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How to get money for ADVANCED Investors
We go through commercial lending and how we've recently funded a loan with no personal income and how HNW individuals with large equity balances can utilise commercial property investments to continue to grow their portfolio.
SMSF Lending allows you to continue to expand your portfolio, with interest rates not far from standard investment loans. In a world where borrowing powers are tight, more and more investor are utilising their SMSFs to grow their portfolios.
We also discuss TRUST borrowing lending and how it can benefit you going forward. Recycling your borrowing power has the ability to expand your portfolio.Reach out to us at www.australianpropertytalk.com.au
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Every negotiation is about information, education & working together to getting a deal done.
It is FAR easier to get deals done with experience, information than without.So, how do you, someone who doesnt actually buy property very often - get a successful conclusion?
Its not as simple as picking out an apple at the store and buying it.
There's generally more than one bidder for the property you want to buy, so you may not actually get what you want. Price, terms, etc are all negotiable.
In this episode, we talk about ways you can increase the chances of getting a successful property deal done.
We attempt to uplift your information by educating yourself exactly HOW to present offers and get a deal done.
We break up this episode into two partsGetting ready to buy
Get your finances ready BEFOREHAND – ideally make unconditional on finance offersProperty managers are your friends – you need them to visit the property for you.Generally ask for a B&P. They’ll find something. Ask the report person to identify high level costing of fixing, and ask for discount. Don’t ask, don’t get.Contract reviews – getting comfortable with contracts. Keys things to look for; planning agreements, title search, easement search, special conditions, settlement timings, etc.Negotiation
Dealing with Agents, how to become a 'preferred bidder'.Sourcing OFF MARKET opportunities, exactly HOW to find them.Negotiation – be CLEAR with your intentions.Set your value price – it can get heated in negotiations, know when to walk away.Don’t be afraid of missing out early – remember, theres a good deal every weekReach out to us at www.australianpropertytalk.com.au
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*** Our sincere apologies, yesterdays version had audio quality errors. This version is corrected.
As an individual property investor, you will be making a very very small number of property investments in your lifetime. Even Australia's Billionaire property developers make up a very small amount of total transactions.
This means you should, and CAN, target SPECIFIC properties that OUTPERFORM.
The rise of buyers agents and property courses has elevated the entire industry forward and helped property investors move forward dramatically by opening up the entire country, educating us all and helping us make better decisions.
Nonetheless, this approach has also promoted targeting 'AVERAGE' individual properties. There's simply more of them available, which helps promote transactions and in turn deliver outcomes for lots of property investors who they represent.
This DOES NOT need to be YOU though.
YOU make only a handful.
Average simply shouldnt be the hurdle for good enough.
We unpack how to find properties that will outperform because they benefit from AUSTRALIA's DOUBLING POPULATION in our lifetimes.Reach out to us at www.australianpropertytalk.com.au
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Picking areas that are about to BOOM is entirely predictable.
In fact, this is far easier to do than picking areas that MAY do well in the years ahead. Typically these markets have all the features of HIGH DEMAND, LOW SUPPLY
That combination means prices are going to rise. Perhaps first in the rental market, and then spillover to the housing market.
In this episode, we go through each KEY metric to look at.
Now theres lots and lots of data points, so we’ll focus on the ones that REALLY matter and show close correlation with SHORT TERM BOOM!
All of this is less about the economy itself – its likely that’s already doing very well. Its about DEMAND vs SUPPLY IMBALANCES across the rental and housing markets.
Reach out to us at www.australianpropertytalk.com.au
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INVESTOR SPECIAL SERIES 1/4: Over the past 10 years, I’ve had the pleasure of working with the best, 1000s of property investors, etc. This has framed my property investing strategy, the ‘alpha-beta’ strategy.
Property markets work in cycles. If the average growth rate is 6%, then that is made up of years of 20%+ growth and years of no growth.As property investors, we want to buying in areas that are going to do very well soon. We want to minimise the amount of time before the next BOOM comes around.
But we also want to be buying BEFORE that BOOM is in place. The earlier you buy here, the more risk it comes with. Things change. Its all a lot more uncertain.
In this episode, we cover 5 factors that help manage that uncertainty by increasing the likelihood an area is going to do well. Its all about the ECONOMY. A state, a capital, an area where the economy is going to perform really well and much better than it usually does, is going to do well.
