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111 | Q&A – Borderless Investing, Loan Redraw, Suburb Demographic and more

Can’t believe it has been 11 weeks since our last Q&A! We’ve got quite a line-up of great guests on the show for the past couple of months so for today’s podcast, we will be doing a Q&A instead. Thanks for sending in your question and Bryce and Ben will be answering questions from:

 

  • Bernard on Borderless Investing: I love your show; it’s really given me a different perspective from some other property educators, and it’s one of these differences which gives rise to the following issue. You speak a lot about being a borderless investor and buying quality assets in those locations where the market is in the right stage of the cycle. At the moment, this might mean Brisbane or Hobart or Adelaide or wherever. That’s all good. You are also clear that Sydney and Melbourne are the places which will grow most long term. That’s all good too. If I’m only going to buy 4-5 properties to secure my retirement though, as you advocate in your book, I certainly want to be buying the best long-term performers that I can. I know that done well, I can make good money doing this in smaller markets, but long term I wouldn’t expect to do as well as in the larger metropolises.

If I was buying ten houses, I could carry some weaker assets, but with four it’s obviously vital to get them right. How would you advise someone who already owned a couple of (hopefully!) well-selected properties in Brisbane or Adelaide or wherever who was able to re-invest? Should they hold off, build up a bit of equity and increase their cash buffer before looking at Sydney or Melbourne when the heat has come off there? Or would you suggest buying again and taking the risk that they will never get into the larger markets?

  • Alisdair on Loan Redraw Facilities: Can we have a finance expert tax expert come on the podcast? I have a loan where I have paid in extra to the redraw, not offset. I had a strategy to break the loan and refix for a few reasons. The rate is significantly lower. I’m hoping I can claim the break fees as a cost, reducing their effect. Also I want to pay my interest out of the redraw. Can this be done? I feel the break fees are permitted, but the part where I pay interest from the redraw seems an impossible dream due to a mixed purpose loan affect and that the ATO considers it tax avoidance. Any guidance in this matter?
  • Lakhwinder on Location Research: I have been listening to your podcasts while driving, thank you so much for such a priceless info you share with us. I recently started my property investment journey bought new house in Western Sydney to get government benefits and bought two investment properties in Loganlea after rezoning, after listening to your podcasts I realised I didn’t apply most of the filters you guys talked about. Both my properties are over the median price of suburb. Both are over 6% yield so not that painful to hold.

First investment property 3bed 2 bath 2 living areas 800msq with pool for $400k. Second 4beds 2baths 800msqr $380k. Westen Sydney property (owner occupier)did great, bought in end of 2014

By June 2016 property revalued at $150k more without landscaping done.I know you guys talked about Brisbane few times but it will be great to listen what you think about logan area and recent rezoning of Loganlea. Questions:- is it ok pay higher price for the properties (houses)that fall within the high-medium density or residential core for a future land bank?

  • Clayton on buying off the plan properties: Hi, I would LOVE to get your opinion on buying off the plan properties and what to look out for. This course of action has been put forward by a mortgage broker/real estate developer in Brisbane who will benefit from both the commission on the mortgage and the property itself (they have openly disclosed this). The property will be an investment and NOT my PPR. Love the show and keep up the good work.

 

If you like this Q&A episode (Borderless Investing, Loan Redraw, Suburb Demographic and more), don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Bonusisode | Listen everyone… This Is Serious!

Housing Affordability. APRA. Investor’s Lending. Super Property Deposit Debate.

These are headline news for the last few weeks which have been monopolising the business section of most press for some time now. So, we don’t think we can wait any longer either!

Now, what did they chat about today? You would be expecting conversation around the long-term sustainability of the Australian Property Market, an upcoming correction and who will be affected; APRA’s move on investment lending; changes on interest-only loans and how it will affect some borrowers out there; implementing Money SMARTS during these times; relationship between migration and the economy; the Superannuation Property Deposit Debate and more.

Let us forewarn you that this Bonusisode is not as light as our usual episodes. This time, Bryce and Ben discuss some critical housing and political issues and as usual, the commentary in this show is general in nature and is an opinion comment by both of them. It does not take into account the particular investment objectives or financial situation of any potential listeners, and you should always consult a qualified professional advisor before making any investment decisions.

Some of the references made in this podcast are:

 

If you like this podcast, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

Bonusisode | Chat between TPC and Real Estate Talk – Why I love property?

