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168 | Q & A on What % of your Income should you Spend, Borderless Investing and Smart Money Management Tips

By in Podcast, Q&A

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It’s our favourite day of the month folks… Q & A Day!!!

And we’re covering quite a bit in a short & sweet amount of time today— including AN EXCLUSIVE ANNOUNCEMENT for our Couch listeners!!! (As it so happens, this was dropped with, “Yeah, go on, let’s tell ‘em” and a nod of the head… so an absolute scoop.)

Not only that, but also we answer 3 solid questions, thanks to the legends who leave us a SpeakPipe voicemail message (remember: we prioritise your Q if you do this too)!

But back to today’s episode — if you want to know what we think of investing in Hobart, and down in good ol’ Tassy in general (it’s been getting a bit of attention from a fair few property investors), OR you want to find out if now’s the time to invest in Perth … tune in.

But 100% TUNE IN if you’re keen to get on top of your Money SMARTS — we give you a rough rule of thumb for the amount of income you should allocate to your spending habits ie. How much you should spend on Bills, Living and Lifestyle and your Loan/s!!

 

The Q’s we’re answering are:

 

Question about investing in Perth vs Melbourne from David:

Good morning Ben, Bryce & The Stig,

I’m a keen Property Couch listener and thank you for your time generously sharing all your knowledge — it’s much appreciated. Just about myself, specifically: I’m a property investor with 3 properties — 2 in Perth, one in Brisbane. I’m a medical specialist with a good income and I’m looking to go again. I have a 900K pre-approval and looking at either Perth or Melbourne through a Buyers Agent. Clearly the Buyers Agent have biases… the Perth guy things Melbourne is a terrible place to Invest and the Melbourne guy thinks Perth is a terrible place to invest. If you had 900K, you wanted to go now and are a Buy and Hold investor that lines up with your ideas around a good quality growth asset, what would you do?
Thanks very much & come on the Dockers!

 

Question about Money Management Habits from Nerida:

What percentage of my income should be allocated to living and lifestyle account, primary account and payments account?

 

Question about investing in Tasmania from Stuart:

Hey guys, I just wanted to get your opinion on whether you’re focusing your attention on Tasmania? The reason for that question is I was just on a work trip to Tasmania last week, and there was a lot of commentary on the radio about shortage of supply in rental accommodation; even talk of people living in tents. I didn’t really get full across it … but something to do with legislation taking a long time to release land or planning approvals taking a long time, so bureaucracy essentially. I just wondered if any of this shortage of supply means your Buyers Agents were looking a little more closely at Tasmania, certainly on Hobart … I’m not sure whether somewhere like Launceston comes into that. But yeah, really interested in your take on what’s going on in Tasmania at the moment, especially people looking to make an investment entry sub- $500,000 as places like Melbourne and Syd make that harder to achieve. Interested on your opinion. Thanks very much!

 

P.S. The webinar we mention:

Webinar: Property Hotspots & How To Find Them: CLICK HERE to Watch

 

163 | Infrastructure: What’s the Game Changer for Property?

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We’re going off the cuff today, folks! Yep, there’s been no prep behind this podcast… BUT we guarantee it’s still going to be golden!

Why?? It all started (yesterday) when Ben created a little pop quiz for the staff at our company… and his question is:

What is the No.1 infrastructure needed to grow property prices?

Based on the banter that spread through our office, the answer might also surprise you!!
So, let’s drill it down to these two points:

  1. How are megacities built?
  2. What’s the connection between infrastructure and property prices?

 

Here’s the deal:

 

Stick around for Ben’s Did You Know … you’ll find out the projected population growth for Australia’s cities (this might influence where you invest!)

Missed our Facebook Live yesterday?

We announced a Free Live Webinar — “The 7 Deadly Sins of Building a Property Portfolio: The hidden habits undermining your success (and how you can overcome them)”!

You can register for the Live Webinar here.

 

P.S. This episode’s a true glimpse of what an overheard convo between Bryce and Ben sounds like! Gold!!!!

 

 

162 | Q&A – Second-tier Lenders, Brisbane’s units market and the order in Investment Assumptions (PLUS a special appearance from Jeremy Sheppard)

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We have a couple of treats in store for you today, folks!!

Not only is it Q & A Day — we know: it seems like forever since we had one, and we love ‘em!! — we’ve also created A BRAND NEW SEGMENT, which is kicking off on the Couch TODAY.

Yep. Think property markets. Think sneak peak. Think data!

Actually, speaking of data, joining us for a portion of today’s episode (hint, hint) is Jeremy Sheppard! He’s our other third of LocationScore.com.au and the pioneer of the DSR Formula, which collects, analyses and researches the level of supply and demand across every market and 15,000 suburbs in Australia!

(You would have heard his insights back on Episode 125 | Everything You Need to Know about Picking the Next Hotspot — Chat with Jeremy Sheppard or on our last Facebook Live!)

 

…. What will be covered from today’s questions?

  • Should you invest in a Brisbane unit?
  • What are the pros and cons of second-tier lenders?
  • Are the assumptions about property investing making you confused?

Alright folks, before we kick off the questions, you’ll notice soon that all of them are voice recorded messages! Yep, we’re officially prioritising all of our questions that come in through our SpeakPipe widget! So leave us a quick, 60 second voicemail here!

