In this episode of the Investing Insights podcast, Steve Waters and Victor Kumar delve into the current state of the property market, shedding light on effective strategies to protect and enhance borrowing capacity. They challenge the negative media portrayal by revealing that good quality investment properties are selling above listed prices. 

Emphasising the need for financial education and informed decision-making, they address different investor groups and stress the importance of taking action and managing cash flow effectively. With a focus on planning for contingencies and leveraging finance responsibly, this episode provides valuable guidance for navigating the property market.

Key Takeaways:
1. Despite media negativity, good-quality investment properties are selling well above the listed price.

2. Different investor groups exist: panic sellers, aspiring investors facing financial constraints, and adaptable strategists.

3. Taking action and managing cash flow are crucial; planning for contingencies and having buffers in place is essential.

4. Five points to protect and enhance borrowing capacity: manage income and expenditure, explore options from abundant lenders, leverage interest-only loans, prioritize liquidity and equity harvesting, and differentiate between investment and discretionary spending.

5. Non-deductible debt, such as car loans and credit card debt, significantly impacts mortgage serviceability and borrowing capacity.
 
Tune in to the full episode to gain valuable insights from Steve Waters and Victor Kumar on protecting and enhancing borrowing capacity in the property market. Engage in the discussion and learn practical strategies for financial success in property investing.

EP106 The Five Absolute Finance Musts for Property Investment Success

While it’s easy to get sidetracked by the “noise” brought on by new data points, shifting market trends and policy changes, these experts advise property investors to keep their eyes on the long-term prize. 

In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters, and Victor Kumar take an in-depth look at the current state affairs of the markets that are “doing it tough”, areas that are steadily progressing even during the downturn, and even those that are recording “explosive growth”.  

Highlighting the limitations of relying on data devoid of on-the-ground insights and only providing a short-term market view, the trio underscores focusing on the lasting value that property assets offer investors in the medium and long term. 

Lastly, they give their forecasts on how the rest of the year will unfold for the property market – notably the spring selling season – before explaining why they believe the stage is set for long-term growth.

EP 107 Future-focused investing

With the market cycle now at a critical crossroads, these experts say investors who’ve aced the basics are primed to emerge on the winning side.

In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss how there are still opportunities to capitalise on despite the “pain” being felt by real estate investors in the current market.

The trio explains how doing the necessary pre-work, such as setting clear goals and having financial buffers, enables real estate investors to sail through rough waters that may arise in the property market cycle.

Lastly, they unpack the often-held notion about property investors, delve into why landlords are on the losing side of the “blame game” amid the rental crisis, and explore the concept of investing ethically in today’s market.

EP 108 Back to basics

Join host Steve Waters and Victor Kumar from Right Property Group in a knowledge-packed episode as they sit down with finance experts Wayne Hedley and Sze Chuah. Together, they unravel the complexities of property financing and investment strategies, offering invaluable insights to help you navigate the world of property finance with confidence.

Episode Highlights:
1. Understanding Borrowing Capacity and Equity: Learn how asset selection influences borrowing capacity and the crucial role of lender diversification in optimizing serviceability. Explore leveraging equity strategically for increased borrowing capacity.

2. Income and its Role:Understand the significance of genuine income for loan approval and how lenders assess risk, interest rates, and living situations based on income.

3. Debt and Serviceability: Gain insight into varying lender approaches to assessing debt and income, along with the impact of debt-to-income ratios (DTI) on borrowing capacity.

4. Equity Harvesting and Repayment Structures: Harness equity strategically to enhance borrowing capacity. Explore the power of interest-only lending and balancing deductible and non-deductible debt.

5. Commercial and SMSF Lending: Uncover the rise of SMSF lending for property investment, overcoming personal serviceability constraints, navigating commercial loans, and Lease Doc loans.

6. Market Trends and Mortgage Possession Sales: Gain insights into current mortgage possession sales trends and how liquidation companies handle these sales with multiple reserve levels.

Empower yourself with expert knowledge by tuning into this engaging episode. Victor, Steve, Wayne, and Sze shed light on the intricacies of property finance and investment strategies, emphasizing planning, diversification, and leveraging equity to make informed investment decisions.

Ready to take your property investment journey to the next level? Don't miss out – hit play and embark on a path to financial success!

Contact us today to learn more about how we can help you invest in property with confidence at www.rightpropertygroup.com.au

EP 109 Decoding Property Finance and Investment Strategies

In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss the importance of understanding property investment life cycles.

They stress that property investing is not a linear journey, but rather a series of ups and downs and twists and turns, unpacking the need for investors to define their own goals and wealth-creation strategies and not get caught up in cliches or comparisons with others.

They then address the need for constant decision-making and re-evaluation of one’s strategy  throughout the investing journey, and delve into the impact of media sentiment on investor behaviour, stating the importance of not following the herd.

EP 110 Let’s talk life cycle

Welcome to another episode of Property Investing Insights with Steve Waters and Victor Kumar. Today, we're diving into the fast-paced world of real estate and the importance of understanding the tempo of the market. 

We'll explore how market conditions can change rapidly and what it takes to stay ahead and make the right decisions in this dynamic environment. So, if you're looking to gain financial security through property investment, this episode is for you.

Key Takeaways:
1. Market Tempo Fluctuates: The pace of the real estate market can change quickly, depending on factors like stock availability. It's crucial to stay up to date with the latest data and market conditions.

2. Act Quickly: In a buoyant market, it's essential to act swiftly. You must be well-prepared, have your finances in order, and be ready to execute when the right opportunity arises.

3. Negotiation Strategies: Negotiating in a hot market requires a different approach. Complex conditions and low stock levels mean you need to simplify your offer and make it attractive to sellers and agents.

