The Property Couch

There are many factors at play when looking for an investment property, but did you know there’s actually a science behind selecting assets? Yep, that’s right folks! This science is called: The Buyers Decision Quadrant!   It’s made up of… PriceLocation  Land proportion  Quality of Dwelling We’ll explain what each one means, and while the concept is quite simple, the real achievement is understanding which part of the quadrant you are willing to compromise on and which is non-negotiable.  We’re also looking at some great case studies  and comparing 1970s and 1990s apartments, and which one has fared better over time!  Folks, it is rare for an investment property to tick all the boxes, and most of the time, you will need to journey through the Buyer's Decision Quadrant to make the right decision for you!  So keep this episode on repeat 'cause we think this one will help with making those hard decisions again and again!  Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 for the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid making bad investment choices and avoid buying the wrong asset. So if you think we are doing a good job, please do nominate us here.Our details for nomination:Name of the Organisation: The Property CouchName of the Person you deal with: Bryce Holdaway and Ben KingsleySuburb: North MelbourneState: VICPhone number: 03 9326 8900Email address: info@thepropertycouch.com.auFree Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.  Check out Bryce’s article “Earn $2500 A Week at Retirement” which wLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

So we’re saying…. swimming pools are bad?!  Building off last week’s episode on the advantages of using a Buyers Agent, we’re looking at the 4 ways an investor will pay… Buying the wrong _____  By falling into THIS habit  By ____too much  By acquiring THIS information  We’ll be explaining why swimming pools can mean trouble for investors…  Sharing personal experiences and client stories AND delving more into how the Property Investment Professionals of Australia (PIPA) can help provide credible advice! Now, it’s up to you which way you pay but we’re unpacking what each method will mean over the long term.PLUS we’re highlighting WHERE you should avoid having an ego explosion and linking it to lessons learned in previous episodes.Is this the first episode you’re listening to? We recommend going back to the start and listening at 1.2x speed – we promise it’ll help you build your knowledge way faster!But if you’re up to date – congrats! Tune in now to best understand your options when buying a property!Also, The Property Couch is hoping to get nominated for the Investor’s Choice Award 2015 for the category: Property Educator/Mentor. We would like to spread the word on the podcast so that we can help more people avoid making bad investment choices and avoid buying the wrong asset!!Free Stuff Mentioned:  Summary Video – Four Ways a Property Investor Will PayRBA July 2015 AnnouncementCheck out the Property Investment Professionals of Australia (PIPA) to verify the professionals you’re working with!Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Folks, a good investment property is just like bricks and mortar bank account!!  (Yep, that’s another great analogy from Bryce – just wait till you hear the cow one too!)  This means – it doesn’t need to have all the looks; it just needs to be investment grade. And this is exactly where Buyer's Agents come in!!In today’s episode, we’ll be taking a looking under the bonnet and hearing what a Buyers Agents life is like, unpacking their role in the property market and discussing what the KEY advantages of using them are!Of course, since we’re sharing WHY you need Buyers Agents, we’ll also be revealing WHERE you can find some great ones!And we think we’re both in pretty good spots to be explaining it…We’re both experienced, qualified and licensed Buyers agents in multiple states across Australia!We’ll be sharing some stories from our past… PLUS discussing the role that professional bodies such as the Real Estate Buyers Agents Association of Australia (REBAA) and the Property Investment Professionals of Australia (PIPA) play in the property market.  Loads of good stuff in today’s episode, tune in now folks!   Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.  