Making a decision to fold can be a nerve-racking ordeal. And we're not just talking about playing cards. Sometimes you need to make difficult decisions about the properties you have purchased. Whether the property hasn't performed as you had initially hoped or some life event has changed your plans. There's one thing for sure though - the stakes are high. In episode 18, the Property Planner, Buyer and Professor dissect "When to hold and when to fold!" Listen as David Johnston, Cate Bakos and Peter Koulizos, take you through the considerations before making a decision to sell, the strategies to get right to avoid selling and their own stories of folding too soon. PS - Be sure to stick around to hear the trio singing Kenny Roger's Gambler! Visit the show notes: https://propertyplanning.com.au/when-to-hold-when-to-fold-18/

School's back in session and this week's topic includes everything you need to know about valuations. There are many different types, each producing a different result based on the purpose. In episode 17, the Property Planner, Buyer and Professor dissect the ins and outs of "Valuations 101". Listen as David Johnston, Cate Bakos and Peter Koulizos, take you through the different types of valuations, the consequences of falling short and how you can proactively support a valuer with comparables to manage the risk of a conservative lender valuation. Show notes: http://bit.ly/2Jc9DZO

Yep - no footy talk in this episode - it's all Land to asset ratio and what a ripper of an episode this one is. In episode 16, the Property Planner, Buyer and Professor dissect the mystery behind "Unpacking land to asset ratio". Listen as David Johnston, Cate Bakos and Peter Koulizos, take you through what is it, why it underpins a good investment strategy, and whether there is a perfect ratio! Visit the show notes - https://propertyplanning.com.au/unpacking-land-to-asset-ratio-ep-16/

Banks - can't live with them, can't live without them! Did you know that lenders limit the amount they will lend against certain properties and they reject some outright as security for a mortgage? Do you know which ones and why? In episode 15, the Property Planner, Buyer and Professor dissect "Why you must keep clear of the properties banks don't like." If we all accept that banks want to make money - we can understand that there is method to their madness. Listen as David Johnston, Cate Bakos and Peter Koulizos, take you through what property locations and dwelling types the banks turn down and why the banks put restrictions on certain properties in the first place. It may just save you from making a big mistake. The last thing you want is to be left high and dry without finance and a dud asset. As if purchasing a property wasn't stressful enough! Visit the show notes - https://propertyplanning.com.au/why-you-must-keep-clear-from-what-the-banks-dont-like-ep15/

Weekend excursions, reconnaissance missions and scoping out an area. While you may not be a secret government agent, you are on the property hunt, looking to make your next big decision. And did we mention you also need to be a time-traveller? Analysing data to ascertain historical outcomes and looking forward to determine future expectations. Understanding the key data based fundamentals of a location is part and parcel to making a successful property decision. In episode 14, the Property Planner, Buyer and Professor dissect "how to choose a location for investment - what to look for and what to avoid" Listen to David Johnston, Cate Bakos and Peter Koulizos, as they take you through the critical considerations when choosing a location for investment. Visit the shownotes

The type of property that suits your current needs, will not necessarily meet your long-term needs. Beware of Dad's acting on behalf of kids and pregnant women bidding at an auction! They have a time deadline and the purchase price may be less important. Where you are competing to purchase a property and you are up against people who are motivated by time - instead of money - the price tag can quickly fly out of reach. In episode 13, the Property Planner, Buyer and Professor dissect "How age and life stage can impact your property strategy." Listen to David Johnston, Cate Bakos and Peter Koulizos, as they take you through the critical considerations and how they change throughout your life's journey.

The media hype around timing the property market can lead to many unnecessary concerns about 'timing' the market. You may ask yourself what if property prices fall? Do you ask yourself what if they keep going up? In our 12th episode, the Property Planner, Buyer and Professor dissect "Property cycle management - why now is always the best time to buy if it suits your personal economy and you have a long-term property plan." Listen to David Johnston, Cate Bakos and Peter Koulizos as they take you through market cycles, the catalysts behind market movements and how to deal with a downturn.

Everywhere you go, new townhouses and apartments are springing up in droves. Does that mean you should be getting in on the action and become a small-time developer? In our 11th episode, the Property Planner, Buyer and Professor dissect "Small time development - how it can work for you, but is it a risk worth taking?" Listen to David Johnston, Cate Bakos and Peter Koulizos as they take you through where to begin if you're interested in property development, the inherent risks and of course, setting your strategy before going on the hunt for a viable site.

How do you frame risk when making property, mortgage and money decisions? What risk management strategies do you have in place to minimise your downside while optimising the upside? It can be a tricky balancing act. In our tenth episode, the Property Planner, Buyer and Professor dissect "Why your approach and assessment of risk is paramount to property success", and if done poorly, how it can lead you up the garden path! Join Peter Koulizos (Property Professor), Cate Bakos (Property Buyer) and David Johnston (Property Planner), as they take you through all the different ways to look at, consider, and manage risk when making property, mortgage, money and lifestyle decisions before your next purchase and the critical mistakes to avoid. Follow the Property Planner, Buyer and Professor Podcast: •Facebook •Instagram

Do you have a mortgage strategy for your largest expense in your lifetime - or have you focused on a short-term win - your interest rate? What if I told you that you can have the best of both worlds, a great mortgage strategy AND interest rate! In our ninth episode, the Property Planner, Buyer and Professor dissect "Why your mortgage strategy is more important than your interest rate". This isn't simply about paying down your mortgage faster. Everyone understands that! Listen to David Johnston, Cate Bakos and Peter Koulizos as they take you through the key mortgage strategies that the mortgage industry neglects, resulting in a lack of awareness for consumers and the critical mistakes to avoid. Follow the Property Planner, Buyer and Professor Podcast: •Facebook •Instagram