X
The Property Couch Logo

484 | Cracking the Code: Mastering the 60% Land to Asset Ratio

By in Podcast, Property Investment, Q&A

Subscribe On Itunes Subscribe On Android

 

With soaring immigration and construction hitting historic lows, Australia’s property market faces an accommodation crisis. 

In Bryce’s words, “Disincentives have been happening for over a decade.”   

Kicking off our first Q&A session for 2024, we’re diving into the widespread economic and political factors that have become “the perfect recipe” for today’s housing crisis.  

We also dissect how to master the 60% of land-to-asset ratios and tackle this burning question:   

Is Brisbane a wise choice for investment with the 2032 Olympics on the horizon? Can we anticipate a property surge post-game? 

 Tune in now to find out! 

  

P.S. Happy International Women’s Day! To celebrate all the incredible women in our lives, how far we’ve come, and the work still to be done, we’ve got a special message from some of our great friends and past guests on The Property Couch. 

 

Free Stuff Mentioned

  • Moorr Webinar: Best Tools for the Job – What to Use When?
    7:30pm AEDT, 19 March
    Within Moorr, our money management platform, there are currently over 25 features and tools, providing more than 100 different insights! In our webinar we’ll guide you on the best tools for the job and reveal how all your data comes together to give you meaningful insights through our “track your progress” approach to money management. Find out more or reserve your spot >>  
  • Previous Episodes mentioned: 480 | How to FAIL to Retire on $2K Per Week 

 

Graphs mentioned

484 - Q2 Land to Value Ratios

 

Questions We Answer 

 Q1) Investment in Brisbane for 2032 Olympics from Jeremy  

“Hey Bryce and Ben, this is Jeremy from Brisbane. 

I’ve been listening to you guys now for approximately five months after I discovered your book. I’m up to episode 95 today, plus the one a week that you release. 

With this level of immersion, I think I’m actually hearing you guys talk in my dreams. I think I’ve finally got past the foreign language sign ups too, which is a big step. 

I really appreciate what you guys are offering with your knowledge and insight based on your experiences and expertise, it’s really helping me personally to make better choices in regards to where I’m coming with my investments. 

Anyway, the question is, what do you think about investing in the areas that are being upgraded for the upcoming Olympics in Brisbane? 

Do you think they will be good up until then and then crash, or at least decline? 

Or you believe that the infrastructure in the area will then support the growth for years to come? 

Thanks boys. Appreciate your help and keep up with work” 

 

Q2) Land to Asset Ratio from Bronwyn 

 “Hi Ben and Bryce, my name is Bronwyn and I just wanted to ask a general question in regards to Land values. We talk about Land to Asset ratios when purchasing property.  

I do have a property, and this doesn’t need to be generally specific to that property, but the council valuations or government valuations on the land are far lower than what land is being sold for in the area.   

I just wanted to understand when you’re looking at land to asset ratios, which land value were we actually utilizing to get our percentages?”  

 

Q3) Challenges in Addressing the Accommodation Crisis from Michael 

“Hi Bryce and Ben, my name is Michael. 

I’m interested in your thoughts on the accommodation crisis gripping our country at the moment. We have record levels of immigration while we are recording all time low levels in building approvals and building completions. Builders are going bankrupt every day and leaving the industry. 

We have a skills shortage with a lack of trades people available to do the work. Material costs keep rising faster than inflation there’s a shortage of land to develop, increasing interest rates are severely limiting the amount borrowers can obtain from the banks and APRA are still insisting bank apply a 3% test on interest rates charged. 

The only solution government seems to be able to come up with is to subsidise build to rent with land tax concessions, and massive investment in public housing. But there are not enough trades to build these dwellings. At the same time, the government punishes property investors with higher taxes, increased compliance costs, expectations of ever increasing standards and accommodation provision, and taxes on short term accommodation. 

With private sector provides 97% of private rental accommodation yet I can’t think of one incentive that is being provided to motivate them to provide more. 40% of the build cost goes to three level of government. I feel this needs to be reduced. I would like to see the removal of stamp duty for purchases buying off the plan in order to feed the pipeline for greater supply. 

