Property Investment Archives - Page 20 of 30

92 | Why A Buyers Agent is Worth the Money – Chat with Rich Harvey

By The Property Couch December 1, 2016 in Podcast

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Today we have another special vodcast episode; and joining Bryce and Ben on the couch is the President of the Real Estate Buyer’s Agents Association of Australia (REBAA), winner of The Buyer’s Agent of the Year award 2016 on Your Investment Property Magazine and Managing Director of Propertybuyer, Rich Harvey. As an established Buyer’s Agent, Property Investor, and expert in his field, today Bryce and Ben discuss the following areas with Rich:

How Rich established his career as a property investor and eventually a Buyer’s Agent
What motivated him to get his first step on the property ladder and what’s his first investment property looks like
Some mistakes and lessons learnt in his property journey
The benefits of having a Buyer’s Agent and how to find one that you can trust
Type of properties that he considers as investment grade and other types of property to stay away from
The current cycle of the Australian property market and his predictions for the market in 2017
Tips for finding the right resources to use when looking for investment properties

ps: We hope you enjoy watching this video and we would really like to hear what you think about it!

If you like this podcast: “Why a Buyers Agent is a Worthy Investment when Investing in Property – Chat with Rich Harvey”, don’t forget to rate us on 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/

090 | Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless

By The Property Couch November 18, 2016 in Podcast

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Today’s episode is special guest day and joining Bryce Holdaway and Ben Kingsley is Australia’s leading property analyst and CoreLogic’s Director of Research, Tim Lawless, who will discuss the future of each state in Australia. Following on from last week’s episode of President-Elect, Donald Trump and the uncertainty his win will have on the market; Bryce, Ben and Tim move on to discuss what the positives to follow are due to the presidential win, even though it’s is still early days.

So in today’s episode, the main areas these three will be talking about are:

Tim’s backstory and experience as a property analyst and how he got to where he is today
CoreLogic and research methodologies for the monthly reports
The potential risk if interest rates rise in Melbourne and Sydney
Wealth bases for Hobart, Canberra, Adelaide, Brisbane, Perth and Darwin
What the government needs to do to help and stimulate employment for those states that are in decline
Trends in population and what this means for Australian property market
The uncertainty of Trump’s win and how this has affected the market and what potential effects are to follow

We hope you enjoy this latest post and look forward to hearing your thoughts on the matters brought up…even if it is a response to their thoughts on Kim Kardashian or Kanye West running for the next US election!

And here’s the reports mentioned in today’s podcast:

Monthly Housing and Economic Chart Pack – Download here

If you like this podcast: “Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless”, don’t forget to rate us on 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/

084 | Why you Shouldn’t Invest in Property?

By The Property Couch October 6, 2016 in Podcast

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Yes, we know it can sound a bit contradictory. This is a property podcast with two of Australia’s top property experts and we even did an episode on why invest in property! So why would we talk about not investing in property?

Well, the fact is, investing in property is not the perfect type of investment for everyone. There are certain times in an investor’s journey where it is simply a bad time to start investing. There are also times when investors need to first reflect on their mindset before they start. Property investing is a high-value investment, and you’ve heard us repeatedly saying that it is for the long-term. It’s like following a recipe. If you don’t have all the essential ingredients in place, it’s best if you don’t cook the dish. So if you don’t have everything in line, it may be better for you to stay away from it for the time being.

So in today’s episode, Bryce and Ben will be sharing a few reasons on why you shouldn’t invest in property. The first is when you decide to invest purely for tax purposes.

Free resources mentioned in this podcast:

CoreLogic Pain and Gain report – Read here
Money SMART Report – Download here
Webinar with Bryce Holdaway and Jane Slack-Smith on Renovating an Ugly Duckling – Register here
FREE Tickets to the Sydney Property Buyer Expo (Coupon code: PBE16BRYHOL) – Get them here

If you like this podcast: “Why you Shouldn’t Invest in Property?”, don’t forget to rate us on 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/

Facebook Live Bonus Episode – Q&A

By The Property Couch September 16, 2016 in Free Resources, Podcast, Q&A

Thank you for coming to our Facebook Live event on 13th of Sept! We received a lot of great questions that night but unfortunately, time ran out and we couldn’t answer all of your questions. We really do appreciate you taking some time away from your busy life to listen to us so that is why we are recording a bonus episode (or as Ben called it Bonusisode) today to answer all the remaining questions!

And for your convenience, here’s the list of questions that we answered in this episode along with the order they are in. 🙂

ps: if you aren’t sure what we are talking about, check out our Facebook page! If you don’t have the book, you can get a copy here.

