The Property Files

Our season concludes with Aífe and Trent chatting about the hot topic of the moment: housing affordability. In this episode, they explore the emotional and political dimensions of this pressing issue. They also cover the varying perceptions of what affordability means to different people in today's market, from the challenges of home ownership to the complexities of the rental crisis. Tune in for a deep dive into the factors influencing housing affordability and the broader implications for the future of property ownership in Australia.

This week's episode of 'The Property Files' has a Victorian theme with Aífe and Trent discussing the intricacies of the Victorian Homebuyer Fund. They explore how this initiative by the Victorian government allows homebuyers to secure up to 25% of their property's purchase price in exchange for a shared equity stake. The discussion highlights benefits, especially for those on tight budgets or looking to enter competitive property markets. They also dissect the program's conditions, including income caps, residency requirements, and obligations such as property maintenance and annual reviews. The scheme isn't readily discussed through mortgage brokers so Aífe and Trent critically examine options available for you to take part. Listen in to learn how government support is available to help you achieve homeownership goals.

It's another special episode for our listeners today! Aífe Raveche interviews the podcast's new co-host Trent Alexander. Trent takes listeners on a captivating journey through his career in real estate. From his early days working in the new homes market to his decision to start his own business, Trent shares personal insights and professional growth. Join us as we explore Trent's unique perspective on the industry and his vision for the future of real estate.

The catch phrase is "Location, location, location!" but is this necessarily true? In Episode 10 of 'The Property Files', hosts Aífe and Trent discuss whether location carries 80% of the weight in property investment. They unpack the myths and realities surrounding the significance of location vs. asset selection in property purchases. From cautionary tales of misaligned investments to insights on finding value beyond the traditional hotspots, this episode navigates the complexities of real estate strategy.

Episode 9 dives into the debate of "Time in the Market vs. Timing the Market" in the world of real estate investment. Aífe and Trent unravel the complexities and nuances behind these strategies, offering insights that cater to both seasoned investors and first-time buyers. Discover why longevity in property investment often outweighs attempts to predict market movements, and gain practical advice on navigating market cycles for long-term success.

In this episode of 'The Property Files' the team discuss the critical difference between properties with a price premium today versus those with a growth premium tomorrow. As seasoned experts in real estate and buyer's advocacy, Aífe and Trent explore why it's essential to look beyond the immediate allure of newly renovated or flashy developments and consider long-term value and potential for capital growth. Join them as they unpack real-world examples and share valuable insights that can shape your property investment strategy.

We've made it halfway through the season! Join the team on episode 7 of 'The Property Files' as they chat about the common pitfalls of renovations and knockdown-rebuild projects. From overlooking property orientation to misguided design choices, they explore real-life examples where homeowners missed the mark. Discover why respecting a property's heritage and architectural era can enhance value, and gain insights on avoiding costly mistakes that could impact your property's future investment returns.

Join Aífe and Trent in this episode of 'The Property Files' as they uncover the world of property spruikers. Unveiling the tactics and pitfalls of these operators, the team discuss how property spruikers use deceptive tactics, often promising quick riches through investment schemes that may not align with individual goals or financial realities. Discover the importance of seeking independent advice and understanding the true motivations behind property recommendations. Whether you're a seasoned investor or new to property, this episode is essential listening to protect your financial interests. Want to contact Aife? https://ravecheproperty.com.au/ Want to contact Trent? https://www.investmentsaccelerated.com.au/

In this special episode of 'The Property Files', co-host Trent Alexander interviews Aífe Raveche, diving into her background and professional journey. Aífe shares her experiences growing up in Melbourne, her initial foray into real estate in Queensland, and how her experiences led her to create her own property business. Aífe shares her path to creating 'The Property Files' podcast and her vision for the future.

In this episode of 'The Property Files', Trent and Aífe discuss the importance of tailoring property investment strategies to individual circumstances. The episode covers how to assess your financial situation, risk appetite, and long-term goals to make informed property decisions. They emphasise avoiding overstretching financially and the value of understanding different markets to maximise success and minimise risk. The conversation includes real-world insights on balancing short-term gains with long-term growth, ensuring you have practical takeaways for future property investment journeys.

We're here to discuss all things pay day! In this episode of 'The Property Files' hosts Aífe and Trent discuss the various ways property can generate income for investors and homebuyers. They break down the four primary ways property can pay you, emphasising the importance of understanding these different income streams and how they can impact your property strategy. They provide practical advice on balancing these elements to make informed decisions in the property market.

