The Armchair Guide to Property Investing

It’s our One Year Anniversary!!

Time does pass rather quickly and if you’ve found this podcast from Episode 30 or something, we strongly recommend you to rewind a few episodes and start with Episode One. It used to be 15 minutes, so it wouldn’t take long to catch up.

For today’s episode, we are bringing in Phillip Tarrant, Director and Managing Editor of Sterling Publishing and host for the Smart Property Investment Show Podcast. Apart from his daily job, Phillip is also on the board of the Property Investment Professional of Australia (PIPA) with Ben. But Bryce and Ben are not talking about his role in the media industry today. Instead, they are focusing on his journey as a property investor, what triggered him to invest in property, how did he purchase his first investment property and how confident he is with the Australian residential property market. The three of them will also be discussing the recent 60 Minutes investigation, which aired on Channel 9 last Sunday (21/02/2016).

If you like this podcast: “A property investor’s journey and confidence in the Australian residential property market – Chat with Phillip Tarrant”, 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/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

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FREE MASTERCLASS:
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- Make Money Simple Again

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What an interesting weekend! We always knew that the negative gearing debate was one that would never fade away but last weekend on the 13th of February 2016, Opposition Leader Bill Shorten used his speech at the NSW ALP conference to unveil some possible changes to negative gearing should Labor win the next election. Needless to say, this opens up a lot of conversations and debates surrounding what this policy would involve, what data the decision is based on, the policy’s framework and its implications.

In his speech, Bill Shorten mentioned that if Labor wins the next election, from July 2017 onward, negative gearing will only be available on newly constructed homes. This is to improve the efficiency and fairness of the Australian Taxation system and he reiterated that the changes will not affect existing negatively geared properties. Furthermore, this policy will also reduce the subsidy on CGT from 50% to 25%. You can read the rest of his speech here.

As property investment advisors, property analysts and professionals who are actively involved in the industry, Bryce and Ben are both aware that any negative gearing changes would have a ripple effect on the Australian property market as well as the general economy. Decisions that are made without considering all the impacts on the market would mean history repeating itself again such as the brief change in negative gearing in 1985. Hence, in this podcast, they analyse Labor’s proposed changes and explain the good and bad aspects of those changes.

It is important to note that Bryce and Ben’s comments and opinions in today’s podcast are their own and not the position of the Property Investment Professionals of Australia (PIPA).

If you like this podcast: “Will Labor’s proposed changes to Negative Gearing policy be good or bad for ordinary Australians?”, 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/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

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- Make Money Simple Again

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Only a couple more weeks left to our Summer Series. This week, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions!

• Credit card management question from Peter on Facebook: I want to adopt your setup but worry about using a credit card, considering we don’t have one currently. Thoughts?
• Professional Fees questions from Andrew: I am a first-time investor with limited funds for my purchase, and I am trying to get an idea whether or not I could...
  • a) even afford the above services? 
  • b) and if buyers with smaller budgets (sub $400k) can still maximise capital growth and rental yield using qualified property advisers and investment savvy buyers agents? 
• Question on line of credit from Christian: What are your thoughts on using equity and/or a line of credit to fund the negative cash flow on high-growth properties?
• Value add question from Heath: I have a recently renovated investment property in Brisbane that is a 3x2x2. We have built a 4th bedroom downstairs in the existing utility room and I am speaking to a few building certifiers and engineers etc. to assess whether or not I can get the 4th bedroom of my IP certified through the council. It’s looking like the certification will cost me around 5k and the difference between the median for 3 & 4 bedrooms in the area is around 60K. Would you think moving forward with this would be feasible? And if so when issued the certificate through the Brisbane council is this something that I would submit to the valuator when they would be doing the inspection?
• Repayment question from Joe: I found your book very easy to follow and understand though I do admit I learn a lot of the terms and phrases from the podcasts. I do have a couple of questions though.
  • Is it possible to have Interest only repayments over the course of the entire loan? 
  • Do you factor in the fees of your service as this would have a noticeable impact on the overall purchasing power of the buyer?

If you like this Q&A episode, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our

LISTEN TO THE FIRST 20 EPISODES HERE >>

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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

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- The Armchair Guide to Property Investing
- Make Money Simple Again

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The Governor and Reserve Bank have decided to keep interest on hold at 2% in the cash rate announcement this month. But will there be another out-of-cycle rate rise by the lenders? We’ve seen it last year when interest rates on residential loans were raised but what are the chances that it’ll happen again this year? Bryce and Ben talks about this in today’s episode. They will also be talking about the recent hype in media commentaries regarding the Australian Property Market.

