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Top Money Podcast – Episode Ranking | September 2019

Spring is in the air folks and so is The Property Couch! We’ve just hit our 250th Episode AND our total download on iTunes alone is….

5,094,004 downloads!! 🎉🎉🎉

It’s been an amazing month folks and we cannot thank all of you enough for your continuous support. That is why we are keen to give out a free e-copy of our best-seller book, Make Money Simple Again! Click here to choose your adventure and start reading it now.

 

Not only that, we’re also one the Top Money Podcast in Australia because we’re ranking on Spotify as well!! 

We’re not quite sure if this ranking is within Australia only or if it’s worldwide, but regardless of that, we’ll take anything that will help us in our mission to stop people from making silly financial mistakes! So if you’re not an iPhone user like our producer, Stiggy, is then click here to tune in on Spotify. 😉 

 

Now, let’s get to the highlights! And remember, if you’re new to our podcast, make sure to start from Episode 1. Play it on 1.5x speed and you’ll catch up in no time!

And if you’re really REALLY time poor, then download our Binge Guide here. It contains all the must-know tips and foundations from the first 20 Episodes and has been downloaded over 2,500 times!

 

Now, let’s get to the Top Podcast Episode for the Month!

 

 

p.s. Did you know we’re big on videos as well? Every week, we try to go LIVE on Facebook unpacking the fundamentals of finance, money management and property OR simply just to answer some of the great questions that we received from our community. If you’re interested, we’d love to connect with you on Facebook! Click here for more info.

p.p.s. And here are some of the Facebook LIVEs that we’ve done in the past. Enjoy! 🙂

 

 

Episode 247 | How to Invest in Property When You’re Busy Raising a Family, Holding Down a Career, Have No Time or are an Investor Already

No time? But still wanting to invest in property? Keen to find out what strategic step you should take next?

Attention! Busy folks and experienced investors…

…. yes, that’s you lot down there at the back who are raising a family, holding down a career, investing in property already AND/OR simply have a lot on the go….

… this is YOUR episode!

 

‘Cos today is PART 2 of our tips and tailored Q&A session for each investor demographic… and today we’re tackling…

  1. Busy folks
  2. Experienced investors

So, if you’re a curious to learn how to invest in property WITHOUT sacrificing your life, lifestyle or livelihood… or you wanna hear how to review your current portfolio, or what to do when you’ve ALREADY got one or two investment properties under your belt…. then you’ve come to the right place!!!

Today we’re answering the common questions folks in either/both of these demographics ask us, so that you’ll be educated, efficient AND effective at building out your property portfolio.

 

Your Free Reports Tailored to This Episode:

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Other Resources Mentioned on the Show:

 

So… THE QUESTIONS — 

For Busy Couple and Families:

  • Q1: How do we afford to invest in property when we’re busy raising a family and still keep money for holidays, schooling, being home and other important lifestyle needs?
  • Q2: How much does it really cost and how long will it take to build a stress-free property portfolio that we can live off?
  • Q3: Is passive income through property a possibility or a pipe dream? Will we really have enough to retire comfortably?
  • Q4: Who can we trust to set us on the right path?
  • Q5: What’s happening with property now? Where are we in the property cycle and what locations should we invest in?
  • Q6: What type of properties should we be looking at if we are in this particular demographic?
  • Q7: What’s the best loan structure and strategy for my situation before I’m in this particular demographic?
  • Q8: When should we buy the next one? After the kids are in high school?
  • Q9: How can we find the best way to get started at this stage of our life?

 

Experienced Property Investors:

  • Q1: Is your current portfolio correctly structured for optimal growth and will new property strategies actually work for you?
  • Q2: How many do I actually need?
  • Q3: How do I review my portfolio?
  • Q4: How can you grow your portfolio quickly without risking all you’ve worked so hard to achieve?
  • Q5: How can you invest in property when you’re nearing retirement and concerned about conserving your current nest egg.
  • Q6: What’s the truth about self-managed super funds? Should you have one? Us it set up for ultimate performance and is your current structure in danger of noncompliance?
  • Q7: How do I diversify my portfolio?

