Ep #234 – Unveiling the Secrets of Elite Strategic Mortgage Brokers – Navigating Advice, Skills, Results, Relationships & Regulations!

1. Dave reveals there’s so much more to effective mortgage broking than just numbers and loan products. Tune in to find out the critical soft skills that should be in every broker’s toolbox.  
2. Did you know the most successful professional advisors ask seven times more questions than the average advisor? 
3. Why is mortgage strategy so much more important than the rate? Tune in to find out! 
4. The Trio also discuss the technical skills required to be a Strategic Mortgage Broker – from credit policy to number crunching, products, the lending market, government assistance, property market knowledge, economy, and regulations. 
5. Mike challenges Dave about the Royal Commission and the change in legislation for Responsible Lending.  
6. Dave sets the record straight and shares some interesting stats too.  
7. Cate and Dave discuss broker commissions and the practical reasons why Strategic Mortgage Brokers maintain good, ongoing relationships with their clients. 
8. Dave and Mike discuss the processes required to mitigate consumer risk when it comes to deposits and settlements.  
9. Deadlines and clauses govern many tasks, and attention to detail is critical. Dave shares some worst-case scenarios. 
10. Learn why relationship building is vital and the relationships you need to cultivate to become a successful strategic mortgage broker. 

Ep 234 Show Notes

Ep #233 – Becoming a Buyer’s Advocate – Uncovering Diverse Pathways to Buyer’s Agency, Extra Skills to Gain an Edge & On-the-Job Training

1. Cate shares her candid journey into the realm of Buyer’s Advocacy and the Trio explore the burning questions:  

• • Is a university degree essential, or just important? 
  • What past experiences can help you thrive as a Buyer’s Advocate?  
  • The importance of analytical skills, soft skills, and diverse backgrounds. 

1. But that’s not all! We also discuss the challenges of adapting to the life of a BA, including long hours, liability, tight deadlines, and the pressure of negotiations.  
2. It’s nowhere near as glamorous as it seems. 
3. And for those aspiring BAs, we’ve got you covered!  
4. Dave poses the pertinent question, “What extra skills can give BAs an edge?” Tune in to discover the answers! 

Ep 233 Show Notes

Ep #232 – Perth Property Gold Rush – Analysing Western Australia’s Property Investment Surge & Future Risks

1. Mike unveils groundbreaking industry data that showcases Perth’s remarkable growth as an investment hotspot and we dive into what’s driving this exciting market and what it means for investors considering Perth as their next move. 
2. Dave takes us on a tour of this vibrant city’s impressive recent performance, with houses doing the heavy lifting, topping the nation with a 9.1% YoY growth rate. 
3. Discover the impact of WA’s revenue sources, with around two-thirds coming from direct State channels, which sets Western Australia apart from other states in terms of Commonwealth funding. 
4. The data reveals the significant shift in investor activity, with WA moving from the 4th most popular state for investors to the 2nd spot within just 12 months. 
5. With WA accounting for half of the nation’s exports, understanding these driving factors is essential for anyone interested in the property market. 
6. The Trio also examine the 14-year period from 2007 to 2020 when the Perth property market remained relatively flat, despite population growth, a valuable lesson in the nuances of the real estate market! 
7. Finally, we share our outlook on the future and discuss the potential risks of investing in Perth, particularly in relation to its strong ties to the mining industry. 

Ep 232 Show Notes

Ep #231 – Market Update October 2023

1. Perth takes the lead in the home value index results as investor fever takes hold.  
2. The mid-sized capitals of Brisbane, Adelaide and Perth are the real stars, are they thriving because they are more affordable? 
3. We delve into the impact on the regions from city returns by tree-changers and sea-changers. 
4. The re-emergence of foreign buyers, especially Chinese, and changes other countries have undertaken to protect price appreciation from overseas buyers. 
5. The Trio discuss how record levels of immigration is driving price growth and inflation 
6. Rental vacancy rates remain at record lows, but is there relief on the horizon for renters? The Trio analyse the stats and potential solutions. 
7. Listings are on the rise nationally, what’s driving this surge, is it becoming a buyer’s market and how resilient are prices?  
8. Plus, the truth about distressed sales. 
9. And, is the era of “mortgage wars” among the lenders coming to an end?  

