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24.01.2022 On a scale of 1 to 10, how would you rate your financial IQ? And, if youre honest, how would you rate your ability to tell a good investment strategy from a bad one? You see, most of the time, we invest in what we initially thought was a good idea...... Only to end up wasting time, energy and money in lost opportunity cost.. However, by gaining a better understanding of your own financials in congruence with how the game of life is being played You can stay on track and accelerate yourself towards the life that you desire. Today is the second part of our Property and Business series with Charley Valher, Founder and CPO of Valher Media. A series designed to help answer the question that all business owners must face Whats next? And today, well talk about what makes property investing different for business owners How they can go about debt financing and make it work for them... Why Rentvesting is a good way to save up on your taxes... And heaps more! See you on the inside! In this episode we cover: Goals and desires can be the same, but achieved in different ways [05:33] Borrowing is more challenging for business owners than it is for employees [08:23] Be cautious of how heavily you invest in your business (for taxes) [12:15] Buying new, unnecessary equipment to save up on tax is a bad idea [14:12] Clear out your debts first before investing in real estate [17:47] Credit card liabilities affect your borrowing capacity - even when fully-paid [19:32] A lenders risk assessment of your finances & their risk tolerance [22:14] Risk assessment of digital assets may be harder for lenders [26:53] Taxes in relation to business owners and real estate investment [28:45] Should you set up separate trust accounts for each property or asset? [34:03] How separate trust structures impact tax rates for your properties [37:30] There is no one-size-fits-all strategy for different financial circumstances [39:07] The secret to success regardless of financial background [43:22] How Rentvesting allows you to reduce your taxes [45:20] Life can be easy, but its our job to work out how to make it so [48:15] Rentvesting holds a massive potential that everyone should harness [49:39] Lifestyle design and living life the way you want it [51:31] Listen to the full episode: https://link.chtbl.com/theinvestorlabepisode53 Watch the full episode below!

22.01.2022 Small Family Scores 0.5% Vacancy Rate and 6% Yield on First Investment with Development Potential Is your work making you spend less time with your family than what you wanted? Thats exactly the situation couple Rodney and Michelle were in.... Their life was the picture of a perfect householda good flow of income, a sustainable job, a successful business, and a nice warm home full of love and care. They had everything a family could ever want in their lives... Except time. At this point, they were ready to make the shift and create a second income stream so they could focus their time on things that matter. However, just like any first-time property investor, they didnt have the slightest clue on how to start building a portfolio.... And thats when they came to us for help (and were so glad they did)! Unfazed by the pandemic, they were more than ready to get to the next level of success. Gabi and I were very excited to present this lovely property with a land size that holds massive future development potential! Take a look at the stats: - 0.5% Vacancy Rate - 6% Yield / Cash flow Positive - 738m2 Land Size - Strong growth location - 87% Land Value - 8/10 Lifestyle Score - 8/10 Convenience Score - Ready to rent With their first property, Rodney and Michelle have found a way to create residual income, giving them plenty of time to spend with their family. Allow yourself to be time rich too, and start designing your life the way you want it. Want us to do the work for you and help you secure the right property to suit your strategy? Book in a quick call now to see if our buyers agency can help you! https://dashdot.as.me/discoverycall

22.01.2022 Home Loans Increase As Restrictions Ease In June new home loans rose 6.2% compared to May, with the housing finance sector adding $17.4 billion in value, show the latest figures from the Australian Bureau of Statistics. One company to confirm the uplift is Mortgage aggregator Finsure Group which settled $15.6 billion in loans during FY2020, reflecting a year-on-year increase of 23%, despite difficult market conditions.... The recent improvements are attributed to Covid-19 restrictions being lifted in most parts of Australia and the announcement of the HomeBuilder scheme. ABS chief economist Bruce Hockman says: The rise in housing loan commitments in June reflects the easing of Covid-19 restrictions in May on auctions, open houses and mobility in general. RateCity research director Sally Tindall agrees. Its not surprising to see new lending has bounced back in June, as restrictions began to lift on auctions and open homes in May, she says. According to the ABS, new owner-occupier loans rose 5.5%, while investor loan commitments increased 8.1% over the month. Owner-occupier loans through first-home buyer loan schemes rose 3.3% over the period.

