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544 | Election Promises vs. Reality: Will Any Party Actually Fix Housing?

By in Podcast, Property Investment

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It’s Federal Election time! 🇦🇺🏠💥

Folks, in this special deep-dive episode, we’re lifting the bonnet on the major parties’ housing policies and asking the real question… 

Will they actually fix Australia’s housing affordability crisis… or just make it worse? 

With both Labor and the Coalition promising big solutions to the “housing crisis”, we’re unpacking whether their policies will truly help you get into the market.

And we’re doing it with a special lens on how these policies will impact supply and demand – the real solution to affordability.  

Tune in to hear:

✔️ The top housing policies from both Labor and the Coalition (including Labor’s 5% Help to Buy Scheme and the Coalition’s $5B shovel-ready program)

✔️ The larger economic forces at play — supply, demand, and what’s really driving this housing crisis

✔️ What it would actually take to fix Australia’s housing affordability issues

✔️ Why aspiration is Australia’s true competitive advantage (and what it means for you)

✔️ The real difference between throwing money at the problem vs targeting supply, and more!  

If you want a clear, practical look at how upcoming election policies will impact your portfolio and the wider housing industry, then tune in now!  

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Timestamps  

  • 0:00 – Election Promises vs. Reality: Will Any Party Actually Fix Housing? 
  • 1:13 – AFL Talk: Pies sitting top of the ladder 
  • 5:15 – Help us give the gift of sight to 100 more people 👁️✨ 
  • 7:34 – Mindset Minute: The mindset that wins, in property and in life. 
  • 11:00 – Why aspiration is Australia’s competitive advantage 
  • 14:48 – Election Promises: “Will their plans help you get into the market — or just push prices even higher?” 
  • 17:41 – The Labor & Coalition’s macro policies  
  • 20:33 – The real solution for affordability 
  • 21:12 – Labor Policies: $10B for social and affordable housing 
  • 24:55 –  $1.2M new homes: The National housing accord & new builds  
  • 26:11 – “The most important thing for supply”: Shovel-ready sites 
  • 27:24 – The Social Housing Accelerator  
  • 28:55 – The Help to Buy scheme 
  • 30:37 – Who it benefits and demand impacts  
  • 32:44 – The Home Guarantee Scheme Expansion: Only a 5% deposit?!  
  • 35:03 – However, it does have a dark side…  
  • 36:15 – Rent Assistance: $2.7B spend for low to middle income earners  
  • 37:46 – $9.3B for the National Housing & Homelessness Agreement   
  • 38:46 – Build-to-Rent and its multiplier effect  
  • 40:33 –The #1 policy we’re critical of (& it’s unintended consequences)  
  • 42:00 – Wrapping up Labor Policy: “It’s throwing a lot of money at the problem.”  
  • 43:52 – Coalition Policies: The Housing Infrastructure Program – $5B for $500,000 shuttle-ready projects   
  • 45:16 – From the US to Australia: The First Home Buyer Tax Deduction 
  • 47:41 – Reducing Immigration: Does it really speak to the supply story?  
  • 50:01 – Why “The Ban of Foreign Buyers” is a smart policy  
  • 51:30 – The sensible Superannuation Saving Scheme  
  • 52:44 – (Labor Policy) Why Free TAFE is NOT a good idea  
  • 53:27 – Construction Apprenticeship Boost: The $12k incentive  
  • 54:15 – Easing APRA’s 3% buffer & the blaring red flag with it  
  • 57:49 – Freeze the national construction code for 10 years 
  • 59:49 – Utilising unions to stop corruption and increase productivity  
  • 1:01:22 – The top 4 coalition policies & its challenges  
  • 1:02:10 – What will actually be effective against Australia’s housing problem?  
  • 1:07:30 – Why either policy will benefit existing property investors in the short-term!  
  • 1:08:46 – The Labor vs. Coalition: Whose policies are better?  

And… 

  • 1:11:22 – Life By Design Hack: During election week, 10 minutes reading the news, 10x that on your own financial game plan. 
  • 1:12:24 – WMPN: The most unaffordable electorates across Australia & the Greens’ policy  

 

494 | “The Table of Truth”: Everything You Need to Know About Property & The Budget

By in Podcast, Property Investment

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Folks, the 2024-25 Federal Budget has just dropped, so what does it mean for property investors and the broader economy?   

In this exciting episode, we’re unpacking everything you need to know about the new budget and bringing in a leading financial market expert to help.   

