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

423 | How This Reformed Spender Went From $336 To His Name To Getting his First Investment Property - Chat with Mathew & Olivia

Have you ever had just $336 to your name? Half of today’s Summer Series duo has. As our last episode of 2022, we’re closing out the year with a seriously phenomenal Summer Series Story. Meet Mathew and Olivia – our first and only couple in our 2022/23 Summer Series!! Raised in two very different backgrounds, this couple had 2 very different expectations around money management and investing... With one a spender and the other a reformed saver, tune in to discover how this couple has settled thei...

Dec 29, 20221 hr 10 min

422 | “I Lost My Safety Net”: A Tale Of Overcoming Loss And Finding Your Own Security - Chat with Jack

As our LAST Episode before Christmas, we’ve got a super heart-warming money transformation in store! 🎄🎅🎁 Meet Jack: a 29-year-old teacher who grew up on Sydney’s northern beaches. From happily living at home, spending his days teaching and his spare time surfing, his world was turned upside down at the age of 25. As this special Summer Series Guest says, “I felt like I'd lost my safety net.” Suddenly with no backup plan and no clarity about his financial future, he knew he had to make a chang...

Dec 22, 20221 hr 7 min

421 | “I walked away with nothing”: How To Start Again and Build Your Financial Peace From Scratch - Chat with Jessica

“I worked hard my entire life and I had nothing to show for it...” Folks these are the words from today’s super special guest before she began her complete financial and self-described personal transformation. Born into an amazing family with terrible money management...Jessica learned the value of being financially independent of a young age. So how did she end up selling the first house she built...with multiple debts...and “walking away with nothing...”?! Tune in to find out now and discover ...

Dec 15, 20221 hr 10 min

420 | How She Did It: A Single Mum With A 7 Property Portfolio On 36K?! - Chat with Mandy

“Some days, I had to choose between feeding the kids and driving them 27km to school...” Folks, some stories are just so insanely awe-inspiring and jaw-dropping that it's hard not to listen to it twice (or three times!). The story that today’s Summer Series Guest is sharing with us, is one of them. Meet Mandy: a champion mum from the remote town of Forbes. Growing up with absolutely NO money conversations around the table, she was constantly in “the bottom percentile” at school and at just 18, b...

Dec 08, 20221 hr 24 min

RBA Cash Rate December 2022: Has Australia Reached Its Inflation Summit?

As we start to close out the year that was, the Reserve Bank of Australia (RBA) has just released its last official cash rate for 2022! As global economic outlook shifts to a more “positive” note with the US and Australia seeming to have escaped a recession, have we just received another early Christmas present from the RBA? Tune in to find out if the cash rate has been paused for the first time in 7 months, plus these 3 other key themes in this month’s economic update: The slowing of interest r...

Dec 07, 202249 min

419 | Proof Is In The Portfolio: From Leaving School At Year 11 To Owning A $4.5M Property Portfolio - Chat with AJ

It’s finally here folks. It’s the time of the year we’ve all been waiting for (that’s almost better than Christmas 😉). Today we’re kickstarting the VERY FIRST episode of our 2022-23 Summer Series!!! And boy do we have a FANTASTIC lineup of guests for our 5th Summer Series, each with their own absolutely amazing, jaw-dropping stories which are all about this year’s theme… What Drove You To Act? From their origin story to their darkest-before-dawn moments to their “rising from the ashes”, we’re k...

Dec 01, 20221 hr 14 min

418 | The Hidden Forces Driving Property Values

“Property is a voting machine in the short term and a weighing machine in the long term.” Folks, these words form the beginning of one of our most important episodes (and also our LAST formal episode for 2022!! But don’t worry, we’ve got an AMAZING Summer Series coming at you next week. But back to this week…) In light of the rising housing values, we’ve heard SO many people say, “Surely property prices can’t go up anymore?!?” And this is exactly what we’re speaking to when we’re divulging… What...

Nov 24, 20221 hr 45 min

417 | Home Deposits Made Simple – Chat with Julia Hartman, Michael Ragavan & James Bowe!