21.01.2022 Tree Changers Drive Regional Prices Regional areas in the eastern states are booming as city residents seek a sea or tree change to escape a restrictive coronavirus lifestyle and as working from home becomes the new norm. Since COVID-19 lockdowns began, there has been an interesting shift in search activity to regional NSW, says REA Chief Economist Nerida Conisbee.... The Richmond-Tweed appeal appears to be driven by white collar nomads, released from the shackles of their CBD offices. Since June, the Master Builders Association of Victoria has noticed spikes in demand in the three regional cities closest to Melbourne, as well as in Shepparton and Wodonga. MBAV chief executive Rebecca Casson says the new normal of working from home has combined with the $25,000 HomeBuilder grant, and $20,000 in bonus grants for first-home buyers who build a home outside of the city, to rejuvenate the regions. Other reports state that people are buying properties in South East Queensland, often sight unseen. The overall result is increased demand which is driving up prices, says Conisbee.

20.01.2022 Have you ever thought about what would happen to you and your business if the market suddenly shifted? Or what would happen if you didnt, or couldnt, show up to keep the wheels turning? You see, most business owners focus all of their time and energy on building a better machine ... But very few have a plan for what would happen if they need to, or want to, stop working one day. If youre someone who wants to have a more stable future and create more time, and more freedom... But dont want to end up sacrificing your business along the way... Then this episode is perfect for you. Today marks the first part of our Property and Business series with Charley Valher, Founder and CPO of Valher Media. A series designed to help answer the question that all business owners must face Whats next? And, today well talk about why you need to start thinking about property investing How you can use real estate debt to your advantage The secret power of rentvesting And heaps more! See you on the inside! In this episode, we cover: Why Charley started thinking about propertyand why you should, too [08:00] Owners tend to build businesses that cant flourish without them [10:40] Property investment allows you to create other pillars of wealth [15:01] How to break free from your business through Rentvesting [17:43] How Goose discovered the ultimate hack to property investing [21:19] Diversification: Taking money from your business and investing it in property [29:24] Factors that can potentially change the market in the future [35:25] Proximity doesnt necessarily equate to business growth [42:15] Charleys initial belief thresholds on various investment possibilities [44:09] Decoding real estate debt [48:04] The property market is non-linear and moves in cycles [52:59] Property core drivers are key in making good investment decisions [57:08] No business owner wants volatility in their property portfolio [59:38] Always prepare for whats next [1:01:42] Listen to the full episode: https://link.chtbl.com/theinvestorlabepisode51 Watch the full episode below!

20.01.2022 Property Prices Hold Firm CoreLogic says property prices are holding up better than expected during the pandemic. Its latest data shows Adelaide home values haveincreased since Covid-19 intensified in March and are up 0.7% since then.... Overall, theyre up 2.4% over the past 12 months. CoreLogic says Adelaide traditionally performs well during economic shocks, because it has a lower percentage of investor-owned properties. Three other capital citys home values were higher or flat between March and July, Canberra being up 1.3% and Hobart up 0.8%, while Darwin recorded no change. In the same period, price falls in the remaining cities were modest, except for Melbourne. Brisbane values dropped 0.6%, Sydney fell 1.7% and Perth was down 2%. This is a stark contrast to initial predictions from some economists of falls between 10% and 30%. Federal Government wage subsidies and stimulus packages designed to support Australians through the Covid-19 period are helping to keep the economy and property markets solid.

14.01.2022 Demand For Housing Still Strong Underlying demand for housing remains strong despite the pandemic, says AVJennings Managing Director and CEO Peter Summers. The national housing developer had expected a strong 12 months to June, but land sales dropped back from March when Covid-19 struck.... Before March, sales momentum had been fairly strong after recovering from the earlier impact of the bushfires, Summers says. Following a low uptake of fewer than 60 contracts in each of March and April, AVJennings signed 80 contracts in May and 100 in June. As a result, the developer entered the current financial year with 385 contracts on hand on par with a year ago with a further 76 sales recorded in July. The HomeBuilder scheme hasnt created demand but it has underpinned and motivated buyers to move forward with their purchases, Summers says. The housing market is all about confidence. Price moderation and stimulus provided the opportunity for first-home buyers, who tend to act quickly. Summers says the second lockdown in Victoria has not had a huge impact on demand.

