The Property Couch | The Insider’s Guide to Prop

The Property Couch | The Insider’s Guide to Prop

Australia

The Insider's Guide to Property Investing

Episodes

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

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 ...

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Ep.91 | Q&A - Affordability for First Home Buyers, Overseas Investment, Is it ever too Late to Invest and more  

After two weeks of Donald Trump-related episode, we think it's time to get back to our listeners and answer some questions! It’s been a few weeks since our last Q&A session so for today’s episode, Bryce Holdaway and Ben Kingsley will be answering question affordability for first home buyers, investing in property overseas, setting up an offset ...

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Ep.90 | Future of the Australian Property Market Post Donald Trump – Chat with Tim Lawless  

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 ...

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Ep.89 | What Impact will Donald Trump have on the Australian Property Market?  

Today’s podcast is a particularly interesting one as it gets a bit more political than usual! From talks about Brexit to the results of the American election last night, Episode 89 delves deep into one of the most talked about general elections in recent years and its potential effects on not only the United States, but on ...

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Ep.88 | Q&A - Investing in Newly Developed Areas, Getting into the Property Market, Career as a Buyers Agent and more  

Last week's podcast had been quite an interesting one! We strongly recommend you to listen to it twice to make sure you don't miss out on Dr Andrew Wilson's outlook on the Australian Property Market. This week, we are going back to Question and Answer episode and Bryce Holdaway and Ben Kingsley will be discussing investing in newly developed areas for capital growth, career as a ...

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Ep.87 | What's the Future of the Australian Property Market? - Chat with Dr Andrew Wilson  

If you were at the Sydney Property Buyer Expo last weekend, you probably listened to this episode already but for those of you who weren't there, Bryce Holdaway and Ben Kingsley recorded a LIVE Podcast with Dr Andrew Wilson on the Future of the Australian Property Market! Dr Andrew Wilson is the ...

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Ep.86 | Does All Australian Property Double In Value?  

Have you heard about the myth that all property double in value every 7 - 10 years? If this is true, it is certainly an irresistible offer! But if it is true, why isn't everybody investing in property? Unfortunately, based on the report recently ...

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Ep.85 | Is NOW The Time To Invest In Property In Australia?  

Are you into economics, numbers, trend lines and the Property reports released by CoreLogic? If you are, this episode is just for you! It can be a bit heavy and we recommend you to download CoreLogic Monthly Housing & Economic Chart Pack for October 2016 to have a full understanding of what Bryce and Ben would be talking today. Their focus is on Page 10 of the report, titled Investor lending is picking up again as owner occupier lending fades a little.

Bryce and Ben are also a bit concern about the current market's movement and if we are heading towards a bubble-like scenario. If so, would now be a good time to invest in property? Tune it to find out more!

 

PS: They will also be talking about the recent article Ben contributed to Australian Property Investor Magazine regarding Timing vs. Time in the Market and the differences between these investing concepts!

 

Free resources mentioned in this podcast:

CoreLogic Monthly Housing & Economic Chart Pack, October 2016 - Download here
FREE Tickets to the Sydney Property Buyer Expo (Coupon code: PBE16BRYHOL) - Get them here

 

If you like this podcast: "Is NOW The Time To 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://www.thepropertycouch.com.au/topics/

 

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Ep.84 | Why You Shouldn't Invest In Property?  

Yes, we know it can sound a bit contradictory. This is a property podcast with two property experts and we even did an episode on why invest in property! So why would we talk about not investing in property? Well, we are being honest here and the fact is...

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Ep.83 | Do you think like a sophisticated Property Investor?  

If you are new to property investment, don't you want to know what the sophisticated property investors are doing? It will certainly save you more time and money if you understand the norms and fundamentals from those who have already experienced the journey. So this time, we are talking about what do investors feel about the long-term merits of real estate, does negative ...

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Ep.82 | Q&A - Great tenants vs higher rents, Investing in property overseas, Managing leverage and more  

This week on The Property Couch, we are answering our listener's question! Bryce and Ben will be answering questions on great tenant vs higher rents, investing in property overseas, starting a career in the property investment industry, paying down debt vs investing, exit strategy when you are in your early 50s and who should you meet first: PIA or BA?

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Facebook Live Bonusisode (Bonus Episode)  

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!

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Ep.81 | Does Investing for the long term actually matter? - Chat with Stuart Wemyss  

For today's podcast, we have Stuart Wemyss, owner and Director of ProSolution Private Clients joining us to talk about his property investment journey and his investing philosophies. Coming from an Accounting and Finance background and with more than 19 years of experience in the investment services, Stuart is also...

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Ep.80 | The Four ‘D’ words that equal a motivated seller!  

One of the negotiation tips mentioned in previous episodes is to understand the vendor's motivation to sell. Once you understood that, you would have a better idea on what to negotiate on and increase your chances of securing that property. But as always, this is easier said than done because how ...

