Property and Investing

EP 024: 
Interest rates have risen so much since then that properties that were once positively geared when purchased are now falling (or have fallen) into negatively geared positions.

Nowadays, investors are defending their cash flow by saving on groceries and other essentials.

So, in our current environment, is it still possible to find cash flow positive properties?

In this week’s podcast episode, Grant and I are answering that and all of your Q&A submissions!

PS: Post a comment or send us an email with the questions you may have about property investing, and I’ll make sure that we get to them in a future episode.

Episode Highlights:
00:00 Welcome to Property and Investing
04:03 Is it possible to find positive cash flow properties nowadays?
07:37 What to consider when finding positive cash flow properties
13:16 Finding ways to transform negative cash flow
18:30 How do you approach inspecting and buying properties in other states?
22:40 The role of buyer’s agents in property investing
25:47 Different aspects of property inspection
29:03 Buying a property in another state

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 
○ Property and Investing website: https://propertyandinvesting.com/

Subscribe: 
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 023: In this week’s podcast episode, we’ll be covering everything you need to know when you’re considering to buy a home. 

Together with Aaron Whybrow and Karina Fox of Diagnostics and Finance, we’ll be discussing:

- The limitations of rent-vesting
- Considerations before buying a PPR
- As well as equity, borrowing capacity and more!

PS: Share with us your experiences! Have you bought the big PPR or are you still rent-vesting? I’d love to hear some real world experiences around this topic!

Episode Highlights:

00:00 Welcome to Property and Investing

03:36 When is the right time to buy your PPR?

10:22 Other considerations to get you buying a PPR

15:01 Karina’s rental experience and professional house sitting

18:42 Limitations of rentvesting

19:48 Is being a rentvestor still viable in Australia?

24:30 The borrowing power of a rentvestor and the owner occupier advantage

26:42 What's too much house?

34:32 Using equity or selling an investment property to purchase a PPR 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 

○ Property and Investing website: https://propertyandinvesting.com/ 

○ If you want to find out more about our guests, Aaron Whybrow and Karina Fox head over to: https://propertyandinvesting.com/partners/ 

About the Guest: 

Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.

Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.

He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.

Karina Fox has extensive experience in Finance, Mortgage Broking and HR. She prides herself in taking the time to understand her clients dreams and aspirations, focuses on educating her clients to assist them in making the best financial decisions, which ultimately yield the results that align with their goals. With a passion for first time property buyers, first time investors, those looking for SMSF and women on their finance journey, Karina understands the power of assisting her clients in making educated decisions.

As an Aerial Yoga instructor, Karina’s approach to finance is “flexibility”. She acknowledges that “not everyone’s story fits into a box”, and it is this attitude that make her stand out.

When she is not practicing Aerial Yoga, she values time spent with her family and partner, enjoying nature and volunteering for RizeUp – an organisation that helps families impacted by domestic violence.

To connect with Aaron Whybrow and Karina Fox, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/ 

Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 022:

Recently, I’ve been thinking a lot about inflation.

Whether I go grocery shopping or to a restaurant, it’s hard not to notice the incredible difference in the prices compared to just a couple of years ago...

Luckily for you, in this week’s podcast episode, Grant and I will be talking more about this and breaking down everything that has to do with inflation!

P.S. Share your experiences with inflation by posting a comment, and tell us how you’re considering using it to your advantage!

Episode Highlights:
00:00 Welcome to Property and Investing
02:32 Average inflation rate in Australia
05:05 The rising cost of goods and services
13:21 Will the inflation rate continue?
23:34 How will inflation affect our investment decisions?
26:55 Investing in real estate amidst inflation 
29:20 Buying properties and debt

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 
○ Property and Investing website: https://propertyandinvesting.com/
○ Listen to our Business and Investing podcast here! https://businessandinvesting.com/podcast/ 
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542 

Subscribe: 
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 021: In this current market climate, with interest rates increasing every month…

The banks are becoming more and more scrutinising in their lending criteria.

How do we play the bank’s game,

While ensuring we can continue borrowing?

Well…

In this week’s podcast episode, Grant and I will be breaking down exactly this!

We’ll be inviting our mortgage broker Aaron back for another chat, this time to discuss everything you need to know about borrowing capacity, so you can play the forever game in property investing!

PS: Let me know your experiences with lending during this market environment!

Episode Highlights:

00:00 Welcome to Property and Investing

02:46 Problems with borrowing money 

03:29 Borrowing for building a property portfolio

07:29 Extracting equity and cross-collateralised loans

14:10 When equity becomes a trap in itself 

15:06 Understanding the variability of your income 

16:02 Different ways you can get stuck with borrowing 

18:02 Unpacking the trap of wrong lenders at the wrong time

24:07 Have banks become more scrutinous over time? 

32:00 Increasing income and deposits increases borrowing power 

35:15 Borrowing capacity equals purchase price 

37:27 Negatively geared properties vs. positively geared properties  

39:16 Who wins the game of property investing? 

45:30 Time heals all borrowing capacity issues

46:15 Is speed a factor for borrowing capacity? 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 

○ Property and Investing website: https://propertyandinvesting.com/ 

○ If you want to find out more about our guest, Aaron Whybrow head over to: https://propertyandinvesting.com/partners/ 

About the Guest: 

Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.

Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.

He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.