14.01.2022 Are you confident that you, your business, or your property portfolio will stay afloat if an economic downturn suddenly happens? What if you realise that the business model or property strategy youve invested years on is not really for you? Sometimes, we get bad advice from different people without really knowing what kind of risks weve exposed ourselves to... And before we know it, weve already signed up for the ultimate recipe for disaster! If youre someone who wants to understand potential risks and how to mitigate them... Then listen up and learn how not to crash your business or property vehicle. This episode marks the third part of our Property and Business series with Charley Valher, designed to help answer the question all business owners must face: Whats next? In this episode, we talk about how to choose the right business or property model Why you should put more priority in getting the right team Different business and property risks... And loads more! See you on the inside! In this episode we cover: Different business models work for different people [07:49] Negative-gearing businesses wont create more time, freedom, and money [11:16] Property investing may not be designed for business owners [15:00] Stock Trading is a more active strategy than you think [17:54] Having the time to commit is a huge factor in choosing the right business model [20:43] In real estate, its crucial to have a team that shares your values [22:29] Never try doing it yourself - get advice from the right team [26:54] 90% of property investors dont achieve their desired financial outcome [32:54] Why diversification is a good way to reduce risk [36:27] If you purchase a property, always have 3-months worth of rent as a moat [40:59] Properties can pay for themselves [47:27] Never let yourself get into a negative equity position [50:56] Efficiency plays a great factor in high LVR percentage scenarios [52:12] Owning a single, debt-free property vs having diversified properties with loan [55:06] Positive cash flow is the ultimate cure-all for businesses and properties [58:51] The two biggest mistakes that business owners can make [1:02:39] Listen to the full episode: https://link.chtbl.com/theinvestorlabepisode55 Watch the full episode below!

14.01.2022 Property Markets Remain Resilient Housing markets have remained resilient through the coronavirus period, shows new research from CoreLogic. In the month of July, dwelling values across the combined capital cities only fell 0.8% while values in regional markets stagnated at 0%.... Viewing the data from a quarterly perspective, dwelling prices rose in Canberra (up 1.3%), Hobart (up 0.9%) and Adelaide (up 0.3%) with regional areas also delivering positive results. Prices were up in regional NSW (0.7%), regional SA (1.6%) and regional Tasmania (1.4%). The impact from COVID-19 on housing values has been orderly to-date, with CoreLogics national index falling only 1.6% since the recent high in April and housing turnover has recovered quickly after its sharp fall in late March and April, says CoreLogics head of research, Tim Lawless. In the three months following the rapid fall of home sales in April, sales have been tracking 2.9% higher than the same period in 2019. Overall, dwelling prices nationally remain 7.1% higher than at the same time in 2019.

12.01.2022 How These Family Business Owners Gained $4,370 of Cashflow Without Doing Any Work What are you going to be doing when you are 50 years old? How confident are you that youve done enough to ensure that youre going to live a comfortable second half?... Well, this was something that our clients Brad and Louise had to confront before coming to work with us. You see, for years, they had both worked hard, grown a successful small business, and focussed on raising a beautiful family in a loving home. But Now, in their 40s they had to start squaring up to a sobering thought Ok, so, what happens next? And in answering this question they realised that they really didnt have much in place to ensure they would be able to retire in a way that would make the years of hard work all worthwhile. Which is why they came to speak to us. When we started working together, the directive was pretty clear: We need to go fast, we dont have a lot of time, we cant afford to make mistakes, and we need to create some additional income. And all of this needed to be done in a way that would allow them to keep focussing on their business and family. Thankfully, this is what we specialise in! We were over the moon to help them secure a property which will add $4370 of cashflow to their retirement fund every year, whilst being confident that this area is imminently going to be growing, and fast! Lets look at some numbers: - Purchase Price: $280,000 - Est Value: $300,000 - Cashflow: $4,370 - PH%: 1% - Vacancy Rate: 0.3% - Growth Zone: YES - Flood Zone: NO - Supply Risk: LOW With this, they can start living worry-free about their future and focus on the here and now. Time is precious - dont wait until its too late. Want us to do the work for you and help you secure the right property to suit your strategy? Book in a quick call now to see if our buyers agency can help you: www.dashdot.com.au/discovery

