Episode 164 | Q&A – How to Avoid Poor Loan Structure

It’s Q & A Day, folks!!

Off the back of last night’s webinar, “7 Deadly Sins of Building a Property Portfolio” we’ve got plenty of questions leftover that we reckon are going to help you with ALL THINGS LOANS and INVESTMENT LENDING!!!

Before it kicks off though … we’ve got a BIG announcement (well, big news for Bryce!!)… so make sure you keep an ear out!

So, we’ve got SIX questions to get through, which will help you in avoiding poor loan structure and more importantly, your planning stage of building a property portfolio!


Question from Mark:

I have a PPR mortgaged at the moment, as does my girlfriend. We wish in the future to turn both into investment properties and buy a further property to live in long term. Should we be spending money doing any works to the properties that we currently live in? Or should we spend the bare minimum and save every cent for our “together” house?


Question from Laudy:

I thought they’d changed the PPR loans and didn’t allow interest only loans anymore — how can this be done?


Question from Dean

Can you use equity in your investment properties to wipe out your PPR mortgage?


Question from Chris:

I understand the concept of “tapping into property 1’s equity” but HOW do we do it? Is a Line of Credit an appropriate method? Is this with the same bank or a different bank? Thanks guys, appreciate the help!


Question from Matt:

In the case studies it shows the debt on investment properties being paid off over time. When do you switch from IO to P&I? Should you refinance after 5 years to extend IO period as long as possible or switch to P&I when your cash flow allows?


Question from Shanki:

Regarding loan structure, can I use the equity from 1 property to pay the deposit for 2 separate investment properties? Is it similar to collateral?



p.s. Here are all the links for today’s podcast!




Episode 163 | Infrastructure: What’s the Game Changer for Property?

We’re going off the cuff today, folks! Yep, there’s been no prep behind this podcast… BUT we guarantee it’s still going to be golden!

Why?? It all started (yesterday) when Ben created a little pop quiz for the staff at our company… and his question is:

What is the No.1 infrastructure needed to grow property prices?

Based on the banter that spread through our office, the answer might also surprise you!!
So, let’s drill it down to these two points:

  1. How are megacities built?
  2. What’s the connection between infrastructure and property prices?


Here’s the deal:


Stick around for Ben’s Did You Know … you’ll find out the projected population growth for Australia’s cities (this might influence where you invest!)

Missed our Facebook Live yesterday?

We announced a Free Live Webinar — The 7 Deadly Sins of Building a Property Portfolio: The hidden habits undermining your success (and how you can overcome them)”!

You can register for the Live Webinar here.


P.S. This episode’s a true glimpse of what an overheard convo between Bryce and Ben sounds like! Gold!!!!



Episode 162 | Q&A – Second-tier Lenders, Brisbane’s units market and the order in Investment Assumptions (PLUS a special appearance from Jeremy Sheppard)

We have a couple of treats in store for you today, folks!!

Not only is it Q & A Day — we know: it seems like forever since we had one, and we love ‘em!! — we’ve also created A BRAND NEW SEGMENT, which is kicking off on the Couch TODAY.

Yep. Think property markets. Think sneak peak. Think data!

Actually, speaking of data, joining us for a portion of today’s episode (hint, hint) is Jeremy Sheppard! He’s our other third of LocationScore.com.au and the pioneer of the DSR Formula, which collects, analyses and researches the level of supply and demand across every market and 15,000 suburbs in Australia!

(You would have heard his insights back on Episode 125 | Everything You Need to Know about Picking the Next Hotspot — Chat with Jeremy Sheppard or on our last Facebook Live!)


…. What will be covered from today’s questions?

  • Should you invest in a Brisbane unit?
  • What are the pros and cons of second-tier lenders?
  • Are the assumptions about property investing making you confused?

Alright folks, before we kick off the questions, you’ll notice soon that all of them are voice recorded messages! Yep, we’re officially prioritising all of our questions that come in through our SpeakPipe widget! So leave us a quick, 60 second voicemail here!


Question about Investment Assumptions from Matthew:

“I’m wondering if you guys can take a moment and reflect on the investment assumptions in property, particularly on stuff like, “Hey, you should always buy in this order for capital gains: you should by a free standing house, and then a townhouse or a free standing house and a duplex and a townhouse and an apartment”… all of these investment based assumptions, which are general rules of investing in property. It’d be good to examine when they’re true and when they’re not true with different cases. I look forward to your answer. Cheers guys!”


Question about Investing in Brisbane Units from Pia:

“I’m a 31 year-old single woman from Brisbane with a budget of $360,000. My question is about the Brisbane unit market.
My priority is investment and I’m open when it comes to the location or type of property I purchase, but ideally I’d like to buy a place I can live in for the short to medium term, and a Brisbane unit is the best fit in that regard. I’ve been looking a 2br, 1 – 2 bathroom units in a 3 – 10km radius of the city in older boutique blocks. I’ve heard all of the warnings about the oversupply of apartments in the Brisbane market at the moment, but I’m wondering if this is the time when “Others are fearful and I should be greedy”? Where do you think we are in the market cycle? Are Brisbane units about to go up in value or are we still looking at another couple of years of downward or flat growth?


Question about Second-tier Lenders from James:

“My question is there have been a lot of media articles and posts around lenders outside of the big four banks, or second-tier lenders…. What are the Pros and Cons of using these lenders?”