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://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Did you know, to be a great Property Investor… you need to be great in Finance!This means you need to understand how to access money, and most importantly, understand how to use Leverage.Yep, that’s right! And to better understand this concept, we’re drilling down into the Borrowing Power pillar, found in our Four Pillars of Mastery framework.In theory, investors are supposed to be thinking of 2 properties or loans in advance, whilst setting up their current property.Of course, the reason we said this, in theory, is because most investors simply don’t know how to achieve this as they lack the knowledge and experience.So, what happens next? Well, unfortunately, they go to the bank hoping that the bank or lender will sort it out for them, but what folks forget is…the banker works for the bank!Bankers typically don’t have the capacity to conduct a thorough analysis of all investors’ loan strategies and structures. It’s kinda like going to the GP and asking them to perform knee surgery (not safe or practical!)That’s why in today’s episode we’re discussing how to maximise your leverage, the difference between cross-securitisation to stand-alone lending (Hint: you should definitely avoid 1 of them)…AND why you should choose a specialist over a generalist EVERY TIME.We’re also looking at the strategy and structure behind good lending and who your personal banker should be!   Tune in now folks    Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away.  Free Report: 7 Common Mistakes when selecting a Property LoanBeginner’s Guide to Property Investment WebinarLISTEN TO THE FIRST 20 EPISODES HERE >>MOORRLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Aaand we’re back at it folks!! Our first double-part episode…ALL IN THE SPACE OF ONE WEEK! Yep. That’s how important we believe these two lessons are!!So today we’re finishing our “5 Essential Steps to Property Investing in Australia” framework (Of course, if you haven’t already listened to the first part, tune in here) covering the last TWO steps of the process:  4. Implement (The researching and buying – often what too many people do FIRST in the framework)  5. Manage (The checking and monitoring of the property each year)  Combined, these 5 steps will guide you to effectively and successfully plan and achieve your life goals!  AND (in the wise words of Bryce) if you’d like to turn your dream into a goal, our business – Empower Wealth – offers tailored Property Wealth Planning strategies based on YOUR financial and life goals.We discuss how these plans work and why they’re important…Plus we define the 2 key metrics that Empower Wealth uses to create these insanely accurate financial plans!(Did we mention these advanced calculations have been designed by Ben himself??)If you’re interested in getting us to help you out with your property journey, check us out here!There’s so much gold in this framework finale episode, tune in now folks!  Free Stuff Mentioned:  Ep 3: Cash Flow ManagementEp 4: Borrowing PowerEp 5: Asset SelectionEp 6: DefenceEpisode 016 | (Part 1) The 5 Essential Steps to Property Investing in AustraliaCheck our Empower Wealth’s Property Portfolio PlanJust starting your property investing journey? Check out our FREE 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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Folks, we think Australia’s school curriculum should include money management and smart investing…In fact, we believe so strongly that Aussies need MORE property education, that we’re expanding from our “Four Pillars of Mastery” series…(Haven’t listened? You can check it out here!)…into the first part of our “5 Essential Steps to Property Investing in Australia” framework!!Yep, that’s right folks, we’re giving you yet another free framework that’ll guide you on your professional investing journey!Today we’re covering the first 3 steps… Clarify (Understanding your financial and personal story, and your properties’ potential)  Evaluate (This is the art of understanding your cash flow – basically, crunching those numbers)  Plan (Putting a written plan into place)  We’re breaking down each section and explaining how you can achieve it, with insider tips that we’ve learned over the past 40 years!We’ll also be unpacking the Microscope challenge and listing some real-life examples in action. Tune in now to upgrade your knowledge!p.s Make sure you check out the simulator that Ben mentions in this podcast, it’ll seriously help you to achieve these three steps!p.p.s  Continue to >> Part 2 of 5 Essential Steps to Property Investing in AustraliaFree Stuff Mentioned:  Ep 3: Cash Flow ManagementEp 4: Borrowing PowerEp 5: Asset SelectionEp 6: DefenceJust starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which 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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

