484 | Cracking the Code: Mastering the 60% Land to Asset Ratio


With soaring immigration and construction hitting historic lows, Australia’s property market faces an accommodation crisis. 

In Bryce’s words, “Disincentives have been happening for over a decade.”   

Kicking off our first Q&A session for 2024, we’re diving into the widespread economic and political factors that have become “the perfect recipe” for today’s housing crisis.  

We also dissect how to master the 60% of land-to-asset ratios and tackle this burning question:   

Is Brisbane a wise choice for investment with the 2032 Olympics on the horizon? Can we anticipate a property surge post-game? 

 Tune in now to find out! 


P.S. Happy International Women’s Day! To celebrate all the incredible women in our lives, how far we’ve come, and the work still to be done, we’ve got a special message from some of our great friends and past guests on The Property Couch. 


Free Stuff Mentioned

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  • Previous Episodes mentioned: 480 | How to FAIL to Retire on $2K Per Week 


Graphs mentioned

484 - Q2 Land to Value Ratios


Questions We Answer 

 Q1) Investment in Brisbane for 2032 Olympics from Jeremy  

“Hey Bryce and Ben, this is Jeremy from Brisbane. 

I’ve been listening to you guys now for approximately five months after I discovered your book. I’m up to episode 95 today, plus the one a week that you release. 

With this level of immersion, I think I’m actually hearing you guys talk in my dreams. I think I’ve finally got past the foreign language sign ups too, which is a big step. 

I really appreciate what you guys are offering with your knowledge and insight based on your experiences and expertise, it’s really helping me personally to make better choices in regards to where I’m coming with my investments. 

Anyway, the question is, what do you think about investing in the areas that are being upgraded for the upcoming Olympics in Brisbane? 

Do you think they will be good up until then and then crash, or at least decline? 

Or you believe that the infrastructure in the area will then support the growth for years to come? 

Thanks boys. Appreciate your help and keep up with work” 


Q2) Land to Asset Ratio from Bronwyn 

 “Hi Ben and Bryce, my name is Bronwyn and I just wanted to ask a general question in regards to Land values. We talk about Land to Asset ratios when purchasing property.  

I do have a property, and this doesn’t need to be generally specific to that property, but the council valuations or government valuations on the land are far lower than what land is being sold for in the area.   

I just wanted to understand when you’re looking at land to asset ratios, which land value were we actually utilizing to get our percentages?”  


Q3) Challenges in Addressing the Accommodation Crisis from Michael 

“Hi Bryce and Ben, my name is Michael. 

I’m interested in your thoughts on the accommodation crisis gripping our country at the moment. We have record levels of immigration while we are recording all time low levels in building approvals and building completions. Builders are going bankrupt every day and leaving the industry. 

We have a skills shortage with a lack of trades people available to do the work. Material costs keep rising faster than inflation there’s a shortage of land to develop, increasing interest rates are severely limiting the amount borrowers can obtain from the banks and APRA are still insisting bank apply a 3% test on interest rates charged. 

The only solution government seems to be able to come up with is to subsidise build to rent with land tax concessions, and massive investment in public housing. But there are not enough trades to build these dwellings. At the same time, the government punishes property investors with higher taxes, increased compliance costs, expectations of ever increasing standards and accommodation provision, and taxes on short term accommodation. 

With private sector provides 97% of private rental accommodation yet I can’t think of one incentive that is being provided to motivate them to provide more. 40% of the build cost goes to three level of government. I feel this needs to be reduced. I would like to see the removal of stamp duty for purchases buying off the plan in order to feed the pipeline for greater supply. 

This will provide developers and necessary pre-purchases required to obtain construction funding. The development section has been in decline ever since stamp duty concessions for off the plan purchases were removed several years ago. 

I’m interested on your thoughts on this proposal and whether you have any other ideas. Thanks.”  



  • 0:00 – Cracking the Code: Mastering the 60% Land to Asset Ratio   
  • 2:47 – Happy International Women’s Day!  
  • 10:07 – Moorr Webinar: The best tools for the job…  
  • 12:34 – Mindset Minute: Gold from Poor Charlie’s Almanack  
  • 21:00 – “The time horizon speak is directly proportional to…” 
  • 23:47 – Q1) Investment in Brisbane for 2032 Olympics 
  • 25:35 – What really matters for economic and property growth  
  • 29:03 – The benefits will actually be spread across Australia…  
  • 31:12 – Olympic-sized successes and failures  
  • 35:38 – What happens after the torch?  
  • 36:03 – Our verdict!  
  • 37:46 Q2) Land to Asset Ratio 
  • 38:48 – How to crack the 60% land-to-asset ratio 
  • 41:39 – Note! There are different costs for different types of builds  
  • 42:27 – Hack for properties that are older than 30 years!  
  • 45:08 – Watch the YouTube video to see this in-depth graph  
  • 46:28 – Why we prefer older over new properties  
  • 47:42 – Talk to your local Buyers Agents!  
  • 48:25 – What happens if you don’t care about land value?  
  • 50:05 Q3) Challenges in Addressing the Accommodation Crisis
  • 52:13 – Why did the builders tap out?  
  • 53:27 – The recipe for short-term disaster  
  • 57:31 – “We’ve Been Disincentivised for Over a Decade” 
  • 1:02:27 – Victoria’s Minimum Standards are a great example of this!  