From	Order	Message
Chris Topher	1 (Time: 01:00)	Assuming one has a portfolio of 5 investment properties and has entered the debt retirement phase, what does this actually look like? Is it a matter of spreading all excess cash flow evenly across the offset accounts against each loan until they are all cash flow positive or do you target the biggest loan and pay that out first (by matching the outstanding loan amount in the offset account) and move on to the next biggest loan? If these are all interest-only loans with the interest-only period ending for all 5 loans over the next 18-24 months how do you manage this, as it wouldn’t be affordable to any family budget for multiple loans to become principal and interest, so is it a case of constantly refinancing these loans and staggering the when they come out of their interest only period?
Adeline Teo	2 (Time: 03:17)	What are your thoughts about having a property portfolio with a mixture of properties, some with good rental income and some with good growth potential but negative net income?
Ashish Isaac	3 (Time: 04:10)	Hey guys love the podcast, and the book. I have a financial question to ask. I currently have a principal place of interest (paying P&I for the next 3 years, and I can’t change that as I have just fixed it unfortunately), now for example and using round figures, say if I have a saving of $25k, with a current monthly surplus of only $500 would I be better off to use my savings to pay of any agent fees (e.g. buyers agent, financial planners etc.) and with what’s left over use that as part of the surplus for the next 3 years until I can release more funds from my principle place of interest, or use all the savings to put it towards the deposit for my first investment property, this is to achieve retiring with $2000 per week hope this makes sense. thank you for all the information you have provided us this far, really appreciate it. cheers Ash
David-Anthony Gunter	4 (Time: 06:05)	Love the podcast and book! A massive fan! I have a question about inconsistent bank valuations. I purchased a two (2) bedroom unit in Rosanna in Melbourne last year in November for $275,000. I purchased this through a Buyers Agent (not you guys….SORRY!!!….but I followed the principals I have learned in the podcast) The settlement was Feb 29 2016 and I had the property re-valued a week later by several banks. I had a valuation for $480,000….$330,000….$400,000 and $295,000!!!! Is this common???
Ryan Price	5 (Time: 08:27)	Hi Guys.. 26 years old and Looking at purchasing my first property. Is it better to buy a 1st home (owner/occupy) or would it be better to buy an investment property first and continue renting (minimal rent as it’s the family home so handy for saving)
Samantha Rackley	6 (Time: 08:53)	Thanks so much for your time tonight – great job! I am confused about the difference between capital growth and income (yield) returns? Is one more important than the other or should you look for a property that is high in both returns?
Evon Fung	7 (Time: 10:27)	Hi guys, love the podcast and found the book really helpful. I’ve been using a great budgeting software for the last 10 years but I recall you mentioned something in one of your podcasts that you may have a software which can track budgeting. Is this available? (ps, will you be at the Property Buyer Expo in Sydney?)
Graeme Ash	8 (Time: 12:14)	Big thanks to Jake and co recently for their help! Quick Q:, With investment properties, is it work getting a regular valuation say every 2 years to check available equity for next property or rely on market comparable?
Jack Cole	9 (Time: 13:56)	Love ya work boys! I’m 25, if I could change one thing in the world we live in, my very long term goal is to introduce property investing as a school subject in years 11 and 12. I’ve been lucky enough to have family who invest but not all kids are. What are your thoughts?
Jag Randhawa	10 (Time: 15:52)	I am a passionate and always ready to learn individual. I have recently developed a keen interest in property market. Where do I start if I want to make a career out of it?? What sort of options do I have and what courses are must before I even think about stepping my foot in the market?? Really appreciate all the info u guys give out for free. It’s GOLD.
Jag Randhawa	11 (Time: 16:32)	I am thinking about engaging a Buyers Agent once my strategy plan is build, but how can I make sure that my BA is not getting me into something that favors him more than me. By that I mean how can I make sure that he is choosing the right property for me only and not looking just to sell one??
Jaye Kershler	12 (Time: 18:11)	On a high income for next 2 years would you buy a more expensive eg 600k property or a 450k property
Johnny Rambo Azzopardi	13 (Time: 19:13)	Hello guys, do you think the Gold Coast will bring capital growth as the media and buyers agents would have you to believe in the mid to long term.
Leisa Caines	14 (Time: 20:53)	If I had access to equity to buy a ‘cheap’ investment property now should I buy one now or wait 12mths to when I have more equity to buy a more expensive Investment property?
Maria Austin	15 (Time: 21:38)	Hi Ben and Bryce, I can’t get my head around how you can keep leveraging equity out to purchase more properties without running out of borrowing capacity, assuming that you are only purchasing only blue chip properties that don’t quickly become positively geared. Surely at some point the banks will stop lending to you, even if you have the equity. p.S. Hi Ivise 🙂
Matt Bray	16 (Time: 24:14)	Hi, my question is based on a first home buyer, how much would you recommend is needed for a first investment property and would i be better buying when i reach this sum or saving for a bigger deposit and buying a bigger investment ? thanks!
Micky Marafioti	17 (Time: 25:15)	Do you have any thoughts on investment in Port Adelaide, in Adelaide. Recent times has seen it to be a semi low social economic area, but there is enormous residential and commercial developments occurring there at the moment.
Nat Bowden	18 (Time: 27:21)	Gents what to do next? Own a townhouse as a ppor and will keep it as an investment going forward. Looking to buy a family home in 1-2 years. What to do? Save cash for this or buy an investment to leverage into the family ppor home?
Robert Thomas	19 (Time: 28:31)	Hey guys – made it through the first 35 podcasts – great stuff. Where would you buy in Melbourne right now if you’re trying to stay under the first owner grant limit (<$600k)?
Chris	20 (Time: 29:45)	Hi guys. i’m looking forward to the Facebook event. I have another question for you (number 4) Is there any chance you can discuss in depth the process of buying a property through SMSF. ie the associated costs, required structure and minimum LVR. Thanks Chris
Maria Li	21 (Time: 31:00)	Hi Ben and Bryce I understand that the process of building a portfolio involves repeatedly taking equity out of existing properties to purchase more properties. I’ve heard multiple stories of investors being able to repeat this process every 1-2 years. What I can’t wrap my head around is how an investor can take equity out of their properties every 1-2 years without falling short of lenders’ serviceability requirements. Each time you take out equity, you are essentially taking out another loan, and the lender needs to know you have the income to service that loan. Unless you are buying only positive-geared properties (which most of us aren’t), surely at some point a lender would tell you that you’ve run out of income to service another equity release loan… I understand that part of the answer is that properties become positively geared over time, but that can take 5-10 years. Some of us would like to buy more than once every 5-10 years. This is assuming all the loans in the portfolio are structured as interest-only loans with offset accounts, and that all spare cash is put into the offset accounts rather than paying off the loans. In the eyes of the lender, this means that all your loans are still at their maximum/initial balance. Theoretically a lender shouldn’t be willing to keep lending to someone who (on surface) never pays off their loans, and yet keeps taking out more loans…and yet that’s what is done by investors all the time! What is the piece of the puzzle I’m missing? Ben and Bryce – how does it work? As you know I’m a big fan of the podcast, keep up the great work!

