464 | Using SMSFs to Avoid Getting Stuck on Your Next Property! – Q&A Day


Many investors can’t seem to move beyond owning 2-properties due to limited borrowing power or equity, so why don’t more people turn to Self-Manager Super Funds (SMSFs) as an answer?  

Folks, this is just ONE of the enlightening questions from today’s enormous Q&A episode which has a bit of gold for every property investor, no matter what stage you are at on your property journey.  

From the ultimate pros and cons list of SMSFs to revealing the true long-term advantages of owner-occupier appeal – and why it matters over high yield – we’re exploring the winning strategies one can use to move up the property ladder.  

 We also explore the moral and ethical dilemma of property investing (are you evil if you become a property owner?!?) and do a first-time reveal of our newest series.  

Tune in now to hear all this – and how you can access this series for free – and learn how to maximise your returns today! 😊  

Questions We Answer…

Q1) Property Owners Are Evil from Boyd 

Hi Bryce and Ben.

I just want to let you know that I love the podcast. Find it very insightful and I listen to it all the time. My question today is around property investing and, more around the ethical/ moral side.

You hear a lot of the media, even friends and colleagues always scrutinise property investors as – they’re the evil people in the world trying to screw over all the people – which I can agree to an extent I would say.

My partner and I are very ethical and morally driven, we feel like and we are looking to invest next year and struggling to sort of decide whether we actually want to because of those reasons.

We feel we still will because a) we want a better lives and our future, but also b) we don’t think we’re going to be those type of people that will squeeze every bit of money out of everyone and a bunch of other reasons.

I was just more wondering how you would end that sort of question if someone said that to you because….. and if there’s any other. reasons why which would maybe help us in our journey and other people in a journey that are sort of up in the arms about it.

Thank you very much for your time.


Q2) Buying Property Through SMSF from Milind 

Hi, I don’t see any dedicated episode on SMSF or buying property through SMSF.

Most buyers get stuck at the second property because of inadequate equity or borrowing power and SMSF is buying property is is really one of the good options but I don’t see anything on that so can you please cover that in detail thank you.


Q3) Why Owner Occupier Appeal from Kate

Hey guys,

Love the podcast but am struggling to see why you would hunt down properties that have owner occupier appeal and good long term capital growth if you also advocate to hold properties for the long term and never sell. 🤷‍♀️

If you’re never selling them then why does that matter? Wouldn’t you want to find high yielding properties and enjoy cash flow now and in retirement?

Sorry if this is an ignorant question.

Thank you 🙏


Free Stuff Mentioned

Heres some of the gold we cover 

  • 0:00 – Using SMSFs to Avoid Getting Stuck on Your Next Property!  
  • 3:35 – We’ve got a brand-new series out?! (+ How you can get it for FREE!)  
  • 5:12 – Want to be on the couch?? Calling all 2023/24 Summer Series Guests  
  • 5:50 – Mindset Minute: The 3 Magic Principles of Mastery  
  • 8:58  Q1) Property Owners Are Evil  
  • 10:32 A perception shift around providing rental accommodation… 
  • 14:07 Why your friends aren’t always right!  
  • 16:01 The Fishing Analogy 🐟 
  • 18:15 How do we benefit Australia economically and socially?  
  • 22:42 Q2) Buying Property Through SMSF (Self-Managed Super Fund)  
  • 23:24 A little disclaimer… 
  • 24:13 – How does SMSF work?  
  • 26:18 The Pros of SMSF 
  • 28:07 Beware of these Cons!    
  • 29:39 Considerations BEFORE using a SMSF 
  • 36:50 – Why does the name of the contract matter?
  • 40:25 Q3) Why Owner Occupier Appeal?  
  • 41:39 It boils down to these 2 things… 
  • 46:06 – The true advantage of owner-occupier appeal 
  • 50:41 – Justify by emotion & logic! 


  • 57:39 – Lifehack: Why should you only eat to 80% capacity?  
  • 1:00:21 – WMPN: The BEST and WORST states to invest in and more findings from PIPA’s 2023 Sentiment Survey  

434 | “It Is A Minefield”: Unboxing Tax Structures and Myths – Chat with Julia Hartman

One of the most common questions we receive in the world of tax is… 

What name should I put my tax structure in?!?  

 And while it may seem like a simple question on the surface, lurking below is a mix of confusing super contribution laws and tricky tax loopholes that requires the greatest of tax minds to debunk….which is exactly what we’ve got sitting down with us today😉  

Re-joining in the studio (For the FIRST time in 2023 – which we’re BEYOND pumped about!!) is one of the greatest tax experts in Australia, Julia Hartman: Founder of BanTACS, Chief Technical Tax Advisor at Empower Wealth and Tax structure extraordinaire!!   

As Ben says today, tax structures are like stepping onto a minefield, and to help you avoid running into any explosive situations, we’re doing a quickfire round of WWJD: What would Julia do!  

From SMSFs and Super to the 99 to 1% strategy we’re presenting you with the consolidated and ultimate guide to tax structures in 2023!  

