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169 | Alan Oster – NAB’s Group Chief Economist – on Interest-Rate Rise, Tax Cut and The Future of Residential Property

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Let’s get down to business, folks! Today we’re tackling the past, present and future of Australia’s economy…

And who better to help us out than Alan Oster, Group Chief Economist of the National Australia Bank (NAB)!

Alan sure knows his stuff, folks — as Group Chief Economist, Alan is responsible for NAB’s global economic and financial forecasts. Not to mention, before he started at NAB (which was in 1992, mind you), he worked as Senior Adviser in Treasury specialising in economic forecasting and modelling for an impressive 15 years. Oh, and in 1987 he was seconded for nearly four years as Counsellor-Economic and Financial with Australia’s delegation to the Organisation for Economic Co-operation and Development — OECD — in Paris.

Yes, he’s definitely the man you want to speak to if you’ve got a question about Australia’s economy!

 

Hold on to your seat folks cause here’s what you’re in for:

  • Where is the economy going in the next 12 – 18 months?
  • Rather than mortgage stress, what’s the number one issue at present?
  • What’s going to happen, on average, to house prices?
  • Will your wage increase any time soon?
  • Federal Budget 2018: What’s in store and will we see tax cuts?
  • Who will struggle most with postcode restrictions?
  • What needs to happen to benefit the economy?
  • Is the Australian economy going to be better or worse?
  • How do foreign buyers and the Chinese market fit in?
  • Will APRA keep tightening the lending regulations?
  • When’s the cash rate likely going to increase?
  • Is inflation on the rise?
  • What’s in store for interest-only loans?
  • What’s happening in the US with the 10-year bond rates?
  • Why do banks care about outer city living and inner city living?
  • Is the demand in Sydney and Melbourne slowing?
  • What’s the riskiest sector should unemployment starts to rise?
  • What’s the difference between “the bricks” and the “the clicks”?
  • What do banks ALWAYS look for before handing out loans?
  • Who owns most of the apartments in the capital cities and what are his thoughts on the future of the apartment market?
  • What about the second-tier cities (Brisbane, Adelaide etc.)
  • Which states are having the fastest rental growth?
  • Is Perth now an investment-grade location?
  • Where would Alan invest his money?
  • What happened when then Treasurer Paul Keating removed negative gearing?
  • What will be the economic impact and consequences if negative gearing is removed again at the current time?
  • How should we tackle housing affordability?

 

p.s. Looking for the special reports mentioned in today’s show?

 

Season 3 is out! The Property Couch + RealEstate.com.au

By in Free Resources

Season 3 is back in full force

Alright folks, here we go again! With over 831,900 views in the previous two seasons we are aiming for big stuff this time around! This season is all about the numbers and recent changes in the Australian Property Market so make sure to tune in and find out more!

Here we go!

 

And of course, here are the trailers!


 

Here are all the episodes from previous seasons!:

Season 2:

  • Investing in property can help you retire comfortably | Watch here >>
  • Need a home loan? Here are the 5 Cs the banks looks for  | Watch here >>
  • What makes for an investment grade property? | Watch here >>
  • The other “C” in property! What and How do you compromise on what you want? | Watch here >>
  • The 4 ways you’ll pay as a property investor? | Watch here >>

Season 1:

 

We’d love any feedback or suggestions on which videos you’d love to see! So get in touch with us here: [email protected].

 

All the best,

Bryce, Ben and Stiggy

 

 

165 | Royal Commission’s Role in the Lending Sector and Q&A on Improving Loan Serviceability, Sell v Hold Strategy and Investing in Shares

By in Podcast, Q&A

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Just a heads up, folks: we’re tackling a couple of serious topics today!

Because, not only are we diving into the world of the Banking Royal Commission (and what they do), we’re also answering a few voicemail messages about how to best service your loan, what to look out for if you considering investing in shares and having a crack at the million dollar question: should you sell or hold??

Yep, Ben will be donning on his Chair of PICA hat to address some of these topics, especially when it comes to choosing your mortgage broker wisely and making sure, as property investors our assets and financial wellbeing are well protected!

 

As part of this, we will be dropping the “F” word… Fraud.

It should go without saying, DON’T go there… but if you find yourself taking dodgy advice, you could find yourself in boiling water too. And remember — for the folks that haven’t signed up yet — you can get an individual Membership of PICA for as little as $5 to lobby government regulations and help us get rid of the “bad eggs” and spruikers responsible!

 

So, let’s jump into the SpeakPipe Q’s:

Question from Nick (from New Zealand) about Selling or Holding a House and Land Package:

I purchased a house and land package in Landsdale, Perth in 2012. It’s next to the parks, next to the school; it’s a beautiful place with nice places around it — should I play the long game and hold onto it? Or should I look at selling it & placing my money elsewhere? It’s cash flow neutral, so it’s not costing me anything. It’s rented out, I’m paying the debt down through my own cash flow… the only other thing is, I’m at university so if I sell it, I won’t be able to get another place — I wouldn’t be able to get a mortgage — for 2 years until I graduate. I know it’s a million dollar question — but should I sell it or hold it?

