The Property Couch - podcast cover

The Property Couch

Bryce Holdaway & Ben Kingsleythepropertycouch.com.au

Each week, Bryce Holdaway and Ben Kingsley bring their conversational style to The Property Couch, where they educate their community on the fundamentals of property, finance, and money management. They delve into the latest industry data, trends, and best practices, making complex concepts understandable and engaging.

Since its launch in February 2015, The Property Couch has become Australia’s premier property investing podcast. Bryce and Ben draw on over 25 years of personal investing experience and extensive work with thousands of clients through Empower Wealth, their multi-award-winning national property and wealth advisory firm.

With a consistent ranking in the Top 5 of the Investing Category charts and an impressive 4.8-star rating from more than 2,300 reviews on Apple Podcasts, The Property Couch is essential for anyone serious about building a passive income through property investing.

As best-selling authors of two books, Bryce and Ben don’t hold back in sharing their deep knowledge, personal experiences, and lessons learned including both their successes and their mistakes. Known for their fun banter, they make learning about these topics enjoyable and insightful.

But the podcast isn’t just about Bryce and Ben. They love learning from others too, and regularly bring in top minds from Australia and around the world to discuss topics like property, economics, lending, money management, investing mindsets, high performance, and habit and behaviour building.

Their true mission? To help you achieve financial peace and live your ‘Lifestyle By Design.’ They’re so dedicated to your success that they’ve even developed Moorr, a free money management app designed to help you set and achieve your goals, manage your finances, oversee property investments, and track wealth creation over time.

As Ben often says when wrapping up each episode, “Knowledge is empowering, but ONLY if you act on it.”

YT: https://www.youtube.com/@thepropertycouchaustralia

IG: https://www.instagram.com/thepropertycouch/

Episodes

62 | Does the Great Australian Dream still exist?

What a week in the property industry! It started off with ABC’s Four Corners Monday night segment called Home Truths . This episode focused on housing affordability and negative gearing and they interviewed a few parties for this segment. Following that, we have the Cash Rate announcement at 2:30 pm on Tuesday. As widely expected, the Reserve Bank of Australia has dropped the cash rate by 25 basis points to 1.75%. A few factors contributed to this decision but one of the main reasons is the defl...

May 05, 201637 min

61 | Finding the Right Property Education and Renovation Tips - Chat with Jane Slack-Smith

Listeners of The Property Couch will probably know our views on property renovation. If it’s a small project such as fresh paint, we are all over it but if you are looking at renovating for profit, we always ask our listeners to proceed with caution because a renovation project can be quite daunting for the inexperienced. In this episode, Bryce and Ben invite a close friend and fellow property expert (especially when it comes to renovation!), Jane Slack-Smith from Your Property Success to share ...

Apr 28, 201643 min

60 | Building a Portfolio through Rentvesting - Chat with Chris Gray

It’s Episode 60 and we’ve got a special guest on the show today! Bryce and Ben have invited Chris Gray , host of ‘Your Property Empire’, on Sky News Business Channel and CEO of Empire Property to talk about all things property. Apart from being a property expert, Chris also manages his own property portfolio and is currently a rentvestor. In fact, he has been rentvesting for quite some time. So, drawing from his experience, the three of them will be discussing: How he built his property portfoli...

Apr 21, 201636 min

59 | Rentvesting: What is it and who is it for?

As mentioned in a previous podcast, Bryce Holdaway and Ben Kingsley will be talking about Rentvesting today! It’s not a common property investing strategy but it is gaining some momentum amongst Australian property investors . In fact, Ben was asked to write about this for the March 2016 Cover Story of Money Magazine . If you would like a copy of this article, just fill in the form below and we’ll send it to you right away. In this episode, our hosts will be explaining what this strategy is all ...

Apr 14, 201636 min

58 | Will apartments value drop by 50%?

In recent weeks, a few lenders have begun to tighten their terms and conditions on apartments in certain suburbs across Australia. Needless to say, some commentators are putting a blanket statement on the future of apartments and claim that they are looking rather bleak at the moment. However, how much impact will these changes have on apartment value and if so, will it affect all types of apartments? Listeners that have followed this podcast since its inception would know about Bryce and Ben’s ...

