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Episode 078 | Ten Biggest Risks when Investing in Property in Australia

Investing in property is considered as a relatively safe investment class but as with other types of investments, there are some downfalls that you need to be aware of. So in this week’s podcast, Bryce Holdaway and Ben Kingsley will be sharing their ten biggest property investment risks.
Ep 78 - 10 Biggest property risks by The Property Couch 4

They will be unpacking this list from a macro point of view such as factors that are beyond an investor’s control down to a micro level. Bryce and Ben will also be discussing some risk mitigation strategy that investors can apply when building their property portfolio.

The first macro risk is General Market and Economic Risks. Although each one of us contributes to the country’s performance as a whole, individually, we still can’t influence it much (unless of course, you are a multi-billionaire). So, if a country is performing poorly for example, during the GFC period, some property market would be affected, and this would impose some degree of risk if you are a property investor. Economic activities in a state level also could be a risk because this affects employment rate in the area and hence, your potential tenants as well the value of the investment property.

Listen to the podcast to find out the other 9 property investment risks.

 

Some of the resources mentioned in this podcast:

  • Webinar Replay with Jane Slack-Smith and Peter Koulizos – Register here
  • Facebook Live Chat (September 13) – Join here
  • Vote for us for the Reader’s Choice Award – Vote here
  • Episode 5 – Asset selection – Listen here
  • Episode 31 – Checklist to getting a great property manager – Listen here
  • Episode 53 – The Money SMARTS System – Listen here

 

Episode 48 | Different investment structures (family trust, company, partnership), CGT and other tax related topics – Chat with Frank Azzopardi

Our loyal listeners would have noticed by now that every single time a tax related question pops up on the podcast, Bryce and Ben will try and answer it in a general sense (sometimes, probably too general). So, this time on The Property Couch, we have invited Frank Azzopardi from YK Partners to help give a clearer definition when it comes to questions related to tax and property.

Sit tight and be prepared because this episode can be very technical. Some of the issues that they’ve touched on in this episode are:

  • Investing under trust ie: family trust – what it involves and the tax implications
  • Investing under a company structure – why people do it and areas to be cautious about
  • Partnership in property investing – what to expect, difference between partnership with family and friends and types of partnership
  • Capital gain tax (Capital Gains Tax) and the 6-year rule
  • Are buyers agent fees and stamp duty tax deductible

 

Now, please remember that this podcast is general information only and is intended to assist you in understanding the different investment structures and some tax regulations related to Australian property. It is by no means a full representation of all aspects of the property tax and listeners/viewers should not rely on the information provided in this podcast when making their investment decisions. The Property Couch and our guests strongly recommend that listeners/viewers first seek qualified and professional advice to assess their individual and unique circumstances before making any decisions. For more disclaimer, please click here.

If you like this podcast: “Different investment structures (family trust, company, partnership), Capital Gains Tax and other tax related topics”, don’t forget to rate us at our iTunes channel (The Property Couch Podcast) and our Facebook page. If you have any questions or ideas, feel free to drop us your thoughts here: http://tpcaustralia.wpengine.com/topics/

Episode 040 | Q&A – Line of Credit, NRAS Program, Fixing a Broken Portfolio, Conducting a Due Diligence and Insurances

Introducing the first episode of our summer series! Let’s kick start with a Q&A episodes. If you have a property related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

  • Line of Credit (LOC) question from Brad : Firstly, love the podcast, but have to agree that the sports commentary should be left out. ( 😥 from TPC Hosts). I have a finance related question, specifically about the intricacies of Lines Of Credit. All the articles I can find say you should get a LOC, which I get, but none drill down deeper into the intricacies of using the LOC. I understand that you would use your LOC for investing costs, such as a deposit on new property, or the levies or rates for a property. My uncertainty is whether I am then able to claim the interest charged on the LOC for these expenses. To make things more complicated, what if you were to pay your investment loans off using this LOC. Surely you couldn’t then claim the interest on the LOC as well as the investment mortgage? That would be double-dipping, right? Please do a segment on your show (which I listen to religiously) that explains more how to use the LOC tax effectively and legally.
  • NRAS questions from Cesar : What is your view on the NRAS program? From everything I hear from you it is probably a no go, but would be nice to hear more as many spruikers are heavily promoting NRAS to investors.
  • Property Portfolio question from Sandy : Guys, love the podcast and wish I had listened to it a few years ago. My suggestion is to discuss the strategy to fix a “broken” portfolio ie a number of under performing properties (pretty much all the things you have explained to avoid) that were spruiked.
  • Due Diligence and Research from Daniel : You always hear from professionals in their podcasts that you need to do due diligence and do your research into finding a property. I’m a first time investor, but this question could be used for every investor. What resources do you need and what do you have to look for in conducting due diligence? I wouldn’t know where to begin. Could you please elaborate on who one can achieve this?
  • Property Insurance from Daniel : Advice on what’s the best type of insurance to have on your investment property?

 

Free resources mentioned in this podcast:

 

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: http://tpcaustralia.wpengine.com/topics/

Episode 038 | Property Price Research in Australia

In their daily role as a Buyers Agent and Property Investment Advisor, Bryce and Ben often conduct comparable analysis on properties that they are going to buy. This is a crucial part of their due diligence because it demonstrates the suitability of the property for the client’s property plan and also sets a starting point for their negotiation process. So in this episode of The Property Couch, they will be sharing the process that they go through when conducting a property price research.

Our hosts will also be sharing their “text-book” floor plan, understanding under quoting in a sales campaign and ways to decipher a more reliable price range using the auction clearance rates as a guideline. Listen to the podcast to find out more!

 

If you like this 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: http://tpcaustralia.wpengine.com/topics/

Episode 034 | Q&A – Investing in Commercial Property, Fixing your Loan, Using a BA and Estimated Growth & Returns for Property Plans

It’s another Q&A episode! We are loving these Q&A episodes. If you have a property related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here. In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics on:

  • Using a Buyers Agent question from Tim : For a person that is looking to purchase an investment property where they’ve already educated themselves on property investment from Podcasts, read property investment books and attended seminars and they’ve done all their due diligence from getting the right loan structure, finding the right location with all the growth drivers, will there be any benefits to engage a Buyer’s Agent?
  • Fixed loan question from Jonathan : Due to interest rates have been low for a few years now and flexible loans are good, when is the best time to fix them? When the interest rate reaches a point eg, 6%-7? Do you refinance your home and do 50% fixed and 50% variable . What is the rule of thumb on this topic?
  • Investing in commercial property question from Hany : What are the discussions of the pros and cons of investing in commercial property?
  • Estimated Growth and Returns for Property Plans from Josh : My question is around Bryce’s publications and the extent yield and growth percentages are applied. Exploring these publications I have found that the sum of both the yield and the growth figures never exceed 12% to 13%. Is this a rule of thumb? If so, to what extent can you divide these figures up when building an investment plan? is this constrained by property value? What is considered average, exceptional and using a Buyers Agent, what can be expected?

 

Free resources mentioned in this podcast:

 

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: http://tpcaustralia.wpengine.com/topics/

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