Property Investing Insights with Right Property Group

In today’s episode of Property Investing Insights, Victor Kumar welcomes listeners as he explores the personal journeys of property investors Daniel & Bethany Lever. Together, they share their unique experiences navigating today’s real estate market, highlighting the importance of selecting the right properties and effectively managing growth alongside cash flow. Whether you’re an experienced investor or just starting out, this episode offers valuable information for everyone. Key Takeaways: - Daniel shares how a passion for aviation transitioned into successful property investments. - Practical renovation experience proves invaluable for overcoming challenges in property investment. - The evolution from flipping to buying and holding properties can significantly enhance long-term portfolio value. - A proactive approach in financial readiness is crucial for seizing market opportunities. Click the link to book a time to chat with us: https://rightpropertygroup.com.au/blueprintsession/ Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/ #propertyinvestment , #propertyinvesting , #propertyinvestmentaustralia , #realestateinvesting , #wealthcreation , #buyersagent , #buyersagentaustralia ,#moneymindset , #successfulpropertyinvesting , #australianbuyersagent

On this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to analyse the impact of negative gearing reforms on the property market and how investors can build their knowledge base to develop a long-term financial plan. Particularly, the podcast looks at unintended consequences of tax reforms, including the adverse impacts observed when negative gearing was abolished under Paul Keating, resulting in a 20 per cent spike on rents. The episode then examines the structural, financial and psychological barriers faced by investors. The trio also discuss the need for investors to expand their knowledge base, including through the Right Property Group’s “Right on Track events”, to network with other investors and ensure that they continue to align acquisition with strategic consolidation.

In this episode, we explore the journey of building a successful property portfolio through the experiences of a long-time client, Heroly Chour. He shares valuable lessons on property management, strategic acquisitions, and overcoming challenges. Whether you’re a novice or a seasoned investor, this episode offers actionable insights for navigating the property market with confidence. Main Takeaways: - Thorough Due Diligence: Don’t limit yourself to local properties; look beyond and conduct detailed research to minimise risks. - Plan for the Worst: Develop strong exit strategies and consider worst-case scenarios to safeguard your investments. - Leverage Expertise: Work with a reliable property manager and ensure comprehensive insurance to protect your assets. - Compound Growth: Start saving early to benefit from the power of compound growth and build financial leverage. - Stay Organised: Use technology and expert help (accountants/bookkeepers) for efficient financial management and ongoing success. Click the link to book a time to chat with us: https://rightpropertygroup.com.au/blueprintsession/ Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/ #propertyinvestment , #propertyinvesting , #propertyinvestmentaustralia , #realestateinvesting , #wealthcreation , #buyersagent , #buyersagentaustralia ,#moneymindset , #successfulpropertyinvesting , #australianbuyersagent

Welcome to Property Investing Insights, hosted by Phil Tarrant, featuring Victor and Reshmi Kumar from Right Property Group. In this episode, we unpack essential strategies for building a successful property portfolio and highlight the significance of celebrating small wins along the way. Key Takeaways: - Celebrate Small Wins: Recognise milestones to stay motivated and continue learning. - Defining Success: A positive property portfolio starts with informed decisions, influenced by your deposit size. - Strategic Cash Flow Management: Leverage positive cash flow wisely and prioritise capital growth. - Focus on Employment Nodes: Invest in properties located near job hubs, ideally within a 20-minute commute. - Building Equity: Plan carefully for initial negative cash flow while aiming to build equity. - The Importance of Mindset: Success in property investing requires a shared vision and commitment among partners. Thank you for tuning in to Property Investing Insights. If you found value in this episode, please subscribe, leave a review, and share it with your network. Visit Right Property Group's website for more expert resources and insights to enhance your investment journey! Click the link to book a time to chat with us: https://rightpropertygroup.com.au/blueprintsession/ Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/

On this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to unpack the concept of a positive property portfolio and lessons that they’ve learnt over their 20-year journey. In particular, the trio unpack how strategic planning can lead to not only financial freedom but personal fulfilment, allowing Reshmi to focus on her family. Throughout the podcast, they also touch on managing cash flow fluctuations, the challenge of creating a high capital growth portfolio that’s positively geared, and the importance of long-term goals. The conversation ends with advice on asset protection and estate planning for retirement, highlighting the need for structured planning.

