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532 | Hold or Sell? How to Decide if Your Property Is Worth Keeping

How can you create a financial buffer WITHOUT impacting your family budget?

Are you wondering if your underperforming property is worth keeping? (Here’s the key reason why you should be asking, “Will the banks like it?”) 

And are property finfluencers manipulating the market?  

Folks, after a ripper Summer Series we’re BACK for 2025 and kicking off the year with a Q&A session answering your most pressing questions and giving you golden strategies that’ll allow you to act now.  

PLUS… we’re revealing major upcoming projects!
🔥 Our THIRD book, How to Retire on $3K a Week (and how to get first exclusive access!)
🔥 Huge Moorr upgrades to supercharge your money management
🔥 And plenty more insider insights…  

Listen now folks!  


Free Stuff  

  • FREE MASTERCLASS: How To Buy an Investment Property Without Impacting the Family Budget
    As mentioned in Q2, Secret #1 in our free Masterclass teaches you how it’s possible to invest in property without sacrificing important moments today.
    Register for your masterclass now >>
     
  • WAITLIST: Bryce’s 50th Charity Event!
    We’re thrilled to share that all spots for Bryce’s Charity Event have been filled! (by an amazing group of folks) In partnership with the John Fawcett Foundation, this special trip is designed to give those in need their eyesight back – and we couldn’t be more grateful for all the support and interest we received.
    If you missed out but would love to join, simply sign up for the waitlist now! >>
     
  • COMING SOON: “How to Retire on $3K a Week”! 🚀
    After months of hard work, we’re SO excited to unveil our third book – “How to Retire on $3,000 a Week”! Packed with thousands of updated calculations, proven strategies, and expanded case studies, this is your ultimate guide to fast-tracking your passive income through property. Be the first to get your hands on it. Register now for exclusive release notifications and get ahead of the crowd! Join the waitlist today >>
     

 

Questions We Answer

Q1) To sell a negatively geared apartment or to ride out the wave? From Hanh 

“Hi guys.  

My name is Hanh. I’ve been binging on all your podcast episodes since I started researching on the topic of property investment over the last couple of months.   

The reason why I’m leaving you a voicemail is because I can’t seem to find an episode that covers my question, although I do love the learnings that I’ve had along the way so far. A bit of background about me. I’m 46 years old, and I currently live in suburbia Melbourne. I have two daughters, a 5 year old and a 6 year old. I own a studio apartment in Melbourne CBD for the last 20 years.  

It’s negatively geared and it has barely increased in value. I bought it for $315k and the agent currently values it at $380k. I seek financial advice they’re telling me to sell it to avoid further potential capital losses. My financial planner has also told me to cut my losses and to sell it and invest in something else that is more likely to go up in value. Not really sure what to do. My thoughts for this property were to initially live off in retirement, I would give it to my daughters as they get older or sell it if I ever to get sick again.  

In 2020 I was diagnosed with breast cancer so I don’t really have any income protection so in the event if it reoccurs, I would like to keep that as a bit of a buffer or a Plan B should I need it. Now with the government in Victoria capping international students, I feel that it might limit my rental yield and also property market, especially apartments in Melbourne is a bit saturated at the moment.  

I’m not sure if that will change in time, so I’m really undecided as what to do with this property, whether to sell it or to ride out the wave for the next 15 years or so. I’m a bit torn because I wanna like I have high hopes for this property, I’ll be very willing to give it up if there is a better alternative elsewhere.  

If you can help, that would be great. Thanks.”  

 

Q2) Time for taking action from Brad  

Hey Team TPC! 

Having only been referred to your podcast by my colleague (and one of your clients) in March this year, I’m currently working my way past Episode 500 of your podcast. I’ve contacted your team and I am hoping 2025 is the year to ‘act on it!’ (especially since I’m 45 next October)!

My PPOR purchased in 2011 for $315k is currently valued at around $800-850k, with a loan balance of around $345k, with payments of ~$2500/month (after previously refinancing and fully renovating the house internally – added a 4th bedroom, Kitchen, Bathrooms, Tiles, Carpets, Paint etc.)  

After listening to your podcast,  I understand that it’s wise to start on the investment journey with a buffer of at least 6 months worth of savings.

I am currently paying off a car loan ($15k at around $150 a week) and thanks to YOUR MoneySMARTS system, I have been saving (a minimum of) $300 a week since the start of FY25.

With respect to the savings buffer and borrowing capacity, I know that is it wise to pay down consumer debt (i.e. my car loan) first, because the loan period (and therefore the interest paid) will reduce significantly.

My question for the community is:

If I wanted to buy an IP and I was in a position to release ~$280k equity from my PPOR, do I still need to have (recommended) 6 months of savings as a buffer, or can I act SOONER?

