499 episodes

In a casual ‘conversational’ style, Bryce Holdaway and Ben Kingsley talk all things property investing in Australia. Each week they explore relevant and topical ideas in a fun and interesting way forming a complete guide to Property, Finance & Money Management. From which property to buy, structuring your loan, SMART Money Management habits, investing mindset, finding the right property investment strategy to tips for bidding at an auction, Bryce and Ben aim to share their knowledge with you!

The Property Couch Bryce Holdaway & Ben Kingsley

    • Business
    • 4.4 • 17 Ratings

In a casual ‘conversational’ style, Bryce Holdaway and Ben Kingsley talk all things property investing in Australia. Each week they explore relevant and topical ideas in a fun and interesting way forming a complete guide to Property, Finance & Money Management. From which property to buy, structuring your loan, SMART Money Management habits, investing mindset, finding the right property investment strategy to tips for bidding at an auction, Bryce and Ben aim to share their knowledge with you!

    410 | What Happens Next? Market Reset, Rental Crisis and How To Solve It All! - Chat with Eleanor Creagh

    410 | What Happens Next? Market Reset, Rental Crisis and How To Solve It All! - Chat with Eleanor Creagh

    Want to know what’s actually going on with Australia’s anxiety-inducing rental crisis?  

    Or where the market is really heading (based on insider’s data and knowledge?!)  

    Well folks, we’ve got an extremely wise and exciting guest sitting on the couch today to share just this! Please welcome…. 

    Eleanor Creagh!  

    She is the Senior Economist at REA Group (the brains behind realestate.com.au) and is a trusted financial commentator.  

    Specialising in property, financial markets and macroeconomic policy, she has a wealth of experience and knowledge within both domestic and international markets, and… 

    She’s here to share all of this knowledge today!  

    Here’s a sneak peek of the Q’s she’s tackling… 

    👉 Is the Commuter belt boundary extending??

    👉  Are we truly locked and loaded for a market crash? 

    👉 Will Units vs. Houses be favourable in this cycle? 

    👉 How do the experts identify we’re in a rental crisis and more importantly, how do we get OUT of one?!? 

    👉 What is a realistic market forecast for 2022/23?

    👉 How much further will interest rates really rise? 

     And so much more!!  

    (Including how she made her life changing career jump, from studying Veterinary Medicine…and ended up in Australia!!)  

    Tune in now to discover what the data reveals about today’s market, and where it’s really headed! 🤓  

     

    Free Stuff Mentioned… 



    Want to be on The Couch? We’re calling all potential 2022/23 Summer Series Guests! If you’d like to share your story, reach out to Stig here (We’d love to hear from you!!). 

    PIPA’s 2022 Breakfast – The Property Investment Professionals of Australia (PIPA) is hosting a breakfast seminar! The event will feature an expert panel who will discuss the future of property investment, especially in light of QLD’s New Land Tax. Click to get your tickets.  

    Read the results from PIPA’s Annual Property Investor Sentiment Survey 2022 here, and its official statement on its findings here.

    For more from Eleanor Creagh, read her articles published on realestate.com.au

    Leave us a Question! Have a problem you don’t know how to solve? Ask us on our SpeakPipe now. (Plus, you’ll get a free Start & Build course!) 



     

    Want to work with Bryce & Ben’s Award-Winning Team? 





    a roadmap to $2k per week passive income? >> Start a conversation with our Qualified Property Investment Advisors…  

    buying an investment-grade property in an investment-grade suburb? >> Start a conversation with our independent and experienced Buyers Agents… 

    • 1 hr 16 min
    Bonusisode | Your Ultimate Guide To Reducing Tax on Vehicles, Private Insurance & Land - Chat with Julia Hartman

    Bonusisode | Your Ultimate Guide To Reducing Tax on Vehicles, Private Insurance & Land - Chat with Julia Hartman

    With a number of policy changes on the cards, in our third episode of “Talking Property Tax with Julia Hartman,” Ben and Julia cover…



    * Salary Sacrificing For Cars: How do Salary Sacrificing and Novated Leases work? Plus, how can you tell if either is beneficial for you?

    * Electric Vehicles – What are the changes to Federal Government’s policy and when is the best time to buy?

    * Private Health Insurance – Is it worth it?

    * QLD Land Tax Changes – How can you get around it?



    Together they’ll reveal how these policies work and what actions are worth taking to reduce your tax repayments.

    Tune in now!

