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499 | Why Choose an Investment Savvy Broker? – Chat with Brad Fraser

 

To give you an inside look at the real workings of mortgage broking, we’ve brought in an incredible broker from our investment savvy team…  

Please welcome Brad Fraser! 🙌  

We’re delving deep into the heart of this industry with two compelling real-life scenarios:     

🏡 First homebuyers: This young couple doesn’t want to compromise on their dream home yet are limited in borrowing capacity. How do we solve this with no net loss?   

💼 Aspiring Property investor: A young investor wants to buy his first investment property. Why did we initially say no, and how do we solve this problem amidst rising rates?   

Plus, we unpack Brad’s money story, which follows him as he pivots from spending it all to becoming the financial guru he is today.   

It’s an episode highlighting the importance of using an investment savvy broker who takes a holistic approach to your investment journey. Tune in now! 😊   

 

P.S. It’s our 500th episode next week! 🎉 Tune in for an exclusive guest appearance by a world-renowned sports psychologist and get the chance to win his $499 course for free.  Be among the first to know when it goes live 👉 https://bit.ly/3Xzvots 

 

Free Stuff Mentioned

  • This is the last week to help property investors across Australia:  
    • NSW’s No-Grounds Evictions:
      • Action 1 – Complete the consumer survey against the No Grounds Termination of Residential Tenancy Agreements  
      • Action 2 – Complete PICA’s Survey on why would you evict a tenant  
    • Victoria’s changes to minimum standards:   

 

Timestamps

  • 0:00 – Why Choose an Investment Savvy Broker?    
  • 2:15 – PICA webinar replay & have your say in legislative changes  
  • 3:51 – Mindset Minute: “Courage is not the absence of FEAR, but the triumph over it…” 
  • 4:46 – Welcome, Brad! 
  • 5:20 – Money Story: From scarcity mindsets to surf brands  
  • 11:58 – His life-changing shock at 18 years old  
  • 16:44 – Stepping stones to becoming a better saver  
  • 18:48 – The power of shared goals  
  • 19:46 – “How does money work?”  
  • 20:55 – What does the investment-savvy broker look like?  
  • 23:43 – Holistic Views vs. Product Selection  
  • 27:07 – Case Study #1: First Homebuyers   
  • 29:01 – The Problem: Reserved debts, smaller deposits & disappointments  
  • 33:55 – How we increased their borrowing capacity 
  • 37:24 – The genius behind Brad’s plan: No net loss?!  
  • 40:15 – Why it’s also about educating the client 
  • 41:05 – We didn’t use third-tier lenders; this is why. 
  • 43:04 – Case Study #2: Aspiring Property Investor  
  • 45:55 – The Problem: It wasn’t the right time to buy a property?  
  • 49:15 – Rising rates & the role of Buyers Agents 
  • 52:07 – The first lender isn’t your forever lender! 
  • 56:38 Why does Brad do mortgage broking?  
  • 57:16 – Ben’s meaningful moment in his broking career  
  • 59:19 – Book a free initial consultation with our team of investment savvy brokers!  

And…

  • 59:44 – Lifehack: Turn your phone into a Nokia 3315!  
  • 1:01:52 – WMPN: NSW Gov increases taxes for property investors and RBA correction 
  • 1:04:05 – 500th episode next week! 😮  

 

497 | Why NOT to Invest in Property Until 2036!

 

Seb and Bronnie (Note: Names have been changed for privacy) came to us with plans to invest in property but left with a completely unexpected strategy.  

Our advice: “DON’T invest in property until 2036”?! 😲🏡 

And in our second case study, Adam and Jacinta had a solid investment plan until an unexpected event changed everything.  

Despite Adam’s financial expertise and their three investment properties, he found himself saying, “I can’t work it out like I usually can.” So how did we help them navigate this change, free up cash, and still secure their dream family home?  

In today’s insightful episode, we’re sharing the stories of two real couples grappling with significant life decisions.  

Tune in to learn about the personalised plans we crafted for them, enabling each couple to achieve their dream home and lifestyle with the right strategy and sequencing. 

  

P.S. What’s the common thread in these case studies? The “new-age” misconception of Rentvesting. Listen now to find out if you’ve misunderstood it too! 