  • 1:03:49 – Lifehack: How to improve your sleep quality  
  • 1:06:55 – WMPN 1) Fact-checking the Greens  
  • 1:12:02 – WMPN 2) NSW’s “No-Ground Eviction” up for debate 


382 | “Property Investors are Tired of Being the ATMs for the State!” – Chat with Antonia Mercorella

Queensland has been through A LOT folks.  

With the 2022 floods estimated to cost $2.5B in damage and more than 5,000 homes inhabitable, in the words of today’s podcast guest Antonia Mercorella: 

“We are facing a humanitarian crisis in Queensland”  

 Together, we’ll be unpacking the housing crisis that Queenslanders are waking up to every day, how this added demand will impact the states ALREADY struggling rental system… 

AND how REIQ and Q Shelter’s “Help House a Queenslander” campaign can help with the ongoing housing crisis! 

And if the name Antonia Mercorella sounds familiar to you – we’re proud to say it’s because she’s a returning guest from Episode 280!!  

Antonia is not only the Chief Executive Officer at the Real Estate Institute of Queensland (REIQ), but she’s an accomplished CEO and solicitor with more than 20 years of experience across the real estate and property sectors!  

But don’t get us wrong – when we say Queensland’s been through a lot, it’s not all bad!  

We’ll be unpacking it from the top, starting with the pandemic when Brisbane’s property market was HOT, and exploring what lifestyle drivers push people to move interstate!  

And let’s just say that Antonia makes a very convincing case to move to the Sunshine State 😉 (Hey, we’re halfway to packing our bags). 

We’ll also be looking at the State Government’s announcement to potentially introduce land taxes and why it’s a terrible idea!!!  

So if you’re interested in what this all means for the future of Queensland’s property market (and the wider Australian market), tune in now!!  

Free Stuff Mentioned


Here’s what we cover…

  • 2:18 – Life is all about choices folks!
  • 3:24 – A quick update on what we’re watching… 
  • 7:10 – Welcome back Antonia!!  
  • 8:23 – Antonia’s money story: From immigrants to property investors
  • 12:40 – The Italian culture and its impact on money values  
  • 20:45 – Why is Queensland’s market so heated?!  
  • 28:45 – How gentrification affects the future of a city!  
  • 30:22 – What is the future of Brisbane’s rental vacancies?  
  • 36:30 – “Property Investors are tired of being the ATMs for the State”: Why Antonia is against Queensland’s Land Tax! 
  • 43:56 – Why Ben is also against Queensland’s Land Tax!! 
  • 47:09 – When Victoria tried to introduce Land Tax (and how that ended up!)  
  • 50:38 – What life is like for flood-affected Queenslanders  
  • 54:10 – What does this mean for an ALREADY struggling rental system… 
  • 55:45 – REIQ and Q Shelter’s “Help House a Queenslander” campaign
  • 58:59 – What does the Queensland market need to get out of this crisis?
  • 1:01:03 – How will Queensland’s 2022 floods affect its future property market?
  • 1:02:47 – Antonia’s predictions for housing demand in QLD  
  • 1:05:55 – How climate change is changing asset selection!  


  • 1:10:45 – Bryce’s lifehack for greater productivity!!  
  • 1:12:19 – Is 2022 the Year of the Unit?  
  • 1:14:23 – All the single ladies (…are getting onto the property market!)  


284 | Kyal & Kara from The Block – How To Renovate, Raise Kids, Run A Business & Not Lose Your Mind in the Process

Kyal & Kara” Demmrich became household names after the humble chippy & physio joined The Block back in early 2014 for their Fan Vs Faves series. And when that popular reality program was over, the courageous renovation-lovers decided to do it ALL again – this time on Reno Rumble in April 2015!

And now, with their own successful Design & Construction business, Diverse Design & Build, and tackling their own Renovation Series, Kyal and Kara are a near-perfect example of what it’s like to renovate, raise kids, run a business and not lose your mind in the process!

In fact folks, we’ve ‘gotta hand it to them – this couple is remarkably positive, healthy and staying ahead of the game!!

And guess what’s even more surprising? We actually interviewed them during “The Week They Never Want to Repeat!!”

So. What’s their secret?

