98 episodes

Prepare to embark on an exciting journey into the realm of hot property markets with Terry Ryder and Tim Graham! Terry & Tim from Hotspotting, are dedicated to providing the most accurate and unbiased research to help investors make informed decisions on where to buy. The Hotspotting Podcast brings you the latest data, trends, and market statistics, along with in-depth discussions on growth areas and the larger factors impacting Australia's property landscape.

Terry & Tim regularly feature special guests from around Australia to share their industry insights and expertise to help investors cut through the noise.

Whether you're a seasoned investor or a first-time buyer, this show is a must-listen for anyone looking to build their knowledge and make smarter investment choices. Terry Ryder, with over 35 years of experience as a specialist researcher and writer in residential property, offers expert insights that are completely independent and free from outside influences. Tim Graham has been a buyers agent and mortgage broker for over 13 years along with working in real estate all over the world.

Join us on the Hotspotting Podcast and discover the hottest opportunities in the Australian property market today!

Hotspotting Terry Ryder & Tim Graham

    • Business
    • 4.3 • 23 Ratings

Prepare to embark on an exciting journey into the realm of hot property markets with Terry Ryder and Tim Graham! Terry & Tim from Hotspotting, are dedicated to providing the most accurate and unbiased research to help investors make informed decisions on where to buy. The Hotspotting Podcast brings you the latest data, trends, and market statistics, along with in-depth discussions on growth areas and the larger factors impacting Australia's property landscape.

Terry & Tim regularly feature special guests from around Australia to share their industry insights and expertise to help investors cut through the noise.

Whether you're a seasoned investor or a first-time buyer, this show is a must-listen for anyone looking to build their knowledge and make smarter investment choices. Terry Ryder, with over 35 years of experience as a specialist researcher and writer in residential property, offers expert insights that are completely independent and free from outside influences. Tim Graham has been a buyers agent and mortgage broker for over 13 years along with working in real estate all over the world.

Join us on the Hotspotting Podcast and discover the hottest opportunities in the Australian property market today!

    Depreciation Impact

    Depreciation Impact

    The report we call The Pulse provides critical intelligence for property investors because it shows how you can get both a high rental yield and excellent capital growth if you choose your location well.
    Recent editions of The Pulse have featured locations where rents have grown 10-15-20% in a year, but so have property values – providing the ultimate win-win-win situation for property investors.
    Hotspotting produces this report in association with leading national experts on property depreciation, Washington Brown – who provide additional key elements to the data in this report.
    The figures from Washington Brown show that intelligent application of depreciation tax benefits can create a significant increase in the rental yield of your property.
    It depends on a number of factors, including the tax bracket you are in, but typical depreciation benefits for an investment property can lift a 6.3% gross rental yield to 6.75%.
    A 6.4% yield can improve to 6.8% or 6.9%.
    Tyron Hyde, the CEO of Washington Brown says that “Depreciation is the secret sauce when it comes to property investing - and can turn a good, positively geared property into an even greater property! 
    “Better yet, depreciation can turn a negatively geared property into a positively geared scenario.”
    Tyron Hyde reminds us that property investors are able to claim the wear and tear of a property against their taxable income, which should be factored into the yield of a property.
    Depreciation is a non-cash deduction, which means, unlike all other expenses on your property, you don’t have to pay for it. 
    The depreciation amount you can claim is built into your property when you buy it; you just need a Quantity Surveyor like Washington Brown to calculate the number.
    So, if you get a copy of The Pulse, you can learn a number of key things for property investors: 50 locations which are affordable, where you get above average rental yields, and which have good potential for capital growth – and the important data from Washington Brown which shows how depreciation benefits can turn a good rental yield into a great rental yield.
     