Apr 07, 201635 min

57 | The Headwinds are Coming

The whole idea for this podcast is to help others become successful property investors (or perhaps avoid them becoming unsuccessful property investors). But Bryce and Ben know that the more successful you become, the more likely you are to be criticised. Unfortunately, it is far easier for people to share their thoughts on what you are doing wrong and when something does turn up a little haywire, you would get the usual, “I told you so”. Now, this is probably very different from the usual topics...

Mar 31, 201636 min

56 | Q&A - Exiting a contract, crowdfunding, what's the impact of global events on Australia Property Market and more

It’s Q&A time! This week on The Property Couch, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions! Exiting a contract question from Alex. Crowdfunding questions from Carol: What is “crowdfunding” and how will it work? Ownership questions from Rob: What property ownership structure should investors use when buying an investment property ? Individual, trust, company etc. Is there a need to balance tax adv...

Mar 24, 201634 min

55 | Investment savvy mortgage broker and why interest rate is NOT King?

The last time we did a podcast on finding a mortgage broker was in Episode 43 . We’ve received a lot of feedback after that episode on what kind of questions the borrower should ask to determine if the broker they are speaking to is investment savvy and if there are any websites that sort of serve as a directory. So this time around, our hosts will be sharing a framework to help you understand the difference between a banker and an investment-savvy mortgage broker. They will also be focusing on ...

Mar 17, 201635 min

54 | Q&A - Entry into the property investment market, debt reduction and investing in house and land packages

It’s Q&A time! This week on The Property Couch, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions! Entry into the property investment market question from Aaron: Hi guys! could you possibly talk about entry into the property investment market ? Specifically how much money do you need? I have some money sitting in a term deposit but I have heard that you need more like $40,000 before you can even look at...

Mar 10, 201632 min

53 | The MoneySMARTS System

By now, our listeners should understand the importance of good money management habits. It is the core of building a successful property investment portfolio and has been reiterated multiple times throughout this podcast. As part of the Four Pillars of Mastery, Bryce and Ben have talked on various occasions about Cash Flow Management and the flow of money in your household. This includes where the money comes from, types of spending and types of investments for your surplus. In episode 41, they ...

Mar 03, 201638 min

52 | A property investor's journey and confidence in the Australian residential property market - Chat with Phillip Tarrant

It’s our One Year Anniversary!! Time does pass rather quickly and if you’ve found this podcast from Episode 30 or something, we strongly recommend you to rewind a few episodes and start with Episode One . It used to be 15 minutes, so it wouldn’t take long to catch up. For today’s episode, we are bringing in Phillip Tarrant, Director and Managing Editor of Sterling Publishing and host for the Smart Property Investment Show Podcast. Apart from his daily job, Phillip is also on the board of the Pro...

Feb 25, 201637 min

51 | Will Labor's proposed changes to Negative Gearing policy be good or bad for ordinary Australians?

What an interesting weekend! We always knew that the negative gearing debate was one that would never fade away but last weekend on the 13th of February 2016, Opposition Leader Bill Shorten used his speech at the NSW ALP conference to unveil some possible changes to negative gearing should Labor win the next election. Needless to say, this opens up a lot of conversations and debates surrounding what this policy would involve, what data the decision is based on, the policy’s framework and its imp...

Feb 18, 201642 min

50 | Q&A - Credit card management, professional fees, LOC for negative cash flows, adding value via reno and interest only loans

Only a couple more weeks left to our Summer Series. This week, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions! Credit card management question from Peter on Facebook: I want to adopt your setup but worry about using a credit card, considering we don’t have one currently. Thoughts? Professional Fees questions from Andrew: I am a first-time investor with limited funds for my purchase, and I am trying to ge...

Feb 11, 201633 min

49 | Possibility of an out-of-cycle rate rise and media commentaries on the Property Market

The Governor and Reserve Bank have decided to keep interest on hold at 2% in the cash rate announcement this month. But will there be another out-of-cycle rate rise by the lenders? We’ve seen it last year when interest rates on residential loans were raised but what are the chances that it’ll happen again this year? Bryce and Ben talks about this in today’s episode. They will also be talking about the recent hype in media commentaries regarding the Australian Property Market . Not to forget our ...

Feb 04, 201633 min

48 | Different investment structures (trust, company, partnership), CGT and other tax related topics - Chat with Frank Azzopardi

Our loyal listeners would have noticed by now that every single time a tax-related question pops up on the podcast, Bryce and Ben will try and answer it in a general sense (sometimes, probably too general). So, this time on The Property Couch, we have invited Frank Azzopardi from YK Partners to help give a clearer definition when it comes to questions related to tax and property. Sit tight and be prepared because this episode can be very technical. Some of the issues that they’ve touched on in t...

Jan 28, 201634 min

47 | 2016 Property Outlook and Findings on Gentrification - Chat with Peter Koulizos

Peter Koulizos is back on The Property Couch podcast! The last time Peter joined our podcast, Bryce and Ben couldn’t stop discussing his thesis on Gentrification. This time, with his thesis almost at its completion stage we are more than keen to invite him over and discuss in detail the findings his thesis has uncovered. On top of that, as a bonus, they will also be revealing their 2016 Property Outlook for the Australian Market . With the dropping auction clearance rates in Sydney and Melbourne...

Jan 21, 201631 min

46 | Q&A - Things we would have done differently, Buying sight unseen, Tax and purpose of property, Investment grade in regional centres and Joint ventures

We are back on with the Questions and Answer time for our Summer Series. This week, Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. Thanks again for submitting your questions! Question from Alex: Knowing what you know now, what 5 things would you both have done differently ? Buying sight-unseen questions from Lewis : Best advice for buying property without being able to walk through the property . The best area to buy in Australia if you don’t kno...

Jan 14, 201632 min

45 | Why Should You Conduct a Pre-Purchase Building Inspection and What Could Go Wrong? - Chat with Paul Baker

Welcome to The Property Couch’s first episode in 2016! Joining us on the podcast today is Paul Baker from Inside Out Property Inspections . As mentioned in Episode 22 and Bryce’s video on “ When to conduct a building and pest inspection “, pre-purchase building inspections are non-negotiable for us. We cannot emphasise enough the consequences of buying a property only to discover later on that a lot more money has to be put in to ensure its livability. Not only will this impact the investor’s ca...

Jan 07, 201634 min

44 | Q&A - Building cash reserve, Next-door suburbs, Property professionals, Offset accounts, Buying at a premium, How to be a BA & Renovating for Profit

For the last episode of 2015 and as promised for our Summer Series, we will be going through quite a few questions! Bryce Holdaway and Ben Kingsley will be answering the questions below from our fellow listeners. It’s going to be a full-on one so sit tight! : Building cash reserve question from Maria: Can you please discuss how to build cash reserve buffers into your property investment plan, and the options for funding unexpected large expenses like medical expenses and family needing financial...

Dec 31, 201533 min

43 | How to choose a mortgage broker wisely?

Merry Christmas! It’s the first Christmas on The Property Couch and Bryce and Ben are definitely in a festive mood. In this podcast, they will be sharing some of their stories on mortgage brokers and what role they play in building a property portfolio. We’ve spoken about this before in Episode 17 where we talked about the concept of a Personal Banker . In this episode, we’ll list out the criteria to look for when you are thinking about including a mortgage broker in your property team. Yes, it ...

Dec 24, 201532 min

42| Investment Strategy, New Developments and Professional Advice - Chat with Steve Waters

Our next guest on The Property Couch is Steve Waters from Right Property Group ! Steve comes from a Buyers Agent background and his company is part of the Property Investment Professionals of Australia (PIPA) association. With a combined experience of more than 30 years in the property industry, this trio will be chatting about: What triggered Steve to start his investment journey and the biggest mistake he had ever made in his own portfolio The philosophies and strategies in property investment...

Dec 17, 201531 min

41 | The Moving Parts of Cash Flow Management (Money & Wealth Accumulation Model)

This week on The Property Couch, Bryce and Ben discuss the moving parts of a cash flow management strategy. Compared to Episode 3 (Four Pillars of Mastery – Cash Flow Management) where we talked about the flow of money, this podcast is mainly about the Money and Wealth Accumulation Model. It includes the variables and assumptions to consider when modelling sophisticated wealth outcomes. As this topic can be fairly detailed, we strongly recommend our listeners have the diagram open while listenin...

