The Property Couch, Author at The Property Couch

034 | Q&A – Investing in Commercial Property, Fixing your Loan, Using a BA and Estimated Growth & Returns for Property Plans

By The Property Couch October 22, 2015 in Podcast, Q&A

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It’s another Q&A episode! We are loving these Q&A episodes. If you have a property related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

Using a Buyers Agent question from Tim : For a person that is looking to purchase an investment property where they’ve already educated themselves on property investment from Podcasts, read property investment books and attended seminars and they’ve done all their due diligence from getting the right loan structure, finding the right location with all the growth drivers, will there be any benefits to engage a Buyer’s Agent?

Fixed loan question from Jonathan : Due to interest rates have been low for a few years now and flexible loans are good, when is the best time to fix them? When the interest rate reaches a point eg, 6%-7? Do you refinance your home and do 50% fixed and 50% variable . What is the rule of thumb on this topic?

Investing in commercial property question from Hany : What are the discussions of the pros and cons of investing in commercial property?

Estimated Growth and Returns for Property Plans from Josh : My question is around Bryce’s publications and the extent yield and growth percentages are applied. Exploring these publications I have found that the sum of both the yield and the growth figures never exceed 12% to 13%. Is this a rule of thumb? If so, to what extent can you divide these figures up when building an investment plan? is this constrained by property value? What is considered average, exceptional and using a Buyers Agent, what can be expected?

Free resources mentioned in this podcast:

Episode 18: What is a Buyers Agent and Do You Need One?
CPA Public Practice Presentation – Watch here
Ben’s video demonstration on growth and yield – Watch here
Bryce and Ben’s Book – Pre-order here

If you like this Q&A episode, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. Any questions or ideas? Feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

CPA Public Practice Conference in Lorne – How to Plan to build a Passive Income For Life with Property Investment

By The Property Couch October 21, 2015 in Free Resources, Videos

In Episode 34 of this podcast, Bryce and Ben answered one of our listener’s questions regarding the estimated growth and returns that we used in all our property plan production. To further assist with the explanation, we thought it would be best to share this presentation done by the both of them at the CPA Australia Public Practice 2014 Conference in Lorne.

Watch this presentation and please do let us know if you have any question by email at [email protected] or fill out the form here.

033 | Q&A – Investing with Equity, First Home Buyers Tips, Buy-Reconstruct-Sell Strategy and Leasing to Relatives

By The Property Couch October 15, 2015 in Podcast, Q&A

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It’s Q&A time! In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

Finance related question from Kat : Would you please explain more about using equity? E.g. I heard from a broker that one needs to refinance the loan on the existing property (PPOR or investment) – does this mean the old property and the new one to be purchased are tied together? Some suggest using Line of Credit to get equity out. To assess the equity available, does one first need to pay for a valuation report on the existing property?

Leverage question from Naomi : I am considering selling my investment property in order to pay off the mortgage on my family home leaving me debt free and with the ability to then use all the money I currently pay on the family home mortgage for investment purposes with tax deductible debt. Is this a good strategy? Is there a better alternative you would recommend?

Investing strategy questions from Andy : Investing for demolition and reconstruction vs capital gain. Is it worth buying an older property close to the coast however a little further out from the city to sit on with the view to demolish with a larger land size or to invest in a more expensive smaller property which could be a little closer to the city.

Buying a Home question from Tom : I’d love to hear a podcast on your advice to first home buyers – whether that be best ways to save for the deposit, traps to avoid, or some type of plan for young home buyers – for example I’ve just start work as a property valuer in Melbourne for the last 5 months, and my girlfriend of a few years finishes studies later this year and we have the hopes of buying our first home together in 18 months or so.

Investing question from Andrew : Guys, just wondering what your thoughts are on buying an investment property that is potentially going to be tenanted by a relative? A relative has their lease ending in a few months, and i see this as an opportunity to buy an investment with a secured tenant (all through the proper rental channels i.e REIQ rental agreement). I think the opportunity definitely outweighs the risks. What’s your thoughts?

Other episodes mentioned in this podcast:

Episode 20: Science of Asset Selection – The Buyer’s Decision Quadrant
Episode 23: Exit Strategy in Property Investment
Bryce and Ben’s Book – Pre-order here

032 | Investing in a Changing Market in Australia

By The Property Couch October 8, 2015 in Podcast

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Are we in a changing market? The Australian property market has had a great run but is it time to think about what happens when it cools down or even corrects itself. In Episode 32 of The Property Couch podcast, Bryce Holdaway and Ben Kingsley talks about property investing in a changing market. They started the podcast by discussing the signs and indicators of a changing market. As Ben mentioned in the podcast the leading indicators of a changing market is usually a month or six weeks behind. You’ll see a rush of supply come on and that exacerbates the small correction that will occur on top of the government interventions that are implemented via RBA and APRA.

Our hosts will also be discussing the type of properties that would be affected, the changes in interest rates and more. Tune in to the podcast to find out more!

Free resources mentioned in this podcast:

RBA October 2015 Cash Rate – Commentary by Ben Kingsley – Watch here
Seven mistakes property investor make – Watch here
Beginner’s Guide to Property Investment – Learn more

If you like this podcast: “Investing in a Changing Market in Australia”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

031 (Part 2) | Checklist to Getting A Great Property Manager – Chat with Carolyn Wright

By The Property Couch October 1, 2015 in Podcast

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In this second part of Episode 31 with Carolyn Wright from Your Property Manager, we look at one of our listeners’ question on managing rental through the property manager, what to expect and how to deal with queries for maintenance.