In this episode of Property Investing Insights, Victor Kumar welcomes Maxine Roach, a former client turned expert in the real estate field. They discuss the nuances of investing in properties, effective negotiation strategies, and how to make informed purchasing decisions based on market dynamics. Maxine shares her journey from her previous profession as a hairdresser to becoming a key pillar at Right Property Group, offering valuable insights into the property investment landscape. Key Points Discussed: * Strategies for negotiating the best price on properties, including assessing market conditions. * The importance of research in identifying opportunities that may not be immediately apparent. * Real-life examples from Maxine's experience, highlighting how thorough analysis can lead to successful investments. * The significance of customizing investment strategies based on individual circumstances and market trends. * The potential benefits and risks of purchasing properties above the listed price, with a focus on long-term value. If you enjoyed this podcast and found the insights valuable, please share it with someone who may benefit from it. Stay tuned for more episodes, where we dive deeper into property investing strategies and trends!

Buying a unit as an investment property used to be a no-go, but is the tide turning? On this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar sit down with Phil Tarrant to talk about whether an apartment can ever be a good buy. The trio talk about how the transition back to office work in the wake of COVID-19 has reshaped Aussie home preferences, shaking up the pandemic era hunger for more space. They reveal why demand and supply may be more useful metrics than land values as Australia continues to grapple with construction shortages.

Join us on 3rd of Sept for Property Investment Education Event https://rightpropertygroup.com.au/property-investment-education-upcoming-events/ To be in the know, sign up to our newsletters - https://rightpropertygroup.com.au/contactus/ To check out your potential to invest - https://rightpropertygroup.com.au/blueprintsession/ Welcome to another episode of Property Investing Insights podcast where we dive into the dynamic world of property investment with experts from Right Property Group. Today, we discuss how the buyers' agent sector has changed, strategies for investing early, the shift in demand from units to houses, and key considerations for property investment success. Key takeaways: -How the buyers' agent sector has evolved -Effective strategies for early investment -Shifts in market demand from units to houses -Key considerations for placing successful property investments To get a blueprint strategy review, click the button below. https://rightpropertygroup.com.au/blueprintsession/ Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/

In this insightful episode of Property Investing Insights, Victor Kumar engages in a candid conversation with Scott Dillon, a seasoned investor and long-time client. Scott recounts his journey from taking his first steps into property investing to developing a robust and diverse portfolio over the past decade. This episode delves deep into the strategies, challenges, and triumphs that have defined his investment experience. Episode Highlights: -Overcoming Initial Fears: Scott shares how he conquered the common anxieties associated with starting in property investing and why the reality often differs from the fears. - Building a Strong Team: The critical role of having the right experts—accountants, brokers, and property managers—in your corner to guide and support your investment journey. - Strategic Diversification: Insights into how Scott diversified his portfolio across various states, balancing growth with stability, and navigating different market cycles. - Lessons from Fitness to Finance: Drawing parallels between physical fitness and financial fitness, Scott discusses the importance of discipline, routine, and the right guidance in both arenas. - Key Lessons Learned: Reflecting on a decade of investing, Scott offers practical advice for both new and seasoned investors. Important Links: - 2024 PIPA Annual Property Investor Sentiment Survey: The survey closes soon (17th August). Participate now to have your voice heard in shaping the future of property investment. Link: https://www.pipa.asn.au/2024-pipa-annual-property-investor-sentiment-survey/ - Scott Dillon’s Company - 365 Performance: Discover Scott’s approach to health and fitness, helping busy professionals achieve peak performance. Link: https://www.linkedin.com/in/sdpeakperformance/ - Property Investment Education Event: Join us on the 3rd of September at Rydges Parramatta for an in-person event where you can connect with fellow investors and gain deeper insights into successful property strategies. Link: https://www.eventbrite.com/e/property-investment-education-tickets-989618053237?aff=oddtdtcreator If you’ve enjoyed this episode, please share it with others who might benefit. Don’t forget to subscribe to Property Investing Insights for more expert advice and real-world experiences from top investors.

