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Episode 308 | Pain & Gain: The Wealth Effect & The Housing Affordability Debate – Chat with Eliza Owen from CoreLogic

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When it comes to the current property market… WHERE is the Profit being made? And, just as importantly, WHERE are the Losses happening?

‘Cos let’s be honest folks… it’s been quite the year indeed!! But it looks like we’ve finally reached a turning point in the market…

So, here to discuss the latest housing trends and data coming out from the property market is a very, very special guest and someone who definitely knows her stuff when it comes to property, economics and a big issue almost all first homebuyers face… something called “housing affordability”!

Introducing today’s huge guest… Eliza Owen is Head of Australian Research at CoreLogic! She has a first class honours degree in economics from the University of Sydney and has been a regular economic commentator on FBI Radio and guest speaker on Triple J’s Hack, 702 ABC Radio, Sky News and TEDxSydney! Not to mention, she’s also provided comment for many media outlets including The Guardian Australia, the Australian Financial Review, Pedestrian TV, the Daily Telegraph and plenty more!

PLUS, on top of her first-class knowledge bank, guess what Eliza’s also brought with her today?!

… Nonother than CoreLogic’s most recent Pain & Gain Report – that is, the Quarterly Report that unpacks (in a whole lot of detail!) how different properties, regions and cities are performing across the country. Yep… this includes exactly WHERE the profit and loss is occurring!

So, ready to dive in?!

Listen now to get the latest insights into the Australian property market, including where there’s “Pain” and “Gain”… AND get the tour into The Wealth Effect and The Housing Affordability Debate!

 

P.S. The Pies got slammed last week. Poor Ben. (kinda)

 

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Here’s a bit of what we cover…

 

 

RBA October 2020 – Is Australia An Economy on the Mend?

By in Podcast, RBA Announcement

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It’s a big day today! With the RBA Board just announcing the October’s cash rate and the Federal Budget at 7:30pm AEDT tonight! 

So here’s Ben’s update on what’s happening to property markets around the world and in Australia.

 

Plus, Ben also includes his latest news and commentary on…

 

 

And of course… Additional Helpful Resources on COVID-19

National Update: Click here

State Update:

 

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.

 

 

 

DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.

The Property Couch, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

For more information, please visit: http://thepropertycouch.com.au

 

 

 

 

 

 

306 | The Game of Loans: How To Find & Finance An Investment Property

By in Podcast, Q&A

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How do property investors Find and Finance their investment properties?

Let’s face it: Asset Selection (aka finding the property) and Borrowing Power (aka financing the property) are two of our Four Pillars of Mastery for a reason… they’re crucial!

So with this in mind, how do property investors make sure they get these two things right?

Well, that’s where today’s episode comes in. We’re unpacking heaps of listener questions on these two topics so you get the insider’s guide into what to buy and how to set up your loan structure and strategy correctly!

We’ve dubbed it “The Game of Loans” and we think there’s quite a few takeaways in here, and even a few bits of gold we’ve never discussed before…

Listen now so you can learn how to find and finance your assets!

 

Free Stuff

 

The Questions

Question about “Investing in Victoria During COVID-19” from Trav:
Hi, gents, just a quick one. I haven’t yet mustered up the courage to do any investment in property. I’m looking to do my first one, hopefully within the next six months. And just want to get your views on the current environment here in Victoria. And if you think it’s a good time to invest in Victoria, the area that I’m looking at is Chelsea, down by the beach there, close to train line three bedroom, townhouse, one bathroom, own title, nobody corporate in a secure, parking area. I tick all those boxes that you guys talk about. I have low debt, zero debt effectively. I own my own property. I’m in a secure government style job around the 120K Mark and regular high-rises, and I’m quite a good money manager, yet to do the last little part of my structure. And that is obviously getting in touch with a good savvy mortgage broker rather who’s savvy around investments. So I just, your thoughts on that and let me know, keep up the good work and I hope to hear from you, sir. Bye.

 

Question about “Closer In And Smaller or Further Out And Bigger” from Violet:
Hi, Bryce and Ben we’ve been conditionally approved for our first home to the value of $750,000. We live in the North Eastern suburbs of Melbourne way. Wondering whether we should buy a two bedroom property with the potential to add an extra bedroom, which definitely needs a little bit of work, but we can get in for, you know, under $600,000 we believe, or if we should max out budget right up to the $750,000 and get a house that needs very little work and already has three bedrooms, which would be the best option here?

