The Property Couch

Have you ever wondered if there’s a “right” way – or smart life hack – to pay off debts?  

Like is it better to pay off your investment property….before your Principal Place of Residence?!   

Well folks, we have just the Q&A for you today where we tackle this very question and answer: Does this really shave off any debt?!?  

At the core of this Q&A is how folks can maximise their opportunities and be money smart…

From renting your home as a holiday house to transferring a negatively geared property to your name, these folks have extremely interesting and niggly questions that we can’t wait to unwrap and sink our teeth into.   

Tune in now to get (money) smart folks!  

• Want to be on The Couch? With the weather warming up we’re starting to plan for our 2022/23 Summer Series!
  If you’d like to be a guest, reach out to Stig here (We’d love to hear from you!!).
• Get MoneySMART with our free, online money management platform, Moorr. Sign up or login here.  
• Read this Tax Blog – by Julia Hartman on The Top 5 Tax Planning Rules Every Property Investor Must Understand here.  
• Listen to Ben’s September RBA Update here.  
• Haven’t heard about Queensland’s new Land Tax? Listen to our recent episode where we unpack all the gold here.  
• Leave us a Question! Have a problem you don’t know how to solve? Chances are, other listeners are facing the same issue! Ask us on our SpeakPipe now.  

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

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

Inflation is at a 20-year high at 6.1% – and continuing to rise.  

So how has the Reserve Bank of Australia responded to its September cash rate?  

Tune in to find out and uncover if Australia’s cash hikes are set to slow down soon…or if the RBA’s new forecast reveals otherwise. 

Across the globe, the inflation story continues to unfold and trade tensions between Russia and the Eurozone simmer. We see oil prices and energy suppliers shifting which leaves the question: How will it impact Australia?  

Plus Ben unpacks these key themes in this month’s economic update: 

• The US Fed’s warpath against inflation   
• RBA is back at it again with another rate rise  
• Why APRA must act now to reduce its buffer rate 
• The trough and peak results in Australia’s property market during COVID 

Quick tip! If you’re keen to forecast your cashflows through this period, use the handy MoneySTRETCH feature on our free money management platform, Moorr. Click here to sign up or log in. 

Additional free resources:

•  Episode 169 | Alan Oster – NAB’s Group Chief Economist – on Interest-Rate Rise, Tax Cut and The Future of Residential Property
• Episode 389 | Interest Rate Rise: What this means for YOU! – Chat with Evan Lucas
• Episode 390 | Will Interest Rates CRASH the Property Market?!
• Episode 404 | What do Inflation, Interest Rates & Broccoli have to do with Property?!
• 
  
• 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

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

Market sentiment is in a hairy place. 

Every day costs are rising, people are worried and purse strings are being pulled tighter.  

So how can you make sure you’re not leaving any money on the table?  

Well, from our experience, one of the biggest “money pits” people fall into is their mortgage loans. Specifically, folks don’t know how to find – and maintain – the best rate for them.  

Here’s the deal… 

When folks first start with their mortgages, all the banks are jumping with great offers. But it’s what happens after they have been with a bank for a while that stumps them. 

How can they continue to stay on the best rates (and pay off your mortgage quicker) when banks are too busy offering their best deals only to new clients?!   

That’s why in today’s episode, Bryce & Ben are consolidating their insider knowledge and experience to give you the 7-lesson cheat sheet on… 

How to beat the banks at their own game.  

There are tens of thousands of dollars on the line if you don’t play the mortgage game right, so tune in now!  

• Discover the TRUE cost calculator (How to Calculate Profit from Property Investment) here. 
• Want to take the “Do it With Us” Approach? Check out our YouTube Channel for regular insiders gold on property investing and building wealth.  
• Rather take the “Get it Done for You Approach”? Our team would love to have a free, no-obligation chat with you! Start a conversation with us today. 
• Watch our short and sweet “Don’t Leave Money on the Table – Moorr Series” here.  
• Free Money Management Platform – Want more out of your finances? Try moorr here.  
• Listen to our latest episode (which reached #2 on the iTunes Chart!): Episode 405 | Why the Great Australian Renter’s Tax is Everyone’s Problem!? 

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

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

Folks — full disclosure — today’s episode was NOT originally in the plan.

Today you’ll be listening to Bryce interviewing Ben Kingsley as the Chair of the Property Investment Professionals of Australia (PICA) on Australia’s greatest renter’s tax ever introduced.