Dec 10, 201534 min

40 | Q&A - Line of Credits, NRAS Program, Fixing a Broken Portfolio, Conducting a Due Diligence and Insurances

Introducing the first episode of our summer series! Let’s kick start with Q&A episodes. If you have a property-related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here . In this episode, Bryce and Ben will be addressing some topics: Line of Credit (LOC) question from Brad: I have a finance-related question, specifically about the intricacies of Lines Of Credit. I understand that you would use your LOC for investing costs, such as a deposit o...

Dec 03, 201530 min

39 | Post-Purchase Process for Investment Properties

As mentioned before, getting the right strategy and perfecting the art of asset selection is crucial to any property investor. But what happens once the contract is signed? This time on The Property Couch, Bryce Holdaway and Ben Kingsley talks about the post-purchase process when buying an investment property. Bryce started off the podcast with an analogy. Imagine you are on board a plane and it’s about to depart. When a plane takes off, from the moment it leaves the tarmac to the point it level...

Nov 26, 201537 min

38 | Property Price Research in Australia

In their daily role as a Buyer's Agent and Property Investment Advisor , Bryce and Ben often conduct comparable analyses on properties that they are going to buy. This is a crucial part of their due diligence because it demonstrates the suitability of the property for the client’s property plan and also sets a starting point for their negotiation process. So in this episode of The Property Couch, they will be sharing the process that they go through when conducting property price research . Our ...

Nov 19, 201535 min

37 | Understanding the Scarcity factor in Property Investment

Scarcity. It is one of the three filters in our asset selection criteria and you’ve probably heard Bryce and Ben talking about it numerous times in previous podcasts. In this current market condition, it is more important than ever to ensure you nailed the scarcity factor right. But how do you determine if a property is scarce or not? In this episode, our hosts will be breaking the scarcity factor into two parts and will be sharing their very own. “Scarcity Scale” . As mentioned previously, loca...

Nov 12, 201533 min

36 | Journey of the Property Investment Advisor of the Year

It’s confirmed! Ben Kingsley is the Property Investment Advisor of the Year 2015 Award! This is the second year we’ve championed the PIA Category of the Reader’s Choice Award organised by Your Investment Property Magazine. But this is not a reflection of an individual’s work. Thanks to all of our team members at Empower Wealth and all of you who voted for us. We wouldn’t have done it without our customers and loyal listeners' ongoing support. To celebrate this win, Bryce will be asking Ben to sh...

Nov 05, 201532 min

35 | What does the PIPA Annual Investor Sentiment Survey means?

In this podcast episode, Bryce and Ben will be explaining the recently released 2015 PIPA Annual Investor Sentiment Survey and help our listeners in understanding what the report means to property investors and the industry itself. Some of the key insights of the report include the impact of APRA’s regulation on residential real estate, overall sentiment on how the market is performing and where it is heading, where most investors get their property investment advice from, which state capital pr...

Oct 29, 201532 min

34 | Q&A - Investing in Commercial Property, Fixing your Loan, Using a BA and Estimated Growth & Returns for Property Plans

It’s another Q&A episode! We are loving these Q&A episodes. If you have a property-related question that you couldn’t solve or needs an opinion on, please do not hesitate to let us know here . In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics: Using a Buyers Agent question from Tim: For a person that is looking to purchase an investment property where they’ve already educated themselves on property investment from Podcasts, read property investment books and...

Oct 22, 201531 min

33 | Q&A - Investing with Equity, First Home Buyers Tips, Buy-Reconstruct-Sell Strategy and Leasing to Relatives

It’s Q&A time! In this episode, Bryce Holdaway and Ben Kingsley will be addressing some topics: Finance-related question from Kat: Would you please explain more about using equity ? E.g. I heard from a broker that one needs to refinance the loan on the existing property – does this mean the old property and the new one to be purchased are tied together? To assess the equity available, does one first need to pay for a valuation report on the existing property? Leverage question from Naomi: Se...

Oct 15, 201530 min
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