I understand that there is a huge opportunity cost of not ‘taking action’ now… and building that savings buffer could take me (and others out there) potentially up to another 2 years before I can act! Apart from taking on another job, (which is definitely not off the cards) I’d be keen for your feedback!

I hope that this question helps others who might be finding themselves in a similar situation.

You are directly impacting the lives of the community AND their loved ones, as a result… Thanks for all of your incredible work!

PS: With a few exceptions to the rule (like Victoria and Canberra) your borderless and well-informed approach to investing really makes some of the “spruikers” out there look like they are generalising on markets, influencing people with intent to benefit themselves!

(As entertaining as finfluencers like GH and JH are, you need not be concerned – they don’t hold a candle to the TPC Team… They are no competition!)”  

 

Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? From Jen  

Hi Bryce.  

 Finfluencer follow up….And maybe another question/request for the podcast? 

Here is my question… 

In the battle of the property finfluencers, I can see it comes down to a few investing strategy frameworks – with the top two being; 

  1. The conservative, tried and tested – buy location, then the land and dwelling type, and go long.
  2. The new age “we have found something that the conservatives haven’t” – buy hot spots, ride the short term wave, then rinse and repeat your way to financial freedom.

I can appreciate the compelling story with #2 as it feeds into the notion of get rich quick and feeds the ego with bias around investing in a way that others can’t see.  

For the 2nd model to work, here are two possible constants or constraints (depending on the way you look at it):

  1. Reliance on a buyers agent model that hasn’t been around for ‘long’ which requires said buyers agent to tap you on the shoulder when it’s time to buy and sell in a particular area.
  2. Manipulation of property prices from such buyers agents who have their clients flood into a particular hotspot area within a certain time frame, driving a certain degree of artificial demand and price uplift.

Number 2 is a concern, from the perspective that all the new buyers agents are interpreting the same info from the same data sources yet they think they are the only ones to see it. And then sell these so called ‘insights’ to their followers based off this premise… ‘we are doing something and seeing something that others aren’t’. 

But in true terms, it’s a younger, wider movement based on all the same data sets, which leads to FOMO and possible sub market price manipulation.”

 

Timestamps  

  • 0:00 – Hold or Sell? How to Decide if Your Property Is Worth Keeping  
  • 1:18 – Thank you to our inspiring Summer Series guests! 
  • 4:03 – Mindset Minute: Approaching 50 does something to you… 
  • 8:38 – Incoming Projects: Our third book, huge upgrades to Moorr & more… 
  • 15:57 – Q1) To sell a negatively geared apartment or to ride out the wave?  
  • 19:27 – Why not invest in Studio Apartments?  
  • 24:00 – Owner-Occupier appeal is EVERYTHING.” 
  • 25:05 – You need to ask, “Will the banks like it?”  
  • 28:14 – How to escape the loss aversion trap  
  • 30:55 – Q2) Time for taking action 
  • 33:53 – How professionals would unpack this problem 
  • 35:30 – Using equity to act sooner: Is it a good idea? 
  • 36:20 – Do you need a buffer?  
  • 38:42 – Don’t look down: How to redefine how you see debt! 
  • 41:21  Masterclass Secret #1: How to adjust your family budget to release surplus 
  • 41:37 – Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? 
  • 43:47 – How GameStop’s short squeeze is the same as property spruikers 
  • 48:16 – The 10,000 hours matter…  
  • 52:54 – Are you buying into a cyclical or fundamental movement?  
  • 57:48 – Thank you to this week’s question-askers & 2025 Property Market Outlook at the end of the month!   

And… 

  • 58:36 – Lifehack: How to use AI to get your kids to do homework!  
  • 1:01:37 – WMPN: Climate risk is growing; what does it mean for insurance? 

 

531 | Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti

“I’ve definitely (got) no regrets and very excited for what the future holds…”  Jonti  

Folks, this inspirational quote is from our LAST Summer Series guest for 2024/25 who, by the age of 32, has survived and grown from experiences and horrors most of us can only imagine…  

With a new business, a flourishing property portfolio in Australia and a recent purchase of his dream $1.9M home, it seemed like Jonti had his life in order. 

That is until his life-altering accident.

Tune in now to find out how Jonti not only survived but thrived after instantly becoming a paraplegic – all while juggling his own business, debt levels and a relationship breakdown…to come out with his positive outlook above.  