     

    p.s. If you are looking for an experienced and qualified tax accountant, you can reach out to us here 👉 https://thepropertycouch.com.au/tax

     

    Free Stuff Mentioned…



    Tune in to our other episodes of Talking Property Tax with Julia:



    Episode 1: The Top 5 Tax Rules Every Property Investor Must Understand

    Episode 2: Part 1 – Tax Planning Tips to Maximise your Returns

    * Episode 2: Part 2 – Tax Planning Tips to Maximise your Returns





    Check out BAN TACS, Julia’s own accounting practice which is also full of fantastic content around property investing and taxes!  

    * Are you searching for a property investment-savvy accountant? Book a FREE consultation with one of our qualified tax accountants here.  



     

    Here’s some of the gold we cover… 



    * 0:00 – What we’ve covered so far…

    * 3:29 – Salary Sacrificing For Cars

    * 9:02 – What are the potential tax savings?

    * 12:31 – Is it a case-by-case basis?

    * 15:31 – When to Buy an Electric Vehicle?

    * 17:41 – Instant Access Write Off

    * 20:20 – The fine print (how to make sure you’re covered!)

    * 25:16 – Private Health Insurance – The history of the Medicare Levy

    * 28:32 – How to avoid the surcharge!

    * 36:14 – Is it worth it?

    * 38:35 – QLD Land Tax Rules Change

    * 44:03 – A Real Case Study

    * 47:06 – Ben’s predictions for the future…

    * 47:45 – How can you get around it?



     

    • 59 min
    409 | Having It All: How To Make Every Move A Winner!

    409 | Having It All: How To Make Every Move A Winner!

    Folks often believe that it isn’t possible to achieve everything they want in life.  

    But what if, with the right sequencing and frameworks…

    It was possible to tick off everything on your bucket list?! 

    What if you could make every investment decision a “winner”, helping you to achieve your dream lifestyle? 🤯

    This is what we’re uncovering today with a real case study featuring Kevin & Bernadette (Not their real names): a young couple who are planning to achieve it all:  

    👉 Start a family with 2 (or 3) kids, 

    👉 Continue to build an impressive property portfolio that’ll earn them an $80K passive income, and  

    👉 Have a comfortable transition into retirement. 

    Starting off with an investment property that isn’t faring so well but with 2 steady incomes, we uncover how – through the power of frameworks, sequencing and paper trading – they can achieve ALL their life goals. 

    So how will they do it?!   

    Listen now to find out! 🤸‍♀️🤸‍♀️🤸‍♀️ 

     

    Free Stuff Mentioned… 



    Want to be on The Couch? We’re calling all potential 2022/23 Summer Series Guests! If you’d like to share your story, reach out to Stig here (We’d love to hear from you!!). 

    PIPA’s 2022 Breakfast – The Property Investment Professionals of Australia (PIPA) is hosting a breakfast seminar! The event will feature an expert panel who will discuss the future of property investment, especially in light of QLD’s New Land Tax. Click to get your tickets.  

    Leave us a Question! Have a problem you don’t know how to solve? Ask us on our SpeakPipe now. (Plus, you’ll get a free Start & Build course!) 

    Read this article by The Australian Financial Review on “Super funds excited by housing opportunities: Chalmers” (From Ben’s What’s Making Property News!)  

    Read this article which explains what we mean by “The Big Rocks in the Jar”! 

    Dig deeper into the essential frameworks here:  



    Episode 003 | Four Pillars of Mastery – Cash Flow Management 

    Episode 004 | Four Pillars of Mastery – Borrowing Power 

    Episode 005 | Four Pillars of Mastery – Asset Selection 

    Episode 006 | Four Pillars of Mastery – Defence 





    Episode 008 | Investment Stock vs. Investment Grade 

    Episode 016 (Part 1) | The 5 Essential Steps to Property Investing in Australia 

    Episode 016 (Part 2) | The 5 Essential Steps to Property Investing in Australia 

    a href="https://thepropertycouch.com.

    • 1 hr 6 min
    408 | Is It Time To Sell Up?!

    408 | Is It Time To Sell Up?!

    To sell, or not to sell, that is the question being asked by Queensland’s property investors.   

    We’re back with yet another gigantic Q&A, involving one of the most contested issues in Australia’s property market: Queensland’s New Land Tax.    

    And as Jean, one of our listeners asks, “Is it time to sell up?!”    

    We’ll be revealing the realistic options that property investors have and as Bryce says, how to defeat “the monsters under the bed” when it comes to scary situations like this.   

