The Armchair Guide to Property Investing

Are we in a changing market? The Australian property market has had a great run but is it time to think about what happens when it cools down or even corrects itself? In Episode 32 of The Property Couch podcast, Bryce Holdaway and Ben Kingsley talks about property investing in a changing market. They started the podcast by discussing the signs and indicators of a changing market. As Ben mentioned in the podcast the leading indicators of a changing market is usually a month or six weeks behind. You’ll see a rush of supply come on and that exacerbates the small correction that will occur on top of the government interventions that are implemented via RBA and APRA.

Our hosts will also be discussing the type of properties that would be affected, the changes in interest rates and more. Tune in to the podcast to find out more!

Free resources mentioned in this podcast:

• RBA October 2015 Cash Rate – Commentary by Ben Kingsley – Watch here
• Seven mistakes property investor make – Watch here
• Beginner’s Guide to Property Investment – Learn more

If you like this podcast: “Investing in a Changing Market in Australia”, 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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In this second part of Episode 31 with Carolyn Wright from Your Property Manager, we look at one of our listeners’ questions on managing rental through the property manager, what to expect and how to deal with queries for maintenance.

As mentioned in Part 1, getting a good or bad property manager can make a big impact on your wealth position but what are the characteristics of a good property manager? Our hosts and Carolyn list out some of the key roles that a property manager should be doing and what kind of expectations investors should have when finding one. The first tip on this part is setting up the right rental rates. Property managers are in the market all the time, meeting both investors and tenants and having access to tools that provide those data. A good property manager will know what rate to list your property at that would make sure you get a fair market value and minimise your vacancy rate. Listen to this podcast to find out the rest of the checklist.

Free resources mentioned in this podcast:

• Reasons why you should hire a Property Manager – Download here
• Fear/Procrastination vs. Greed – The Balancing Act

If you like this podcast: “Checklist to Getting A Great Property Manager – Chat with Carolyn Wright”, 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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This week on the Property Couch, we’ve invited Carolyn Wright from Your Property Manager to talk about her own personal experience as a property investor. Bryce and Ben will also be sharing the lessons that most property investors learn along the way, particularly during the post-purchase process. Getting a property portfolio plan and buying an investment property is only half of the whole journey. At the end of the day, if tenants aren’t moving in, then you could potentially be facing a fair amount of out-of-pocket expenses. That is why having a property manager and understanding the process that they go through is important. Unfortunately, a lot of investors feel otherwise. Start listening to this podcast to find out what our hosts and Carolyn have gone through both as property investors themselves and in their professional roles.

 Free Stuff Mentioned: 

•  Episode 031 (Part 2) | – Checklist to Getting A Great Property Manager

If you like this podcast: “Story of an Investor and Investing Lessons Learnt along the Way – Chat with Carolyn Wright”, 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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👉 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

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Following Part 1 of Episode 30 (Five Golden Rules of Property Investment), our hosts continue on to talk about a topic that Peter Koulizos is currently researching Suburb Gentrification. Previously in episode 26, Bryce and Ben had briefly touched on this topic and in this episode, they elaborate on it further.

Gentrification in general means wealthier people moving into an area and in Australia, the gentrification process varies across different states. Most people are able to see once the process nears the completion stage or sometimes, when it has gentrified but Bryce, Ben and Peter discuss the signs that you can look for which indicate the start of this process.

Tune in to find out more.

Resources mentioned in this podcast:

• Top Australian Suburbs: A Guide for Investors and Homebuyers – Click here
• Property vs Shares: Discover your knockout investment strategy – Click here
• Property Options for Pensioners & Investors (POPI Australia) – Click here

If you like this podcast: “What is Gentrification and Signs to look out for – Chat with Peter Koulizos”, don’t forget to rate us at 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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👉 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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The Property Couch has reached Episode 30! To celebrate this, we’ve got The Property Professor, Peter Koulizos joining us to talk about the Five Golden Rules of Property Investment.

Peter comes with a high pedigree in property investment, holding a teaching degree, Graduate Diploma in Property and Masters of Business (Property) and specialises in property valuation and property economics. Combining Peter’s background with Bryce’s role as a Buyers Agent and Ben’s knowledge in Mortgage Broking and you have a great team of property investment insiders who shares the same passion when it comes to wealth education.

The first golden rule from this trio is never compromise on location. We’ve emphasized this a lot of times and have also previously mentioned it on the Buyers Decision Quadrant episode. But time and time again, we see investors making the same old mistake and their argument usually evolves around the land size, affordability and depreciation benefits.

Find out the rest of the Golden Rules of Property Investment in the podcast.

 Free Stuff Mentioned: 

• Episode 030 (Part 2) | What are Gentrification and Signs to look out for – Chat with Peter Koulizos

If you like this podcast: “Five Golden Rules of Property Investment – Chat with Peter Koulizos”, 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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👉 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 w

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’ve all made mistakes in life. Some are relatively harmless but when it comes to high-value transactions such as investing in property, the stakes are higher. So this time on The Property Couch podcast, Bryce Holdaway and Ben Kingsley list out a few common mistakes that they’ve seen people make in their investment journey.

