The Property Couch

With today’s property and economic conditions in mind, we’re back with a massive Q&A Day that’s focused on how to maximise your savings. Tune in to hear: 

Are property managers really worth it?! 

We’re giving you the unfiltered pros and cons of managing tenants, insurance, taxes and more (Basically we’re unpacking exactly what goes on behind the scenes!)

If you renovate your Principal Place of Residence (PPOR) can it be considered tax-deductible when you turn it into an investment property?!  

Why is it important to separate household and business incomes? Plus, the newest features coming out on Moorr and managing finances at the start of a new relationship. And...

How accurate is the narrative around property owners today?!

Another exciting episode that picked our brains (and the brains of our friends at BMT Tax Experts 😉)  tune in now to discover our answers!

Free Stuff Mentioned 

• Q2) Read the report from BMT, Tax Depreciation Experts here >>  
• Q3) Want to add a secondary user to your Moorr account? Find out how to here >>  
• Q4) Discover the surprising results from PIPA’s Annual Property Investor Sentiment Survey 2023! 
• Calling all potential Summer Series guests for 2023/24 (Especially the ladies!). Share your story, get a free Start & Build course and positively impact our community. Reach out to us here >>  
• Have your question read on our next Q&A Day! Ask 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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Hey folks, amidst all the economic chatter making headlines in Australia, we're diving into our October RBA update. Got a ton to chat about, and of course, Ben's back to give us the lowdown. 

In this October catch-up, here's what we're chatting about: 

• Inflation: Just a quick phase or are we in it for the long haul? 
• All things property: Let's really get into what's going on with market supply. 
• And to wrap things up, Ben's got a lesson on behavioral economics that's had a big impact on inflation and investment. Seriously, how did we miss this one? 

Jump in with us to get the latest scoop and some cool insights to help navigate your financial vibes. 

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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1. Active Worker
2. Active Weekend Worker
3. Active Manager
4. Passive Investor
5. Pure Investor

• The Five Types of Property Investors: Who, Why, What It Means
• Which type requires the least amount of time?
• What are the tactical considerations of each type of investor?
• Is any type better than the other?
• What is a “Speculator”?
• How long is considered “Short”, “Medium” and “Long-term” Investing?
• What is the difference between “Investor Considerations” and “Tactical Considerations”?
• The Three Tax Positions You Can Use to Invest in Property?
• Why is Negative Gearing NOT a property investment strategy?

• Episode 275 | 7 Grades of Financial Wellbeing – Which one are you?
• Episode 021 | The Negative Gearing Debate in Australia
• Episode 096 | Building a Positively Geared Property Portfolio – Chat with Prue Muirhead, Property Investor of The Year (2010)
• Episode 142 | Q&A – Can you achieve a passive income in 3 years? Are you too old?
• Episode 295 | How To Reach The Summit: Achieving $2K Per Week in Passive Income – Q&A

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
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- Youtube

The sad truth is…some property investors NEVER reach financial freedom.

Why is this?!

Well, after 20+ years of observation, and helping thousands of property investors undergo life-changing mental and financial transformations, we can pinpoint it to just 5 reasons.

Can you guess them?! (We think they might surprise you…. 

Reason #1: T_M_
Reason #2: V_ _U_
Reason #3: F_T
Reason #4: A_T_O_ _T_
Reason #5: A_ _I_A_CE

We consider this framework to be just like an onion because we’re peeling back the dense behavioural and emotional layers behind property investors’ psyche to reveal the greatest threats to financial freedom.

Together, we’ll be explaining why the BEST time to start is when you’re busy, deep diving into why you should be wary of defending decreasing status, why you should NEVER mistake time for information and much more!

An episode packed with tons of new and old wisdom, tune in now and discover how you can immediately start taking action!

FREE STUFF MENTIONED...
What’s Making Property News: Discover the surprising results from PIPA’s Annual Property Investor Sentiment Survey 2023!

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

So, what makes for the RIGHT investment property… and how do you pick it? 

Well, let’s be honest… most of us can’t tick all the boxes on our property wish-list. We’d like to, sure, but often this isn’t an accurate depiction of reality. We can’t all afford the best house in the best street in a blue-chip, capital-growth-centric location every time we invest in property! So, chances are you’ve had, or will have, a conversation about what you might have to compromise in the buying process.  

… And this is where our “Buyer’s Decision Quadrant” comes in! 

This is a framework that can help you with the asset selection process and help you make an informed decision so you are NOT compromising where it matters most. Because there is something that is absolutely non-negotiable.  

So in today’s episode, we’re going to take a deep dive on the four areas — the “Quadrants”  — of our Buyer’s Decision Quadrant so you can sleep well knowing you’ve picked the right investment property with the money you have and the ambitions you seek! 