Not to forget our promise for the Summer Series, these are the Q&As for today’s podcast:

• Loan question from Ben on Facebook: Read a book that outlined the kitty loan system. I was wondering what Ben and Bryce’s opinion on using this system was and whether it truly works or not. The book indicated to let the amount accrue over a period of time, but I’m not sure what bank and what type of loan allows you to do this.
• Expat investment question from Glenn: I am an Aussie ex-pat living in Dubai and looking to invest back home. I have been told to look at property investments that provide a loss for tax purposes so I can benefit when I return. Any information on how I can invest or what would benefit me from overseas would be interesting to hear about. Is the tax benefits the most important issue for me or should I just be looking for growth that will then outweigh any taxes I have to pay? I hope that makes sense. I have enjoyed your podcasts thus far and have now purchased your book.

RBA has kept the interest rates on hold this month but what are the chances for an out-of-cycle rate rise from the lenders?

If you like this podcast: “Possibility of an out-of-cycle rate rise and media commentaries on the Property Market”, 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/.


LISTEN TO TH

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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Our loyal listeners would have noticed by now that every single time a tax-related question pops up on the podcast, Bryce and Ben will try and answer it in a general sense (sometimes, probably too general). So, this time on The Property Couch, we have invited Frank Azzopardi from YK Partners to help give a clearer definition when it comes to questions related to tax and property.

Sit tight and be prepared because this episode can be very technical. Some of the issues that they’ve touched on in this episode are:

• Investing under trust ie: family trust – what it involves and what are the tax implications?
• Investing under a company structure – why people do it and areas to be cautious about?
• Partnership in property investing – what to expect, the difference between partnership with family and friends and types of partnership.
• Capital gain tax (Capital Gains Tax) and the 6-year rule.
• Are buyer's agent fees and stamp duty tax deductible?

Now, please remember that this podcast is general information only and is intended to assist you in understanding the different investment structures and some tax regulations related to Australian property. It is by no means a full representation of all aspects of the property tax and listeners/viewers should not rely on the information provided in this podcast when making their investment decisions. The Property Couch and our guests strongly recommend that listeners/viewers first seek qualified and professional advice to assess their individual and unique circumstances before making any decisions. For more disclaimers, please click here.

If you like this podcast: “Different investment structures (family trust, company, partnership), Capital Gains Tax and other tax-related topics”, 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/.


LISTEN TO THE FI

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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Peter Koulizos is back on The Property Couch podcast! The last time Peter joined our podcast, Bryce and Ben couldn’t stop discussing his thesis on Gentrification. This time, with his thesis almost at its completion stage we are more than keen to invite him over and discuss in detail the findings his thesis has uncovered.

On top of that, as a bonus, they will also be revealing their 2016 Property Outlook for the Australian Market. With the dropping auction clearance rates in Sydney and Melbourne markets, the increasingly high-density apartments in the Gold Coast area and the up-and-coming investment spots in Brisbane, this segment is a must-hear for all those who are serious about property investing. Some of the issues that they’ve touched on in this episode are:

• Which part of the cycle is each state currently in
• Things to look for when selecting an investment-grade suburb and property
• Type of properties to stay away from
• Development or changes affecting the economic activities in each state

Resources mentioned in this podcast:

• Peter’s Book: Top Australian Suburbs: A Guide for Investors and Homebuyers – Click here
• Peter’s Book: Property vs Shares: Discover your knockout investment strategy – Click here
• The Property Couch’s Book: The Armchair Guide to Property Investing – Click here
• If you are interested in joining Peter’s course, please email him at: [email protected]

If you like this podcast: “2016 Property Outlook and Findings on Gentrification”, 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/.

LISTEN TO THE FIRST 20 EPISODES HERE >>

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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We are back on with the Questions and Answer time for our Summer Series. This week, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions!

• Question from Alex: Knowing what you know now, what 5 things would you both have done differently?
• Buying sight-unseen questions from Lewis : 

1. Best advice for buying property without being able to walk through the property.
2. The best area to buy in Australia if you don’t know where in Oz you want to move back too!