Returning to the couch is Evan Lucas – economist, Moorr ambassador and author of the best-selling book Mind Over Money. Basically, we’ve brought in the big guns to tackle:    

💰 Is this budget economically or politically driven?
🏆 Who were the winners & losers?
💸 The drastic spending decisions made by the government (and the resulting deficit)
📈 The secondary inflation wave on the horizon
❓ The #1 big surprise missing from this budget
🏠 Why we will NOT reach the goal of 1.2M new dwellings
 🔄 What would it take to see positive political reforms?   

As Evan says, “Subsidies are not a magic bullet through fixed inflation.”   

To understand this year’s budget and what it means for you, tune in now folks 😊   

   

Free Stuff Mentioned

 

Timestamps

  • 0:00 – “The Table of Truth”: Everything You Need to Know About Property & The Budget 
  • 3:26 – Mindset Minute: “Our Well-Being Lies in Our Actions” 
  • 8:09 – We’ve brought in the big guns: Evan Lucas!  
  • 10:27 – Is the budget economically or politically driven?  
  • 17:00 – What would it take for positive reform to happen?   
  • 28:38 – The drastic spending decisions made by the Gov 
  • 31:03 – …and the staggering deficit in the coming years  
  • 33:31 – The secondary inflation wave coming  
  • 38:49 – Is this budget likely to backfire with rising interest rates?  
  • 44:12 – The 66% increase in childcare subsidies 
  • 51:51 – The winners & losers of the budget  
  • 1:01:30– The big surprise in this budget 
  • 1:04:48 – The Greens votes and rental pressures  
  • 1:07:52 – Why we are NOT going to reach 1.2M new dwellings  
  • 1:12:57 – The PICA Perspective: Negative Gearing and a proposed model  
  • 1:15:46 – What would we do differently?  
  • 1:20:33 – Bryce’s view on the Budget  

And… 

  • 1:21:56 – Lifehack: The Table of Truth  
  • 1:26:15 – WMPN:  The 2 Qs to ask your Buyers Agent 

384 | Budget Wrap – Your Questions Answered!

By in Podcast, Q&A

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Yep. You guessed it. This week’s topic is all about…

The 2022-23 Federal Budget!!  

And today, we’re unpacking what’s in it, who the winners and losers are, and answering your burning questions about the Budget!

We’re looking at:  

(We’ve got two really great questions about this at the end of the podcast, so stick around till then!!)  

PLUS, we’re unpacking interest rates and inflation! Ensuring generational wealth! Rising cost of living! Wage growth!!

If you can’t tell folks, this one’s PACKED to the brim with information and we’re very excited to be diving into it today.  

Tune in right now for the gold!  

P.S Thank you to all our listeners for these fantastic questions – it’s been fun picking our brains.  

Got more questions? Send them to us through our Speak Pipe (Click the tab on the bottom right side of our website)  

P.P.S Questions are listed further below👇 Enjoy! 

 

Free Stuff Mentioned 

 

Here are the Questions We Answer…

Luke on Regional areas 

“What areas are considered regional?”  

Char Williams on the Expansion of the Home Guarantee Scheme for First Home Buyers 

“Does the federal budget help property investors? Also, will the expansion of the home guarantee scheme for first home buyers just continue to increase house prices due to lack of stock?”  

Dan Coletti on If Budget will help Cost of Living 

“Hey Benji and Big Brice 🤭,

Would a question here trigger a start and build course voucher 🤷🏼‍♂️🙋🏼‍♂️🙏😉?

So here goes- will these budget commitments to “help” in the cost of living, drive a false economy and therefore enacting a potential for a premature interest rate rise and amount.”

shaunjb_ on RBA Interest Rates  

“Could we expect the RBA to respond by increasing rates earlier than anticipated due to some of these announcements?”

Positive.jules on Consequences of Government Backed Schemes

“Thoughts on the potential consequences of these government backed schemes that could push first home buyers into a negative equity. A position I imagine at current times isn’t even seen as a risk to many getting into the market with low deposits and assumed continuous growth as seen in the hot market.

Love ya work boys and GO PIES! #piesflag2022 #believe”

Luke Keegan on Creating Generational Wealth  

“What can i do now to ensure my young children (1 & 3) will be able to have a home in adulthood?”  

Brendan Mutsaers on the Impacts of the 5% Government loan 

“Will all the backing of government with 5% loan or less lead to poor quality borrowers and higher defaults? Thinking seeds of sub-prime loans.” 

Danielle Shacklock in response to Brendan Mutsaers’ Question:  

“I got a 5% loan as a single mum. Brought a new SUV, all new furniture, invest in shares for my kids invest in my super and have paid 10% of my home off in under 12 months. Onto the next. I put extra into my home loan and brought smart. 