P.S. A heartfelt thank you to each of our incredible guests for sharing their inspirational stories. We’ve absolutely loved sitting down, listening, and learning from your journeys. These moments are what make this series so special. ❤️ 


Free Stuff  

  • Free resources to get in control of your money and take action like our Summer Series guests:  
    • FREE MONEY MANAGEMENT APP
      Download Moorr, your new home for all your financial affairs. Get started today >>   
    • FREE INITIAL CONSULTATION
      Sit down with our team of investment-savvy specialists! We offer the complete wheelhouse for all your property needs. Get in touch today >>
    • FREE E-BOOK  
      Download Make Money Simple Again, your free instruction manual for our rules-based money management system, MoneySMARTS, which is guaranteed to trap surplus and requires less than 10 minutes a month to manage. Plus, keep your ears peeled for more information on our third book from the series… 😉 
  • Thank you to all our amazing 2024/25 Summer Series guests!
    You can find our entire lineup of Summer/Winter series guests here if you’d like to re-listen or hear from our previous guests!  

 

Timestamps  

  • 0:00 – Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti   
  • 1:22 – Welcome Jonti!  
  • 1:56 – Money Story: “That’s life, and you have to move on.”   
  • 6:09 – His first job in primary school & reaching financial independence 
  • 10:31 – Entering the property market during the earthquakes  
  • 13:49 – 3 properties by 23?!  
  • 16:25 – How wakeboarding helped him on his investing path  
  • 17:38 – Differences in NZ property laws  
  • 19:51 – Grappling with workaholism & financial discipline 
  • 22:14 – Transitioning to Australia: Renting for $200 a week  
  • 23:29 – The concrete pump that developed his financial base  
  • 26:20 – Switching to buying regional units  
  • 28:35 – Uncovering why tenant quality and property management matters 
  • 32:50 – He’s never seen these properties… 
  • 34:18 – Selling three properties to afford his $1.9M dream home  
  • 36:33 – The life-altering motorbike accident  
  • 38:39 – How he survived post-accident: Managing business, debt levels & hope   
  • 41:27– Highlighting the value of defence  
  • 43:51 – First steps again on his 31st birthday 
  • 46:47 – Navigating relationship, rehab and rising rates in the aftermath  
  • 50:09 – The fork in his future: What is his north star now?  
  • 51:51 – Regrets & Reflections  
  • 54:39 – Why did Jonti want to share his story?  
  • 56:29 – What an insanely inspiring and resilient person, thank you Jonti!  
  • 1:02:19 – Thank you to all our awesome Summer Series guests!  
  • 1:02:59 – FREE RESOURCE: Moorr app and engaging the experts at Empower Wealth 
  • 1:04:26 – Our third book incoming!

 

519 | How He Left Johannesburg at 19 with £400 to Now Owning 18 Properties! – Chat with Gavin van Zyl

Today’s guest has a remarkable story whose lessons span international borders and redefines risk, resilience and what it means to build a real-estate empire… 🌍🏠 🔑 

Meet Gavin van Zyl, Founder of White Rhino Property and a leading property expert in Canberra and NSW’s Queanbeyan market.  

With an entrepreneurial drive and a fearless approach to property investing, Gavin has risen to prominence, ranking as Rate My Agent’s top salesperson in New South Wales and securing a spot in Australia’s REB Top 100 Agents list.  


In this episode, you’ll hear:

  • Essentials for ACT Property Investors, including how to navigate ACT’s land tax 📈
  • Finding “Real Estate Gold”: How he seized the opportunity to buy the worst house on the best street 🥇
  • From 4 to 18 Properties: Gavin’s strategies for managing risk and high debt to launch White Rhino Property. 📊
  • The 3-Month “Holiday” That Changed His Life: Hear the pivotal trip that sparked the fire for his prosperous career in real estate. 🛫
  •  His jaw-dropping global experience from share houses in London to landing in Canberra, and more! 🇬🇧

Tune in now for a fascinating discussion with one of the boldest names in NSW real estate.   


Free Stuff  

 

Timestamps  

  • 0:00 – How He Left Johannesburg at 19 with £400 to Now Owning 18 properties! 
  • 1:56 – Mindset Minute: To inspire people, don’t show them your superpowers… 
  • 3:13 – Welcome Gavin!  
  • 4:16 – From Johannesburg to Canberra: How did Gavin’s background influence his property investing?  
  • 5:22 – Money Story: “All that glitters ain’t gold”  
  • 8:38 – How the 3-month holiday he never returned from led to a career in property investing 
  • 11:11 – From Pounds to AUD: The big move to Australia and how he met Chelsea  
  • 16:51 – “That put the fire under my belly”: Landing in Canberra and how he got into property  
  • 21:59 – Why invest in freestanding over units?  
  • 25:54 – The loopholes he used to leverage  
  • 30:01 – How he bought real-estate gold: Investing in the worst house in the best street! 
  • 33:22 – From broke to the birth of White Rhino Property   
  • 38:03 – From ACT to NSW: “You can essentially buy three assets in this marketplace before you even get taxed $1.”  
  • 40:03 – The issue with investing in Canberra (Watch this on YouTube!)  
  • 44:19 – Where did Gavin develop his risk appetite?  
  • 48:38 – Ben’s experience in London!  
  • 51:14 – An entrepreneurial spirit and how he picks up the diamonds  
  • 54:49 – Investing commercial & buying in Super  
  • 56:28 – What is the mindset brought Gavin to where he is today?  
  • 59:07 – “The real wealth is freedom”: His North Star now 

And… 

  • 1:06:40 – Thank you, Gavin! What a remarkable story.  
  • 1:09:10 – Lifehack: How to remove Instagram content from someone without unfollowing them.  
  • 1:11:12 – WMPN: Holding Property: Is it a bulletproof investment or not? 