In episode 2 of 'The Property Files', co-hosts Aífe Raveche and Trent Alexander dive into the historical performance of the Australian property market since 1980. Trent, a self-proclaimed data nerd, presents long-term data from the Real Estate Institute of Australia, comparing the median house prices of Australian capital cities over several decades. They discuss the cyclical nature of property markets, debunk myths about city performance, and analyse how COVID-19 accelerated market trends. The episode provides insights into how different cities have evolved and interacted over time, offering valuable information for property investors and enthusiasts alike.

The Property Files' returns for Season 3, introducing a new co-host, Trent Alexander from Investments Accelerated. Trent shares his background as a property investment advisor with over a decade of experience helping clients understand the property market and make informed decisions. The hosts contrast their roles, with Trent focusing on strategic advice and long-term planning, while Aífe Raveche emphasises buyer advocacy and property acquisition in Victoria. They highlight the importance of understanding market nuances and how different cities have unique property trends.

In this episode of The Property Files podcast, host Aife Horsley, Director of Raveche Property, engages in a conversation with Meldon D'Cruz, the founder of Cruz Legal, a boutique law firm specializing in providing agile and innovative legal advice. The episode specifically focuses on foreign investment into established property in Australia and explores how non-Australian residents or citizens may be able to acquire property. Meldon D'Cruz and Cruz Legal have specific knowledge and experience in the legal aspects of foreign investment in Australian property. With a deep understanding of the regulations and compliance requirements, they assist non-Australian residents or citizens in navigating the complexities of acquiring established properties. Discussion Points: Foreign Investment Regulations: Aife Horsley and Meldon D'Cruz discuss the legal framework governing foreign investment in Australian property. They delve into the relevant laws, restrictions, and permissions that non-Australian residents or citizens need to be aware of when acquiring established properties. Acquisition Process for Non-Residents: The episode explores the step-by-step process for non-residents or non-citizens interested in purchasing property in Australia. Meldon D'Cruz provides practical advice on the legal documentation, procedures, and compliance requirements involved in these transactions. Challenges and Solutions: Aife and Meldon discuss the common challenges faced by non-residents during the property acquisition process. They share insights and solutions to mitigate risks and ensure a smooth transaction, addressing legal complexities and providing guidance on overcoming obstacles. Tax Implications and Financial Considerations: The episode covers the tax implications and financial considerations that non-Australian residents or citizens should be mindful of when investing in established Australian property. Meldon D'Cruz provides valuable insights into optimizing tax efficiency and managing financial obligations associated with foreign property investments. Throughout the episode, Aife Horsley and Meldon D'Cruz draw upon Cruz Legal's expertise to provide listeners with a comprehensive understanding of the legal considerations, processes, challenges, and financial implications involved in foreign investment into established property in Australia. Listeners will gain valuable insights to navigate the complexities and make informed decisions regarding property acquisition as non-Australian residents or citizens.

Sheel Capital is headed up by Finance Broker, Shubham Bhaskar - a Melbourne local with extensive banking experience. Shubham has worked with business owners for many years and has a proven track record of helping people leverage opportunities through tailored finance solutions.Exceptional communication skills underpin Shubham's commitment to serving Sheel Capital's clients. He empowers people through education and keeps them up-to-date throughout the finance process.Shubham applies data-driven expertise to the solutions he crafts for our clients, ensuring industry-leading outcomes that help people achieve tangible results. His strong commercial acumen bolsters his industry insight.

In Episode 5, Season 2 of The Property Files Podcast, we speak to Hayley Mitchell, of Mitchell PT who started in real estate in 1999, and has built an enormously successful career working in property management, including owning and running her own businesses across the span of her career. In this episode we talk about some very important changes which came into effect in 2021, and the changes which affect both renters and property owners. We talk about the mandatory disclosure forms, changes from a renters perspective, the role that VCAT plays, and we even go into what is an urgent repair and what happens when a property is sold with a current renter in place. There are many great take aways in this episode and we thank Hayley for her time. You can contact Hayley at https://mitchellpt.au/ You can visit our website at ⁠www.raveche.com.au⁠, connect with us on Instagram at ⁠@thepropertyfiles⁠ and ⁠@ravecheproperty⁠ and check out our ⁠Facebook⁠ and LinkedIn, ⁠Aífe Horsley⁠ and ⁠Raveche Property Group⁠.