    Plus, we’re diving into where all this money created by higher rates is going, (Who actually benefits from it?!)   

    And we balance out these topical questions with some evergreen challenges faced by investors like…  

    How to keep investing when your income unexpectedly halves – like going on Maternity leave – and how to break free from the prison of cross-collateralisation (aka. Cross securitisation)!   

     There’s tons of new and old wisdom for you today folks, tune in now!!   

     

     

    P.S. The Property Investors Council of Australia (PICA) have missed an invite to the crucial QLD Housing Summit. If you, like us, believe that having the voices of private “mum and dad” investors is important, please help us out!  

    Tweet (or re-tweet) “Bring the Property Investors Council of Australia  (#PICA) along to the @QLDLabor 2022 Housing Summit!” on Twitter. 

    We’d love to be able to represent these everyday investors and repeal the Great Queensland Renter’s Tax. 

     

     

    Questions We Answer…

    Q1 Jim on Interest Rates – where does the extra money go?  

    Good day Bryce and Ben and Ivise, 

    How are you? 

    My questions is around interest rates going up and what happens to the extra money that’s collected from mortgage payments?

    Do the banks get their cash from the RBA?

    If so, where does that extra money actually go? 

    I understand that some money can come from offshore. The banks getting the (inaudible) to extra cash. The difference between from what they can source their money atand what they’re charging in interest rates? 

    It’s good to know what happens there.

    Keep up the good work.

    Love the podcast.

    Cheers! 

     

    Q2 Bec Muser on What to do now we’re on Maternity Leave? 

    Hi guys. 

    Hoping you could talk about maternity leave. 

    I have only recently started listening to your podcast and I think about 5 new episodes a day and 78 previous episodes deep. We had a baby pre-term so I’ve been dropping to and from hospitals and you guys have been keeping me sane. 

    Our pre-term baby mean that our maternity leave situation started 15weeks earlier than we had planned. While that has not financially impacted us in terms of lives management, it has put a big bump in the road for our property investment goals. 

    We have 1 investment property where we successfully access 225k worth of equity from that property and have that in the bank all done in Sydney.  We also have 75k worth of savings on top of that the 300k in the bank ready to go but I’m now on half pay maternity leave for the next 6months. We’re just wondering what’s the best course of action is now in terms of do we sit and wait or is there something that we should be doing even though we’re on maternity leave. 

    Thanks guys. 

    Q3 Mel on Cross Collateralised Properties 

    Hi guys, it Mel here.

    Big fan. I’ve listened to all of your episodes.

    • 1 hr 8 min
    407 | Which Debt Should I Pay off First?!

    407 | Which Debt Should I Pay off First?!

    Have you ever wondered if there’s a “right” way – or smart life hack – to pay off debts?  

    Like is it better to pay off your investment property….before your Principal Place of Residence?! 🤔  

    Well folks, we have just the Q&A for you today where we tackle this very question and answer: Does this really shave off any debt?!?  

    At the core of this Q&A is how folks can maximise their opportunities and be money smart…

    From renting your home as a holiday house to transferring a negatively geared property to your name, these folks have extremely interesting and niggly questions that we can’t wait to unwrap and sink our teeth into.   

    Tune in now to get (money) smart folks!  

     

    Questions We Answer…

    Q1) Tracey Johnston on Transferring Property from Trust to Own Name 

    Hi, love your podcast and thanks for your advice. 

    Myself and my husband are in our mid 50’s and retiring in about 10years. We have 3 investment properties and No PPR. One of the IP’s has dual income and its owned in a discretionary trust, but it’s an older property with a few significant repairs and it’s heavily negatively geared. 

    We’re thinking of moving it to our personal names, given the quarantine of those losses, and we understand it’s a costly transfer, however if the pros and cons, retiring in less than 10 years and quarantining all those loses, we’re starting to think that it may be more advantageous to do it now.  

    I know you’ve answered a few questions on Trusts, just interested on if there is ever a good situation to transfer.  

    Thanks 

     

    Q2) Sala on Credit Card Surcharges and Money Smarts 

    Hi Bryce and Ben, 

    Thank you for the show. I’ve listened to all 401 episodes and enjoyed every single one of them.

    My question is about paying your bill with a credit card with a surcharge vs keeping the money in an offset account for 55 days?

    Which option is better?

    Thank you.

    Q3) Kyle on Renting our home in Ocean Grove whilst you’re on holidays

    Hi Bryce and Ben,

    Big fan of the podcast, thank you very much for all the contents you guys put out there. Certainly found it very helpful along my journey. I just had question in regards to listing your home on a holiday rental site.