Ep 231 Show Notes

Ep #230 – Equity Unleashed: Property Planning & Borrowing for Renovations & Wealth Creation

1. When and how can you access equity (LVR rate, process, and types of loans)?
2. In the accumulation phase, what’s the best practice advice for considering equity access (e.g., ASAP or at 65% LVR)?
3. The pros and cons of creating equity through upgrades to your primary residence vs. investing in additional properties.
4. “Cash-Out” loans – what you need to know.
5. Mortgage insurance and new loan products – Cate and Dave share their insights.
6. The mechanics of accessing equity, process steps, and timeframes.
7. As-if complete valuations – a valuable tip from Dave and Mike.
8. The investment vs. lifestyle conundrum – what questions to consider.
9. Cash-outs vs. progressive drawdowns – Dave walks you through the options.

Ep 230 Show Notes

Ep #229 – All Things Apartment & Units Part 2 – Secrets to Selection Success, Finding Capital Growth, Land to Asset Ratios & Other Expert Tips

1. Quirky Title Types: From Art Deco era surprises to why you should be cautious with deposit funds less than 40%.
2. Converting Stratum and Company Share to Strata: It’s not as simple as you might think.
3. Lender Restrictions for Apartments: Explore the challenges and solutions.
4. Beware of Strata Fees: The essential info for off-the-plan buyers.
5. High Density Woes: Cladding issues, Airbnb concerns, and more.
6. Boutique Blocks: The pros and cons of these unique gems.
7. Pet Owners in Apartments: What to do when pets aren’t allowed.

Ep 229 Show Notes

Ep #228: All Things Apartments & Units Part 1 – From Boutique to High-Rise, Uncovering Opportunity, Oversupply & Lender Restrictions

1. Dave kicks things off by defining where apartments fit within the unit subset and shares his favoured types of apartments. 
2. What are his criteria for identifying high-scoring gems? Think highly sought-after, great allure, attractive land-to-asset ratio, and unbeatable locations! 
3. But that’s not all! Dave then delves into the historical capital growth performance of apartments versus houses, sharing some startling facts. 
4. Cate discusses the reasons behind this relative underperformance and the mistakes that some investors have made in the past. 
5. Will older style apartments make a comeback? The Trio explores the concept of the ‘apartment renaissance,’ especially in the context of an aging population. 
6. Mike uncovers the changing trends in investor preferences, highlighting factors such as the pandemic, building defects, and investor education. 
7. The Trio also highlights positive changes they’ve observed in recent developments and designs. 
8. Mike treats listeners to a chapter on the Rental Loss Index and their subsequent study, delving into the issues of oversupply and high vacancy rates, providing powerful insights for investors. 

Ep 228 Show Notes

Ep #227: Market Update September 2023

1. The September data throws us a few mixed bag items! Dave shares his takeaway: listing levels and an interesting correlation.
2. Is there a sweet spot ratio when it comes to listing volumes and price movement? Mike ponders… tune in to find out.
3. What’s happening with rents? And why is the pace of growth easing in so many cities? 
4. Consumer sentiment; as Mike says “there’s green shoots!”
5. Mike and Dave debate the impact of rates on hold, and Dave points out that the mix of owner occupiers to investors remains quite the same as recent historical levels. 
6. Dave and Cate pick out some of their most noteworthy segments from the September data… Listen in to hear what each spotted. 

