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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

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: How Much Do You Need To Retire?

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

Are women better at property investing?

Have you heard of the book titled, “Warren Buffett Invests Like a Girl: And Why You Should, Too”? Now, considering this comes from one of the top investment experts in the world, does this means women are better at property investing as well? Bryce Holdaway unpacks this in this How to.

Read the blog article: Are women better at property investing?

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 to 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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