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Episode 148 | Q&A WITH TWO GUESTS! Why We Support Movember, Where is Australia’s Best Performing Markets and What You Should Be Buying Now

Alright, folks …. This is a jam-packed episode!! 2 GUESTS, Q & A and some big announcements! So, where do we start?

First up … We have reached our Movember target of $10,000 big ones! A massive shout out to those who have donated, and a little reminder for those who haven’t done so yet: Donate $25 or more and get a FREE book! If we hit $11,000 Bryce will do his own Webinar TOO!!

(Ben’s webinar is coming up soon! You can access his Principle and Interest versus Interest Only Webinar AND his Working Out Your Retirement Shortfall Webinar by Downloading our Money SMARTS SYSTEM here.)

 

Speaking of Movember, our first guest is Sam Gledhill. He’s the Global Action Plan (GAP) Program Manager at Movember and he has some seriously interesting (not to mention seriously important) stuff to share with you! With a background in nuclear medicine technology — having been with the Foundation since 2012 and now responsible for the overall investments in Testicular Cancer — Sam will explain exactly why your donation is, literally, lifesaving.

 

Secondly, it’s Q&A day AND we have another guest! Not only are we answering your voicemail messages, but also we’ve bought LocationScore’s director (and data nutcase), Jeremy Sheppard, back to The Couch! This time Jeremy will to tell you the supply and demand for each State and Territory, including the one showing the highest potential for capital growth.

 

Here’s a snapshot on what we’ll be chatting about today:

 

First Voicemail (SpeakPipe) from “Anonymous”:

“I’m thinking of using a Buyers Agent to secure an investment property. I’m curious to know if I need to give them a Letter of Authority or a Power of Attorney, or both. Can you please explain the difference, and how I can use them? Thanks!”

 

Second Voicemail (SpeakPipe) from Stuart:

“Hi guys, great podcast. I’ve spent the last year listening to your podcast trying to get as many tips and advice about my property investment journey, which I’ll hopefully embark on very soon. Bit of a ‘spanner in the works’ though — I’d always envisioned starting out with maybe a 1 bedroom, around $300,000 – $400,000, maybe as a borderless investor (I currently live in Victoria). But our current house that we owner-occupy is looking a bit too small for us … my wife has proposed the question that we look at buying a bigger property. So the key to the question is, What are your thoughts on your first rental property actually being the one you currently occupy? I know you guys like detail, so I’ll shoot through to this: Currently it’s a 3 bedroom, 2 bathroom property in Chelsea, Victoria about 17 – 20 minutes from the train station and the beach. We bought it for about $505,000 in 2013, we owe $467,000 on it, we pay interest-only — about $1500 a month — and I think it’s worth about $650,000. So I’m really interested to know: what are your thoughts on a 3bd, 2bath house in Chelsea becoming our first rental investment? It’s not really what I’d mapped out listening to your podcast, but we’d probably have to buy a bigger, 4bd in Chelsea/Bonbeach area & I just want to see if this is a viable option in your opinion? I look forward to hearing your thoughts! Thanks!”

 

Third Voicemail (SpeakPipe) from Nicole:

“I’m from Canberra, woo! Looking at buying our 3rd property (1 PPOR and 2 IP). We’re looking at investing in a 1 br unit, which is 41 sqm in an old 1970s building, 5 km from CBD. It’s in Canberra, I’m aware of the land tax). $200,000 property with a $300 week yield. Husband can renovate it, which I think out ways the land tax issue. Question about banks’ lending money to under 50sqm. There seems to be banks that will lend these days, but going forward if we were to sell this — say in 20 years’ time, if we do sell it — do you think the banks are going to change their lending criteria on smaller places, considering most people, moving forward, will be living in small places? I guess I’m concerned that it’s going to be hard to sell in the future? What are your thoughts on this?”

 

Fourth Voicemail (SpeakPipe) from Nicole:

“My wife and I have about $180K to invest — we’re looking at buying our first home in Brisbane. Trying to choose between paying, which in our eyes is a premium, about the $600K mark for an older 3 bedroom home somewhere closer to the CBD like Moorooka or the convenient location of Mount Gravatt. Or: Paying early to mid $500K and getting a bigger, 4 bedroom home somewhere further away like Underwood or Springwood and using $120K of our deposit, leaving us about $60K towards our next property down the line. Again, it’s our first home, and we don’t plan on living in it forever. We just want to use this purchase as a stepping stone to our next property. To sum it up: Buying a property closer to the city, which will use up most of our deposit, versus by a home further away, leaving us with a good amount of money to jump into the market again down the line. Would love to know what you think.  I know that you say it’s good to be close to the city as a rule of thumb; but I am worried that this will prolong our next purchase considerably. Thanks guys.”

Episode 108 | Five Ways To Improve Affordability

Back in Episode 102, Bryce and Ben discussed if we are facing an affordability issue and when Jan Somers appeared on our show last month, she mentioned that her aunt was also concerned about housing affordability back in the 1950s. Now, with the Federal Budget just a couple of months away, this topic appears yet again, and it seems to be the favourite amongst our politicians.

