Australian Property Talk

Inflation came in at 1% for Q1 2024 in a big economic release. This was above market expectations, coming in way too high and is a cause for concern. Inflation is the number one data item that the RBA look at, and with this high number, rate cut talks for the foreseeable future are over. The RBA removed its stance on 'increasing interest rates' at its last meeting, but is likely to reinclude it next week and warn Australian's that further rate rises may be required to quell the inflation beast. Reach out to us at www.australianpropertytalk.com.au

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 growth. 2. Using employment data to help 3. Coming up with YOUR checklist to buy We are in a unique position to serve hundreds of clients across Australia - who work with the best agents in town. Unlock what we've found in a step by step episode that will help you gain clarity on WHERE to buy. Reach out to us at www.australianpropertytalk.com.au

We deep dive into the steps you need to take to purchase a property. We aim to help you take ACTION by SIMPLIFYING the process into a few key steps. Simplified, property investing can be broken down into a few simple steps: 1. Get money - usually from banks! 2. Use that money to buy GOOD property investing - 3. Risk management - ensuring your cash flow is strong enough to support the property investment We unpack WHY people fail to get started: 1. Why perfect holds you back 2. Why ACTION is key to results 3. How TIME will help you get results Reach out to us at www.australianpropertytalk.com.au

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 from step 1 to step 2. Reach out to us at www.australianpropertytalk.com.au

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 Youtube now! Reach out to us at www.australianpropertytalk.com.au

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

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

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):Scenario 2 (currently forecasted by markets):Scenario 3 (uncertain timing of APRA change, inflation will likely need to come down):Scenario 4 (CBA’s rate forecast for 2025): What will this all do to property prices? If Scenario 4 comes to life with employment markets remaining strong enough, its likely to bring forward the next leg up of the housing cycle to 2025-2026. Reach out to us at www.australianpropertytalk.com.au

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 we deep dive into future borrowing power modelling over 2024-2025. Reach out to us at www.australianpropertytalk.com.au

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

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 strategies. Reach out to us at www.australianpropertytalk.com.au

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

We unpack the latest finance strategy that offers advanced investors the opportunity to expand their borrowing power. 1. What is the company lending strategy? 2. Who uses this strategy and why is it an 'advanced strategy'? 3. Why it makes sense to have a healthy capital position when adopting this approach? 4. How do banks view this and why do they allow this? 5. Why there may be significant tax downsides without the capital gains discount being applied? 6. How do you ensure the entity is 'self sufficient' & what strategies can you use to help present it this way? 7. Does this mean UNLIMITED borrowing capacity? No. 8. Importantly, we discuss whether this strategy is for the LONG TERM and whether changes to lending policies may block this over time. 9. Will regulators block this approach? 10. How you can use this to help protect your 'future owner occupier' plans Note that this podcast is GENERAL ADVICE ONLY and does not relate to your specific individual circumstances. We recommend specific taxation, lending & legal advice for your situation. The purpose of this podcast is for educational purposes only. Reach out to us at www.australianpropertytalk.com.au

In a positive economic data release, inflation came in well below expectations. At the same time, the December jobs report was really poor. The economy is clearly slowing. We discuss what this inflation print means and ask the question: When will rate cuts come. We discuss three scenarios: rate cuts in May 2024, August 2024 and Nov 2024 and how each could come to pass. Finally we touch on the borrowing power improvements in 2024 coming from tax cuts and rate changes. Reach out to us at www.australianpropertytalk.com.au

Part 1 of a 3 part INVESTOR LENDING Series. We unpack how YOU can maximise your investing and financing position to MULTIPLY your borrowing power. In 2024, financing conditions remain very tight. Borrowing capacities are down, yet prices are at their peaks. Property investing is a game of finance. For investors looking to build, scale and grow their portfolio, this podcast series is for you. Reach out to us at www.australianpropertytalk.com.au

The government has just announced massive changes to stage 3 tax cuts - overall higher income earners will be getting a smaller tax cut, with the money being used to fund tax cuts for lower income earners. Anyone earning $150k+ will pay more tax, and those earning less will get a benefit. We deep dive into what the changes are, and what it means to property investors across Australia. Reach out to us at www.australianpropertytalk.com.au

We play a game of higher or lower and run through the economy, interest rates, employment & property prices. Take a deep dive into all the key factors that will drive your property outcomes in 2024. Redom unpacks his thoughts on APRA's big handbrake on lending and how it's hampering Australian's all across the country for little/no benefit. Reach out to us at www.australianpropertytalk.com.au

We discuss 3 massive changes to macro-economic factors expected in 2024 and how it will impact the property market. Specifically: > We unpack how tax cuts impact borrowing capacities and which markets it will improve. > We discuss the probabilities of rate cuts & what it will do to housing sentiment. > Finally, we run through WHEN, not IF, APRA will relax lending standards further. Combined, these three forces can add up to 30-35% in borrowing power and reverse financial conditions from 'tight' to 'loose'. Could this spark the next property boom later in the year or in 2025? Reach out to us at www.australianpropertytalk.com.au

What's the best way to do an end of year property wrap? We do what no one else ever does. Revisit our 11 predictions for 2023 EBOOK released at the beggining of the year and see how our calls stacked up. No surprise, we got many things wrong, with some right ones in there too! 2023 was a year where most predictions were all gloom and doom. Instead property in a few major capitals are up double digits! There's been a rental boom too. Reach out to us at www.australianpropertytalk.com.au

Australian economy is beginning to slow quickly. The latest economic scorecard doesn’t officially put us in a recession, we are dangerously close to it. If you stripped population growth out, we have already hit that dreaded R word. We are also becoming less productive. Our savings rate has plummeted. Our household spending has nosedived. Overall – the data is clear, higher interest rates are working, and as result, we are all moving backwards. We go through the latest economic scorecard, discuss latest employment data & what it means for interest rates in 2024. Reach out to us at www.australianpropertytalk.com.au