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549 | The Insider’s 6-Step Checklist for Choosing the Right Buyer’s Agent

Last week in Episode 548, we unpacked the hidden advantages of using a buyer’s agent — from accessing off-markets to negotiating like a pro. 

But this week? 

We’re lifting the lid on the other side of the coin… 

👉 What are the cons of using a buyer’s agent?
👉 What are the 6 hidden risks you need to know before you sign anything?
👉 And how do you tell the difference between a true professional… and someone who’s just good at marketing themselves online? 


In Part 2 of our deep dive into the world of Buyer’s Agents, we’re walking you through: 

✔️ The #1 complaint most people have about buyer’s agents
✔️ Why trust really matters (and how to tell if it’s being broken)
✔️ And our foolproof 6-step checklist for choosing a buyer’s agent that won’t let you down 

If you’re even thinking about using a buyer’s agent — or just want to avoid costly mistakes — this episode is your ultimate guide. 

P.S. Want a quick, foolproof way to make sure you’re choosing the right buyer’s agent? Here’s a checklist you can download!


Free Stuff  

  • Want to meet Bryce & Ben? We’re going LIVE in Sydney! 📍
    To celebrate the book launch, we’re also hosting a special LIVE Book Launch event in partnership with Dymocks:
    🗓 Tuesday, 1st July
    🕕 6:00pm – 7:30pm
    📍 Dymocks Flagship Store, George Street, SYDNEY
    🎟 Entry is $12 (As set by Dymocks 😊 This includes light refreshments + alcohol) 
    👉  Secure your seat here
    (Note: The 5 free tickets have all been taken by our TPC community, but tickets are still available for purchase. Books are not included with your ticket but will be available to purchase on the night.)

  • Not sure how to select a Buyer’s Agent? Here’s your checklist!
    To make sure you’ve got all the great tips from this episode, we’ve created your ultimate checklist on what is a Buyer’s Agent and how to select one. 👉 Read it now!

  • Searching for a home? Work with our owner occupier-focused Buyer’s Agents!
    As mentioned at 32:28 — Having a Buyer’s Agent who specialises in finding your forever home can make a huge difference to both your financial outcome and peace of mind. If you’re thinking about using one, why not book a free initial chat with our team? No pressure — just a chance to explore whether it’s the right move for you.👉 Book your free appointment here and select “Finding a Home” from the drop-down menu, and our team will be in contact with you shortly!  

  •  Moorr’s MyKNOWLEDGE is now LIVE! 💻
    And in case you missed it — our brand-new educational platform inside Moorr is officially live. Packed with bite-sized lessons to level up your money and property game, you’ll find it under “MyKNOWLEDGE” in your Moorr dashboard.
    👉  Check it out now!


Timestamps  

  • 0:00 – The Insider’s 6-Step Checklist for Choosing the Right Buyer’s Agent 
  • 1:23 – It’s Tax Season! Here’s how to prepare for it.  
  • 2:40 – How To Retire on $3,000 a Week has been out for 2 weeks!  
  • 3:03 – Want to meet Bryce & Ben in person? Sydney LIVE book launch 
  • 4:37 – Expand your knowledge with Moorr’s MyKNOWLEDGE!  
  • 5:11 – Thank you to our amazing community for supporting Bryce’s 50th charity event!  
  • 6:55 – Mindset Minute: Don’t aim to be happy — aim to be content 
  • 12:22 – PART 2: How to choose a Buyer’s Agent (Without getting burnt) 
  • 13:05 – The 5 Cons of Using a Buyer’s Agent – Con #1: The C_s_ 
  • 14:52 – Con #2: T_u_t Matters! (Listen to a real horror to healing story here) 
  • 16:05 – Con #3: All Buyer’s Agents Are Created E_u_l 
  • 20:09 – Con #4: Why C_ _m_ _i_a_ion can make or break the experience 
  • 24:11 – Con #5: You’re still Responsible for the D_ _i_i_n 
  • 26:48 – Who are the Buyers?  
  • 30:48 – Ask your Buyer’s Agent these 2 questions!  
  • 32:28 – The difference an owner occupier-focused Buyer’s Agent makes  
  • 36:04 – Fees: Flat vs. Percentage 
  • 39:55 – The 7 Greatest Risks of Using a Buyer’s Agent – Risk #1: The “One Hat, Many Agendas” 
  • 42:30 – Risk #2: Transparency  
  • 44:17 – Risk #3: Hidden Fees 
  • 47:00 – Risk #4: Great Salesperson ≠ Great Buyer’s Agent 
  • 50:57 – Risk #5: New to the Game? Beware of this… 
  • 53:46 – Risk #6: Pumping the market  
  • 58:02 – Your Foolproof 6-Step Checklist for Choosing a Buyer’s Agent  

And… 

  • 1:07:37 – Key Takeaways  
  • 1:09:57 – “What value are you bringing for the price point you’re asking for?” 
  • 1:14:56 – Life By Design hack: Questions Every Parent Should Ask (8-13 Year Olds!) 
  • 1:17:07 – WMPN:  What we’re seeing across Australia following Labor’s 5% deposit scheme 

 

Free Checklist: How to Choose the Right Buyer’s Agent

TPC - Buyers Agent checklist

Thinking about hiring a buyer’s agent but not sure where to start? Or maybe you’re wondering what a buyer’s agent actually does?

You’re in the right place.

What is a Buyer’s Agent?

A buyer’s agent (also known as a buyer’s advocate) is a licensed professional who represents the buyer (that’s you!) throughout the property purchasing process.

Unlike real estate agents (also known as selling agents) who are paid to get the best price for the vendor, a buyer’s agent acts exclusively on your behalf.

Here’s what they typically help with:

  • Finding properties that match your needs and budget
  • Accessing off-market or pre-market deals (very important in a competitive market!)
  • Conducting research and due diligence
  • Managing inspections, building reports and paperwork
  • Negotiating the best possible terms and price for you

In short, they’re your personal strategist in the property market — making sure you don’t overpay, rush into the wrong deal, or get swayed by sales tactics.

Should I Use a Buyer’s Agent?

Not everyone needs a buyer’s agent — but here’s when they make a big difference:

  • You’re time-poor and overwhelmed
  • You’ve been burnt or missed out on properties before
  • You want expert guidance to avoid overpaying
  • You’re buying interstate or from overseas
  • You value confidence, clarity, and independent advice

If you’re juggling work, kids, and life — or simply don’t want to go head-to-head with trained sales agents alone — a buyer’s agent can be well worth the fee.

