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?

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?

By The Property Couch June 26, 2015 in Finance, Podcast

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.
- First Name
- Email
- Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
- Yes, I do! Send me my free access to Money SMARTS Platform too.
- Email
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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!

7 Common Mistakes When Selecting A Property Loan

By The Property Couch June 26, 2015 in Free Resources

Whether it’s your very first home loan, your first investment property loan or maybe even a refinance of an existing loan, the decision you make about what lender and what loan product you choose carries a significant financial impact on you, so you need to get it right. As promised in Episode 17 | Who’s Your Personal Banker?, this special report is about ensuring that those of you just starting out, or those of you who need your financial affairs brought back into order, don’t make any common mistakes.

Click on the report to start downloading it.

014 | Should you buy during a Boom? (And are we in a Property Bubble now?!)

By The Property Couch June 5, 2015 in Podcast, Property Investment, Real life stories

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There’s no denying that Sydney and Melbourne are in a boom right now…But what does that mean for the everyday investor?

Here’s the deal:

We’re exploring WHAT you should be considering if you’re thinking of jumping into these heated markets…

WHY having the fundamentals of property selection is important during this time…

And discussing the Australian Prudential Regulation Authority’s (APRA) new changes to lending policies that seriously affect pre-approvals for investors!!

In fact, we’re answering if you should even be investing at all during a boom – After all, how do you know the market hasn’t already peaked?

We’ll also be sharing our strategy for dealing with booming markets! (Check out our episode on buying counter-cyclical as part of this!)

And remember folks…

It’s not a bubble, it’s a balloon! 🎈🎈

You heard it here first!! Now that we’ve verbally trademarked it (Yep, that’s 100% legitimate 😉)…what do we mean?

Well, you’ll have to tune in to find out!

All we’re saying for now is that Sydney’s currently in a property balloon…Listen in now!

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!
- First Name
- Email
- Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
- Yes, I do! Send me my free access to Money SMARTS Platform too.
- Name
  This field is for validation purposes and should be left unchanged.
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Watch Ben’s Commentary on RBA’s release
Should you be a Borderless Investor
How To Spot A Property Spruiker?
Renovation does not equal Riches
Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007?

Here’s some of the gold we cover…

2:08 – What you need to remember about the property market
2:48 – Why Sydney is in a balloon NOT a bubble!
5:10 – FREE data on Sydney’s top performing areas
6:25 – Should you buy during a boom?
7:20 – Why you need to have your property selection fundamentals right!
8:30 – Our strategy for our clients (& why we’re out of the Sydney market right now!)
10:30 – The “Common Sense” point of view
11:13 – A safe strategy for booming markets
11:53 – What is Compression Risk?
12:55 – What properties we’re buying in a boom vs. the typical properties we buy
13:57 – THESE are the times you should buy in!
15:00 – Why you should consider your Timeframe
16:58 – Does the Commonwealth Games impact property value?
18:55 – Are you up to date on APRA’s changes to lender policies?
20:25 – Our key message!

004 | Four Pillars of Mastery – Borrowing Power

By The Property Couch March 19, 2015 in Podcast, Property Investment, Property Investment Formula

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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!
- First Name
- Email
- Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
- Yes, I do! Send me my free access to Money SMARTS Platform too.
- Name
  This field is for validation purposes and should be left unchanged.
23537

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

Free Stuff Mentioned:

Here’s some of the gold we cover…

Free Stuff Mentioned:

Here’s some of the gold we cover…

Free Stuff Mentioned:

Here’s some of the gold we cover…

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