11.01.2022 Boomers Renovate To Stay Put Many Baby Boomers are planning to stay in their existing homes for at least another 10 years, according to a survey by Houzz & Home Australia. This possibly explains why a large proportion of them undertook a... major renovation in 2019. The survey found that 48% of home-owners carried out renovations to their home in 2019. Of those, 45% were Baby Boomers (those aged 55 to 74), up from 40% who had reported a renovation the year prior. The median amount spend on the projects was $18,500 for the Baby Boomers, which was higher than Millennial median spending of $12,000, but lower than Gen X spending, which was typically around $20,000. Gen X are aged 40 to 55; Millennials are aged in their 30s. The motivation for undertaking projects by each group was explained as wanting to do it all along and finally having the time. Being financially secure and having the financial means was also a factor for 42% of Baby Boomers who carried out renovations.

09.01.2022 How this Entrepreneur Couple achieved $19,188.49 of positive cashflow from just one property. Have you ever wondered what life might be like if you didnt have to trade your time for money any more? Well, youre not alone.... In fact, when Charley and Bianca came to work with us, this was a question they too had been wrestling with. You see, as business owners, they had both mastered the art of creating a reliable revenue stream However, this presented a new and unexpected question.. Well, now what?! Because, there are a lot of people out there teaching business owners how to make more profit but no one is talking about what youre supposed to do when that happens. And, like most people, they still found themselves in a position that if they didnt show up in their businesses, ultimately the machine would stop working. They knew that there must be a better way. A new level to be unlocked, which would allow them to turn their revenue into freedom. Which is why they came to us. Now, I want to preface this by saying: These results are not usual. But it really helps to see what others have achieved, so that you too can take action and achieve greater levels of success. In this case, we managed to find and acquire a duplex, WITH a granny flat located in a high demand growth area, with very low vacancy rates. So, lets have a look at some numbers Purchase Price: $620,000 Estimated Value: $650,000 Yield: 8.4% Cashflow: $19,188.49 Vacancy Rate: 1.1% Want us to do the work for you and help you secure the right property to suit your strategy? Book in a quick call now to see if our buyers agency can help you! https://bit.ly/2Zf0oQC

09.01.2022 Rental Markets Tighten Nationwide Residential vacancies in outer suburbs and regional areas fell sharply in July, as professionals avoid their inner-city units because of the coronavirus and the ability to work from home. The SQM Research July report showed a drop in vacancies in all capital cities except for Melbourne where it rose by 0.1 percentage point to 3%.... Most capital cities have vacancy rates below 1.5%, but vacancies in the CBDs remained high: Brisbane was 13%, Sydney 13.2% and Melbourne8.8%. By contrast, vacancies in regional NSWs Blue Mountains fell to 1% its lowest level in 10 years. On the NSW Central Coast, vacancies fell to 1.1% from 2.7% in December while empty rentals on Queenslands Sunshine Coast have fallen to 0.7%, a drop from 1.8% in December. The latest vacancy report from the REIQ shows that some Queensland towns are having their tightest rental markets on record. REIQ CEO Antonia Mercorella says the latest figures show the state overall is facing the tightest rental conditions since the GFC.

08.01.2022 Clearances Hold Firm As Listings Rise The latest weekly auction clearance rates across seven capital cities are almost on par with the same time last year, sitting at 66% compared to 68% recorded a year ago, according to CoreLogic. Achieving a 66% success rate, Sydney held 642 auctions last week, up from 566 over the previous week and 367 this time last year.... Across the smaller cities, Canberra came in with the highest preliminary clearance rate over the week (73%), followed by Adelaide (71%). Melbournes auction clearance rate rose to 73%, albeit on a low volume, as fewer vendors pulled out and more buyers proceeded, despite the ban on onsite auctions and private home inspections. Listings, which usually fall in winter, rose across the nation in July. Over the month, new listings were up in Canberra (41%), Hobart (34%), Sydney (22%), Darwin (18%), Brisbane (16%), Melbourne (10%), Adelaide (8%) and Perth (4%).

