Property and Investing

EP 34:  I once thought... Is it possible to invest in property without dealing with broken air conditioners, appliances, and additional expenses? Something that is truly passive and doesn’t require someone to manage them, But still with access to the leverage of debt, compounding interest, cash flow, etc. That is when I came across REITs! Join Grant and I in this podcast as we dive deep into the topic so you can learn more about the different shapes and sizes of REITs.   Episode Highlights:00:00 Welcome to Property and Investing05:07 What is a REIT?06:42 Investing in real estate when you’re overseas09:10 REITs vs syndicates in property investing10:43 Different REIT strategies17:41 Venture capital funding and REITs20:50 Difference between REITs and companies 24:34 The biggest trade-off in buying property on your own vs REITs 30:09 What level of control do you have over REITs? If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/ Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001   Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com   DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 33:  Whether I’m scrolling past an article or overhearing it on the news, It seems like the mainstream media are constantly bombarding us with stories about the impending boom or bust of the property market. I can totally see how people can misinterpret this and become short-sighted with their perspectives on property, Fortunately, we’re here to change the conversation! Grant and I are breaking down the obsession to hit a home run over the next 12 months when in reality, property market is a long-term game. Tune in now!   Episode Highlights:00:00 Welcome to Property and Investing01:59 Playing the short-term vs long-term game in real estate03:35 The media’s influence on investing06:32 Are you in the right financial position for property investing?09:42 Weighing your investment decisions16:31 Taxes in property investing19:07 Looking into the reasons why you’re investing 24:28 Keeping track of your numbers26:27 Passing down your investments27:17 Short-term vs long-term investments: a wrap-up If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/ Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001   Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com   DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 32:  When it comes to life’s big decisions,Whether that’s moving from your hometown, deciding to start a family, buying your own home, etc… There will typically be one person in a relationship who is more enthusiastic about the new idea than the other. So, to tell you the truth…Investing in property was one of those moments for Bianca and myself. Which is why I’m walking you through how I approach it.This will ensure you don’t have to endure those awkward car drives or ruined family dinners like I did! So, let’s get down and dirty…As Grant and I talk about our experiences with getting our respective partners on board with investing! Episode Highlights:00:00 Welcome to Property and Investing02:23 Do you need to have your partner on-board if you’re a property investor?04:02 What we expected from our partners when we started property investing 10:40 How we got out partners on board with property investing 17:16 There’s always an instigator and there is some resistance 19:07 Overcoming resistance 25:19 Advantages of having supportive partners29:38 Having a joint vision 30:03 Lack of communication and how can partners support each other38:51 Personal development and money psychology 43:43 Create a safe space to have hard conversations44:48 How we’d structure our conversations on property and investing if we could do it again 51:41 Shoutout to our lovely wives, Bianca and Hazel   If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542  Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001   Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com   DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 031: I’m back in the market, hunting for opportunities again. Fortunately, it feels like everyone is avoiding the capital growth approach because they’re more concerned with protecting their cash flow. So, in true vulture nature… I’m leaning into them. In this week’s podcast episode, Grant and I are covering our latest property investment updates and the new acquisitions I’ve been busy making! Episode Highlights:00:00 Welcome to Property and Investing03:42 Grant’s recap on his property investing goal for 2023 04:28 The accumulator halted; why and what’s next for Grant?14:05 Knowing the impacts of buying a PPR as a property investor 15:12 Shifting strategies, do you know the consequences? 18:06 Environments change. Watch out! 20:50 Change of my property investing goals 25:00 I’m being too conservative now, this is what I decided on 26:44 The abundance of growth opportunities 32:41 The risk is not in the investment, it’s in the investor33:58 Opportunities in the market in a cycle 35:53 Malleability as a property investor  If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ EP 30: Debt Recycling with Aaron Whybrow: https://propertyandinvesting.com/ep-030-debt-recycling-with-aaron-whybrow/  Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001   Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com   DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 030:  As an investor, I'm sure you have heard every tip or trick to speed up the process… If you’ve been in the game for some time now,I can imagine nothing surprises you anymore… So, today I’m going to test that! 