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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. 

 

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:  

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows 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.
  • Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007?
  • Watch Ben’s ABC News 24 – Property Bubble in Sydney and Melbourne? Interview
  • 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.

 

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!  

 

014 | Should you buy during a Boom? (And are we in a Property Bubble now?!)

There’s no denying that Sydney and Melbourne are in a boom right now…But what does that mean for the everyday investor?  

Here’s the deal:  

We’re exploring WHAT you should be considering if you’re thinking of jumping into these heated markets… 

 WHY having the fundamentals of property selection is important during this time… 

And discussing the Australian Prudential Regulation Authority’s (APRA) new changes to lending policies that seriously affect pre-approvals for investors!! 

 In fact, we’re answering if you should even be investing at all during a boom – After all, how do you know the market hasn’t already peaked?  

We’ll also be sharing our strategy for dealing with booming markets! (Check out our episode on buying counter-cyclical as part of this!)   

And remember folks… 

It’s not a bubble, it’s a balloon! 🎈🎈 

You heard it here first!! Now that we’ve verbally trademarked it (Yep, that’s 100% legitimate 😉)…what do we mean?  

Well, you’ll have to tune in to find out!  

All we’re saying for now is that Sydney’s currently in a property balloon…Listen in now!  

 

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.
  • Watch Ben’s Commentary on RBA’s release
  • Should you be a Borderless Investor
  • How To Spot A Property Spruiker?
  • Renovation does not equal Riches
  • Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007?

 

Here’s some of the gold we cover…

  • 2:08 – What you need to remember about the property market  
  • 2:48 – Why Sydney is in a balloon NOT a bubble!  
  • 5:10 – FREE data on Sydney’s top performing areas  
  • 6:25 – Should you buy during a boom?  
  • 7:20 – Why you need to have your property selection fundamentals right!  
  • 8:30 – Our strategy for our clients (& why we’re out of the Sydney market right now!)  
  • 10:30 – The “Common Sense” point of view  
  • 11:13 – A safe strategy for booming markets  
  • 11:53 – What is Compression Risk?  
  • 12:55 – What properties we’re buying in a boom vs. the typical properties we buy  
  • 13:57 – THESE are the times you should buy in!  
  • 15:00 – Why you should consider your Timeframe  
  • 16:58 – Does the Commonwealth Games impact property value?  
  • 18:55 – Are you up to date on APRA’s changes to lender policies?  
  • 20:25 – Our key message!  

 

013 | Buy an investment property and continue renting or buy a home – Q&A Day!

Right off the bat folks, a big THANK YOU to our listeners for all the questions they’ve sent in!  

We’re excited to be answering a BUNCH of great questions in our FIRST EVER Q&A session!

We’ll be covering a lot of ground, from the crucial conversations you should be having before making ANY decisions to the type of research and data that’ll help you determine the best option for you. 📈

We’re also sharing our thoughts on the Government’s policies on negative and positive gearing, and explaining why removing negative gearing is actually a terrible idea! 

Once again thank you to all our question submitters, we’re glad that this podcast has inspired you and we had tons of fun recording this one!   

Listen in now folks, plenty of gold to help you make the right decisions.  

P.s. In the future we are hoping to answer ALL of your questions, so please keep sending them in!  

 

The Questions…

Dan and Ryan:  

“Should we buy an investment property in a high growth location and keep renting, or move a bit further out and get something we can afford?” 

Leah:  

“Do you think the tax rules around negative gearing will change in the future, so as not to benefit those investing in multiple properties and how do you diversify your portfolio?” 

Mark:  

“How do you identify high disposable income suburbs and if you’re buying in a block of units, how do you work out if there are more owner-occupiers than renters in the building and area? Also, what do you think about dual living homes ie: granny flats?”

 

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 shows 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.

 

Here’s some of the gold we cover…

  • 0:37 – Dan and Ryan’s Question  
  • 2:15 – What you need to analyse first!  
  • 4:00 – Why you SHOULD consider renting in a lifestyle location  
  • 5:25 – The conversation you need to have… 
  • 6:21 – Leah’s Question  
  • 7:07 – The fundamentals of gearing  
  • 8:35 – What we predict for the future of negative gearing policy… 
  • 9:10 – How the Government gets its revenue 
  • 9:42 – Our questions to the Government on positive gearing tax  
  • 10:35 – Why removing negative gearing doesn’t work!  
  • 12:50 – How do you diversify your portfolio?  
  • 15:03 – Mark’s Question  
  • 15:45 – Where and how you can find the income story!  
  • 17:00 – Why you should focus on small blocks  
  • 18:29 – ALL the data we use  
  • 20:00 – When is it best to have a granny flat?  
  • 21:23 – Some gold from Bryce!  

 

012 | Why Invest in Property?

It’s no surprise that Ben and Bryce are huge advocates of property investing but until now, they haven’t explained WHY they love it so much! 🏘︎  

Today we’re taking a walk down memory lane and discussing why and how Ben and Bryce first got into the residential property market and why they’ve continued to stay!   

From Ben’s early love of investing to Bryce’s captivation with Jan Somers’ back of napkin calculations, we’ll also hear about Ben’s “apprenticeship” years that’s made him the guru he is today!!  

PLUS we’ll be looking at the fundamentals you should know about investing (Including how property can be BOTH a liquid and non-liquid asset, we know it’s a bit of a head-scratcher… 

The Property Couch - Ep 12 - Why invest in property - CoreLogic Pain and Gain report

And applying those to Sydney and Melbourne markets today.  

We’re sayin’ that this time – the rising time will NOT lift all ships!  

In this podcast, Bryce and Ben also mention that based on CoreLogic’s “Pain and GainReport, properties held for shorter time periods are much more susceptible to loss. To read the full report, click the image to the right. 

Listen in now!  

 

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 shows 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.
  • CoreLogics “Pain and Gain” report. For more information on CoreLogic visit RP Data CoreLogic

 

Here’s some of the gold we cover…

  • 0:30 – Ben’s been through the wars… 
  • 2:12 – Why Ben first got into property investing!   
  • 5:20 – Why Bryce first got into property investing! 
  • 6:55 – A bit of gold from Robert Kiyosaki  
  • 7:45 – What does property investing mean for YOU?  
  • 9:00 – Ben’s “apprenticeship” years  
  • 10:05 – Sydney and Melbourne folk – beware of the market now!  
  • 11:20 – Case Study: Manly (and what you should learn from it!)  
  • 14:41 – Why the rising tide will NOT lift all ships 
  • 15:30 – THIS is what you need to understand about property investing…. 
  • 16:15 – Different investing strategies!  
  • 16:58 – The independent umpire is…. 
  • 18:10 – Why property is both an illiquid AND liquid investment!  
  • 20:00 – We’re at 4.5k downloads – THANK YOU folks!  

 

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