06.01.2022 Young Family Snags Property with $2400 Positive Cashflow in Solid Growth Zone. Ever wanted to build a portfolio that works for you, rather than you working for it? But... ... Not sure where to start or how to do it? Well, that was the case for Phinu and Biby. Just like any other young family, theyd always wanted to spend less time on their jobs and more quality time with their family. They wanted to have the financial freedom theyd always yearned for. And being a clever bunch, they knew exactly what the solution to their problem was. However, without much experience in buying properties outside Sydney, they felt nervous dipping their toes into the pool. It was too risky to try and wing it - and could be costly, too! So thats when they came to us for help. To build a scalable portfolio that is cash flow-positive, and will set them up for their next purchase, we found something for them with an awesome value proposition: - Purchased for $350,000 (Circa $30k Under Market Value) - 655m2 - future knockdown development potential - 5.0% Gross Yield = approx $2400 cash flow-positive - 77% Owner Occupier in Neighbourhood - 0% Public Housing - 0.7% Vacancy Rate - Very well-maintained, high tenant-appeal - 5-minute drive to Westfield, 30-min drive to CBD The next person to become a master of their own lifestyle design could be you! Want us to do the work for you and help you secure the right property to suit your strategy? Book in a quick call now to see if our buyers agency can help you: https://dashdot.as.me/discoverycall

06.01.2022 Did you know that you can outperform other investors by predicting the future of the property market? What if there is a way for you to foresee how it will be doing in the next three or four years? As unreal as it sounds, it is possible.... With the power of technology and algorithms, you can give yourself the leading edge advantage that youve always wanted. Today, well talk with two expert property market analysts, Matt and Sasha of Higher Than Average Growth, about how to leverage your knowledge of the future to outperform investors. Well talk about machine-learning algorithms and how its different from AI... What makes the human element essential to this kind of technology... Why there are multiple growth drives that factor in... And lots, lots more! See you on the inside! In this episode, we cover: The origins of Higher Than Average Growth [04:49] The team behind HTAG [09:11] Using past property market performance data to predict the future [11:41] Challenges in predicting the property cycle, all variables considered [15:41] How HTAG measures accuracy [18:15] AI vs machine-learning algorithms and their roles in property investing [20:09] The downside of applying technology to property investment [25:21] The biggest drivers of the growth of an area [30:02] The future of HTAG [36:16] Data interpretation still requires a human element [37:45] The only way to get your answers would be to keep probing [41:15] To train an algorithm, you have to feed it with a good diet of healthy data [42:40] Listen to the full episode! https://link.chtbl.com/theinvestorlabepisode54 Watch the full episode below!

06.01.2022 Searches For Home Offices Increase The number of home buyers searching for a home office as part of their next property purchase has risen for the second time since the onset of the coronavirus, new data shows.... Prospective buyers are also looking for extras like a home studio, retreat, garden or a courtyard for extra space, the keyword search data on Domain shows. It builds on the growing trend of more people working from home across Australia. Domain senior research analyst Nicola Powell says the surge in searches in Victoria was much more pronounced than those in NSW, as Melbourne and Victoria have faced multiple lockdowns over the year. Victorian searches for a home office were up 1107% between June and July. This coincided with its stage three and four lockdowns which forced more people to work from home. By comparison, NSW home office searches rose 17%. The largest increase in search criteria in NSW between June and July was for retreat, which was up 78%.

05.01.2022 How would you feel about getting a 6.24% yield or more in the midst of a pandemic? Or what if you got 12.9% growth during the middle of an economic crisis? Today, well talk about a few of the Top 20 property purchases we made for our clients... How real estate has transformed peoples lives over the years...... Why you should stop waiting and start taking action... And heaps more! See you on the inside! Full episode: https://link.chtbl.com/theinvestorlabepisode52