😂 With the idea of RECYCLING! What if I said that there was a way to optimise the way you use debt? Specifically non-tax-deductible debt(the debt on your principal place of residence - PPOR) Well, it’s a magical thing called Debt Recycling…If used correctly, the advantages here can be an unlocker! (I feel like a broken record… but…This is not financial advice,I don’t know your situation at all,Speak to a professional before making any decisions) What to learn more? In this week’s podcast episode, Grant and I are unlocking the secrets behind debt recycling as we speak with our resident mortgage broker, Aaron Whybrow…So that you can explore if it’s possible to legally minimise your tax and build wealth faster! We’ll be discussing:- What is debt recycling?- How effective is it?- Who should and shouldn’t be using it- As well as how it affects trust and more! PS: So, have you heard of this before? If so, have you actually used it to your benefit?   Episode Highlights: 00:00 Welcome to Property and Investing 03:28 Is it a busy time for Aaron?  04:41 What is debt recycling? 09:10 Is debt recycling cross-collateralising assets?  11:06 How effective is using debt that is non-tax deductible as a strategy? 13:12 Can you leverage debt recycling to buy a PPR? 15:23 Who shouldn’t use debt recycling?  20:30 Is it possible to make a heap of tax-deductible debt non-tax deductible? 25:53 Better strategies to buy a PPR instead of debt recycling  29:58 Holding on to assets isn’t always beneficial  31:45 Impacts of debt recycling on investments that are in trusts    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ If you want to find out more about our guest, Aaron Whybrow, head over to: https://propertyandinvesting.com/partners/    About the Guest:  Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business. Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704. He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.   Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 29:  If you’ve been keeping up with the latest property news,It’ll be no surprise that prices have increased again this month despite consecutive rate rises. So, if interest rates aren’t pushing buyers out of the market,What is actually driving these changes? Well… In this week's podcast episode, Grant and I are joined by Goose McGrath as we dive into what's really been happening in the Australian property market. Tune in now to discover what's latest in the property market! Episode Highlights:00:00 Welcome to Property and Investing02:50 Why are property prices increasing despite the consecutive rate rises?10:39 What drives changes in the property market?17:02 Median income vs median house price 24:08 The impact of the population on the property market27:52 What happened to the Australian property market during the pandemic 31:40 Interest rates and the future of the Australian property market37:51 Building and growing your property portfolio If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ Business & Investing partners: https://businessandinvesting.com/partners/ ○ Check out Goose's podcast at The Investor Lab: https://theinvestorlab.com.au/ ○ Want to start investing in property? Book a discovery call with Dashdot: https://dashdot.com.au/discovery/ About the Guest: Goose McGrath is the CEO of Dashdot, a property investment firm helping business owners build prolific, profitable property portfolios. They specialise in sourcing properties that are under market value, cashflow positive and have strong growth and value add potential. Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001   Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com   DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 028: In property, it’s always been the simple, "Long-term strategies that have made the most millionaires…" Therefore, having the right mindset to get you through the whole journey could make all the difference! And we’re here to set the record straight. In this week’s podcast episode, Grant and I are revealing why most property investors fail and how you can avoid these same mistakes! PS: Were you risk-averse like me? Or were you too fearless for your own good? Leave a comment or send us an email.  Episode Highlights:00:00 Welcome to Property and Investing04:14 Understanding money psychology12:02 Building the identity of a property investor14:03 Unpacking our personal experiences with psychology in property investing20:00 Sometimes, you are the problem26:05 How do mentoring and modelling help you?35:38 Needing to be right vs needing to be rich37:00 Tips to become a successful property investor If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ Master Mind and Money by MJB Seminars: https://mastermindandmoney.com.au/  ○ Ultimate Wealth Mastery Library: Key Strategies for Financial Mastery by Dr. John Demartini: https://www.amazon.com/Martinis-Ultimate-Wealth-Mastery-Library/dp/B091D8W3KQ ○ Unhindered: The Seven Essential Practices for Overcoming Insecurity by Jaemin Frazer: https://www.amazon.com/Unhindered-Essential-Practices-Overcoming-Insecurity/dp/0648894207 ○ Awaken the Giant Within by Tony Robbins: https://www.amazon.com/Awaken-Giant-Within-Immediate-Emotional/dp/0671791540 ○ Unlimited Dr Joe Dispenza: https://drjoedispenza.com/  Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 027: In this week’s podcast episode, Grant and I are preparing for the 2023 property tax season! We’re here to help you avoid unwanted mistakes and maximise your tax minimisations. We’ll be discussing: - How to find a good accountant - Why you need to be across your books - As well as land tax, structures and more! P.S. How have you prepared for EOFY? You know I love property, so I’m super curious to hear how you are approaching tax. Let us know.    