 

Today’s Links…

If you’re not keen to download the booklets, no worries! Here is the list of resources that were mentioned today:

 

 

 

 

 

 

 

 

Episode 246 | Real Estate 101: Everything from Buying Your First Home to Beginner Investor Tips

Attention! First-time investors, first home buyers and property investors needing a refresher!

This episode is your official “How To Guide” — including everything you need to know about buying property… AND investing in it! We answer your questions, we tell you exactly what you need to know to avoid the mistakes from the get go, what investment makes for a good investment AND how to get onto the property ladder quicker and without the hassle!

This is Episode #1 of TWO EPISODES that cover the types of property investor demographics out there… our beginner folks all the way to our astute listeners who already have a property portfolio to their name. And guess what? Today is ALL about our “first time-ers”… first time investors… first home buyers…. and those who wish they’d had access to this info when they FIRST started!

We’re also throwing in Free Report for EACH of the profile including a transcript, commonly asked questions, links mentioned in each of the section and Additional Bonuses to help you in your journey. So between these two episodes, make sure you pick up the Demographic Booklet that’s designed for you!!

 

Today’s Freebies…

Fill in the form below and we'll send it to your email straight away!

  • Which report are you interested in?
  • This field is for validation purposes and should be left unchanged.

 

 

So… Today’s Questions are…

For First Home Buyers:

 

For First Time Investors:

 

Today’s Links…

If you’re not keen to download the booklets, no worries! Here are the list of resources that were mentioned today:

 

 

 

 

 

 

Episode 244 | Borrowing Power in 2019: Everything You Need To Know

APRA has recently made changes that affect a lender’s borrowing power — what does this mean for property investors and home owners… and their interest rate?

Well, folks… we’re deep diving on this today (and getting a little bit technical), because in July 2019, the Australian Prudential Regulation Authority (APRA) came out with their revisions to the “buffer” and “floor rates” of their Prudential Practice Guide APG 223.

And why are we telling you this? In a nutshell: this results in a change, potentially an increase, in a lender’s borrowing power… which means YOU can potentially borrow more money!!! (Not sure why this is a good thing? Listen to this episode on the basics of borrowing power first).

Now, if you’re wondering what on earth we mean by “buffer, “floor rates” and “potentially”… take it easy… we’ve totally got you covered here — we explain all this, incl. examples of a single person AND a couple, so you can get a “real life” angle on all this. Plus, Ben’s obviously in his element so he drops a lot of new gold and mortgage broking insights!

Oh, and did we mention that we’ve also sneaked in a little Finance Q&A as well?? Yep, true story. You can find the exact questions a little further down in these show notes 🙂

 

Free Resources

 

Key Learning Points

  • Debrief: How do APRA’s changes affect borrowing power?
  • Why is Ben describing lending in 2020 with the world throttle?
  • What is the variance in borrowing power of Principle and Interest vs. Interest Only Home Loans now? What does that mean for an investor?
  • Quickstart History Guide on Lending
  • What has happened to the Floor Rate?
  • What is each of the “big four” bank’s NEW floor rate?
  • What is a Sensitivity Margin?
  • How did poor regulation contribute to the Global Financial Crisis?
  • What’s a gig economy?
  • How much is the Commonwealth Bank of Australia (CBA) now spending per year to rectify and enforce new changes following the Royal Commission?
  • Example: A Single Person’s Borrowing Power
  • Example: A Couple’s Borrowing Power

 

The Questions

Question from Bella

We just bought a house and are setting up our loan. Should we get our wages put directly into our offset account and then pull money into our everyday account for expenses and keep a minimum amount in there, say $2,000? My husband wants to do it the opposite way. And just pay our offset with leftovers after expenses. What should we do?! HELP! 