 

Question From Tom:
Hi Bryce and Ben, I’d just like to ask a question regarding timing on principal and interest payments on an investment property. We currently have four investment properties, which are all interest only payments. We still plan to purchase another one or two properties in the future. We’ve recently just refinanced our investment properties to take that to maximum borrowing. And we drew the equity to purchase our primary place of residence. That primary place of residence has an offset account. The old wages and our rental income goes into. I’d just like to know at what time do the investment properties turn from interest only to principal and interest repayments? Thank you.

 

Question From Shashank:
Hi Ben and Bryce, my name is Shashank Pande, and I’m based in Adelaide. I’ve been a regular listener of your podcast and would like to thank you for the amazing knowledge share and experience share that you do for the wider community. My question relates to auctions and my question is about the feasibility of an auction, from a seller’s perspective, in getting the best price for the seller, because it’s predicated on the reserve price for the seller, which is the lowest price that the seller would sell the property for and not on finding the highest bidder for the property. So I just wanted to get your views on whether an auction is the best for the seller to sell a house. Thanks, Bye.

 

 

 

 

 

302 | Back To The Future: Lessons From 50 Years At The Top Of His Game – Chat with Scott Keck

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Want to hear from an Expert Witness who has been observing and analysing the property market for over FIFTY years? And what if they also happen to be a highly regarded industry professional who’s literally been valuing the price of property for more than five decades…?

… you’d probably get a bucket load of invaluable intel, right?

Well, let’s put it this way… the gold from today’s guest is well worth a king’s ransom! One of our favourite episodes yet – and you’re about to hear from someone who’s property knowledge is off the charts and who, let’s face it, we’ve been admiring from afar for years!

Welcome to the couch… Scott Keck!

Scott Keck is Chairman of Charter Keck Cramer, a leading Australian independent, strategic property consulting firm. Scott has more than 50 years property valuation experience within the Melbourne market, having begun with the firm in 1968, becoming a Director in 1978, Managing Director in 1984 and Chairman in 2010. He is considered one of the best and most high-profile valuer.

He is frequently engaged as a senior negotiator in complex commercial and statutory issues related to the property market and for advice in relation to large portfolio valuations for major statutory and private corporations.

And get this… in the last eight years alone he published over 500 articles on the property market!!

So, what can we ALL learn from someone who’s been in the market before we were even born???

 

Free Stuff

 

Here’s What We Cover…

(FYI: so much! This is practically a property masterclass 🙌)

  • So… what does someone who has over fifty years’ experience have to say about the property market??
  • Scott’s views on property as an investment
  • What’s changed over the decades? (Design styles, construction materials, floorplans, the use of space etc, the urban sprawl, density etc, etc)
  • What does this tell us about buyer demand?
  • Very Important Observations About Humans and Property Over 50+ Years!
  • What (if anything) has been consistent with the property market?
  • What’s the most interesting property Scott has ever had to value?
  • Post COVID-19, what does the residential property market look like?
  • What would prevent/impact this from happening?
  • Is it likely that people will want to continue living in capital cities moving forward?
  • Why will the “four pronged strategy” to get the economy moving again influence the price of property?
  • How on earth will population DOUBLE over the next 40-50 years?
  • And what will the property market look like to cater for this demand?
  • For investment purposes, how many bedrooms should a townhouse have?
  • Why do Off The Plan’s almost always outperform?
  • A deep dive into Off The Plan numbers: Why you’re in trouble before the house is even built!
  • What will the future of Melbourne look like? And will this now change with COVID-19?

 

“For every two people that come we need a new dwelling” – Scott Keck

 

 

 

 

 

RBA Sept 2020 – Have we reached a Turning Point in the Property Market?

By in Podcast, RBA Announcement

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It’s the first Tuesday of the month… which means the RBA Board has met and announced the official cash rate!

This video features September’s cash rate update, and because it’s also the first day of Spring, Ben is also giving you a special update on what’s happening to property markets in the developed world now that their economies are opening back up…

What’s discussed in this Update?

  • The US — “The Divided Nation” + how their property market is performing
  • China — Potential for a further rate cut + the property market update
  • United Kingdom — The economic and property story
  • New Zealand — The REINZ house price index + property sentiment
  • What this means for Australia… right now + moving forward!

 

Plus, Ben also includes his latest news and commentary on…

 

 

And of course… Additional Helpful Resources on COVID-19

National Update: Click here

State Update:

 

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.

 

 

 

DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.

The Property Couch, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

For more information, please visit: http://thepropertycouch.com.au

 

 

 

 

 

 

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