PLUS tune in to hear Julia’s novel and niche tax structure strategy which has Ben and Bryce very intrigued….  

Yep. It’s another GIGANTIC episode that has us all giddy (which might have something to do with us all being in the studio again 😉) Listen in now folks!  


Free Stuff Mentioned… 

  • Watch this episode! Check out The Property Couch’s YouTube Channel to see our fireside chat in the studio with Julia 😊  
  • Free suburb reports end tonight! Our 8th Birthday surprise to you (5x Free suburb reports, usually $39) ends tonight, 16 March 11:59pm AEDT!!
    How To Claim Yours: Click here and enter the Coupon Code: TPCBIRTHDAY. Limit 5 per person. To ensure you are not charged, please purchase a single Suburb Report x 5 times. If you add 5 Suburb Reports into one cart purchase, you will only receive a $39.00 discount. Hence purchase one report at a time please 🙂 Don’t miss out!  
  • New PICA Webinar: Watch Ben’s latest PICA webinar on WA’s Tenancy Reform Strategy. Become a member today to watch the replay >>  
  • NEW MOORR FEATURE! Ready to take your wealth-building to the next level? Check out your IncomeSPEED today! Create or log in to your free account in our online platform or download the app on Apple or Google Play today! 
  • For those who left us a 5-star written review in our Moorr app – Thank you! Email us to claim a FREE Start & Build course today 
  • Ben’s “What’s Making Property News?” articles:  
  • Last Week’s Episode: Thanks to everyone who left us such positive feedback on the previous episode with Evan Lucas. Listen to it now >>  
  • Previous Episodes with Julia Hartman:  
    • Episode 417 | Home Deposits Made Simple – Chat with Julia Hartman, Michael Ragavan & James Bowe! 
    • Episode 386 | BEWARE Tax Traps! How to rebuild or repair after a natural disaster – Chat with Julia Hartman 
    • Episode 349 | How To Avoid Paying Tax Without Going To Prison! – Chat with Julia Hartman 
    • Episode 228 |Ownership Structure & Trusts with Julia Hartman – Everything You Need to Know About Property Tax (PART 2) 
    • Episode 226 | Capital Gains Tax 101 with Julia Hartman – Everything You Need to Know About Property Tax (PART 1) 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – The gold that’s coming at you today!  
  • 2:12 – Free resources!! PICA Webinar Replay, Free Suburb reports, and more… 
  • 5:03 – Watch this episode! 😮  
  • 6:03 – Mindset Minute: FOMO and… sheep?!? 🐑🐑🐑 
  • 8:17 Welcome back, tax expert Julia Hartman!  
  • 9:06 – The Myths of Asset Protection  
  • 13:24 – Top Trends in Tax structures  
  • 16:40 Your complete guide to tax structures (The Big Pros + Cons!)  
  • 18:49 – Scenario 1: “I want to put this property in my company name!”  
  • 21:38 – Folks, here are the biggest considerations.  
  • 25:11– Scenario 2: “Is it a good idea to purchase a new company premise in my company name?”  
  • 27:30 Scenario 3: SMSFs  
  • 30:57 – “It is a minefield…”  
  • 34:46 – The alternatives, risks & big benefits.  
  • 40:41 – Scenario 5:I want to put into a trust!” 
  • 44:33 – Scenario 6: What if I’m an Income Earner or Business?  
  • 47:07 – Are Hybrid Trusts too good to be true?  
  • 55:04 – Ownership Types & Ratios: Joint Tenants Vs. Tenants In Common   
  • 58:11 – The 99-1% trend: Is it still the best strategy today?  
  • 1:03:24 – Can you contribute it to a Super fund?  
  • 1:04:44 – The Fed Budget, Wages, Interest Rates & Super: The future according to Ben 
  • 1:07:29 – The Mortgage Trust: A No-way or Niche idea?!  
  • 1:11:11 – It boils down to C_m_le_I_y vs. R_s_!  



Get Moorr out of your money:
Log in or create your free account via the
Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 


228 | Ownership Structure & Trusts with Julia Hartman – Everything You Need to Know About Property Tax (PART 2)

Here we go, folks…Property Tax PART 2 is finally here!!

So, let’s get down to the Ownership Structure, Trusts and SMSF insights you need!

If you tuned into Episode 226, then you’ll know we have none other than the #1 Property Tax Expert in Australia… Julia Hartman, unpacking the gold for you!

Julia is the Founder of BAN TACS, a co-operative of Accountants, which has been helping thousands of Australians navigate the world of tax since 1992!! She has a Bachelor of Business and is a Chartered Accountant (CA), Certified Public Accountant (CPA) and Registered Tax Agent…which, if it doesn’t mean much to you, translates to this — “impressive” and “rare”!

PLUS, because we knew she was coming, we threw it out there for our listeners to ask us their most pressing tax questions — and Julia’s going to answer the last of these today and dishing out her top tax tips on ownership and borrowing tax structures!