Bryce recently appeared on our good friend, Kevin Turner’s podcast, Real Estate Talk and we thought it would be a good idea to share it with you guys! If you haven’t check it out yet, tune in to Kevin’s podcast for some great quality property investment news, tips and strategy from Australia’s Top Property Experts and more. In this Bonusisode, Bryce and Kevin will be chatting about:

  • Why Bryce chose property out of all the asset classes out there
  • What motivated him to start investing in property
  • His first property and the mistakes he had made in the early years
  • The awareness on property investing and level of resources out there for investors
  • Best advice for someone who’s thinking about starting an investment property portfolio

 

 

If you like this podcast: “Chat between TPC and Real Estate Talk – Why I love property?”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

110 (Part 2) | Meet Frank from The Block! – Chat with Frank Valentic, Director of Advantage Property Consulting

Carrying on from Part One, here’s the second instalment of Episode 110 featuring one of Australia’s most renowned Buyer’s Agents, Frank Valentic on the couch today with Bryce and Ben. Now, let’s get into it straight away! For Part Two, the guys will be chatting about:

  • Factors to consider when researching a location ie gentrification, schooling, lifestyle and more
  • Scarcity in property and what type of properties he invests in
  • Some of the common mistakes buyers make when buying a property
  • Tips and cautions to know when buying interstate
  • Land tax in Victoria
  • How to act at an auction and tips for when you’re bidding

 

And so much more! And of course, make sure you don’t miss out on Bryce’s Life Hack and Ben’s Did you Know segments this week to end another brilliant and informative chat with another special guest.

If you like this podcast: “Meet Frank from The Block! – Chat with Frank Valentic, Director of Advantage Property Consulting”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

110 (Part 1) | Meet Frank from The Block! – Chat with Frank Valentic, Director of Advantage Property Consulting

To carry on our Real Estate Agent series, we have Frank Valentic for this 2-part episode! Household name and Director of Advantage Property Consulting, Frank often appears on the TV series The Block, helping his buyers snatch up a few properties on auction day! He joins Bryce and Ben today to give you all an insight into his world of being one of Australia’s leading Buyer’s Agents. In part one, we listen to Bryce, Ben and Frank discuss the following topics and more:

  • How he got into his first property back in 1995 and started his portfolio
  • Frank’s professional background and how he went from semi-professional soccer player, to P.E Teacher, to a Buyer’s Agent
  • How did he research for properties back when he just started and how it has changed since then
  • His mentor in life
  • What his motivations are for being successful in the buyers agent field
  • Where to get off market properties and are they always a great investment
  • What are the due diligence to be done prior to purchasing an investment property
  • Tips for first home buyers looking to get into the market

 

Make sure to listen to the whole of this part to learn even more tips and information. And of course stay tuned for part 2 so you don’t miss out on all of the absolute gold discussed in this week’s episode.

If you like this podcast: “Meet Frank from The Block! – Chat with Frank Valentic, Director of Advantage Property Consulting”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

109 | Do Relationships Matter In Real Estate? – Chat with Glen Coutinho, Director of RT Edgar

We are excited to announce that today’s episode is the start of our Real Estate Agent Series! Joining us to kick start this series is Glen Coutinho, Director and Senior Auctioneer for RT Edgar. With over 30 years of experience within the industry, Glen lets us in on some valuable tips to keep in mind during property auctions, how to deal with selling agents and more!

Here are some of the key topics that Bryce, Ben and Glen talk about today:

  • Glen’s professional background and how he became a Real Estate agent
  • What kind of property investor he is and his investment strategy
  • His tips on selecting an investment grade asset
  • Behavioural techniques to portray and look out for when buying at an auction
  • Rookie mistakes he sees buyers make
  • The strategy to being a good real estate agent and providing excellent customer service
  • What should you consider when engaging a selling agent
  • An insider’s peek at a life of a selling agent and what goes into the price setting process

And lots more! Make sure to tune into this episode to find out all of the gold provided today!

If you like this podcast: “Do Relationships Matter In Real Estate? – Chat with Glen Coutinho, Director of RT Edgar”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

108 | Five Ways To Improve Affordability

Back in Episode 102, Bryce and Ben discussed if we are facing an affordability issue and when Jan Somers appeared on our show last month, she mentioned that her aunt was also concerned about housing affordability back in the 1950s. Now, with the Federal Budget just a couple of months away, this topic appears yet again, and it seems to be the favourite amongst our politicians.