This time, the debate is about improving affordability for first home buyers. Now, don’t get us wrong. The Property Couch believes in the Great Australian Dream and owning your home. But as mentioned before, your first home will not be luxurious nor will it tick all the criteria of your dream home. This is about setting the right expectation because you would get to your dream home, and you would be able to get that quarter acre house eventually. But it will not happen overnight. You need to work for it, and you need to be smart with your decisions especially when it comes to money and planning for the future. Your first home, may not be your dream home but this does not mean that your second or third home wouldn’t be.

That is why education around property and awareness on the risk of investing in property is so important. This is one of the suggestions that Bryce and Ben chat about to improve affordability in the Australian Property Market. Tune in to find out the rest.

And the other stuff mentioned in this episode are:

  • Has the Way We Look at Financial Stability Changed Since the Global Financial Crisis? – Speech by Michelle Bullock, Assistant Governor (Financial System) of RBA: Listen/Read Here
  • Core Logic’s Pain and Gain Quarterly Report : Download Here
  • Fact Sheet on Guarantor Loan : Download Here
  • Bryce’s video on the four players in the industry is part of the Property Formula video series. If you are interested to watch this, you can Register Here

 

And as always, if you like this episode (Five Ways To Improve Affordability), don’t forget to rate us on our iTunes channel and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Episode 102 | Do We Have A Housing Affordability Issue?

Finally, back in the studio again this week and as mentioned in Ben’s latest RBA’s cash rate announcement video, this episode of the podcast has Bryce and Ben talking about the all time hot debate topic: The Housing Affordability Issue. But before that, we just want to highlight that the podcast has reached another one of our milestone!

1,027,000 DOWNLOADS!

A big thank you to all of our listeners for tuning in! We wouldn’t have been able to achieve this without your support, reviews, feedbacks and all the amazing questions that you’ve sent in! Our next milestone target is 5,000,000 downloads so if you think we are a good bunch of people and the contents are helpful, just let someone else know. 😉

Anyway, back to today’s podcast. Today’s topic is clearly one that Bryce and Ben are both passionate about, as you will hear in this episode. From questioning the ‘affordability’ issue that we are facing, suggestions to help improve this, infrastructure developments that would benefit Australians, the political aspects of urban development and negative gearing, the importance of controlled immigration and population growth, to talking about Money SMARTS and discussing different household configurations; it will be particularly interesting for you all to listen to the different reasons and situations that could affect affordability for anyone, in any part of Australia.

Make sure you don’t miss this episode!

And the other stuff mentioned in this episode are:

 

And as always, if you like this episode (Do We Have A Housing Affordability Issue?), don’t forget to rate us on 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 094 | Which Market to Invest in for 2017? – Chat with Nerida Conisbee, Chief Economist for the REA Group

Keeping to our Summer Series tradition, Bryce and Ben are joined by yet another special guest in today’s episode; Nerida Conisbee – The Chief Economist of The REA Group: now the biggest digital real estate company in the world! With more than 20 years property research experience throughout Asia Pacific, Nerida also appears every Saturday on SkyNews Real Estate program, is an adviser on property market conditions to major Government bodies and has held senior positions within commercial agencies and major consulting firm.

Leveraging on her experience and knowledge in the property industry, the three of them will be chatting about:

  • How are the two capital cities, Sydney and Melbourne performed in 2016 particularly in the apartment market and what’s the outlook for 2017
  • What’s the level of housing affordability for property buyers across Australia
  • Investing habits between Sydney and Melbourne, and how these compare to major cities around the world and the drivers that are slowing down property listing in those two cities
  • Potential changes to the lifestyle trends in Sydney where houses are less affordable for young home buyers and how this would affect Melbourne
  • Research data and methodology in commercial real estate as compared to residential real estate
  • Seeing the GDP drop and finding that balance between the property market being strong and weak; therefore, knowing when the best time to sell is
  • The 2017 outlook for Perth, Brisbane, Hobart, Adelaide, Darwin and Canberra and which market to invest in for 2017

 

We hope you enjoyed this podcast and look forward to hearing your thoughts on the topics brought up! And here’s the site that Nerida mentioned in today’s podcast:

 

If you like this podcast: “Which Market to Invest in for 2017? – Chat with Nerida Conisbee”, don’t forget to rate us on 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/.

Episode 090 | Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless

Today’s episode is special guest day and joining Bryce Holdaway and Ben Kingsley is Australia’s leading property analyst and CoreLogic’s Director of Research, Tim Lawless, who will discuss the future of each state in Australia. Following on from last week’s episode of President-Elect, Donald Trump and the uncertainty his win will have on the market; Bryce, Ben and Tim move on to discuss what the positives to follow are due to the presidential win, even though it’s is still early days.

So in today’s episode, the main areas these three will be talking about are:

  • Tim’s backstory and experience as a property analyst and how he got to where he is today
  • CoreLogic and research methodologies for the monthly reports
  • The potential risk if interest rates rise in Melbourne and Sydney
  • Wealth bases for Hobart, Canberra, Adelaide, Brisbane, Perth and Darwin
  • What the government needs to do to help and stimulate employment for those states that are in decline
  • Trends in population and what this means for Australian property market
  • The uncertainty of Trump’s win and how this has affected the market and what potential effects are to follow

We hope you enjoy this latest post and look forward to hearing your thoughts on the matters brought up…even if it is a response to their thoughts on Kim Kardashian or Kanye West running for the next US election!

And here’s the reports mentioned in today’s podcast:

 

If you like this podcast: “Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless”, don’t forget to rate us on 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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