Get the answers to…

Before we get to today’s questions, we want to let you know that we’ve compiled all of Julia’s Answers and Additional Resources into a PDF! If you’re interested, click on the link to fill out the form and we’ll send it to you right away. 🙂

Today’s Ownership Structure and Trust Related Questions:

Question from Ben
When investing for the long term as a couple (with one partner’s income considerably higher than the other), what are your top tax tips to consider when determining ownership and borrowing structures?

Question from Locky
What is the best tax structure for being able to keep borrowing (family trust or company)? Buy build and rent out for passive income? Thanks guys.

Question from C L Wong
Should we open a company to manage the residential properties or a trust perhaps? If so, what are the tax benefits we have? Thank you, gents 🙂

Question from Alistair
How to transfer property between entities (company to trust or company to personal name)? Investigate how the family law act interprets this. Thanks.

Question from Damien
Is there any point in getting a tax depreciation schedule any more for existing fixtures (since recent changes)?

Question from Paul
Is there any point getting a depreciation schedule done on a brand new build IP considering I can just give my accountant the exact costings of the build to depreciate?

Question from Pete
I want to know: am I able to claim tax deductions if I rent out 1 or 2 bedrooms in my home? If I rent out 2 bedrooms in my 3-bedroom home, am I able to claim two thirds of my rates, strata, etc.?

Question from Matthew
When renovating an investment property, to what level must you renovate the IP so it can be classed as a “substantial renovation” to allow you to claim it as a depreciating asset?

Question from Andrew
Would love to know if we have any further clarification on the possible negative gearing changes from Labor? Are we able to still offset our income with interest down to 0 but not claim it as a loss i.e. negative gearing or are there plans to take away claiming the interest charges at all so all income is classed as income?

Question from Nick
How do I transition my investment property at retirement with minimal tax impact?

Question from Kosta
What implications must we consider if we go down the short-let Airbnb route?

Question from Sandy
How do you choose/find a quality property investment savvy tax accountant? Thank you for all your insights.

Question from Sineth
How to differentiate an investment savvy/specialist tax agent and general tax agent? What outcomes can investment savvy tax accountants bring to the table? Cheers.

Question from Iain
What sort of benefits could one expect from a property investment savvy/specialist tax agent over a generalist or do it yourself?

Thanks again for sending in your questions on Facebook, folks! If we answered your question today, you’ll get a free book…so make sure to reach out to us at [email protected]! 🙂

212 | Stuart Wemyss – The Common Sense Approach to Superannuation, Royal Commission and Negative Gearing

Our Summer Series is all about hearing from the heavy hitters in property investing so you can score the best investment tips in record time…

… and today is no different!

Joining us for his 3rd appearance on the Couch is Stuart Wemyss, Founder of ProSolution, an independent financial and mortgage broking firm! You might recognise his voice from Episode 81 | Does investing for the long term actually matter? and Episode 172 | The 5 Rules for Mastering the Game of Building Wealth where Stuart discussed the foundational rules of mastering the game of building wealth as outlined in his most recent book (and now best-seller), Investopoly.

In a nutshell: Stuart is a chartered accountant, independent financial advisor and mortgage broker with over 20 years’ experience.

And he’s here with the commonsense approach to help filter out the media noise so you can have a more level-headed approach in the current property and financial landscape!


Here’s The Common Sense Approach…


Missed earlier episodes in The Summer Series?


P.S. Don’t forget,

DOWNLOAD our Free Binge Guide Here – The First 20 Episodes

This 80-odd page document is the vault containing all the foundational tips and insights you need to be a successful investor.
Want a Free Copy of The Golden Highlights? You can get it here.



107 (Part 2) | Contract Reviews, Off The Plan and SMSF Purchases and more – Chat with Nicole Faid, Principal of Accord Conveyancing

We hope you enjoyed the first part of this two-part special guest week episode! In the second instalment of this episode with Nicole Faid; Bryce, Ben and Nicole all go into more detail concerning conveyancing, whilst focusing on some of the following areas:

  • Off the plan contracts: What to expect and be aware of
  • Possibility of getting your deposit back if you decide to pull out of the deal
  • Anecdotes with regards to purchasers and a vendors’ deal
  • Why is it important to get contract reviews and is it too late if the contract has already been signed?
  • A purchaser’s rights when buying a property and what the condition of the property should be like after the deal has been made
  • What is considered as an acceptable amount of compensation if there are faults to be repaired on the property?
  • The difference between joint tenants and tenants in common
  • What is spousal transfer and how it works?


And of course, there is so much more they talk about and in a lot more detail. With a lot more laughs, jokes and information for you all; make sure you don’t miss the second part of episode 107 and don’t forget to stay tuned for Bryce’s Life Hack and Ben’s “Did you Know…” segment.


If you like this podcast: “Contract Reviews, Off The Plan and SMSF Purchases and more – Chat with Nicole Faid, Principal of Accord Conveyancing”, 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: https://thepropertycouch.com.au/topics/


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