While we’ve been sharing tons of wisdom with you over the past few weeks…Today we’re putting knowledge into practice with the podcast’s first case study from Aaron, a valued listener of The Property Couch!Aaron asks:  “Why do some apartments that seem to tick all the boxes just don’t appreciate in price over time? This block at Brunswick is close to public transport, schools, cafes and lifestyle but based on the comparable sales, the apartments have only achieved very little, if any, price gain since 2010.Your podcast has been saying “Location First, Property Next”, but I’m confused with this property. Why is this place so cheap? If it’s because of the property itself, does it mean the location is not always the biggest factor? And finally, should investors seriously consider properties like this or stay clear?”We’re unpacking each question and running through the 3 crucial filters you need to be applying to every property.This includes explaining how this property might appear to tick all the boxes, but why it’s actually scoring none!  If you are interested in investing in apartments, check out Episode 7 as well where we talked about investing in One Bedroom and Studio Apartments.We’ll also be sharing who the #1 person you must impress as a property investor is, and what shining oversize means!So strap in folks, we’re doing a deep dive into this multi-layered question!   Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away! Top 10 Suburbs in Sydney in 2003 and what happened to them in 2007?Watch Ben’s ABC News 24 – Property Bubble in Sydney and Melbourne. InterviewLooking for a Qualified Property Investment Advisor? Use the Search Function on PIPA Website here or get in touch with us!Our parent company 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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

There’s no denying that Sydney and Melbourne are in a boom right now…But what does that mean for the everyday investor?Here’s the deal: We’re exploring WHAT you should be considering if you’re thinking of jumping into these heated markets…WHY having the fundamentals of property selection is important during this time and discussing the Australian Prudential Regulation Authority’s (APRA) new changes to lending policies that seriously affect pre-approvals for investors!!In fact, we’re answering if you should even be investing at all during a boom – After all, how do you know the market hasn’t already peaked? We’ll also be sharing our strategy for dealing with booming markets! (Check out our episode on buying counter-cyclical as part of this!)And remember folks…It’s not a bubble, it’s a balloon!You heard it here first!! Now that we’ve verbally trademarked it (Yep, that’s 100% legitimate )…what do we mean?Well, you’ll have to tune in to find out!All we’re saying, for now, is that Sydney’s currently in a property balloon…Listen in now!  Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away! Watch Ben’s Commentary on RBA’s releaseShould you be a Borderless InvestorHow To Spot A Property Spruiker?Renovation does not equal RichesTop 10 Suburbs in Sydney in 2003 and what happened to them in 2007?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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Right off the bat folks, a big THANK YOU to our listeners for all the questions they’ve sent in!We’re excited to be answering a BUNCH of great questions in our FIRST-EVER Q&A session!We’ll be covering a lot of ground, from the crucial conversations you should be having before making ANY decisions to the type of research and data that’ll help you determine the best option for you.We’re also sharing our thoughts on the Government’s policies on negative and positive gearing, and explaining why removing negative gearing is actually a terrible idea!Once again thank you to all our question submitters, we’re glad that this podcast has inspired you and we had tons of fun recording this one!Listen in now folks, plenty of gold to help you make the right decisions.P.s. In the future we are hoping to answer ALL of your questions, so please keep sending them in!Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away! 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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

It’s no surprise that Ben and Bryce are huge advocates of property investing but until now, they haven’t explained WHY they love it so much! 🏘︎ Today we’re taking a walk down memory lane and discussing why and how Ben and Bryce first got into the residential property market and why they’ve continued to stay!From Ben’s early love of investing to Bryce’s captivation with Jan Somers’ back-of-napkin calculations, we’ll also hear about Ben’s “apprenticeship” years that’s made him the guru he is today!!PLUS we’ll be looking at the fundamentals you should know about investing (Including how property can be BOTH a liquid and non-liquid asset, we know it’s a bit of a head-scratcher… And applying those to Sydney and Melbourne markets today.We’re sayin’ that this time – the rising time will NOT lift all ships!In this podcast, Bryce and Ben also mentioned that based on CoreLogic’s “Pain and Gain” Report, properties held for shorter time periods are much more susceptible to lose. To read the full report, click the image to the right.Listen in now!  Free Stuff Mentioned:  Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away! CoreLogic “Pain and Gain” report. For more information on CoreLogic visit RP Data CoreLogic.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://www.moorr.com.au/     FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >>FREE BEST-SELLING BOOKS: - 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://www.moorr.com.au/ FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube