472 | “We’re Moving to Kalgoorlie!”: Sacrifices, Savings, and Three Investment Properties Later – Chat with Amy



This week’s episode is about many things… 

💎 The boundless rewards that come from delayed gratification,
📚 The enlightening power of financial empowerment, and…
🧑‍🌾 Getting out of your comfort zone by heading to the outback.  

Meet Amy, today’s brave and resourceful Summer Series guest!  

Growing up with “tangible money values”, Amy would spend her early 20’s prioritising life experiences over financial gain until the age of 26 when she made 1 life-changing decision…  

This would completely change her financial future and allow her and Sam, her wife, to leap onto the property ladder in less than a year.   

Tune in to hear what this revolutionary decision was, their experience moving from the East Coast to the Outback and their diverse property investing journey.    

From their first hands-on property investment to the land purchase near Byron Bay to the joint venture with her parents, Amy’s story has many chapters full of laughs and good lessons along the way.  

An episode for those who are willing to get outside their comfort zone to get into the property game, listen in now! 



P.S. Did we mention…Amy’s been a Property Couch listener for 9 years?! What an honour to talk to a long-time listener 😊🌌✨ 


Free Stuff Mentioned



  • 0:00 – “We’re Moving to Kalgoorlie!”: Sacrifices, Savings, and Three Investment Properties Later 
  • 1:23 – Welcome Amy!  
  • 2:30 – Tangible money values & having parents who “taught them how to fish”  
  • 5:52 – 2 sisters, 2 different investing pathways  
  • 6:54 – Passing on these values to the kids… 
  • 8:08 – Travelling & spending on experiences in her 20s  
  • 9:47 – The money system she’s always used to save…  
  • 10:55 – The big sacrifice they had to make to get onto the property ladder  
  • 12:21 – From the Coast to Outback: The Move to Kalgoorlie!  
  • 14:19 – Why did Amy decide to financially educate herself?  
  • 17:00 – Why they chose their investing strategy!  
  • 17:21 – Their first investment property  
  • 19:19 – THIS is best asset they purchased!  
  • 21:13 – Why did they choose to invest and build a Granny Flat?  
  • 23:23 – Releasing Equity & Starting a Family  
  • 24:57 – Going borderless!  
  • 27:38 – Would she do it again?  
  • 29:51 – The joint venture with the parents!  
  • 32:45 – Her pragmatic approach to rates and land tax 
  • 36:16 – Into the future: Kids growing up and outgrowing the family home?  
  • 38:04 – What does money mean to Amy?  
  • 40:59 – Why she wanted to come onto the couch!  
  • 44:07 – Key Takeaways  
  • 45:37 – What an incredible story! Thank you Amy! 😊  

437 | The Biggest Danger people face when looking at property data

When it comes to property investment, data is a very valuable tool for making informed decisions. However, looking at single data measures can be dangerous, especially when it comes to something as complex as the housing market. To truly understand affordability and sustainability, we need to consider a range of factors and look at the bigger picture.  

Take median house prices, for example. This is a commonly used statistic that can give us a general idea of the state of the housing market. However, by itself, it can be misleading.  

Folks, in episode 437, we have the perfect guest to help us unpack all things property data, what to look for and the dangers of looking at single data measures. We sat down with Kent Lardner, one of Australia’s best and most respected property data analysts. Kent has over 30 years’ experience in the industry focusing on property data and analytics. 

We will be diving deep into:  

🔣 The Dangers of looking at Single Data Measures  

🔣 Looking at Median House Prices as a descriptive statistic 

🔣 Affordability – What To Look For 

🔣 Are Rent Rises Sustainable? 

🔣 Kent’s craft and How it Influences his Decisions  

🔣 And of course, unpacking everything going on in the market today  

You’re in for a massive episode today that’s full of knowledge and insights into what to look for when analysing property data! 

Tune in now or watch the episode below 😊  >>


Free Stuff Mentioned… 

  • Looking for an investment-savvy mortgage broker? Book in a free, no-obligation consultation with our team who’ll steer you away from any myths towards financial freedom. Get your free appointment here >>  
  • Are you MoneyFIT? Find out in Moorr, your next-generation money management platform. Sign up online, or download the Apple or Google Play app now!

Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 00:00 – All the awesome stuff we’re covering today! 
  • 02:28 – Let’s talk about reviews… 
  • 09:24 – Mindset Minute…. Real estate cannot be lost or stolen 
  • 11:10 – Let’s welcome today’s guest…. Kent Lardner  
  • 12:58 – Just some of the reasons we are so excited to have Kent on the couch!! 
  • 13:18 – Let’s take a deeper dive into Kent’s money story growing up 
  • 15:10 – How humour in his family made growing up FUN 
  • 21:28 – The pivotal moment where things shifted from the sale of Price Finder!! 
  • 24:12 – RBA announcement – what does it mean? 
  • 32:07 – What does it mean for us folks when listings pause? 
  • 34:10 – The Dangers of Single Data Measure 
  • 34:47 – Unpacking Suburb Medians 
  • 35:04 – Utilising Time Trendlines… How things change over time 
  • 36:30 – SA1, SA2 and SA3…. What does this actually mean? 
  • 39:37 – What’s the big story??… 
  • 42:31 – New stock being released and the impact it has.. 
  • 43:32 – Volatility through time.. 
  • 44:13 – Hedonic indexes and accounting for variances 
  • 45:38 – Buying at property level, not suburb level 
  • 46:25 – Is the market tanking??? 
  • 46:42 – Why it is important not fall into the hysteria 
  • 47:30 – Creating confidence in analysing the data 
  • 47:32 – What data to analyse… 
  • 48:36 – Prices are tough… Why to look at listings!! 
  • 49:40 – Is a price crash looking likely? 
  • 50:15 – AFFORDABILITY…. What to look for! 
  • 53:02 – Why Rent rises are NOT sustainable 
  • 56:25 – Census data or CHAT GBT?  
  • 59:20 – What happens if markets detach from locals 
  • 1:04:20 – Kents Evergreen Metric for long term suburb growth 
  • 1:05:30 – How to correctly use Census data 
  • 1:06:15 – Using employment categories to analyse data 
  • 1:06:50 – Is it a solid rental market? 
  • 1:15:40 – How does mastering Kent’s craft influence his decisions 
  • 1:16:29 – What is causing Kent’s ANALYSIS PARALYSIS 


    • 1:18:00 – Thanks so much to you Kent for sharing your amazing knowledge  
    • 1:24:00 – Lifehack: Did you know about The Apple Focus function?? 


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417 | Home Deposits Made Simple – Chat with Julia Hartman, Michael Ragavan & James Bowe!

One of the greatest barriers that an investor will face when entering the property market is… 

Saving for a home deposit.  

With high housing values and a steadily rising cost of living, saving for that first big leap onto the property ladder can seem daunting to some and impossible to others.  

Here to part the sea of confusion and simplify home deposits, we’ve got a fantastic number of guests on the couch (In fact, this is the MOST guests we’ve had on at a single time 😮)  

Please welcome…  

Julia Hartman, founder of the Ban Tacs group and Chief Technical Tax Advisor for Empower Wealth Tax! No stranger to the couch, she’ll be breaking down the Australian government’s latest and greatest home deposit schemes to help you understand how you can maximise the benefits from it.  

Michael Ragavan from Our Leg Up, an innovative and revolutionary platform that seeks to tackle the problems around borrowing power, skyrocketing Lenders Mortgage Insurance (LMI) and Loan to Value Ratio (LVR) stopping investors from getting into the market. 

And last but not least…. 

James Bowe from OwnHome, a mind-blowingly cool product that helps home buyers pay off their mortgages while living in their property.  

Tune in as they dissect and break down the many ways people can save and afford their home deposit, and how it is possible to buy your home with just $35K!   

A super exciting, insightful and practical episode, listen in now!!  





P.S. We have NO commercial ties to any of these businesses – we just think the work their doing is life-changing stuff, and good enough to be shared with the community.  


Free Stuff Mentioned… 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – Here’s what we’re covering today… 
  • 3:59 – Is FOMU stopping you??  
  • 9:59 Welcome back Julia from Ban Tacs!  
  • 11:53 – THIS is why Julia wrote the blog!  
  • 13:11 – Is it possible to buy a home with $35K?!  
  • 14:35 – What is the First Home Buyers Guarantee (FHGB)?  
  • 15:37 – Here’s how it works… (You can read the blog here!)  
  • 19:09 – This is basically what you’re deciding… 
  • 20:43 Who would benefit MOST from this?? (+ who qualifies!)  
  • 22:20 – But what if I want that money back from my Super??  
  • 25:17 What does this look like...as a Sole Parent?  
  • 26:26 – You have to pass these 2 tests!  
  • 28:36 – As a Couple with Children  
  • 30:55 – As a Couple with no Children 
  • 35:01 – And, as a Single Person with no Children! 
  • 40:05 – South Australia: “It’s a brain drain for the other states!”  
  • 43:42 Meet Michael from Our Leg Up! (& what problems they’re trying to tackle!) 
  • 45:28 – How does “Our Leg Up” work?  
  • 47:25 – Rising LVR and LMI: What’s considered a good rate today?  
  • 48:59 – Let’s break it down: What’s a Charge (aka. Equity investment)?! 
  • 50:50 – “It’s lazy equity”  
  • 52:49 – How does this help first-home buyers??  
  • 53:55 – The process of developing Our Leg Up + what’s next!  
  • 55:01 – …and this is why it’s a Win-Win situation!  
  • 58:01 – If you’re interested, here’s how you can learn more! 
  • 58:40 – What criteria does Our Leg Up look for?  
  • 1:01:55 Meet James from OwnHome + the challenges their tackling… 
  • 1:03:49 – This is how the idea was born! 
  • 1:04:48 – How this 4-step journey works!  
  • 1:07:02 – “You share the capital growth”  
  • 1:08:24 – Who are they trying to help?  
  • 1:11:32 – How does OwnHome make money?  
  • 1:13:47 – Why is there a time expiration? 
  • 1:14:46 – Paying LMI, Capital Gains Tax & Stamp Duty!  
  • 1:20:28 – How do they get their Capital Reserve?  
  • 1:21:39 Limitations and future plans for this business! 


  • 1:24:54 – Julia’s Special Appearance Life Hack: CGT Record Keeping & the best way to do it! 
  • 1:29:56 NSW’s (great) Stamp duty legislation change!  


Free Report: Home Deposits Made Simple – Two Years at $200 Per Week and No LMI

This blog was originally posted on Ban Tacs and written by Julia Hartman, founder of the Ban Tacs group and Chief Technical Tax Advisor for Empower Wealth Tax. 

This report is referenced in Episode 417 | Home Deposits Made Simple – Chat with Julia, Michael & James! Give it a listen now. 

Combine the First Home Guarantee with the Super Saver Scheme to buy a home and nearly one-third of your deposit becomes tax savings.  If you have a child, the government will provide you with mortgage insurance at no cost, so you won’t need the full 20% deposit.

The ideal candidate for this arrangement is someone who is on a good income (this means the tax incentives are greater and they can afford the repayments on 95% of the purchase price) but are struggling to get a deposit together, possibly because of high rents in the area or recent difficulties that have passed.

While this blog assumes that the saver has not ever owned a house before, some of these concessions like the government guarantee for sole parents can apply to subsequent purchases of a home.  Individuals can also utilise the Super Saver Scheme, even if their partner has previously owned a home.


The First Home Owners Super Saver Scheme

This scheme allows you to withdraw some of your superannuation to buy your first home but will require you to make voluntary contributions first.  The gift is, these contributions can come from before-tax dollars.  If you play your cards right, this means you are only taxed at a rate of 15% on the earnings that you put aside for your home deposit.

For example, if you decide you can afford to save $200 per week from your take-home pay, here are the 2022-2023 tax rates:


If you earn $140,000 a year, your marginal tax rate is 39%. That means for every $10,000 you earn you only get to take home $6,100.  If instead, you put the money into super where it is only taxed at 15%, you will have $8,500 tucked away in super, saving for your deposit.

Now at $140,000, your employer will be putting $14,000 into super for you, under the guarantee.  In total, you can only have $27,500 in tax-effective (concessional) contributions a year.  To stay under the cap of $27,500 you could put an additional $13,500 into super to save for your home.  If you have been on similar or lower wages over the past couple of years but have not made any extra superannuation contributions, then you will have over $20,000 in unused cap.

This can be carried forward for up to 5 years allowing you to contribute more than $27,500. Under this super saving plan, you are allowed to contribute $15,000 a year, after the 15% tax.  That is a maximum contribution of $17,647 from your before-tax wages.  This can be achieved with just a little help from your accumulated unused caps from previous years.

In short, the scheme allows you to redirect $17,647 of your before-tax wage into super, leaving you $15,000 a year towards your deposit.  If instead, you had taken the $17,647 as wages you would have lost 39% in tax leaving only 10,764 or $207 per week in take-home pay.  This arrangement will increase the amount you can save by nearly 50%.

Note: If you have already made some voluntary contributions to super these may also qualify to be withdrawn to buy a home. 

At the end of two years, you have a $30,000 deposit, plus a bit of earnings and hopefully some savings too.  Let’s say you have $35,000 to use as a deposit plus savings for the stamp duty which should be minimal on your first home.


The Technicalities:

In the tax return for the year that you withdraw your deposit from the super fund, you need to include the amount in your tax return but you get a 30% tax offset.  For many people now that might mean a top-up tax of 9%.  That is their tax rate is 39% including Medicare so 9% after the tax offset.  But from 1st July 2024 people earning between $45,000 and $200,000 will only have a tax rate of 30% so the offset will fully cancel all the tax. This means you will need to pay the Medicare levy. If you are reading about this now then you probably won’t be ready to withdraw until after 1st July 2024.

What happens if you decide not to buy?  You have at least 12 months to find a property with an automatic extension of another 12 months but if you still haven’t purchased a home and don’t want to put the money back into super you will be taxed at a further 20% on the amount.

In both cases make sure you have private health insurance if this is going to take your income as a single person with no children beyond $90,000 or a couple combining beyond $180,000.

You must apply for a release of the funds before signing a contract

Once your savings have been released, you have up to 12 months (or other period allowed) from the date you requested the release of FHSS amounts to sign a contract to purchase or construct a home.

The contract you enter into has to be for a residential premise located in Australia. It cannot be any of the following types of property:

  • any premises not capable of being occupied as a residence
  • a houseboat
  • a motor home
  • vacant land except for house and land packages.

Note: If you purchase vacant land to build a home on, it is the contract to construct your home that must be entered into to meet the FHSS scheme requirements. The contract to construct that home must be entered into within 12 months (or other period allowed) from the date you requested a release. In this situation, you must not have purchased the vacant land before applying for a FHSS determination.


How to Buy a House with $35,000

A lot depends on the price of houses in the area you want to buy in but there are also incentives for families.  Here is a guide to how much you will have available to spend, without having to pay Lenders Mortgage Insurance, depending on the dynamics of your household.

It is important to note that there are two tests you need to pass with the bank and it doesn’t matter how well you do on one, you still have to pass the other.

  • The first test is having enough deposit. This is achieved without mortgage insurance by either having saved 20% of the house price or qualifying for the government deposit guarantee discussed further on.
  • The second test is your ability to meet the repayments, which is determined by how much you borrow in relation to how much you earn and your family dynamics. Here is a link to a useful calculator to help you calculate this.

The following addresses your family dynamics and what your $35,000 deposit will allow you to buy.  You still need to run through the calculator (from the second test) above to make sure the bank will lend you that much.  That is the catch with low deposit borrowings.  If you only have a 5% deposit then you have to pay off a whopping 95% of the purchase price whereas a 20% deposit for the same house will result in a much smaller loan and smaller repayments because you are only paying back 80% of the purchase price.

Here is the plan based on your family dynamics; continue reading even if you are single as there is a plan for you too.

The catch is these guarantees have a limited number of places and are touted as family housing assistance, so it is assumed that having children will help.  In particular, single people with children can qualify with as little as a 2% deposit.  Nevertheless, let’s look at a few scenarios to show how any household dynamic can buy a house in 2 years.

Sole Parent – The government will guarantee your deposit when you have as little as 2% but you still have to be able to afford to pay off the 98%.  If you have $35,000 plus stamp duty as a deposit then you can borrow $1.715 mil but, of course, you probably can’t afford the repayments on such a large loan.  The point here is it’s not the deposit that will hold you back but t your ability to repay the loan. You can check your ability by using this calculator to see what the banks will lend you. If you have a good income, however, you should have no problem getting a modest home in most parts of Australia.

Couple with Children – The government will guarantee your deposit when you have as little as a 5% deposit.  The “ability to repay” test should be a lot easier to pass with two incomes and with two incomes over the last 2 years you may have managed to save two lots of $35,000.  But let’s say you haven’t had two incomes for the last 2 years because one parent has been at home with the children.  Now they have returned to work, your savings are diminished but you have stuck with the Super Savings Scheme for the working spouse so together you have just $35,000.  From a deposit point of view, this will allow you to borrow $665,000, allowing you to purchase a house for $700,000 assuming, now that you are back on 2 incomes, that you can afford the repayments on $665,000.  This might not get you into inner Sydney but it should get you into most areas.

Couple with no Children –  You may not qualify for the government guarantee on your deposit unless you move to South Australia – see more information below.  Nevertheless, don’t give up on avoiding Lenders Mortgage Insurance!Let’s see how you can get the 20% deposit together.  If you have no children then both of you can participate in the Super Savings Scheme so you will have a $70,000 deposit which will allow you to borrow $280,000 which, on two incomes you should have no problem repaying.  The trouble is this only gives you $350,000 to spend on a property so possible, but very limiting.  Just one extra year of saving through super will give you a $105,000 deposit allowing you to buy a property worth $525,000 which is getting much closer to the mark.

Single Person no Children –   You should seriously consider moving to South Australia while you have no family commitments and taking advantage of their 3% deposit guarantee, more details below.

Otherwise, let’s look at how you could get together a full 20% deposit.  With only one income, the ability to repay the loan may be an issue.  Use this calculator to see what the banks will lend you.  While the $35,000 from the Super Saver Scheme will certainly help, you are going to have to save another $300 per week out of your take-home pay over those 2 years, and even then you will only be able to spend around $350,000.  You may need more time, a second job, perhaps move to South Australia, live a frugal lifestyle for 2 years, move back in with your parents or decentralize but it will be worth it.  Two years is not that much time in your whole lifetime to get to the next level of wealth creation.  It is that first house that is the hurdle, after that you have a great source of cheap borrowings for further investment.

If you do make some extra savings over and above the contributions to Super, consider living off them at the start of the third financial year of saving so that you can contribute all of your wages into super for a few months to get the tax benefits on another $15,000.  The maximum is $50,000.


How the Federal Government Guarantee of Your Deposit Works

The places for this are limited and released each year so it is a step of faith to save through super with this in mind but as you can always choose to withdraw those savings from super and pay the top-up tax, it is no longer a case of “buy a home or your savings are lost until you retire.”

If you qualify for the government guarantee, the bank treats you as having a full 20% deposit for that side of the 2 tests.  They don’t charge you mortgage insurance on the shortfall because the government is the mortgage insurer.  Of course, you still need to repay the full amount that you are borrowing.  To be clear, the government are only guaranteeing your deposit, not paying for it.  So if the government offers a 15% guarantee because you only have a 5% deposit you still have to make repayments on 95% of the purchase price, which is test number 2.

This guarantee also has an income cap of $125,000 for singles and $200,000 for couples but this is as per your notice of assessment, taxable income.  This means that those contributions to super will not be counted as your income for this test.  A win-win!

