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Should You Be A Borderless Investor?

 

There are many pros and cons in investing in other states across Australia but more often than not, investors find this a bit daunting. Well, to be fair, there are a lot of things to be cautious about such as unfamiliar territory, different state regulations and more. But in this video, Bryce explains why you should consider being a borderless investor. Here’s a snippet of the article:

So I guess the question for property investors are, should you be a borderless investor and what does that actually mean? More than ever, I’m talking to clients who are keen to not invest in their own backyard and actually look into other states for opportunities to buy because one of the biggest question that I’m always asked, in my role in the show (Location Location Location Australia) and my daily role as a buyers agent, is how is the market doing? It’s kind of a strange question because it’s probably a logical one that people want to know about. But the question is, are you buying? Are you selling? Are you investing? Are you researching?

Watch the video to learn more.

 

Click here to download the Core Logic report data mentioned in the video: Get access now.

 

 

Bryce Holdaway - Quote of the Day - The Property CouchBryce Holdaway – Partner, Property Advisor & Buyers Agent

As co-host of The Property Couch, Bryce Holdaway is also a partner at Empower Wealth and Co-Host of Relocation Relocation Australia and Location Location Location Australia on Foxtel’s Lifestyle Channel. A qualified Buyers Agent and Financial Planner, Bryce holds a Bachelor of Commerce (Accounting), Real Estate Agent License and Diploma in Financial Services (Financial Planning).

 

012 | Why Invest in Property? (Property Investing in Australia)

It’s no surprise that Ben and Bryce are huge advocates of property investing but until now, they haven’t explained WHY they love it so much! 🏘︎  

Today we’re taking a walk down memory lane and discussing how Ben and Bryce first got into the residential property market and why they’ve continued to stay!   

From Ben’s early love of investing to Bryce’s captivation with Jan Somers’ back of napkin calculations, we’ll also hear about Ben’s “apprenticeship” years that’s made him the guru he is today!!  

PLUS we’ll be looking at the fundamentals you should know about investing (including how property can be BOTH a liquid and non-liquid asset, we know it’s a bit of a head-scratcher)… 

The Property Couch - Ep 12 - Why invest in property - CoreLogic Pain and Gain report

…and applying those to Sydney and Melbourne markets today.  

We’re sayin’ that this time – the rising tide will NOT lift all ships!  

In this podcast, Bryce and Ben also mention that based on CoreLogic’s Pain and Gain Report, properties held for shorter time periods are much more susceptible to loss.

Listen in now!  

 

Free Stuff Mentioned  

 

Here’s some of the gold we cover…

  • 0:30 – Ben’s been through the wars… 
  • 2:12 – Why Ben first got into property investing!   
  • 5:20 – Why Bryce first got into property investing! 
  • 6:55 – A bit of gold from Robert Kiyosaki  
  • 7:45 – What does property investing mean for YOU?  
  • 9:00 – Ben’s “apprenticeship” years  
  • 10:05 – Sydney and Melbourne folk – beware of the market now!  
  • 11:20 – Case Study: Manly (and what you should learn from it!)  
  • 14:41 – Why the rising tide will NOT lift all ships 
  • 15:30 – THIS is what you need to understand about property investing…. 
  • 16:15 – Different investing strategies!  
  • 16:58 – The independent umpire is…. 
  • 18:10 – Why property is both an illiquid AND liquid investment!  
  • 20:00 – We’re at 4.5k downloads – THANK YOU folks!  

 

10 | Tax Depreciation

If you were to ask an investor if they wanted to save $149 per week on a property, we can guarantee you that no one would say no… 

BUT that’s exactly what too many folks are doing when they don’t use tax depreciation right! (Check out the case studies at the bottom if you don’t believe this number…)  

Today we’re excited to be discussing this topic with the help of our good friend and first-ever guest to the show: Bradley Beer!  

As the Managing Director of BMT Quantity Surveyors (experts at tax depreciation), Brad explains exactly what tax depreciation is and how and when you can use it!   

Buying a property for its depreciation, however, should NEVER be your main reason for investing!  

Instead, we unpack the important depreciation factors you should be looking at… 

Like why 1985 and 1987 are very important years when it comes to tax depreciation. 