This time, the debate is about improving affordability for first home buyers. Now, don’t get us wrong. The Property Couch believes in the Great Australian Dream and owning your home. But as mentioned before, your first home will not be luxurious nor will it tick all the criteria of your dream home. This is about setting the right expectation because you would get to your dream home, and you would be able to get that quarter acre house eventually. But it will not happen overnight. You need to work for it, and you need to be smart with your decisions especially when it comes to money and planning for the future. Your first home, may not be your dream home but this does not mean that your second or third home wouldn’t be.

That is why education around property and awareness on the risk of investing in property is so important. This is one of the suggestions that Bryce and Ben chat about to improve affordability in the Australian Property Market. Tune in to find out the rest.

And the other stuff mentioned in this episode are:

  • Has the Way We Look at Financial Stability Changed Since the Global Financial Crisis? – Speech by Michelle Bullock, Assistant Governor (Financial System) of RBA: Listen/Read Here
  • Core Logic’s Pain and Gain Quarterly Report : Download Here
  • Fact Sheet on Guarantor Loan : Download Here
  • Bryce’s video on the four players in the industry is part of the Property Formula video series. If you are interested to watch this, you can Register Here

 

And as always, if you like this episode (Five Ways To Improve Affordability), don’t forget to rate us on our iTunes channel and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

107 (Part 2) | Contract Reviews, Off The Plan and SMSF Purchases and more – Chat with Nicole Faid, Principal of Accord Conveyancing

We hope you enjoyed the first part of this two-part special guest week episode! In the second instalment of this episode with Nicole Faid; Bryce, Ben and Nicole all go into more detail concerning conveyancing, whilst focusing on some of the following areas:

  • Off the plan contracts: What to expect and be aware of
  • Possibility of getting your deposit back if you decide to pull out of the deal
  • Anecdotes with regards to purchasers and a vendors’ deal
  • Why is it important to get contract reviews and is it too late if the contract has already been signed?
  • A purchaser’s rights when buying a property and what the condition of the property should be like after the deal has been made
  • What is considered as an acceptable amount of compensation if there are faults to be repaired on the property?
  • The difference between joint tenants and tenants in common
  • What is spousal transfer and how it works?

 

And of course, there is so much more they talk about and in a lot more detail. With a lot more laughs, jokes and information for you all; make sure you don’t miss the second part of episode 107 and don’t forget to stay tuned for Bryce’s Life Hack and Ben’s “Did you Know…” segment.

 

If you like this podcast: “Contract Reviews, Off The Plan and SMSF Purchases and more – Chat with Nicole Faid, Principal of Accord Conveyancing”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

107 (Part 1) | What Is Conveyancing and How Does It Help With The Settlement Process? – Chat with Nicole Faid, Principal of Accord Conveyancing

Due to there being an excess of absolute gold in yet another special guest week episode, we’ve had to split this week’s episode into two! Today joining Bryce and Ben for this hour long episode is Nicole Faid, principal and founder of Accord Conveyancing.  With over 25 years of industry experience, and managing around 15,000 conveyancing transactions during her career so far, the insights and opinion she provides are not to be missed out on.

In this part, Bryce, Ben and Nicole discuss some of the following areas:

  • Her story and how she got into Conveyancing
  • What Conveyancing actually means and what the process is
  • How is the settlement process like and what are the paperwork and due diligence involved
  • What are the common road blocks a conveyancer or solicitor faced at settlement
  • Will there be a unified conveyancing legislation across Australia
  • Questions a client should be asking a Conveyancer
  • Different clauses that property buyers should put into their contracts
  • Some tips to ensure a smooth settlement

 

And so much more! To learn more, make sure to tune in, and remember to listen to the next part as well!

 

If you like this podcast: “What Is Conveyancing and How Does It Help With The Settlement Process? – Chat with Nicole Faid, Principal of Accord Conveyancing”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Bonusisode | Chat between TPC and SPI Show – How does a property expert invest in property?

In this joint episode with The Smart Property Investment Show, Phil chats with Ben on the importance of a good money management system when investing in property, having a sound but flexible strategy in place and understanding what you want to achieve at the end of this game of property investing.

We have mentioned it a few times on The Property Couch that it is important to have an end goal in mind when you are building your portfolio. What are we striving to achieve and where is the final destination we want ourselves to be at? These are the questions you need to ask yourself because otherwise, you would constantly be wondering if it’s ever going to be enough and ultimately, when would you stop to enjoy the fruits of your labour?

They also chat about Ben’s personal portfolio, how he started investing in property and why he’s so passionate about this industry. Tune in now to find out more.

 

If you like this podcast: “Bonusisode | Chat between TPC and SPI Show – How does a property expert invest in property?”, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/.

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