APRA has recently made changes that affect a lender’s borrowing power — what does this mean for property investors and homeowners… and their interest rates? Well, folks… we’re deep diving on this today (and getting a little bit technical), because, in July 2019, the Australian Prudential Regulation Authority (APRA) came out with their revisions to the “buffer” and “floor rates” of their Prudential Practice Guide APG 223 . And why are we telling you this? In a nutshell: this results in a change, ...
Aug 08, 2019•56 min
This is NOT the time to fix your mortgage. It’s odd, isn’t it? The cash rate is at an all-time low and the lenders have been cutting their rates, both fixed and variable. So why is it not the time to go for a fixed loan? We know it’s a big statement and that’s why Ben will be explaining all that in today’s RBA commentary folks! Apart from that, he’ll also be covering a variety of topics such as: What’s happening with the US-China Trade Deal and how did the US Chair of the Federal Reserve, Jerome...
Aug 06, 2019•18 min
Want to know EXACTLY HOW you’ll be buying property in the (not too distant!) future?? We know we sure do! So folks, here to tell us what the future in real estate is with augmented reality, virtual reality and a whole lot of jaw-dropping new tech is Steve Kounnas and Trent Clews-de Castella from Phoria , a world-leading immersive tech studio that specialises in just this! Not to mention the fact that Phoria ’s good mates with the likes of some “kinda known” brands like Google, REA Group and News...
Aug 01, 2019•54 min
It’s that time again for our Monthly Wrap-Up with Nerida Conisbee, Chief Economist for REA Group! And we’ve introduced a new style to our monthly catch up too! Nerida has generously agreed to use the whiteboard to explain this whole US-China Trade War thing because let’s face it, not all of us are across it. So… what to expect in this Bonusisode The Top Insights in this Bonusisode: Exactly what impact does the US-China Trade Wars has on Australia? The Cash Rate Outlook – where is it heading? How...
Jul 29, 2019•22 min
Let’s face it. There are a lot of millennials and first-home buyers among us who are frustrated and struggling to get onto the property ladder. And we don’t blame them! It’s hard work hauling yourself up on that first rung… and it can seriously knock you around, especially if your friends are out “brunching” and you’re choosing to stay home again and… save more money . Are we right? Believe us… we feel ya, folks! If you’re just starting out, oftentimes it can seem like you’re making snail-pace p...
Jul 25, 2019•1 hr 6 min
Raise your hand if you’re curious to hear about the profitable, 12-Step Process to Property Development…? Now, keep it there if you’re already a developer, or you’re keen to give property development a crack yourself or, hey, maybe you just wanna build on your property investment knowledge before you lock yourself into anything. Right then folks, if your hand’s UP, then this episode was tailor-made for you!! ‘cos today we’ve dragged the big boss back into the studio — Mr Peter Koulizos !! And he...
Jul 18, 2019•1 hr 25 min
Folks, things sure have been heating up in the high-rise apartment space recently and we MUST address a seriously important question, for property investors and homeowners alike… Should you be considering buying high-rise apartments in the wake of some very high-profile cases revealing significant issues?? We’re talking about the high-rise apartment evacuations that’s been happening in our main centres due to building defects — Opal Tower, Mascot Tower, LaCrosse apartments and Neo 200 —which hav...
Jul 11, 2019•1 hr 3 min
What’s a footy oval and a VERY successful investor got in common? … none other than one gutsy, 72-year-old woman… Susan Alberti ! For the folks who aren’t quite into AFL like we are, Susan is not only Football Royalty down here in Melbourne — particularly when it comes to the AFL Western Bulldogs Football Club and opening up the sport to women players… but also, Susan has lived an EXTREMELY incredible life… she’s experienced everything from very humble beginnings, unspeakable tragedies, not bein...
Jul 04, 2019•1 hr 35 min
75% of economists predicted another rate drop… Are they right?… or wrong? As mentioned previously, unemployment and wage growth is a priority for the RBA and despite last month’s cut , there wasn’t a lot of movement found in these two economic indicators. So the RBA Board has decided to drop another 25 basis points bringing the cash rate to 1% . Find out what other factors have triggered this decision including if the US-China Trade Deals has anything to do with it! AND if you’d like more data o...
Jul 02, 2019•15 min
Folks, this Bonusisode features Bryce’s Live chat with REA Group’s Chief Economist Nerida Conisbee on today’s Monthly Market Wrap… which they kicked off on Facebook Live ! So, what shape is the market in? Tune in to find out! The Top Insights in this Bonusisode: Nerida’s guess at tomorrow’s cash rate – will there be another drop? Economic Insights Auction Clearance Rates The locations with house price growth Market Wrap around the States – Melbourne, Sydney, Brisbane, Adelaide, Perth, Hobart Plu...