 

Redefining Debt: The Game Changing Strategy You Need to Hear

In this week’s episode, Bryce makes a guest appearance on the Wealth Time Freedom (WTF) podcast, hosted by Terry Condon!   

They cover a wide range of topics including:
        💵 Horrible, tolerable and productive debt
        🏘️ How to pick an investment grade property
        👩‍👦‍👦 Demographic shifts that are likely to impact property prices over the next 5-10 years 

This bonus episode is all about the courage to pursue passion over expectations, cultivating financial resilience, and playing the long game of property investment! 

 

Free Stuff Mentioned

 

Additional Resources

 

Timestamps

  • 0:00 – Redefining Debt: The Game Changing Strategy You Need to Hear 
  • 0:50 – The “Man in the Ferrari” paradox 
  • 4:09 – What piqued Bryce’s interest in property (back in 1998!) 
  • 6:50 – On Dad’s generation, mindset & influence 
  • 13:27 – Starting his own business 
  • 17:10 – When the Global Financial Crisis hit 
  • 18:27 – What advice Bryce has for his younger self 
  • 20:16 – Leaning into the “Scary Ugly” 
  • 21:49 – How The Property Couch podcast started in 2015 
  • 23:39 – We Fix Bad Advice – the barbershop analogy 
  • 25:09 – People need guides, not heroes! 
  • 29:18 – Why the best way to learn is to teach 
  • 30:52 – The journey to helping 10,000 clients get into the property market 
  • 34:26 – Horrible, tolerable and productive debt 
  • 37:21 – How to retire on $2,000 a week 
  • 42:14 – Control your debt to control your life 
  • 44:45 – How to pick a great investment asset! 
  • 56:35 – Emotional forecasting – do you do this? 
  • 58:43 – How baby boomer wealth transfers will reshape the housing market 
  • 1:01:36 – Must listen for anyone looking to get into property, but not quite sure if it’s the right time! 

 

Jan Somers: How this Housewife Built Her Multimillion-Dollar Property Portfolio from Scratch

Please Note: This episode is a re-run. The original air date was on February 16, 2017. 😊  

In our FINAL bonus episode for 2023, we’re replaying an awesome episode with one of Bryce’s all-time property-investing heroes…  

Jan Somers!  

She is an incredibly humble housewife who is the author of 4 bestselling property books and is a successful property investor and educator extraordinaire.  

With her property portfolio spanning more than 40 years, we follow Jan’s motivational story from her first venture into property investing to her inspiration for writing her bestselling books, Building Wealth.   

Tune in now to hear her evergreen wisdom from the secret to improving your borrowing power, cultivating the right investing mindset, the types of properties Jan prefers to invest in, and much more!  

Listen now for an awesome blast-from-the-past episode! 🚀 🚀 🚀 

 

Free Stuff Mentioned

  • Check out Jan Somers’ bestselling books and software here >>  

 

Timestamps

  • 0:00 – Jan Somers: How this Housewife Built Her Multimillion-Dollar Property Portfolio from Scratch 
  • 3:29 – Mindset Minute: Beware of highlight reels!  
  • 4:55 – Welcome Jan Somers!  
  • 7:10 – The secret formula that led to success 
  • 8:25 – Her first mentor!  
  • 12:14 – Jan’s Golden Investing Principles 
  • 15:39 – The foolproof loan strategy Jan uses 
  • 18:01 – She was one of the first to do THIS!  
  • 21:33 – From humble beginnings: The origin of her first book  
  • 29:24 – Investing & Family  
  • 33:49 – “Security provides you with happiness”  
  • 37:31 – The biggest mistakes she made…  
  • 40:33 – Accumulating properties, tenants & investing Interstate 
  • 46:12 – Why do some properties perform better than others?  
  • 50:18 – The “living off equity principle” and retiring debt  
  • 54:26 – Financial messages Jan taught her kids  
  • 56:04 – Jan’s top tips for property investors  
  • 58:23 – Extra resources!  

And… 

  • 1:02:09 – Lifehack: Get 15 minutes back by turning off your notifications?!  
  • 1:03:51 – WMPN: Inside a $250M Bel Air house…

 

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