Saving for a home deposit. With high housing values and a steadily rising cost of living, saving for that first big leap onto the property ladder can seem daunting to some and impossible to others. Here to part the sea of confusion and simplify home deposits, we’ve got a fantastic number of guests on the couch (In fact, this is the MOST guests we’ve had on at a single time ). Free Stuff Mentioned… Want help with your home deposit? See how our award-winning team, Empower Wealth can help! Book a f...

Nov 17, 20221 hr 32 min

416 | How Can We Solve Australia’s Building Crisis? - Chat with Paul Baker

Property is a game of finance just as much as it is a game of bricks and mortar. But what happens when this bricks and mortar – and the cost to put it all together – starts to cost too much?! From rising labour costs to widespread material shortages, we’ll be exploring why the industry has ended up in its current state, when we can expect things to “normalise”, and answering the BIG question… Should you delay building?! And if you’re already building….what should you do to ensure the best result...

Nov 10, 20221 hr 13 min

415 | When Do Out-Of-Pocket Costs Become Too Much?

We’re back with another mega-exciting Q&A Day that speaks to the Psychology of Investing, especially in an environment with rising costs and interest rates . From the common mindset blocks that investors face (like loss aversion and sunk cost) to how you can carve a path for yourself when you just don’t know what to do next. We’re unpacking why investing isn’t for everyone, the Quality of Living trade-offs, how and why you’d want to split your variable and fixed rates and tons more wisdom! F...

Nov 03, 20221 hr 11 min

RBA Cash Rate November 2022: Rate Hike Again But When Will It Stop?

While the race that stops a nation will have the eyes of Australians everywhere today, another decision drawing just as much interest has been released. In the Reserve Bank of Australia’s (RBA) November release – which happens to coincide with Victoria’s Melbourne Cup Day – Ben breaks down our seventh consecutive rate hike from the data behind this decision to how can we, as consumers, can curb interest rates. And, of course, it’s not a monthly RBA update unless it’s jam-packed! We’ll hear Ben e...

Nov 01, 202251 min

414 | How This Couple Is Smashing Procrastination & Retiring Early

One of the biggest derailers for any investor is… Procrastination . So how can you avoid falling into this trap?! Folks this week we’re back with another super-exciting, real Case Study about Annabelle & Jamie (Pstt – These are fake names!). Tune in now to discover the sequencing that Annabelle & Jamie can take to still make this dream a reality, and the frameworks and property plan that’ll stop them from falling into the procrastination trap (or from making more costly mistakes) ever ag...

Oct 27, 20221 hr 9 min

413 | The Future of Price Growth in Australia

Passing on interest rates to tenants. Updating property plans. The future of price growth and… Restructuring your mortgage (is Line of Credit still the best?!) Yep. Folks, we’re back with another ultra-packed Q&A session that’s all about being smart with your money in an unpredictable market. Give it a listen now to get the facts and cut through the noise! Free Stuff Mentioned… Want to be on The Couch? We’re calling all potential 2022/23 Summer Series Guests! If you’d like to share your stor...

Oct 20, 20221 hr 2 min

412 | The Best & Worst Performing Markets Over 30 Years! - Chat With Tim Lawless

Let's welcome back CoreLogic’s Research Division Founder, Tim Lawless! As Executive Research Director of CoreLogic, Tim heads up a team of analysts in Australia and New Zealand, reporting on property market conditions and the interplay between economic and demographic forces (phew talk about wide coverage!). Free Stuff Mentioned… Want to be on The Couch? We’re calling all potential 2022/23 Summer Series Guests! If you’d like to share your story, reach out to Stig here (We’d love to hear from you...

Oct 13, 20221 hr 11 min

Bonusisode | The Art of Investing in Volatile Markets - Chat with Michael Savy

With the turbulent state of today’s markets, it’s no surprise that there’s been a lot of noise around the future of Australia’s market and what it means for investors. With many conflicting trends and numbers — and a lack of clarity around the origins of Australia’s inflation — it’s hard to know what remedy is needed from the Reserve Bank of Australia or how to keep successfully investing in such markets. In Part 2 of this educational series, Ben Kingsley, Managing Director of Empower Wealth and...