• Question on tax implications on property from Chris: My partner and I just completed the construction of a home that was intended to be an investment property for 5-7 years after which time we were going to move in and make our family home. Situations have changed and we will be able to completely pay off and move into the new house within the next 12 months. Will there be any issues arising from all the tax deductions since we will be changing the purpose of the house?
• Investment grade for regional properties question from Lou: I’m currently saving for my first investment property and I have a couple of questions. I am considering regional Victoria (as I grew up there) and was wondering how ‘Investment Grade‘ properties are, particularly along the Vic/NSW border. Should I be looking here or become more ‘borderless’?

Joint venture question from Christopher:  Are joint ventures worth it and will this be a silly strategy for such an old house as depreciation will have been used up already and these older houses can be Pandora’s box once opened up and end up costing way over budget?

Free resources mentioned in this podcast:

• Episode 29: Common mistakes when investing in property

If you like this Q&A episode, 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/

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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Welcome to The Property Couch’s first episode in 2016! Joining us on the podcast today is Paul Baker from Independent Property Inspectors Melbourne.

As mentioned in Episode 22 and Bryce’s video on “When to conduct a building and pest inspection“, pre-purchase building inspections are non-negotiable for us. We cannot emphasize enough the consequences of buying a property only to discover later on that a lot more money has to be put in to ensure its livability. Not only will this impact the investor’s cash flow but it will also affect any property plans that have been put in place. Leveraging Paul’s background as a building inspector and also a builder, Bryce and Ben will chat about:

• Why is a pre-purchase building inspection so important?
• What are the obvious tell-tale signs of water damage, footing and stumping issues?
• How much should a buyer expect to spend on an inspection?
• When should an inspection be conducted?
• Best way to decipher a building report?
• and a few horror stories from IPI’s Book of Horror!

If you like this podcast: “Why should you conduct a Pre-Purchase Building Inspection and what could go wrong? – Chat with Paul Baker”, 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/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
-

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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For the last episode of 2015 and as promised for our Summer Series, we will be going through quite a few questions! Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. 

It’s going to be a full-on one so sit tight!  :

• Building cash reserve question from Maria: Can you please discuss how to build cash reserve buffers into your property investment plan, and the options for funding unexpected large expenses like medical expenses and family needing financial assistance?
• Investing on the suburb next-door questions from Peter: Is investing in a lower priced residential suburb surrounded by higher-value median suburbs a good investment strategy?
• Property professionals question from Josie: As you mentioned in your podcast, are Financial Adviser and Accountants the right people to get property advice from? 
• Loan structure question from Mark: My partner and I have recently purchased our first home and are considering putting our loan repayments to interest only and banking the money we would be paying off the principal in an offset account. We want to get an investment property and start building a portfolio and see this as a way of saving money quickly. What do you guys think?
• Becoming a Buyers Agent question from Daniel: What does one need to do, to become a buyers agent?
• Renovating for profit question from Sylwia: I am at the stage of educating myself and would love to hear from you Gents about renovating for profit as an investment strategy.

Free resources mentioned in this podcast:

• Episode 17: Who’s your personal banker?
• Episode 23: Exit Strategy in Property Investment
• Episode 33: Q&A – Investing with Equity, First Home Buyers Tips, Buy-Reconstruct-Sell Strategy and Leasing to Relatives

If you like this Q&A episode, don’t forget to rate us on our iTunes channel (The Property Couch Podcast) and our

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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Merry Christmas! It’s the first Christmas on The Property Couch and Bryce and Ben are definitely in a festive mood. In this podcast, they will be sharing some of their stories on mortgage brokers and what role they play in building a property portfolio.

We’ve spoken about this before in Episode 17 where we talked about the concept of a Personal Banker. In this episode, we’ll list out the criteria to look for when you are thinking about including a mortgage broker in your property team. Yes, it does need to be an investment savvy broker but what else? Bryce and Ben will also be discussing why loan structure and a sound financial strategy are crucial.

We will also be answering this question from Andrew: Hi guys, loving the podcast. You’ve talked in past episodes about what to look out for when choosing to engage a property manager for your investment property. Could you discuss how you would go about selecting a mortgage broker? I have utilised the services of mortgage brokers in the past and have found that many of them are purely transactional and only use the Big 4 lenders.

If you like this episode, 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/.


LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
-

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube