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

By The Property Couch August 20, 2015 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?
Capital 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/

020 | Science of Asset Selection – The Buyer’s Decision Quadrant

By The Property Couch July 16, 2015 in Podcast, Property Investment

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There are many factors at play when looking for an investment property, but did you know there’s actually a science behind selecting assets?

Yep that’s right folks! This science is called: The Buyer’s Decision Quadrant!

It’s made up of…

Price
Location
Land Proportion
Quality of Dwelling

We’ll explain what each one means, and while the concept is quite simple, the real achievement is understanding which part of the quadrant you are willing to compromise on and which is non-negotiable.

We’re also looking at some great case studies (one of which started out fictional…until someone rang up Bryce to share the almost exact financial and personal story!!)…

…and comparing 1970s and 1990s apartments, and which one has fared better over time!

Folks, it is rare for an investment property to tick all the boxes, and most of the time, you will need to journey through the Buyer’s Decision Quadrant to make the right decision for you!

So keep this episode on repeat ‘cos we think this one will help with making those hard decisions again and again!

Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 in the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid making bad investment choices! If you think we are doing a good job, please do nominate us.

Our details for nomination below:

Name of the Organisation: The Property Couch
Name of the Person you deal with: Bryce Holdaway and Ben Kingsley
Suburb: North Melbourne
State: VIC
Phone number: 03 9326 8900
Email address: [email protected]

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 will show you all the basics! Fill in the form below and we’ll email it to you right away.

First Name *

Last Name *

Email *

Tick this box to sign up for marketing and other free materials such as videos, calculators, reports and more – you can unsubscribe at any time.
Check out Bryce’s “Earn $2500 A Week at Retirement” article which was featured in Money Magazine.

Here’s some of the gold we cover…

2:08 – What is the Buyer’s Decision Quadrant?
3:00 – Quadrant #1
5:25 – Quadrant #2
6:17 – How THIS can make up for the selecting the wrong property
9:25 – Listen to this cookbook analogy (pure gold!)
11:50 – How Bryce’s fictional case study became non-fiction
13:53 – Quadrant #3
15:04 – Quadrant #4
15:22 – A real example: Family with 2 young kids
16:22 – The future of the Australian property market!
17:07 – Ask yourselves these questions before buying…
18:50 – Do you want to be an active or passive investor?
20:06 – Comparing 1970s and 1990s apartments
23:45 – If you’re checking out our podcast on our website…

019 | Four Ways an Investor Will Pay

By The Property Couch July 10, 2015 in Podcast, Property Investment, Real life stories

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So we’re saying…. swimming pools are bad?!

Building off last week’s episode on the advantages of using a Buyers Agent, we’re looking at the 4 ways an investor will pay…

Buying the wrong _____
By falling into THIS habit
By ____too much
By acquiring THIS information

We’ll be explaining why swimming pools can mean trouble for investors…

(Just like Bryce’s elevator situation from his first investment – listen in so you don’t make the same mistake!)

We’ll also share personal experiences, client stories AND delve more into how the Property Investment Professionals of Australia (PIPA) can help provide credible advice!

Now, it’s up to you which way you pay (hint: we think you’ll want the fourth option), but we’re unpacking what each method will mean over the long term.

PLUS we’re highlighting WHERE you should avoid having an ego explosion…and linking it to lessons learned in previous episodes.

Is this the first episode you’re listening to? We recommend going back to the start and listening on 1.2x speed – we promise it’ll help you build your knowledge waaay faster!

But if you’re up to date – congrats! Tune in now to best understand your options when buying a property!

Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 in the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid bad investment choices and buying the wrong asset!!

Our details for nomination below:

Free Stuff Mentioned

Summary Video – Four Ways a Property Investor will Pay
RBA July 2015 Announcement
Check out the Property Investment Professionals of Australia (PIPA) to verify the professionals you’re working with!
Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which will show you all the basics! Fill in the form below and we’ll email it to you right away.

First Name *

Last Name *

Email *

Tick this box to sign up for marketing and other free materials such as videos, calculators, reports and more – you can unsubscribe at any time.

Here’s some of the gold we cover…

2:02 – The four ways on investor will pay…
2:45 – #1: Buying the wrong ______
3:20 – When you’re talking about return on investment, you’re REALLY talking about…
6:47 – Why swimming pools can be bad for investors
10:37 – Two personal examples from Bryce
13:08 – Don’t be like these investors!
15:23 – #2: By falling into THIS habit
16:42 – We hear this WAY too much…
18:29 – #3: By ____ too much
19:20 – Don’t let your ego get in the way!
20:25 – #4: By acquiring THIS information
21:17 – Why you should ask for qualifications
23:09 – How PIPA can help verify the professionals you’re working with

Four Ways a Property Investor will Pay

By Bryce Holdaway July 10, 2015 in Free Resources, Property Investment, Videos

With all the educational materials from this podcast to articles and videos that Bryce and Ben provides, a lot of property investors have an impression that we are encouraging them to DIY when it comes to investing in property. The fact is, we are not. Instead, what we are hoping to achieve is to raise awareness on how the industry works and help investors understand the process more and hopefully, when their advisor consulted them on an issue, the investors would make a better decision. So in this video, Bryce explains what are the Four Ways a Property Investor will Pay. Start watching it today.

Bryce Holdaway – Partner, Property Advisor & Buyers Agent

As co-host of The Property Couch, Bryce Holdaway is also a partner at Empower Wealth and Co-Host of Relocation Relocation Australia and Location Location Location Australia on Foxtel’s Lifestyle Channel. A qualified Buyers Agent and Financial Planner, Bryce holds a Bachelor of Commerce (Accounting), Real Estate Agent License and Diploma in Financial Services (Financial Planning).

016 (Part 1) | The 5 Essential Steps to Property Investing in Australia

By The Property Couch June 19, 2015 in Podcast, Property Investment

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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…

Clarify (Understanding your personal financial story, and your properties’ potential)
Evaluate (This is the art of understanding your cash flow – basically, crunching those numbers)
Plan (Putting a written plan into place)

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

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-page cheat sheet?

The foundational knowledge from each of the first 20 episodes
The absolute GOLD that you should not miss out on!
Quotes from Bryce and Ben that will make all the difference
Links to all the free resources that they mention in the episodes
Additional bonuses that will help you in further understanding the fundamentals
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.

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 to 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 – The art of understanding…
15:45 – Why our simulator is so beneficial
16:27 – The 3 areas your money MUST cover…
16:57 – Real life 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 (QPIA)? Use the Search Function on the 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 of building a unique and tailored Property Portfolio Plan just for you. You can learn more about our free and no-obligations initial consultation here.

Free Stuff Mentioned

Here’s some of the gold we cover…

Free Stuff Mentioned

Here’s some of the gold we cover…

Free Stuff Mentioned

Here’s what it looks like inside!!

What to expect in this 90-page cheat sheet?

Here’s some of the gold we cover…

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Free Resources

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