 

Free Stuff Mentioned

 

Timestamps

  • 0:00 – Why NOT to Invest in Property Until 2036! 
  • 1:28 – Bryce didn’t watch the game, THIS happened…  
  • 3:58 – Mindset Minute: Your alter ego can change your money story. Here’s how.   
  • 8:12 – Case Study 1: Is Rentvesting Just A Poster Child Strategy?  
  • 11:52 – The Problem: When the job clashes with your dream home!   
  • 13:43 – These folks have a strategic advantage in the property game…  
  • 16:05 – The $1.7M “pennydrop moment” that changed everything  
  • 18:27– The Solution: A Starter home?!  
  • 19:20 – Pure Vs. New-Age Rentvesting  
  • 22:17 – The Counterintuitive Strategy: Don’t buy until 2036!?  
  • 24:00 – Who does the tax system favour most? 
  • 26:43 – The Flow on Effect: 50% LVR on their dream home  
  • 28:40 – Why a Property Plan isn’t just about investment properties!  
  • 34:10 – Their Timeline & Outcome: $2,300 weekly in retirement  
  • 35:45 –  Internal Transformation: “They high-fived Amanda through the screen with excitement”   
  • 41:14 – Are we pro-rentvesting?  
  • 45:10 – Case Study 2: The Plan Curveball  
  • 46:22 – The Problem: “We need a plan we can stick to, but I can’t work it out like I usually can.”  
  • 51:17 – The borrowing capacity surprise  
  • 53:38 – Focus on the simple strategy!  
  • 54:22 – What’s the plan? Family homes, freeing up cash and investing later  
  • 56:28 – The Achievement: “Passive without the pressure”  

And…

  • 58:19 – Lifehack: Going through a tough time? Diary notes it for 30 days’ time.  
  • 1:00:38 – WMPN: CoreLogic’s May Results: Where are house prices across Australia?  

 

450 | Thriving After Divorce – Rebuilding Wealth & Renewing Spirit – Chat with Adam Crane

It’s that time of year again, folks! Today marks the exciting beginning of our highly anticipated 2023 Winter Series. 

Get ready for an extraordinary lineup of guests, each with their own awe-inspiring stories that revolve around this year’s captivating theme: “What Drove You To Act.” 

Drawing inspiration from those pivotal moments we see in movies, the light bulb moments and “A-ha” breakthroughs, we delve into the driving forces behind every successful investor’s property journey. 

We kickstart this incredible series with our first guest, Adam. Join us on this transformative journey as we uncover the importance of prioritizing the “big rocks” in the jar of life. We’ll flip the pages and delve into strategies for building resilience, even when confidence takes a hit. 

We navigate the complexities of finances with insights on the “sleep at night tax” and the power of compromise and sacrifice. We’ll confront the venomous obstacles that can hinder progress and emphasize the crucial role of honesty and openness. 

Prepare to wade through murky waters, armed with the tools and knowledge to come out stronger on the other side. Reflecting on our experiences takes courage, however, Adam reminds us that amidst the challenges, it’s essential to enjoy yourself and reward your efforts when times are good. 

Join us as we unlock the potential of sonic tools and discover why a poor man pays twice. And of course, we’ll sprinkle in some light-heartedness with a mention of Spaghetti Bolognese. 

Tune in now or watch the episode below

 

 

Here’s some of the gold we cover… 

  • 1:53 – Welcome to our Winter Series and our first guest Adam Crane
  • 7:50 – Living within your means
  • 8:20 – Modelled on delayed gratification
  • 10:35 – The cut-off
  • 12:40 – FOMO fed my savings
  • 16:35 – If my bank account is good, I sleep better
  • 22:00 – The paradigm shift
  • 22:45 – What to expect with unexpected life events
  • 23:00 – THE BIG ROCKS IN THE JAR!!!
  • 23:50 – Point of weakness or point of strength?
  • 24:35 – Gaining back the 1%
  • 25:30 – Resilient building
  • 27:05 – Taking a confidence hit
  • 28:40 – Harder to tap out
  • 29:45 – Sleep at night tax??
  • 30:35 – Compromise and sacrifice
  • 31:20 – Easy to say, much harder to practise
  • 31:30 – Venom that exists
  • 32:20 – Honesty and openness is key
  • 33:10 – Through murky waters!!
  • 34:10 – Takes a bigger person to look back
  • 41:00 – What a side hustle…. Sonic Tools, check it out 
  • 42:14 – Obsessed with the surplus number
  • 42:22 – A poor man pays twice….
  • 44:55 – Spaghetti Bolognese….
  • 46:50 – Why you must enjoy yourself too!!!
  • 49:00 – When times are good, you must reward yourself!
  • 54:05 – The trap you fall into
  • 58:30 – Money hacks

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

Get Moorr out of your money:

Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

449 | Secrets of Bank Foreclosures and the Debt Spiral – Chat with Laurence Hugo

In our latest episode, we had the privilege of sitting down with Laurence Hugo, a true master in the art of negotiation with over three decades of experience in the dynamic worlds of banking and debt management. Prepare to have your expectations shattered because this conversation is anything but dry folks!!! It’s a treasure trove of wisdom and practical solutions for all your financial challenges. 