    • 3 min
    Victoria Gets Worse

    Victoria Gets Worse

    Victoria has become the state that property investors don’t want to know about, because its politicians at both state and local level appear to have declared open season on investors.
    The State Government in Victoria has a budget deficit problem and has made the decision that many politicians in Australia make, which is to resort to the housing market as their favourite cash cow.
    They can’t slug home-owners or first-home buyers with new or higher taxes because that’s politically unpalatable – but investor owners are relatively few in number so they can attack them with less damage politically.
    It will result in fewer investors, therefore fewer rental properties, and therefore higher rents for tenants, but hopefully (in the minds of the state politicians) tenants will blame their landlords rather than the government.
    So the State Government in Victoria has smashed owners of investment properties in the state with big increases in existing taxes – notably land tax – and with the introduction of new taxes.
    It’s almost as if they see investors as a criminal class and they all need to be punished.
    If that isn’t enough, now the State Government has announced it will mandate the upgrade of a range of components inside rental homes 
    This would force landlords to install insulation, draught-proofing, cooling and heating systems and new shower heads – and the estimates for the cost impact of that range from $5,000 to $10,000.
    Consumers Affairs Minister Gabrielle Williams, displaying the out-of-touch divorced-from-reality quality so common among politicians, says this is a relatively small cost for property owners to wear and won’t be a problem for anyone.
    But for typical owners, an additional cost of $5,000 or $10,000 on top of huge increases in interest rates, insurance, maintenance costs and government taxes including land tax and council rates, this is a killer blow.
    There is already an exodus of investors from Victoria because of the recent tax increases and this new imposition of enforced upgrades will compel many more to sell up and leave the state.
    Veteran property commentator Jonathan Chancellor has described the Victorian State Government measures as “a lesson in what not to do” in the face of a rental shortage crisis.
    He said that the state bureaucracy had admitted that Melbourne’s rental supply may contract as a result – keeping in mind that it’s already alarmingly low.
    But it doesn’t end with this appalling state government. Local councils have already joined the increasingly popular political sport of demonising and punishing investors.
    The Merri-bek Council, or elements of it, want to take the assault on property investors to a new level. The plan is to double council rates on investment properties and reduce rates for everyone else.
    They say that, if it forces investors to sell and their properties are bought by owner-occupiers, that’s a great thing. In fact, according to the policy stated by the proponent, Cr James Conlan, that’s the main objective.
    The logic, if you can call it that, is that it will make homes available for purchase by first-home buyers. But most suburbs in this LGA have median house prices well above $1 million. The three Brunswick suburbs are all around $1.3 million. 
    How many first-home buyers in Melbourne can pay over $1 million as their first foray into the property market.
    It’s simply not going to happen.
    But, beyond that, where will the tenants of these properties go? Who will provide the rental properties if the local council forces all investor owners to sell, which appears to be the ultimate objective of this appalling proposal.
    Vacancy rates in the postcodes of Merri-bek LGA are well below the already-low Melbourne average – many of them have vacancy rates around 0.5%, which is at crisis levels.
    Looking more broadly across the state, the number of homes occupied by renters in Victoria has fallen by 10,400 in just three months a

    • 6 min
    Affordability Deception

    Affordability Deception

    There are many so-called research reports in Australia which do a very poor job of providing useful, accurate, credible information to consumers – but the worst of the worst is a report called Demographia which pops up once every year to misinform Australians about affordability.
    This report, which is a shameless propaganda exercise by a developer lobby group, sets out to portray Australia as a place where no one – and I do mean no one – can afford to buy real estate.
    The lobby group is apparently trying to convince governments across Australia that the development industry is over-regulated and that this over-regulation is causing unaffordable housing everywhere – and I do mean everywhere – in Australia.
    This ridiculous report has been claiming for 20 years that the whole nation of Australian is unaffordable.
    And the latest edition of the report claims that significant chunks of Australia are and I quote, “impossibly unaffordable”.
    Now, think about it for a moment. If this was true, no one could afford to buy homes in Australia at all. Because, essentially, that’s what they’re claiming - that no one can afford to buy real estate.
    Clearly, that’s a ridiculous and preposterous claim because all over Australia there is a high level of sales activity and prices continue to rise in most locations.
    The latest official lending figures show that loans to owner-occupiers, to first-home buyers and to investors have all risen substantially in the past 12 months.
    There is high demand for homes and for investment properties and the high level of sales is causing prices to rise in most locations.
    Now, none of that would be possible if the Demographia report was credible and accurate – because it says the whole country is unaffordable.
    Indeed, it says our major cities are the most unaffordable in the world.
    But here’s the thing – the report doesn’t cover the world. It only compares Australia will a tiny proportion of the nations on the planet.
    There are over 200 countries in the world – and how many are included in this report? Just seven. Australia and six others.
    And yet it maintains that it can justify the claim that Australian cities are the most unaffordable in the world.
    Now, if common sense prevailed, you and I wouldn’t even be aware that this report exists because it’s so implausible and lacking in any merit whatsoever.
    But we DO know about it because news media in Australia doesn’t care about ethics or accuracy or fairness or credibility.
    Journalists, sadly, care only about the headline and don’t care that the information on which the headline is based is patently, blatantly and obviously false.
    Michael Bleby, who apparently is the Deputy Property Editor for the Australian Financial Review, was happy to report that Sydney, Melbourne and Adelaide are all “impossibly unaffordable” and ran the headline “Impossibly unaffordable housing a social risk”.
    Bleby stated that Sydney is the world’s second-least affordable city for housing, based on the content of the Demographia report.
    Now, I’m assuming that Bleby has seen the report, because it would unprofessional and unethical in the extreme to make such claims without looking at the evidence.
    So I can only conclude that he doesn’t care too much about the substance of what he is writing, so long as it generates clickbait.
    News Corp journalist Aidan Devine put his name to an article that stated that three of our capital cities were ranked in the top 10 most unaffordable housing markets in the world – and then claimed that Australia was the least affordable housing market in the English-speaking world.
    So these journalists and others were happy to make these outrageous claims despite what the facts show us.
    I’ve read half a dozen different articles on this and only one of them mentioned, briefly, the small number of countries in the report.
    In Sydney, claimed by the report to be “impossibly unaffordable”,

