Investment Grade Archives - Page 10 of 14

Bonusisode | Chat between TPC and SPI Show – How does a property expert invest in property?

By The Property Couch March 10, 2017 in Podcast

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In this joint episode with The Smart Property Investment Show, Phil chats with Ben on the importance of a good money management system when investing in property, having a sound but flexible strategy in place and understanding what you want to achieve at the end of this game of property investing.

We have mentioned it a few times on The Property Couch that it is important to have an end goal in mind when you are building your portfolio. What are we striving to achieve and where is the final destination we want ourselves to be at? These are the questions you need to ask yourself because otherwise, you would constantly be wondering if it’s ever going to be enough and ultimately, when would you stop to enjoy the fruits of your labour?

They also chat about Ben’s personal portfolio, how he started investing in property and why he’s so passionate about this industry. Tune in now to find out more.

If you like this podcast: “Bonusisode | Chat between TPC and SPI Show – How does a property expert invest in property?”, 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/.

100 | The Property Couch UNPACKED!

By The Property Couch January 26, 2017 in Podcast

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AND IT’S FINALLY HERE!!

Happy Australia Day and thank you to all you who had supported us for the past 99 episodes! It has been an incredible journey, and we are very grateful and amazed at how far we’ve come. This is just the beginning, and we promise you that for the next 100 episodes, we are definitely going bigger and better! With new segments, more case studies, guests interviews and innovative data research platform (spoiler alerts!), all we can say for now is, sit tight and buckle up for the ride. 😉

So to celebrate our 100th episode, we are ‘unpacking’ some of the tips and frameworks that we’ve chat about previously. Below are the links to the highlighted episodes:

Ep 86 (Does All Property Double In Value?): No man with an experience is ever at the mercy of a man with a theory.
Ep 18 (What is a Buyers Agent and Do You Need One?) : Your investment property is a Bricks and Mortar Bank Account
Ep 5 (Four Pillars of Mastery – Asset Selection) : 80% Location, 20% Property
Ep 24 (Seven Habits of Highly Effective Property Investors) : You won’t achieve Financial Freedom unless you take a step forward to make it happen.
Ep 99 (Q&A – Tips For Investing Late In Life, Selling Your Home, Fixing A Downward Portfolio Spiral and more) : Happiness comes from Big Rocks in the Jar.
Ep 62 (Does the Great Australian Dream still exist?) : You can outsource the implementation but don’t outsource the understanding.

Once again, thank you, and we look forward to the next 100! 🙂

PS: If you are planning to come to the Melbourne Property Buyer Expo 2017, make sure to use our discount code (TPC2017) for a free pass! Click here to get the tickets

And as always, if you like this episode (The Property Couch UNPACKED!), don’t forget to rate us on 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/

Bonusisode – A Boxing Day Chat Between The Property Couch and Smart Property Investment Show

By The Property Couch December 26, 2016 in Podcast

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SURPRISE! On this Boxing Day, we are having a joint podcast with Phil Tarrant from Smart Property Investment Show! Phil joined us back in Episode 52 talking about his journey as a property investor but in this Bonusisode (Bonus Episode), the focus will be on investing in property in 2017! Ben and Phil will be chatting about:

The health of the Australian Property Market in 2017
Understanding the different market cycles and how economic activities and infrastructure development may change the market’s trajection
How to filter out all the noise regarding property investing and look at hard facts when making an investment decision
The prospects and returns from investing in apartments and city fringe location
What are their thoughts on the lenders’ out-of-cycle rate rise
What are the criteria lenders are looking for in an ideal borrower
The importance of borderless investing and buying counter cyclical when building out your portfolio

If you like this podcast: “Bonusisode – A Boxing Day Chat Between The Property Couch and Smart Property Investment Show”, 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/.

086 | Does All Property Double In Value?

By The Property Couch October 20, 2016 in Podcast, Q&A

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Have you heard about the myth that all property double in value every 7 – 10 years? If this is true, it is certainly an irresistible offer! But if it is true, why isn’t everybody investing in property? Unfortunately, based on the report recently released by Core Logic (download link below), this is simply not true. In fact, only three capital cities in Australia had doubled their median house prices in the last ten years and so, for today’s episode, Bryce and Ben will be doing a bit of myth busting.