This will provide developers and necessary pre-purchases required to obtain construction funding. The development section has been in decline ever since stamp duty concessions for off the plan purchases were removed several years ago. 

I’m interested on your thoughts on this proposal and whether you have any other ideas. Thanks.”  

 

Timestamps

  • 0:00 – Cracking the Code: Mastering the 60% Land to Asset Ratio   
  • 2:47 – Happy International Women’s Day!  
  • 10:07 – Moorr Webinar: The best tools for the job…  
  • 12:34 – Mindset Minute: Gold from Poor Charlie’s Almanack  
  • 21:00 – “The time horizon speak is directly proportional to…” 
  • 23:47 – Q1) Investment in Brisbane for 2032 Olympics 
  • 25:35 – What really matters for economic and property growth  
  • 29:03 – The benefits will actually be spread across Australia…  
  • 31:12 – Olympic-sized successes and failures  
  • 35:38 – What happens after the torch?  
  • 36:03 – Our verdict!  
  • 37:46 – Q2) Land to Asset Ratio 
  • 38:48 – How to crack the 60% land-to-asset ratio 
  • 41:39 – Note! There are different costs for different types of builds  
  • 42:27 – Hack for properties that are older than 30 years!  
  • 45:08 – Watch the YouTube video to see this in-depth graph  
  • 46:28 – Why we prefer older over new properties  
  • 47:42 – Talk to your local Buyers Agents!  
  • 48:25 – What happens if you don’t care about land value?  
  • 50:05 – Q3) Challenges in Addressing the Accommodation Crisis
  • 52:13 – Why did the builders tap out?  
  • 53:27 – The recipe for short-term disaster  
  • 57:31 – “We’ve Been Disincentivised for Over a Decade” 
  • 1:02:27 – Victoria’s Minimum Standards are a great example of this!  

And… 

  • 1:03:49 – Lifehack: How to improve your sleep quality  
  • 1:06:55 – WMPN 1) Fact-checking the Greens  
  • 1:12:02 – WMPN 2) NSW’s “No-Ground Eviction” up for debate 

 

464 | Using SMSFs to Avoid Getting Stuck on Your Next Property! – Q&A Day

By in Podcast, Property Investment, Q&A

Subscribe On Itunes Subscribe On Android

 

Many investors can’t seem to move beyond owning 2-properties due to limited borrowing power or equity, so why don’t more people turn to Self-Manager Super Funds (SMSFs) as an answer?  

Folks, this is just ONE of the enlightening questions from today’s enormous Q&A episode which has a bit of gold for every property investor, no matter what stage you are at on your property journey.  

From the ultimate pros and cons list of SMSFs to revealing the true long-term advantages of owner-occupier appeal – and why it matters over high yield – we’re exploring the winning strategies one can use to move up the property ladder.  

 We also explore the moral and ethical dilemma of property investing (are you evil if you become a property owner?!?) and do a first-time reveal of our newest series.  

Tune in now to hear all this – and how you can access this series for free – and learn how to maximise your returns today! 😊  

Questions We Answer…

Q1) Property Owners Are Evil from Boyd 

Hi Bryce and Ben.

I just want to let you know that I love the podcast. Find it very insightful and I listen to it all the time. My question today is around property investing and, more around the ethical/ moral side.

You hear a lot of the media, even friends and colleagues always scrutinise property investors as – they’re the evil people in the world trying to screw over all the people – which I can agree to an extent I would say.

My partner and I are very ethical and morally driven, we feel like and we are looking to invest next year and struggling to sort of decide whether we actually want to because of those reasons.

We feel we still will because a) we want a better lives and our future, but also b) we don’t think we’re going to be those type of people that will squeeze every bit of money out of everyone and a bunch of other reasons.

I was just more wondering how you would end that sort of question if someone said that to you because….. and if there’s any other. reasons why which would maybe help us in our journey and other people in a journey that are sort of up in the arms about it.

Thank you very much for your time.

 

Q2) Buying Property Through SMSF from Milind 

Hi, I don’t see any dedicated episode on SMSF or buying property through SMSF.