Ep 227 Show Notes

Ep #226: Property Planning to Unlock Financial Security: Hold or Sell Decisions Through Rising Holding Costs & Modelling for Retirement Success

1. We tackle a question from our listener, Alison. She’s at a crossroads with her property investments and wants to know whether to keep or sell her four-bedroom townhouse.
2. Alison’s story: She moved back to her beloved beachside in Melbourne, renting out her townhouse. Now, she’s unsure about her next steps, given changing property laws and interest rates.
3. Our expert, Dave, crunches the numbers and shares projections that highlight the power of long-term property investment.
4. We also discuss rental returns, taxes, and the importance of cash flow. Plus, insights on capital growth assets and rental growth.

Ep 226 Show Notes

Ep #225: Navigating the Fixed Rate Mortgage Cliff – Is It Real or Hype? Data Behind Headlines, Property Market Repercussions & Managing Risk

1. Dave kicks us off by questioning the role fear plays in shaping our perception—remember the Y2K bug? 
2. Mike dives into the numbers, challenging headlines that scream “Millions on Mortgage Cliff.” Plus, he reveals some hard-hitting stats and academic insights that could redefine how we see loan arrears. 
3. Cate and Dave discuss the impact of regulatory changes and give us a global perspective on past lending practices.  
4. But that’s not all—Dave opens the lid on the surge in refinancing activity, up a staggering 21% in the last year! 
5. The Trio explore the complexities facing first-time homebuyers and shed light on ASIC’s role in the ever-evolving landscape. 

Ep 225 Show Notes

Ep #224: Breaking Into Buyer’s Agency (and Other Advisory Roles) – How to Start, Survive, and Thrive

1. Cate demystifies how to get qualified in Victoria as a Buyer’s Agent. But whether it’s real estate or another advisory role, she emphasises the importance of proper training and mentorship. 
2. What sets a great advisor apart? Our expert panel agree it’s a cocktail of dedication, mentorship, and technical know-how. 
3. The Trio unpack the barriers you might face in advisory roles—from business challenges to salary woes and those relentless hours. 
4. Dave, who has his own share of Buyer’s Agency wisdom, pinpoints five key attributes for success. 
5. Ever pondered the risks and liabilities of giving advice? Cate breaks down what ‘Caveat Emptor’ means in the context of buyer’s agency. 
6. A Day in the life of a Buyer’s Agent. Spoiler! It’s not all about schmoozing and handshakes. 
7. Last but not least, Cate shares priceless advice for those thinking about stepping into this career, plus some common pitfalls to avoid. 

Ep 224 Show Notes

Ep #223: Market Update Aug 2023 – Listings Jump, Who Said Interest Rate Hikes Equal Property Declines, Capital-Regional Divide & Bad ‘Debt’ Rising

1. Cate dishes on the August home value index stats, revealing a resilient Aussie property market, while Dave examines Sydney and Hobart. 
2. Dave puts the growing gap between capitals and regions under the magnifying glass. 
3. Melbourne’s rent game is hot! Why? And what’s the story with Perth rentals also bucking the trend, when all the other cities are slowing down? We’ve got theories.  
4. The trio talk slim vacancies. Spoiler: They’re not budging. 
5. Dave shares some key data that suggests 2023 property values will end up in positive territory, despite the fastest interest rate hike in history. Who said prices always fall when interest rates rise? The Trio dissect why the property market is driven by more than just interest rates. 
6. Cate says listing numbers are spiking and the Trio muse if this is a forebearer for what’s to come in Spring. 
7. The Trio debates the real vs perceived mortgage cliff effects. 
8. Dave reports record refinances but stagnant construction. Plus, a financial tip you can’t ignore. 

Ep 223 Show Notes

Ep #222: Futureproofing Your Home & Investment Portfolio – Mortgage Mastery & Property Planning Problem Solving

1. The trio sink their teeth into two questions from our listeners! 
2. Nick and his wife have their principal place of residence mortgage fully offset (awesome, right?) AND plan to keep their current home as a future investment property when they upgrade.  
3. Sounds simple? Think again! 
4. The Trio dissect Nick’s complex situation, which includes: money from parents parked in the offset (that could vanish at any moment!), mortgage strategies to maximise tax deductions, where to buy and when.  
5. Our second listener question from Jess is equally as troublesome.  
6. Already an owner of 3 properties, Jess and her family want to move into one, which is currently tagged as an investment, and renovate it to the tune of $150K to suit their lifestyle needs.  
7. The burning question: Can this happen without selling one of their properties? Or is the call for a better lifestyle too strong to resist? AND, if a sale is on the horizon, which property will get the ax? 
8. These scenarios are more common than you think and, boy, do we get into the nitty-gritty! 