They will also be answering a question from Stacey:

Hi Ben & Bryce,

I have a question about the suburb of Cranbourne in Melbourne…

I recently went to a property seminar in Melbourne and the presenter was telling us that Cranbourne will be a big growth area in the future, along with Pakenham, Officer and another suburb I cannot recall. Do you think this is true? Only because my partner has a house in Cranbourne he has invested in and is renting out at the moment, and we are not sure whether to hold onto it or not.

Many thanks guys and I am loving your podcasts.

Free resources mentioned in this podcast:

How many suburbs have seen median prices double over the past decade? By CoreLogic, October 2016 – Read here
FREE Tickets to the Sydney Property Buyer Expo (Coupon code: PBE16BRYHOL) – Get them here
Salvation Army Moneycare Day – Learn more here

If you like this podcast: “Does All Property Double In Value?”, 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/

Facebook Live Bonus Episode – Q&A

By The Property Couch September 16, 2016 in Free Resources, Podcast, Q&A

Thank you for coming to our Facebook Live event on 13th of Sept! We received a lot of great questions that night but unfortunately, time ran out and we couldn’t answer all of your questions. We really do appreciate you taking some time away from your busy life to listen to us so that is why we are recording a bonus episode (or as Ben called it Bonusisode) today to answer all the remaining questions!

And for your convenience, here’s the list of questions that we answered in this episode along with the order they are in. 🙂

ps: if you aren’t sure what we are talking about, check out our Facebook page! If you don’t have the book, you can get a copy here.

