Performance Property Data

"You should look for somebody who is a PIPA member, because then you know you can have confidence that they have your interests at heart."

David's guest on this instalment of Property Insiders is lecturer, author, and Chair of The Property Investment Professionals of Australia (PIPA), Peter Koulizos. He chats with David about PIPA's objectives, and the benefits it offers both members and consumers.

PIPA is the peak association for property investment professionals, providing education to members, as well as helping and protecting consumers with their property investments.

PIPA has a code of conduct that all professionals need to abide by to join and maintain membership. This code of conduct is taken very seriously, and people are often denied inclusion, or have their membership revoked.

In joining, members get to be a part of a group whose main aim is to serve the consumer, rather than just to make money for themselves. They can be recognised as a true professional who follow the code and are ethical operators. Peter acknowledges there can be a dark side to the industry, where people try to rip off consumers, and PIPA helps consumers make safer choices about who they work with.

Dealing with PIPA members mean consumers can have confidence that their advisor has their best interests at heart. Rogues, spruikers, and unethical operators can't be members of PIPA, and both Peter and David know from experience that all the best professionals in the industry are PIPA members. If a consumer is dealing with a PIPA member, they can be confident they are working with a quality independent advisor.

Peter tells David that PIPA's main long term objective is to bring regulation to the industry, including developing industry codes and introducing legislation that protects investors. Peter is always amazed that the people who advise consumers on what may be the biggest investment of their lives, don't need any qualifications or ongoing professional development. PIPA seeks to provide this development, by offering regular webinars, communicating information to members, being a source of compliance and regulatory information, developing a code of conduct, and working continuously to ensure integrity in the industry.

About your host, David McMillan

During his 16 years in the property industry David has worked as a property valuer and property adviser to private clients, financial planners, accountants, finance brokers, major banks and governments. He has been involved in more than $500M worth of transactions across Victoria, New South Wales, South Australia & Queensland.

Since 2009, David has been specifically focused on helping medical professionals, expats, business owners and busy executives build effective property portfolios.

David is a fully licensed real estate agent in Victoria, South Australia and Queensland (CEA), Certified Practicing property Valuer (CPV), Qualified Property Investment Advisor (QPIA) and most importantly is an active property investor. David joined the Australian Property Institute in 2001 and is now an Associate (AAPI) and in 2009 became a member of the Real Estate Institute. David currently sits on the board of Property Investment Professionals of Australia (PIPA) to promote ethics in the property investment industry.

About David's guest, Peter Koulizos

Peter is currently the Co-ordinator of the property and share Investment courses at TafeSA. He also teaches the property program at the University of South Australia. He has been teaching in real estate and investment for almost 20 years. Peter also personally invests in property and currently holds several properties. Peter has the ability to combine the theory of property investment with the practical aspects so as to teach people how to make money for themselves from investing in property, whether they be buying, selling, renting, renovating or developing property.

Peter researches property markets around the nation, looking for the best suburbs to invest in each capital city. He has published two book, "The Property Professor's Top Australian Suburbs" and more recently "Property vs Shares". He is also a regular contributor to numerous newspapers, magazines and websites and is sought after by TV and radio for his research and comments on the property market.

For more information on PIPA, head here.

'Property Insiders' is one of three segments you will hear on the Performance Property Data podcast. Released fortnightly, they are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

'The Property Pineapple' is released monthly and is hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins, and admitting their losses.

And 'Performance Insights' are released every Wednesday and Friday, giving you technical information and the lowdown on key property markets around Australia. These episodes are also available as short videos at our youtube channel.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

"Work out what it is that's stopping you…and do something about it."

Sharon's guest on this edition of The Property Pineapple is Kerry Ashbrook, founder and director of Life You Choose, an organisation empowering women to achieve financial independence.

Kerry has bought 11 properties over her life, and still owns three of them. She sat down with Sharon to discuss a few of these purchases and some of the things she has learned along the way.

Kerry spent much of her early years on a caravan travelling around Australia. Although it was often a difficult and challenging experience, it instilled in her the confidence that she could do whatever it was she wanted to do.

Along with the caravan, her parents did own a home which they would return to every once in awhile. Over the years, subsequent relocations to different houses showed to Kerry that they were going backwards financially. In the end, after some bad luck, her parents didn't have a home at all. Even as a child, Kerry witnessed this and knew it wasn't what she wanted for herself.

She bought her first property in Sunshine, and although it was nerve-wracking decision to take the leap, it paid off in the long run as she sold it for a health profit. She had planned to live in it, but never got a chance to as she relocated to Perth for work.