Can you spot the difference between good debt and bad debt? In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar speak with Phil Tarrant about how to secure finance in a challenging economic landscape. The Kumars emphasise the importance of getting your financial baseline right first before venturing into unknown waters, and explain why it’s essential to focus on your holding costs. They also reveal why a top-quality broker and accountant are worth their weight in gold for property investors hoping to hit success.

Breaking Barriers: Dr. Anna Pham's Journey to Financial Empowerment for Medical Professionals In this insightful episode, we explore trends in real estate and property investment with Dr. Anna Pham. She shares her journey of overcoming adversities, decision-making process in property investment, and her efforts in educating doctors about financial security and investing in the Investing for Doctors group. Key takeaways: - Strategic Property Investment: Dr. Anna Pham's journey overcame adversities and educated doctors on financial security. - Financial Expertise Perceptions: Professions may assume financial savvy despite the need for specialised knowledge. - Financial Growth and Stability: Achieving growth through savings and solo income with impressive property value appreciation. - Smart Investment Decisions: Emphasising affordability and location in property decisions, adapting to budget constraints. - Land Banking Insights: Challenges and successes in land sourcing, pricing, and future development considerations. - Property Acquisition Challenges: Lessons from reacquiring a property at double the price and developing construction literacy. - Community Engagement: Impactful contributions to novice investors and the medical community, emphasising social media presence and regional investments.

Can you explain your investment strategy to a five-year-old? In this episode, Smart Property Investment’s Phil Tarrant sits down with Right Property Group power duo Victor and Reshmi Kumar to stress the importance of simplicity in one’s strategy. The Kumars talk through the value of “trying to make it fail” when it comes to purchase stress-testing, how they keep their strategy on course, why investors must be comfortable with being uncomfortable, and when to take calculated risks. They also emphasise the importance of accumulating scar tissue by having skin in the game – how you can teach the theory but you can’t teach experience.

In this episode, Victor Kumar of Right Property Group is joined by longtime clients and seasoned investors Namrata & Vishal Marken to discuss their journey through the ups and downs of property investment. They share their experiences, from their first investment to managing a diverse portfolio, and provide insights on the challenges and triumphs they've encountered along the way. Takeaways: 1. Firsthand Experience: Having a partner who understands property investment can be a significant advantage. 2. Start Early: Begin investing as soon as possible to leverage long-term growth. 3. Holistic Approach: Combine personal goals with investment strategies for a balanced approach. 4. Overcoming Challenges: Dealing with analysis paralysis by relying on experts. 5. Strategic Management: Importance of diversifying and managing a property portfolio effectively. 6. Continuous Learning: The role of mentorship and ongoing education in successful investing. 7. Handling Market Cycles: Adapting strategies based on market conditions and economic cycles. 8. Effective Property Management: Importance of selecting the right property managers and staying proactive with maintenance. Nam and Vishal’s journey highlights the importance of starting early, continuous learning, and strategic management in property investment. Their story is a testament to how dedication and the right approach can lead to success in real estate.

What does it take to create a business out of property investment? In this episode, Smart Property Investment’s Phil Tarrant speaks with Right Property Group power duo Victor and Reshmi Kumar about the early days of their investment business. The Kumars share how informal experiences advising friends and family on the best places to buy ultimately evolved into a professional business helping investors around Australia achieve their dreams. Victor and Reshmi chat about the biggest mistakes they have seen new investors make and why giving inexperienced investors the freedom to make blunders can be the best form of tough love.

Join the insightful discussion about property investing with special guest Ross Le Quesne, a former top broker and prolific investor. With RPG's guidance, he shares how the strategies played a pivotal role in his investment journey. Ross Le Quesne is a seasoned industry leader with 25 years of experience as one of Australia's top Mortgage Brokers. As the Founder and Director of The Billion Dollar Broker, Ross leverages his extensive expertise to coach and mentor a multitude of the country's leading brokers. In this episode, we delve into real-life experiences and knowledge accumulated over a decade of investing and mentoring, focusing on the key to successful property investment, the impact of first property purchases, timing the market, and the significance of starting investments early. Additionally, we explore strategies for investing in properties in outer suburbs, the importance of mortgage insurance, refinancing to leverage property investments, and the role of financial buffers and interest rates in property investment. The episode also emphasises different phases of the property journey, the importance of quality over quantity, and the influence of debt on financial success. Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup

Steve Waters, leading buyer’s agent and one half of Right Property Group, has left a powerful legacy for the Australian property investment community. In this episode, Smart Property Investment’s Phil Tarrant and Right Property Group’s Victor Kumar come together to reflect on the life and legacy of Steve Waters. They hear moving tributes from former clients, industry peers and friends whose lives were touched by Steve’s decades-long property career. Phil and Victor reflect on the future of Property Investing Insights, and how they can continue to honour Steve’s legacy going forward.