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Ep.79 | Q&A - Underquoting, New Developments Next Door, Fixing an Overly Negatively Geared Portfolio and more  

It's the first day of Spring and a perfect time for a Question and Answer episode! Bryce and Ben started off with some of their auction stories on underquoting and a general market update.The property market had been rather cold this winter but with that over, what will we be expecting these coming months?

 

Here are the questions for today's podcast:

Question on new developments next door from Jesse: My question is regarding to the current development boom that has exploded all over Melbourne as it relates to my property in bayside Melbourne. My wife and I bought a town house in Cheltenham about 8 years ago. It is on a reasonably busy road that goes from Nepean Highway down to the beach in Sandringham. We have been diligently paying it off as quickly as we can in order to give ourselves some freedom (we are both freelance) and now we are looking to buy our first investment property. This week the house next to us and the next seven houses along have all got 'For Sale' signs up in front. Our understanding after a brief chat with the next door neighbours is that they have all been approached by a developer who wants to build a large mid level apartment block right next to our house. Our concern is what impact this will have on our property value. We are now planning to move out and 'rent-vest' as we don't want to stay there through this construction phase.
Our main concerns are:
(A) How this will impact the value of our property when it comes to us getting a loan for an investment property.
(B) The impact this will have on our ability to rent out our townhouse if this new development goes ahead. In light of this are we better off trying to sell now and cut our losses or stick with it as a rental.

Question on cash flow from Sonia: Hi Bryce and Ben, I am a big property fan and have been listening to every single episode of the property couch. I have a few investment properties in the Sydney inner city suburbs. Besides that I also have a decent amount of savings in cash. I just quit my job to study interior design, hoping to set up my own business later on. I am a typical rich in assets and poor in cash flow example. Just wondering what is your investment advice for people like me. Thank you. Sonia
Question on property portfolio fromKhai:

Q1) Is it better to pay off the mortgage or keep buying Investment properties?
Q2) I have forecasted passive income of $60,000 (as a couple) in next 10 years (assuming 5% annual price rise and if I sell down my 6 properties to fully own 3 including PPOR). How do you increase this to 100,000? Keep buying 3-5 more properties in next 5 years.
Q3) How do I fix a severely negative cash flow portfolio (minus $25k annually for 6 properties)? Options I have in mind are: building a granny flat, refinancing to lower interest rates, raising rents, converting car space in townhouse to LUG (costs probably $10,000 per townhouse but increase rents $1k per year), converting car space in townhouse to LUG (costs probably $10,000 per townhouse but increase rents $1k per year)

Question on develop or buy from Adam: I own a positively geared corner property in North Sunshine in Victoria, I am ready to take the next step in building my portfolio, does it make better sense to develop my existing property into three town houses, or to go and buy another investment property keeping in mind that property price growth will most likely exceed building costs ?

 

If you like this Q&A episode (Underquoting, New Developments Next Door, Fixing an Overly Negatively Geared Portfolio 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://www.thepropertycouch.com.au/topics/

The post ...

Ep.78 | Ten Biggest Risks when Investing in Property in Australia  

Investing in property is considered as a relatively safe investment class but as with other types of investments, there are some downfalls that you need to be aware of. So in this week's podcast, Bryce Holdaway and Ben Kingsley will be sharing their ten biggest property investment risk. They will be unpacking this list from a macro point of view such as factors that are beyond an ...

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Can we ask for a favour?  

Hi there! If you like our podcast and feels like Bryce Holdaway and Ben Kingsley is providing good quality advice and contents, can we ask for a special favour? We are hoping to get nominated for Your Investment Property Magazine's 2016 Readers Choice Awards! Ben for Property Investment Advisor of the Year and Bryce for Buyers Agent of the Year!

 

For the last 2 years, Ben has won the title for Property Investment Advisor of the Year and it has helped increase the awareness in the industry regarding property investment advice. So this time, Bryce will be joining in and run for the Buyers Agent of the Year as well! The industry is an unregulated one and so, the more people know about this and understand that they need to be careful of property spruikers are extremely crucial. And this award is not a popularity contest like some other awards out there, the judges vet each testimonial on their merits in terms of what the adviser does over and above your standard property recommendation.  Things like detailed strategy, in-depth analysis, completely tailored plan to my needs are the reasons we think Ben took the award out last year.  Each year we strive to become a better advisor and a better buyers agent for our clients and our knowledge and thought leadership in property investment is highly sort by industry publications and for our clients.  Plus giving free property investment content on this podcast is our way of giving back to an industry that has been so good to us. Below is a couple of examples of the submission the precious clients wrote about Ben last year.