Later, her third purchase was in Bendigo, and was a house that her family could live in while her father battled terminal cancer. It helped her to see how property was a means to something else, rather than a means in itself. To be able to provide for those she loved and provide a place for them all to be together through that difficult time was incredibly important to her.

The fourth house she bought was going to be the one she would ultimately live in. Although it wasn't called rent-vesting back then, that's exactly what she was doing. She was renting where she wanted to live, but had bought properties where she could afford. Now, the time had come where she could also afford to buy where she wanted to live, and so she purchased a place in Port Melbourne.

Kerry believes it is all about the mindset. If you're set on buying where you want to live before you can afford to, then you're probably going to waste a lot of time and money.

Next came a holiday home on Phillip Island, which she now has on AirBnB. Kerry originally listed it with an agent, but then an increase in supply saw the bookings steadily drop over time. Since using AirBnB the bookings have gone through the roof. Although it is more hands-on and time-consuming, the commission is a lot less than going through an agent, and so the yield is greater.

Kerry's philosophy is that it's all about just getting started, and potential investors need to work out what they are able to manage. There are still affordable places to buy in regional cities, so it's about doing your research and getting good people behind you to advise on the best strategies. She believes that people need to work out what it is that's stopping them from doing something, and then do something about it.

Kerry finishes by saying, "You need to have your own home, you need to have an investment strategy, and you need to have your super. And if you don't have all of those three things, you going to end up financially dependent, and that's not a great place to be in and it certainly doesn't give you choices in life."

About your host, Sharon Taylor…

Sharon heads up the research division at Performance Property Advisory. She is responsible for the aggregation of economic and property data sources, as well as deep analysis of the data to provide quarterly reports on each capital city of Australia.

These reports identify between 5 and 8 submarkets in each capital city, and provide an opinion as to the short term performance of each submarket. This information is vital for clients to maximise the performance of existing assets, and also for selection of new blue-chip investment locations.

About Sharon's guest, Kerry Ashbrook…

Kerry Ashbrook is an entrepreneur, businesswoman, inspirational speaker, author, coach, corporate executive, and investor. After a long and successful corporate career and achieving personal wealth through investment, Kerry founded Life You Choose to pursue her passion of educating, challenging and empowering women to get the clarity and confidence needed to choose their life.

With an abundance of experience to share, including how she has successfully built wealth through investment, Kerry has worked with 100s of women from all walks and stages of life. She believes a holistic approach to life is needed, with an understanding that money is key to achieving the control and personal freedom you desire.

To learn more about Life You Choose, head to www.lifeyouchoose.com.au

'The Property Pineapple' is one of three segments you will hear on the Performance Property Data podcast. Released fortnightly, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory), the show presents listeners with stories from real investors, discussing their wins and admitting their losses.

'Property Insiders' are also released fortnightly and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'Performance Insights' are released every Wednesday and Friday, giving you technical information and the lowdown on key property markets around Australia. These episodes are also available as short videos at our youtube channel.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

Joining David on a suburban street in Richmond, Melbourne, Heath Bedford (Director of Acquisitions - Performance Property Advisory) grills David about median house prices. They explain what it is and its importance to investors.

Check out the article to accompany this podcast episode at www.performancedata.com.au

'Performance Insights' is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel.

'The Property Pineapple' is released fortnightly, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins and admitting their losses.

'Property Insiders' are also released fortnightly and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

"I think 90 percent of players will invest in property at some point during their playing days."

David's guest on this episode of Property Insiders is ex-AFL footballer, builder, and Performance Property Advisory consultant, Greg Stafford. They settle down to talk about the work they do advising young sportspeople about maximising their potentially high, yet short-lived, earnings with the right investments.

One of the things that makes sportspeople so unique is their higher salaries as compared to their contemporaries. But due to their youth, the speed with which they amass wealth, and the tendency to spend frivolously, it is important that young sportspeople get the right advice about where to invest their money so it works for them over the long term.

Currently, AFL sporting clubs don't offer this advice themselves, but they are actively encouraging players and provide referrals to trusted advisers. One of these advisers, is Greg Stafford.

Greg often advises players to put their money in property as this has historically shown to be a positive investment. However, he does caution that research is needed, as many have got it wrong in the past, especially with buying off-plan options.

Greg also tells David about some of the top things players can do to protect themselves. However, this advice could be applied to all potential investors.

About your host, David McMillan

During his 16 years in the property industry David has worked as a property valuer and property adviser to private clients, financial planners, accountants, finance brokers, major banks and governments. He has been involved in more than $500M worth of transactions across Victoria, New South Wales, South Australia & Queensland.