Episode Highlights: 00:00 Welcome to Property and Investing 02:44 Not thinking about property investments as a business 04:27 Strong numbers and data 05:12 Opportunities and benefits of knowing your numbers 06:34 Negative gearing isn't the only strategy to win the tax game 09:19 Tax loss harvesting 14:08 When to speak to your tax accountant 15:36 Forecasting your payable tax for the year 16:52 Going through what my plan and strategy is for the next year 19:05 Best question to ask your mortgage broker and accountant 19:49 Is it time to look for another accountant as a property investor? 22:22 Land tax and changes to structures  24:14 Importance of structures and setup from a tax perspective 31:00 Why it's more beneficial to have an accountant that's a property investor 31:27 Parking your cash in different offsets 33:42 Property investors need to be across their books and ready for tax season   If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/    Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 026: I’m sorry to break it to you but… Equity isn’t what you think it is. In this week's podcast episode, Grant and I are uncovering the dark side of equity that you didn’t know as well as how you can use it to your advantage without eroding your cash flow or taking on unnecessary risk. We’ll be discussing: - Why you shouldn’t be stripping out equity - How we’re improving our cash flow positions - As well as time in the market, deposits and more! P.S. Send through the misconceptions you had but then later learnt weren’t serving your best interests! I’d love to hear them and potentially discuss them in a future episode!   Episode Highlights: 00:00 Welcome to Property and Investing 02:31 Will we invest in a business that grows through leveraging debt? 06:25 What is equity?  08:19 Why is equity so attractive?  10:17 Improving cash flow and getting into a negative cash flow cycle 14:29 Finding the balance and art in using equity 15:04 Using cash deposits for property purchases 19:00 Putting efforts in the right direction as a property investor  25:07 Time is the only lever that you have  27:02 Buying a commercial property using equity  30:04 Risks of not being able to contribute income to your property investments  30:14 Stripping out equity is not the best strategy for property investing    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/    Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 025: In this week’s podcast episode, Grant and I are back with our May 2023 property round up! To keep you up to date on the market, we've compiled everything that has happened in property since last month's episode. We’ll be discussing: - The effects of interest rates - Psychology and human behaviour - The CoreLogic property report for May - As well as inflation, our forecasts and more! P.S. What are your predictions for the next RBA meeting?   Episode Highlights: 00:00 Welcome to Property and Investing 01:54 RBA surprise increase 04:39 Knock-on effects of rate increases  05:58 Psychology and human behavior during rate increases vice versa  11:29 Why does real estate work? Supply and demand 18:32 The biggest proprietor of inflation  20:44 Revenue government gets from property  23:35 Will interest rates go up next month?   31:32 What are we forecasting now with our properties?  33:25 CoreLogic report for May   40:02 The inefficiencies in property everywhere 42:02 Rents are up, supplies are getting worse  45:15 Our outlook on property overall  47:43 Mortgage prison 52:04 How long before anything breaks If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ RBA Rate Tracker https://www2.asx.com.au/markets/trade-our-derivatives-market/futures-market/rba-rate-tracker    Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 024: Interest rates have risen so much since then that properties that were once positively geared when purchased are now falling (or have fallen) into negatively geared positions. Nowadays, investors are defending their cash flow by saving on groceries and other essentials. So, in our current environment, is it still possible to find cash flow positive properties? In this week’s podcast episode, Grant and I are answering that and all of your Q&A submissions! PS: Post a comment or send us an email with the questions you may have about property investing, and I’ll make sure that we get to them in a future episode. Episode Highlights:00:00 Welcome to Property and Investing04:03 Is it possible to find positive cash flow properties nowadays?07:37 What to consider when finding positive cash flow properties13:16 Finding ways to transform negative cash flow18:30 How do you approach inspecting and buying properties in other states?22:40 The role of buyer’s agents in property investing25:47 Different aspects of property inspection29:03 Buying a property in another state If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/ Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 023: In this week’s podcast episode, we’ll be covering everything you need to know when you’re considering to buy a home.  Together with Aaron Whybrow and Karina Fox of Diagnostics and Finance, we’ll be discussing: - The limitations of rent-vesting- Considerations before buying a PPR- As well as equity, borrowing capacity and more! PS: Share with us your experiences! Have you bought the big PPR or are you still rent-vesting? I’d love to hear some real world experiences around this topic!   Episode Highlights: 00:00 Welcome to Property and Investing 03:36 When is the right time to buy your PPR? 10:22 Other considerations to get you buying a PPR 15:01 Karina’s rental experience and professional house sitting 18:42 Limitations of rentvesting 19:48 Is being a rentvestor still viable in Australia? 