Jul 01, 2019•26 min
Folks, you’ve heard us say it before and we’ll say it again… “The State of Your Wallet affects the State of Your Mind” … … and this isn’t just a telling quote we throw around willy-nilly… it’s very real and is, in fact, evidence-backed. The truth is this… money worries and mental health are DEEPLY entwined. If you’ve got financial stress then, chances are, you probably feel like your whole life is out of whack… and this can seriously interfere with your mood, mindset and overall health! So today...
Jun 27, 2019•57 min
Folks, we’ve got your voicemail messages… and, yep, today we’re giving you our replies! ‘Cos it’s our favourite day of the month: Q&A Day where we answer YOUR SpeakPipe questions! And, we’ve gotta admit… a few of you folks have asked us about “The Elephant in The Room” aka a certain Barefoot Investor and how Scott Pape’s money management differs from our MoneySMARTS system . Oh, and of course, there are also some contrasting views on property as a long-term investment as well… which, as you ...
Jun 20, 2019•49 min
Want to hear from a guest listener who was Snagged by Spruikers and Bought Off The Plan? ….. AND STILL, somehow managed to turn their property portfolio around? Yep, it’s an Epic story, folks! And today’s guest, Danson Kwok, sure has HEAPS of tips & tricks — incl. how to maintain a solid mindset even through dark times — to share with you!! ‘Cos his substantial multi-million dollar property portfolio has now been tweaked and steered back on track through the sale of certain properties and le...
Jun 13, 2019•1 hr 25 min
Folks, we’re up and about today! Because not only is our dear friend Effie Zahos … aka the Money Queen … finally back on the Couch with us (It was WAAAY back in Episode 105 that we last checked in with her)… there’s also been a bit of a rate movement this week… the first in nearly 3 years! (Well, that, and our footy teams’ played each other on the weekend and Bryce came out on top of ol’ mate Kingsley!!) What this rate movement means is a little more money in the bank for mortgage owners, which,...
Jun 06, 2019•1 hr 20 min
So… no surprises here folks. We’ve got a rate cut! Phillip Lowe already indicated RBA’s decision to cut the cash rate two weeks ago in his Address to the Economic Society of Australia . Nonetheless, we are still excited to share that the cash rate is now at 1.25% . AND there are heaps to unpack today folks and is probably the longest RBA Commentary that Ben has ever done. Before we get there, here are a few resources that he’s mentioned: RBA’s Statement on Monetary Policy – May 2019 The Morrison...
Jun 04, 2019•24 min
Well, well, well…. Have we hit the bottom of the market folks??? In the shadows of the election — aka the Coalition’s surprise victory — it appears that confidence has returned to the property market! And now the crystal ball question — “ When’s the bottom of the property market happening?” may not be as cryptic (or as distant from us!!) as we first thought! So. What do we mean by this? Well, let’s put it another way… We jumped on a plane last week especially to bring you back the insights from ...
May 30, 2019•1 hr 25 min
Well, folks — Australia’s officially had their say after Saturday’s voting spree… and The Coalition are holding tight on its power for another term! Which surprised a lot of us. BUT there is a silver lining… … Negative Gearing has survived another day!! Which basically means… NO dumb policy is about to cripple the property market any time soon!! But the question remains… what are we in for now?? Joining us today is Angie Zigomanis , Senior Manager at BIS Oxford Economics and he’s got his binocul...
May 23, 2019•1 hr 5 min
Have you ever thought about WHO will be living in your investment property Chances are, you have! Because folks… an investment property is pretty useless without a tenant/s in it!! After all, you need these guys to help pay off your mortgage! So. Are they all the same?? What TYPES of tenants are out there and what can you expect from each one? Well, here’s the deal… we think there are FOUR tiers of tenants. Let’s meet them, shall we? Oh, and FYI: Ben’s “Did You Know” is off the charts… we don’t ...
May 16, 2019•54 min
Have you ever wanted to know how the changes to negative gearing will affect YOU??? Because folks, let’s face it… Labor’s policy to turn the lights out on negative gearing isn’t just going to affect the property market and potentially the ENTIRE Australian economy… the policy IS going to impact property investors, whether we like it or not. So we want you to be prepared and know what’s coming our way! And that’s why earlier in the week, we asked our Facebook Tribe , “What’s your #1 Question on N...
May 09, 2019•1 hr 2 min
With zero inflation for the quarter and an upcoming election, this month’s RBA Cash Rate is probably one the most interesting ones we’ve had for a while! It’s that time of the month again which means the RBA Board has met and announced the official cash rate. And wow! There must be an intense discussion going on within the board. Here’s a quick update on what’s been happening: The inflation numbers for the March quarter are out and yes, we’ve got zero inflation which brings the annualised inflat...