From	Order	Message
Chris Topher	1 (Time: 01:00)	Assuming one has a portfolio of 5 investment properties and has entered the debt retirement phase, what does this actually look like? Is it a matter of spreading all excess cash flow evenly across the offset accounts against each loan until they are all cash flow positive or do you target the biggest loan and pay that out first (by matching the outstanding loan amount in the offset account) and move on to the next biggest loan? If these are all interest-only loans with the interest-only period ending for all 5 loans over the next 18-24 months how do you manage this, as it wouldn’t be affordable to any family budget for multiple loans to become principal and interest, so is it a case of constantly refinancing these loans and staggering the when they come out of their interest only period?
Adeline Teo	2 (Time: 03:17)	What are your thoughts about having a property portfolio with a mixture of properties, some with good rental income and some with good growth potential but negative net income?
Ashish Isaac	3 (Time: 04:10)	Hey guys love the podcast, and the book. I have a financial question to ask. I currently have a principal place of interest (paying P&I for the next 3 years, and I can’t change that as I have just fixed it unfortunately), now for example and using round figures, say if I have a saving of $25k, with a current monthly surplus of only $500 would I be better off to use my savings to pay of any agent fees (e.g. buyers agent, financial planners etc.) and with what’s left over use that as part of the surplus for the next 3 years until I can release more funds from my principle place of interest, or use all the savings to put it towards the deposit for my first investment property, this is to achieve retiring with $2000 per week hope this makes sense. thank you for all the information you have provided us this far, really appreciate it. cheers Ash
David-Anthony Gunter	4 (Time: 06:05)	Love the podcast and book! A massive fan! I have a question about inconsistent bank valuations. I purchased a two (2) bedroom unit in Rosanna in Melbourne last year in November for $275,000. I purchased this through a Buyers Agent (not you guys….SORRY!!!….but I followed the principals I have learned in the podcast) The settlement was Feb 29 2016 and I had the property re-valued a week later by several banks. I had a valuation for $480,000….$330,000….$400,000 and $295,000!!!! Is this common???
Ryan Price	5 (Time: 08:27)	Hi Guys.. 26 years old and Looking at purchasing my first property. Is it better to buy a 1st home (owner/occupy) or would it be better to buy an investment property first and continue renting (minimal rent as it’s the family home so handy for saving)
Samantha Rackley	6 (Time: 08:53)	Thanks so much for your time tonight – great job! I am confused about the difference between capital growth and income (yield) returns? Is one more important than the other or should you look for a property that is high in both returns?
Evon Fung	7 (Time: 10:27)	Hi guys, love the podcast and found the book really helpful. I’ve been using a great budgeting software for the last 10 years but I recall you mentioned something in one of your podcasts that you may have a software which can track budgeting. Is this available? (ps, will you be at the Property Buyer Expo in Sydney?)
Graeme Ash	8 (Time: 12:14)	Big thanks to Jake and co recently for their help! Quick Q:, With investment properties, is it work getting a regular valuation say every 2 years to check available equity for next property or rely on market comparable?
Jack Cole	9 (Time: 13:56)	Love ya work boys! I’m 25, if I could change one thing in the world we live in, my very long term goal is to introduce property investing as a school subject in years 11 and 12. I’ve been lucky enough to have family who invest but not all kids are. What are your thoughts?
Jag Randhawa	10 (Time: 15:52)	I am a passionate and always ready to learn individual. I have recently developed a keen interest in property market. Where do I start if I want to make a career out of it?? What sort of options do I have and what courses are must before I even think about stepping my foot in the market?? Really appreciate all the info u guys give out for free. It’s GOLD.
Jag Randhawa	11 (Time: 16:32)	I am thinking about engaging a Buyers Agent once my strategy plan is build, but how can I make sure that my BA is not getting me into something that favors him more than me. By that I mean how can I make sure that he is choosing the right property for me only and not looking just to sell one??
Jaye Kershler	12 (Time: 18:11)	On a high income for next 2 years would you buy a more expensive eg 600k property or a 450k property
Johnny Rambo Azzopardi	13 (Time: 19:13)	Hello guys, do you think the Gold Coast will bring capital growth as the media and buyers agents would have you to believe in the mid to long term.
Leisa Caines	14 (Time: 20:53)	If I had access to equity to buy a ‘cheap’ investment property now should I buy one now or wait 12mths to when I have more equity to buy a more expensive Investment property?
Maria Austin	15 (Time: 21:38)	Hi Ben and Bryce, I can’t get my head around how you can keep leveraging equity out to purchase more properties without running out of borrowing capacity, assuming that you are only purchasing only blue chip properties that don’t quickly become positively geared. Surely at some point the banks will stop lending to you, even if you have the equity. p.S. Hi Ivise 🙂
Matt Bray	16 (Time: 24:14)	Hi, my question is based on a first home buyer, how much would you recommend is needed for a first investment property and would i be better buying when i reach this sum or saving for a bigger deposit and buying a bigger investment ? thanks!
Micky Marafioti	17 (Time: 25:15)	Do you have any thoughts on investment in Port Adelaide, in Adelaide. Recent times has seen it to be a semi low social economic area, but there is enormous residential and commercial developments occurring there at the moment.
Nat Bowden	18 (Time: 27:21)	Gents what to do next? Own a townhouse as a ppor and will keep it as an investment going forward. Looking to buy a family home in 1-2 years. What to do? Save cash for this or buy an investment to leverage into the family ppor home?
Robert Thomas	19 (Time: 28:31)	Hey guys – made it through the first 35 podcasts – great stuff. Where would you buy in Melbourne right now if you’re trying to stay under the first owner grant limit (<$600k)?
Chris	20 (Time: 29:45)	Hi guys. i’m looking forward to the Facebook event. I have another question for you (number 4) Is there any chance you can discuss in depth the process of buying a property through SMSF. ie the associated costs, required structure and minimum LVR. Thanks Chris
Maria Li	21 (Time: 31:00)	Hi Ben and Bryce I understand that the process of building a portfolio involves repeatedly taking equity out of existing properties to purchase more properties. I’ve heard multiple stories of investors being able to repeat this process every 1-2 years. What I can’t wrap my head around is how an investor can take equity out of their properties every 1-2 years without falling short of lenders’ serviceability requirements. Each time you take out equity, you are essentially taking out another loan, and the lender needs to know you have the income to service that loan. Unless you are buying only positive-geared properties (which most of us aren’t), surely at some point a lender would tell you that you’ve run out of income to service another equity release loan… I understand that part of the answer is that properties become positively geared over time, but that can take 5-10 years. Some of us would like to buy more than once every 5-10 years. This is assuming all the loans in the portfolio are structured as interest-only loans with offset accounts, and that all spare cash is put into the offset accounts rather than paying off the loans. In the eyes of the lender, this means that all your loans are still at their maximum/initial balance. Theoretically a lender shouldn’t be willing to keep lending to someone who (on surface) never pays off their loans, and yet keeps taking out more loans…and yet that’s what is done by investors all the time! What is the piece of the puzzle I’m missing? Ben and Bryce – how does it work? As you know I’m a big fan of the podcast, keep up the great work!

AND IT’S FINALLY HERE!!

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