I am wanting a holiday home next. I don’t think all 5% loans are set for failure. If I default on my home with the rental crisis I risk homelessness as there’s no rentals available anywhere ever. 

I’ve already been in 12 

Months and have now kept my stamp duty waiver. 

Just because people secure these loans doesn’t automatically mean they can’t manage money. The onus is back on the person lending not the lenders. 

Interesting question.”  

 

Here’s some of the gold we cover… 

  • 3:00 – What Ben and Antonia Mercorella’s covered in their recent PICA Webinar… 
  • 5:57 – Are you avoiding taking real action?  
  • 7:52 – How Australia is faring after coming out of COVID-19… 
  • 13:40 – The Budget Headlines (Who are the winners and losers) 
  • 26:55 – The Winners in Property: The 3 homeowner guarantees and housing affordability  
  • 32:10 – Refreshing stock in the bush 
  • 35:00 – Insurance and fire and flood support 
  • 37:30 – A boost in the infrastructure and tourism industries
  • 40:15 – The Losers in Property: Why our S___ should be paying for build to rent programs!  
  • 41:42 – Q1: What areas are considered regional?  
  • 42:59 – Q2: The Expansion of the Home Guarantee Scheme  
  • 45:54 – Q3: Will the Budget help Cost of Living?  
  • 49:50 – Q4: RBA and Interest Rates 
  • 52:30 – Q5: Consequences of Government Backed Schemes 
  • 54:21 – Q6: Creating Generational Wealth 
  • 56:25 – Q7: Impacts of the 5% Government loan 

And… 

  • 1:01:53 – We love the Live Text!  
  • 1:04:02 – Top #10 suburbs threatened by….C____ E____! 

 

Free Report: The 2021-22 Budget Breakdown!

By in Free Resources

Folks, the Australian Government has released The 2021-22 Budget!

So, in this free report you’ll find the numbers we unpacked in Episode 339 | “Man, Can Politicians Spend Money!!” – Plus Property Q&A …‘cos let’s face it, sometimes it can be difficult to absorb all the numbers on a podcast! We’ve also included some other “top level” budget numbers you might find useful.

 Here’s what you can expect in this report:

  • The $15.2 billion infrastructure spend!
  • Free cash back (tax offset) & how much you might be entitled to…
  • First Home Saver Scheme
  • Family Home Guarantee for Single Parents
  • New Home Guarantee
  • Superannuation Downsizer Scheme
  • The increase to the Child Care Subsidy
  • Public Housing support
  • The HomeBuilder extension
  • VIC State Budget & the Consequences for Property Owners and Property Developers

What are you waiting for? Fill in the details below and we’ll email it to you right away. 😊

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339 | “Man, Can Politicians Spend Money!!” – ft Property Q&A

By in Podcast

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Folks, as promised we’re diving deep into the 2021-22 Budget Review – what’s in it, what the key takeaways are for property investors, first home buyers and us Aussie taxpayers!!

In a one-liner summary… “Man, Can Politicians Spend Money!!”

Yep. And we’re unpacking quite a bit of it – such as…

  • The $15.2 billion infrastructure spend!
  • Free cashback (Tax Offset) & how much you’re likely gonna get back…
  • First Home Saver Scheme
  • Family Home Guarantee for Single Parents
  • New Home Guarantee
  • Superannuation Downsizer Scheme
  • The increase to the Child Care Subsidy
  • Public Housing support
  • The HomeBuilder extension
  • VIC State Budget & the consequences for property owners and property developers

Plus, to give a bit of contrast to the budget news we’re also circling back on a few key evergreen property investment formulas and answering a couple of listener questions!!

Get ready – you’re in for a solid ep, folks!

 

Free Stuff Mentioned…

 

The Questions…

Question from Al Knight Lewis – Investment Stock & Investment Grade – Is it still relevant?

“Good afternoon. I have just started listening to your podcasts and am finding them so interesting! Episode 8 talks about investment stock vs investment grade and I’m wondering if the info in this episode is still current and relevant 6 years later? I’m looking for our first investment in Brisbane.”

 

Question from Don Holloway – Are there any benefits from having $10k sitting in an offset?

“With interest rates so low atm is there any benefits from having $10k sitting in an offset? My calculations (and confirmed by investment bankers and mortgage brokers) best to buy quality shares with your $10k than to month ball it into an offset account. Would love to hear your thoughts on this. BTW, I’ve read your book Make Money Simple Again last year. Found it to be a parallel to Scott Pape’s Barefoot Investor“.

 

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