On the other hand, you might not need one if:

  • You love the hunt and have plenty of time to do inspections and research
  • You’re a seasoned buyer with deep knowledge of the market
  • You’re confident negotiating and reading the fine print yourself

How to Find the Right Buyer’s Agent

Here’s the truth: not all buyer’s agents are created equal.

The right one can save you thousands — the wrong one can cost you even more.

That’s exactly why we created this free printable checklist, which walks you through the key questions to ask before engaging a buyer’s agent, including:

✔️ How to verify experience, licensing and specialisation
✔️ What to ask about their own investment track record
✔️ Why communication and fee structure really matter
✔️ How to spot hidden agendas and avoid rookie mistakes
✔️ Bonus space for your own notes and reflections

 

Download Your Free Checklist

Fill out the form below and we’ll email you the checklist instantly.

No jargon. No fluff. Just practical, proven questions to help you find the right buyer’s agent with confidence.






 


As Heard on The Property Couch

This checklist was featured in Episode 549 | The Insider’s 6-Step Checklist for Choosing the Right Buyer’s Agent, where Bryce and Ben break down what to look for, what to avoid, and how to tell if a buyer’s agent is truly working in your best interest.

Want to know more about Buyer’s Agents?

Make sure you also check out these episodes:

 

TPC Gold | You’re Rentvesting… But Have You Set It Up Right?

This snippet is from one of our previous episodes: Q&A: Loan Structure for Rentvestors and more! 

More and more Aussies are turning to rentvesting—renting where they want to live while investing where they can afford. 

But while rentvesting is a smart strategy for many, there’s a crucial piece of the puzzle most investors overlook… 

Have you set up your bank accounts and loan structure correctly? 

In this bonus snippet, Bryce and Ben answer listener Aaron’s question about how to manage money when rentvesting—and break down the banking structure you should be using to get the most out of your investment properties. 

They unpack: 

  • Why your offset account placement matters (and how it can save you money) 
  • Whether to have one account or multiple for different properties 
  • The bucket system that simplifies cash flow and protects tax deductions 
  • Why filling your offsets before making extra repayments could be a game-changer 
  • How to structure your loans from day one to keep your options open later 

Don’t let a poor setup derail your rentvesting strategy…

Far too many investors lose thousands by not getting their structure right from the start. 
 
Book a free consultation with the Mortgage Broking team at our sister company Empower Wealth and make sure your rentvesting strategy is built to performtoday, tomorrow and long into the future. 

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If You Enjoyed TPC Gold | You’re Rentvesting… But Have You Set It Up Right? You Might Also Like:


Transcript

Bryce Holdaway
Here’s the next one Ben, from Aaron. 

Aaron
Hi, Ben and Bryce. My name’s Aaron. Absolutely love your podcast. I binge listened to 220 odd episodes in three months when I first found out about it. I’ve just got a question in regards to structuring your bank accounts. We rentvest. Understand if it was a principal place of residence, you’d want all income coming into that offset account. But because we rentvest, just wondering, do you have one bank account where all the rent and all the mortgages come out from? Or do you have a separate bank account for each property where the rent and subsequent mortgage repayment comes out of? Didn’t manage to hear anything about structural bank accounts in any of the podcasts. So apologies if I’ve missed it and you have discussed it. But I don’t think I have heard anything about it. So very interested to hear your response on that. Thanks again guys, you guys are absolute legends. Cheers. 

Bryce Holdaway
Thank you Aaron for binge listening to 222 episodes in three months. I think that would have been some effort. They probably don’t want to hear our voice for a bit there.  

Ben Kingsley
Well, he’s probably right too, in the sense that we do a lot of our lending structure explanations in some of the webinars we do and certainly in some of the visual teachings we do because it’s hard to talk about without demos. But I’m going to have a go, Bryce. I’m going to have a go. So here we go, Aaron. In theory, you’ll always have a minimum of two accounts relating to your investment purchase. You will have, because we uncross-securitise, so we don’t cross-securitise in terms of the lending structures that we do. So you’ll have a loan of up to 80% against the investment property.  

Now we all know that when we purchase a property, we need to work out what the remaining costs will be to finish off that purchase. So if we’ve got 80% against that property, the other 25% (meaning the other 20% of the value of that property plus the 5% for costs) have to come from somewhere else to complete. We call that funds to complete. So in a lot of cases we want to use equity out of an existing property, which is hence introducing that second loan as opposed to paying cash. So some people might choose to pay a portion cash or they may choose to pay a portion equity.  

Our best structures are that once the property investment is set up, you’ve got 105% lending against that property which allows you to move forward with that purchase. Now, in terms of all of the payments and the money flow, this is where it’s really important to follow our rules. And our rules are based on our MoneySMARTS money system where we have (and even though you’re rentvesting which means you don’t have an offset against your principal home), you must have an offset against one of your investment properties. And so we would always say, depending on which lender you’ve chosen for price and also feature, that we want at least one of your lenders to have an offset. Now if both of your lenders have offset opportunities, then we would put the offset against the lender that has the highest interest rate.  

Bryce Holdaway
So it’s a mathematical discussion, isn’t it? 

Ben Kingsley
It is. It’s all about the numbers, right? So in theory, you put your offset – your primary account against the highest interest account, and you fill that bucket. Okay? You do not pay the loan down; you fill the offset bucket next to that loan. And all rent goes into that account. It’s really important that you understand that. So all monies flow into that account, and then all repayments are made out of that account. We would also say to you as well, because that offset is a standalone account and not a loan account, by doing so, you would also be putting all your income into that account. Now you might be saying, well, I’m not saving interest in doing so because ultimately it’s not my principal place of residence, so you’re reducing my interest costs, which means I may not get as much back.  

Now we don’t know whether you’re negatively or positively geared so we would always still say, organize your money that way. In terms of making your expenses, you’ll have a choice there. If you’ve got some money in available redraw or still some buffer lending, then we would say for expenses, use that money as opposed to using the money that you have in your offset account. Because ultimately, over the course of time, you’re going to do one of two things. You’re going to fill up all of your offset buckets which means that technically you’ll have no debt if you were to give that money back to the bank.  