    In context, I live in a coastal town in Victoria called Ocean Grove and I’m considering putting my home up for rent while I’m away on holidays myself.

    I just wanted to know what you guys think I should consider and any tips you might have?

    Thanks again and Go Cats!

     

    Q4) Shannon on Pay off PPOR or Investment Debt First 

    Hey guys, Shannon here.

    Long time listener and first time recorder.I just wanna say thanks to the both of you for the work that you do.

    You guys are the reason we made a decision to purchase our 2nd property investment at the start of covid in Frankston in Melbourne.  Very scary initially but we’re reaping the rewards now.

    My question is once you finished the accumulation phase and you have all the investment properties that you require, at consolidation phase, I know you guys (and lot of you people say) to pay down your Principal Place of Residence first for tax reasons, I wanted to entertain paying down the investment properties first and I’d like to know your thoughts on that.

    Thanks

     

    Free Stuff Mentioned… 



    Want to be on The Couch? With the weather warming up we’re starting to plan for our 2022/23 Summer Series!

    If you’d like to be a guest, reach out to Stig here (We’d love to hear from...

    • 1 hr 1 min
    RBA Cash Rate September 2022: From Trough to Peak: How Bad Is Today’s Market?

    RBA Cash Rate September 2022: From Trough to Peak: How Bad Is Today’s Market?

    Inflation is at a 20-year high at 6.1% – and continuing to rise.  

    So how has the Reserve Bank of Australia responded in its September cash rate?  

    Tune in to find out and uncover if Australia’s cash hikes are set to slow down soon…or if the RBA’s new forecast reveals otherwise. 

    Across the globe, the inflation story continues to unfold and trade tensions between Russia and the Eurozone simmer. We see oil prices and energy suppliers shifting which leaves the question: How will it impact Australia?  

    Plus Ben unpacks these key themes in this month’s economic update: 



    The US Fed’s warpath against inflation   

    RBA is back at it again with another rate rise  

    Why APRA must act now to reduce its buffer rate 

    The trough and peak results in Australia’s property market during COVID 



     

    Quick tip! If you’re keen to forecast your cashflows through this period, use the handy MoneySTRETCH feature on our free money management platform, Moorr. Click here to sign up or log in. 

     





    Plus, Ben also includes his latest news and commentary on…

    👉 Outcomes from Australia’s Job Summit and how immigration will affect our economy

    👉 China’s stimulus packages and the economic impacts of its zero COVID policy

    👉 The RBA’s updated forecast for the future

    👉 Job vacancies vs. Unemployment rate: Which is higher??

    👉 Consumer Confidence put to the test (Have we curbed spending?!)

    👉 Wage Growth and its effects on Borrowing Power

    👉 Housing prices tumble

    👉 Housing Credit and Building Approvals figures: Is there a housing shortage on the cards?

    👉 CoreLogic’s Home Value Index – 1 September 2022 

    And much more! 

     



    Additional free resources:

    🔥 Episode 169 | Alan Oster – NAB’s Group Chief Economist – on Interest-Rate Rise, Tax Cut and The Future of Residential Property

    🔥 Episode 389 | Interest Rate Rise: What this means for YOU! – Chat with Evan Lucas

    🔥 Episode 390 | Will Interest Rates CRASH the Property Market?!

    🔥 Episode 404 | What do Inflation, Interest Rates & Broccoli have to do with Property?!

     

    And One Final Word…

    If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

    Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.



     

     

    DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents...

    • 46 min

Customer Reviews

4.4 out of 5
17 Ratings

17 Ratings

Jggda ,

Amazing podcast

They’re giving back an amazing amount of information for free. Make financial freedom achievable for everyone.

Carn the Blues - 2021 is the year of Carlton

Miles Mckirdy ,

Good blokes, great listen - a must for anyone interested in property investing

I’m a complete layperson when it comes to real estate - listening to Ben & Bryce gives me that little bit of confidence and knowledge to go out there and buy my first investment. Good banter, good guys, great show.

gerard4170 ,

Property investment xperts with a friendly banter - terrific!

One of the most entertaining and informative podcasts on the Internet. Binge listen to all the backdated episodes - just excellent. Essential education for anyone has has invested or intends to invest in residential real estate. Also, full of life coaching tips to manage money better and improve your own quality of life by taking responsibility for creating financial independence in retirement. Just a great podcast - highly recommended.

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