Free Stuff Mentioned… 

• Complete PIPA’s 2022 Sentiment Survey: Let us know your experiences and have your voice heard on issues such as QLD’s Land Tax. This is perhaps the most important Sentiment Survey ever done – Click here to complete the survey now.    
• Read APRA’s reforms here:
  • 2017 – A limit on interest-only loans.
  • 2019 – ADIs setting their own minimum interest rate for serviceability assessments.
  • 2021 – Re-assessing new borrowers’ ability to meet their loan repayments  
• Check out this graph which reflects one of the unintended consequences caused by APRA reforms. (Mentioned at 23:10)  
• Read this 2022 economic study by the Real Estate Institute of Western Australia (REIWA) on legislation and its market impacts here.  
• Read more details about Queensland’s Land Tax on its official Government website. 
• Read this article by Real Estate Business about the Real Estate Institute of the Australian Capital Territory (REIACT) slamming minimum standards for rental properties here.  
• Listen to REIACT CEO Michelle Tynan on the ABC Canberra Radio discussing the Better Renting survey of 74 properties across Australia 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

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 higher interest rates and tighter budgets on the forecast, some folks have been left wondering… 

“How does lifting interest rates – when everything is already so expensive – actually help with inflation??” 

And for today’s episode – what do interest rates and inflation have to broccoli and property?!

To answer this, we’re holding a special 101-crash course in inflation to explain why the Reserve Bank of Australia has taken its course of action and Ben dovetails it all together to demystify how it impacts and interacts with the Australian property market. 

• Fill out PIPA’s 2022 Sentiment Survey: Folks, this year’s Sentiment Survey by the Property Investment Professionals of Australia (PIPA) is perhaps one of the most important ones we’ve had yet! Let us know your experiences as an individual in the property market and have your voice heard. Complete the survey here.  
• BingeGuide to Property, Finance & Money Management – Download here  
• FREE eBook – Make Money Simple Again  
• FREE Book (Just pay for shipping!)– The Armchair Guide to Property Investing  
• Introducing moorr: our newest evolution of the MyWealth Portal! Check it out here.  
• Let us know how we’re doing! We want to know if we’re doing the right thing. Leave us a review here and let us know your thoughts.  
• Watch the RBA’s August Announcement here: Hear the Reserve Bank of Australia’s newest cash rate here.  
• Send us a question: Be featured in our next Q&A episode! Send us a Question via the SpeakPipe widget 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

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

Continuing from last week’s episode, we’re back with PART 2 of Do You Need a Buyers Agent in Today’s Market?  

As we’ve said since our earliest podcast episodes, folks end up paying in 1 of 4 ways, and choosing to work with a Buyers Agent means you’re also choosing to pay in the best way… (especially in today’s market, you don’t want to be paying in any of the other ways…) 

This week we’ll be diving deeper into this concept and unpacking the 5 benefits that Buyers Agents bring to property hunters – especially in today’s turbulent market.   

• Book a FREE, no-obligation consultation: If you’ve decided you could gain value from working with a Buyers Agent, why not give our team a try? Book an initial chat here.  
• Read this article: Has rent kept up with inflation?! Read The Property Investment Professionals of Australia (PIPA) and the Property Investors Council of Australia (PICA) newest findings here. (and fill out the survey below!)  
• Fill out this quick survey: Are you a landlord? We want to hear YOUR experiences! (Rising interest rates, land tax reforms, new tenancy laws – the whole lot!) Complete PIPA’s Annual Property Investor Sentiment Survey here and have your thoughts heard. 
• Listen to Part 1 of Episode 402 – Do you need a Buyers Agent in today’s market? Here.
•  Don’t know who Toui is? Tune in to hear his amazing Winter Series debut here or to see our full Summer/Winter Series collection, click here.  
• Never heard of Sous Vide? Check out this video to see it in action 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

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 you’ve been listening to the podcast recently, you’d know that we’ve been encouraging folks out there to keep investing despite today’s property market – basically, to be “greedy when others are fearful,” in the wise words of Warren Buffet!

But…how are you supposed to get into the market – or even make progress – when you don’t have the experience or the time to invest? 

Folks, the answer is a Buyers Agent! 

We’ll be deep diving into what a Buyers Agent actually does, the #5 critical roles they fulfil on behalf of their buyer and why they are super beneficial for folks looking to invest in today’s property market!

• Introducing moorr: our newest evolution of the MyWealth Portal! Check it out here. 
• Keen to get yourself a qualified Buyers Agent? Why not book a free, no-obligation consultation with one of Buyers Agents here! (And if you need any convincing, this is the top-notch team that Bryce used to lead )  
• Want fresh, free content in your inbox daily? Join our community here!  
• Looking to get a Depreciation Schedule done? Why not try BMT Tax Depreciation? And when you fill out this form you’ll also receive a discount for being part of The Property Couch community! (P.S. We don’t get any benefits from referring them though – we truly reckon they do a great job )  
• Read the article: 60% of WA investors could be forced to sell?! Check out the piece Ben references here in his “What’s Making Property News?” segment.  

