this is property

In this episode John walks Rachelle through the 8-point strategy he uses with clients as a buyer's agent and talks about in his book, Sort Your Property Out and Build Your Future. They chat about:

👉🏼 capital growth, cash flow and where tax benefits fit

👉🏽 why price starts with what the bank will lend

👉🏾 what yield you need and how to calculate it

👉🏿 why location is important but doesn't come first

👉🏻 house, unit or something in between

👉 buying entities - whose name and what structure?

👉🏼 loan-to-value ratio

👉🏽 the class of property - the shield of your strategy

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In this episode John interviews Graham and Nicky, New Zealand property investors who went from a lifestyle block in 2009 to a 13-property portfolio. They unpack how they did it, the mistakes, learnings and what's next as they set their sights on property in Australia. They touch on:

👉🏼 life before investing: the lifestyle block, pig farm and commercial gym1

👉🏽 starting their portfolio pre-COVID and the property that went down in value

👉🏾 turning the pig paddocks into Airbnb glamping cabins

👉🏿 how a strategic mortgage broker helped fast track their portfolio

👉🏻 why they've shifted to an aggressive debt reduction strategy

👉 the relocation to Australia and where to from here

👉🏼 how CGT works in New Zealand

👉🏽 mindset, risk alignment and what the next 5-10 years looks like

👉🏾 takeaways and advice for other investors

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

John and Rach are back with part two of upsizing in a down market, working through your questions on how to buy and sell at the same time. In this episode they touch on:

👉 what a sunset clause is and when it could work for you or against you

👉🏼 bridging loans and the risks to consider

👉🏽 holding two mortgages or renting short term while you sell?

👉🏾 buy first, sell first, hold both or use bridging finance?

👉🏿 how a deposit bond works, and the risk most people misunderstand

👉🏻 how a simultaneous settlement gets pulled off

👉 keeping your old home as an investment when you upsize

Listen: 718 upsizing & bridging loans: are they worth it??? Apple Podcasts | Spotify

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

We're doing a 2-part series on upsizing and answering your questions! In this episode, Rach and John chat about:

👉🏼 what is considered a down market?

👉🏽 the risks of buying before you sell

👉🏿 should I sell my home and buy acreage and build?

👉🏻 when is a property too large and detrimental to resale value?

👉 how to make a competitive offer without overpaying

👉🏼 navigating the psychology of selling "at a loss"

👉🏽 Rach and John's top tips

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In this Q&A, Rach and John chat about:

👉🏼 a couple seeking reassurance about whether to upsize

👉 should we build a duplex or buy more investment properties?

👉🏾 they want to keep their original PPOR when they upsize but what do the numbers say?

👉🏿 how does commercial property stack up as an investment following the Budget changes?

Listen to episode 838 on commercial property: Apple Podcast | Spotify

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In this episode Rach sits down with mortgage brokers, Aaron Christie-David from Atelier Wealth and host of the Built Different podcast and Katie Thomas from Focus Finance, who's also been named Australia's #1 residential broker. They chat about what's actually happening with investor lending right now, touching on:

👉🏼 the investor lending landscape right now and how it's changed

👉🏽 what's the outlook for commercial property?

👉🏾 should investors buy now or buy later?

👉🏿 what are sophisticated investors doing right now?

👉🏻 how Katie & Aaron work with clients on strategy and risk management

👉 what happens when serviceability becomes an issue?

👉🏼 can people still build the same portfolios today as they could 10 years ago?

Connect with Katie & Aaron below:

Katie's IG: https://www.instagram.com/katie_focusfinance/

Aaron's IG: https://www.instagram.com/aaronc_d/?hl=en

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In today's episode Rach chats with Helen Tarrant, director of Unikorn Commercial Property, one of Australia's leading commercial buyer's agents. Helen has so much experience and knowledge having built a $30M portfolio and helped guide and educate Australians in their commercial property investing journey since 2016. Strap in because this episode is packed with insights and tips! They touch on:

👉🏼 Helen's story - from beauty therapist and law student to now

👉🏽 commercial vs residential - the key differences

👉🏾 types of commercial property and what Helen recommends for beginners

👉🏿 what's the outlook for commercial property in the next 5 years?

👉🏻 how commercial leases actually work

👉 buy a property tenanted or vacant?

👉🏼 average hold times and understanding your strategy

👉🏽 biggest commercial investor mistakes

👉🏾 how commercial lending works

Learn more about Unikorn: https://unikorn.com.au/

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In today's episode John and Rach discuss:

👉🏼 40 year loan terms: banks are pivoting to find ways to improve investor lending

👉🏽 a practical example of how this changes an investor's borrowing power

👉🏾 how often should your property manager inspect your property?

👉🏿 when is it worth switching property manager and how to

👉🏻 how do banks assess genuine savings vs gifted deposit?

👉 a developer wants to buy my apartment, what should I consider?

this is property is proudly brought to you by:

Envisage Property: https://www.envisageproperty.com.au/ 

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

A Sydney suburb has made headlines falling nearly $600,000 in a year according to the AFR. In this episode John chats with Vince Scully from Life Sherpa to unpack the data and context that isn't mentioned, leading into a wider chat about boom and busts cycles. They touch on:

👉🏼 what the headline doesn't tell us about the Sydney suburb that fell

👉🏽 understanding that there are markets within markets

👉🏾 what happens to property during a downturn?

👉🏿 is the 18.6 year cycle theory legit?

👉🏻 was it easier or harder to buy a house when interest rates were 17%?

👉 where does Vince see the unemployment rate and house prices going

👉🏽 tips for investors

👉🏾 will the property changes be reversed or are they here to stay?

Related episodes:

739 the boom bust property cycle explained + where are we now? Listen on Apple | Listen on Spotify

344 timing the market: Listen on Apple Podcast | Listen on Spotify

Book 15min free chat with John Pidgeon here: https://www.envisageproperty.com.au/free-consultation

Glen James' and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE

this is property is proudly brought to you by:

Envisage Property: https://www.envisageproperty.com.au/ 

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH

John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

In this Q&A, John and Rach talk about:

👉🏼 the property market outlook for investors following the tax changes

👉🏽 how will the new way of negative gearing work

👉🏾 do I have to get my properties valued before 1 July 2027 and how do I do that?

👉🏿 what is selling the process and how much do I get after tax and expenses?

👉🏻 advice for single parents re-entering the property market

this is property is proudly brought to you by:

Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent

Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service

Sphere Home Loans: https://www.spherehomeloans.com.au

Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Hosted on Acast. See acast.com/privacy for more information.