Ep 222 Show Notes

Ep #221: Analysing Market Mindset – Gun-Shy Buyers, Developer Exits, Houses vs Units & Investor Concerns

1. The Property Trio podcast is back with Dave, Cate, and Mike to unpack the latest Australian Property Investor magazine’s sentiment survey.
2. Houses vs Units: What’s closing the performance gap?  
3. Why Houses Still Rule: The cultural and financial reasons  
4. Developer Dilemmas: Rising costs and their impact  
5. Transaction Trends: Who’s buying, who’s not, and why?  
6. Interest Rates: How are they affecting buyer motivations?  
7. RBA Ratings: Public opinion on Reserve Bank performance  
8. The Rent Situation: What do rising rents mean for you? 

Ep 221 Show Notes

Ep #220: Decoding the Data Behind RBA Decisions – Property Market Impacts and the Puzzle of Rising Property Values

1. Cate is thrilled to be your host once again and gives a huge shoutout to Dave for tackling these complex topics so brilliantly. Making the complicated simple is no small feat!
2. So, what are the key data points that the Reserve Bank looks at when deciding to make rate adjustments? 
3. From ‘you only live once’ YOLO spending culture, unemployment, wage growth, productivity, and global economic influences, we cover it all in this jam-packed episode! 
4. And why are property prices still rising despite economic headwinds? Dave shares nine reasons that have contributed to the resilience of our property markets. 
5. What could make property prices climb again after they plateau as the current trend seems to be suggesting will happen?  We all weigh in on this intriguing topic. 

Ep 220 Show Notes

Ep #219: The Role of the Reserve Bank of Australia (RBA), Why they Target Interest Rates & Why we Need Inflation, Just not too much!

1. Dave breaks down the RBA’s mandates: Stabilising the AU currency, maintaining full employment and ensuring economic prosperity for all Australians. 
2. Why is inflation essential, and what are its benefits? 
3. The trio unpacks the logic behind the RBA’s 2-3% inflation target. What led the RBA to this figure, and how does it positively impact the economy? All is revealed!
4. Dave sheds light on the reasons for the RBA adjusting the cash rate to tackle the inflation conundrum. Listen to discover the additional measures the RBA has in their monetary policy toolbox.
5. Mike demystifies Quantitative Easing (QE), AKA money printing, outlining its drivers, purpose, outcomes, and even some unintended consequences. 
6. And what of the outcomes of raising rates to reduce inflation? Tune in to find out! 

Ep 219 Show Notes

Ep #218: Market Update July 2023 – Rental growth slows, will rent freezes fan the flames, exploring the office exodus & capitals thrive as regionals dive

1. Cate sparks a discussion on the thriving capital cities versus their regional counterparts.  
2. Dave casts the spotlight on Brisbane, Adelaide, Perth, and Sydney’s stunning value growth, while also revealing that despite the upturn, some major capitals still haven’t reached their last peak. 
3. Mike steers the conversation toward Perth’s intriguing outperformance. The growth and yield combo earns Perth a spot in the ‘watch this space’ category. 
4. The Trio anticipate the Spring market and ponder improved buying conditions, highlighting October/November as prime buying months.
5. Dave dissects rental increases as the pace of growth eases, urging caution to state governments against rent freezes.  
6. A revelation emerges as Cate presents an Office Vacancy chart showing office vacancies sitting at approx. 13%, shedding light on residential vs. office vacancy dynamics. 
7. But that’s not all, folks! The Trio unpack the latest consumer sentiment data that’s got us all scratching our heads. 

