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Episode 017 | Who’s Your Personal Banker?

TPC Ep 17 - Tips

Did you know, to be a great Property Investor… 

you need to be great in Finance!  

This means you need to understand how to access money, and most importantly, understand how to use Leverage. 

Yep that’s right! And to better understand this concept, we’re drilling down into the Borrowing Power pillar, found in our Four Pillars of Mastery framework 

In theory, investors are supposed to be thinking 2 properties or loans in advance, whilst setting up their current property.  

Of course, the reason we said, in theory, is because most investors simply don’t know how to achieve this as they lack the knowledge and experience.   

So, what happens next?  

Well, unfortunately, they go to the bank hoping that the bank or lender will sort it out for them, but what folks forget is…the banker works for the bank!  

Bankers typically don’t have the capacity to conduct a thorough analysis of all investors’ loan strategies and structures. It’s kinda like going to the GP and asking them to perform knee surgery (not safe or practical!)  

That’s why in today’s episode we’re discussing how to maximise your leverage, the difference between cross-securitisation to stand alone lending (Hint: you should definitely avoid 1 of them)… 

AND why you should choose a specialist over generalist EVERY TIME.  

We’re also looking at the strategy and structure behind good lending and who your personal banker should be!   

Tune in now folks 😊  

 

Free Stuff Mentioned:  

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.  

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.
  • Free Report: 7 Common Mistakes when selecting a Property Loan
  • Beginner’s Guide to Property Investment Webinar

 

Here’s some of the gold we cover…

  • 3:30 – Why property is all about finance!  
  • 4:33 – Why and how Ben started Empower Wealth 
  • 7:44 – Great lending is based on _____ and ______  
  • 9:05 – The motto for using Lenders Mortgage Insurance… 
  • 9:50 – Why “drilling the dream down into a goal” is so important?  
  • 13:30 – The types of plans we build  
  • 14:30 – Cross- collateralisation vs. Standalone lending  
  • 16:10 – Examples of both 
  • 17:53 – Who is the Personal Banker?  
  • 18:35 – Specialist NOT a generalist folks!  
  • 20:05 – What your mortgage broker should look like  
  • 23:00 – What you can achieve if you get this right!  
  • 24:30 – Check out this free report on 7 Common Mistakes When Selecting a Loan!  

 

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.

Beginner’s Guide to Property Investment in Australia – WEBINAR

Apart from Property Investing Podcast, we want to be able to provide you with some visual demonstration on the theories and concept of property investment in Australia. That is why we’ve prepared this Free Webinar: Beginner’s Guide to Property Investment. Investing in Property is a high value transaction and mistakes can be quite costly so make sure you are fully prepared before making any decisions. Register today to learn more.

 

Register for webinar now 2

 

 

 

What will this Webinar cover?

 

Have you ever read an article that says, “We’ve build a $2 million property portfolio in under 5 years!” and thought to yourself, “How did they do it?!”. Well, you are not alone.

Property Investment is a popular choice of building wealth for a number of reasons. But to start building your portfolio is not easy. You need to know a few things:

  • How to start investing?
  • Where should you buy the first one?
  • Apartment or House? New or old?
  • How should you structure your loan?
  • Do you have enough?

Since it is your first time, you need to make sure everything is right. As we always say at Empower Wealth, property is a high value transaction and to screw it up will result in very unfortunate damage and they are often irreversible. So join this free webinar today and make sure you are on the right path!

If you register today, we’ll send you our Money Magazine Cover story: How to Earn $2,500 a week by Building a Property Portfolio.

 

What are the Attendees’ Saying?

Essential viewing for any aspiring property investors, ticks off all the basic requirements prior to entry. – Nick S.

That was great! The webinar and website info is really helping me build my knowledge bank before getting out there! – Michael M.

Really well explained especially for first timers. Great pieces of information provided. – M

 

Register for webinar now 2

 

 

 

 

Episode 016 (Part 2) | The 5 Essential Steps to Property Investing in Australia

Aaand we’re back at it folks!!   

Our first double part episode…ALL IN THE SPACE OF ONE WEEK!  

Yep. That’s how important we believe these two lessons are!!  

So today we’re finishing our “5 Essential Steps to Property Investing in Australia” framework (Of course, if you haven’t already listened to the first part, tune in here) covering the last TWO steps of the process:  

4. Implement (The researching and buying – often what too many people do FIRST in the framework)  

5. Manage (The checking and monitoring of the property each year)  

Ep 16 The Property Couch - 5 Essential Steps to Property Investing in Australia Part 2

Combined, these 5 steps will guide you to effectively and successfully plan and achieve your life goals!  

 AND (in the wise words of Bryce) if you’d like to turn your dream into a goal, our business – Empower Wealth – offers tailored Property Wealth Planning strategies based on YOUR financial and life goals.   