Oct 11, 202232 min

411 | Meet the NSW Premier: Reforms, Housing Affordability & Cutting Red Tape - Chat with Dominic Perrottet

Folks, in honesty, today’s guest needs no introduction – although we’re still going to give him one… A proud husband and father to 7 kids, please welcome to the couch… The Hon Dominic Perrottet MP , NSW Premier and Member for Epping in the NSW Legislative Assembly!!!! Together, we’re pulling back the curtain on NSW’s newest property reforms, and examining his role in the scrapping of Queensland’s diabolical land tax! From solving the impending housing affordability crisis to helping everyday Aus...

Oct 06, 202248 min

RBA Cash Rate October 2022: How To Stop Inflation Psychology!

Overnight Update: This video was filmed & produced before the UK’s mini-budget was scrapped. Folks, Ben’s RBA Monthly Update doesn’t get much bigger than this… The Reserve Bank of Australia has once again lifted interest rates, property market sentiment is shifting fast, and despite all, Australia’s retail spending remains at record high levels. Tune in now to find out if we have finally broken the 50 basis point hike rate trend as we slowly rise above a neutral cash rate. Meanwhile, on the ...

Oct 04, 20221 hr 2 min

410 | What Happens Next? Market Reset, Rental Crisis and How To Solve It All! - Chat with Eleanor Creagh

Want to know what’s actually going on with Australia’s anxiety-inducing rental crisis ? Or where the market is really heading (based on insider’s data and knowledge?!) Well, folks, we’ve got an extremely wise and exciting guest sitting on the couch today to share just this! Please welcome…. Eleanor Creagh! She is the Senior Economist at REA Group (the brains behind realestate.com.au) and is a trusted financial commentator. Specialising in property, financial markets and macroeconomic policy, she...

Sep 29, 20221 hr 17 min

Bonusisode | Your Ultimate Guide To Reducing Tax on Vehicles, Private Insurance & Land - Chat with Julia Hartman

IMPORTANT NOTE: This recording was filmed and produced before Queensland’s Land Tax was scrapped. With a number of policy changes on the cards, in our third episode of “Talking Property Tax with Julia Hartman,” Ben and Julia cover… Salary Sacrificing For Cars: How do Salary Sacrificing and Novated Leases work? Plus, how can you tell if either is beneficial for you? Electric Vehicles – What are the changes to Federal Government’s policy and when is the best time to buy? Private Health Insurance –...

Sep 25, 20221 hr 1 min

409 | Having It All: How To Make Every Move A Winner!

Folks often believe that it isn’t possible to achieve everything they want in life. But what if, with the right sequencing and frameworks…it was possible to tick off everything on your bucket list?! Starting off with an investment property that isn’t faring so well but with 2 steady incomes, we uncover how – through the power of frameworks, sequencing and paper trading – they can achieve ALL their life goals. So how will they do it?! Listen now to find out! Free Stuff Mentioned… PIPA’s 2022 Brea...

Sep 22, 20221 hr 7 min

408 | Is It Time To Sell Up?!

To sell, or not to sell, that is the question being asked by Queensland’s property investors. We’re back with yet another gigantic Q&A, involving one of the most contested issues in Australia’s property market: Queensland’s New Land Tax. We’ll be revealing the realistic options that property investors have and as Bryce says, how to defeat “the monsters under the bed” when it comes to scary situations like this. And we balance out these topical questions with some evergreen challenges faced b...

Sep 15, 20221 hr 10 min

407 | Which Debt Should I Pay off First?!

Have you ever wondered if there’s a “right” way – or smart life hack – to pay off debts? Like is it better to pay off your investment property….before your Principal Place of Residence ?! Well folks, we have just the Q&A for you today where we tackle this very question and answer: Does this really shave off any debt?!? At the core of this Q&A is how folks can maximise their opportunities and be money smart… From renting your home as a holiday house to transferring a negatively geared pro...

Sep 08, 20221 hr 2 min

RBA Cash Rate September 2022: From Trough to Peak: How Bad Is Today’s Market?

