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035 | What does the PIPA Annual Investor Sentiment Survey means?

In this podcast episode, Bryce and Ben will be explaining the recently released 2015 PIPA Annual Investor Sentiment Survey and help our listeners in understanding what the report means to property investors and the industry itself. Some of the key insights of the report include the impact of APRA’s regulation on residential real estate, overall sentiment on how the market is performing and where it is heading, where does most investors get their property investment advice from, which state capital provides the best potential for investment and more.

Bryce and Ben will also be spending the first half of the podcast discussing about this week’s change in lender’s interest rates on residential properties and the logic behind this decision. Listen to the podcast now to learn more.

 

Free resources mentioned in this podcast:

 

If you like this episode (What does the PIPA Annual Investor Sentiment Survey means) , don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

034 | Q&A – Investing in Commercial Property, Fixing your Loan, Using a BA and Estimated Growth & Returns for Property Plans

It’s another Q&A episode! We are loving these Q&A episodes. If you have a property related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

  • Using a Buyers Agent question from Tim : For a person that is looking to purchase an investment property where they’ve already educated themselves on property investment from Podcasts, read property investment books and attended seminars and they’ve done all their due diligence from getting the right loan structure, finding the right location with all the growth drivers, will there be any benefits to engage a Buyer’s Agent?
  • Fixed loan question from Jonathan : Due to interest rates have been low for a few years now and flexible loans are good, when is the best time to fix them? When the interest rate reaches a point eg, 6%-7? Do you refinance your home and do 50% fixed and 50% variable . What is the rule of thumb on this topic?
  • Investing in commercial property question from Hany : What are the discussions of the pros and cons of investing in commercial property?
  • Estimated Growth and Returns for Property Plans from Josh : My question is around Bryce’s publications and the extent yield and growth percentages are applied. Exploring these publications I have found that the sum of both the yield and the growth figures never exceed 12% to 13%. Is this a rule of thumb? If so, to what extent can you divide these figures up when building an investment plan? is this constrained by property value? What is considered average, exceptional and using a Buyers Agent, what can be expected?

 

Free resources mentioned in this podcast:

 

If you like this Q&A episode, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

CPA Public Practice Conference in Lorne – How to Plan to build a Passive Income For Life with Property Investment

 

In Episode 34 of this podcast, Bryce and Ben answered one of our listener’s questions regarding the estimated growth and returns that we used in all our property plan production. To further assist with the explanation, we thought it would be best to share this presentation done by the both of them at the CPA Australia Public Practice 2014 Conference in Lorne.

Watch this presentation and please do let us know if you have any question by email at [email protected] or fill out the form here.

 

 

033 | Q&A – Investing with Equity, First Home Buyers Tips, Buy-Reconstruct-Sell Strategy and Leasing to Relatives

It’s Q&A time! In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

  • Finance related question from Kat : Would you please explain more about using equity? E.g. I heard from a broker that one needs to refinance the loan on the existing property (PPOR or investment) – does this mean the old property and the new one to be purchased are tied together? Some suggest using Line of Credit to get equity out. To assess the equity available, does one first need to pay for a valuation report on the existing property?
  • Leverage question from Naomi : I am considering selling my investment property in order to pay off the mortgage on my family home leaving me debt free and with the ability to then use all the money I currently pay on the family home mortgage for investment purposes with tax deductible debt. Is this a good strategy? Is there a better alternative you would recommend?
  • Episode 033 | Q&A - Investing with Equity, First Home Buyers Tips, Buy-Reconstruct-Sell Strategy and Leasing to RelativesInvesting strategy questions from Andy : Investing for demolition and reconstruction vs capital gain. Is it worth buying an older property close to the coast however a little further out from the city to sit on with the view to demolish with a larger land size or to invest in a more expensive smaller property which could be a little closer to the city.
  • Buying a Home question from Tom : I’d love to hear a podcast on your advice to first home buyers – whether that be best ways to save for the deposit, traps to avoid, or some type of plan for young home buyers – for example I’ve just start work as a property valuer in Melbourne for the last 5 months, and my girlfriend of a few years finishes studies later this year and we have the hopes of buying our first home together in 18 months or so.
  • Investing question from Andrew : Guys, just wondering what your thoughts are on buying an investment property that is potentially going to be tenanted by a relative? A relative has their lease ending in a few months, and i see this as an opportunity to buy an investment with a secured tenant (all through the proper rental channels i.e REIQ rental agreement). I think the opportunity definitely outweighs the risks. What’s your thoughts?

 

Other episodes mentioned in this podcast:

 

If you like this Q&A episode, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

032 | Investing in a Changing Market in Australia

Are we in a changing market? The Australian property market has had a great run but is it time to think about what happens when it cools down or even corrects itself. In Episode 32 of The Property Couch podcast, Bryce Holdaway and Ben Kingsley talks about property investing in a changing market. They started the podcast by discussing the signs and indicators of a changing market. As Ben mentioned in the podcast the leading indicators of a changing market is usually a month or six weeks behind. Youโ€™ll see a rush of supply come on and that exacerbates the small correction that will occur on top of the government interventions that are implemented via RBA and APRA.