We discuss how these plans work and why they’re important… 

Plus we define the 2 key metrics that Empower Wealth uses to create these insanely accurate financial plans!  

(Did we mention these advanced calculations have been designed by Ben himself??)  

If you’re interested in getting us to help you out with your property journey, check us out here!  

There’s so much gold in this framework finale episode, tune in now folks!  

 

Free Stuff Mentioned:  

  • Ep 3: Cash Flow Management
  • Ep 4: Borrowing Power
  • Ep 5: Asset Selection
  • Ep 6: Defence
  • Episode 016 | (Part 1) The 5 Essential Steps to Property Investing in Australia
  • Check our Empower Wealth’s Property Portfolio Plan
  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics!
  • Here’s what it looks like inside!!

    What to expect in this 90-pages long Cheatsheet? 

    • The Foundational Knowledge in each of the First 20 Episodes
    • The Absolute GOLD that you should not miss out on!
    • Short snippets of quotes from Bryce and Ben that makes all the difference
    • Links to all the Free Resources that they mention in those episodes
    • Additional bonuses that will help you in understanding the Fundamentals more!
    • And of course… Charts and graphs that you can’t find on the podcast!

     

    Interested? Fill in the form below and we’ll email it to you right away.


    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 0:40 – It’s all strategy and tactics folks… 
  • 1:01 – How can you develop the best investment strategy for you? (And how we can help you!)  
  • 2:48 – The footy equivalent of what we’re teaching  
  • 3:41 – Plan to become, what you plan to become! 
  • 5:39 – What you need to factor into your plans… 
  • 6:38 – This part’s for those folks who want to do their own plan! (How we do it)  
  • 7:50 – Why Ben created Empower Wealth’s simulation software  
  • 9:39 – The #1st Key Metric in Ben’s software 
  • 10:26 – The #2nd Key Metric in Ben’s software (And why it’s so important!)  
  • 12:34 – Step 4 in our framework  
  • 15:50 – Step 5! (What often happens without a plan…)  
  • 17:38 – What happens when you DO have a plan!  
  • 18:18 – Great property investments only require HOW much time?!  
  • 20:31 – We’ve done a…webinar?! Plus a bonus you can get!  

 

Episode 016 (Part 1) | The 5 Essential Steps to Property Investing in Australia

Folks, we think Australia’s school curriculum should include money management and smart investing…  

In fact, we believe so strongly that Aussies need MORE property education, that we’re expanding from our “Four Pillars of Mastery” series… 

(Haven’t listened? You can check it out here!) 

…into the first part of our “5 Essential Steps to Property Investing in Australia” framework!! 

Yep, that’s right folks, we’re giving you yet another free framework that’ll guide you on your professional investing journey!  

Today we’re covering the first 3 steps… 

  1. Clarify (Understanding your financial and personal story, and your properties’ potential)  
  2. Evaluate (This is the art of understanding your cash flow – basically, crunching those numbers)  
  3. Plan (Putting a written plan into place)  

Ep 16 The Property Couch - 5 Essential Steps to Property Investing in Australia

We’re breaking down each section and explaining how you can achieve it, with insider tips that we’ve learned over the past 40 years!   

We’ll also be unpacking the Microscope challenge and listing some real-life examples in action. Tune in now to upgrade your knowledge!  💃 

p.s Make sure you check out the simulator that Ben mentions in this podcast, it’ll seriously help you to achieve these three steps!  

p.p.s  Continue to >> Part 2 of 5 Essential Steps to Property Investing in Australia

 

Free Stuff Mentioned:  

  • Ep 3: Cash Flow Management
  • Ep 4: Borrowing Power
  • Ep 5: Asset Selection
  • Ep 6: Defence
  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics!
  • Here’s what it looks like inside!!

    What to expect in this 90-pages long Cheatsheet? 

    • The Foundational Knowledge in each of the First 20 Episodes
    • The Absolute GOLD that you should not miss out on!
    • Short snippets of quotes from Bryce and Ben that makes all the difference
    • Links to all the Free Resources that they mention in those episodes
    • Additional bonuses that will help you in understanding the Fundamentals more!
    • And of course… Charts and graphs that you can’t find on the podcast!

     

    Interested? Fill in the form below and we’ll email it to you right away.


    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 0:55 – This 80-year-old has an interesting story…. 
  • 3:50 – Why you should start listening The Property Couch from the start!  
  • 5:12 – What we aim to do through this podcast…  
  • 7:00 – People spend THOUSANDS on this (and we’re giving it to you for free!!)  
  • 7:52 – The Microscope challenge property investors face   
  • 8:57 – The smart ones know THIS 
  • 10:00 – Lesson #1: CLARIFY  
  • 12:00 – Begin with the _____ in mind!  
  • 13:35 – Lesson #2: EVALUATE 
  • 14:00 – Why it’s the art of understanding… 
  • 15:45 – Why our simulator is so beneficial 
  • 16:27 – The 3 areas your money MUST cover… 
  • 16:57 – Real case study: Should we invest or buy a family home?  
  • 18:11 – Lesson #3 PLAN  
  • 19:00 – Why you should RUN if a property investment advisor asks you “Have you set up a self-managed super fund?”  
  • 19:35 – An interesting commentary on “solving” property spruikers 

 

Special Note: 

Looking for a Qualified Property Investment Advisor? Use the Search Function on PIPA Website here or get in touch with us!  