You also need to be an Australian resident over 18 intending to live in the property.  There is also a cap on how much the property can cost depending on the location – you can go to this page and put in your area’s postcode to determine the cap on specific locations.

For more information, click here.


How the State Government Guarantee of your Deposit Works in South Australia

How clever is South Australia!  This is the perfect scheme to attract skilled labour to the state.  To qualify for this government guarantee you have to have an education level of certificate III or higher and live in or move to South Australia.

The lender is a South Australian Government organization and they only require a 3% deposit provided you can afford to pay off a loan for the other 97%.  Houses are generally cheaper in South Australia as it is.

For more information, click here. 


Ultimately the message is, don’t give up. House ownership can be done!

To read the original blog on BAN TACS – National Accountants Group, click here. 


415 | When Do Out-Of-Pocket Costs Become Too Much?

One person doesn’t know if their properties are worth the out-of-pocket costs. 💸 

Another couple isn’t sure if they should strike when the market is hot….or if it’s best to wait. 

And another investor just wants to know, ‘Are we absolutely sure that Queensland’s Land Tax is off the table?!?’  


We’re back with another mega-exciting Q&A Day that speaks to the Psychology of Investing, especially in an environment with rising costs and interest rates. 😮  

From the common mindset blocks that investors face (like loss aversion and sunk cost) to how you can carve a path for yourself when you just don’t know what to do next…  

We’re unpacking why investing isn’t for everyone, the Quality of Living trade-offs, how and why you’d want to split your variable and fixed rates and tons more wisdom!  

Basically folks, this episode has a bit of gold (and anxious feelings) that we can all relate to.  

PLUS, Bryce and Ben unpack and explain CoreLogic’s recent release on the 2022-23 Federal Budget and what the RBA’s recent rate hike reflects about us as consumers.  

Another fantastic episode filled with your awesome questions, tune in now folks!  



P.S. And if you want help identifying the next step on your investing path, book a free, 100% no-obligation consultation with our award-winning team of Property Investment Advisors here.  


Questions We Answer

Question 1: Anonymous on Confirmation that QLD Land tax is off the table 

Hi Ben 

I’m a property investor contemplating my next purchase.  

I heard that due to lack of support QLD’s premier has had to back-track on her proposed new land tax which would see the subject tax calculated on one’s total Australian land holdings (where before was only based on holdings in QLD).  

Reason I am touching base is the QLD premier stated she would have to revoke the proposal and would have to be tabled and passed in parliament. Not understanding this process, I wondered if you might know whether the proposal has been formally revoked and/or if you can advise how or where I could direct this enquiry to obtain absolute proof this land tax is now off the table.  

LOL, there is no way I would want to proceed buying in QLD knowing the new land tax could send me broke.  I need to see it set in stone.  😂 Thanks for any help you can offer. 


Question 2: Travis on Out of pocket expenses to maintain to IP 

Hi gents hope you are well. 

My question and advice relates to out-of-pocket expenses for me to hold 2 investment properties, because at the moment after all costs and tax rebates I’m around 15-18k PA out of pocket. I own a ppr and have a vic & qld IP.  

My Moorr platform is up to date and has me in the surplus of 4K per month but only at the moment. 

My issue is I don’t see current benefits with the high out of pocket expenses which are only going to increase & a couple of costly expenses to address on each property with water issues one being a requirement to put in a pit drain to tackle storm water and the other a fixed awning to combat heavy rain over a balcony, 4K and 3.5k respectively. 

With all this expense and the impact on quality of life due to concerns of having to pay for the next big cost I wonder if it’s even worth it. 

I have spoken with my advisor and informs me it’s ok but I wonder if this is sustainable or do I sell out for a more comfortable quality of living. 

I appreciate that there is some sacrifices but 15-18k YOY with little prospect of that moving to a favorable portfolio holding I just don’t see. 

To add there will be continuous improvements to spend in the coming years just to keep up with the age of the properties and keep them fresh I don’t feel rental increases will help the catch up. 

Please share your advice and thoughts. 


