive down to your favourite holiday spot for a weekend away whenever you fancy, and at the same time, being able to make money out of it. Isn’t that a good plan? Bryce Holdaway explains why you need to think twice.

Read the blog article: Do Holiday Homes make Good Investments?

Getting the Best Investment Returns using a Buyers Agent

Investing in property is a simple concept but it is not an easy thing to do. That is why you would find property professional help such as a buyers agent / buyers advocate for their experience and negotiation/bidding skills. Especially if you are looking for the best investment returns, your chance of achieving that will be doubled by using a buyers agent / buyers advocate. But how do you choose one? And would you choose a buyers agent that advocates for a particular patch or would you choose a buyers agent that would get out and hunt down the best investment property for you?

Read the blog article: Getting the Best Investment Returns using a Buyers Agent

Tips for Buying at Auction – Part 4

The last part for Bryce’s Tips for Buying at Auction is now available! In this series, he has shared various tips that would give you the extra edge in a competitive auctions. Let’s see what’s the final tip!

Read the blog article: Tips for Buying at Auction – Part 4

Negotiable Terms in the Contract of Sale

Contrary to popular belief, a Contract of Sale is not a fixed condition. There are actually a few areas where you can negotiate to benefit yourself as a buyer. We asked Nicole Faid from Accord Conveyancing to share with us some areas in the contract that can be negotiated in auction and in a private sale.

Read the blog article: Negotiable Terms in the Contract of Sale

Tips for Buying at Auction – Part 3

We’ve gone through the first two parts of Bryce’s Tips for Buying at Auction and some of his first few tips include making sure you build up your understanding of auctions and getting a pre-approval done. Watch the video to see what new auction tips Bryce has in store!

Read the blog article: Tips for Buying at Auction – Part 3

What do you Look for in a Buyers Advocate?

When you are looking for a Buyers Advocate, do you go for one who is familiar with the area, has strong connections with the agents or someone with superior negotiation skills? In this How to session, Ben explains which key things you should look for in a Buyers Advocate.

Read the blog article: What do you Look for in a Buyers Advocate?

Tips for Buying at Auction – Part 2

Imagine yourself with a crowd of other bidders at an auction. Now, imagine yourself bidding for that same property that everyone else is hoping to get. How confident are you in winning the bid? There’s no such thing as over-preparing yourself in an auction. In this 2nd part, Bryce shares his third tip for buying at auction to help you get the winning edge.

Read the blog article: Tips for Buying at Auction – Part 2

Top 3 things to consider before setting up a SMSF

Setting up a Self Managed Super Fund is a simple concept but not an easy task. Before you decide to embark on this journey, Michael Savy shares the top 3 things you need to consider to determine if an SMSF suits your needs.

Read the blog article: Three things to Consider before Setting up a SMSF

Tips for Buying at Auction – Part 1

Property auction is a common affair in some states and it often involves a large group of people but not necessarily bidders. For some buyers, it can be a very intimidating position to be in. This time, Bryce shares some of his tips to make sure you maximise your chances when buying at auction.

Read the blog article: Tips for Buying at Auction – Part 1

What do the Banks look for when Lending Money?

Did your loan recently got declined and you don’t know why? There are a few criteria that the banks look for when lending money and in this How to session, Ben explain the five basic ones in simple terms.

Read the blog article: What do the Banks look for when Lending Money?

Pros and Cons of Buying Off the Plan Apartments

There are a range of different things to consider when thinking about an off the plan purchase; you can’t beat that brand new feeling! In this How to Session, Bryce shares some of this thought on the pros and cons of buying off the plan apartments.

Read the blog article: Pros and Cons of Buying Off the Plan Apartments

Which is the best state to invest in?

As a Property Investment Analyst and Qualified Property Investment Advisor, Ben often get asked which is the best Australian state to invest in. In this short video, he explains why that’s not THE question that you should ask.

Read the blog article: Which is the best state to invest in?

When should you do a Building and Pest inspection?

Many buyers do not understand the value of a building and pest inspection and some aren’t even sure when to do one! In this How to Session, Bryce shares some tips on when is the best time for a Building and Pest inspection and what things to look out for.

Read the blog article: When should you do a Building and Pest inspection?

Key Changes you need to know about your Retirement and Pension

With the recent budget change, there were a lot of news surrounding the effect it has on our retirement and pension plans. In this How to Session, Michael Savy shares some of the common misunderstanding towards these changes and explains what you can do about it.

Why should you do a Contract Review?

The value of a contract review is often underestimated, and perceived as an unnecessary additional cost. In this How to Session, Bryce explains why a contract review is worth spending money on, and why you should always get a contract reviewed prior to signing.

Read the blog article: Why should you do a Contract Review?

Auction: A Love Hate Relationship

Auction is nerve wrecking for most of us regardless if we are buying or selling. But what about the Real Estate Agents? Do they love it or hate it? In this How to Session, Bryce explains this complex relationship.

What are the costs associated with buying a property?

Did you know that you that you can borrow up to 95% of the value of your property with LMI? For many home buyers, this means you only need approximately $45,000 for a $500,000 property. In this article, Ben explains what LMI is and how you can use it to secure a home.

Read the blog article: What are the Costs associated with Buying a Property?

How much money can you borrow?

The golden question that we often get asked here in Empower Wealth is; How much money can I borrow? In this How to Session, Ben decides to shed some light on this mystery and how you can calculate it yourself.

Read the blog article: How much Money can you borrow?

What Properties are considered Risky by Banks?

Occasionally, we would hear someone say, “That’s a risky property, the Banks wouldn’t like it”. But what do the Banks like? How do they decide if a property is safe enough that they would agree to a higher loan amount?

Read the blog article: What Properties are considered Risky by Banks?

Is Land Size still King?

In the Property Investment world, there used to be a golden rule: “Land Size is King”. Now, with depreciating supply of land in the metro area where yields are higher, does this concept still apply? In this How to.. Session, Bryce challenges that idea and explains why.

Read the blog article: Is Land Size still King?

The Four Personal Elements in Building A Property Portfolio

As a Property Analyst and Advisor, Ben has helped a lot of our clients in building a property portfolio and in this How to Session, he shares the Four Personal Elements that many had missed before starting on their Portfolio

Read the blog article: The Four Personal Elements in Building A Property Portfolio

What is a Tax Depreciation Schedule?

A Tax Depreciation Schedule is a critical part for an investment property but many investors fail to realise its potential. In this How to Session, we interviewed Bradley Beer from BMT Tax Depreciation to tell us what it is and how it can help.

Read the blog article: What is a Tax Depreciation Schedule?

How to Mitigate Property Risks?

In this How to.. Session, Ben continues from his previous episode and shares some ways which would help to mitigate the different risks in investing in residential property. Some of the property risks that were mentioned previously were Litigation Risk, Gearing Risk and Tenancy Risk. Some of these risks are much more controllable than others, so it is important to understand how an investor can mitigate them.

Read the blog article: How to Mitigate Property Risks?

What are the Risks of investing in Residential Property

Every type of investment comes with a variety of risks and it is impossible to have a risk free one, especially in Property Investment. However, the best investment decision is made only when you are aware of the shortfalls. To kick start our How To Sessions, Ben Kingsley lists out a few of the main risks in Residential Property.

Read the blog article: What are the Risks of investing in Residential Property

How many Properties are needed to create a Passive Income?

“TEN properties in FIVE years!” We often find this headline but in Property Investment, how many properties are enough? In this How to Session, Bryce Holdaway talks about how many properties you actually need to create a passive income in retirement.

Read the blog article: How many properties are needed to create a Passive Income?

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