Our parent company Empower Wealth is a PIPA Member and all our advisors are QPIAs who are very capable in building a unique and tailored Property Portfolio Plan. You can learn more about our free and no-obligation initial consultation here. 

 

Episode 015 | Case study: Property Investing in Australia

The Property Couch ep 15 Real Life Property Investing in Australia Case Study

While we’ve been sharing tons of wisdom with you over the past few weeks… 

Today we’re putting knowledge into practice with the podcast’s first case study from Aaron, a valued listener of The Property Couch!  

 

Aaron asks:  

“Why do some apartments that seem to tick all the boxes just don’t appreciate in price over time? 🤔 

This block at Brunswick is close to the public transport, schools, cafes and lifestyle but based on the comparable sales, the apartments have only achieved very little, if any, price gain since 2010.  

Your podcast has been saying “Location First, Property Next”, but I’m confused with this property.  

Why is this place so cheap? If it’s because of the property itself, does it mean the location is not always the biggest factor?  

And finally, should investors seriously consider properties like this or stay clear?” 

 

We’re unpacking each question and running through the 3 crucial filters you need to be applying to every property… 

This includes explaining how this property might appear to tick all the boxes, but why it’s actually scoring none!  If you are interested in investing in apartments, check out Episode 7 as well where we talked about investing in One Bedroom and Studio Apartments.

We’ll also be sharing who the #1 person you must impress as a property investor is, and what shine over size means!  

So strap in folks, we’re doing a deep dive into this multi-layered question!   

 

Free Stuff Mentioned:  

 

Here’s some of the gold we cover…

  • 2:15 – The Question  
  • 4:50 – Developers try to sell you on THIS!   
  • 6:20 – How they price these assets   
  • 8:10 – The 3 filters you should apply to investment grade properties  
  • 8:40 – This was the biggest downfall! 
  • 10:51 – What we mean by shine over size  
  • 13:18 – How Aussie culture can affect property growth 
  • 14:50 – “Why is the property so cheap?”  
  • 15:40 – What does Acceptance of Density mean??  
  • 17:04 – How to determine if it has Owner-Occupier Appeal?  
  • 18:07 – The #1 person you must impress as a property investor!  
  • 19:10 – Ben’s “Mainstream Music Appeal” analogy  
  • 20:20 – Why we prefer ____ over ____ properties!  
  • 22:10 – This is why you should invest in a Buyers Agent  
  • 23:58 – Data from across the total market… 
  • 26:00 – Check out Ben’s interview on ABC!  

 

ABC News 24 – Property Bubble in Sydney and Melbourne?

Ben Kingsley has recently appeared as a guest on ABC News 24 – The Weekend Breakfast show. He has appeared on this show a couple of times but this time the main focus is on the Property Bubble in Sydney and Melbourne. First of all, is there a bubble? Ben has mentioned in Episode 14 that it’s not a bubble but more like a balloon. Also, he has created a free report and presentation on the Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007 to help our listeners understand what he meant. In this show, he discuss further on our Treasury Secretary, John Fraser’s remark that Sydney is “unequivocally” in a property bubble, impact of the interest rate movement on Australia’s household borrowing power and loan servicing in the future. He also mentioned that the historically low interest rate at the moment will not last forever and will the Property Market crash as the interest rate starts to rise? Watch this video to find out more now.

 

 

We’ve just created a Free Resources section where we share some other advice and tips on top of the property investing podcast. Make sure to check it out regularly! And if you are liking this property investing podcast, please do leave us a review on our iTunes store or our Facebook.

 

Renovation does not equal Riches

 

The excitement and extraordinary results of a good renovation is immense. We’ve seen it on TV shows like The Block, but does renovating always equal riches? Bryce Holdaway thinks there is more to it.  Watch the video to learn more.

 

 

 

Bryce Holdaway - Quote of the Day - The Property CouchBryce Holdaway – Partner, Property Advisor & Buyers Agent

As co-host of The Property Couch, Bryce Holdaway is also a partner at Empower Wealth and Co-Host of Relocation Relocation Australia and Location Location Location Australia on Foxtel’s Lifestyle Channel. A qualified Buyers Agent and Financial Planner, Bryce holds a Bachelor of Commerce (Accounting), Real Estate Agent License and Diploma in Financial Services (Financial Planning).

 

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