Or if in 20 years’ time, 10 years’ time… you do choose to change your strategy, which we always say if you’re gonna be rentvesting, it’s probably for the longer term. But if you do choose to sell those properties, take that bucket of money and you put that, because it’s obviously after tax, all of your income going in there, take that money to put against your principal home, which reduces your non-deductible debt and it also ensures that your deductible debt against your investment properties are giving you the best advantages for you and your family.  

Bryce Holdaway
Yep.  

Ben Kingsley
So, I mean I could draw that but that’s how I would say it in words.  

Bryce Holdaway
I think the buckets is the best visualization for a podcast, Ben. It’s like, just line up your buckets against the debts. And if you visualize that the bucket that’s the most expensive, Ben, just have that as the biggest one. That’s the one you fill up. And when it’s filled, where does it overflow? Onto the next one, which is the next biggest one. I haven’t seen a better analogy than that. You’re just filling up buckets. I’ve got a private loan where offset’s full at the moment, Ben. So I just found, then I’ll just put an offset against the most expensive investment debt that I have so that I can reduce some of the interest that I’m paying, which is important.  

Hey, another extension of that, Aaron, and we have talked about this previously, but it’s worth mentioning is that some people have big cash when they’re buying their principal place of residence, and therefore, because of this huge cash component, they then go to the bank and say, well, I’ll only borrow a smaller amount, whereas our recommendation is you go and borrow the maximum amount that you possibly can and then put your money into the offset account. So say the net was, you had $300,000 in cash, Ben, and you were gonna buy a million dollar home and so you’re only gonna borrow the difference. No, that’s not a good example. $300,000 cash and $500,000. So you’d only borrow the difference of $200,000. We’d actually say: no, go and borrow the full $400,000. And then actually put the whole $300,000… well you’ll tip off $100,000, you’ll just have $200,000 in offset.  

That allows you to control your cash, it allows you to control your liquidity; make sure you don’t sleep with one eye open at night. And if you’re disciplined with that money, it’s actually really, really good because if you at some point pay off the home and then realize that the house is actually a good investment, probably we’ve talked about this previously, you would just move that bucket of money and you’d go and lean it against the next optimal interest rate loan that you have.  

Ben Kingsley
Brilliant. 

Bryce Holdaway
So it’s very good, Aaron. Very good question. Thanks again for binge listening to 220 episodes in three months. 

 

548 | Would You Trust the Other Side’s Lawyer? Why a Selling Agent Isn’t on Your Side

Is a Buyer’s Agent worth it… or just another costly expense? 

In today’s episode, we’re unpacking one of the most misunderstood roles in the property game: 

The Buyer’s Agent (BA). 


Following the cautionary tale from Jayson in episode 545, we’re diving deep into: 

✅ What a buyer’s agent actually does (and what they shouldn’t be doing)
✅ Who needs one — and who probably doesn’t 
✅ How to tell if your buyer’s agent is working in your best interest
✅ The red flags to avoid (like hidden commissions, rookie mistakes, and slick sales tactics)
✅ And the 8-step process great BAs use to deliver results 

Whether you’re an overwhelmed first-time buyer, a busy professional, or just wondering if a buyer’s agent is worth the fee, this episode will give you clarity, confidence, and the right questions to ask. 

Tune in now!  


Free Stuff  


Timestamps  

  • 0:00 – Would You Trust the Other Side’s Lawyer? Why a Selling Agent Isn’t on Your Side 
  • 1:24 – Our book is OFFICIALLY out!   
  • 2:58 – Mindset Minute: The #1 thing holding most people back 
  • 5:52 – PART 1: Should You Use a Buyer’s Agent?  
  • 8:15 – Reason 1) You’ve been through the wringer 
  • 11:40 – Reason 2) You’re time-poor, stressed and stuck  
  • 14:10 – What a Buyer’s Agent is NOT 
  • 16:21 – What is a Buyer’s Agent, really? 
  • 18:08 – The ‘Counsellor’ effect: Managing emotion in the buy 
  • 20:41 – The negotiation gap: Why most buyers are outmatched 
  • 23:07 – Bryce’s backstory: From accounting to BA to national TV 
  • 26:10 – Ben’s journey: Tourism to property strategy to real estate 
  • 28:39 – Who the selling agent really works for (and why it matters) 
  • 33:28 – Courtroom analogy: Would you trust the opposing lawyer? 
  • 35:55 – Who should and shouldn’t use a Buyer’s Agent? 
  • 43:40 – The 8-step Buyer’s Agent process explained 
  • 46:48 – Off-market deals: Why they’re not all created equal 
  • 50:12 – Negotiation logic vs emotional decisions 
  • 51:04 – Post-settlement support & final inspection tips 
  • 54:25 – Let’s talk pros: Buy back time, save stress & more!  
  • 56:20 – Spend smart, not more 
  • 1:01:44 – Knowing the streets, not just the suburbs 
  • 1:02:42 – Hidden deals and the insider’s advantage 
  • 1:04:54 – Stress less & reclaim your weekends 
  • 1:07:00 – Level the playing field against career negotiators 
  • 1:08:30 – Avoiding costly surprises: The BA safeguard 
  • 1:11:18 – Wrap up & next week: The cons, risks & choosing the right agent 

And… 

  • 1:11:33 – Life By Design hack: Spotify’s screenshot to share your bookmark  
  • 1:14:41 – WMPN: No grounds evictions banned in NSW  

 

TPC Gold | Come Celebrate with Us: Our Book Launch & Live Event!

In today’s celebratory episode, Bryce & Ben share behind-the-scenes stories of our brand-new book: How to Retire on $3,000 a Week – The Property Couch’s Playbook for Passive Property Investing… which hits stores TODAY!  

It’s the ultimate culmination of ten seasons of property investing insights, sharpened and refined through years learning with (and from) our community and clients. 

This isn’t just an updated version of The Armchair Guide—it’s a full rewrite, packed with new strategies, insights, and a fresh, easier-to-read structure to help everyday Aussies map out their property investing journey. 

Find out: 

  • What inspired this new book 
  • Why the first two books weren’t enough—and how this version fills the gaps 
  • How you can join Bryce & Ben LIVE in Sydney to celebrate 

Live in Sydney? Come Say Hi!

Ben and Bryce are doing a one-night-only event at Dymocks’ flagship George Street store on Tuesday, 1st July from 6:00pm–7:30pm. Tickets are just $12 and include light refreshments. Plus, you can purchase the book and get it signed on the night! 