May 07, 2019•9 min
Folks, if you’ve sussed out the title, you’ll know that today we’re visiting a space we don’t normally explore — and that’s investing in COMMERCIAL property! If you’re a regular listener, you’ve definitely cottoned on to the fact that we obviously have an agenda towards residential investing but our bias doesn’t necessarily mean that you can’t reach success by other means of investing. And walking proof of this is Scott O’Neill , Founder and Director of Rethink Investing who is an experienced an...
May 02, 2019•1 hr 14 min
Folks, did you know that almost all of us have buried “bad feels” about money lurking somewhere inside us?? And this contributes — rather significantly — to how we spend and earn our hard-earned money… whether we’re aware of it or not! That long-forgotten moment you witnessed when you were five?? … Still remembered it! The way your parents spoke about money?? Basically, your psych has stored all your money stories somewhere… and these little tell-tales resurface at the best and worst of times. S...
Apr 25, 2019•1 hr 9 min
Folks, if you haven’t noticed the level of activities that had been happening on our show recently, there were heaps of things going on regarding Labor’s Proposed Negative Gearing policies. Long story short.. Two weeks ago, Ben as the Chair of Property Investors Council of Australia (PICA), discovered that Labor and the Parliamentary Budgeting Office (PBO) had been using incorrect data in their costing for the proposed Negative Gearing Policy. Since then, Ben had been speaking to researchers, ag...
Apr 18, 2019•12 min
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 [...] CONTINUE READING The post Episode 228 |Ownership Structure & Trusts with Julia Hartman – Everything You Need to Know About Property Tax (PART 2) appeared first on The Property Couch . LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: http...
Apr 18, 2019•1 hr
Yes you’ve heard it right yesterday! Ben was on the Money News with Ross Greenwood! Folks, if you haven’t tune in to the Money News yet, do yourself a favor and check out their podcast. We tune in to the [...] CONTINUE READING The post Bonusisode with Ross Greenwood on the Money News! appeared first on The Property Couch . LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://ww...
Apr 12, 2019•11 min
Folks, let’s just say… it’s been a week!!! You know that exclusive story we shared with you in last week episode ?? Well, it’s, ahh, hit the headlines… BIG TIME! Don’t know what we’re talking about? Here’s a Quick Recap… Ben was listening to Chris Bowen (Shadow Treasurer of the Labor Party) on ABC’s Insiders: The Interview. Bold Statement made. Rather bold in fact ( Listen to ABC’s audio here ). Chris Bowen quotes that 96% of properties negatively geared are Established Properties. Ben nearly “l...
Apr 11, 2019•54 min
Property Tax… let’s have a real conversation about it folks! Because if we’re being honest— even with 40-odd years of industry know-how between us — there’s still a bit of property tax knowledge we could use too. And if you’ve listened to us for a while now, you’ll also know that, when it comes to tax, we’re only allowed to talk about “Statements of Fact” — as we’re not qualified to give advice in this area. So it’s GREAT NEWS that today’s guest is absolutely, well and truly, qualified to dish o...
Apr 04, 2019•1 hr 19 min
Folks, we’ve got a very FULL week ahead of us! Firstly, it’s the first Tuesday of the month which means the RBA Board has met and announced the official cash rate. And tonight at 7:30 PM (AEDT) is Budget Night ! We’ll be hearing from Treasurer Josh Frydenberg and many are expecting some cash splurge. As indicated by the recent economic data, we need some good old stimulus in the economy. This is then followed by a reply from the Labor party on Thursday! Do they agree? Do they not? Not to mention...
Apr 02, 2019•13 min
Yes, it’s finally here!! After weeks of teasing, we’re finally ready to release this to you! Have you ever wondered how are you performing? If you’re doing good, bad or ok compared to your peers? Well, the wait is now over! Our Money Fit segment is available on the Platform right this moment and is built with that sole purpose in mind. We’ve decided to launch with the Annual Surplus Cashflow chart but there will be many more charts and filters to come so stay tuned! What are you waiting for? LIS...
Mar 29, 2019•10 min
Folks, we have a very special guest today … Dr Shane Oliver , Head of Investment Strategy and Chief Economist at AMP Capital !! So, if you’re keen to hear the latest economic news across the property AND stock market, or you want the intel on how the cogs of the economy run … then you’d best hit play on this one! To give you an idea, Shane Oliver is responsible for determining AMP Capital’s investment strategy and asset allocation and also provides economic forecasts and analysis to asset-class ...
Mar 28, 2019•1 hr 2 min