And what renovation tips could the rest of us benefit from?! (Maybe BEFORE you “do a Ben” and challenge your sanity be renovating the family home!)


Free Stuff Mentioned


What we cover in today’s episode…

  • Life “Before The Block”– What was Kyal & Kara’s first ever renovation?
  • Applying for The Block – the audition and interview process
  • What was it like to have a camera crew following you around for 3 months straight? (And how did it feel when it was all over?)
  • Kyal & Kara’s Backstories – What was money and the Property Story like growing up?
  • Why did they decide to do it all again so quickly?
  • What was the bad side of being in the spotlight?
  • What was the planning process like when turning around a room in one week? (Did they get help from the producers of The Block?!)
  • What’s the deal with Kyal nailing his hand to the wall? (ouch!)
  • How did the find their current renovation project?
  • Top 3 Tips to Survive a Reno!
  • Accidents & Mishaps and things NOT to do when renovating?
  • What’s the “rule of thumb” of renovation costs per metre?
  • Is the goal to Renovate & Sell or Renovate & Accumulate?
  • How do they keep their mindset in check?
  • How has COVID-19 impacted their current life? How have they pivoted?
  • Importantly: What’s the secret to renovating, raising kids, running a business and NOT losing one’s mind in the process?


P.S. Here’s a quick snippet of the nail accident! 👇

P.P.S. And here’s a behind the scenes view of our recording 👇

UPDATE: WA Residential Rent Relief Grant Scheme

As each State Govt rushes to respond to this health crisis, we strive to update our community on the most recent changes relating to residential real estate as well. And this update is no different.

This time, we’ll be unpacking the New Residential Rent Relief Grant released by the WA Govt last week on the 23rd of April 2020! The WA State Government is making available $30 million for grants of up to $2,000 for Western Australian residential tenants who lost their jobs on or after 20 March 2020 and are facing financial hardship due to the COVID -19 pandemic.

Here to fill us in on the details is Damian Collins, President of REIWA, the Founder and Managing Director of Momentum Wealth and also the Chairman of commercial property funds management business, Mair Property Funds.


In this short update, we’ll be covering these questions:

  • How are WA landlords and renters affected by a moratorium on evictions?
  • If there is any Land Tax Relief for Property Owners?
  • Can rent be increased during the emergency period?
  • What is the emergency period?
  • What constitutes Financial Hardship and what documents are needed?
  • Can a renter ask to reduce their rent payments?

For more questions relating to WA Rent Relief Grant, please refer to this website: https://www.commerce.wa.gov.au/consumer-protection/residential-tenancies-covid-19-response

And of course, if you’re a tenant and are currently facing financial difficulties due to COVID-19, we strongly recommend you to check out the New Residential Rent Relief Grant by the WA Govt here to apply for the grant.


Free Resources


And of course… Additional Helpful Resources on COVID-19

National Update: Click here

State Update:

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.




UPDATE: Shocker Revoked!! Why property owners can rest a little easier in QLD now?

What a difference a couple of days makes, huh?!! 

Back on the couch is Antonia MercorellaCEO of REIQ… with some GREAT NEWS!!!! 

In light of last week’s episode, the Queensland Government has reached out to The Real Estate Insitute of Queensland (REIQ) to collaborate on a package that ensures protection for EVERYONE… ie. tenants AND landlords!! 

Antonia will fill you in on all the amendments to the proposed Rental Relief Package, what this means for landlords and tenants, and exactly HOW the reversal of this initial “Shocker” of a policy came about! 

 You can learn more about QLD Rental Relief Package here: https://www.covid19.qld.gov.au/the-hub


The amendments to the proposed Rental Relief Package include: 

  • Rent payments and unpaid rent: Property owners and tenants can now agree on the terms of reduced rent and deferred repayment requirements. 
  • Financial hardship requirements: The combined income of tenant/s must have reduced by more than 25% as a direct result of COVID-19 or where the rent amount exceeds 30% of income/s and tenant/s cannot afford to pay the rent. 
  • Substantiation of financial hardship: Tenants must provide the same level of proof of income as is required at the start of the tenancy to seek a rent reduction. 
  • Entry requirements: The Government will provide clear guidance to ensure access for essential repairs and maintenance, the sale of a property and virtual inspections. 
  • Break lease: To qualify for the Government’s break lease provisions, tenant/s must be in severe financial hardship which is defined as a 75% reduction in combined tenant/s income and have less than $5,000 in savings. 
  • Extension of a tenancy: A fixed term tenancy will be automatically extended to 30 September 2020 unless agreed otherwise. 

 You can learn more about QLD Rental Relief Package here: https://www.covid19.qld.gov.au/the-hub


Free Resources


What we Cover in Today’s Episode



And of course… Additional Helpful Resources on COVID-19

National Update: Click here

State Update:

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.





Free Resources

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