Ep 218 Show Notes

Ep #217: The Inflation Conundrum: Unravelling its Causes and Consequences

1. The trio delves into the concept of inflation, shedding light on its impact and the terms frequently heard in the news.
2. Dave explains how wages growth plays a significant role in the picture, and the Reserve Bank of Australia (RBA) aims to engineer wages growth to surpass economic growth (inflation). 
3. There are several factors contributing to inflation, and these are the four key ways observed in current times, which the trio unpack
4. How does inflation impact the economy and individuals?

Ep 217 Show Notes

Ep #216: Valuing Uniqueness – Appraising Properties with Special Features or Drawbacks

1. Have you ever wondered how to determine the right premium or discount when something noteworthy impacts a property positively or negatively?
2. First up, we dive into the positive attributes that can enhance property value.
3. Next, we unravel the detractors that can lead to discounting
4. The Trio also discuss the lending challenges that buyers may face with these negative attributes, such as tight internal floor areas and tricky planning zones.
5. Mike shares different methods of property valuation, from recent comparable sales analyses to the summation method, while Cate emphasises the importance of comparing apples with apples when evaluating attributes. 
6. Last but not least, Cate shares how buyers should approach compromised properties and warns about the risks of selecting bad quality off-markets. Pete’s famous bad bag of apples quote couldn’t be more relevant!

Ep 216 Show Notes

Ep #215: Property Puzzle: Piecing Together Your Next Purchase Strategy

1. We tackle a fascinating challenge sent in by one of our listeners – Amelie*.
2. A dynamic individual in her mid-twenties, Amelie co-owns a property in Sydney’s west with her brother and is now eager to buy her second property.
3. However, her brother’s differing opinions have left her questioning her original plans. 
4. Amelie seeks guidance on various aspects, including choosing between units and houses, market timing, first homeowner grants, exploring other cities, and the complexities of co-ownership. 
5. Join us as our seasoned Trio – Dave, Cate, and Mike – offer their expert insights to help Amelie navigate this property puzzle and shape her next purchase strategy

Ep 215 Show Notes

Ep #214: Market Update June 2023 – Why Melbourne is getting interstate attention, how consumer sentiment is still not tamed by interest rate increases, and will interest rates peak soon?

1. Discover how the strength of the Sydney market is propelling national growth, as the Trio delve into the latest data. 
2. Dave sheds light on the unexpected twist of capital cities outperforming regional areas. Explore the factors contributing to the overall slowdown in growth. 
3. Cate shares intriguing insights into the widening gap between Sydney and Melbourne, with Sydneysiders increasingly eyeing the Melbourne market. 
4. Plus, a surprising revelation about boutique units in Melbourne experiencing long-awaited capital growth. 
5. Find out why Hobart and Canberra stand out with strong listing activity and explore the supply-demand dynamics shaping their growth data. 
6. Get the inside scoop from Dave and Cate on distressed listings, debunking media claims and highlighting the increasing buyer demand for older listings. 
7. Discover the nuances of vacancy rate data as the Trio discuss its reliability and the ongoing rental challenges faced in markets like Melbourne. 
8. The Trio dissects the puzzling Westpac Consumer Sentiment data and its implications for the property market. Gain insights into the public’s optimistic outlook and its effects on inflation. 
9. Don’t miss Dave’s intriguing data on purchase activity that will leave you surprised and wanting more! 

Ep 214 Show Notes

Ep #213: Exploring How Government Policy Shapes Investor Behaviour – Decoding the Queensland Land Tax Ripple Effects

1. The trio dive into the fascinating world of investor behaviors during the proposed changes to Queensland land tax in 2022.
2. They explore the intriguing data that sheds light on the impact of legislation on investor attitudes and the rental market.
3. Mike delves into the data, highlighting the significant segments captured: pre, during, and post the land tax legislation and eventual repeal.
4. Cate raises intriguing questions about other variables that might have affected the data, such as interest rate increases and COVID lockdowns.
5. Dave probes further, inquiring about the legislation’s impact on the rental market.

