The Armchair Guide to Property Investing

Our next guest on The Property Couch is Steve Waters from Right Property Group! Steve comes from a Buyers Agent background and his company is part of the Property Investment Professionals of Australia (PIPA) association.

With a combined experience of more than 30 years in the property industry, this trio will be chatting about:

• What triggered Steve to start his investment journey and the biggest mistake he had ever made in his own portfolio
• The philosophies and strategies in property investment – Capital growth vs cash flow
• Their thoughts on new developments – the good, the bad and the ugly
• What do they look for in asset selection
• Where do they see the most pain in a market correction
• Why do you need professional advice when investing in property and where to look for them

If you like this podcast: “Investment Strategy, New Developments and Professional Advice – Chat with Steve Waters”, 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/.

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- Make Money Simple Again

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- Make Money Simple Again

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This week on The Property Couch, Bryce and Ben discuss the moving parts of a cash flow management strategy. Compared to Episode 3 (Four Pillars of Mastery – Cash Flow Management) where we talked about the flow of money, this podcast is mainly about the Money and Wealth Accumulation Model. It includes the variables and assumptions to consider when modelling sophisticated wealth outcomes. As this topic can be fairly detailed, we strongly recommend our listeners have the diagram open while listening to the podcast.

We will also be answering this question from Bradden: You often refer to paying down debt during your talks as a means of creating passive income. Is there a strategy for paying down debt on your rental properties? Is it just as simple as paying P&I? Do you only start paying down debt once you have finished your accumulation phase? Does this only happen when you start to sell one of your properties? I’m interested in hearing your thoughts on paying down debt.

PS: Ben’s not a bad bloke for a Collingwood supporter.

This topic is also discussed in Part Three (Section 10) of our book: The Armchair Guide to Property Investing. For those who have the book, you can also refer to page 219 for additional reference. 

Free resources mentioned in this podcast:

• Money & Wealth Accumulation Model Fact Sheet – Download here
• Part Three (Section 10) of the Book – Order a copy here

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/.


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Introducing the first episode of our summer series! Let’s kick start with Q&A episodes. If you have a property-related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. 

In this episode, Bryce and Ben will be addressing some topics:

• Line of Credit (LOC) question from Brad: I have a finance-related question, specifically about the intricacies of Lines Of Credit. I understand that you would use your LOC for investing costs, such as a deposit on a new property, or the levies or rates for a property. My uncertainty is whether I am then able to claim the interest charged on the LOC for these expenses. To make things more complicated, what if you were to pay your investment loans off using this LOC? Surely you couldn’t then claim the interest on the LOC as well as the investment mortgage? That would be double-dipping, right? Please do a segment on your show that explains more about how to use the LOC tax effectively and legally.
• NRAS questions from Cesar: What is your view on the NRAS program? 
• Property Portfolio question from Sandy: My suggestion is to discuss the strategy to fix a “broken” portfolio ie a number of underperforming properties that were spruiked.
• Due Diligence and Research from Daniel: What resources do you need and what do you have to look for in conducting due diligence? I wouldn’t know where to begin. Could you please elaborate on how one can achieve this?
• Property Insurance from Daniel: Advice on what’s the best type of insurance to have on your investment property?

Free resources mentioned in this podcast:

• Episode 23: Exit Strategy in Property Investment
• Episode 38: Property Price Research in Australia
• Episode 06: Four Pillars of Mastery – Defence
• Bryce and Ben’s Book – Order them here

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

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As mentioned before, getting the right strategy and perfecting the art of asset selection is crucial to any property investor. But what happens once the contract is signed? This time on The Property Couch, Bryce Holdaway and Ben Kingsley talks about the post-purchase process when buying an investment property.

Bryce started off the podcast with an analogy. Imagine you are on board a plane and it’s about to depart. When a plane takes off, from the moment it leaves the tarmac to the point it levels out at 30,000 feet, that’s when it uses most of its fuel. That’s the same with property investors. They use most of their mental fuel when they are going to buy the property but once the deal is done, most often forget that they still have the rest of the journey to complete.

Looking to donate to Ben’s Movember? – Click here

Free resources mentioned in this podcast:

• Property manager checklist – Download here

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 >>

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👉 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
-

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 >>

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

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In their daily role as a Buyer's Agent and Property Investment Advisor, Bryce and Ben often conduct comparable analyses on properties that they are going to buy. This is a crucial part of their due diligence because it demonstrates the suitability of the property for the client’s property plan and also sets a starting point for their negotiation process. So in this episode of The Property Couch, they will be sharing the process that they go through when conducting property price research.

Our hosts will also be sharing their “text-book” floor plan, understanding under quoting in a sales campaign and ways to decipher a more reliable price range using the auction clearance rates as a guideline. Listen to the podcast to find out more!

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 >>

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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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LISTEN TO THE FIRST 20 EPISODES HERE >>

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- Make Money Simple Again

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Scarcity. It is one of the three filters in our asset selection criteria and you’ve probably heard Bryce and Ben talking about it numerous times in previous podcasts. In this current market condition, it is more important than ever to ensure you nailed the scarcity factor right. But how do you determine if a property is scarce or not? In this episode, our hosts will be breaking the scarcity factor into two parts and will be sharing their very own.

