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Episode 180 | Building A Portfolio in a Changing Market – LIVE Q & A in Melbourne

The Australian property market collapsing. Housing market under the pump. Melbourne’s property downfall. House sales hit new low…

… folks, with headlines like these, we may as well call it a day, bid you farewell in a foreign language like old times, and exchange the ol’ investor returns for an earlier-than-planned retirement!

Wait, why would we say such a thing?

Well, you might’ve noticed — the market’s corrected and it’s making a LOT of folks out there nervous! And why shouldn’t it?

You don’t want to fork out the big bucks (probably the most you’ve ever spent) on a property that’s going to end in little-to-no return come market crash, right? Not to mention, you don’t want this said “investment” to wind up in an economic tsunami, which by the way, WILL happen when life follows the fate of a catchy news headline.

So… is that what’s really what’s happening here? Is the market seriously “bottoming out”… because, as far as we see it folks, we’re sitting pretty happy where we are!

BUT for the record folks, there ARE things you need to keep in mind come a market correction (whether you’re a current investor or just getting started)… so, what do you need to know?

We shared all of the exclusive hacks and current market news in our Melbourne LIVE Podcast last week… and we’re bringing the love to you right now!

 

Before we get into what you can expect out of today’s show, just a few quick shout-outs…

Are you coming to see us at the Melbourne Property Buyer’s Expo??

GET YOUR FREE TICKET NOW – Listener Discount Code: COUCH

Yep, if you want to learn heaps more about property investing, meet us and leave your wallet at home (in other words: spend ZERO money)… you should come and see us at the Melbourne Property Buyers Expo!

  • Saturday, 12:30 PM – Ben on How to achieve financial peace with five properties or less!
  • Saturday, 2:30 PM – The Property Couch with Greville Prabst, Executive Chairman of WBP Property Group and Judge on Nine Network’s The Block.
  • Sunday, 10:00 AM – Special Length Masterclass – Ben and Bryce with Special Guest to talk about Buying your First Home / Investment Property
  • Sunday, 12:30 PM – Bryce on 7 Ways to Build a Property Portfolio in a Changing Market
  • >> Learn more about each of the session here!

And…

 

Property Investors Council of Australia (PICA) is COMING TO YOU. Well, provided you live in Melbourne or Sydney! Meet and Greet includes a Q&A Session followed by a brief networking session. And old mate (and Chair of PICA) Ben Kingsley will be hosting!

Meet and Greet Sydney
Thursday 12 July 6:45PM – 8:30PM
GET FREE SYDNEY TICKET: PICA’s Meet and Greet

Meet and Greet Melbourne
Thursday 19 July 6:00PM – 8:00PM
GET FREE MELBOURNE TICKET: PICA’s Meet and Greet

 

BACK TO TODAY’S SHOW… What’s behind the headlines??

 

 

 

Property Market Swingers Report | April 2018

Ever wondered if a certain city has reached its peak, or if another has finally bottomed? Well, we’ve calculated the average LocationScore for Australia’s 20 most significant urban areas over the last 3 years.

Now you can see which macro markets are swinging up or down. LocationScore is a mark out of 100 for the level of demand relative to supply in a residential property market. The higher demand is with respect to supply, the higher the LocationScore.

 

Free resources: LocationScore Market Swinger Report - April 2018

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ps: We’ve got heaps of other Free Resources on the site! Make sure to check them all out here.

 

 

Episode 169 | Alan Oster – NAB’s Group Chief Economist – on Interest-Rate Rise, Tax Cut and The Future of Residential Property

Let’s get down to business, folks! Today we’re tackling the past, present and future of Australia’s economy…

And who better to help us out than Alan Oster, Group Chief Economist of the National Australia Bank (NAB)!

Alan sure knows his stuff, folks — as Group Chief Economist, Alan is responsible for NAB’s global economic and financial forecasts. Not to mention, before he started at NAB (which was in 1992, mind you), he worked as Senior Adviser in Treasury specialising in economic forecasting and modelling for an impressive 15 years. Oh, and in 1987 he was seconded for nearly four years as Counsellor-Economic and Financial with Australia’s delegation to the Organisation for Economic Co-operation and Development — OECD — in Paris.

Yes, he’s definitely the man you want to speak to if you’ve got a question about Australia’s economy!

