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004 | Four Pillars of Mastery – Borrowing Power

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!

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.

 

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   

 

002 | Regulation vs Education

In a time of growing self-managed super funds and heated markets, what should we be valuing more: regulation or education??  

In this episode, we’re unpacking the role regulation plays (especially in the wake of the Murray Review and changing limited recourse borrowing arrangements) 

…and looking at why education is important for ALL!

That’s right folks, many marketeers and those giving the advice aren’t receiving the right training 🤯🤯🤯 – tune in to find out why!  

We’ll also unpack Australia’s most heated markets right now, how YOU can break into those markets and why the property market is actually unfair to the everyday investor.

(Phew, that’s a lot of wisdom there!)  

So if you’re ready to get educated, tune in now! 😉 

 

Free Stuff Mentioned:  


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 0:46 – Self-managed super funds and borrowing today 
  • 2:19 – THIS is more important than regulation!  
  • 4:45 – Why consumers and marketeers need education  
  • 6:15 – The feedback cycle  
  • 7:21 – When it’s best to buy into the market!  
  • 7:58 – Ben’s message to Sydney and Melbourne property investors  
  • 10:25 – Which is better for investing: Established or new properties?  
  • 11:35 – A strategy for buying in heated markets  
  • 11:59 – HOW many more properties will be built by 2055?!?  
  • 12:30 – If you take away anything, LET IT BE THIS  
  • 12:50 – Why the property market is unfair!  
  • 15:02 – Our opinion on student accommodation 
  • 15:25 – Investment grade VS. investment stock  
  • 16:45 – Send us your questions!  

 

001 | We Fix Bad Property Investment Advice

Welcome to the very first episode of The Property Couch where we have one key goal:

To fix bad property investment advice!!  

That’s right folks. 

Wherever our co-hosts Bryce Holdaway and Ben Kingsley are, be it sitting as chair of Property Investment Professionals of Australia (PIPA) or splitting their days as buyers’ agents and property investment advisors, they’re driven to provide great education that’ll help folks make better investments!   

And to kick us off, Bryce and Ben are sharing some of the mistakes and lessons they’ve learned in their property investing journeys, to help you avoid making the same mistakes!  

So grab a cuppa, flick on the podcast and get listening today!  

 

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! 


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

Here’s some of the gold we cover…

  • 0:10 – Meet your co-hosts: Who we are and WHY we do what we do!  
  • 0:50 – Ben’s won WHAT award (and how it benefits you!)  
  • 2:20 – The daily podcast set up!  
  • 3:05 – The Barber Analogy 
  • 4:10 – Ben’s property investing journey: A one-bid auction across from Mum and Dad’s house?!  
  • 5:20 – Agents use THIS tactic to get to know clients better  
  • 6:10 –Don’t make the same as Ben!  
  • 7:40 – The most common mistakes we hear from clients 
  • 8:30 – Reason #1 you should invest in a buyers’ agent 
  • 9:10 – Reason #2 you should invest in a buyers’ agent!  
  • 10:55 – Reason #3 you should invest in a buyers’ agent!!  
  • 12:50 – Why people DON’T want to invest in buyers’ agents!  
  • 14:44 – The first investors Bryce helped  
  • 15:32 – What makes a good advisor?!  
  • 17:30 – We’re thinking of including these stories in our next episode…  

 

If you like this Insider’s Guide to Property Investing, 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/

 

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