this is property

Matt Frawley is a pro NRL player for the Canberra Raiders and an avid listener of the show! He joins John and Emily on the podcast to share his money story, life as a professional footy player, buying property in Canberra and aspirations for getting into a career in property post-footy career.
Keen to hear about fixed and variable loans? Check out episode 333: https://player.whooshkaa.com/episode?id=896757
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-plan
Chat with John and Emily! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

Here it is, the long requested episode on solar! There's been a ton of interest on this topic in our community so we are fortunate to have Richard from United Solar Energy joining John and Emily to answer all our burning questions. Here's what they chat about:👉🏾why solar is becoming more and more of a hot topic in recent times👉the benefits of solar installation in Australia for home owners and rental property owners - seeing pay back over a short period of time, affordability and average daily savings of 50-80% of electricity costs, pretty amazing!👉🏻what to look for in a house if you are planning to buy and install solar down the track👉🏿how do I know if my old roof can withstand solar panels?👉🏼the importance of research and asking the right questions to your energy consultant to maximise your benefit from solar👉🏽a case study of the kinds of costs and returns you could expect👉the discussion that solar doesn't produce enough ROI because of the low return from selling your energy to the grid👉🏾do you generate more solar energy depending on how much sunlight your area gets?👉🏻can you get solar to heat your pool?
Learn more about United Solar Energy: https://unitedsolarenergy.com.au/
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-plan
Send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

Emily and John answer questions posted by Claire, Chelsea and Courteney in the m3 Facebook group!
Check out some of the episodes mentioned in the chat:
Ep 251 alternative ways to find properties: https://player.whooshkaa.com/episode?id=772520
Ep 319 new regulation for short-term rental accomodation (STRA) in NSW: https://player.whooshkaa.com/episode?id=832032
Ep 330 on choosing home size: https://player.whooshkaa.com/episode?id=888369
Ep 327 on deciding whether to buy regional vs city: https://player.whooshkaa.com/episode?id=853885
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-plan
Send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

More questions, more answers! Emily and John discuss:👉is land banking a worthy investment?👉🏻how do I know when to cut my losses on a bad investment property purchase?👉🏾what insurances should I look out for when buying into a body corp or strata arrangement?👉🏽what does 'doing due diligence before you buy' actually mean?👉🏿should I buy commercial property?👉🏼how can I increase my serviceability when I’m on a lower wage?👉plus Emily shares a personal property win
Here’s the episode on what to look out for in a property before you buy: https://player.whooshkaa.com/episode?id=845722
Take a listen to our sister podcast for tips on how to increase your salary: https://player.whooshkaa.com/shows/my-millennial-career
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-plan
Chat with us! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

Emily and John answer some great questions from the m3 community! They chat about: 👉🏾how do I use equity from my property to buy another one? What’s the difference between using cash vs equity as a deposit? 👉how do I get a valuation done on my house? 👉🏿does getting multiple valuations impact my credit score or ability to get finance? 👉🏻is it better to have the majority of your debt against an investment property rather than your PPOR for negative gearing? 👉🏼is it better to have a townhouse instead of a house on land in order to pay less land tax? 👉🏿should I buy my own home or rentvest? 👉🏾how do I research areas to buy an investment property in with relation to rental yield?
How to calculate gross rental yield: Step 1: Multiply the weekly rent by 52 to get the annual rent Step 2: Divide the annual rent by the property purchase price Step 3: Multiply that figure by 100 to get the percentage of the gross rental yield
Here’s the episode Emily mentioned which touches on interest only vs principal and interest loan repayments: https://player.whooshkaa.com/episode?id=896757
Here's the link for SQM Research: https://sqmresearch.com.au
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-plan
Send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

We're talking about loans and answering your FAQs! Mortgage broker, Rachelle Kroon from Sphere Finance, joins Emily and John for this chat. They touch on:👉why would someone go to a mortgage broker instead of a bank for their finance?👉🏾should I choose a fixed or variable loan rate and what are the pros and cons of each?👉🏼what’s the difference between an offset account and redraw facility + how do they work and do you need one?👉🏽getting into the market (potentially sooner) with a parental guarantee: how it works, can you use one for an investment property and can you use them more than once?👉🏻should I go with interest only or principal and interest for my loan repayments on my home or investment property?
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://education.mymillennial.money/courses/the-glen-james-spending-plan
Send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

John and Emily talk property with former AFL player for the Brisbane Lions and Brownlow Medallist, Jason Akermanis aka Aker! The chat touches on Jason's move into real estate and his insights on the current market, including:👉what Jason’s been up to since retiring from his footy career and his journey into auctioneering and real estate👉🏻the shifting mentality he’s noticed towards auctions in recent times within the Brisbane market👉🏿stock shortage and oversupply👉🏾tips for choosing a real estate agent that’s right for you👉🏽tips for first time buyers looking to get into a hot market
Connect with Jason on FB: https://www.facebook.com/Akerproperties and Insta: https://www.instagram.com/jason_akermanis_properties
Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://education.mymillennial.money/courses/the-glen-james-spending-plan
Send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

Strap in! John and Emily are going deep and narrow on what the Brisbane 2032 Olympics might mean for the housing market and what to consider when buying your first investment property or growing your portfolio.
Check out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-plan
Send us your questions! Email [email protected] with ‘my millennial property’ as the subject or use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below and John's buyer's agency here: envisageproperty.com.au
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

You guys have been sending us heaaaps of questions and we are loving them! John and Emily get stuck into a few, touching on:👉what to consider for renting out or selling your first home when upsizing👉🏻the upsides and downsides of rentvesting, and ‘freevesting’👉🏼exit strategies if paying interest only on an investment loan👉🏾whether to go for an older more spacious townhouse or a newer compact one
Check out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-plan
Keep sending us your questions. Email [email protected] with ‘my millennial property’ as the subject or use #property in the m3 Facebook group: facebook.com/groups/mymillennialmoney
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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

John and Emily unpack the concept of hot spots, touching on:👉🏼some data comparison of a few towns across NSW👉do they exist?👉🏿what to include in your strategy to help identify the perfect hot spot for you👉🏻where to find market insights👉🏾is it necessary to view where you buy?
Take a listen to the episode with Jeremy Sheppard which touched on hot spots: https://player.whooshkaa.com/episode?id=834183
You can find free market insights from: https://www.realestate.com.au
https://www.domain.com.au
https://sqmresearch.com.au
https://www.abs.gov.au
Subscription-based resources include: https://www.corelogic.com.au and https://www.realestateinvestor.com.au
Check out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-plan
Send us your questions! Email [email protected] with ‘my millennial property’ as the subject.
Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.
For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes
🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.
We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast.

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