 “Scarcity Scale”. As mentioned previously, location usually does the heavy lifting on the performance of an asset so, Bryce and Ben will be starting with area/location (right side of the scale) and then move on to the property type.

PS: If you would like to check out Ben’s Movember Pledge, click here.

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 >>

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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

FIND US HERE:
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-

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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:
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- Make Money Simple Again

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It’s confirmed! Ben Kingsley is the Property Investment Advisor of the Year 2015 Award! This is the second year we’ve championed the PIA Category of the Reader’s Choice Award organised by Your Investment Property Magazine. But this is not a reflection of an individual’s work. Thanks to all of our team members at Empower Wealth and all of you who voted for us. We wouldn’t have done it without our customers and loyal listeners' ongoing support. 

To celebrate this win, Bryce will be asking Ben to share some of his personal journey on:

• His daily role as a Property Investment Advisor and his thought process when assisting clients in building a wealthier tomorrow
• Some of the lessons he has learned along the way as an investor and an advisor
• How to look for an independent professional and more

 Resources mentioned in this podcast:

• The Armchair Guide to Property Investing (Discount code: TPC) – Pre-order here
• Join Ben’s Movember cause – Join/Donate here

If you like this episode (Journey of the Property Investment Advisor of the Year) , 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 >>

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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

FIND US 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

FIND US HERE:
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- Youtube

In this podcast episode, Bryce and Ben will be explaining the recently released 2015 PIPA Annual Investor Sentiment Survey and help our listeners in understanding what the report means to property investors and the industry itself. Some of the key insights of the report include the impact of APRA’s regulation on residential real estate, overall sentiment on how the market is performing and where it is heading, where most investors get their property investment advice from, which state capital provides the best potential for investment and more.

Bryce and Ben will also be spending the first half of the podcast discussing this week’s change in lender’s interest rates on residential properties and the logic behind this decision. Listen to the podcast now to learn more.

Free resources mentioned in this podcast:

• 2015 PIPA Annual Investor Sentiment Survey – Download the report here.
• Sydney Property Buyer Expo – More info here.
• The Armchair Guide to Property Investing (Discount code: TPC) – Pre-order here.

If you like this episode (What does the PIPA Annual Investor Sentiment Survey Means), 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 >>

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

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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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It’s another Q&A episode! We are loving these Q&A episodes. If you have a property-related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics:

• Using a Buyers Agent question from Tim: For a person that is looking to purchase an investment property where they’ve already educated themselves on property investment from Podcasts, read property investment books and attended seminars and they’ve done all their due diligence from getting the right loan structure, finding the right location with all the growth drivers, will there be any benefits to engage a Buyer’s Agent?
• Fixed loan question from Jonathan: When the interest rate reaches a point eg, 6%-7? Do you refinance your home and do 50% fixed and 50% variable? What is the rule of thumb on this topic?
• Investing in commercial property question from Hany: What are the discussions of the pros and cons of investing in commercial property?
• Estimated Growth and Returns for Property Plans from Josh: My question is about Bryce’s publications and the extent yield and growth percentages are applied. What is considered average, exceptional and using a Buyers Agent, what can be expected?

Free resources mentioned in this podcast:

• Episode 18: What is a Buyer's Agent and Do You Need One?
• CPA Public Practice Presentation – Watch here.
• Ben’s video demonstration on growth and yield – Watch here.
• Bryce and Ben’s Book – Pre-order here.

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

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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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- Instagram
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- Youtube

It’s Q&A time! In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics:

• Finance-related question from Kat: Would you please explain more about using equity? E.g. I heard from a broker that one needs to refinance the loan on the existing property – does this mean the old property and the new one to be purchased are tied together? To assess the equity available, does one first need to pay for a valuation report on the existing property?
• Leverage question from Naomi: Selling my investment property to pay off the mortgage on my family home leaves me debt free and with the ability to then use all the money I currently pay on the family home mortgage for investment purposes with tax-deductible debt. Is this a good strategy? Is there a better alternative you would recommend? 
• Investing strategy questions from Andy: Is it worth buying an older property close to the coast however a little further out from the city to sit on with the view to demolish with a larger land size or to invest in a more expensive smaller property which could be a little closer to the city?
• Buying a Home question from Tom: I’d love to hear a podcast on your advice to first home buyers - for example, I’ve just started work as a property valuer in Melbourne for the last 5 months, and my girlfriend of a few years finishes studies later this year and we have the hopes of buying our first home together in 18 months or so.
• Investing question from Andrew: What your thoughts are on buying an investment property that is potentially going to be tenanted by a relative? 

Other episodes mentioned in this podcast:

• Episode 20: Science of Asset Selection – The Buyer’s Decision Quadrant
• Episode 23: Exit Strategy in Property Investment
• Bryce and Ben’s Book – Pre-order here

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

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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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- Youtube