Listen now to learn how to pick the right investment property by using our Buyer’s Decision Quadrant to weigh up the “wins” and “loses” of what you compromise on! 

Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/

Here’s a bit of what we cover in today’s episode…

• What is “The Buyers Decision Quadrant” and how can you use it to purchase your next investment property?
• What is The One Thing you should NEVER compromise on?
• Should you buy “Smaller, Closer In” OR “Bigger, Further Out?”
• What can you compromise on if you have a smaller budget?
• How to recognise which investment property will work for your own circumstances…
• Is a property that “ticks all boxes” – AKA the perfect property – really a myth?
• Is “Uglier” always better?
• Land size considerations…
• What should you quickly overlook?

Free Resources

Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week (please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.)  

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

What will a post-covid-Australia world look like?  🌎

What trends can be predicted with Australia’s greatest migration in history currently ongoing? And yet, why is today’s skill shortage here to stay?  

Meanwhile, in property, why do we think we’re headed towards the roaring 30s and 40s?  

Folks this is just a SNIPPET of the questions we’re asking our favourite German-accented data expert. Can you guess who it is?? 😉 

Returning to The Property Couch after over 100 episodes is our favourite data demographic diver, Simon Kuestenmacher, Co-Founder of The Demographics Group!

(And if you didn’t know, The Demographics Group is led by Bernard Salt, one of Australia’s most sought-after social commentators! Simon not only works with this legend but is a rising star globally himself, renowned in the field of data management and insight.)  

In this episode, we’re covering TONS of ground from Australia’s superpower (and how it’s changed throughout COVID) to the ONE THING we – as Aussies – are just not willing to compromise on with property 😉. 

Plus, if you want to discover how intergenerational wealth and the commuter belt are highly interrelated or why office culture matters to property, tune into today’s insightful and motivational episode now!  

 
Free Stuff Mentioned 

Listen to the episodes mentioned today!  

• Simon Kuestenmacher:
  Ep # 353 - What’s Coming Next? The Future of Australian Property!
  Ep # 314 - The Millennial Movement: How It’s Shifting Property Demand 
• Bernard Salt: Ep # 334 - The BIG Shift In Australian Property! 
• Mark McCrindle: Ep # 185 - Will your Generation achieve “The Great Australian Dream”? — The Future of Australia’s Population, Retirement Expectations, And Other Things You Thought Were True  

(NOT FREE) Check out Simon’s new book which comes out in October! Transform the way you see and understand storytelling through Marvellous Maps!  

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

Not all properties are created equal. And there is a specific reason for this – what we like to call “The Psychology Behind The Price”. And this has EVERYTHING to do with human interest and human behaviour – something that can indeed be measured and, almost always, stays exactly the same… no matter who you are or where you live.

Here’s the deal… there are two “types” of properties – Investment Grade and Investment Stock. And most investors are often tricked into thinking – or falsely assume – that what they think is a good investment is going to turn out to be, well, a good investment. And this is NOT the case. In fact, it’s often the complete opposite.

This may come as a surprise to you… but the greatest investments – what we call “investment grade” properties – actually target the owner-occupier (that is, the home owner)… NOT the investor!

And in today’s episode we’re going to tell you exactly why this is and give you the science behind what makes for an Investment Grade property and how to recognise one using the golden rule that underpins the value of property – Supply and Demand! 

Listen now to learn how to get a return on your investment property and keep it… simply by identifying high demand in the property market.

Remember… 

Investment Grade = Great. 
Investment Stock = No good.

Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/

Here’s a bit of what we cover in today’s episode…

• What types of properties almost always outperform others?
• What do we mean by “Supply and Demand” and how can property investors use this to get a return on investment?
• Investment Grade vs Investment Stock
• What is “Owner-Occupier Appeal”?
• How To Identify REAL High Demand in The Property Market!
• Critical Supply Considerations and How to Identify “Scarcity” in the market
• The Three Biggies: Human Behaviour, Human Interest and Economic Activity
• What Property Indicators should property investors assess?
• Why does the Demographic of a property market have such an impact on property prices?
• What areas will grow most in value?
• What is gentrification?
• Tips for Investing in Apartments

Free Resources

Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week(please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.) 

Episodes from The Property Couch to Further Support You…

• Episode 008 | Investment Stock vs. Investment Grade
• Episode 030 (Part 2) | What is Gentrification and Signs to look out for – Chat with Peter Koulizos
• Episode 037 | Understanding the Scarcity factor in Property Investment
• Episode 123 | What is Owner-Occupier Appeal and How to Use It When Buying Your Next Investment?