Ep 213 Show Notes

Ep #212: Unlocking the Secrets of Inspecting Property – Expert Strategies for Assessing Properties like a Pro

1. Utilising Google Street View for Initial Assessment
2. The Impact of Technology on the Real Estate Industry
3. Understanding True Value and Conducting Price Analysis
4. Forensic Analysis of Past Sales and AI Challenge
5. Checking the Status of the Sale
6. Notable Factors Before Exiting the Car
7. Inside the Property: Conversations and Video Notes
8. The Value of Virtual Inspections and Spatial Awareness
9. Expert Insights on Functionality and Age of Items

Ep 212 Show Notes

Ep #211: The Post-Development Predicament, How Many Properties Do You Really Need? Do I Buy 2 Cheaper Properties or 1 Higher Value?… & Retirement Planning

1. In our weekly market update, the Trio delves into the RBA meeting minutes, uncovering the growing case for interest rate justification and the increased risk of inflation returning to the target.
2. We kick off with an intriguing question from a listener who recently purchased a rundown house in South Australia and is now considering subdividing it for two new builds. The Trio engages in an enthralling conversation, exploring all the options – should they build, wait, or consider alternative strategies?
3. Our second listener question is a popular one: “Can I use a loan of $820K with an LVR of 80% to buy two properties, or do I buy one?” 

Ep 211 Show Notes

Ep #210: Market Update May 2023 – How the Upper Quartile is Driving Market Movements, Why Affordability is Relative, Generational Shifts & the Boomer Effect, and the R Word – Recession

1. Our market update begins with a spotlight on Sydney, where median prices have surged by 5% this quarter.
2. We explore the historical trend of high-priced properties being the first to decline during downturns and rebound swiftly during recoveries.
3. We also shed light on an intriguing fact concerning cash purchases, which often go unnoticed amidst headlines about mortgage holders.
4. Distortions in data analysis are also brought to our attention. We explore how the ratio of units to houses can significantly impact median values, as exemplified by comparing cities like Melbourne and Brisbane. 
5. Dave presents the latest trends in capital cities and regions in rental markets.
6. Mike raises a question about a slight uptick in May, but Cate attributes it to the avoidance of the Easter school holidays.
7. We explore the rise in house price expectations, indicating a widespread belief in future price increases.
8. Dave, our lending expert, shares insights into loan commitment figures, hinting at a potential turning point.
9. Productivity remains a key concern, and stagflation poses a threat to the economy if not improved. Dave details this risk for our listeners.

Ep 210 Show Notes

Ep #209: Listener questions: Mastering property planning in unique circumstances, and unveiling buyer’s agent conflicts

1. The trio kick off this exciting episode with a market update. No surprises, the RBA’s rate increase landed firmly on both Dave and Cate’s discussion list.
2. Freightos Baltic Index is an intriguing measure that Mike watches. The huge increases in freight costs have stabilised somewhat and Mike predicts that the cost of building materials, cars, and other large allocations will come down; and we can anticipate that this will have an impact on inflation.
3. Our first listener posed a question to the Trio regarding their thoughts on the recent Four Corners Episode aired in late March 2023. The episode shed light on problematic behaviors exhibited by agents and conflicts of interest. Our thoughtful listener was curious about the measures in place to regulate such behaviors and ensure the disclosure of pertinent information.
4. Our second listener presents a special question as a loyal listener and property investor who wishes to assist her friend in making the right decision regarding her Melbourne apartment. She seeks the Trio’s advice on whether her friend should hold onto the property for long-term growth or sell it for better returns.

Ep 209 Show Notes

Ep #208: The Distance Dilemma: Decoding the Proximity Puzzle for Property Investors

1. Our main focus today is the distance people choose to buy their investment properties from where they live and whether that has changed over the years. 
2. We’re debunking stereotypes and revealing real data from groundbreaking industry research. 
3. Hold onto your seats because we reveal some jaw-dropping statistics! 
4. Mike challenges Dave and Cate to guess how far investors are willing to travel
5. Cate uncovers some intriguing “accidental investment” examples.
6. Dave discusses the risks associated with dual-purpose investing
7. Cate shares motivations behind investors purchasing properties “around the corner.” 
8. Discover the surprising changes in property investing trends, including the average distance investors are willing to travel. 