BONUS: We’ve got 5 FREE tickets available for our TPC community! First in, best dressed… head here to claim yours. 

__________________

How to Retire on $3,000 a Week – The Property Couch’s Playbook for Passive Property Investing is available now at all major booksellers, including: 


Transcript

Ben Kingsley
G’day folks, it’s Ben and Bryce here and this is one of our little bonus episodes, but it is an important bonus episode, isn’t it Bryce? Because today is the launch of our brand-new book: How to Retire on $3,000 a Week – The Property Couch’s Playbook. So mate, congratulations. And yeah, what inspired us to pull this together, mate?  

Bryce Holdaway
Well, I’m glad you asked, Ben. It sounds like we’ve rehearsed that. But look, the idea was very, very straightforward. We were super proud of our first book. But when you’ve been in the game like we had (the first book was prior to the podcast), and one of the things that the podcast has been able to give both you and me… Well, I shouldn’t speak for you; I’ll speak for myself. It’s given me an opportunity to sharpen the way that I think about the concepts around property investing because we’ve had to over (the last) 10 years. 

Ben Kingsley
Yeah. 

Bryce Holdaway
So it’s like we had another go at it. It’s like: Okay, if we were going to do that again, what would we do different? So the truth be known, when we started out, it was going to be a revised and updated book. But then by the time that we finished the scribing Ben, it was 90% different. Therefore, hence the reason why it’s new rather than revised and updated.  

Ben Kingsley
I just sort of describe it as: you’re doing a new build and you’re doing a custom build or you’re doing a significant renovation on a property and you do all your planning and you speak to your architect or designer, draftsman or whatever, and you build it and you think… If you have the benefit of hindsight and you go, maybe, probably next time we could have done that, next time we could have done that. But effectively it’s fusing these two books into this (one book). But it’s completely refreshed and rewritten in certainly a lot easier reading style, takes people on the journey that they need to go on. And as you say, there’s some fresh content, new content in there. Obviously, it’s been a long time since we put the Armchair Guide to bed. And so this one now has got, yeah, a whole new section of new insights around different types of markets. When we start talking about entry level markets and blue-chip markets and those types of things…  

Bryce Holdaway
Then there’s just stuff that we just had another opportunity to talk about. So to say we’re proud of this would be understatement folks. We’d love for you to get your hands on it… and look, it’s 20+ years for Ben and I that you can just fill into a weekend. So get yourself your hands on it. There’s a couple of ways that you can do that, if you go to the big bookstores Ben. But we’ll rattle off a few that’ll help you: QBD’s got it, Big W has got it, Amazon, Dymocks, Booktopia. So go to all the big booksellers. They’ll have their hands on it. But we’d also like you to just check where you normally pick up your books. That’ll be a start. And Ben one of the things that we’re excited about doing… correct me if I’m wrong, I’m not sure if we did this on the first one sort of 11 years ago, but we’re cutting a lap up to Sydney and Dymocks have invited us into their flagship store, Ben.  

Ben Kingsley
They have. 

Bryce Holdaway
On George Street, no less, in the winter in Sydney. So that’s happening on Tuesday, 1st of July at 6.00pm to 7.30pm. So we want to invite our audience. Wouldn’t it be great, Ben, if Dymocks was just full of Couch-ers? If they all turned up and wanted to say hey. 

Ben Kingsley
Yeah, would be nice to meet some of our community up in New South and the Sydney market. So tickets are $12. It is a paid event, but you’re going to get a little bit of refreshments and potentially even a little glass of Vino.  

Bryce Holdaway
Bevo. 

Ben Kingsley
Little bevo as part of that. Yeah, so there is a little bit of alcohol for those people over 18 years of age and can show their ID. So your money is going to cover the cost of that and of course you can buy the book at Dymocks on the night. If you buy the book, we’ll also potentially be able to put a little signature in there, a little note.  

Bryce Holdaway
We’ll have a little note. So just so you know, that $12 has got nothing to do with us folks. It’s the Dymocks show. We’ve just been invited to turn up and talk and have a chat. Ben, we’re pretty shy blokes… I’m not sure that we will be able to; we’ll struggle to be able to.  

Ben Kingsley
Yeah, I think we’ll struggle.  

Bryce Holdaway
So TPC does have five free tickets available. So how can they get one of those, Ben? 

Ben Kingsley
Well, I think it’s got to be first in best dressed, doesn’t it, Bryce? So if you’re an avid listener or maybe an Empower Wealth customer or whatever… But you’ve got to be quick because they’re going to be snapped up. But please, if you are going to attend, you know, obviously no shows wouldn’t be great, but yeah, do your best to get there. And if you legitimately have time available on the 1st of July between 6 – 7.30pm at George Street Dymocks, we will get the tickets out to you.  

Bryce Holdaway
Very good. So there you go folks. It has happened. We set the goal; we achieved it Ben and our hope is that it serves you. We hope that it does for you what it says on the front of the books: that you actually get to retire on $3,000 a week. So we’ve given you a Playbook folks; only one thing left to do! Go and see us on Tuesday 1st of July between 6-7.30pm if you live in Sydney. We would love to say good day to you. Please come up. Please say hello. We’ll have The Stig with us. So you’ll probably want to have a photo with her. And if you can’t make it, go to QBD, Big W, Amazon, Dymocks, Booktopia… you’ll be able to get your hands on a copy.  

Ben Kingsley
Don’t forget the link to buying the tickets for the event is also in the show description.   

Bryce Holdaway
There you go, folks. We would love for you to get your hands on a copy. 

 

It’s Here: How to Retire on $3,000 per Week Is Officially Out Now! 🎉

Free tickets

After months of writing, editing, and incredible community support, we’re thrilled to announce that our brand-new book — How to Retire on $3,000 per Week: The Property Couch’s Playbook for Passive Property Investing — is officially available from today!

Whether you’ve been tuning in to the podcast for years or you’re just starting your journey to financial freedom, this book is the ultimate deep dive into how everyday Aussies can build a passive income that lets them retire comfortably — and confidently.


🛒 Haven’t Secured Your Copy Yet?

You can grab a copy now from these stores:


📍 Join Us Live in Sydney!

To celebrate the launch, we’re hosting a special LIVE event at Dymocks’ flagship store in Sydney on Tuesday, 1st July from 6:00pm – 7:30pm. We’ll be diving into insights from the book, sharing a few untold stories, and connecting with our amazing community face-to-face.

🎟 Tickets are just $12 — and there are a few free ones up for grabs!
👉 thepropertycouch.com.au/liveinsydney


📖 Why We Wrote This Book

Over the years, we’ve received hundreds of messages from listeners asking the same question:

“Can you just show me the step-by-step plan to build a property portfolio that will allow me to retire comfortably?”

This book is our answer.

It’s the culmination of everything we’ve learned from over 10 years of the podcast, working with thousands of clients through Empower Wealth, and applying the frameworks we use in our own lives.

It’s not a “get rich quick” scheme. It’s not about chasing the next hotspot. It’s a practical, proven playbook for anyone serious about retiring with a passive income from property.


💬 What Industry Experts Are Saying

“Couldn’t think of two better blokes to steer you through the property maze. My trusted experts since my Money Mag days — now podcast kings, still schooling Aussies on all things property.”
— Effie Zahos, Channel 9 Money Editor and Author of A Real Girl’s Guide to Money

“Ben and Bryce remain the number one team in the Australian property space.”
— Evan Lucas, Economic Futurist, Media Personality and Author of Mind Over Money

“Bryce and Ben have forged enviable careers becoming two of Australia’s leading property experts and commentators. Their appeal is remarkably simple and refreshing: they rely on facts and focus on delivering practical, smart and well-informed guidance. This book is filled with the quality insights we’ve come to expect from this duo.”
— Antonia Mercorella, CEO, Real Estate Institute of QLD (REIQ)


From the podcast to the page — this is our most complete guide yet. We can’t wait to hear what you think!

Once you’ve grabbed your copy, make sure to tag us with your review on socials using #ThePropertyCouchPlaybook

547 | Sell or Hold? Retirement, Rooming Houses & Real Regret-Free Decisions

What would you do if your investment property hadn’t moved in value in six years… but your gut says, “Just hang in there a bit longer”? 

In this week’s Q&A episode, we’re answering four big listener questions — and unpacking some of the trickiest real-life property dilemmas out there today:  


Here’s what we answer:

🔹 Sam is stuck with a unit in Penrith that’s underperformed for years. Should he sell and start fresh… or is it worth holding for Western Sydney’s future growth?  

🔹 Scott is in his mid-50s with a $2M home, healthy super, and a positively geared investment property in Logan. He’s downsizing soon… but is his plan the right one? 

🔹 Ethan, a past guest, just lost a property to demolition — and he’s now looking into rooming houses. High yield, low vacancy… but what’s the catch?   

🔹 Viv owns four rooming houses, returning 10%, but wants to know: Can she exit smoothly, or will semi-commercial status tie her hands in retirement? 

Whether you’re navigating poor-performing properties or plotting your next big pivot — this one’s packed with practical, real-world advice. Listen now!  

 


Free Stuff  

  • FINAL WEEK: Give the gift of sight
    Next week, the team heads to Bali to visit the John Fawcett Foundation and see the impact your donations are making — restoring eyesight for those who need it most.But there’s still time to be part of it! If you’ve been meaning to give but haven’t yet — this is your chance.Every $25 donation funds a cataract surgery, and every surgery changes a life forever. 👉 Donate now!
  • The RBA has cut interest rates! Could this be the start of a new rate-cut cycle? 
    Tune in to Ben’s LIVE cash rate announcement, where we cover this and deep dive into the local and global trends shaping Ben and Evan Lucas’ outlook. Listen now >>

 


Questions We Answer

Q1) “Selling or Holding an Underperforming Investment Property?” from Sam
“Hey guys, just found you on Spotify a few weeks ago. The information I’m getting is phenomenal—keep up the great work. Really appreciate it, along with everybody else. 

Just have a bit of a situation that I’m in. My wife and I purchased our first home—a townhouse—15 months ago in Penrith. We’re planning to stay here long term. However, my brother, mum, dad and I purchased an investment property back in 2018—also in Penrith. 

The error we made was that we bought a unit. Over the past six years, it hasn’t performed all that well. If we’re lucky, we’re up about $100,000. It’s negatively geared, so we’re putting money into it each week.   

I’d like to get another investment property. But I’m not sure if we should sell this one and start fresh—maybe even get a couple. Or whether we should hold onto it and hope it increases in value. 

We do have a bit of equity in it. So another option is to pull that equity out and buy again without selling. 

The main question is—should we sell or should we hold? 

The property’s performance hasn’t been great. I think I’m trying to convince myself to hold because of the new airport being built in Western Sydney. Hoping that it will help push the value up. But I’m probably holding on to a bit too much hope there. 

Can’t wait to hear what you guys think. Have a good one!”  

 

Q2) “Seeking Advice on Selling Investment Property & Downsizing Strategy” from Scott 

Hi boys, long-time listener of your podcast—really good stuff. 

I’ve got a question for you. 

My wife and I are in our mid-50s. We’ve got a principal place of residence worth about $2 million. There’s a $170,000 mortgage on it, with $87,000 in offset. We also have an investment property we bought 20 years ago for $195,000. 

We’re looking to sell it now for around $700,000. There’s still a $95,000 mortgage on it. It’s positively geared, generating about $15,000 per year. We’ve got a combined super of about $1.5 million. We’ve kind of already started actioning a plan—but we’d love your thoughts to see if we’re on the right track. 

The plan is: Sell the investment house in Logan (south of Brisbane). 

Yes, we know we’ll have to pay capital gains. Then reinvest the funds into a unit, apartment, or townhouse in Brisbane. The idea is eventually to downsize our principal place of residence in Brisbane (worth $2 million). Then reinvest that into a unit on the Gold Coast. 

So, by retirement, we’d ideally have: One unit in Brisbane and one on the Gold Coast. Potentially rent one out for a while but ideally, not have to rent either of them out. Just use one as a Brisbane base and the other as a Gold Coast bolt-hole. 

Just interested in your thoughts— Are we making the right call selling the investment and reinvesting it? 

Or are we better off just hanging onto it? 

We wouldn’t ever live in the Logan property.  Thank you! 

 

Q3) “Thoughts on Rooming House Investments After Unexpected Property Loss” from Ethan 

G’day legends,  

Ethan from episode 471 here.  I’ve got a question regarding rooming / boarding houses. 

I recently had an incident at one of my investment properties. The property is going to be fully demolished. Thankfully, no one was injured and insurance will cover it. 

This event wasn’t part of the plan, but it’s led me to try and create a new opportunity out of the misfortune. That’s led me to do a deep dive into rooming houses. 

From all the research I’ve done, it seems like a very attractive investment. We’re talking ROI of 9% plus, and extremely low vacancy rates. Other properties in the area doing similar setups look promising.  

The Victorian government isn’t applying land tax to rooming houses. And the location I’m considering is under one kilometre from the centre of town. 

I’m fully aware of the extra costs and risks involved. Higher overheads, higher management fees, higher insurance, cleaning costs, and higher build costs—just to name a few. But the pros seem to outweigh the cons at this stage. 

Is it too good to be true? I’m still in full research mode and looking at a few other options too. I’d love to hear your thoughts on this type of investment. I know you guys are like me—you prefer to buy fully established rather than build. Keep up the good work, guys. 

 

Q4) “How to Sell Rooming Property Effectively?” from Viv  

Hi guys, 

I’ve invested in four rooming accommodation properties that have good income. They’re returning around 10%. 

I’m trying to figure out how to transition them into retirement. Do I sell them? Do I hold them? 

They’re a bit different from a standard rental because they’re semi-commercial. So they’re not as easy to sell at the drop of a hat like a regular investment property. I don’t want to feel restricted by that. 

Just wondering—have you had any experience with rooming accommodation? 

Two of the properties are built-to-rent. They’re five-bedroom, five-bathroom setups, with each room like an individual apartment. The other two are in my self-managed super fund. I converted those from existing properties already held in the fund. 

I’d really love to hear your feedback on rooming accommodation and where it fits into a retirement strategy. Thanks very much—love your show! Bye. 

 


Timestamps  

  • 0:00 – Sell or Hold? Retirement, Rooming Houses & Real Regret-Free Decisions 
  • 1:37 – Winners are grinners 😉  
  • 2:49 – LAST WEEK before Bryce’s 50th birthday!   
  • 3:20 – RBA Cash Rate: Could this be the start of a new rate-cut cycle?   
  • 5:27 – Mindset Minute:  What is the best piece of advice you’ve ever received? 
  • 7:32 – Q1) “Selling or holding an underperforming investment property?” 
  • 9:29 – Purpose, unit uniqueness & recycling costs: Why these are key!  
  • 12:43 – Future infrastructure = investing failure 
  • 16:54 – 2 critical behavioural heuristics  
  • 17:58 – Q2) “Seeking advice on selling investment property & downsizing strategy”
  • 20:02 – Held your PPOR for over 10 years? You may be eligible for this!  
  • 24:12 – What is your passive income goal?  
  • 29:05 – Romance vs. Reality 
  • 31:47 Q3) “Thoughts on rooming house investments after unexpected property loss” 
  • 33:45 Q4) “How to sell rooming property effectively?” 
  • 35:05 – Why room design matters here  
  • 39:05 – The 3 questions you should be asking… 
  • 41:37– Folks, this isn’t a “set-and-forget” strategy! 
  • 44:28 – Water & property don’t mix 😉  

And… 

  • 47:49 – Life By Design hack: If your kids want to do something, put it on paper!  
  • 49:44 – WMPN: The latest bonds data: 24,384 properties lost in Victoria?!  

 

(LIVE) RBA May 2025 | One Cut Down… How Low Will Rates Go?

The Reserve Bank has officially cut the cash rate by 25 basis points—and for the first time in over a year, meaningful rate relief is flowing through to borrowers.

NAB was the first to act, with all of the Big Four banks passing on the full cut within an hour of the announcement.

This is big. But what’s even more important is what comes next.

With economists (including Evan) forecasting more cuts to come throughout 2025, we’re now asking the real question: how low could the cash rate actually go?

In this month’s economic and RBA update, Ben and Evan unpack:

  • What drove this month’s decision by the RBA board
  • What’s changed since last month’s update
  • How the data is trending across inflation, wages, unemployment, and confidence
  • An eye-opening update on Trump’s “economic experiment” and its global impact
  • How China’s long-term strategy and the US–China tariff standoff could affect us here at home
  • And what might be around the corner for Australia’s property market

This is the kind of shift we’ve been watching closely—and we’ll break down not just the numbers, but what they mean for investors, homeowners, and everyday Australians trying to navigate a changing landscape.

Tune in now and let’s talk through what lies ahead.

P.S. With rates falling and the Big Four passing them on quickly, now is a great time to review your loan. The trusted team at our sister company Empower Wealth can help you understand your options and potentially save thousands.

Reach out for a Free Loan Health Check today by booking a free appointment below:






 

546 | The Frankenstein Portfolio That Lost $159K—And How to Avoid It

We’ve heard it time and time again from investors who look back and say, “What was I thinking?” 

In Ep 546, Bryce is joined by returning guest David Robertson—Head of Property Wealth Planning at Empower Wealth—to dive deep into one of the scariest (and most common) traps in property investing:

The Frankenstein Portfolio. 

These portfolios are stitched together from forums, free seminars, and flashy Finfluencer advice… but lack one crucial ingredient: a plan. 

👉 If you missed our intro to the concept, check out Ep 543: What Is a Frankenstein Portfolio?   

This week, we’re going one step further. 


We’re showing you how to fix it—with 3 real-life investor case studies: 

✅ Ryan & Claire: 4 underperforming properties—including a $159K loss on a rental-guaranteed unit 

✅ Steve & Elisa: Two good assets, but poor sequencing and a big debt dilemma. Should they hold or sell? 

✅ Mark & Tracey: A calm, boring, strategic portfolio built with intention from Day 1 (and zero stress) 

This is your crash course in avoiding—or correcting—a portfolio without a plan. 

Because activity ≠ accomplishment… and in the long game of property, boring wins. Tune in now! 


Free Stuff  

  • Over 5,000 lives changed through strategic property planning 🎉
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    • 💼 More than $10.5 billion in property recommendations
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    • ✅ Countless lives changed with structured, tailored roadmaps to wealth!A huge thank you to our brilliant advisory team and clients who’ve trusted us with their journey. 🙏
      Want to see how a property plan would look with your goals? Book in a free intial chat with our team today >>
        
  • Want a copy of How to Retire on $3,000 a Week — before it hits bookstores?
    To celebrate Bryce’s 50th birthday and raise funds to restore eyesight for 100 people in Indonesia, we’re gifting a copy of the new book to anyone who donates $100 or more to the John Fawcett Foundation.✔️ 100% of your donation goes directly to sight-saving surgeries
    ✔️ You’ll receive the book before it hits shelves
    ✔️ We’re halfway to our $10,000 goal — with just days to go. Every donation counts!