Since 2009, David has been specifically focused on helping medical professionals, expats, business owners and busy executives build effective property portfolios.

David is a fully licensed real estate agent in Victoria, South Australia and Queensland (CEA), Certified Practicing property Valuer (CPV), Qualified Property Investment Advisor (QPIA) and most importantly is an active property investor. David joined the Australian Property Institute in 2001 and is now an Associate (AAPI) and in 2009 became a member of the Real Estate Institute. David currently sits on the board of Property Investment Professionals of Australia (PIPA) to promote ethics in the property investment industry.

About David's guest, Greg Stafford

Greg spent 14yrs as a professional sportsman and his involvement in the competitive sports industry like the AFL has taught him many things. Not least of which is reward for hard work, the importance of strong leadership, honesty, a social conscience and a commitment to achieving results. From that grounding he successfully ran his own building company, which to this day can assist clients with pre purchase analysis of renovation/refurbishment scope and feasibility as well as development projects.

Greg is passionate about providing clients with the right 'research based' advice, particularly young athletes; while devoting their life to the sport they seek excellence, they need their investments to work as hard as they do. With an understanding of the precarious nature of professional sport and considering the career 'life span' of most athletes is relatively short, he is determined to guide their property investments in the right direction. It's also his love for mentoring and supporting AFL talent that has seen him perform as Ruck Coach at the Melbourne Football Club for 4 years.

'Property Insiders' is one of three segments you will hear on the Performance Property Data podcast. Released fortnightly, they are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

'The Property Pineapple' is also released fortnightly and is hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins, and admitting their losses.

And 'Performance Insights' are released every Wednesday and Friday, giving you technical information and the lowdown on key property markets around Australia. These episodes are also available as short videos at our youtube channel.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

It's another lovely day in Melbourne, and Sharon and David are in Fitzroy Gardens to bring you another technical insight. International students head to Australia for a number of reasons, and them being here also has a number of positive impacts on our property markets and economy.

'Performance Insights' is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel.

'Property Insiders' is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'The Property Pineapple', also released fortnightly, brings you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).

For more information, including videos and written analysis, detailing how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

On a deceptively hot morning, David and Sharon are in Melbourne's Treasury Gardens for this insight instalment. Looking at some of the pros and cons of foreign investment, they weigh the situation up with reference to both established and new or off-plan properties.

'Performance Insights' is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel.

'Property Insiders' is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'The Property Pineapple', also released fortnightly, brings you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).

For more information, including videos and written analysis, detailing how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

"There's no set rule between owner-occupier and investor. I believe it all comes down to your profile."

David gets together again with Mark Davis from The Australian Lending & Investment Centre (ALIC) to chat around the question…

Should you fix your interest rate?

David and Mark first talk about the process behind how the RBA and banks set interest rates. This includes all the things taken into consideration and also its application to term deposits.

They then talk more specifically about the pros and cons of going with a fixed or variable interest rate. The truth is there is no hard and fast rule, and that either, or a combination, may best for your situation.

Mark also tells David that there should be no real difference between owner-occupiers and investors in terms of interest rates. That being said, variable rates are certainly more risky, and this sometimes makes them more attractive to investors who possess a larger cash buffer.

David asks Mark about any tax benefits, which exist for investors on fixed rates.

Mark advises that all property buyers should talk through all of the pros and cons of each with the advisors and decide on the one that is best for their circumstances and piece of mind.

The discussion concludes with Mark sharing his own personal strategy in regards to interest rates.

About your host, David McMillan

During his 16 years in the property industry David has worked as a property valuer and property adviser to private clients, financial planners, accountants, finance brokers, major banks and governments. He has been involved in more than $500M worth of transactions across Victoria, New South Wales, South Australia & Queensland.

Since 2009, David has been specifically focused on helping medical professionals, expats, business owners and busy executives build effective property portfolios.

David is a fully licensed real estate agent in Victoria, South Australia and Queensland (CEA), Certified Practicing property Valuer (CPV), Qualified Property Investment Advisor (QPIA) and most importantly is an active property investor. David joined the Australian Property Institute in 2001 and is now an Associate (AAPI) and in 2009 became a member of the Real Estate Institute. David currently sits on the board of Property Investment Professionals of Australia (PIPA) to promote ethics in the property investment industry.

About David's guest, Mark Davis

Mark's successful career at ANZ resulted in him becoming the number one national mortgage lender for seven years in a row. Mark's expertise is in lending structures and strategies for wealth creation and the formula utilized within ALIC. Through developing close working relationships with clients, Mark is able to guide and advise the most suitable loan options available as he is constantly aware of market forces surrounding the industry.