Most buyers get stuck at the second property because of inadequate equity or borrowing power and SMSF is buying property is is really one of the good options but I don’t see anything on that so can you please cover that in detail thank you.

 

Q3) Why Owner Occupier Appeal from Kate

Hey guys,

Love the podcast but am struggling to see why you would hunt down properties that have owner occupier appeal and good long term capital growth if you also advocate to hold properties for the long term and never sell. 🤷‍♀️

If you’re never selling them then why does that matter? Wouldn’t you want to find high yielding properties and enjoy cash flow now and in retirement?

Sorry if this is an ignorant question.

Thank you 🙏

 

Free Stuff Mentioned

Here’s some of the gold we cover… 

  • 0:00 – Using SMSFs to Avoid Getting Stuck on Your Next Property!  
  • 3:35 – We’ve got a brand-new series out?! (+ How you can get it for FREE!)  
  • 5:12 – Want to be on the couch?? Calling all 2023/24 Summer Series Guests  
  • 5:50 – Mindset Minute: The 3 Magic Principles of Mastery  
  • 8:58 – Q1) Property Owners Are Evil  
  • 10:32 – A perception shift around providing rental accommodation… 
  • 14:07 – Why your friends aren’t always right!  
  • 16:01 – The Fishing Analogy 🐟 
  • 18:15 – How do we benefit Australia economically and socially?  
  • 22:42 – Q2) Buying Property Through SMSF (Self-Managed Super Fund)  
  • 23:24 – A little disclaimer… 
  • 24:13 – How does SMSF work?  
  • 26:18 – The Pros of SMSF 
  • 28:07 – Beware of these Cons!    
  • 29:39 – Considerations BEFORE using a SMSF 
  • 33:57 – FOLKS, BE SURE TO GET THIS  
  • 36:50 – Why does the name of the contract matter?
  • 40:25 – Q3) Why Owner Occupier Appeal?  
  • 41:39 – It boils down to these 2 things… 
  • 46:06 – The true advantage of owner-occupier appeal 
  • 50:41 – Justify by emotion & logic! 

And… 

  • 57:39 – Lifehack: Why should you only eat to 80% capacity?  
  • 1:00:21 – WMPN: The BEST and WORST states to invest in and more findings from PIPA’s 2023 Sentiment Survey  

463 | Property Managers: Are They Worth It?! – Q&A Day

By in Podcast, Property Investment, Q&A

Subscribe On Itunes Subscribe On Android

 

With today’s property and economic conditions in mind, we’re back with a Q&A Day that’s focused on how to maximise your savings. 

Tune in to hear:  

Are property managers really worth it?!  

We’re giving you the unfiltered pros and cons of managing tenants, insurance, taxes and more (Basically we’re unpacking exactly what goes on behind the scenes!)  

If you renovate your Principal Place of Residence (PPOR) can it be considered tax-deductible when you turn it into an investment property?!   

Why is it important to separate household and business incomes? Plus, the newest features coming out on Moorr and managing finances at the start of a new relationship, and… 

How accurate is the narrative around property owners today?! 

Another massive episode that picked our brains (and the brains of our friends at BMT Tax Experts 😉) tune in now to discover our answers! 

 

Questions We Answer…

Q1) Saving $$ through getting rid of the property manager from Sean 

Firstly, thank you Bryce and Ben for your advice and your podcast.

Based on that we bought our first investment property just over a year ago which was great. But obviously it went from being very positively geared to rapidly. going to negatively geared very much so.

I know recently you’ve said to hold property at all costs and also mention taking on a second job etcetera.

Would you consider removing the property manager as part of this is as this would save us $50 a week and potentially bring it around to. being cash flow neutral?

Bear in mind that we live a literal stones throw away from our investment property and I have some friends who are electricians etc.

I’m just interested on your thoughts and whether that would be. considered almost like taking on a second job.

Thanks.

 

Q2) Investment Deductions when moving to PPR from Edward 

Hi, we currently live in a property.

We are looking at getting an investment property and maybe moving out of our current primary residency and turning that into an investment property.

We are doing some works on it at the moment and new floors new kitchen, maybe new bathrooms.

Is there a way to get them as a investment deduction when they transfer to an investment property?