Reach out to us at www.australianpropertytalk.com.au
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We unpack HOW the Transport Oriented Development Plan will change SYDNEY. The biggest planning changes in decades in Sydney are now legislated. After a short consultation period, the NSW government has got moving and enacted these changes quickly.
Planning changes of this scale and breadth remains a great opportunity for investors and homebuyers. We run through the specifics of how these changes work & what to look for.Reach out to us at www.australianpropertytalk.com.au
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Should i invest in an apartment? Many property investing experts say NO. Indeed, so many of the best buyers agents in Australia simply DO NOT buy apartments.
But Sydney apartments are now growing at DOUBLE the rate of houses.
Are they overlooking the data?
We unpack WHY apartments may be set for short term growth, including:
1. Value - apartments are showing strong value signals, being significantly underpinned relative to houses vs history. A typical 20% spread in median dwelling values has DOUBLED in recent years.
2. Affordability - lower price points are the name of the high interest rate game! Apartments are more affordable, and that means more demand in a money-strapped environment.
3. Supply - we are NOT building enough, don't have enough & aren't even approving enough. The supply pipeline is horrible, with around HALF of the total apartment supply required actually being delivered over the 3 year period ahead.
4. Population - new entrants & students often prefer apartment living. With the population boom underway, does that add to more demand for apartments?Reach out to us at www.australianpropertytalk.com.au
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Inflation came in at 1% for Q1 2024 in a big economic release. This was above market expectations, coming in way too high and is a cause for concern. Inflation is the number one data item that the RBA look at, and with this high number, rate cut talks for the foreseeable future are over.
The RBA removed its stance on 'increasing interest rates' at its last meeting, but is likely to reinclude it next week and warn Australian's that further rate rises may be required to quell the inflation beast.Reach out to us at www.australianpropertytalk.com.au
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There's tens of thousands of properties for sale at any point in time. How do you work out where to actually buy?
We unpack:
1. The importance of thinking NATIONALLY, not just locally.
2. Why NUMBERS is all that matters - not emotional attachment to walking past your property investment.
3. Property cycles are different across the country.
4. Why buying in rising markets helps your portfolio growth
5. How your own affordability constraints may mean you need to look elsewhere.
Understanding the data:
1. Using demand & supply tools to help you unpack where to buy for short term growth.
2. Using employment data to help
3. Coming up with YOUR checklist to buy
We are in a unique position to serve hundreds of clients across Australia - who work with the best agents in town.
Unlock what we've found in a step by step episode that will help you gain clarity on WHERE to buy.Reach out to us at www.australianpropertytalk.com.au
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We deep dive into the steps you need to take to purchase a property. We aim to help you take ACTION by SIMPLIFYING the process into a few key steps.
Simplified, property investing can be broken down into a few simple steps:
1. Get money - usually from banks!
2. Use that money to buy GOOD property investing -
3. Risk management - ensuring your cash flow is strong enough to support the property investment
We unpack WHY people fail to get started:
1. Why perfect holds you back
2. Why ACTION is key to results
3. How TIME will help you get resultsReach out to us at www.australianpropertytalk.com.au
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We deep dive into the Australian economy, jobs market, and rate cycle. We also unpack how Australia compares to the US and why they are doing so well, while we are barely growing at all.
We discuss the slowly moving rate cycle, and why we're now in PHASE 2 of this transition from raising rates to cutting.1. Stop increasing rates, but posture that more rate rises are coming.
2. Removing the 'posturing' of further rate rises.
3. Begin communicating that we expect to cut rates later in the year.
4. Actually cutting ratesIn the latest meeting, the RBA have moved from step 1 to step 2.
Reach out to us at www.australianpropertytalk.com.au
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How are so many Aussies getting on with their day to day life?
This question is absolutely key to the short term direction of housing values, the risks to the aussie economy, our jobs market and everything central to our economy.
Its why the RBA put a spotlight on Aussie households and how they're coping to high rates. There's 3 reasons how Aussie's are getting through:
1. A great jobs market - near the best on record.
2. We're adjusting our spending to get through - the Aussie resilience shining through!
3. We came into this position with big savings buffers
Check the full video on Youtube now!Reach out to us at www.australianpropertytalk.com.au
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Sydney planning changes proposed in 2024 is one of the best investing opportunities we have seen in a long time. In this episode, we deep dive into the changes proposed by the state government.