4. Retirement as an Equation: Retirement shouldn't be tied to a specific age but rather a financial equation. Focus on building your wealth position and cash flow to provide the lifestyle you desire in retirement.

5. Transition into Retirement: The years leading up to retirement are crucial for planning and transitioning smoothly. Work with financial advisors and strategists to create a plan that aligns with your goals and market conditions.

6. Strategic Buying: Understand that there are times when you may strategically pay a bit more for a property to capture a valuable opportunity. Consider the long-term benefits and your portfolio's overall strategy.

7. Beware of Desktop Valuations: Be cautious when relying on desktop valuations, as they may not always reflect the true market value. Don't over-leverage your property based on these valuations.

If you're considering property investment, take the time to analyse the market tempo in your desired area. Understand the current conditions, build a strong financial foundation, and be prepared to act quickly when the right property becomes available. Retirement planning should focus on your financial equation rather than a specific age, so start strategising now for a prosperous future. Remember, in property investment, being well-informed and agile can make all the difference in achieving financial security.

Thank you for tuning in to this episode of Property Investing Insights. If you found this information valuable, please consider subscribing and leaving us a review. We appreciate your support, and we'll be back with more insights and strategies for successful property investment in the next episode.

EP 111 The tempo of the market is not in your favour unless you are smart

How are you discerning the difference between problems and opportunities?

In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar acknowledge that the property market is constantly being shaped by any number of independent variables, and divulge that sometimes, problems and opportunities can go hand in hand.

Advising that history does leave clues, the trio stress a need for authority when making informed investment decisions, and once again highlight just how crucial timing can be for a property portfolio.

The hosts tick off some of the major opportunities (and issues) that are out there, before accentuating how investors can better consider the long-term potential of their purchasing decisions.

EP 112 The size of the problem will dictate the size of the opportunity

Planning to buy an investment property is only half the strategy if you haven’t worked out options for parting with assets as well.

In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar share why a good property portfolio strategy should include not only your plans for acquisition, but also divestment.

The trio explain the importance of optionality in considering the end of a property’s life cycle. They discuss what good asset selection looks like and why it’s important to build flexibility into the equation so you’ll never feel you’re limited by property choices – no matter what stage in life you’re at.

Mr Waters and Mr Kumar also provide insight into some of the professionals that property purchasers may want to have in their arsenals to help make these strategic decisions, and outline some of the ways investors can ensure their portfolio is fit for the future.

EP 113 The importance of an exit strategy

Welcome back to another episode of Property Investing Insights. In today's discussion, Steve Waters and Victor Kumar dive into the intricacies of the real estate market, particularly focusing on navigating the challenges and opportunities during the Christmas period.

Episode Takeaways:

-Discussing the often-irrelevance of asking prices in the real estate market.
-Highlighting the limitations in quoting prices due to the lag in data, and its impact on market dynamics.
-Emphasising the need for careful consideration, especially in regional markets, and the importance of diligence.
-Providing insights into settlement date considerations, especially around the holiday season.
-Discussing negotiation tactics and the changing dynamics of auctions in the current market.
-Encouraging landlords to be flexible and compassionate during the holiday season.
-Debunking the notion of waiting for a market crash as a strategy.

Ready to dive into the full conversation? Listen to the complete episode now.

Don't miss out on the expert insights shared by Steve Waters and Victor Kumar that could shape your real estate strategies this holiday season.

Eps 114 Beyond the Asking Price: Navigating Christmas Markets

Government intervention into the property market is on the up, but could the long-term consequences be more sinister?

In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar explain why government grants might not be the solution to housing affordability they are touted to be.

The trio unpacks why policymakers must strike a delicate balance between facilitating home ownership and managing asset prices, with measures to protect home owners in the present sometimes coming at the expense of their future security.

The experts also give insider tips to investors seeking to navigate this ever-changing property landscape, and share advice on ways to keep your head above the waters of government intervention.

EP 115 The pitfalls of policy

While social distancing regulations have begun to ease and the property market is showing glimpses of recovery, Right Property Group's Victor Kumar and Steve Waters maintain that COVID-19 has prompted a monumental shift in the way that people approach property investment.

Phil Tarrant is joined by Steve and Victor on this episode of Investing Insights with Right Property Group to explain how the global pandemic has exposed the vulnerabilities of some investors and share some practical tips for building portfolio resilience.

Tune in to hear them unpack the notion of "zombie investors", the potential implications of stamp duty changes, and how to determine a sufficient investment buffer.

Smart Property Investment Podcast Network

Building portfolio resilience in the wake of COVID-19

Property Investing Insights, a podcast partnership between Smart Property Investment and leading property buyers’ agents Victor and Reshmi Kumar from the Right Property Group, delivers investors real-world strategies to create wealth through property. 
 
The team delve into the hard issues that property investors face, demystifying complex terms and strategies and providing practical solutions to maximise your investment potential – regardless of the size of your portfolio. The team cover key property market dynamics, principals and tactics and dig deep into the issues that matter to help you make more informed property investment decisions. This podcast is a must listen for any investor wanting to boost their understanding and invest in their property investment education.
 
Property Investing Insights with the Right Property Group, the is now located on the Smart Property Investment Podcast Network, which you can find here on iTunes https://itunes.apple.com/au/podcast/smart-property-investment-podcast-network/id1062491621?mt=2 or listen on https://www.smartpropertyinvestment.com.au/podcasts/right-property-group. 
 
Subscribe and we’ll update you each time a new podcast is released.
 
For more info
http://www.rightpropertygroup.com.au/ | facebook.com/RightPropertyGroup | twitter.com/rpg_1
 
www.smartpropertyinvestment.com.au | facebook.com/SmartPropertyHQ | twitter.com/SmartPropertyHQ
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Building portfolio resilience in the wake of COVID-19

Property Investing Insights / Right Property Group

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