And our chat with Jeremy Sheppard?

  • Why there’s not much data in January?
  • Recapping what is Online Search Interest and should investors be worry about the impact the season would have on the property market?
  • What’s the BIG NEWS on Perth??
  • Auction Clearance Rates and who are the outperformers and underperformers in this cycle?
  • How’s the month to month trend for each of the state?
  • What does Adelaide and Gold Coast’s property market trend have in common?
  • How about Days on Market data for February 2018?


P.S. Leave us a Voicemail Message here.

P.P.S. Want to find the best locations to invest in? REGISTER FOR A FREE WEBINAR here!



Episode 161 | How to Buy Property Like a Pro – Chat with Veronica Morgan

Want to know how to bag an A grade asset? How about scoring the inside tips Buyers Agents use? If you’re keen to buy property like a pro, today is the show for you!

That’s right, folks! We’re getting down to the nitty gritties of buying… how to nail an auction sale, how not to overspend (very important) and how to think like you’ve been in the game for decades.

Plus, we’re diving into the Sydney property market, picking up some sunken treasures so you can discover the latest, the greatest and the mistakes to avoid!

Joining us is Veronica Morgan — you might recognise her from Foxtel’s Lifestyle Channel, Location Location Location Australia in the days of co-hosting with Bryce — who is the Founder and Principal of Good Deeds Property Buyers, a property buying services specialising the Sydney market. To boot, Veronica is also a QPIA, a clever property investor and key note speaker, industry writer and a repeat guest on the Couch!


So, let’s get take a microscopic view of what a reputed Buyers Agent sees (and does) every single day:


Want to hear more from Veronica? Check out Episode 76 | Building a property portfolio after the boom!

Also, make sure you check out our Facebook Live sessions! They’re Q&A Style & only 15 minutes Folks!!



Episode 160 | The Power of Vulnerability when Looking for Advice – Chat with Karla

We’re getting real on the Couch today, folks. So if you’re in the mood for some solid learning, serious authenticity and a powerful view into what it’s like to be on the chair opposite us (or any other professional advisor), today is YOUR Day!

Because in this episode we are introducing a very, very special guest (in more ways than one)…. someone who has personally reached out, sat down and met with one of our advisors…. Karla C.

Except Karla…. she didn’t like what we had to say!


Well, this is where the power of vulnerability comes in………


[Two words that come to mind: “Profound change.”]

Full disclosure: We normally avoid mentioning our company, folks….. but we’re huge believers in Karla’s story and its benefit to you is too great for us to hold back! Plus, Karla’s “tell all” is a gift needed for life, not just property investment.


Before we unfold the layers of vulnerability though, just a little shout out to those of you WHO LIVE IN SYDNEY & WANT TO WORK WITH US! We’re after experienced Property Investment Advisors, Mortgage Brokers, Financial Planners and, just maybe, Accountants! So if you’re all about helping others, influencing positive and profound change to people’s lives, and the idea of a challenging and rewarding role makes you ticklish with excitement ….. wow us with your resume & cover letter here!


You’re going to hear:


p.s. Really want to learn more about the service that the guys were chatting about? Click here to learn more about Empower Wealth’s Property Investment Advice services.




Episode 159 | From Anti-depressants to Airbnb – Chat with Emily Hazell, Founder of Serotonin Eatery

Feel Good February is even better with a Feel Good Podcast, folks! So, that’s exactly what we’ve got in store for you today: The episode to get rid of the “mood funk” 🙂
In other words: it’s a mindset, business success and property story all rolled into one holistic show!

If that doesn’t make you feel good, our guest, Emily Hazell of Serotonin Eatery, Exercise and Education will give you the fresh tips to get there!

To clear any confusion: Serotonin is often referred to asThe Happiness Hormone.”

Emily, with a Double Degree in Architecture and Graphic Design behind her, is the founder of the world’s first Happiness Centre — an eatery with an entire menu and physical space designed to increase your serotonin levels! … but Emily didn’t get this idea from being happy — she’d struggled with mood swings, depression and anxiety in her earlier years, and sourced a natural solution that wouldn’t require a prescription.


How does the property investment stuff fit in?

Listen to find out. (And learn how Emily saved $500 every week for 10 years!)



*** We’re doing Facebook Live Q&A! They run for 15 minutes, either on your lunch break or on your commute home. Download our Money Smarts to be notified when they’re happening. ***


So, what can you learn from today’s show?

  • How can you stabilise your health and mood with serotonin and increase overall happiness?
  • What are the challenges and lessons learnt along the way when starting a business?
  • How did the power of investing fund her business?
  • Why are your habits that are stopping you from “getting things done”?
  • How did Emily nail asset selection and apply it to her business?
  • What little things can you do to increase your serotonin levels?
  • Why is knowing your “personal mission” important for mastering your mindset?
  • The power of turning a negative into a positive!
  • Lifestyle drivers and how that relates to suburb gentrification
  • How can investing in a financial planner grow your money?
  • Is investing in Airbnb a good investment?
  • What are the challenges and innovations of investing in Airbnb
  • What do you need to know about goal-setting and planning?
  • Are you doing something now that is a “tax on tomorrow’s happiness”?
  • How do you back yourself?
  • Why do you need to get a network and support behind you, even if you’re going it alone?


Looking for the rest of the Serotonin Formula that Emily mentioned on the show? Click here to find out more!





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