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Bonusisode | The Changes to Broker Regulation that will Impact Investors

We’ve got Phil Tarrant from Smart Property Investment Podcast and Alex Whitlock, the Mortgage Business Director at Momentum Media for today’s Bonusisode folks!

What are we chatting about?

Well, it’s all about the future of the mortgage broking industry following the Banking Royal Commission’s Final Report and how will it impact the consumers moving forward.

It’s not very often that we have a trade-specific podcast, but as this will have a significant impact when it gets rolled out, we thought it’s crucial to increase the awareness on it.

Here are some of the links that we spoke about…

 

p.s. If you like this episode, make sure to check out Episode 218 | The Warning Signs of an Economy in Trouble as well!

 

Episode 043 | How to Choose a Mortgage Broker Wisely?

Merry Christmas! It’s the first Christmas on The Property Couch and Bryce and Ben is definitely in a festive mood. In this podcast they will be sharing some of their stories on mortgage brokers and what role do they play in building a property portfolio.

We’ve spoken about this before in Episode 17 where we talked about the concept of a Personal Banker. In this episode, we’ll list out the criteria to look for when you are thinking about including a mortgage broker into your property team. Yes, it does need to be an investment savvy broker but what else? Bryce and Ben will also be discussing about why loan structure and a sound finance strategy is crucial.

We will also be answering this question from Andrew:
Hi guys, loving the podcast. You’ve talked in past episodes about what to look out for when choosing to engage a property manager for your investment property. Could you discuss how you would go about selecting a mortgage broker? I have utilised the services of mortgage brokers in the past and have found that many of them are purely transactional and only use the big 4 lenders.

 

 

If you like this episode, don’t forget to rate us at 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/

Episode 004 | Four Pillars of Mastery – Borrowing Power

This may be one of the most important factors when investing in property… 

Continuing with our “ABCD” Property Investment Formula which all property investors should master, we’re advancing to B for Borrowing Power!! 

Folks, now that you know how much surplus you have at the end of each month (thanks to the previous episode on Cash Flow Management), the next step is knowing YOUR borrowing power! 

Did you know that having higher borrowing power can greatly increase your accumulated wealth?  

But it’s not always as simple as going to your bank or mortgage broker to set up a loan…

 In fact, many unseen factors can create unwanted “glass ceilings”.  

We’ll cover how to recognise the signs of Borrowing Power and more importantly HOW to increase yours… 

PLUS, we’re unpacking INCOME: how does it affect your suburb’s desirability and value growth, and when did income and property value even become linked?! 

👉 Tune in for the gold!  

 

Free Stuff Mentioned:  

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away!

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
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Here’s some of the gold we cover…

  • 1:55 – What is Borrowing power (and why is it so important?!)  
  • 3:34 – Don’t make this couple’s mistake! 
  • 4:55 – The relationship between borrowing power and prices  
  • 7:00 – Who actually sets the market price?  
  • 7:38 – The signs of Borrowing Power!  
  • 8:00 – How do occupants affect their suburb’s value?  
  • 10:07 – The rise of The Great Australian Dream!  
  • 11:11 – The 1970s saw THIS positive change 
  • 11:53 – The 1990s, however, were… 
  • 12:40 – Why income is SO important! 
  • 14:34 – Leverage decides ____ class  
  • 15:54 – What is Cash-on-Cash returns?  
  • 16:50 – Cash Flow Management and SENSIBLE Gearing!  
  • 18:00 – How to increase YOUR borrowing power   

 

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