We discuss:
> What the pro's & con's are from pursuing a strategy like this
> What areas are going to benefit most
> Why apartments may do poorer as a result of greater housing supply
Overall, Sydney investors who have focussed on strong fundamentals and good locations, are likely going to be big winners from these changes.Reach out to us at www.australianpropertytalk.com.au
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Sydney planning is changing - the largest change in a generation due to come into legislation in 2024!
The state government is responding to the housing crisis with a massive change to planning proposals that impacts land all across the city.
We discuss:
> What is changing and where
> What areas will do well
> How property investors can benefit
> What to look out for and how to adjust your strategy to benefit from thisReach out to us at www.australianpropertytalk.com.au
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We've modelled out borrowing powers for 7 years straight. This shows a close relationship between borrowing amounts and house prices.
Scenario 1 (near certainty): Stage 3 tax cuts kick in and add 5% to borrowing powerScenario 2 (currently forecasted by markets): Stage 3 tax cuts + 0.50% reduction in interest rates. Combined this adds 11% to borrowing capacities.Scenario 3 (uncertain timing of APRA change, inflation will likely need to come down): Stage 3 tax cuts + 0.50% reduction in interest rates + a 2% assessment buffer. Combined, this adds 21% to borrowing capacities.Scenario 4 (CBA’s rate forecast for 2025): Stage 3 tax cuts + 1.50% reduction in interest rates + a 2% assessment buffer. This scenario leads to a whopping 36% increase to borrowing power!
In this episode, we deep dive directly into what will happen to borrowing powers in 2024.
We discuss 4 separate scenarios:What will this all do to property prices? If Scenario 4 comes to life with employment markets remaining strong enough, its likely to bring forward the next leg up of the housing cycle to 2025-2026.
Reach out to us at www.australianpropertytalk.com.au
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We deep dive into 2023 - house prices increased by nearly double digits YET borrowing powers fell by nearly 10%.
Why? What happened in 2023 and why did prices rise when credit availability came down?
This means that more and more purchases were made with larger deposits & to higher income Aussie's.
We unpack a few key factors:
1. The 'Bank of Mum & Dad' increasing in size and influence.
2. The massive wealth increase that occured between 2019-2022 creating a 'second wave' impact to property prices
3. Strong fundamentals
All of these explanations help unpack our next episode, where we deep dive into future borrowing power modelling over 2024-2025.Reach out to us at www.australianpropertytalk.com.au
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Do changes in borrowing power impact the direction of house prices? We deep dive into how borrowing power has changed up and down through 2017-2022 and how house prices have followed these changes.
For these years, the results are clear: House Prices in Sydney moved up and down in line with changes to the amount of credit available.Reach out to us at www.australianpropertytalk.com.au
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We unpack superannuation lending and how property investors can use their super to continue growing their property portfolio.
Specifically:
1. What is a self managed super fund
2. How do banks view SMSF's
3. What is a 'bare trust' and why is it needed
4. How does it expand my borrowing power?
5. How does it impact my personal borrowing power and future plans?
6. Who should consider SMSF's and property
7. What type of asset is usually bought inside super?
NOTE: This episode is GENERAL ADVICE only. We recommend specific credit, legal and financial advice BEFORE undertaking any super strategies.Reach out to us at www.australianpropertytalk.com.au
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We deep dive into the latest RBA release and 45minute press conference yesterday.
Specifically we unpack their latest forecasts, what they signal for interest rates ahead and why the clouds of uncertainty are starting to clear for property investors.Reach out to us at www.australianpropertytalk.com.au
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We unpack the latest finance strategy that offers advanced investors the opportunity to expand their borrowing power.
1. What is the company lending strategy?
2. Who uses this strategy and why is it an 'advanced strategy'?
3. Why it makes sense to have a healthy capital position when adopting this approach?
4. How do banks view this and why do they allow this?
5. Why there may be significant tax downsides without the capital gains discount being applied?
6. How do you ensure the entity is 'self sufficient' & what strategies can you use to help present it this way?
7. Does this mean UNLIMITED borrowing capacity? No.
8. Importantly, we discuss whether this strategy is for the LONG TERM and whether changes to lending policies may block this over time.
9. Will regulators block this approach?
10. How you can use this to help protect your 'future owner occupier' plans
Note that this podcast is GENERAL ADVICE ONLY and does not relate to your specific individual circumstances. We recommend specific taxation, lending & legal advice for your situation.
The purpose of this podcast is for educational purposes only.Reach out to us at www.australianpropertytalk.com.au
- Visa fler