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Episode 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/

Episode 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/

Episode 025 | Q&A – High LVR, Capital Gains Tax, Cross Collateralisation and SMSF Property

Its Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

  • High Loan to Value Ratio (LVR) question from Andy : As a relatively new investor, would you recommend gearing as many of my initial purchases at 90-95% LVR as possible to help get ahead early on and do you foresee a lot of the banks starting to restrict this type of lending going forward with the interest rates currently so low. If you do recommend it, how do we best manage the risk for the first few years until the properties grow and loans come down to the 80% mark?
  • The Property Couch - Property investing podcast - smsf propertyCapital Gain Tax (CGT) question from Paul : It would be great if an episode could cover “capital gain tax“. I have recently had to sell an investment property due to lifestyle decision but didn’t incur any charges as it was my first place. In future if I have to sell to upgrade to a bigger investment It would be great to know the CGT laws in each state.
  • Cross Collaterisation from Andrew : In recent Episode 20 you touched on cross collateralisation and while it is not the best option, I  was wondering if you could expand on where you might need to use, why you would use it, to what extent would you use it and how would you un-cross collateralise your portfolio?
  • SMSF and Property from Billy : I’m interested in using a Self Managed Super Fund to invest my super in property. I’d like to hear your opinions on this subject. Would you recommend SMSF Property or not?

 

For access to The Property Couch’s media kit, please email us here: info@thepropertycouch.com.au.

 

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/

Episode 017 | Who’s Your Personal Banker?

TPC Ep 17 - TipsThis time on The Property Couch, Bryce Holdaway and Ben Kingsley drilled down a little bit more on one of the Four Pillars of Mastery: Borrowing Power.

The theory of getting your finance right is to think about two to three properties or loans in advance whilst you are setting up the current one. But a lot of people won’t be able to do that simply because they don’t have the knowledge or experience to do so. Instead, they go to a bank or lender and hope that the banker will sort it out for them. They assumed that the person they dealt with will be their personal banker.  But that’s not necessarily true. The banker works for the bank and probably doesn’t have the capacity to conduct a thorough analysis on your loan strategy and structure. It’s something like going to the GP and asking them to perform a knee surgery. You wouldn’t do that. Listen to this podcast to find out who Bryce and Ben thinks should be your personal banker instead. They will also be discussing about cross-securitisation, stand alone lending and more.

 

Resources mentioned in this podcast:

 

If you like this podcast: “Who’s Your Personal Banker?”, 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/

7 Common Mistakes When Selecting A Property Loan

The Property Couch Free report 7 common mistakes people make when choosing a loan - Structuring and strategy 2Whether it’s your very first home loan, your first investment property loan or maybe even a refinance of an existing loan, the decision you make about what lender and what loan product you choose carries a significant financial impact on you, so you need to get it right. As promised in Episode 17 | Who’s Your Personal Banker?, this special report is about ensuring that those of you just starting out, or those of you who need your financial affairs brought back into order, don’t make any common mistakes.

Click on the report to start downloading it.

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