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026 | Q&A – Property through Trust, Renovating Established Properties, Gentrification and Investing in Regional Centre

By in Podcast, Q&A

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We have been receiving a lot of great suggestions and questions from our listeners! If you have submitted a question on property investing in Australia and have yet to hear a response from us, don’t worry. We will get to you as soon as we can. In this week’s podcast, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

  • Ep 26 of TPC - Q&A Property through trust, renovating established properties..Property in Trust from Christ : Can you address investing in trusts? In particular purchasing property through trust and transferring currently owned investment properties into a family trust
  • Tax benefits in renovating established properties from Christian : One of the topic that got me interested was Tax Depreciation, when you had Bradley Beer come in as a special guest. I already have a depreciation schedule, the one thing that plays on my mind – is whether it is worth renovating an established property? Is there a rule of thumb that I should use to determine whether my investment property needs to undergo a renovation? Is there a golden rule to this on when is the best time?
  • Gentrification questions from Andy : What is gentrification and its signs? Does this take a long time to happen? What are the positives and negatives of buying in a suburb that hasn’t had it or is in the process of having a face lift/demographic change? (I’m assuming that is what gentrification is?) Thanks guys!! The podcasts are gold!
  • Investing in Regional Centre from Lewis : Can you offer any advice regarding property investment in a regional centre? Often there are a lot of stones unturned in these markets. I am based 30km from the coast in Central Queensland and medium/high density development is a relatively new concept to most buyers in this area. However, recently completed projects have shown a real interest in this type of offering versus detached dwellings and I am wondering how to interpret this.

 

For access to The Property Couch’s media kit, please email us here: [email protected].

 

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: https://thepropertycouch.com.au/topics/

025 | Q&A – High LVR, Capital Gains Tax, Cross Collateralisation and SMSF Property

By in Podcast, Q&A

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Its Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

  • High Loan to Value Ratio (LVR) question from Andy : As a relatively new investor, would you recommend gearing as many of my initial purchases at 90-95% LVR as possible to help get ahead early on and do you foresee a lot of the banks starting to restrict this type of lending going forward with the interest rates currently so low. If you do recommend it, how do we best manage the risk for the first few years until the properties grow and loans come down to the 80% mark?
  • The Property Couch - Property investing podcast - smsf propertyCapital Gain Tax (CGT) question from Paul : It would be great if an episode could cover “capital gain tax“. I have recently had to sell an investment property due to lifestyle decision but didn’t incur any charges as it was my first place. In future if I have to sell to upgrade to a bigger investment It would be great to know the CGT laws in each state.
  • Cross Collaterisation from Andrew : In recent Episode 20 you touched on cross collateralisation and while it is not the best option, I  was wondering if you could expand on where you might need to use, why you would use it, to what extent would you use it and how would you un-cross collateralise your portfolio?
  • SMSF and Property from Billy : I’m interested in using a Self Managed Super Fund to invest my super in property. I’d like to hear your opinions on this subject. Would you recommend SMSF Property or not?

 

For access to The Property Couch’s media kit, please email us here: [email protected].

 

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: https://thepropertycouch.com.au/topics/

022 | Q&A – Building & Pest Inspection, Rentvesting and Next Wage Growth Hotspot

By in Hot Market Tips, Podcast, Q&A

Its Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

  • Building and Pest Inspection question from Mark : How do I find a good quality building and pest inspector and with the property market being so hot with auctions at the moment, how do I ensure I don’t burn through my deposit money when constantly missing out at auctions?  I could end up wasting thousands on inspections until I actually win at auction! Should I try doing it myself and find a friend or family member with some building knowledge or use one of the smartphone apps?
  • Rentvesting question from Ryan : What are your thoughts on the property investor him or herself to buy and live in their own PPR or to rent? Obviously both have advantages, a place to call home or the ability to keep investing with out loosing potential borrowing capacity.
  • Next Wage Growth Hotspot from David : As mentioned on previous podcasts, investors will want to avoid “glass ceilings” in terms of capped wage growth in certain areas.  Given the changing Australian economy (more knowledge-based), are there particular areas of Australia in which you expect to see wage growth occurring?

 

If you would like to access The Property Couch’s media kit, please email us here: [email protected].

 

Resources mentioned in this podcast:

 

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. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

015 | Real Life Property Investing in Australia – Case Study

By in Podcast, Q&A, Real life stories

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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 ever 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 the episode where we talked about investing in studio or 1BR 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 – Aaron’s 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 something 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 market… 
  • 26:00 – Check out Ben’s interview on ABC!  

 

013 | Q&A – Buy an Investment Property and Continue Renting OR Buy a Home?

By in Podcast, Q&A

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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 options for you. 📈

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

Once again thank you to everyone who has submitted a question! We’re glad this podcast has inspired you and we had tons of fun recording this episode.   

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 i.e. 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 covers all the episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away! 






 

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!  

 

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