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

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?
  • The Property Couch - Property investing podcast - smsf propertyCapital 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?

 

For access to The Property Couch’s media kit, please email us here: [email protected].

 

If you like this Q&A 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/

017 | Who’s Your Personal Banker?

TPC Ep 17 - Tips

Did you know, to be a great Property Investor… 

you need to be great in Finance!  

This means you need to understand how to access money, and most importantly, understand how to use Leverage. 

Yep that’s right! And to better understand this concept, we’re drilling down into the Borrowing Power pillar, found in our Four Pillars of Mastery framework 

In theory, investors are supposed to be thinking 2 properties or loans in advance, whilst setting up their current property.  

Of course, the reason we said, in theory, is because most investors simply don’t know how to achieve this as they lack the knowledge and experience.   

So, what happens next?  

Well, unfortunately, they go to the bank hoping that the bank or lender will sort it out for them, but what folks forget is…the banker works for the bank!  

Bankers typically don’t have the capacity to conduct a thorough analysis of all investors’ loan strategies and structures. It’s kinda like going to the GP and asking them to perform knee surgery (not safe or practical!)  

That’s why in today’s episode we’re discussing how to maximise your leverage, the difference between cross-securitisation to stand alone lending (Hint: you should definitely avoid 1 of them)… 

AND why you should choose a specialist over generalist EVERY TIME.  

We’re also looking at the strategy and structure behind good lending and who your personal banker should be!   

Tune in now folks 😊  

 

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 show 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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  • Free Report: 7 Common Mistakes when selecting a Property Loan
  • Beginner’s Guide to Property Investment Webinar

 

Here’s some of the gold we cover…

  • 3:30 – Why property is all about finance!  
  • 4:33 – Why and how Ben started Empower Wealth 
  • 7:44 – Great lending is based on _____ and ______  
  • 9:05 – The motto for using Lenders Mortgage Insurance… 
  • 9:50 – Why “drilling the dream down into a goal” is so important?  
  • 13:30 – The types of plans we build  
  • 14:30 – Cross- collateralisation vs. Standalone lending  
  • 16:10 – Examples of both 
  • 17:53 – Who is the Personal Banker?  
  • 18:35 – Specialist NOT a generalist folks!  
  • 20:05 – What your mortgage broker should look like  
  • 23:00 – What you can achieve if you get this right!  
  • 24:30 – Check out this free report on 7 Common Mistakes When Selecting a Loan!  

 

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