We’ll also be explaining what quantity surveyors do and hearing some true stories from Bryce and Ben!  

So tune in now for the gold on tax depreciation! (Yes, we say tax depreciation way too much in the episode too 😉)  

 

Free Stuff Mentioned  





 

    • Brad’s case studies that he has prepared for the podcast can be accessed here! The first is a $600,000 – $700,000 period home with a rental income of $22,880 per annum and the second is a $400,000 – $500,000 older villa with a rental income of $21,060 per annum.
    • Interested in using BMT? Get the BMT Tax Depreciation Application Form here.

 

Here’s some of the gold we cover…

  • 0:50 – Meet Brad Beer!  
  • 1:26 – What’s the benefit of a tax depreciation schedule? 
  • 2:00 – How Bryce’s friend benefited from one!  
  • 2:45 – Did you know you can get cash back?  
  • 4:00 – What do Quantity Surveyors do?  
  • 4:38 – Ben’s Franking Credit analogy  
  • 6:07 – WHY you should use tax depreciation  
  • 7:30 – This is why education is important!  
  • 8:09 – Why are 1985 and 1987 important dates?!  
  • 9:54 – So when do you get depreciation in a period home  
  • 10:55 – The challenge with depreciation is…   
  • 11:40 – Improving YOUR net yield  
  • 12:40 – The process to determine your tax depreciation!  
  • 14:50 – Renovation and depreciation  
  • 16:00 – The lump sum scrapping approach 
  • 17:49 – Why you shouldn’t do tax depreciation after renovations   
  • 18:20 – Learn from Ben’s story!  
  • 19:40 – WHY it’s worth it to use BMT  
  • 20:15 – Some gold tax depreciation case studies!  

 

009 | Buying Counter Cyclical

Buying in a heated market is kind of like jumping off a cliff because everyone else is jumping… 

Many investors start buying any investor stock available (classic case of FOMO!), but the problem is, how do you know that a heated market hasn’t already reached its peak before you even jump in?  

The answer is: Sometimes to get ahead, you’ve got to take the road (or cliff) less travelled! (We might be going overboard with this analogy…)  

In this case, it’s using a counter-cyclical strategy.  

Today we’ll be exploring what this is, the benefits it can bring, and how becoming a borderless investor could be best for you!  

But remember folks: Each state has its own cycle, and it’s not always easy to tell WHERE the market currently is!  

To help you determine this, we’re sharing a fantastic resource called the CoreLogic Monthly Housing & Economic Chart Pack. This pack allows you to see how each state’s property market has performed over the past 30 years!

Episode 009 - Buying Counter Cyclical - Core logic RP Data

The message today folks is…it’s all about market timing and avoiding making rash decisions. To learn how to navigate both, 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.  






 

Here’s some of the gold we cover…

  • 1:00 – We’ve got something to celebrate… 
  • 2:30 – Sydney folks, beware the bubble! 
  • 3:40 – Why we’re lucky in the property market  
  • 4:05 – The psychology of the buyer  
  • 5:10 – The “rebound” property  
  • 5:59 – The biggest market cycle Sydney has seen  
  • 7:00 – Ben’s experience with this market cycle  
  • 8:05 – A quick look at Australia’s market cycles  
  • 9:00 – Don’t be caught up in FOMO, instead become a _____ _____! 
  • 9:45 – Interest rates, value and heated markets  
  • 10:39 – We’re seeing THIS for the first time in Australia’s history!  
  • 11:00 – The PROBLEM with buying in a heated market 
  • 11:50 – What is buying counter-cyclical? (Don’t end up like this client!)  
  • 13:20 – The role of Government and Australian Prudential Regulation Authority (APRA) in an unregulated heated market  
  • 15:30 – THIS helped us through the Global Financial Crisis  
  • 16:00 – 1 property, 2 different investors, and 2 very different results… 
  • 17:30 – What markets you should be looking at investing in!  
  • 18:07 – Why you should want ____ ____ to control the markets 
  • 19:09 – In summary, we love you Sydney BUT… 
  • 20:30 – Check out the Chart Pack!  

 

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 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!






 

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   

 

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