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

With today’s tightening rate cycle, it’s no surprise that many folks are refocusing and replanning their lending strategies to secure their cash flows. 

That's why, in this week’s episode we’re honouring those folks who are focusing on a “prevention rather than a cure” (and encouraging others to get on board!) by unpacking 4 REAL mortgage stories from our own brokers covering: 

👉 Refinancing before maternity leave with a history of health complications, 

👉 Navigating cash flow challenges as a single parent

👉 Relocating across states with jobs that CAN’T be done remotely, and...

👉 Exactly why you need good lending advice from a qualified, experienced broker! 

If you can’t tell folks, this episode is packed full of evergreen wisdom that’ll reveal how to navigate cash flow challenges and optimise your lending strategy today. Tune in now!


Free Stuff Mentioned 

• Need help making your money last? Check out Moorr’s MoneySTRETCH to gain a clear line of sight into your finances! Watch Ben’s video to find out more 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:
- Website
- Instagram
- Facebook
- Youtube

If there’s just one framework you should focus your attention on if you want to be a successful property investor… please make it this one!

Folks, in today’s episode we’re revealing THE Property Investment Formula you need, not just in your toolkit, but also what you must implement if you want to build a multimillion-dollar property portfolio that creates a passive income for yourself and your loved ones!

Our Property Investment Formula is made up of FOUR critical elements – what we call our our “A.B.C.D.” Pillars of Mastery – and it works in ANY market and at ANY time… (yep!)… ‘cos this is an evergreen formula to invest in property. It really will work today, tomorrow and forever. So make sure you get this framework RIGHT.

BUT while this “A.B.C.D” Acronym makes it super easy for you to remember… these Pillars are NOT in their correct order as you would apply them in real life… so, please NEVER start with the property (Asset Selection)!

We’re about to unpack what order to apply our “ABCD” Property Investment Formula and how to implement and what to consider in each individual Pillar. This is one of our all-time favour frameworks and, yep, it is absolutely critical for every property investor, no matter what stage they are in! 

Listen now to get the proven formula to invest in property that works in any market and at any time!

 Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/

Here’s a bit of what we cover in today’s episode…

• What is Asset Selection?
• What and Where should you buy?
• The 4 Developer Tricks To Avoid At All Costs
• New vs Old Properties
• How to recognise an Investment Grade Property
• What is Borrowing Power?
• How do you maximise your Borrowing Power?
• How to Structure your home loans
• Principle Interest vs Interest Only
• What’s a Cash-on-Cash return?
• What is “cross-collateralisation” ?
• Should you pay Lenders Mortgage Insurance (LMI)?
• What is Cashflow Management?
• Four Steps to Elite Money Management
• Why is “Liquidity” so crucial for a property investor?
• Or Money SMARTS system to Financial Peace
• What is Defence?
• How can you protect yourself, your family and your property portfolio? 
• How can you reduce your risk?

Free Resources

Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week (please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.) 

Episodes from The Property Couch to Further Support You…

• Episode 123 | What is Owner-Occupier Appeal and How to Use It When Buying Your Next Investment?
• Episode 55 | Investment savvy mortgage broker and why interest rate is not king?
• Episode 194 | Seven Tips to Trap Your Surplus Cash

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

As new property listings surge higher and the housing market continues to recover post-COVID, how can we solve Australia's growing demand for property in the capital cities?  

Here to help us tackle this giant question that pierces the heart of one of Australia’s biggest upcoming issues, we’re introducing an exceptional, first-time guest to the show...  

Welcome Paul Ryan, REA Economist and Specialist in Housing Finance, Market Forecasting and Big Data Analysis! Before joining REA in late 2020, Paul spent a decade at the Reserve Bank of Australia conducting research on the Australian economy, focusing on housing markets, lending risks and regulatory effects on property markets. 

Today, we’ll use his vast knowledge and incontestable passion for Macro and Microeconomics to explain how and why property investors act the way we do!  

From exploring why we are moving houses less as a nation to unpacking how this upcoming period is an interesting one for property investors, we’re examining the policies that dictate our actions, and the intriguing behavioural patterns and beliefs that have emerged as a result.   

Thank you to Paul for sharing so much of your time, wisdom and valuable insights, we can’t wait to have you back on the couch!   

Seriously, give it a listen now folks 😊🌌✨

Free Stuff Mentioned

• Have your say! Object to Victoria’s Land Valuations as mentioned in Ben’s What’s Making Property News update 
• Read Paul’s Articles mentioned: 
  • Homes are not being built where people want to live 
  • With interest rates now reaching their peak – should APRA reduce the serviceability buffer?

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