 

Hold on to your seat folks cause here’s what you’re in for:

  • Where is the economy going in the next 12 – 18 months?
  • Rather than mortgage stress, what’s the number one issue at present?
  • What’s going to happen, on average, to house prices?
  • Will your wage increase any time soon?
  • Federal Budget 2018: What’s in store and will we see tax cuts?
  • Who will struggle most with postcode restrictions?
  • What needs to happen to benefit the economy?
  • Is the Australian economy going to be better or worse?
  • How do foreign buyers and the Chinese market fit in?
  • Will APRA keep tightening the lending regulations?
  • When’s the cash rate likely going to increase?
  • Is inflation on the rise?
  • What’s in store for interest-only loans?
  • What’s happening in the US with the 10-year bond rates?
  • Why do banks care about outer city living and inner city living?
  • Is the demand in Sydney and Melbourne slowing?
  • What’s the riskiest sector should unemployment starts to rise?
  • What’s the difference between “the bricks” and the “the clicks”?
  • What do banks ALWAYS look for before handing out loans?
  • Who owns most of the apartments in the capital cities and what are his thoughts on the future of the apartment market?
  • What about the second-tier cities (Brisbane, Adelaide etc.)
  • Which states are having the fastest rental growth?
  • Is Perth now an investment-grade location?
  • Where would Alan invest his money?
  • What happened when then Treasurer Paul Keating removed negative gearing?
  • What will be the economic impact and consequences if negative gearing is removed again at the current time?
  • How should we tackle housing affordability?

 

p.s. Looking for the special reports mentioned in today’s show?

 

Season 3 is out! The Property Couch + RealEstate.com.au

Season 3 is back in full force

Alright folks, here we go again! With over 831,900 views in the previous two seasons we are aiming for big stuff this time around! This season is all about the numbers and recent changes in the Australian Property Market so make sure to tune in and find out more!

Here we go!

 

And of course, here are the trailers!


 

Here are all the episodes from previous seasons!:

Season 2:

  • Investing in property can help you retire comfortably | Watch here >>
  • Need a home loan? Here are the 5 Cs the banks looks for  | Watch here >>
  • What makes for an investment grade property? | Watch here >>
  • The other “C” in property! What and How do you compromise on what you want? | Watch here >>
  • The 4 ways you’ll pay as a property investor? | Watch here >>

Season 1:

 

We’d love any feedback or suggestions on which videos you’d love to see! So get in touch with us here: info@thepropertycouch.com.au.

 

All the best,

Bryce, Ben and Stiggy

 

 

Episode 165 | Royal Commission’s Role in the Lending Sector and Q&A on Improving Loan Serviceability, Sell v Hold Strategy and Investing in Shares

Just a heads up, folks: we’re tackling a couple of serious topics today!

Because, not only are we diving into the world of the Banking Royal Commission (and what they do), we’re also answering a few voicemail messages about how to best service your loan, what to look out for if you considering investing in shares and having a crack at the million dollar question: should you sell or hold??

Yep, Ben will be donning on his Chair of PICA hat to address some of these topics, especially when it comes to choosing your mortgage broker wisely and making sure, as property investors our assets and financial wellbeing are well protected!

 

As part of this, we will be dropping the “F” word… Fraud.

It should go without saying, DON’T go there… but if you find yourself taking dodgy advice, you could find yourself in boiling water too. And remember — for the folks that haven’t signed up yet — you can get an individual Membership of PICA for as little as $5 to lobby government regulations and help us get rid of the “bad eggs” and spruikers responsible!

 

So, let’s jump into the SpeakPipe Q’s:

Question from Nick (from New Zealand) about Selling or Holding a House and Land Package:

I purchased a house and land package in Landsdale, Perth in 2012. It’s next to the parks, next to the school; it’s a beautiful place with nice places around it — should I play the long game and hold onto it? Or should I look at selling it & placing my money elsewhere? It’s cash flow neutral, so it’s not costing me anything. It’s rented out, I’m paying the debt down through my own cash flow… the only other thing is, I’m at university so if I sell it, I won’t be able to get another place — I wouldn’t be able to get a mortgage — for 2 years until I graduate. I know it’s a million dollar question — but should I sell it or hold it?

 

Question from Will about serviceability concerns with current lending regulations:

We’ve got a current portfolio of currently 3 properties, looking to buy our 4th and final property in late 2018. I’m a little bit concerned about serviceability since the new APRA rules? have been brought in with the big banks. I was wondering if there were any practical things we could do to improve our serviceability? The second part to the question: Is there anything we can do to increase serviceability with second-tier lenders and third tier lenders?

 

Question about shares from Jamie:

Through your podcast, Rich Dad, Poor Dad. In the book, it talks about using shares to raise a deposit to purchase property. I was wondering if you were aware of any podcasts or books or any other resources that are similar to your own podcast but talk about trading shares? It’s something that is less tangible than property and I have a harder time understanding it.

 

p.s. Make sure to check out PICA’s website: www.pica.asn.au

p.p.s. And the video that we talked about is called, Becoming Warren Buffet.

 

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