With his extensive expertise, Laurence specialises in guiding both individuals and businesses through the intricate process of debt settlement. His proven track record includes helping clients secure partial or even complete debt waivers, offering them a much-needed fresh start. 

Laurence’s impact goes beyond his impressive resume. He is a true trailblazer who has revolutionised the Debt Negotiation industry. His innovative approach has transformed the way debt negotiations are carried out, ensuring that individuals and organisations can navigate the landscape of debt management with greater ease and effectiveness. 

Here are some of the key themes we unpack: 

  • Changing the approach and seeing things from a new perspective 
  • How can we triumph in the face of adversity? 
  • Assessing actions and understanding the risks 
  • How to not let financial challenges become a lifelong prison 

If you’re ready to gain invaluable insights and discover practical strategies for overcoming financial hurdles, then this episode is a must-listen. Get ready to be inspired and empowered as Laurence shares his expertise and reshapes the way you perceive the world of debt management. 

There is absolute gold in here for EVERYONE!! 

Don’t miss out on our latest Q&A episode folks!!  Tune in now or watch the episode below

 

Here’s some of the gold we cover… 

  • 2:12 – Mindset Minute 
  • 7:30 – Welcome to The Couch Laurence Hugo 
  • 11:20 – Learning quick about the value of money  
  • 20:45 – 2 different categories  
  • 21:45 – Different animal to banks 
  • 23:20 – Change your highlighter colours!! 
  • 24:40 – Dealing with the problem! 
  • 25:35 – How can you win? 
  • 27:20 – What am I doing? 
  • 28:22 – Risks of an upside-down mortgage 
  • 29:00 – 7 years of arrears???? 
  • 30:00 – If you are facing arrears…. What should you do  
  • 31:40 – Snail’s pace  
  • 32:05 – Communication is EVERYTHING 
  • 32:35 – Banks are made up of human beings!!! 
  • 33:50 – THE ONLY OPTION….. 
  • 35:06 – Keeping control of the process 
  • 39:40 – Overlooking key features!! 
  • 41:40 – Why use a negotiator? 
  • 42:20 – What response are they looking for? 
  • 45:40 – What are those breaches? 
  • 47:15 – Connecting the decision-makers 
  • 48:55 – Debt spiral 
  • 51:40 – Lifelong prison!!! 
  • 52:10 – No one size fits all… 
  • 54:50 – Butterflies and birds… 
  • 56:10 – What is the key time of the month? 
  • 57:00 – Such a clever tactic!! 
  • 1:00:50 – It’s too good to be true!!! 
  • 1:03:20 – Let’s go upstream!!! 
  • 1:04:00 – Good debt vs bad debt 
  • 1:07:15 – That lifeline call that helped make a difference 
  • 1:10:10 – Aiming for being HAPPY in the first place 
  • 1:10:35 – The key to happiness!! 
  • 1:10:50 – The 5 regrets of the dying!!! 
  • 1:11:25 Correlating money to values… 
  • 1:16:56 – If this has raised any concerns, please call Lifeline on 13 11 14 
  • AND…. 
  • 1:23:25 – Life Hack 
  • 1:25:50 – What’s Making Property News 

Please reach out to Laurence and his team of qualified financial experts who will handle your case with sensitivity and respect.

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

Get Moorr out of your money:

Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

Why Investors are Needed to Solve the Affordability Crisis – Bonus Episode with Matt from Aussie Firebug May ’23

In May, we had the privilege of being featured on the highly regarded Aussie Fire Bug podcast. We delved into the origins of property acquisition, discussing the humble beginnings that led us on our respective journeys. Additionally, we explored the pressing issue of the Australian housing crisis, dissecting the multifaceted implications and exploring potential solutions.  

These are the key themes we unpack: 

  • How Ben and I originally made a connection  
  • Property investing guidelines and regulations  
  • We dive deep into our investing strategy/philosophy 
  • The Australian Housing and rental crisis  
  • Active property investing vs passive share market investing  
  • Are property investors adding to affordability issues or are they being used as political scapegoats?  
  • How The Property Couch podcast got started  

We extend our gratitude to the Aussie Fire Bug podcast for providing us with a platform to share our insights and engage in meaningful discussions. We hope to continue to inspire and empower our community in pursuit of financial literacy and success.  

Don’t miss this awesome bonus episode folks!  

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

Get Moorr out of your money:

Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 

 

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