24:30 The borrowing power of a rentvestor and the owner occupier advantage 26:42 What's too much house? 34:32 Using equity or selling an investment property to purchase a PPR    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ If you want to find out more about our guests, Aaron Whybrow and Karina Fox head over to: https://propertyandinvesting.com/partners/    About the Guest:  Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business. Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704. He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients. Karina Fox has extensive experience in Finance, Mortgage Broking and HR. She prides herself in taking the time to understand her clients dreams and aspirations, focuses on educating her clients to assist them in making the best financial decisions, which ultimately yield the results that align with their goals. With a passion for first time property buyers, first time investors, those looking for SMSF and women on their finance journey, Karina understands the power of assisting her clients in making educated decisions. As an Aerial Yoga instructor, Karina’s approach to finance is “flexibility”. She acknowledges that “not everyone’s story fits into a box”, and it is this attitude that make her stand out. When she is not practicing Aerial Yoga, she values time spent with her family and partner, enjoying nature and volunteering for RizeUp – an organisation that helps families impacted by domestic violence. To connect with Aaron Whybrow and Karina Fox, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/    Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 022: Recently, I’ve been thinking a lot about inflation. Whether I go grocery shopping or to a restaurant, it’s hard not to notice the incredible difference in the prices compared to just a couple of years ago... Luckily for you, in this week’s podcast episode, Grant and I will be talking more about this and breaking down everything that has to do with inflation! P.S. Share your experiences with inflation by posting a comment, and tell us how you’re considering using it to your advantage! Episode Highlights:00:00 Welcome to Property and Investing02:32 Average inflation rate in Australia05:05 The rising cost of goods and services13:21 Will the inflation rate continue?23:34 How will inflation affect our investment decisions?26:55 Investing in real estate amidst inflation 29:20 Buying properties and debt If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ Listen to our Business and Investing podcast here! https://businessandinvesting.com/podcast/ ○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542  Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 021: In this current market climate, with interest rates increasing every month… The banks are becoming more and more scrutinising in their lending criteria. How do we play the bank’s game, While ensuring we can continue borrowing? Well… In this week’s podcast episode, Grant and I will be breaking down exactly this! We’ll be inviting our mortgage broker Aaron back for another chat, this time to discuss everything you need to know about borrowing capacity, so you can play the forever game in property investing! PS: Let me know your experiences with lending during this market environment!   Episode Highlights: 00:00 Welcome to Property and Investing 02:46 Problems with borrowing money  03:29 Borrowing for building a property portfolio 07:29 Extracting equity and cross-collateralised loans 14:10 When equity becomes a trap in itself  15:06 Understanding the variability of your income  16:02 Different ways you can get stuck with borrowing  18:02 Unpacking the trap of wrong lenders at the wrong time 24:07 Have banks become more scrutinous over time?  32:00 Increasing income and deposits increases borrowing power  35:15 Borrowing capacity equals purchase price  37:27 Negatively geared properties vs. positively geared properties   39:16 Who wins the game of property investing?  45:30 Time heals all borrowing capacity issues 46:15 Is speed a factor for borrowing capacity?  If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ If you want to find out more about our guest, Aaron Whybrow head over to: https://propertyandinvesting.com/partners/    About the Guest:  Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business. Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704. He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients. To connect with Aaron and his team of mortgage professionals, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/   Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 020: This recent April CoreLogic report was an incredibly interesting insight into how the economy is reacting to inflation and the effect of rate rises. What does that mean for Australian property prices? Well, luckily for you… In this week’s podcast episode, Grant and I are breaking down exactly that for our April 2023 Property Round-Up! Hit that play button now! Episode Highlights: 00:00 Welcome to Property and Investing02:59 What we think about the rate pause 07:19 Will the rates’ trend change this year?11:04 Looking into the CoreLogic report13:40 Renting vs buying a property with the current rates24:51 Australia’s rental crisis 35:53 Charley’s possible solution to the housing crisis37:54 Adjusting your expectations  If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/ Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 019: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions so that we can help you