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531 | Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti

By in Podcast, Property Investment, Summer Series

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“I’ve definitely (got) no regrets and very excited for what the future holds…”   – Jonti  

Folks, this inspirational quote is from our LAST Summer Series guest for 2024/25 who, by the age of 32, has survived and grown from experiences and horrors most of us can only imagine…  

With a new business, a flourishing property portfolio in Australia and a recent purchase of his dream $1.9M home, it seemed like Jonti had his life in order. 

That is until his life-altering accident.

Tune in now to find out how Jonti not only survived but thrived after instantly becoming a paraplegic – all while juggling his own business, debt levels and a relationship breakdown…to come out with his positive outlook above.  

P.S. A heartfelt thank you to each of our incredible guests for sharing their inspirational stories. We’ve absolutely loved sitting down, listening, and learning from your journeys. These moments are what make this series so special. ❤️ 

Free Stuff  

  • Free resources to get in control of your money and take action like our Summer Series guests:  
    • FREE MONEY MANAGEMENT APP
      Download Moorr, your new home for all your financial affairs. Get started today >>   
    • FREE INITIAL CONSULTATION
      Sit down with our team of investment-savvy specialists! We offer the complete wheelhouse for all your property needs. Get in touch today >>
    • FREE E-BOOK  
      Download Make Money Simple Again, your free instruction manual for our rules-based money management system, MoneySMARTS, which is guaranteed to trap surplus and requires less than 10 minutes a month to manage. Plus, keep your ears peeled for more information on our third book from the series… 😉 
  • Thank you to all our amazing 2024/25 Summer Series guests!
    You can find our entire lineup of Summer/Winter series guests here if you’d like to re-listen or hear from our previous guests!  

 

Timestamps  

  • 0:00 – Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti   
  • 1:22 – Welcome Jonti!  
  • 1:56 – Money Story: “That’s life, and you have to move on.”   
  • 6:09 – His first job in primary school & reaching financial independence 
  • 10:31 – Entering the property market during the earthquakes  
  • 13:49 – 3 properties by 23?!  
  • 16:25 – How wakeboarding helped him on his investing path  
  • 17:38 – Differences in NZ property laws  
  • 19:51 – Grappling with workaholism & financial discipline 
  • 22:14 – Transitioning to Australia: Renting for $200 a week  
  • 23:29 – The concrete pump that developed his financial base  
  • 26:20 – Switching to buying regional units  
  • 28:35 – Uncovering why tenant quality and property management matters 
  • 32:50 – He’s never seen these properties… 
  • 34:18 – Selling three properties to afford his $1.9M dream home  
  • 36:33 – The life-altering motorbike accident  
  • 38:39 – How he survived post-accident: Managing business, debt levels & hope   
  • 41:27– Highlighting the value of defence  
  • 43:51 – First steps again on his 31st birthday 
  • 46:47 – Navigating relationship, rehab and rising rates in the aftermath  
  • 50:09 – The fork in his future: What is his north star now?  
  • 51:51 – Regrets & Reflections  
  • 54:39 – Why did Jonti want to share his story?  
  • 56:29 – What an insanely inspiring and resilient person, thank you Jonti!  
  • 1:02:19 – Thank you to all our awesome Summer Series guests!  
  • 1:02:59 – FREE RESOURCE: Moorr app and engaging the experts at Empower Wealth 
  • 1:04:26 – Our third book incoming!

 

What’s Your Money Story Like? Join us for our Summer Series and share your story!

By in Free Resources, Summer Series

We get it… Talking about money can feel awkward and uncomfortable.

But it shouldn’t be a taboo subject!

Having conversations about money not only allows us to understand ourselves better but also gives us the opportunity to learn more from each other.

So, would you like to be in our Summer Series podcast?

We’d love to listen to your story and hear about your tips and tricks when it comes to money management! And if you have a specific question in mind, we want to hear it directly from you too!

Just fill in the form below and we’ll get in touch. 😉


  • Name

  • Nickname
  • (Do you have a nickname/alias you want used on the podcast?)

  • Email

  • Contact Number

  • And a quick summary on your Money Story!

    Let's start with What Money Means to You. We are interested to know what motivates you particularly when it comes to money. From the options below, please select the top five that matter to you.

  • A quick summary on your Money Story!
  • Don't spill all the beans 😉

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504 | Everything You Should Know Before Turning Your PPOR Into an Investment

By in Podcast, Property Investment, Q&A

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Trevor is seeking a “Tree Change”: To escape out of the city with his family. What are the implications of turning his Principal Place of Residence (PPOR) into an investment property to do so?

Meanwhile, Emma’s got a duplex under a single title. She lives in one unit and has rented the other; is she eligible for Capital Gains Tax exemption?

Clinton wants to know what the best loan to attach his offset account to is: an interest-only or principal-and-interest loan.

Folks, today’s massive Q&A highlights the most significant benefit of Australia’s tax system, the importance of seeking good tax advice (and the implications if not!) and exactly why record-keeping could save you thousands.

Tune in now! 😊

 

Free Stuff Mentioned

  • How much is your property earning (or costing) you?  Moorr’s newest Property Cashflow Projection Tool is now live! Get a detailed breakdown of money going in and out over the next 12 months, plus the full tax story. 