069 | Q&A – Where is that sweet spot between Growth and Yield, investing in metro or regional and more

By The Property Couch June 23, 2016 in Podcast, Q&A

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It’s Questions and Answers time! This week, Bryce and Ben looks at the questions below. Thanks again for submitting your questions!:

Question on Growth and Yield from Steve: Anyhow, a question for the podcast. Growth and yield are like a sea saw. As one goes up, the other goes down. Where I wonder is that sweet spot? Where both balance nicely and their feet dangle without touching the ground? For example, the best growth may be on Sydney Harbour with a view, but you may be negative $1,000 a week. So you go one suburb back, negative $800 a week. So you go one more back negative $600 a week. At some point you must hit a spot where you say, that’s the best growth I can afford. How do you decide that sweet spot? Is it different for all investors? Even if James Packer said to you, “Get me the best growth you can, income is not a problem” would there still be a point where you think, “Geez, even if we buy him a house on the harbour, the growth still won’t cover that massive shortfall over time.”Great show, keep it up. You are both a shining light in a dodgy, unregulated shark-filled industry. After all, my experience with people who talk very confidently but don’t know what they’re doing, (the enthusiastic amateur you effectively call them) I came up with my own saying, “Confidence does not equal competence“. Unfortunately, all you need is a little doubt in your own abilities and you default to the more confident person, who you may well know more than.

Question on Metro or Regional from James: I am looking to invest in my second property with my partner, we live in a rural area (Albury/Wodonga) and have around $100,000 in equity in our current owner occupied dwelling and good incomes with a maximum borrowing capacity of around $700-800k. Do you suggest trying to break into a Metro market (i.e. Melbourne) with a property in an investment grade suburb, which will in turn max out our borrowing capacity, or alternatively buy 1-2 properties in a major rural city?

Question on forecasting capital growth from Kayne: Just have one question in regards to forecasting Capital growth. I know you are conservative with your vacancy and interest rate assumptions (7.5% & 10% respectively) in your models. Are you also conservative in your CG assumptions (e.g if historical growth was ‘x’ would you round down a percent or 2 or keep it the same?) if you’ve covered this and I’ve missed it sorry for the double up, if not I look forward to your answer.

Question on active investing from Brian: Hi guys love the podcast immensely! If possible could you discuss views on being able to be an active investor to essentially create an income while still passively investing through leverage? Is this a possible scenario or what would someone need to look into to be able to do something similar…. I’m a tradesman so majority of the work I could do myself. Thanks very much!

Some of the resources mentioned in this podcast:

Report from CoreLogic : A profile of the Australian Investor – Who, Where and What? – Download here
Episode 37 | Understanding the Scarcity factor in Property Investment – Listen here
Case Demonstration: 4% Growth and 6% Yield vs. 6% Growth and 4% Yield – Watch here
Episode 51 | Will Labor’s proposed changes to Negative Gearing policy be good or bad for ordinary Australians? – Listen here

If you like this Q&A episode (Where is that sweet spot between Growth and Yield, investing in metro or regional and more), don’t forget to rate us on 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/

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