Helpmebuy Property Podcast Moxin Reza

Have you checked out the current scene of Australian real estate market? If you are a keen observer and an ardent real estate market follower, you would’ve noticed how fast the dynamics of the market are changing. From rising inflation, to increases in prices, to projected price tags of property in the coming years, everything is drastically changing creating a gap between the supply and demand in the market. Trust me, if the gap is invisible now, it will be seen from ten feet apart in years to come. 
 
In a series of 2 parts, me and my co-host Cheryl have highlighted how the market dynamics are changing and what are the factors that are influencing the market. And most importantly, why it is not a good idea to buy a property to live in – right now! 
 
We discussed the surge in house prices and the challenges faced by first-time buyers as well as explored the disparity between established properties and brand new properties, with established properties offering more value. You need to understand the importance of considering long-term financial goals and the impact of equity and serviceability on accessing funds. One cannot deny the role of the Reserve Bank of Australia (RBA) and the factors that influence interest rate cuts.  
 
Episode Highlights: 
 
00:00 Welcome to Help Me Buy Property Podcast 
05:03 Considerations for First-Time Buyers in the Current Market 
11:29 Buying a Property to Live in vs. Investing 
16:14 The Role of the Reserve Bank of Australia in Interest Rate Cuts 
  
Resources:  
Visit the Investor Partner Group website: https://helpmebuy.com.au/  Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau   You can also connect with us on https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our Youtube Channel at https://www.youtube.com/@moxinreza.   
 
Keep smiling, be kind, and continue investing. Peace out!  

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Mortgage can be a headache! Sometimes mortgage can be such a huge liability if it lingers on and your cash flow is affected by any means. 
Our experts discuss different strategies in this episode to help you pay off mortgagee faster. Different unconventional methods were discussed that go beyond decreasing interest rates or changing payment schedules. 
Strategies such as making extra repayments, renovating and selling, flipping properties, and accessing equity to invest are preferred for fast mortgage repayment. The benefits of creating a guest suite for rental income and leveraging investment properties to pay down debt cannot be ignored. Similarly, the use of SMSF (Self-Managed Super Fund) is a way to accelerate debt repayment and build a strong property portfolio.  
You should consider making extra repayments to reduce the principal and save on interest. Accessing equity and investing in cash flow-generating assets can help pay down debt as well as leveraging 
Episode Highlights: 
00:00 Welcome to Help Me Buy Podcast 
03:43 Renovating, Selling, and Repeating 
07:31 Long-Term Renovation Strategy 
14:02 Renting Out Rooms as Airbnb 
19:27 Using SMSF to Accelerate Debt Repayment 
23:17 Consolidating Debt into PPOR 
Resources: 
Visit the Investor Partner Group website: https://helpmebuy.com.au/ Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau You can also connect with us on https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our Youtube Channel at https://www.youtube.com/@moxinreza. 
 
Keep smiling, be kind, and continue investing. Peace out! 

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The lending environment in Australia's real estate market can feel like a complex maze. With ever-changing regulations, interest rates, and lending criteria, staying informed is essential for both buyers and investors. It is crucial to have a clear understanding of the essentials of the market in order to make right decisions. Our expert Moxin Reza was joined by Chris Raymond from Unconditional Finance once again to discuss the lending environment specifically for year 2024. 
The market is dissected on a variety of factors, including income, credit history, employment stability, and the property's value. With the introduction of responsible lending laws, lenders are now required to ensure that borrowers can afford their loans without suffering financial hardship, leading to more rigorous assessments. 
With the data available, both maestros discussed the expected impact of fluctuating interest rates, global economic conditions, inflation rates, and not to forget the Reserve Bank decisions. Furthermore, the rise of digital platforms and fintech solutions also made it to the discussion. 
The lending environment in 2024 is challenging, with borrowers facing stricter credit policies and reduced borrowing power due to multiple rate rises. Banks are narrowing the gap between rates for owner-occupied and investment lending, making it a good time for investors to review their rates. There are signs that banks are easing their credit policies, such as offering higher loan-to-value ratios and shorter financial history requirements for self-employed borrowers. 
The final verdict was that in this dynamic lending landscape, staying proactive, doing thorough research, and seeking expert advice are essential to counter the complexities and make informed decisions which are in alignment with your financial objectives. 
 
Episode Highlights: 
· 00:00 Welcome To Help Me Buy Property Podcast 
· 02:08 The Current Lending Environment 
· 06:51 Signs of Easing Credit Policies 
· 08:12 Conclusion and Encouragement to Invest 
· 11:35 Expectations for Interest Rates 

Chris Raymond is the principal finance broker at Unconditional Finance, an Australian-based award-winning mortgage broking company. With an enthusiastic commitment to his client’s success, he effectively tailors loans to suit their needs, specializing in property investment, residential, commercial, and asset finance. Driven by the purpose of educating his clients to make informed decisions, he has successfully catered to helping people achieve their financial goals. 
Chris Raymond can be reached out at: 
 https://www.unconditionalfinance.com.au/ 
Resources:
• Visit the Investor Partner Group website: https://helpmebuy.com.au/
• Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau  
You can also connect with us at https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our YouTube channel at https://www.youtube.com/@moxinreza. 
Empower positiveness, Nurture Your Investments, and Acquire Financial Peace! 