overcome the obstacles in your way! We’ll be discussing:- Our “why” that inspired action- Volatile incomes while investing- As well as the importance of education, side events, and more! PS: Did we miss some of your questions? Make sure to leave a comment or send us an email! We’ll make sure that we get to them in a future episode! Episode Highlights:00:00 Welcome to Property and Investing02:48 What did Grant put in place to get started with property investing?05:55 The “why” that inspires action15:30 Having a volatile income when investing17:16 Education and side events 22:17 What is the role of property mentors?27:37 Final points to remember If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ Listen to our other podcast here! https://businessandinvesting.com/podcast/ ○ Rich Dad Poor Dad by Robert T. Kiyosaki: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194 ○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542 ○ The Property Couch Podcast: https://thepropertycouch.com.au/  Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 018: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions! We’ll be discussing: - Interest rate rises- Engaging a buyer’s agent- As well as equity, accumulation and more! P.S. Send us any of the questions we’ve missed! I’ll make sure that we get to them in a future episode. Episode Highlights: 00:00 Welcome to Property and Investing02:44 Why don’t we share the locations of properties we buy? 05:58 Engaging a buyer’s agent and key learnings I’ve gained09:56 How are you handling rate raises? 25:06 Pulling out equity from your portfolio as a deposit during accumulation phase32:49 When can we justify pulling equity out of a property?  If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!    Resources:  ○ Property and Investing website: https://propertyandinvesting.com/    Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 017: How am I going to increase or maintain my borrowing capacity to continue building my portfolio? Well… luckily for you… In this week’s podcast episode, Grant and I discuss the answers I received and more! We’ll be breaking down the unexpected challenges involved in property investing, so that you don’t have to learn the hard way! We’ll be discussing: Passive property investing - Buying property in different states As well as cash requirements, borrowing capacity and more! P.S. Send us your questions! Whether you’re wondering about what we do day to day as property investors, or something else… We’ll make sure we get to them in a future episode!   Episode Highlights: 00:00 Welcome to Property and Investing 03:27 Buying in a different state  04:14 Property investing is not all “passive”  11:11 Cash requirements  13:03 Continuous income for borrowing capacity  20:06 Keeping going after beatdowns 27:19 Property investing is fast but slow  If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!   Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI   Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 016: In this week’s podcast episode, Grant and I address the most unexpected challenges we have faced in property investing... So that you can avoid these hurdles and reach your desired outcome through property! We’ll be discussing:- Our own biases- Policies changes- As well as Banks, Debt, and more! PS: Post a comment or send us an email to share some of your most unexpected challenges and how you overcame them!! 🥳 Episode Highlights:00:00 Welcome to Property and Investing01:12 Facing unexpected challenges05:28 Why Grant almost took an exit in property investing13:13 Handling debt when investing in properties19:50 Banks aren’t as organised as you think they are28:51 Lending policy changes 30:17 Dealing with our own biases If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!  Resources: ○ Property and Investing website: https://propertyandinvesting.com/○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542 Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001  Connect with Property and Investing: ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com  DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.

EP 015: In this week’s podcast episode, Grant and I will be recording our March 2023 Property Round Up,So that you can stay up to date with the property market to make more informed decisions! Episode Highlights: 0:00 Introduction03:33 CoreLogic report05:04 Opinions on the unit market10:45 Supply risk in the CBD areas16:10 The land tax consideration17:30 What if there was an oversupply of houses?23:05 The imbalance of the housing supply and demand24:40 Dwelling approvals fell by 27%32:20 Legislation is the biggest property market risk34:22 Building a new city35:33 RBA raises rates by 0.25%36:29 Economists have signaled that rates have gone too far38:49 Mortgage differences in AU and USA40:11 Impacts of rate rises for millennials vs. boomers   Resources:  ○ Property and Investing website: https://propertyandinvesting.com/  ○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI   Subscribe:  ○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g  ○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001    Connect with Property and Investing:  ○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting  ○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom  ○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/ ○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting ○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com    DISCLAIMER: All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.Support the show: https://linktr.ee/propertyandinvestingSee omnystudio.com/listener for privacy information.