    Simply:  

    1. Donate $100+ at 👉 thepropertycouch.com.au/donation 
    2. Forward your receipt to 📩 [email protected]
       
  • Guests & Episodes Mentioned:  

Timestamps  

  • 0:00 – The Frankenstein Portfolio That Lost $159K—And How to Avoid It   
  • 1:25 – More than 5,000 aspiring Australian households helped!  
  • 7:54 – Want a free copy of How to Retire on $3,000 a Week?  
  • 9:58 – Mindset Minute:  The gold in your cracks  
  • 13:51 – Welcome, Dave!  
  • 14:22 – Refresher: What is a Frankenstein Portfolio?  
  • 17:37 – Case Study 1: Ryan & Claire (The Frankenstein Portfolio)  
  • 18:28 – Why most folks do well selecting their PPORs  
  • 20:41 – Property #1: Over a decade yet a decline of $150K? 🙁  
  • 24:16 – Why Rental Guarantees are one of the biggest red flags to run from   
  • 26:24 – Property #2: A repeat unit offender 
  • 29:22 – Property #3: The market they jumped into too late  
  • 31:25 – The development block project: Interest rates & reno plans  
  • 36:01 – Why did they seek help?  
  • 37:04 – Fixing their Frankenstein portfolio  
  • 41:45 – Boring vs. “Exciting” property plans  
  • 44:49 – Case Study 2: Steve & Elisa (The “Needs Work” Portfolio)  
  • 45:48 – Property #1: The high volume game  
  • 48:22– Property #2: No science in the asset selection 
  • 49:49 – Property #3: The Tassie house they bought at the peak of the cycle  
  • 51:55 – Growing the family home: What properties should they keep or sell?  
  • 54:35 – Should they buy a new home or redevelop their PPOR?  
  • 56:40 – “Planning is not just about your next investment property”  
  • 59:04 – Case Study 3: Mark & Tracey (The Successful Portfolio) 
  • 1:02:03 – What a calm, strategic plan looks like!  
  • 1:04:05 – “If you want adrenaline, go bungee jumping. If you’re investing, it should be boring.”  
  • 1:06:37 – Wrap up: Similarities & Red Flags (And how to avoid them!

And… 

  • 1:09:35 – Why boring is the goal!  
  • 1:11:03 – Dedicated to Ben’s father-in-law  
  • 1:12:38 – Life By Design hack: The #1 parenting skill we forget: Listening. 
  • 1:17:09 – WMPN: The average Aussie inheritance  

 

TPC Gold | How to Maximise Your Tax Returns in 2025

This snippet is from an Empower Wealth episode: How to Boost Your Tax Return in 2025: Ben & Julia’s Hot Tips. 

In this week’s bonus episode, Ben shares key highlights from his recent Talking Property Tax conversation with property tax expert Julia Hartman—covering what smart investors need to know before 30 June. 

From HECS/HELP debt changes to interest prepayments, land tax rules, and advance rental payments on commercial property, this episode is your end-of-financial-year tax health check. 

Here’s what you’ll learn in this short but sharp episode: 

💥 Why you should avoid paying off your HECS/HELP debt before 1 June 2025
🏡 How to decide if paying interest in advance is right for you
🧾 What deductions you can and can’t claim in advance for investment properties
⚠️ What to watch out for if your commercial tenant wants to prepay rent
📉 How to avoid getting locked into a deduction strategy that no longer suits you 

If you want to get ahead of tax season and potentially boost your return, this one’s a must-listen. 

Want to Maximise Your Return This Tax Time?

At our sister company Empower Wealth, the Tax & Property Accounting team specialises in helping property investors claim every dollar they’re legally entitled to—no guesswork, no gimmicks. 

We even back it up with our Maximum Refund Guarantee! 

If you want to get the maximum refunds you are entitled to, now is the time to get your tax strategy sorted. 

Book your free initial consultation today and chat with one of our experienced accountants via the link here: thepropertycouch.com.au/tax  

__________________

If You Enjoyed TPC Gold | How to Maximise Your Tax Returns in 2025, You Might Also Like:


Transcript

Ben Kingsley
G’day folks, Ben Kingsley here. Now last week I did an episode on Talking Property Tax with Julia Hartman. It was Episode Six of that series, and today we’re sharing a summary version of those conversations I had and it’s all to do with your tax planning in the lead up to the end of the financial year. So this is a summary version of the episode I did recently with Julia Hartman on Talking Property Tax.  

Today we’re going to be talking about some very interesting and timely topics. I’m going to cover off on HECS and HELP debt. So there’s some changes now that the Labor Party have got in. We’re also going to have a reminder around tax and property planning for those property investors, which is obviously our mainstay of audience. And then we’re going to go a little deeper in terms of some of the superannuation and planning around that, and also cover off on some of the fundamentals. So it’s going to be a great show. I’m looking forward to getting into it. So Julia, let’s get started. I want to talk about the HECS or HELP debt as it’s sometimes referred to, and what are some of the important things that we need to be aware of now that Labor has got back into power.  

Julia Hartman
Well, I suppose the most urgent and important thing is to warn you not to pay off your HECS debt between now and the 1st of June. So there’s not many people who are going to benefit from that. But whatever you owe at the 1st of June, the government’s going to give you a 20% discount on it. So you want to owe as much as possible at that point. But the uplift factor will kick into that amount too, but that should only be about 3%. So what your employer takes out of your pay packet is not going off your HECS debt until you do your tax return, so don’t worry about what’s coming out of your pay. It’s just those voluntary payments that you don’t want to do in the next three weeks.  

Ben Kingsley
So it’s a pretty straightforward piece of advice and that is because it’s a 20% value of your existing HECS debt. Well, don’t pay it before the 1st of June because that’s the calculation date. So if we leave it till after that, then you’ll basically get the higher deduction off your HECS debt. So great piece of advice there, Julia. And that one was an easy one. There wasn’t really much else in regard to general far reaching or macro changes that the Labor Party have made to the tax system this year, so what I wanted to do was focus in on tax planning for property investors, because this is the time of year.  