    • 6 min
    No Money Down Investing with Lucky Velasquez

    No Money Down Investing with Lucky Velasquez

    In this episode of "No Money Down: Smart Property Investment," Tim Graham is joined by Lucky Velasquez, the founder of FinanceBetter, to discuss innovative strategies for property investment with minimal initial capital outlay. 
    Lucky shares his extensive experience in helping clients navigate financial hurdles and maximise their investment potential without the need for large upfront deposits.
    Key Topics Covered:
    Introduction to No Money Down Investing: 
    What it means to invest with little to no initial capital.
    Common misconceptions about no-money-down strategies.
    Creative Financing Solutions:
    Alternative financing options and how they can be leveraged.
    Examples of successful no-money-down deals and the creative methods used to structure them.
    Risks and Rewards:
    Analysing the potential risks and rewards of no-money-down investments.
    How to mitigate risks through thorough research and due diligence.
    Market Insights and Trends:
    Current trends in the Australian property market.
    How economic conditions are shaping investment opportunities.
    Case Studies and Real-life Examples:
    Detailed case studies from Lucky's clients who have successfully implemented no-money-down strategies.
    Lessons learned and actionable tips for aspiring investors.
    To get in contact with Lucky, please visit www.financebetter.com.au

    • 39 min
    Interviews with the 1% - Melinda Jennison

    Interviews with the 1% - Melinda Jennison

    Are you ready to take your investment journey to the next level?
    Look no further, because we have exciting news to share with you! We are thrilled to announce our new Hotspotting pre-recorded interviews with some of the top 1% of Australian investors who own 5 or more properties.
    As you may know, in the 2020-2021 financial year, only 0.87% of investors in Australia owned 5 or more investment properties. But what do these successful investors know that the majority don't? We have sat down with a number of them to get exclusive insights into their strategies, tips, and personal journeys.
    Our pre-recorded interviews bring you valuable knowledge and advice from Australian property experts who walk the walk and practice what they preach. Learn from their mistakes, successes, and unique perspectives on property investment. These interviews are a must-watch for anyone looking to build a successful investment portfolio and achieve financial freedom.
    With over 71% of investors owning only one investment property, we understand the challenges and uncertainties that come with growing your portfolio. That's why we have curated a series of interviews that exclusively feature investors with multiple properties. They represent the top 1% of Australian investors and have achieved remarkable success in their investment journey.
    Our pre-recorded interviews are available for you to watch at your convenience, so you can take in all the knowledge and insights at your own pace. Hear firsthand how they navigate the ever-changing property market and make profitable investment decisions. You'll be able to walk away with practical tips and strategies that you can implement in your own investment journey.
    About Melinda Jennison
    From a very young age Melinda developed an interest in real estate because her parents were property investors, so she learnt a lot from the conversations that they often had growing up. Melinda says she has been fortunate to have never rented, but instead bought her first home in Brisbane at the age of 18. This was the beginning of her own property journey.
    Melinda came from a research background, having completed a PhD in 2001. Instead of staying in academia she moved into real estate, with involvement in the building and construction industry and property development. Now as a buyers advocate and QPIA®, Melinda uses the skills she has acquired over the years to make evidence based property decisions, to accurately interpret data and translate that in an easy way for clients to understand, and analyse all sorts of property deals for herself and others.
    In September 2023, Melinda’s outstanding expertise in the property sector was recognised when she was elected President of the Real Estate Buyers Agents’ Association (REBAA).
    You can find out more about Melinda and Streamline Property Buyers by visiting https://streamlineproperty.com.au/