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

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 we welcome in a new financial year, we welcome another not-so-surprising change…

The Reserve Bank of Australia has once again lifted the cash rate by 50 basis points, bringing the official rate to 1.85%. This marks the most aggressive rate rise in a 3-month period since 1994 (If you’re wondering,  back then the RBA lifted the cash rate by 200 basis points)

Tune in as Ben breaks down what this hike means in the big picture and unpack these key themes:  

• Is the world’s biggest economy in a recession already?  
• The manufactured economic slowdown is now in full swing with another rate rise this month 
• Unemployment surprises in the upside beating all forecasts for July 

Plus, Ben also includes his latest news and commentary on…

•  The good and the bad: US Property Market slowdown & the raw material rebound
•  Unpacking 2 key US data reports: Consumer Price & Core inflation   
•  China’s largest COVID outbreak since 2020 – How is their economic recovery looking? 
•  The European Central Bank’s first cash rate hike in 11 years  
•  Unlocking the mindset of the Australian consumer – are we in crisis mode? 
•  Retail Sales & Inflation: The Biggest Predictor of Slowing Rates  
•  Property Price Slump: Should you be worried? 
•   CoreLogic’s Home Value Index – 1 August 2022 

And much more! 

Additional free resources:

•  Episode 169 | Alan Oster – NAB’s Group Chief Economist – on Interest-Rate Rise, Tax Cut and The Future of Residential Property
• Episode 389 | Interest Rate Rise: What this means for YOU! – Chat with Evan Lucas
• Episode 390 | Will Interest Rates CRASH the Property Market?!

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

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

“How old is TOO old to start investing?!?”  

Like…how do Offset, Interest-Only & Principal Interest Only accounts work (in practical terms) to help you retire your debt? What are the fundamentals of Amortisation (we promise it’s not as scary as it sounds) and when are you too old to refinance a loan?? 

We’re answering how you can use all of this to best position yourself for retirement, plus…

For single parents, Ben provides his #1 piece of advice to for building wealth into your retirement and we dive into diversification and buying the same suburb.  

So much to unpack, digest, and replay time and time again. Start streaming now for some evergreen content folks!!  

• Listen to our 400th Episode featuring the incredible and inspiring true story of Michael Crossland here!  
• BingeGuide to Property, Finance & Money Management – Download here 
• FREE eBook – Make Money Simple Again 
• FREE Book (Just pay for shipping!)– The Armchair Guide to Property Investing 
• Read the article by Eleanor Creagh, Senior Economist at REA Group, on why more than half of all Australian homeowners won’t feel the cash hikes yet here. (Tune in to 49:50 to hear Ben’s related “What’s making property news” segment!)  
• Looking for a friendly, knowledgeable investment savvy mortgage broker to help you find the best solution for your circumstances? Click here to find out more about our services and book a free, no-obligation consultation today!  
• Listen to Sean Croxton’s “The Quote of the Day” podcast from Bryce’s Mindset Minute today 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

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

Imagine, as a child, being diagnosed with an incurable cancer of the central nervous system. Imagine being told that you only have a 4% chance of survival.

Now imagine being offered hope – a shot at life – as a patient in a new cancer drug trial. But…as the days and months creep by, seeing all the other children slowly passing away, one by one, until you are the only survivor left.

Folks, this gut-wrenching, heart hammering vision is the TRUE story of Michael Crossland, the man who survived and continues to beat the odds, every single day.

In celebration of our 400th episode on the couch, we wanted to give you a story as amazing and meaningful as the milestone you’ve all helped us achieve. A GIGANTIC thank you to all our listeners who tune in every week, we are humbled and honoured to be able to help you on your financial journey.  

And Michael is the perfect guest for this.

A businessman and elite sportsman, Michael is at the forefront of today’s new generation of inspirational speakers and is one the most in demand and highly respected speakers in Australia. After releasing his first ‘tell all’ autobiography, Everything Will Be OK: A Story of Hope, Love and Perspective, in 2016, he is now a number 1 bestselling author across 6 different countries.

He’ll be sharing his continued struggle for life, spending ¼ of his entire life in hospital, yet continuing to persevere and grow from pro-athlete to successful businessman. From the heart attack which ended his sporting career to the numerous knockdowns, Michael shares with us his story and how he – and you – can overcome any challenge in life.

Folks, this may be one of our most inspirational and eye-opening episodes, please just tune in to hear the pure gold and wisdom that Michael has to share.

• Michael’s autobiography – Everything Will Be OK: A Story of Hope, Love and Perspective – Learn more here
• Michael’s Charity – the Frontier Projects Charity
• Introducing Moorr: our newest evolution of MyWealth Portal! >> moorr.com.au

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

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