 

Question from Will about serviceability concerns with current lending regulations:

We’ve got a current portfolio of currently 3 properties, looking to buy our 4th and final property in late 2018. I’m a little bit concerned about serviceability since the new APRA rules? have been brought in with the big banks. I was wondering if there were any practical things we could do to improve our serviceability? The second part to the question: Is there anything we can do to increase serviceability with second-tier lenders and third tier lenders?

 

Question about shares from Jamie:

Through your podcast, Rich Dad, Poor Dad. In the book, it talks about using shares to raise a deposit to purchase property. I was wondering if you were aware of any podcasts or books or any other resources that are similar to your own podcast but talk about trading shares? It’s something that is less tangible than property and I have a harder time understanding it.

 

p.s. Make sure to check out PICA’s website: www.pica.asn.au

p.p.s. And the video that we talked about is called, Becoming Warren Buffet.

 

163 | Infrastructure: What’s the Game Changer for Property?

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We’re going off the cuff today, folks! Yep, there’s been no prep behind this podcast… BUT we guarantee it’s still going to be golden!

Why?? It all started (yesterday) when Ben created a little pop quiz for the staff at our company… and his question is:

What is the No.1 infrastructure needed to grow property prices?

Based on the banter that spread through our office, the answer might also surprise you!!
So, let’s drill it down to these two points:

  1. How are megacities built?
  2. What’s the connection between infrastructure and property prices?

 

Here’s the deal:

 

Stick around for Ben’s Did You Know … you’ll find out the projected population growth for Australia’s cities (this might influence where you invest!)

Missed our Facebook Live yesterday?

We announced a Free Live Webinar — “The 7 Deadly Sins of Building a Property Portfolio: The hidden habits undermining your success (and how you can overcome them)”!

You can register for the Live Webinar here.

 

P.S. This episode’s a true glimpse of what an overheard convo between Bryce and Ben sounds like! Gold!!!!

 

 

162 | Q&A – Second-tier Lenders, Brisbane’s units market and the order in Investment Assumptions (PLUS a special appearance from Jeremy Sheppard)

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We have a couple of treats in store for you today, folks!!

Not only is it Q & A Day — we know: it seems like forever since we had one, and we love ‘em!! — we’ve also created A BRAND NEW SEGMENT, which is kicking off on the Couch TODAY.

Yep. Think property markets. Think sneak peak. Think data!

Actually, speaking of data, joining us for a portion of today’s episode (hint, hint) is Jeremy Sheppard! He’s our other third of LocationScore.com.au and the pioneer of the DSR Formula, which collects, analyses and researches the level of supply and demand across every market and 15,000 suburbs in Australia!

(You would have heard his insights back on Episode 125 | Everything You Need to Know about Picking the Next Hotspot — Chat with Jeremy Sheppard or on our last Facebook Live!)

 

…. What will be covered from today’s questions?

  • Should you invest in a Brisbane unit?
  • What are the pros and cons of second-tier lenders?
  • Are the assumptions about property investing making you confused?

Alright folks, before we kick off the questions, you’ll notice soon that all of them are voice recorded messages! Yep, we’re officially prioritising all of our questions that come in through our SpeakPipe widget! So leave us a quick, 60 second voicemail here!

 

Question about Investment Assumptions from Matthew:

“I’m wondering if you guys can take a moment and reflect on the investment assumptions in property, particularly on stuff like, “Hey, you should always buy in this order for capital gains: you should by a free standing house, and then a townhouse or a free standing house and a duplex and a townhouse and an apartment”… all of these investment based assumptions, which are general rules of investing in property. It’d be good to examine when they’re true and when they’re not true with different cases. I look forward to your answer. Cheers guys!”

 

Question about Investing in Brisbane Units from Pia:

“I’m a 31 year-old single woman from Brisbane with a budget of $360,000. My question is about the Brisbane unit market.
My priority is investment and I’m open when it comes to the location or type of property I purchase, but ideally I’d like to buy a place I can live in for the short to medium term, and a Brisbane unit is the best fit in that regard. I’ve been looking a 2br, 1 – 2 bathroom units in a 3 – 10km radius of the city in older boutique blocks. I’ve heard all of the warnings about the oversupply of apartments in the Brisbane market at the moment, but I’m wondering if this is the time when “Others are fearful and I should be greedy”? Where do you think we are in the market cycle? Are Brisbane units about to go up in value or are we still looking at another couple of years of downward or flat growth?

 

Question about Second-tier Lenders from James:

“My question is there have been a lot of media articles and posts around lenders outside of the big four banks, or second-tier lenders…. What are the Pros and Cons of using these lenders?”

 

 

And our chat with Jeremy Sheppard?

  • Why there’s not much data in January?
  • Recapping what is Online Search Interest and should investors be worry about the impact the season would have on the property market?
  • What’s the BIG NEWS on Perth??
  • Auction Clearance Rates and who are the outperformers and underperformers in this cycle?
  • How’s the month to month trend for each of the state?
  • What does Adelaide and Gold Coast’s property market trend have in common?
  • How about Days on Market data for February 2018?

 

P.S. Leave us a Voicemail Message here.

P.P.S. Want to find the best locations to invest in? REGISTER FOR A FREE WEBINAR here!

 

 

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