How can I leverage that?

 

Q3) Moorr – money management with business AND partner

Hey guys, thank you for the books.

Make money simple again. Completely went through it and it makes complete sense. I just got a question for you, I’m in Moorr and I’m doing all my expenses, income and all that kind of stuff.

The income that I derive is from my business, so I use my individual taxes returns – average the two trust distributions, and that’s what I’ve done for my income.

However, with the debts, I’ve got a few debts in the business.

I was just wondering whether or not I need to put that that credit card debt in the Moorr portal and then how to separate the expenses because obviously I’ve got business expenses and what not and what to add and what not to add a little query.

The other question was my partner and I do our banking separately we derive our income separately but then we put a joint budget to cover you know groceries, car expenses and any expenses as a joint expense.

I’m just trying to figure out whether to just do a separate portion from there and just kind of figure it out that way or just really get her involved and bring her on to the Moorr portal and really nut down and try to do it together.

Any advice would be amazing. Thank you.

 

Q4) Property Investors as Small Business Owners 

Hi Bryce (and Ben),

I have been loving the winter series and listening with interest to the some of the conversations (your show and others) that all landlords are “rich heartless bastards (excuse the language) who are just taking advantage of the rental crisis” and wanted to add our own recent experience to try and provide some balance.

We have a property in the NE of Adelaide that has come up for a lease renewal and we were presented with two options/recommendations from our property manager to consider.

Option 1

In line with what has been unprecedented rental increases (well at least in the 20 years I have been investing) in the area, apply what they called a “modest” increase of $30 per week to the current rent.

Option 2

Not renew with this tenant and place the property on the market, with no changes to the property other than an outgoing clean, at current market rental rates which would see us attain somewhere between $130-$150pw increase.

Now to put into perspective Option 1, a $30 pw increase, would be the biggest increase we have ever applied to this property in the 18 years we have owned it.

Historically we have only ever applied increases of $5-$15 pw even when reletting to the market (and across the Covid we applied $0 for no other reason than it felt the right thing to do) so to apply a $30 increase would have been huge, let alone attain $100+!

So what did we do I hear you ask? For us it was a no brainer, we have a great tenant who has been in the property for over 7 years, treats it as her own (she is a single, middle aged lady who initially had her daughters at the home with her, but now is there alone) and who we know would struggle to find an equivalent rental in this market if we did not renew so it was an easy decision for us to offer a renewal of $20 pw (still large in our eyes but we felt fair) which she signed up to within a couple of hours.

We did this despite seeing, since October 2019, our interest costs on this property go up 116% ($11,200pa) whilst only passing along a 4% ($780pa) rental increase to our tenant over that same period.

Yes, we could have tried to recoup more from our existing tenant or not renewing and grabbing one of the many people we know would be queuing up to secure a property like ours however the combination of it just not passing the “sleep tax test” (as one of your guests so well put recently) as the right thing to do and knowing this is a long term play where we have built up our buffers (in part thanks to your teachings) over the years that allow us to ride out this period, do the right thing by our tenant, and still be on our path to being self funded retirees in the next 5-10 years.

Anyway, sorry this has become such a long email but I felt the need to share and confirm what you have been saying over the last few months – not all property owners are bastards, many of us genuinely play the balancing game of trying to set ourselves up to be comfortable (not outrageously rich) in retirement without being a financial burden on society.

We are also very aware that at the end of the day there is a person/family calling our property home that needs to be treated respectfully as well.

I hope it helps in what you are doing [and if you want to share it in any way that assists I am happy for you to do that if you could just keep us reasonably anonymous with anything you might make public].

Thanks, keep up the good work and of course “Go Crows!”