05.01.2022 Vendors Happy With Sale Prices Australians are happier now with the price they received when they sold their home than they were a year ago, according to new research. RateMyAgents half-yearly Price Expectation Report (January-June 2020) asked 33,000 successful vendors if the sale price achieved was above, below or in line with their expectations.... Results showed an increase in satisfaction year-onyear, with overall net happiness up 12% from June 2019 (27%) to June 2020 (39%). Although vendor price satisfaction fell in March and April, when compared to the same period year-on-year (April 2019), April 2020 still reported an 8% increase. The stabilization can be linked to a fall in property supply in April when buyers had to compete for a reduced number of properties. This kept prices stable, improving vendor sale price satisfaction. The return of consumer confidence is largely attributed to various government stimulus packages like HomeBuilder, JobKeeper and JobSeeker, says RateMyAgent CEO and co-founder Mark Armstrong.

05.01.2022 How these entrepreneurs made $120k in a day, without doing anything. How would you like to make $120k in a day without doing anything? Now I know that sounds ridiculous ... But, let me tell you about a couple of clients of ours who recently did just that. These two guys are business partners, who came to work with us because they had mastered the art of profitable business building and as awesome as this is, it was also an achilles heel. They had never really worked out how to create real wealth outside of their business. It was time to start building a real estate portfolio. Which is where we came in. And, whilst their results are not typical They deserve extra credit for securing this opportunity during the middle of the COVID panic, when everyone else was waiting in the wings. So, lets talk about the deal Well first things first it was actually two deals though this was never the plan. We set out to buy one property, but when we found two almost identical properties side by side. And on a corner block And developable... And under market value We couldnt say no! In total, across the two neighbouring properties Purchase Price: $880k ($440k Each) Bank Valuation: $1.01m ($500k Each) That is $130,000 in bank valued instant equity!! But thats not all. It is also subdividable into FOUR lots (which we plan to do in a couple of years) Has existing tenants. Is in an area of just 0.7% Vacancy Rate And is pulling in a yield of just a shade under 5% is this the deal of the year, or what!? "Goose was very helpful with our property purchase. He managed to find us an awesome deal which created instant equity. Definitely would recommend using Dashdots services. We are lining up our next purchase now." Want us to do the work for you and help you secure the right property to suit your strategy? Book in a quick call now to see if our buyers agency can help you! https://dashdot.as.me/discoverycall

04.01.2022 Interest Rates To Stay Low For 2yrs Borrowers can expect low interest rates for another two years following the Reserve Banks decision to leave the cash rate at 0.25%, says financial adviser Alex Jamieson from AJ Financial Planning. Property investors can breathe a sigh of relief with interest rates expected to remain low for at least the next two years, he says.... With the Australian government bond paying only 0.26% on a two-year term, this provides us with some indication of where the markets think the interest rates are headed, which is nowhere. The market is pricing in no material hikes for the next two years. AMP Capital economist Shane Oliver does not expect a change in interest rates anytime soon either. The RBA could drop the cash rate to 0.1% but they dont want to go to negative rates, he says. Even if they did, it would only have a small impact on mortgage rates. The RBA says the economic downturn is not as severe as earlier expected and a recovery is now under way in most of Australia.

04.01.2022 On a scale of 1 to 10, how would you rate your financial IQ? Today is the second part of our Property and Business series with Charley Valher, Founder and CPO of Valher Media. Well be talking about what makes property investing different for business owners, how they can go about debt financing and make it work for them, and more! See you on the inside!... Full episode: https://link.chtbl.com/theinvestorlabepisode53

02.01.2022 HomeBuilder Boosts New Home Sales Sales of new homes have risen significantly because of the Federal Governments HomeBuilder stimulus package, according to Housing Industry Association analysis. The onset of the pandemic in March saw the new home sales market and consumer confidence fall drastically.... But in the two months following the June announcement of the $668 million grants package, sales numbers rose 64% compared to the two months prior. Chief Economist at the HIA, Tim Reardon, says the $25,000 grant to eligible new residential homes, together with the improving health conditions and easing of restrictions across most jurisdictions, caused confidence in the market to improve. WA is the biggest beneficiary of the grants program, supported by affordable housing and additional state government assistance. Its sales have risen 171% since the June announcement. South Australia was another strong performer through the period, recording a 142% increase, followed by Queensland (up 42%), Victoria (up 40%) and NSW (up 10%).