Now it is early May, and so we need a little bit of time to basically potentially do some of these things, and in terms of getting ourselves in order for the next tax round. So the first one, and one of the most common ones we get asked about, is obviously the ability to pay potentially 12 months’ expenses in advance. And that’s the rule. That’s all allowable when it comes to residential investment properties. And the biggest one, obviously one of the biggest costs for a lot of people is the interest cost. And so talk to us about the interest in advance, interest costs that might be claimable, and what are some of the pros and cons associated with that, Julia?  

Julia Hartman 
Right, well first of all when you enter into this arrangement it’s not just enough to work out what the interest is and pay it off the loan. You’ve got to make arrangement with your bank that they actually do charge you the interest and that’s what you pay to get interest in advance. And then you’ve got to think about: Is this the year to do it? And the tax brackets aren’t that different over the next few years so you can look at your income and also whether you might be taking time off work. So if you pay two years’ worth of interest in this year, then next year the only way you’re going to get any interest deduction is to pay a year in advance again. So you see you’ve lost that advantage; you’ve just got one years’ interest next year and you’re locked in to paying it in advance each time in order to get any deduction at all. So you want to save it for that big capital gain or something like that. Or on the other side of the coin, save it for a time when you might take a year off work – for family or whatever reasons. So you make the extra payment the year before you take the time off work, and then when you don’t need the deduction so much in the following year you can catch up, and then the year after that it’s all business as usual.  

Ben Kingsley
Yeah, so there’s a couple of really important points that you make there. In the event that if your income is going to be regular over a long period of time, once you’re sort of in this interest in advance, you then have to keep rolling it over and over. And so a lot of people think: Well, why am I doing this? I mean, there’s potentially a cost for your tax agent to do that. Also, if you’re working with a broker, this needs to be put in place with a lender. That’s why we’re talking about it in May, because it does take a bit of time and you ultimately need to pay that money into the bank so there’s a record and documentation which is what Julia was saying. So the best time when these things are advantageous is in the event that you have a high income year that you want to offset the tax. And then to Julia’s point, if you’re having maternity leave or paternity leave and your income is going to drop considerably in the next year or two, that’s the run-up and planning that we’re talking about. So may not be applicable for you this year. Or the other thing, if you’re maybe coming closer to retirement and the same principles apply in terms of if your income is going to drop substantially, then the interest in advance on lending is something to consider as part of your tax planning. The other ones which are probably a little bit less known for some people, Julie, is things like rates, insurances, body corporates. Do you see a lot of that throughout the BANTACS practices in terms of people trying to pay those in advance?  

Julia Hartman
No, not really. I’ve included this more as a warning to people that you can only pay 12 months in advance. So if your body corporate fees are already in advance, you can’t go and pay another 12 months’ worth and claim a deduction for it.   

Ben Kingsley
So a lot of people don’t realise that, but body corporate fees don’t run necessarily on a financial year. So the example there is if you’ve paid body corporate fees up until the 31st of December already in advance, then technically you’ve only got six months of additional fees in advance. And I think some of the other challenges there is again, you’ve got to actually pay it before 30 June, and you’ve got to have documented evidence of that. And I’m just trying to think, from a rates notice or from a council point of view…how would they account for that and what sort of record or information would they provide to you?  

Julia Hartman
Well, you can get a statement off most councils that should show the payment being made.  

Ben Kingsley
But it’s certainly not something that I hear often about because it’s not a huge amount of money, whereas the interest in advance on a loan potentially has some advantages associated with that. So that’s interesting.  

Julia Hartman
Yeah, it’s just a warning.  

Ben Kingsley
Okay. Let’s move down now to land tax. And obviously land tax is treated differently. So let’s talk to what are those differences, Julia?  

Julia Hartman
Well we’ve been talking about paying in advance and all those sorts of things to draw the claim forward. But the land tax is only deductible in the year it applies to, so paying it the following year doesn’t mean it goes in that year’s tax return… and certainly you can’t do any payments in advance. It’s: Right, you’ve been assessed for that year; that’s the year the tax return goes.  

Ben Kingsley
Yeah, so your accountant will do that calculation and make sure that they’re claiming the right portion in the right year as part of that story. So that’s an interesting one. The other one that’s interesting is in terms of interest in advance, and we’re going a little bit into commercial tenancies here. There might be a few people who have some commercial tenancies. There’s, you know, in terms of the discussions and reading the blogs that you put together, in some instances the tenants potentially might want to pay in advance, but that has unintended consequences for the actual owner of the property, doesn’t it?  

Julia Hartman
Yes, well it’s generally people that can get a tax deduction for their rents, so commercial properties is a rule of thumb. If they pay you that money 12 months before the 30th of June, you’re going to have to declare it unless you can argue somehow you might have to pay it back. It’s the Arthur Murray principal… where it’s dance school and they said oh yeah, but if they don’t take all the classes, we’d have to pay it back. So then they didn’t have to declare it, but I think that would be pretty hard when you’ve got a lease in place to stay. So yeah, you’re stuck with 12 months’ extra rent in your tax return if they pay it. Run.  

Ben Kingsley
And can you, you know, I suppose in your commercial contract you might have a clause in there that says no rent is payable in advance because you don’t potentially want that surprise. Is that sort of something you’ve seen in the past? 

Julia Hartman
Yeah, it would be not surprising for a tenant to want to pay rent in advance in a good year. So it’s just something to watch out for.  

Ben Kingsley
But it potentially has to be agreeable by the landlord as part of those deals or no if it’s received in the bank account. Surprise surprise, you’ve got a little bit of extra tax to pay in that year. You’ve got a little bit of surplus cash that you didn’t expect coming.  

Julia Hartman
Yeah, it’s not all the windfall it’s made out to be.  

Ben Kingsley
Nah, true, true.  

Well there you have it folks, that’s obviously just a snippet… the highlights of some of that episode. If you want to listen to the full version of the episode, just go to the summary notes or the notes inside this episode, click on that link and you’ll get full access to the whole episode where we go a little bit deeper on the topics.  

Also before you go, if you don’t have a property specialist tax accountant and you are looking for one, of course this is where I say you may want to consider Empower Wealth. We obviously have a guarantee and that guarantee is the Maximum Refund Guarantee. So we’ll ensure you get the maximum refund possible for all of your investment property tax returns, and also your personal tax returns as well. So you can check that out by going to www.thepropertycouch.com.au/tax. Thanks for that and always remember, knowledge is empowering but only if you act on it. 

 

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