To connect with Aaron and his team of mortgage professionals, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/

Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 020:

This recent April CoreLogic report was an incredibly interesting insight into how the economy is reacting to inflation and the effect of rate rises.

What does that mean for Australian property prices?

Well, luckily for you…

In this week’s podcast episode, Grant and I are breaking down exactly that for our April 2023 Property Round-Up!

Hit that play button now!

Episode Highlights:

00:00 Welcome to Property and Investing
02:59 What we think about the rate pause 
07:19 Will the rates’ trend change this year?
11:04 Looking into the CoreLogic report
13:40 Renting vs buying a property with the current rates
24:51 Australia’s rental crisis 
35:53 Charley’s possible solution to the housing crisis
37:54 Adjusting your expectations 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 
○ Property and Investing website: https://propertyandinvesting.com/

Subscribe: 
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 019: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions so that we can help you overcome the obstacles in your way!

We’ll be discussing:
- Our “why” that inspired action
- Volatile incomes while investing
- As well as the importance of education, side events, and more!

PS: Did we miss some of your questions? Make sure to leave a comment or send us an email! We’ll make sure that we get to them in a future episode!

Episode Highlights:
00:00 Welcome to Property and Investing
02:48 What did Grant put in place to get started with property investing?
05:55 The “why” that inspires action
15:30 Having a volatile income when investing
17:16 Education and side events 
22:17 What is the role of property mentors?
27:37 Final points to remember

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 
○ Property and Investing website: https://propertyandinvesting.com/
○ Listen to our other podcast here! https://businessandinvesting.com/podcast/ 
○ Rich Dad Poor Dad by Robert T. Kiyosaki: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194 
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542 
○ The Property Couch Podcast: https://thepropertycouch.com.au/ 

Subscribe: 
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 018: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions!

We’ll be discussing:

- Interest rate rises
- Engaging a buyer’s agent
- As well as equity, accumulation and more!

P.S. Send us any of the questions we’ve missed! I’ll make sure that we get to them in a future episode.

Episode Highlights:

00:00 Welcome to Property and Investing
02:44 Why don’t we share the locations of properties we buy? 
05:58 Engaging a buyer’s agent and key learnings I’ve gained
09:56 How are you handling rate raises? 
25:06 Pulling out equity from your portfolio as a deposit during accumulation phase
32:49 When can we justify pulling equity out of a property? 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 

○ Property and Investing website: https://propertyandinvesting.com/ 

Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 017: How am I going to increase or maintain my borrowing capacity to continue building my portfolio?

Well… luckily for you…

In this week’s podcast episode, Grant and I discuss the answers I received and more!

We’ll be breaking down the unexpected challenges involved in property investing, so that you don’t have to learn the hard way!

We’ll be discussing:

• Passive property investing
• - Buying property in different states
• As well as cash requirements, borrowing capacity and more!

P.S. Send us your questions!

Whether you’re wondering about what we do day to day as property investors, or something else… We’ll make sure we get to them in a future episode!

Episode Highlights:

00:00 Welcome to Property and Investing

03:27 Buying in a different state 

04:14 Property investing is not all “passive” 

11:11 Cash requirements 

13:03 Continuous income for borrowing capacity 

20:06 Keeping going after beatdowns

27:19 Property investing is fast but slow 

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!

Resources: 

○ Property and Investing website: https://propertyandinvesting.com/ 

○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI

Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 016: In this week’s podcast episode, Grant and I address the most unexpected challenges we have faced in property investing...

So that you can avoid these hurdles and reach your desired outcome through property!

We’ll be discussing:
- Our own biases
- Policies changes
- As well as Banks, Debt, and more!

PS: Post a comment or send us an email to share some of your most unexpected challenges and how you overcame them!! 🥳

Episode Highlights:
00:00 Welcome to Property and Investing
01:12 Facing unexpected challenges
05:28 Why Grant almost took an exit in property investing
13:13 Handling debt when investing in properties
19:50 Banks aren’t as organised as you think they are
28:51 Lending policy changes 
30:17 Dealing with our own biases

If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

Resources: 
○ Property and Investing website: https://propertyandinvesting.com/
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542

Subscribe: 
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.

EP 015: In this week’s podcast episode, Grant and I will be recording our March 2023 Property Round Up,
So that you can stay up to date with the property market to make more informed decisions!

Episode Highlights:

0:00 Introduction
03:33 CoreLogic report
05:04 Opinions on the unit market
10:45 Supply risk in the CBD areas
16:10 The land tax consideration
17:30 What if there was an oversupply of houses?
23:05 The imbalance of the housing supply and demand
24:40 Dwelling approvals fell by 27%
32:20 Legislation is the biggest property market risk
34:22 Building a new city
35:33 RBA raises rates by 0.25%
36:29 Economists have signaled that rates have gone too far
38:49 Mortgage differences in AU and USA
40:11 Impacts of rate rises for millennials vs. boomers  

Resources: 

○ Property and Investing website: https://propertyandinvesting.com/ 

○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI

Subscribe: 

○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g 

○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001 

Connect with Property and Investing: 

○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting 

○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom 

○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/

○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting

○ Send your enquiries or drop by to say hello: [email protected] 

DISCLAIMER:

All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.

Support the show: https://linktr.ee/propertyandinvesting

See omnystudio.com/listener for privacy information.