As mentioned in Part 1, getting a good or bad property manager can make a big impact on your wealth position but what are the characteristics of a good property manager? Our hosts and Carolyn list out some of the key roles that a property manager should be doing and what kind of expectations investor should have when finding one. The first tip on this part is setting up the right rental rates. Property managers are in the market all the time, meeting both investors and tenants and having access to tools that provide those data. A good property manager will know what rate to list your property at that would make sure you get a fair market value and minimise your vacancy rate. Listen to this podcast to find out the rest of the checklist.

Free resources mentioned in this podcast:

Reasons why you should hire a Property Manager – Download here
Fear/Procrastination vs. Greed – The Balancing Act

If you like this podcast: “Checklist to Getting A Great Property Manager – Chat with Carolyn Wright”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

031 (Part 1) | Story of an Investor and Lessons Learnt along the Way – Chat with Carolyn Wright

By The Property Couch October 1, 2015 in Podcast

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This week on the Property Couch, we’ve invited Carolyn Wright from Your Property Manager to talk about her own personal experience as a property investor. Bryce and Ben will also be sharing the lessons that most property investors learn along the way, particularly during the post purchase process.

Getting a property portfolio plan and buying an investment property is only half of the whole journey. At the end of the day, if tenants aren’t moving in, then you could potentially be facing a fair amount of out-of-pocket expenses. That is why having a property manager and understanding the process that they go through is important. Unfortunately, a lot of investors feel otherwise. Start listening to this podcast to find out what our hosts and Carolyn have gone through both as property investors themselves and in their professional role.

>> Episode 031 (Part 2) | – Checklist to Getting A Great Property Manager

If you like this podcast: “Story of an Investor and Investing Lessons Learnt along the Way – Chat with Carolyn Wright”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

030 (Part 2) | What is Gentrification and Signs to look out for – Chat with Peter Koulizos

By The Property Couch September 24, 2015 in Podcast

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Following from Part 1 of Episode 30 (Five Golden Rules of Property Investment), our hosts continue on to talk about a topic that Peter Koulizos is current researching on: Suburb Gentrification. Previously in episode 26, Bryce and Ben had briefly touched on this topic and in this episode, they elaborate it further.

Gentrification in general means wealthier people moving into an area and in Australia, the gentrification process varies across different states. Most people are able to see once the process nears the completion stage or sometimes, when it has gentrified but Bryce, Ben and Peter discuss about the signs that you can look for which indicate the start of this process.

Tune in to find out more.

Resources mentioned in this podcast:

Top Australian Suburbs: A Guide for Investors and Homebuyers – Click here
Property vs Shares: Discover your knockout investment strategy – Click here
Property Options for Pensioners & Investors (POPI Australia) – Click here

If you like this podcast: “What is Gentrification and Signs to look out for – Chat with Peter Koulizos”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

030 (Part 1) | Five Golden Rules of Property Investment – Chat with Peter Koulizos

By The Property Couch September 24, 2015 in Podcast

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The Property Couch has reached Episode 30! To celebrate this, we’ve got The Property Professor, Peter Koulizos joining us to talk about the Five Golden Rules of Property Investment. Peter comes with a high pedigree in property investment, holding a teaching degree, Graduate Diploma in Property and Masters of Business (Property) and specialises in property valuation and property economics. Combining Peter’s background with Bryce’s role as a Buyers Agent and Ben’s knowledge in Mortgage Broking and you have a great team of property investment insiders who shares the same passion when it comes to wealth education.

The first golden rule from this trio, is never compromise on location. We’ve emphasized this a lot of times and have also previously mentioned about it on the Buyers Decision Quadrant episode. But time and time again, we see investors making the same old mistake and their argument usually evolves around the land size, affordability and depreciation benefits.

Find out the rest of the Golden Rules of Property Investment in the podcast.

>> Episode 030 (Part 2) | What is Gentrification and Signs to look out for – Chat with Peter Koulizos

If you like this podcast: “Five Golden Rules of Property Investment – Chat with Peter Koulizos”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

029 | Common Mistakes when Investing in Property

By The Property Couch September 17, 2015 in Podcast

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We’ve all made mistakes in life. Some are relatively harmless but when it comes to high value transactions such as investing in property, the stakes are higher. So this time on The Property Couch podcast, Bryce Holdaway and Ben Kingsley list out a few common mistakes that they’ve seen people make in their investment journey.

The first mistake is underestimating the importance of having a good lending strategy and structure. One investment property will not be sufficient to provide you with a self funded retirement so in time, you will need to buy another one and if you messed up your lending structure from the start, you might not be able to achieve your full potential in your portfolio. One of the common regret that Bryce and Ben have heard before is the investor’s drive to look for lenders that offer them the least interest payable has clouded their decision for better borrowing power and eventually, a better asset.

Listen to this podcast to find out the other four mistakes that a property investor often make.

Free Resources mentioned in this podcast:

Ben’s short presentation: Fear/Procrastination vs. Greed – The Balancing Act
Money Magazine article: Earn $55k a year in rental income

If you like this podcast: “Common Mistakes when Investing in Property”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Money Magazine: Earn $55k a year in rental income

By The Property Couch September 17, 2015 in Free Resources, Property Investment

The highly anticipated Money Magazine cover story is here! Thanks to all you who have expressed their interests to download this article. As mentioned in previous podcasts, Bryce and the team at Empower Wealth are thrilled to contribute to this article. As the title “Earn $55k a year in rental income” suggested, this article explains how you can retire on a passive income from a well-designed property portfolio. There are three scenarios mentioned in this article:

Early 30s, single, renting and doesn’t own any properties
Early 40s couple with two young children and their own home
Late 40s, divorcee with a working teenager and her own home

Click on the image to download now. Once you’ve read it, let us know what you think or if you have any questions!

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