Ep 208 Show Notes

Ep #207: Mortgage mastery for investment borrowing & the hold or fold dilemma

1. Discussing the latest buzz in the property market: the Land tax reforms and other intriguing ideas proposed by the Victorian Government. How will these “fruity ideas” affect the property market in Victoria? Tune in to find out! 
2. Listener Question 1: When is the right time to convert your home loan to an interest only loan? 
3. Dave, our mortgage strategy expert, shares his invaluable wisdom on this common dilemma, offering golden insights for our listeners. 
4. Listener Question 2: Equity vs. higher loan-to-value ratios (LVRs) and Lender’s Mortgage Insurance (LMI). Discover the pros and cons, including optimising tax deductions and maximising savings. 
5. Dave breaks down the crucial details and sheds light on one of the significant costs that property investors often overlook – the expense of selling a property that could have been retained with the right mortgage strategy. 

Ep 207 Show Notes

Ep #206: Breaking free from buyer’s paralysis: Mastering the art of property decision-making and conquering the fear of buying before a better option

1. Don’t miss this thrilling episode dedicated to the tricks buyers play on themselves! 
2. Discover why FOBBABO (Fear of Buying Before a Better Option) can be dangerous and how to tackle it. 
3. Join Dave, Mike, and Cate as they delve into psychological challenges faced by buyers, discussing FOMO and the winner’s curse.  
4. Gain insights into how FOBBABO manifests and explore the market cycles where it typically strikes. 
5. Uncover valuable tips to navigate the risks of inflation, rising interest rates, and reduced borrowing capacity. 
6. Tune in for the Trio’s 7 powerful strategies to combat FOBBABO! 

Ep 206 Show Notes

Ep #205: Market Update Apr 2023 – Budget night and rising rents… how do we solve this issue?

1. Federal budget night announcements impact on the property market, in particular the measures that are proposed to ease the cost of iving and the government’s approach to tackle the rental crisis
2. Sydney is the “absolute standout”, but other capital cities are also rebounding
3. Listing volumes and the drivers that influence them
4. Distressed listings are not as ‘distressed’ as the media would have had us believe.
5. The annual change in rents for houses continues to challenge several markets, but the change in unit rents is quite shocking for tenants in the affected cities and regions.
6. The consumer sentiment index and the drivers and changes that are noteworthy forward indicators for the housing market
7. New loan commitments and “the refinancing goldrush has become a hallmark of 2023”

Ep 205 Show Notes

Ep #204: Ownership structures Part 2: Parental support, shared equity schemes and co-ops

1. The difference between a genuine gift from parents and a loan
2. Pros and cons of security guarantees and family pledges
3. How can parents help children when they have multiple kids?
4. The ins and outs of shared equity schemes
5. What are coops and how they function

Ep 204 Show Notes

Ep #203: Ownership structures Part 1: Co-ownership, parental support, buying with friends and alternative ways that buyers enter the market

1. To begin this episode the trio ponder the current market and share their thoughts on the improving conditions and some of the contradicting economist and media views.
2. What are some of the motivations for co-owning property?
3. Mike asks Cate to explain the difference between joint ownership and tenants in common; an important concept when it comes to estate planning and tax.
4. The trio chat about the benefits of pooling resources and some of the issues that are often overlooked though are plentiful too.
5. Prepping for the entity decision is critical, and they must be arranged long before signing a contract. Dave touches on just some of the less-considered details that co-owners need to delve into before they embark on the journey, including the exit-strategy, a dispute resolution clause, a financial default plan, and the distribution of profits.
6. Mike quizzes Cate and Dave on the pro’s and cons of corporate entities and trusts, from company tax rates on profits to the costs associated with the structuring and ongoing professional advice

