1. Persistence (through rejection)

2. team will help you move faster

3. Avoid comparing yourself to others (stay in your path)

1. It’s important for a buyer to understand the experience of their adviser

2. Helps with developing rapport, that you are upfront and transparent about what I’m doing

3. Buyers will have understanding that we Practice what we preach.

1. It may give people a little confidence to assess finances

2. It may also worry people as they might feel the economy is struggling if the RBA drops rates

3. Loan Servicing is still difficult, even if rates drop. Until they change servicing, it doesn’t matter what rates drop by.

1. Important to look at the numbers - price, cashflow, cash buffers, risk, interest rates, etc

2. Are investors considering their Gut feel on the property?

3. When you have ‘Skin in the Game’ - you tend to learn a lot more

1. The housing market in Sydney & Melbourne grew 60-70% between 2012-17 due to lots of Interest Only lending (were they irresponsible at first?)

2. Are Australians Debt hungry? Are we more Spenders than savers?

3. Is Property Investing going to create wealth for individuals? (there are people that lose in property)

1. Auction clearance rates in the 60s%

2. A feel that things will change after the election

3. Unemployment is still low (around 5%)

1. What do you need in your current circumstances? Is it your 1st, 2nd or 10th Property?

2. Cashflow will get you by week to week, and Capital Growth will expedite your Wealth Creation

3. What relationships are you building that will help with your strategy?

1. Agents - to get the deals

2. Other investors - motivating and learning from each other

3. Team of Experts - be front of mind, and build rapport - potential Joint Ventures for the future (support each others businesses)

Are the banks crying poor… as profits have reduced

1. Even if rates reduce, most people won’t be able to get loans at current serviceability requirements

2. APRA may decide to ease back on the serviceability - by 0.5% with each move

3. Was the hard-lining by APRA and the Royal Commission worthwhile… do we go back to easy lending?

1. Global yields decline

2. Reduced prices are capturing headlines (South Yarra sale $1m loss in 3 years)

3. Retail per square metre prices trending lower