 

Questions We Answer…

Q1) Capital Gains Inquiry from Emma  

Hello, my partner and I bought a full duplex with a single title in 2022 for $465K. 

This year in February 14th, we sold it for $550k. The unit 1 was rented when we first purchased the property and is still currently rented by the same tenant. She stayed there even after the settlement whilst we moved into the unit 2. 

Can you please help me with the capital gain tax calculations and whether we would be eligible for an exemption. I can’t seem to find a straight answer online, whether we would take the capital gains tax on just unit 1 or whether we could apply for the exemption for the whole property. 

Thank you. I appreciate your help. 

 

Q2) Where to attach my offset account? from Clinton  

Hi Bryce and Ben and the team on The Property Couch. I just have a question in regard to which loan I should have my offset account attached to? 

So, we currently have our PPR in Cairns, which is of the value of approximately $600k which in the next three years we’re going to rent out. Hence, it’s an interest only loan.  

And we are also going to buy a property in Melbourne this year of a value approximately $800k but that will be with P&I loan. Just wondering which loan would be better to have the offset attached to as $800k purchase will be P&I and the $600K PPR right now will be interest only.  

Obviously, interest only helps with cash flow as well. I understand that it’s probably better to have the offset on the higher mortgage, but would it be better to have it with the lower mortgage considering it has the interest only loan? Thanks guys. 

 

Q3) How to turn your PPOR into an investment property and move to the country? from Trevor   

Hey guys. 

Love what you do, the podcast and the content you share. My wife and I are on our journey with Empower Wealth, and we’ve just loved every minute of it. We’re keen to keep kicking goals on this journey we’re indebted to you guys for. 

My question centres around a sea change for us and our family – albeit moving to the country, not the sea or the ocean – would love to, you know, buy that acreage on a hill somewhere and just want to understand I guess in general terms, how that would look or play out for our current situation, being that we have a PPOR in the city here in Brisbane, we’re sitting at about 25% LVR on that. 

We’ve just executed on our first investment property and the total LVR would be about 46% and with the available equity 80% of the PPOR of about $750,000. I guess I want to understand how you can or could you turn the PPOR into an investment property, move to countryside and buy another PPOR and convert that one into an investment?  

How that sort of plays out in the finance and its tax implications, recognising that you know with the LVR so low on our current PPOR, it would be I guess positively geared considering that rental appraisals are around about $1200 per week in today’s market? 

So I’m struggling to understand how we could do that and I guess live our best life where we are keen to live. But yeah, look forward to hearing what you guys think and yeah keep up the great work. 

Cheers. 

 

Timestamps

  • 0:00 – Everything You Should Know Before Turning Your PPOR Into an Investment 
  • 1:17 – Welcome back Bryce!  
  • 4:13 – How to calculate how much your property is earning or costing you 
  • 8:41 – Mindset Minute: “The Gap between the Life you want and the Life you are living is called….”  
  • 10:50 – Q1) Are we eligible for a Capital Gains Tax exemption? from Emma   
  • 12:10 – The greatest gift of the Australian tax system 
  • 16:11 – Why talk to a tax advisor?  
  • 17:54 – A $21,250 tax bill & setting the precedence in 2023 
  • 22:32 – Q2) Where to attach my offset account? from Clinton   
  • 23:47 – The best place to park your offset is… 
  • 26:40 – Why does your highest cost of debt matter? 
  • 28:15 – Why record-keeping here matters!  
  • 28:51 – Don’t miss THIS tax advantage!  
  • 29:47 – Q3) How to turn your PPOR into an investment property and move to the country? from Trevor   
  • 32:35 – Will it become positively geared?  
  • 34:13 – Ben’s preference in these scenarios 
  • 35:27 – How modelling can make an impact  
  • 37:02 – Brisbane’s an interesting market because of…  
  • 38:25 – Tax implications & the team to help  
  • 40:40 – At minimum, it’ll cost you $40 to $50G… 

And…

  • 43:49 – Lifehack: Take a _____ overseas! (And don’t leave your card in the safe 😉)  
  • 54:14 – WMPN: Always read the terms and contracts & Westpac’s Prestige Property Report: Which investor gets the best tax concessions?   
  • 1:03:41– A letter from Alex from Episode 399!  

503 | How to Get the Right Property Investment Advice – Chat with Joel Burton

By in Podcast, Property Investment

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In this episode, we’re doing something a little different… 

Ben is sitting down to unpack the world of property investment advice – through the lens of a Qualified Property Investment Advisor (QPIA). 

To do so, we’ve brought an expert in this field, someone who has been efficiently and effectively helping clients build out their property journeys for over a decade… 

Joel Burton is a Qualified Property Investment Advisor who has crafted more than 850 personalised property plans for his clients. He has recommended thousands of investment property purchases, family home upgrades, downgrades, renovation plans, and even, in some cases, the advice to sell the property.    

From how a QPIA guides – and often can transform your view – to the magic behind each scenario and solution our QPIAs offer our clients, we’re showing you the inner workings of the property investment advisor world.  