 

Free Stuff Mentioned

  

Timestamps

  • 0:00 – Property Managers: Are They Worth It?!
  • 6:24 – Calling all Summer Series guests! ☀️ 
  • 8:01 – A little teaser about a NEW course coming out… 
  • 8:56 – Mindset Minute – The 2 master skills for an extraordinary life 😊
  • 12:40 – Q1) Saving $$ through getting rid of the property manager 
  • 15:05 – The 3 Buckets 🪣 
  • 15:53 – What risks do you run with tenants?  
  • 21:10 – The Basics vs. The Rest  
  • 23:14 – Limited Growth: It’s human nature! 🌱 
  • 24:33 – Insurance, Tax & Fools Gold?!  
  • 27:55 – In summary, our answer is…  
  • 29:03 – Q2) Investment Deductions when moving to PPR 
  • 29:49 – THIS is considered second hand 😮  
  • 31:50 – What we’d recommend! (Read the report from BMT here!)  
  • 33:38 – Q3) Moorr: Money management with business AND partner 
  • 35:39 – Household vs. business incomes: Why does it matter?!  
  • 38:29 – A lot of people don’t realise Moorr has THIS capability!  
  • 41:23 – Transparency & finances in early relationships  
  • 43:03 – ANOTHER SNEAK PEEK!!! 😉  
  • 46:24 – Q4) Property Investors as Small Business Owners 
  • 50:34 – The Real vs. Fake narrative being sold… 
  • 52:10 – Findings from PIPA’s 2023 Sentiment Survey  

And… 

  • 56:08 – Lifehack: Save videos to watch later!  
  • 58:38 – What’s Making Property News: Ben was at the Victorian Inquiry!  

448 | The Interest Only vs P&I Debate – which is better?

By in Podcast, Property Investment, Q&A

Subscribe On Itunes Subscribe On Android

 

In our latest Q&A episode, we dive deep into the intricate mechanics of interest-only loans, we unveil some of the strategies for managing mortgage stress, and we also unlock the hidden gems of building financial muscle memory.  

Get ready to unlock a wealth of knowledge and practical insights as we explore the art of budgeting, saving, and setting goals. Discover the power of delayed gratification and learn how it can shape your financial future. 

In this episode, we address the burning questions that have been on your mind.  

We leave no stone unturned as we demystify these key themes: 

  • The complexities of interest-only loans, shedding light on their benefits and considerations 
  • We explore the nuances of repayment options 
  • Interest rates, and the potential long-term impact of interest-only loans on your financial journey 

We also navigate the realm of mortgage stress and unpack how to establish a realistic budget to prioritising savings!  

But wait, there’s more! Prepare to unleash the ultimate weapon: financial muscle memory. Discover how small, consistent actions can lead to significant financial gains over time. We delve into the psychology of decision-making, empowering you to seize control, make savvy choices, and skyrocket your financial well-being. 

Don’t miss out on our latest Q&A episode folks!!  Tune in now or watch the episode below

 

Here’s some of the gold we cover… 

  • 4:28 – Mindset Minute 
  • 12:35 – Question #1 
  • 15:50 – Not everyone will buy new! 
  • 16:40 – Investing in new vs living in new 
  • 19:23 – The optimal outcome 
  • 20:35 – Basics of Land to asset ratio can be aspirational  
  • 24:40 – We are not fully rusted!! 
  • 26:45 – Question #2 
  • 28:50 – Interest Only mechanics 
  • 30:00 – Will the banks allow IO loans? 
  • 30:25 – How it affects loan term 
  • 31:35 – Interest only lending the whole time 
  • 33:20 – Filling offset buckets is the key 
  • 34:50 – What happens if you refinance to another lender? 
  • 35:50 – Higher interest rate currently 
  • 37:25 – Question #3 
  • 39:40 – Building muscle memory  
  • 41:35 – More surplus to make decisions 
  • 42:30 – Upside gains 
  • 43:00 – Informed decisions  
  • 43:30 – Mortgage stress – Refer to previous episode around Ep 444 – How to tackle mortgage stress 
  • 43:45 – Question #4 
  • 47:00 – Teaching them to fish 
  • 47:50 – The value of money 
  • 50:40 – Budgeting and saving 
  • 51:25 – Try and make it fun 
  • 56:50 – Financial Literacy 
  • 59:00 – Love is spelt T.I.M.E  
  • AND….. 
  • 59:20 – Life Hack (from Ben 😊) 
  • 1:02:20 – What’s Making Property News

Want to work with Bryce & Ben’s Award-Winning Team? 

Get Moorr out of your money:

Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

432 | Another Tax Grab…What 62.5%?!?!