 

Question from Todd

Hi Ben and Bryce, Love your podcast! Have learnt so much since I found it 6 months ago. My question is loan structure related, with tighter lending these days is it an optimal strategy to split my PPOR Loan into 3 or more splits so I can pay them off quicker and then re-borrow once payed off to invest? Or is it better to build up a large sum in my offset account? Thanks in advance guys and go Eagles Stig!

 

Question from James

With the RBA’s drop in interest rates to 1%, I (like most people) are considering refinancing away from my current mortgage provider. We have been looking into a few options, but keep hitting a hurdle due to being on one wage and having 2 properties (our owner occupied and one investment) as I am currently on a non-permanent workers compensation payment through DVA, the banks will not recognise my wage as a salary.
So, my question is, with APRA’s change and loosening the reigns on lending, has this already came into effect? If not, when is this due to be implemented by the banks? Thank you

Question from Stuart

Hi Bryce and Ben, long time listener, first-time caller from NZ. Love listening to all your podcasts every week. Quick question regarding my PPR and mortgage offset. I have received a windfall, which I am wondering the best use of. I could put it all into my offset account against my mortgage and with my current offset savings this would 100% offset my mortgage and I continue to pay it down over the next 10 years. Or am I better off paying down a large portion off it immediately leaving the balance fully offset to pay off over just a few years. I guess it’s a matter of keeping the offset bucket full against the mortgage, or paying down the mortgage ASAP. I also have 1 investment property, which I’ll need to reorganise to start offsetting ASAP. Hope that makes sense, thanks.

 

And here’s the table that Ben promised on the show! 😉

 

 

Episode 243 | This is How You’ll Be Buying Property in the Future… Steve & Trent from Phoria

Want to know EXACTLY HOW you’ll be buying property in the (not too distant!) future??

We know we sure do!

So folks, here to tell us what the future in real estate is with augmented reality, virtual reality and a whole lot of jaw-dropping new tech is Steve Kounnas and Trent Clews-de Castella from Phoria, a world leading immersive tech studio that specialises in just this! Not to mention the fact that Phoria’s good mates with the likes of some “kinda known” brands like Google, REA Group and News Corp — oh, and they also happen to be neck deep in their mission to transform human experiences!

And, yep, the reason we’ve got them on isn’t just because Steve and Trent have ALREADY changed the game in the “extended reality” space… but also, they’re about to clue you in on what’s to come!!

Sure, you might think this stuff is like something straight out of a sci-fi film … but we kid you not folks… it’s anything but! Yep… it IS coming (in fact… it’s already here)… so you can only imagine how fast some of these changes are going to land in the real estate industry!!

Picture this… buying property in a VIRTUAL world!

And before you get all weirded out… just remember… not too long ago the thought of an iPhone seemed impossible/ridiculous/the brain child of someone completely nuts… but NOW??  Well… we’ve all got one in our back pockets, don’t we?

Stay ahead of the curb and you’ll always be ahead folks!  😉

 

Resources Mentioned:

 

The Top Highlights…

  • What’s virtual reality going to do to property?
  • What’s a Matterport camera and how’s it going to change the way you SEE property?
  • What will you eventually be able to scan and create in your own home?
  • WHEN will this tech be in 80% of the property market?
  • How are real estate agents going to deal with you when these changes roll in?

 

Plus These Gold Nuggets…

  • What’s the difference between virtual reality and augmented reality?
  • How will this tech transform the way you maintain your property ie. construction, water pipes etc? (well, the entire building and trade industry really!)
  • How did Steve and Trent get interested in augmented reality?
  • When did they realise they were seriously onto something?
  • How’d the first ever “virtual inspection” of a property come about?
  • Who’s investing in these types of companies? And what does that tell us?
  • What industries are also being lead and transformed by this tech?
  • Is this stuff super expensive?
  • 10 years from now… what are you looking at? How are you buying property?

 

 

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