Interest Rate Archives - Page 31 of 31

025 | Q&A – High LVR, Capital Gains Tax, Cross Collateralisation and SMSF Property

By The Property Couch August 20, 2015 in Podcast, Q&A

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Its Questions and Answers time! Thanks for all the suggestions on new topics to cover in this podcast. For today’s episode, Bryce Holdaway and Ben Kingsley will be addressing questions from:

High Loan to Value Ratio (LVR) question from Andy : As a relatively new investor, would you recommend gearing as many of my initial purchases at 90-95% LVR as possible to help get ahead early on and do you foresee a lot of the banks starting to restrict this type of lending going forward with the interest rates currently so low. If you do recommend it, how do we best manage the risk for the first few years until the properties grow and loans come down to the 80% mark?
Capital Gain Tax (CGT) question from Paul : It would be great if an episode could cover “capital gain tax“. I have recently had to sell an investment property due to lifestyle decision but didn’t incur any charges as it was my first place. In future if I have to sell to upgrade to a bigger investment It would be great to know the CGT laws in each state.

Cross Collaterisation from Andrew : In recent Episode 20 you touched on cross collateralisation and while it is not the best option, I was wondering if you could expand on where you might need to use, why you would use it, to what extent would you use it and how would you un-cross collateralise your portfolio?
SMSF and Property from Billy : I’m interested in using a Self Managed Super Fund to invest my super in property. I’d like to hear your opinions on this subject. Would you recommend SMSF Property or not?

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RBA July 2015 Cash Rate Cut

By The Property Couch July 8, 2015 in RBA Announcement, Videos

Today the Reserve Governor and the Board met and kept the cash rate at 2%. We saw changes in February and also in May of this year and now again, the Governor and the Board is basically just waiting to see what happens.

(People watching/reading this should be reminded this is an opinion comment by Ben Kingsley, and should not be used when making decisions about financial matters without seeking further clarification and understanding of your own personal circumstances. This article is not advice you should rely upon. We recommend you to speak to a licensed professionals before taking any action with your financial affairs)

ABC News 24 – Property Bubble in Sydney and Melbourne?

By Ben Kingsley June 12, 2015 in Free Resources, Videos

Ben Kingsley has recently appeared as a guest on ABC News 24 – The Weekend Breakfast show. He has appeared on this show a couple of times but this time the main focus is on the Property Bubble in Sydney and Melbourne. First of all, is there a bubble? Ben has mentioned in Episode 14 that it’s not a bubble but more like a balloon. Also, he has created a free report and presentation on the Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007 to help our listeners understand what he meant. In this show, he discuss further on our Treasury Secretary, John Fraser’s remark that Sydney is “unequivocally” in a property bubble, impact of the interest rate movement on Australia’s household borrowing power and loan servicing in the future. He also mentioned that the historically low interest rate at the moment will not last forever and will the Property Market crash as the interest rate starts to rise? Watch this video to find out more now.

We’ve just created a Free Resources section where we share some other advice and tips on top of the property investing podcast. Make sure to check it out regularly! And if you are liking this property investing podcast, please do leave us a review on our iTunes store or our Facebook.

RBA June 2015 Cash Rate Cut

By Ben Kingsley June 2, 2015 in RBA Announcement

Today the Reserve Governor and the Board met and they’ve kept interest rates on hold. Now this was widely anticipated. The facts are, at 2% cash rate, it is at historically low level and if we were to actually move rates further down which we do have capacity to do if you look at the minutes. Now, if you are wondering what factors have motivated the RBA to make this decision, check out Ben’s commentary on it.

Commentary & Opinion of Ben Kingsley – CEO & Founder; Property Investment Analyst and Advisor and current Chair of PIPA Ben Kingsley is the Founding Director of Empower Wealth and Chair of Property Investment Professionals of Australia (PIPA). A qualified Property Investment Advisor (QPIA), Ben holds a Real Estate Agency License (QLD), a Diploma of Finance and Mortgage Broking Management, a Diploma of Business and has become one of Australia’s leading experts in property investing for wealth creation. (People watching/reading this should be reminded this is an opinion comment by Ben Kingsley, and should not be used when making decisions about financial matters without seeking further clarification and understanding of your own personal circumstances. This article is not advice you should rely upon. We recommend you to speak to a licensed professionals before taking any action with your financial affairs)

RBA May 2015 Cash Rate Cut

By Ben Kingsley May 5, 2015 in RBA Announcement, Videos

Today the Reserve Governor and the Board met and they’ve dropped interest rate once again to 2%. So following the February rate cut, they’ve followed it up with a May rate cut. Now, if you are wondering what factors have motivated the RBA to make this decision, check out Ben’s commentary on it.

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