By in Podcast, Property Investment, Q&A

Subscribe On Itunes Subscribe On Android

It’s sad but true, we’re back with yet ANOTHER tax grab (It feels like just yesterday that we were waving goodbye to Queensland’s diabolical land tax…) and this time…

We’re talking about a tax that’s set to take 62.5% of your earnings!!! 🤯🏃

Folks, we’re covering everything you need to know about Windfall Gains Tax – what it is, where it came from (according to Ben 😉) and how much you can be expecting to pay. 

(Oh, did we mention you only have 30 DAYS to pay?!)  

Yep. Welcome back to our first Q&A session for 2023 where we’re tackling this shocking tax grab, along with a line-up of fantastic questions like… 

👉 Should I renovate and rent now or rent then renovate later?!

👉 Why buy Established over new housing?! (How much do you really benefit?)

👉 And if diversification is the key to growth, should one expand their investments beyond property?!  

 Another jam-packed episode that sees Ben more fired up than ever (and not just because he gets called Benjy 😉). Tune in now!  

 

P.S. For any of those folks who have been using our Moorr platform and gained value from it, we would appreciate it from the bottom of our hearts if you could leave us a 5-star review on Apple or Google Play! This helps us to reach and help more people take control of their money on their path to financial freedom.  

 

Questions We Answer

Question from Kristy on Rent and Renovate – Now or Later?  

Hello to The Property Couch and all listeners. 

My question relates to an investment property I have in Geelong. It’s a 1980’s property in original condition on a very large block and it’s planned to be a long term hold. 

I’m trying to examine two strategies. The first being just simply rent out and renovate it when it’s time to sell maybe in 20 years versus renovate now and rent it out.Where would we be in 20 years?  

With the first strategy, the property would be very rundown by then. With the second strategy the property would likely need another renovation. Of course, I’m trying to be smart with the numbers to see where we might end up. Which strategy would produce more capital growth? Any thoughts or suggestions with how I might evaluate this? Many thanks and can’t wait to hear back from you. 

 

Question from Wayne on New Housing vs Established 

G’day boys. 

Wayne here from Brisbane. I wanna ask a question here. I’m a little worried that the quality of the information or my voice might be tainted let me start off we go the pies. 

So I’ve been listening to your podcast for quite some time now. I’ve circled to most of the episodes. One of the questions I have is around the established properties versus obviously the house and land packages and so on. 

I get that there’s a whole issue with the supply and demand in newer states and all that sort of stuff. I guess where the confusion for me comes is generally the properties will experience growth because the phases and stages of new developments obviously the land gets more expensive I don’t think it ever gets cheaper so that would kind of dictate that you’re actually going to get some capital growth even in the early stages and if you buy it for long term, 20 or 30 years then obviously at some point these newer states are going to become the established estates as they open up more land etc. 

So obviously the savings that happen in terms of stamp duty being paid on new purchases if you’re only paying it on the land is significant savings there. The non-cash deductions on new properties obviously there’s significant rebates and sort of stuff there from a tax perspective. 

So just wondering why it’s kind of not the accepted way to go?  

I’m not disputing what you guys teach, obviously, you’ve been doing this a couple lot longer than I have but I just I just wonder if you can explain am I missing something? Or you know my reading it right and and just you know it’s one of the options that are available to us so anyway thanks for the info.

 

Question from Ned on Windfall Gains Tax 

G’day Bryce, G’day Ben.

Firstly, thanks so much for all the work you do with the property couch podcast as well as your book. I’ve really really enjoyed my time reading and listening so thanks for all the hard work that you do. It’s really valuable for all your community, no doubt.

My name is Ned, I’m 22 and I’m from Adelaide and I have a question about windfall gains tax particularly how that looks in Victorian Market. I think it could be of interest of payable who either hold currently assets in the rural sector or those looking to potentially invest in that market too so if you could explain what it is exactly, first of all and how it looks going in to the next few years.

I think a lot of people would be interested so thanks guys.I will be looking forward for your response.

 

Question from Cam on Property & Shares – Diversification 

Hi Bryce and Ben.