 

Question about Investment Assumptions from Matthew:

“I’m wondering if you guys can take a moment and reflect on the investment assumptions in property, particularly on stuff like, “Hey, you should always buy in this order for capital gains: you should by a free standing house, and then a townhouse or a free standing house and a duplex and a townhouse and an apartment”… all of these investment based assumptions, which are general rules of investing in property. It’d be good to examine when they’re true and when they’re not true with different cases. I look forward to your answer. Cheers guys!”

 

Question about Investing in Brisbane Units from Pia:

“I’m a 31 year-old single woman from Brisbane with a budget of $360,000. My question is about the Brisbane unit market.
My priority is investment and I’m open when it comes to the location or type of property I purchase, but ideally I’d like to buy a place I can live in for the short to medium term, and a Brisbane unit is the best fit in that regard. I’ve been looking a 2br, 1 – 2 bathroom units in a 3 – 10km radius of the city in older boutique blocks. I’ve heard all of the warnings about the oversupply of apartments in the Brisbane market at the moment, but I’m wondering if this is the time when “Others are fearful and I should be greedy”? Where do you think we are in the market cycle? Are Brisbane units about to go up in value or are we still looking at another couple of years of downward or flat growth?

 

Question about Second-tier Lenders from James:

“My question is there have been a lot of media articles and posts around lenders outside of the big four banks, or second-tier lenders…. What are the Pros and Cons of using these lenders?”

 

 

And our chat with Jeremy Sheppard?

  • Why there’s not much data in January?
  • Recapping what is Online Search Interest and should investors be worry about the impact the season would have on the property market?
  • What’s the BIG NEWS on Perth??
  • Auction Clearance Rates and who are the outperformers and underperformers in this cycle?
  • How’s the month to month trend for each of the state?
  • What does Adelaide and Gold Coast’s property market trend have in common?
  • How about Days on Market data for February 2018?

 

P.S. Leave us a Voicemail Message here.

P.P.S. Want to find the best locations to invest in? REGISTER FOR A FREE WEBINAR here!

 

 

156 | Tim Lawless – Property Outlook 2018 with CoreLogic’s Director of Research

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We promised you a market outlook last week….. so, folks, we had to deliver!

Yep! This week on the Couch, we’ve wrangled in Tim Lawless, CoreLogic‘s executive research director for Australasia, who heads up the Data Research and Analytics team, analysing and interpreting real estate, demographic and economic trends across the country! He’s one of Australia’s leading property market commentators, so…..

In a nutshell: Tim knows his stuff.

For our newer listeners, Tim no stranger of the Couch. Back in Episode 90, he joined us to chat about the impact of Donald Trump on the Australian Property Market. So what’s in store this year for each state and capital in Australia?

Tune in…… you’re about to find out!!

 

Before we jump in and tell you the property outlook 2018, Bryce wants to remind you to send in your Android Life Hack (please and thank you) so we can even the playfield with the iPhone users! Just email it in to [email protected]!

 

Okay, so today’s big questions are:

  • What’s in store for the Australian property market?
  • Is there going to be a significant shock?
  • What’s up with the economy? (Think, “Will your wage increase?” and interest rates!)

 

Now, let’s drill it down to Capital Cities:

*** Scroll down for the city you’re most interested in ***

Melbourne

Sydney

  • What are the tips and trends happening in Sydney?
  • How much has the market fallen and how much more will it fall?
  • What areas are holding their value?
  • Which quartile is coming down the most?
  • Will Sydney bust now that it’s peaked?
  • Are first home buyers entering the market?
  • What is the median value for houses and units?
  • How will the lending restrictions affect the market?
  • Are yields increasing?

Brisbane

Perth

  • Is there growth happening in Perth?
  • Are the investment stock levels reducing?
  • How many new listings are there?
  • Is it on our radar?
  • Where are the vacancy rates highest?
  • What signs should you look for?

Hobart

  • Is it a sustainable market?
  • What sort of investor should you be in the Hobart market?
  • What are the investment trends?
  • How much of the market is investment driven?
  • Who is buying in Hobart?
  • Will there be investment opportunities coming up?

Adelaide


Canberra

Darwin

  • Is Darwin showing signs of turning around?
  • What’s happening with the yields?
  • Are buyer numbers increasing?
  • How many new listings are there? How do they compare to Melbourne & Sydney?

 

p.s. Looking for the CoreLogic January 2018 Chart Pack? Download it here!

 

 

090 | Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless

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Today’s episode is special guest day and joining Bryce Holdaway and Ben Kingsley is Australia’s leading property analyst and CoreLogic’s Director of Research, Tim Lawless, who will discuss the future of each state in Australia. Following on from last week’s episode of President-Elect, Donald Trump and the uncertainty his win will have on the market; Bryce, Ben and Tim move on to discuss what the positives to follow are due to the presidential win, even though it’s is still early days.

So in today’s episode, the main areas these three will be talking about are:

  • Tim’s backstory and experience as a property analyst and how he got to where he is today
  • CoreLogic and research methodologies for the monthly reports
  • The potential risk if interest rates rise in Melbourne and Sydney
  • Wealth bases for Hobart, Canberra, Adelaide, Brisbane, Perth and Darwin
  • What the government needs to do to help and stimulate employment for those states that are in decline
  • Trends in population and what this means for Australian property market
  • The uncertainty of Trump’s win and how this has affected the market and what potential effects are to follow

We hope you enjoy this latest post and look forward to hearing your thoughts on the matters brought up…even if it is a response to their thoughts on Kim Kardashian or Kanye West running for the next US election!

And here’s the reports mentioned in today’s podcast:

 

If you like this podcast: “Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless”, don’t forget to rate us on 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/

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