There's tens of thousands of properties for sale at any point in time. How do you work out where to actually buy? We unpack: 1. The importance of thinking NATIONALLY, not just locally.   2. Why NUMBERS is all that matters - not emotional attachment to walking past your property investment. 3. Property cycles are different across the country. 4. Why buying in rising markets helps your portfolio growth 5. How your own affordability constraints may mean you need to look elsewhere. Understanding the data: 1. Using demand & supply tools to help you unpack where to buy for short term grow ..read more

We deep dive into the Australian economy, jobs market, and rate cycle.  We also unpack how Australia compares to the US and why they are doing so well, while we are barely growing at all. We discuss the slowly moving rate cycle, and why we're now in PHASE 2 of this transition from raising rates to cutting.   1.  Stop increasing rates, but posture that more rate rises are coming. 2.  Removing the 'posturing' of further rate rises. 3.  Begin communicating that we expect to cut rates later in the year. 4. Actually cutting rates In the latest meeting, the RBA have moved f ..read more

How are so many Aussies getting on with their day to day life? This question is absolutely key to the short term direction of housing values, the risks to the aussie economy, our jobs market and everything central to our economy. Its why the RBA put a spotlight on Aussie households and how they're coping to high rates.  There's 3 reasons how Aussie's are getting through: 1. A great jobs market - near the best on record. 2. We're adjusting our spending to get through - the Aussie resilience shining through! 3. We came into this position with big savings buffers Check the full video on Yo ..read more

Sydney planning changes proposed in 2024 is one of the best investing opportunities we have seen in a long time.  In this episode, we deep dive into the changes proposed by the state government. We discuss: > What the pro's & con's are from pursuing a strategy like this > What areas are going to benefit most > Why apartments may do poorer as a result of greater housing supply Overall, Sydney investors who have focussed on strong fundamentals and good locations, are likely going to be big winners from these changes. Reach out to us at www.australianpropertytalk.com.au ..read more

Sydney planning is changing - the largest change in a generation due to come into legislation in 2024! The state government is responding to the housing crisis with a massive change to planning proposals that impacts land all across the city. We discuss: > What is changing and where > What areas will do well > How property investors can benefit > What to look out for and how to adjust your strategy to benefit from this Reach out to us at www.australianpropertytalk.com.au ..read more

We've modelled out borrowing powers for 7 years straight.  This shows a close relationship between borrowing amounts and house prices. In this episode, we deep dive directly into what will happen to borrowing powers in 2024.   We discuss 4 separate scenarios: Scenario 1 (near certainty): Stage 3 tax cuts kick in and add 5% to borrowing power Scenario 2 (currently forecasted by markets): Stage 3 tax cuts + 0.50% reduction in interest rates.  Combined this adds 11% to borrowing capacities. Scenario 3 (uncertain timing of APRA change, inflation will likely need to come down): St ..read more

We deep dive into 2023 - house prices increased by nearly double digits YET borrowing powers fell by nearly 10%. Why? What happened in 2023 and why did prices rise when credit availability came down? This means that more and more purchases were made with larger deposits & to higher income Aussie's. We unpack a few key factors: 1. The 'Bank of Mum & Dad' increasing in size and influence. 2. The massive wealth increase that occured between 2019-2022 creating a 'second wave' impact to property prices 3. Strong fundamentals All of these explanations help unpack our next episode, where ..read more

Do changes in borrowing power impact the direction of house prices?   We deep dive into how borrowing power has changed up and down through 2017-2022 and how house prices have followed these changes. For these years, the results are clear: House Prices in Sydney moved up and down in line with changes to the amount of credit available. Reach out to us at www.australianpropertytalk.com.au ..read more

We unpack superannuation lending and how property investors can use their super to continue growing their property portfolio. Specifically: 1. What is a self managed super fund 2. How do banks view SMSF's 3. What is a 'bare trust' and why is it needed 4. How does it expand my borrowing power? 5. How does it impact my personal borrowing power and future plans? 6. Who should consider SMSF's and property 7. What type of asset is usually bought inside super? NOTE: This episode is GENERAL ADVICE only.  We recommend specific credit, legal and financial advice BEFORE undertaking any super stra ..read more

We deep dive into the latest RBA release and 45minute press conference yesterday. Specifically we unpack their latest forecasts, what they signal for interest rates ahead and why the clouds of uncertainty are starting to clear for property investors. Reach out to us at www.australianpropertytalk.com.au ..read more