The first mistake is underestimating the importance of having a good lending strategy and structure. One investment property will not be sufficient to provide you with a self-funded retirement so in time, you will need to buy another one and if you messed up your lending structure from the start, you might not be able to achieve your full potential in your portfolio. One of the common regrets that Bryce and Ben have heard before is the investor’s drive to look for lenders that offer them the least interest payable has clouded their decision for better borrowing power and eventually, a better asset.

Listen to this podcast to find out the other four mistakes that a property investor often makes.

Free Resources mentioned in this podcast:

• Ben’s short presentation: Fear/Procrastination vs. Greed – The Balancing Act
• Money Magazine article: Earn $55k a year in rental income

If you like this podcast: “Common Mistakes When Investing in Property”, 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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LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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:
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- Make Money Simple Again

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With dwelling approvals remaining close to record high levels and the latest housing credit data suggesting a slowing investment credit growth, will this lead to an oversupply in the Australian property market? On top of that, how is the lending sector affected by the recent changes put in place by Australian Prudential Regulation Authority (APRA)? All these factors are a cause for concern for most property investors especially when there is a lack of awareness in this industry.

So in this episode, Bryce Holdaway and Ben Kingsley will be discussing if our property market is oversupplied and which areas will be affected by this market movement. They will also be discussing the recent changes made by APRA, how will it impact property investors and what can investors do to ensure their property plan remains on track.

Other episodes mentioned in this podcast:

• Four Pillars of Mastery series
• Ep. 016 – 5 Essential Steps to Property Investing in Australia
• Ep. 017 – Who’s your Personal Banker?

If you like this podcast: “Is the Property Market Oversupplied & What’s Happening in the Lending Sector?”, 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 >>

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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Not every state in Australia has an auction culture but we are seeing an increasing trend in it. In their everyday role as Buyers' Agent and Property Investment Advisors, Bryce Holdaway and Ben Kingsley have seen many buyers who are either too afraid of the auction campaign or unsure of what to do in the process. Well, as Bryce mentioned in this podcast, an auction is a necessary evil. It favours the seller and the agent. But ultimately, as a buyer, you shouldn’t be afraid of it. Do your due diligence and embrace it with confidence but never turn down an investment-grade property simply because it’s going to auction.

So to help you guys out there who are currently searching for properties or are going for an auction this weekend, here are some tips for buying at auction from the property experts that can help you prepare for what is to come.

Free Resources mentioned in this podcast:

• Value Series: Auction Tips (Part 1)
• Value Series: Auction Tips (Part 2)
• Value Series: Auction Tips (Part 3)
• Value Series: Auction Tips (Part 4)

If you like this podcast: “Tips for Buying at Auction in Australia”, 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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LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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 >>

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- Make Money Simple Again

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We have been receiving a lot of great suggestions and questions from our listeners! If you have submitted a question on property investing in Australia and have yet to hear a response from us, don’t worry. We will get to you as soon as we can. In this week’s podcast, Bryce Holdaway and Ben Kingsley will be addressing some topics:

• Property in Trust from Christ: Can you address investing in trusts? In particular, purchasing property through trust and transferring currently owned investment properties into a family trust
• Tax benefits in renovating established properties from Christian: One of the topics that got me interested was Tax Depreciation. I already have a depreciation schedule, but the one thing that plays on my mind – is whether it is worth renovating an established property? Is there a rule of thumb that I should use to determine whether my investment property needs to undergo renovation? Is there a golden rule to this on when is the best time?
• Gentrification questions from Andy: What are gentrification and its signs? Does this take a long time to happen? What are the positives and negatives of buying in a suburb that hasn’t had it or is in the process of having a face lift/demographic change? 
• Investing in Regional Centre from Lewis: Can you offer any advice regarding property investment in a regional centre? Often there are a lot of stones unturned in these markets. I am based 30km from the coast in Central Queensland and medium/high-density development is a relatively new concept to most buyers in this area. However, recently completed projects have shown a real interest in this type of offering versus detached dwellings and I am wondering how to interpret this.

For access to The Property Couch’s media kit, please email us here: [email protected].

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:
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- Make Money Simple Again

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It's Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

• High Loan to Value Ratio (LVR) question from Andy: As a relatively new investor, would you recommend gearing as many of my initial purchases at 90-95% LVR as possible to help get ahead early on and do you foresee a lot of the banks starting to restrict this type of lending going forward with the interest rates currently so low. If you do recommend it, how do we best manage the risk for the first few years until the properties grow and loans come down to the 80% mark? 
• Capital Gain Tax (CGT) question from Paul: It would be great if an episode could cover “capital gain tax“. I have recently had to sell an investment property due to lifestyle decisions but didn’t incur any charges as it was my first place. In future, if I have to sell to upgrade to a bigger investment It would be great to know the CGT laws in each state.
• Cross Collateralization from Andrew: In recent Episode 20 you touched on cross collateralisation and while it is not the best option, I  was wondering if you could expand on where you might need to use it, why you would use it, what extent would you use it and how would you un-cross collateralise your portfolio?
• SMSF and Property from Billy: I’m interested in using a Self Managed Super Fund to invest my super in property. I’d like to hear your opinions on this subject. Would you recommend SMSF Property or not?

For access to The Property Couch’s media kit, please email us here: [email protected].

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/.


LI

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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