Ep 203 Show Notes

Ep #202: Meet the Quantity Surveyor, Mike Mortlock

1. Episodes following the original podcaster intro’s, Dave and Cate introduce Mike.
2. They chat all things quantity surveying, but drill into the Novocastrian man behind the microphone… from his dangerous hobbies, to what it was that led him to his career as a ‘construction economist’.
3. Mike’s candid demeanour brings something special to the trio.
4. Cate delves into the various facets of quantity surveying that requires Mike’s skillsets.
5. Mike shares some intriguing snippets of data about lost depreciation benefits and the figure is staggering… .tune in to hear the details!

Ep 202 Show Notes

Ep #201: Market Update Mar 2023 – Has it turned, or is this a dead cat bounce?

1. The Trio reflected on the March data and in particular, the question on everyone’s minds; Has the market turned, or is this a dead cat bounce?
2. Sydney rebounded strongly with 1.4% growth in one month, and Dave brings market segments and price points to light when he shares that the upper quartiles are the highest performing price segments for the eastern capitals.
3. The sea change/tree change movement is obvious in this following table, and the trio but the March uptick signals a recovery in the regions also
4. Dave predicts a listing rebound in the Spring months of 2023.
5. Rents… Mike shares a scary news item – he read about a rental provider advertising a tent inside his living room for rent.
6. Mike highlights bond yields and the correlation with sentiment and ponders whether the consumer sentiment figures are actually indicating a rebound.

Ep 201 Show Notes

Our third musketeer’s job interview. Welcome to the Property Trio, Mike Mortlock!

1. Dave and Cate share with the listeners the appointment of Mike Mortlock to ‘Third Musketeer’ status on The Property Trio.
2. Mike’s job interview and Cate and Dave’s discussion prior about the key attributes they’re searching for. This little mini-ep taster provides a bit of humour and some insight into Mike’s wit and charm.
3. We welcome our clever Quantity Surveyor to the show! Congratulations, Mike!

Ep 200+ Show Notes

Ep #201: Market Update Mar 2023 – Has it turned, or is this a dead cat bounce?

1. The Trio reflected on the March data and in particular, the question on everyone’s minds; Has the market turned, or is this a dead cat bounce?
2. Sydney rebounded strongly with 1.4% growth in one month, and Dave brings market segments and price points to light when he shares that the upper quartiles are the highest performing price segments for the eastern capitals.
3. The sea change/tree change movement is obvious in this following table, and the trio but the March uptick signals a recovery in the regions also
4. Dave predicts a listing rebound in the Spring months of 2023.
5. Rents… Mike shares a scary news item – he read about a rental provider advertising a tent inside his living room for rent.
6. Mike highlights bond yields and the correlation with sentiment and ponders whether the consumer sentiment figures are actually indicating a rebound.

Ep 201 Show Notes

Ep #202: Meet the Quantity Surveyor, Mike Mortlock

1. Episodes following the original podcaster intro’s, Dave and Cate introduce Mike.
2. They chat all things quantity surveying, but drill into the Novocastrian man behind the microphone… from his dangerous hobbies, to what it was that led him to his career as a ‘construction economist’.
3. Mike’s candid demeanour brings something special to the trio.
4. Cate delves into the various facets of quantity surveying that requires Mike’s skillsets.
5. Mike shares some intriguing snippets of data about lost depreciation benefits and the figure is staggering… .tune in to hear the details!

Ep 202 Show Notes

Our third musketeer’s job interview. Welcome to the Property Trio, Mike Mortlock!

1. Dave and Cate share with the listeners the appointment of Mike Mortlock to ‘Third Musketeer’ status on The Property Trio.
2. Mike’s job interview and Cate and Dave’s discussion prior about the key attributes they’re searching for. This little mini-ep taster provides a bit of humour and some insight into Mike’s wit and charm.
3. We welcome our clever Quantity Surveyor to the show! Congratulations, Mike!

Ep 200+ Show Notes