55 | Investment savvy mortgage broker and why interest rate is not king?

By The Property Couch March 17, 2016 in Podcast

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The last time we did a podcast on finding a mortgage broker was in Episode 43. We’ve received a lot of feedback after that episode on what kind of questions the borrower should ask to determine if the broker they are speaking to is investment savvy and if there are any websites that sort of serve as a directory.

So this time around, our hosts will be sharing a framework to help you understand the difference between a banker and an investment savvy mortgage broker. They will also be focusing on the differences between lenders and things to look out for between the lenders. Lastly, they’ll discuss the all time question on, “Why is interest rate NOT king?”.

Free resources:
– Watch Ben on The Today Show here
– Money Magazine’s March 2016 Cover Story
– Money SMARTS System – Listen here

If you like this podcast: “Investment savvy mortgage broker and why interest rate is not king?”, don’t forget to rate us at 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/

043 | How to Choose a Mortgage Broker Wisely?

By The Property Couch December 24, 2015 in Podcast

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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/

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.
- Comments
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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.

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.
- Comments
  This field is for validation purposes and should be left unchanged.
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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

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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Free Resources

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