Question 3: Rose on A question on paying investment loans 

Hi Ben and Bryce, 

This is Rose, I love the podcast and have really enjoyed the personal stories in your summer series. I’ve never heard of financial anorexia before, but I definitely have it. So I was wondering if you could give me some guidance. 

I bought a small investment property August 2021. I had a lucky guess that interest rates where going to go up sooner than the RBA was suggesting, and I fixed the whole loan at a lower rate than the bank offered for the variable. 

However, this means I don’t have an offset account and I’m only aloud to pay off extra up to a limited amount per year. 

This is an investment loan, and the property is positively geared. 

I’ve heard old adages about how you shouldn’t pay off investment loans because they’re tax deductible, but the saver in me wants to pay down the loan. 

So I’m asking you two as the experts, should I still pay off extra on my property investment loan now, while I have a low rate for a few years, or just keep paying back the minimum and invest the extra money elsewhere?

Question 4: K on Using equity – the now or never mentality 

Hey gents,

Thirty-something female listener here from Sydney, and big fan of all your work. You made lockdown liveable – thank you.

While I have met with one of your team already for a free consultation, I have to say I am finding taking the plunge my biggest challenge

My partner and I will be having a baby within a year, and have some modest “rainy day” savings in our offset – which took a few years to build. We purchased our home (PPR) in late 2020 and also have an investment property (unit) in Sydney purchased in 2018.

We now have a window of opportunity to use the equity in our home and investment property to buy our next investment and scale up.

I note in a recent Q&A episode you talked about borrowing capacity (for some) decreasing over time and becoming a tad harder, plus the mortgage environment will be generally more challenging with interest rates hikes etc.

I am not afraid of the macro changes going on in the world too much, but the ultimate question is: do we strike while the iron is hot, or wait?

The challenges ahead aren’t small (new human on the way, parental leave considerations, reduced income, rising interest rates etc)?

Please help.
K, Sydney.


Free Stuff Mentioned… 

  • Other Episodes Mentioned:  


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – This week we’re tackling… 
  • 1:21 We’ve had a MASSIVE upgrade to our Lifestyle By Design platform!! Check it out here.  
  • 7:44 Quick Recap: CoreLogic, the RBA rate hike & Hot Property Data 
  • 10:33 – Feeling uneasy? This is what you should do. 
  • 13:02 Here’s how a previous TPC Guest is implementing our lessons…. 
  • 16:01 Why you should chase your curiosity!  
  • 17:28 Q1) Confirmation that QLD Land Tax is off the table 
  • 18:35 The process behind amending legislation like this!  
  • 20:40 Off-Ramping: Why you shouldn’t be concerned…. 
  • 24:03 Q2) Out-of-pocket expenses to maintain an IP 
  • 26:00 This a classic conundrum that investors face…  
  • 27:56 The Psychology of Investing: Sum Cost, Loss Aversion & Comfortable Quality of Living 
  • 29:06 – Over the long term, THIS disappears… 
  • 30:25  Here’s how Travis can face his anxiety 
  • 31:47 THIS is why some people aren’t suited to be property investors
  • 33:28 “You don’t believe it”  
  • 36:45 Why investing is just like a bottle of wine… 
  • 39:16 Q3) A question on paying investment loans 
  • 40:19 What is Financial Anorexia?  
  • 41:20 Some of the catches to consider…  
  • 42:49 How to split your variable and fixed rates  
  • 44:18 Ben’s Answer (In theory)  
  • 46:01 What’s the benefit of going part-variable?  
  • 46:51 Q4) Using equity – the now or never mentality  
  • 48:29 Why you should focus on long-term horizons!  
  • 51:04 How to find your pathway forward…(Psstt…if you’d like help with this, why not book a free, no-obligation consultation with one of our highly qualified Property Wealth Planning advisors here.)  
  • 54:30 The 3 Golden Dials!  
  • 57:03 – How we make the “Invisible, Visible” 


  • 1:01:47 Made a mistake on your iPhone calculator? Here’s how you can wipe your last move 
  • 1:02:58 Why Re-grading Property Investment in Cairns is outrageous!  
  • 1:08:08 Keep the Qs coming folks! Submit them on Speakpipe.  



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