    • 28 min
    NSW Investor Boom

    NSW Investor Boom

    The latest lending data from the Australian Bureau of Statistics finds that loans to investors in New South Wales in April represented a 44% increase on the same time last year.
    That’s a major jump in buyer demand, but it does not surprise the team at Hotspotting, particularly after the analysis we have done on market trends for the Winter edition of The Price Predictor.
    Our research shows there is heightened buyer activity in selected locations, both in Sydney and in Regional NSW.
    The Price Predictor Index finds that some of the nation’s regional areas are the leading markets in the nation, including the Wollongong/Shoalhaven region in NSW.
    In the Winter edition of the PPI, we have nominated the Shoalhaven LGA as the strongest market among the nation’s municipalities, while the City of Wollongong also makes our National Top 10.
    The Price Predictor Index for several years has charted the trend we call The Exodus to Affordable Lifestyle and our latest analysis suggests the demographic drift from the biggest capital cities is still pumping strongly.
    In some cases, the NSW regional markets of note are what we call “second-wind markets” -locations across Australia which were at the peak of their up-cycles in 2021 and then subsided in 2022 and 2023 – but are now showing signs of embarking on the next up-cycle, with improved activity late in 2023 and early in 2024.
    A prime example is Byron Bay which previously had a boom which, in reality, overshot true value – with property values doubling in two years. The median house price peaked at $3.5 million in mid-2022, but dropped markedly since to as low as $2.4 million. Now we see evidence in the sales data of a pickup in activity and also the first signs of prices recovering.
    The strong Albury-Wodonga regional city at the NSW-Victoria border was a boom market until mid-2022 – and now, after a flat period, is showing early signs of revival. The suburb of Albury is one of our National Top 50 Supercharged Suburbs in the Winter edition of The Price Predictor Index.
    Other standout locations include Newcastle and nearby areas such as Lake Macquarie and Port Stephens. Mid-coast centres like Forster and Taree are also travelling well.
    In Sydney, the top end is undoubtedly leading the Sydney market while the cheaper areas are struggling to maintain their previously high sales levels.
    Locations where houses sell for multiple millions of dollars are the strongest clusters for buyer activity, in a Greater Sydney market where sales levels have moderated a little but continue to be solid.
    Our analysis reveals three stand-out clusters of suburbs where sales activity is most vibrant, all of them at the upper end of the market – the municipalities of Woollahra, Waverley and Bayside.
    Within these LGAs, suburbs classified as rising markets include Bondi, Darling Point and Paddington.
    Inner-city areas which have been boosted by strong demand for apartments in the past year or so – Sydney City and the Inner West LGA - continue to generate good buyer demand.
    Rising suburbs in the City of Sydney include Surry Hills and Woolloomooloo, while Chippendale stands out for its consistency of performance.
    At the opposite end of the market spectrum, outer ring areas including the municipalities of Blacktown, Hills Shire and Penrith have lost momentum and have significant numbers of suburbs classified as declining markets.
    This is part of a notable trend nationwide which finds that new development areas are among the struggling markets with sales activity falling.
    The problems within the housing construction sector are well-documented, with building companies going broke amid rapidly rising costs and shortages of tradespeople and materials.
    We note that sales levels in the City of Blacktown, which has been a star performer in Sydney in recent years, have faded notably. It’s noteworthy that many of the declining suburbs have median house prices well above $1 million and no lon

    • 6 min

Customer Reviews

4.3 out of 5
23 Ratings

23 Ratings

Jude AUS ,

Property Bull Perspective and excellent local knowledge

A great source for the property bull perspective and the ‘upside’ case post Corvid-19

However, Terry does critique the media for not having an in-depth understanding of the complexity of the property market.

I find it slightly ironic that Terry places strong faith in Chinese stimulus and a subsequent resource boom when his is not a China or Resources expert.

There is no mention that Chinas massive debt is concerning the CCP and their explicit goal to become a consumer economy and significantly reduce its demand on iron ore and coal.

With regard to resources, oil has crashed, this may become a contagion for other natural resources.

Terry has an anchor bias that assumes a boom because that’s what happened in the GFC. He may be right, but not pointing out the downside risk from China is an oversight.

Despite this I enjoy the podcast, his excellent local knowledge and micro post code perspective is great 👍

HariHG ,

Good content

Generally good content although would prefer longer episodes. Sound quality is terrible. It would be great if Terry would invest in a decent mic, they don’t cost that much these days. Would be 5 stars if the sound quality was as per the 2020 standards and not 90ies.

Lyndalh ,

Great listen

Really enjoy the conversation between Terry & Drew on a topic that can be like a minefield. Adding this podcast to the list!

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