Inflation is at a 20-year high at 6.1% – and continuing to rise. So how has the Reserve Bank of Australia responded to its September cash rate? Tune in to find out and uncover if Australia’s cash hikes are set to slow down soon…or if the RBA’s new forecast reveals otherwise. Across the globe, the inflation story continues to unfold and trade tensions between Russia and the Eurozone simmer. We see oil prices and energy suppliers shifting which leaves the question: How will it impact Australia? Pl...

Sep 06, 202247 min

406 | How to Beat the Banks at Their Own Game

Market sentiment is in a hairy place. Every day costs are rising , people are worried and purse strings are being pulled tighter. So how can you make sure you’re not leaving any money on the table? Well, from our experience, one of the biggest “money pits” people fall into is their mortgage loans. Specifically, folks don’t know how to find – and maintain – the best rate for them. Here’s the deal… When folks first start with their mortgages, all the banks are jumping with great offers. But it’s w...

Sep 01, 20221 hr 21 min

405 | Why the Great Australian Renter's Tax is Everyone’s Problem!?

Folks — full disclosure — today’s episode was NOT originally in the plan. Today you’ll be listening to Bryce interviewing Ben Kingsley as the Chair of the Property Investment Professionals of Australia (PICA) on Australia’s greatest renter’s tax ever introduced . Free Stuff Mentioned… Complete PIPA’s 2022 Sentiment Survey: Let us know your experiences and have your voice heard on issues such as QLD’s Land Tax. This is perhaps the most important Sentiment Survey ever done – Click here to complete...

Aug 25, 20221 hr 29 min

404 | What do Inflation, Interest Rates & Broccoli have to do with Property?!

With higher interest rates and tighter budgets on the forecast, some folks have been left wondering… “How does lifting interest rates – when everything is already so expensive – actually help with inflation??” And for today’s episode – what do interest rates and inflation have to broccoli and property?! To answer this, we’re holding a special 101-crash course in inflation to explain why the Reserve Bank of Australia has taken its course of action and Ben dovetails it all together to demystify ho...

Aug 18, 20221 hr 14 min

403 | Do You Need a Buyers Agent in Today’s Market? (Part 2)

Continuing from last week’s episode, we’re back with PART 2 of Do You Need a Buyers Agent in Today’s Market? As we’ve said since our earliest podcast episodes, folks end up paying in 1 of 4 ways , and choosing to work with a Buyers Agent means you’re also choosing to pay in the best way… (especially in today’s market, you don’t want to be paying in any of the other ways…) This week we’ll be diving deeper into this concept and unpacking the 5 benefits that Buyers Agents bring to property hunters ...

Aug 11, 20221 hr 32 min

402 | Do You Need a Buyers Agent in Today’s Market? (Part 1)

If you’ve been listening to the podcast recently, you’d know that we’ve been encouraging folks out there to keep investing despite today’s property market – basically, to be “greedy when others are fearful,” in the wise words of Warren Buffet! But…how are you supposed to get into the market – or even make progress – when you don’t have the experience or the time to invest? Folks, the answer is a Buyers Agent ! We’ll be deep diving into what a Buyers Agent actually does, the #5 critical roles the...

Aug 04, 20221 hr 31 min

RBA Cash Rate August 2022: Inching Closer to a Neutral Cash Rate

As we welcome in a new financial year, we welcome another not-so-surprising change… The Reserve Bank of Australia has once again lifted the cash rate by 50 basis points , bringing the official rate to 1.85%. This marks the most aggressive rate rise in a 3-month period since 1994 (If you’re wondering, back then the RBA lifted the cash rate by 200 basis points) Tune in as Ben breaks down what this hike means in the big picture and unpack these key themes: Is the world’s biggest economy in a recess...

Aug 02, 202244 min

401 | How Old is Too Old?! Refinancing, Retiring Debt & Starting Later in Life

“ How old is TOO old to start investing?!?” Like…how do Offset , Interest-Only & Principal Interest Only accounts work (in practical terms) to help you retire your debt? What are the fundamentals of Amortisation (we promise it’s not as scary as it sounds) and when are you too old to refinance a loan?? We’re answering how you can use all of this to best position yourself for retirement, plus… For single parents, Ben provides his #1 piece of advice to for building wealth into your retirement a...

Jul 28, 20221 hr 3 min
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