Our hosts will also be discussing the type of properties that would be affected, the changes in interest rates and more. Tune in to the podcast to find out more!

 

Free resources mentioned in this podcast:

  • RBA October 2015 Cash Rate – Commentary by Ben Kingsley – Watch here
  • Seven mistakes property investor make – Watch here
  • Beginner’s Guide to Property Investment – Learn more

 

If you like this podcast: “Investing in a Changing Market in Australia”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Seven Mistakes Property Investor Make

 

In Episode 32 (Investing in a Changing Market), Bryce and Ben talks about the changes in the property market, recent lending regulations and how investors can react to the changing environment. In this video, Bryce explains some of the investing mistakes that he’s seen investors make.

The first mistake is this unwavering belief that all property doubles in value. We’ve mentioned it over and over again, not all properties are the same. Even if you are buying two identical property in the same suburb, their growth performance might differ because of their location; what’s next to them and are they on the main road? So it’s not as if you can put your name on a title and sit back and enjoy the equity and rental yield. It’s not that easy.

Watch this video to find out the other six mistakes property investor make.

 

 

Bryce Holdaway - Quote of the Day - The Property CouchBryce Holdaway โ€“ Partner, Property Advisor & Buyers Agent

As co-host of The Property Couch, Bryce Holdaway is also a partner at Empower Wealth and Co-Host of Relocation Relocation Australia and Location Location Location Australia on Foxtelโ€™s Lifestyle Channel. A qualified Buyers Agent and Financial Planner, Bryce holds a Bachelor of Commerce (Accounting), Real Estate Agent License and Diploma in Financial Services (Financial Planning).

 

RBA October 2015 Cash Rate Cut

Today the Reserve Governor and the Board met and kept the cash rate at 2%. In this RBA Cash Rate announcement, Ben will be touching on these points:

  • Market volatility around the world
  • Political changes in Australia
  • Business Conditions and Consumer Sentiment
  • Interest rate movement
  • The Australian Dollar and its impact on the Economy

Watch this video to find out more.

 

 

 

Ben Kingsley - Quote of the Day - The property couchCommentary & Opinion of Ben Kingsley โ€“ CEO & Founder; Property Investment Analyst and Advisor and current Chair of PIPA Ben Kingsley is the Founding Director of Empower Wealth and Chair of Property Investment Professionals of Australia (PIPA). A qualified Property Investment Advisor (QPIA), Ben holds a Real Estate Agency License (QLD), a Diploma of Finance and Mortgage Broking Management, a Diploma of Business and has become one of Australiaโ€™s leading experts in property investing for wealth creation.

 

(People watching/reading this should be reminded this is an opinion comment by Ben Kingsley, and should not be used when making decisions about financial matters without seeking further clarification and understanding of your own personal circumstances. This article is not advice you should rely upon. We recommend you to speak to a licensed professionals before taking any action with your financial affairs)

031 (Part 2) | Checklist to Getting A Great Property Manager – Chat with Carolyn Wright

In this second part of Episode 31 with Carolyn Wright from Your Property Manager, we look at one of our listeners’ question on managing rental through the property manager, what to expect and how to deal with queries for maintenance.

As mentioned in Part 1, getting a good or bad property manager can make a big impact on your wealth position but what are the characteristics of a good property manager? Our hostsย  and Carolyn list out some of the key roles that a property manager should be doing and what kind of expectations investor should have when finding one. The first tip on this part is setting up the right rental rates. Property managers are in the market all the time, meeting both investors and tenants and having access to tools that provide those data. A good property manager will know what rate to list your property at that would make sure you get a fair market value and minimise your vacancy rate. Listen to this podcast to find out the rest of the checklist.

 

Free resources mentioned in this podcast:

 

If you like this podcast: “Checklist to Getting A Great Property Manager – Chat with Carolyn Wright”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

031 (Part 1) | Story of an Investor and Lessons Learnt along the Way – Chat with Carolyn Wright

This week on the Property Couch, we’ve invited Carolyn Wright from Your Property Manager to talk about her own personal experience as a property investor. Bryce and Ben will also be sharing the lessons that most property investors learn along the way, particularly during the post purchase process.

Episode 031 (Part 1) | Story of an Investor and Lessons Learnt along the Way - Chat with Carolyn WrightGetting a property portfolio plan and buying an investment property is only half of the whole journey. At the end of the day, if tenants aren’t moving in, then you could potentially be facing a fair amount of out-of-pocket expenses. That is why having a property manager and understanding the process that they go through is important. Unfortunately, a lot of investors feel otherwise. Start listening to this podcast to find out what our hosts and Carolyn have gone through both as property investors themselves and in their professional role.

 

>> Episode 031 (Part 2) | – Checklist to Getting A Great Property Manager

 

If you like this podcast: “Story of an Investor and Investing Lessons Learnt along the Way – Chat with Carolyn Wright”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

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