Since the inception of The Australian Lending & Investment Centre in 2009, Mark has been at the forefront of industry, being recognised with many Broker of the Year awards.

As the industries leading adviser Mark is frequently called upon to provide up to date and informed opinions for the Australian mainstream media, as well as industry events and articles.

With over 30 years of experience Mark's knowledge and network of key professionals is second to none.

'Property Insiders' is one of three segments you will hear on the Performance Property Data podcast. Released fortnightly, they are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

'The Property Pineapple' is released monthly and is hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins, and admitting their losses.

And 'Performance Insights' are released every Wednesday and Friday, giving you technical information and the lowdown on key property markets around Australia. These episodes are also available as short videos at our youtube channel.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

Coming to your ears from the Performance Property Advisory offices in Collins St, Melbourne, Sharon and Phillip bring you an insight on LVR - Loan to Value Ratio. They discuss what it is, and also its implications for Lender's Mortgage Insurance.

'Performance Insights' is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel.

'Property Insiders' is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'The Property Pineapple' is monthly, bringing you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

David chats with Phillip Almeida (Director Acquisitions at Performance Property Advisory) about relationship between credit growth and house price growth. Credit growth is growth investors see through consumer credit, home loans, business loans or personal loans. They discuss the positive correlation between the two types of growth, where as one goes up, so does the other. Conversely, as credit growth slows, so does house price growth, which is the situation the Australian market is currently in.

'Performance Insights' is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel.

'Property Insiders' is released monthly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'The Property Pineapple' is also released monthly, bringing you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au

Sharon invites her friend and colleague, Phil Almeida (Director Acquisitions at Performance Property Advisory) to chat about his property investing journey.

Starting out as a 19 year old, Phil's first purchase was in the outer-Melbourne suburb of Sunbury. He acknowledges now that he was perhaps a little underprepared for such an investment, and had to take second job and work 7 days a week in order to make the mortgage repayments.

His next purchase was a joint venture with a group of friends. Over a few beers one night, they made a plan to buy a property together and the four of them each saved up $10,000 for a deposit. They found a suitable place, but it wasn't to be. During the settlement period, they received notice that the vendor would be pulling out of the contract.

However, with the help of a lawyer, they didn't give up so easily, and after a mediation session walked out with $85,000 between them.

The money was used to start their portfolios, and they next bought a block of land in Frankston. With the plan to hold onto this lot for several years and use the proceeds for a deposit on each of their principal places of residence, one of them had a change of heart and wanted out of the joint venture.The rest of them held firm, and were rewarded when they sold the property for more than double of what they had paid.

Not discouraged, the three remaining friends bought another property in nearby Red Hill, which they still own today.

This was the last of the joint ventures, with Phil next buying a property in North Adelaide. About $50,000 worth of renovations were done on this property, before he and his partner bought their principal place of residence in Coburg.

There are now six properties in Phil's portfolio.

In addition to discussing his own experiences, Phillip reveals his personal investment strategy, and offers lots of advice for potential investors, especially young people who might be considering a joint venture themselves, or just looking to kick-off their portfolio.

About your host, Sharon Taylor…

Sharon heads up the research division at Performance Property Advisory. She is responsible for the aggregation of economic and property data sources, as well as deep analysis of the data to provide quarterly reports on each capital city of Australia.

These reports identify between 5 and 8 submarkets in each capital city, and provide an opinion as to the short term performance of each submarket. This information is vital for clients to maximise the performance of existing assets, and also for selection of new blue-chip investment locations.

About Sharon's guest, Phillip Almeida

As one of the Director of Acquisitions at Performance Property Advisory, Phil has built a career around meeting the needs of successful medical professionals, farmers, graziers, and other professionals looking to access good quality advice on property investment as part of a long-term wealth creation strategy.

Phillip has been advising rural clients and rural accounting firms on quality off-farm investments since 2002. Having a rural background himself, Phillip understands the challenges and issues faced by the farming community, particularly the impact that market fluctuations and seasonal conditions can have on their income, and their capacity to invest.

Phillip is well placed to provide investors with advice and support in areas with growth potential in the residential and commercial property markets across VIC, NSW, QLD and SA.

'The Property Pineapple' is one of three segments you will hear on the Performance Property Data podcast. Released monthly, they present listeners with stories from real investors, discussing their wins, and admitting their losses.

'Property Insiders' are also released monthly and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise.

And 'Performance Insights' are released every Wednesday and Friday, giving you the lowdown on key property markets around Australia. These episodes are also available as short videos at our youtube channel.

For more information about how Performance Property Data can help you maximise your investment dollar, head to www.performancedata.com.au