In our 4th episode of season 2 we speak on the very important topic of Combustible Cladding with Owners Corporation specialist, Gregor Evans from The Knight. He joins us on The Property Files podcast to discuss the history, claims, insurance and options for the future, for this product that has caused much devastation across the globe.  Have you heard of these dangerous materials sometimes used in houses and apartments? There are so many practical considerations that go into purchasing a property. A buyer's agent can make sure you don't leave any stone unturned in the purchasing process. Understanding Cladding: the Risks and Rectification Process Cladding is the external material used on buildings for insulation and weather resistance. However, some types of cladding, known as combustible cladding, can accelerate the spread of fire. The two major types of combustible cladding found on buildings in Victoria are Aluminium Composite Panels (ACP) and Expanded Polystyrene (EPS). The installation of combustible cladding was driven by cost considerations and a misunderstanding of building codes. When a building is suspected of having combustible cladding, the owners corporation receives a show cause notice from the council, initiating the rectification process. The owners corporation engages a building surveyor or fire engineer to determine if the cladding is combustible through testing and inspection. In cases where the cladding is deemed non-combustible, the show cause notice is lifted. If it is combustible, rectification is required. The responsibility for funding cladding rectification varies depending on factors such as building age, builder availability, and government support. Owners corporations may need to raise special levies, seek loans from lenders specializing in cladding projects, or access funds from Cladding Safety Victoria. Cladding rectification involves careful planning, obtaining necessary approvals, selecting qualified contractors, temporary relocation of residents, removal of combustible cladding, installation of compliant materials, and final inspections for approval. Note: Each cladding rectification project is unique, with varying timelines and costs. Collaboration between stakeholders is crucial for a successful outcome You can visit our website at www.raveche.com.au, connect with us on Instagram at @thepropertyfiles and @ravecheproperty and check out our Facebook and LinkedIn, Aífe Horsley and Raveche Property Group.

Amber Pezzimenti and Joel Lithgow from Paragon Financial Group join The Property Files podcast this week to discuss their role as financial planners and advisors. They emphasise their focus on providing clients with guidance and direction to help them achieve their financial goals.  Property investment is an important part of their strategy for growing wealth, alongside other investment options like shares and cash. They tailor their advice to each client's individual circumstances, considering factors such as existing property ownership and risk profile.  They also highlight their accessibility to clients at all wealth levels, offering financial advice to everyone and have an inclusive approach and commitment to supporting families throughout their financial journeys.  Amber and Joel further explain their modelling and scenario planning process, breaking down the financial aspects and considerations involved in achieving clients' goals, including rental yield and growth projections. If you'd like to get in touch, reach out at ⁠https://www.paragonfg.com.au/ ⁠ You can visit our website at www.raveche.com.au, connect with us on Instagram at @thepropertyfiles and @ravecheproperty and check out our Facebook and LinkedIn, Aífe Horsley and Raveche Property Group.

https://ravecheproperty.com.au/vendor-advocacy/ Season 2, Episode 2. In this episode Director of Ravehce Property, Aífe Horsley discusses the role of a Vendor Advocate in real estate sales. The Vendor Advocate is like a matchmaker between the seller and the real estate agent, helping the seller find the best agent to sell their property. They also act as a mediator to ensure both parties are held accountable and work together to get the best outcome. Aífe shares her experience as a Vendor Advocate and highlights the emotional aspect of selling a property. She explains that having a Vendor Advocate is like having a supportive friend to guide you through the process and help you make informed decisions. She also talks about the importance of commission and how it's a necessary part of the process, but shouldn't be the main motivator for the real estate agent. A good agent will not try to double their commission to work with a Vendor Advocate. Vendor Advocacy is becoming more common in Australia as people feel overwhelmed and emotional about selling their property and need someone to support them through the process.  The podcast provides valuable insights into the role of a Vendor Advocate in the real estate industry, which may help listeners make informed decisions when selling their properties. You can visit our website at www.raveche.com.au, connect with us on Instagram at @thepropertyfiles and @ravecheproperty and check out our Facebook and LinkedIn, Aífe Horsley and Raveche Property Group.

https://ravecheproperty.com.au/ Season 2, Episode 1 - What is a Buyer’s Advocate - Aife chats with a Buying novice, Cass. In this episode Aífe Horsley, Director of Raveche Property explains the role of a Buyer's Advocate in assisting buyers to purchase and secure property. The role of the advocate is to represent clients, conduct negotiations, do due diligence on the properties and assist clients in securing the property until settlement.  We also address the concerns of buyers, including the competition in the market and the need to negotiate, price, and put together a deal that represents their interests. We also discuss the concerns of buyers when purchasing property, including FOMO and FOOP - The Fear of Overpaying! We emphasise the importance of working with a professional who has the necessary contacts, knowledge, and experience to guide buyers through the purchasing process.  The benefits of working with a buyer's advocate are also discussed, including building strong relationships with property professionals, access to off-market properties, and assistance with asset selection. The ideal time to engage a buyer's advocate is when the buyer thinks they want to buy a property.You can visit our website at www.raveche.com.au, connect with us on Instagram at @thepropertyfiles and @ravecheproperty and check out our Facebook and LinkedIn, Aífe Horsley and Raveche Property Group.