My name is Cam. Now I have a question for you. If diversification is really the key your growth then the key to your assets, then would you recommend considering other asset clauses such as shares or ETFs?

The reason being is obviously we all love diversification and we do not want to throw our eggs in to one basket. Obviously the great thing about property is that there is a lot of leverage that you can place in to one asset. You could control half a million dollar property in less than 20% even in some cases 5% down.

But if diversification is the key and you have the sizeable amount that you wanted to truly be diversified, with franking credits and dividends being paid, is shares and ETFs something that all people should consider? Or are shares and ETFs something that people should  consider in combination of couple of investment properties?

 

Free Stuff Mentioned… 

  • Happy 8th Birthday on The Property Couch! To celebrate we’re giving our awesome community 1-week FREE access to our Suburb Report for (Usually costs $39).
    Click here and enter the Coupon Code: TPCBIRTHDAY. Limit 5 per person.
    Note: To ensure you are not charged, please purchase a single Suburb Report x 5 times. If you add 5 Suburb Reports into one cart purchase, you will only receive a $39.00 discount. Hence purchase one report at a time please 🙂  This offer expires 9th March 2023.  
  • Learn how to make your WealthSPEED go faster! Check out Ben’s newest videos:  
  • Read the article from Ben’s “What’s Making Property News?” here >> 
  • Send us your questions!  (and if it appears on the podcast, we’ll send you a Start & Build course for FREE!) 
  • For our Moorr users, if you’ve gained value from our money management platform, we’d seriously appreciate it if you left us a 5-star review on Apple or Google Play! Help us to reach thousands of other hard-working Aussies on their property investing journey. 😊  
  • Episodes referenced:  Episode 418 | The Hidden Forces Driving Property Values 

 

Want to work with Bryce & Ben’s Award-Winning Team? 

 

Here’s some of the gold we cover… 

  • 0:00 – Welcome back & send us your Qs!  
  • 4:32 – Free Resources: Make Your WealthSPEED Go Faster, Free Suburb Report & Moorr!  
  • 12:29 – Mindset Minute: If you feel you’re in control, you’re more likely to… 
  • 16:31 – Q1) Renovate now or later?  
  • 17:30 – What Kristy should be considering…  
  • 19:13 – Ben & Bryce’s rule of thumb for renovations! 
  • 21:25 – Our thought process behind this question (+ potential benefits)   
  • 25:54 – Q2) Buying New Housing vs Established 
  • 28:20 – Why land-to-asset ratio matters! 
  • 31:19 – It boils down to THIS thinking… 
  • 34:10 – Folks, it’s about that 1 or 2%!  
  • 38:00 – Spruikers will show you this 🤨 (& where risk lives)  
  • 41:20 – Q3) Windfall Gains Tax  
  • 42:13 – Everything you need to know about Windfall Gains Tax (An extra 62.5% tax?!?!?)  
  • 45:15 – …And here’s when the thresholds kick in! (It’s not great folks)  
  • 46:50 – Let’s dive into an example… 
  • 48:25 – Who ultimately pays?  
  • 50:55 – This has been our message since Day 1!  
  • 53:08 – The hidden impacts of this tax + how to circumnavigate it  
  • 55:14 – Q4) Property & Shares – Diversification 
  • 56:56 – The best investors say this…  
  • 59:31 – Weighing up the benefits vs costs with diversification  
  • 1:02:20 – Folks, we will NEVER say this…(& the checklist we do recommend!)  
  • 1:03:26 – How to diversify your portfolio beyond property!  

And… 

 

Get Moorr out of your money:
Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

Instagram

Free Resources

What to be notified when there are
new updates & free resources?

  • This field is for validation purposes and should be left unchanged.

© The Property Couch. All Rights Reserved | Terms & Conditions | Privacy | Who Designed This Website?

×

MONEY SMARTS SYSTEM

  • The Best Money Management System Ever!
  • Worrying About Money is a Thing of the Past
  • Don’t “Unconsciously” Overspend Ever Again

Plus We Will Also Notify You When We Release New Episodes

We Only Send You Awesome Stuff

×

SUGGEST A GUEST!

We Only Send You Awesome Stuff

×