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Why is keeping money in the banks still the best option for people, and why do they still avoid investing? A deeper question that may tickle your brains with a lot of queries about finances and taxes could be how to avoid going bankrupt? 
This may be more intriguing for the businessman who needs to think of the financial system, like how banks earn from customer deposits and the importance of investing in ways that outperform inflation. This is why we include practical solutions on debt recycling strategy, including possibilities where people can use refinancing, as well as the significance of making sensible investment decisions to prevent lifestyle inclinations. 
Through this episode, we manage to emphasize the importance of having a good financial strategy, as well as the vital role of expert opinions in making these strategies, mortgage organizing, and managing taxes, and urge listeners to invest prudently. 
Explore the deep learning of debt and taxes, where the comprehensive teachings of financial strategies from our experts encourage you to avoid common pitfalls. Don’t miss out on the interesting and real-life examples shared tonight. Watch what you should not do next time you invest. 
Episode Highlights: 
· 00:00 Welcome To Help Me Buy Property Podcast 
· 02:15 How Inflation Has Been Making The Difference 
· 03:51 The Difference Between A Non-Tax Deductible Debt And Tax Deductible Debt 
· 06:58 Understanding Banking System 
· 08:12 The Importance Of Debt Recycling Strategy 

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As the real estate landscape continues to be surrounded by complexities for successful property investment, the need for seasoned mortgage brokers becomes crucial! 
Our expert Moxin Reza along witth our amazing guest Chris Raymond from Unconditional; unravel the intricacies of property investment finance and discuss the importance of using a serial investor as a broker. 
With billions of mortgage brokers in Australia, the significance of partnering with a broker specializing in property investment and showcasing personal experience portfolios can’t be overstated. These brokers bring in invaluable expertise leveraging firsthand experience and tested strategies for tailored solutions to your investment needs. 
Moxin and Chris discussed the importance of ensuring optimal borrowing capacity and achieving long-term property investment goals, demand-tailored strategies, and proactive structuring. Entrusting an inexperienced broker can expose you to numerous pitfalls while working with a serial investor broker can enhance your overall success. 
Exploring the benefits of using low-doc loans as a short-term solution, the conversation entailed an exchange of result-driven insights on turning the process into successful investment outcomes. 
 
Episode Highlights: 
• 00:00 Welcome to Helpmebuy Property Podcast 
• 01:04 Why are there different types of brokers? 
• 05:52 How does a serial investment broker help scale up a property portfolio? 
• 12:23 How do mortgage brokers aid in projecting cash flows accurately to banks? 
• 18:11 Putting clients first: how mortgage brokers prioritize successes 
About the Guest: 
Chris Raymond is the principal finance broker at Unconditional Finance, an Australian-based award-winning mortgage broking company. With an enthusiastic commitment to his client’s success, he effectively tailors loans to suit their needs, specializing in property investment, residential, commercial, and asset finance. Driven by the purpose of educating his clients to make informed decisions, he has successfully catered to helping people achieve their financial goals. 
Chris Raymond can be reached out at: 
 https://www.unconditionalfinance.com.au/ 
Resources:
• Visit the Investor Partner Group website: https://helpmebuy.com.au/
• Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau  
You can also connect with us at https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our YouTube channel at https://www.youtube.com/@moxinreza. 
Empower positiveness, Nurture Your Investments, and Acquire Financial Peace! 

Hosted on Acast. See acast.com/privacy for more information.

The heart and soul of Australia's real estate scene, the factors like affordability index, capital growth etc. that will be affecting the market in year 2024 all summarized in this episode. This is the last installment of this series. In this episode, our experts will take you across the diverse landscapes of Adelaide, Melbourne, and Sydney, peeling back the layers to reveal the stories behind the numbers for a better investment strategy. These are some of the biggest real estate markets of Australia, so the best was kept for the last! Moxin Reza along with Alex Fedoseev explore the highs, the lows, and everything in between in order to decode the rhythm of the property market Down Under.  
This is not a surprise but Adelaide emerges as a high performer, it has been in this list for the past 2 years, with suburbs like Playford and Salisbury capturing attention for their growth potential. On the other hand, Melbourne's allure lies in its affordability, yes one of the safest market for newbies to come and invest especially with areas like Knox and Manningham jolting with increased interest, thanks to the infrastructure projects like the North East Link. The discussion is concluded by summarizing the overall real estate market look in 2024 and how the trends and factors will impact investors’ decisions. 
 
Episode Highlights: 
00:00 Welcome to Helpmebuy Property Podcast 03:18 Adelaide The Star Performer! 10:05 Melbourne LGAs Explained 17:23 NSW – The Underdog 21:22 Australian Real Estate Market Summarised  
Alex Fedoseev is known as a strategic thinker with a detailed approach to every challenge. Throughout his career, he has demonstrated a remarkable capacity to guide digital products, designed to address tangible problems, from their initial concept through to their successful launch. Alex's expertise is grounded in developing information solutions tailored to meet the demanding needs of businesses. 
 
HtAG® Analytics is a quintessential SaaS companion in the property investment journey across Australia. With an innovative platform that stands at the crossroads of machine learning and up-to-the-minute real estate market data.  
 
Sign up now at HtAG using our exclusive referral link and enjoy an instant 10% discount with code 'HELPMEBUY_2024'.
Referral Link: https://www.htag.com.au/partner/helpmebuy/
Tel: +61 (0) 2 8055 3772
Resources: 
Visit the Investor Partner Group website: https://helpmebuy.com.au/ Join us on our FREE Facebook Group: https://www.facebook.com/groups/helpmebuyau You can also connect with us on https://www.linkedin.com/company/77080688. For more podcast episodes, subscribe to our Youtube Channel at https://www.youtube.com/@moxinreza. 
 
Keep smiling, be kind, and continue investing. Peace out! 
 

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