The industry is an unregulated one and so, the more people know about this and understand that they need to be careful of property spruikers are extremely crucial. And this award is not a popularity contest like some other awards out there, the judges vet each testimonial on their merits in terms of what the adviser does over and above your standard property recommendation.  Things like detailed strategy, in-depth analysis, completely tailored plan to my needs are the reasons we think Ben took the award out last year.  Each year we strive to become a better advisor and a better buyers agent for our clients and our knowledge and thought leadership in property investment is highly sort by industry publications and for our clients.  Plus giving free property investment content on this podcast is our way of giving back to an industry that has been so good to us. Below is a couple of examples of the submission the precious clients wrote about Ben last year.

 

 
"My wife & I first met Ben in 2012 and straight away felt & level of confidence & comfort with him. I can be sceptical at the best of times and without reference immediately felt that Ben’s demeanour, experience & knowledge would serve our best interests. Importantly, we felt he would be very easy to deal with and that would make the entire process more enjoyable. We then employed his services to devise a property investment plan that we believe has our future well set – we are very happy with it and progressing well. Ben & the Empower Wealth team took the time (more than we anticipated) to properly understand our goals and to work through a plan that would best suit us.
Ben operates in a highly professional manner but also speaks at a level that allows the uneducated to understand and follow and that meant we had even greater confidence in what was being prepared. I think Ben is a highly credible person foremost and certainly has a great reputation which is clearly having an positive impact on Empower Wealth. Ben also shows a willingness to go above and beyond and as a result we feel genuinely valued as a client rather than just a number. I would regard Ben as the best advisor (of any type) that we have dealt with. Quotation close2 Winner of Property Investment Advisor of the Year AwardI have already endorsed Ben to friends/family and will continue to do so.

Ep.77 | Right Strategy in the Right Market at the Right Time  

What is the possibility of investing in property with the right strategy, in the right market, at the right time? Well, that depends. Now, we know this sounds really vague but in order to determine that, one need to ask if they have the right understanding in the first place? Because it is very dangerous if the perception of a right strategy or a right market is wrong and you go ahead and build a property portfolio based on your assumptions. For example, if Alex believes that capital growth is the right strategy and buying within 5km radius from Melbourne CBD is the right market, then he would be in a very tricky situation because the supply at the moment is quite low (unless he has a very deep pocket).

So in this episode of The Property Couch podcast, Bryce Holdaway and Ben Kingsley focuses on understanding what is considered as "the right market" and why it is important that you take the long view on where the market is going before committing to anything. Bryce and Ben will also be answering Maria's question on cash flow management and an investor's mindset. Here's the question:
"Hi guys
Love the podcast and the book,  well-deserved success with both.
How do you draw the line between good cash flow management and depriving yourself of things you enjoy? My husband and I have always lived within our means and we now have two properties under our belt in Sydney, with plans to buy more. We're in our thirties. But I've found that as we've come along the investing journey I've become increasingly preoccupied with spending less. I have no issues buying necessities, paying bills, or paying for things that benefit our investing or our health. I don't blink an eye at spending on insurances, BA fees, etc, because those things are useful and necessary.
However, when contemplating discretionary lifestyle purchases, often costing less than $100 (you know, stuff you don't need, but want) I spend weeks analysing whether to buy, to the extent that I'm spending too much energy on it. I guess I worry that if I spend $100 here and $100 there, I'll just eat away at our cash buffers. What are your personal real life experiences with discretionary spending while trying to build a property portfolio? Did you and your family buy your toys and vices freely, or did you find yourself analysing every purchase?
I want to have the best cash flow position possible, but I want to have occasional frivolous luxuries too. I know I need some sort of mindset shift, but what does that shift look like?"
 

Some of the resources mentioned in this podcast:

Webinar with Jane Slack-Smith and Peter Koulizos - Register here
Game of Property Investing - Find out more here
Facebook Live Chat (September 13) - Join here
Property Investor Sentiment Survey by PIPA - Find out more here
Episode 53 - The Money SMARTS System - Listen here

 

PS: And we've just achieved half a million downloads on the podcast! Thank you so much for all of your support and feedback. We will continue to provide good quality contents, 'unpack' more frameworks and case studies and answer your questions on all things property. If you are wondering what are the boys doing in this picture, this is what happens when Bryce Holdaway and Ben Kingsley heard that we've got half a million downloads on the podcast!

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Ep.76 | Building a property portfolio after the boom - Chat with Veronica Morgan  

This time on our Special Guest Episode, we've got Veronica Morgan on the Couch! Most of you would have known her as the co-hosts of Location Location Location Australia on Foxtel Lifestyle Channel with Bryce but when they aren't filming, Veronica is the ...

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Ep.75 | Q&A - RBA Rate Cut, Planning for Reduction in Income and Bidding Tactics at Auction  

This week on The Property Couch Podcast, we are going through some of our other listeners' questions. But before that, Bryce and Ben will be discussing about the 25 basis point cut passed on by the Reserve Bank of Australia early this week. How will this...

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