Listen now folks!  

 

Free Stuff Mentioned

  • How much is your property earning (or costing) you?
    Find out with Moorr’s newest Property Cashflow Projection Tool, which gives you a detailed breakdown of money going in and out over the next 12 months, plus the full tax story.   
  • Find out more about PIPA’s (The Property Investment Professionals of Australia) Qualified Property Investment Advisor (QPIA) accreditation.  

 

Timestamps

  • 0:00 – How to Get the Right Property Investment Advice – Chat with Joel Burton 
  • 2:00 – New Moorr Tool: How much is your property earning you? 
  • 3:44 – Mindset Minute:  If you want happiness for a lifetime… 
  • 5:28 – Welcome Joel Burton!  
  • 6:16 – Money Story: The GFC and being a musician   
  • 11:56 – What do Property Investment Advisors do?  
  • 14:10 – The nuances between advisors 
  • 16:20 – Why Fee for Service matters!  
  • 19:41 – What does it mean to be a Qualified Property Investment Advisor (QPIA)?  
  • 22:10 – “I’m more interested in your life priorities than the investment”  
  • 25:12 – We NEVER do this…  
  • 27:04 – The #1 question to ask your QPIA 
  • 29:16 – How a QPIA meeting could open your eyes more than you realise 
  • 33:56 – The biggest client fears Joel faces  
  • 38:10 – Do you buy a home, investment property, or hybrid?  
  • 42:33 – Are property prices going to fall?   
  • 48:02 – The most common misconception: Equity does NOT mean…  
  • 51:33 – Block out the noise! 
  • 54:14 – The A-HA moments  
  • 56:35 – Realistic conversations & managing expectations  
  • 1:02:21 – What is the biggest regret clients have?  
  • 1:04:20 – Quick Fire Questions: Oldest, youngest, highest and lowest earning clients, and more! 
  • 1:08:00– Why Joel loves being a QPIA and measuring success  
  • 1:10:34 – His favourite client story  
  • 1:14:18– What should your QPIA have?  

And…

  • 1:18:12 – (Money) Lifehack: Try this Chrome lifehack to find the best discounts!  
  • 1:19:10 – Two bonus life hacks!  
  • 1:20:58 – WMPN: The real impact of South Australia’s new tenancy laws  

 

502 | “It’s Putting the Mouse in Charge of the Cheese!”: Death, Taxes & Inheritance – Chat with Julia Hartman

By in Podcast, Property Investment

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After last week’s insightful episode with Noel Whittaker, we’re thrilled to continue with another stellar guest who helped to co-write the tax chapters of Noel’s latest book, “Wills, Death & Taxes Made Simple.” 💰📝 

Please welcome back, Julia Hartman, THE #1 Property Tax Expert in Australia!!  

Julia is the Founder of BAN TACS, a cooperative of Accountants that has been helping thousands of Australians navigate the world of tax since 1992. Basically, she’s your ultimate tax guru!  

In this week’s episode we’re uncovering the minefield that is death, inheritance and taxes.   

Like…how much are you taxed when you receive an international inheritance?  

Or how can you minimise the tax on your family home that’s been passed down?  

And what are the #2 biggest challenges with inheritance if you don’t keep your records?  

It’s an information-packed episode that could save you hundreds and thousands of dollars down the track. Listen in now!  

 

Free Stuff Mentioned






 

 

Timestamps

  • 0:00 – 502 | “It’s Putting the Mouse in Charge of the Cheese!”: Death, Taxes & Inheritance  
  • 2:11 – Mindset Minute:  When to stick and when to quit?  
  • 6:40 – Welcome Julia Hartman!  
  • 7:51 – The ins and outs of Inheritance: Your family home  
  • 10:19 – Can you rent out your family’s primary residence?  
  • 11:33 – Record Keeping 101: Why does it matter?  
  • 15:37 – Why estate mortgages are Julia’s nightmare! 
  • 16:20 – The slippery slope with shares 😮  
  • 17:30 – Claiming inheritance from overseas  
  • 21:45 – Don’t know where to start? Start with Julia’s spreadsheet! 
  • 22:28 – Beware of Testimony Trust. Here’s why! 
  • 25:00 – Wills, Death & Taxes Made Simple  
  • 26:04 – How folks try to avoid the death tax  
  • 28:41 – The Rule of Survivorship 
  • 29:36 – Remember this 6-year rule!  
  • 31:09 – What if an existing investment property is passed down?  
  • 32:41 – Capital losses are lost on death  
  • 35:57 – What happens when you inherit units through a company?  
  • 36:52 – SMSF vs. Industry funds: Post-death tax treatment 
  • 39:26 – Case Study: Contesting wills & estate freezing  
  • 43:30 – How long can you keep the estate going for?  
  • 45:57 – Can you challenge a 25% trustee fee?  
  • 47:04 – What happens when your cost base is NOT reset?  

And… 

  • 52:24 – A bonus gift!  
  • 55:52 – Lifehack: Do this to stop your water bubbling over when boiling pasta!  
  • 57:31 – It’s tax season! If you need a tax agent, we offer award-winning tax services.  

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