Join Victor Kumar, Kate Kekatos, and Melissa Matherson as they dive into the fears and mistakes that often hold back new and experienced property investors alike. From the influence of interest rates on investing decisions to personal stories of investing mishaps, this episode covers it all. Whether you're new to the property investing scene or looking to refine your strategy, there's something in this episode for you. In This Episode, You Will Learn: * How current interest rate trends affect property investing decisions. * Personal investing mistakes from our hosts and the lessons learned. * Common fears among new investors and strategies to overcome them. * The critical importance of a clear investing strategy and patience. * Tips for managing the emotional aspects of investing in real estate. * Insights into the benefits of professional property management. * The value of learning from mistakes and seeking experienced advice. * Motivation to take action towards your property investing goals despite fears. Don't let fear and common mistakes hold you back from achieving your property investing goals. Tune in to gain insights and strategies that could be the key to your next successful investment. Subscribe to our channel and share this episode with friends and family who are on their property investing journey, and let's grow our community of informed and successful investors. To get a blueprint strategy review, click the button below. https://rightpropertygroup.com.au/blueprintsession Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/

Managing a property portfolio can be a colossal task. For couples, it’s important to make the most of a collaborative approach that harnesses each person’s complementary skills for success. In this episode, Smart Property Investment’s Phil Tarrant sits down with Right Property Group’s Victor Kumar, and Victor’s wife, Reshmi Kumar, to get a sneak peek into their two-decade property investment journey. The couple share how their determination, strategy, and the ability to adapt to market cycles have led them to amass a portfolio in triple digits. The Kumars explain how they developed an investment philosophy around the idea of property as a vehicle for achieving life goals. They discuss what each party brings to the table, and how they’ve formed a solid team contributing in different ways. The duo lift the lid on their methodical strategy, revealing how they focus on long-term growth and cash flow management to meet their targets.

In this enlightening episode of "Why Can't I? How Can I?", we delve deep into the mindset shifts essential for property investment success. Join host Victor Kumar and seasoned investors Kate and Melissa from Right Property Group, as they share their personal investment journeys, dissect current market trends, and provide actionable strategies for both aspiring and experienced investors. Whether you're contemplating your first property investment or looking to expand your portfolio, this episode offers valuable insights into overcoming common challenges and maximizing opportunities. Learn how to transform the pivotal questions - "Why Can't I?" and "How Can I?" - into a roadmap for your real estate success. Key Highlights: - Market Trends and Predictions: Insights into potential interest rate cuts, inflation figures, and their implications on the property market. - Investment Strategies: Strategies for setting and achieving investment goals amidst market changes. - Personal Investment Journeys: Kate and Melissa share their paths to success, underlining the significance of mindset shifts and strategic planning. - Advice for New Investors: Guidance on aligning investment with personal goals and overcoming common pitfalls. - The Role of Discipline and Strategic Selling: The importance of discipline in investment and strategic considerations behind property selling. Subscribe to our channel for more insightful episodes on property investment, and don't forget to like and comment with your thoughts and questions. We're here to help you navigate your journey to investment success. Connect with Us: Website: www.rightpropertygroup.com.au Instagram: www.instagram.com/rightpropertygroup/ Facebook: www.facebook.com/RightPropertyGroup LinkedIn: www.linkedin.com/company/rightpropertygroup/

Market hype is set to be strong in the months ahead – don’t let that distract you from your end goal. In this episode of Property Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss the challenges they anticipate as 2024 rolls out, sharing their perspective on what might lead some purchasers astray. Phil, Steve and Victor caution against paying too much attention to market noise this year, as success will be defined by good decisions that are specific to each buyer. Victor reminds that you’re buying the opportunity, not the area, and it’s important to align investments with personal circumstances.

Welcome to another insightful episode of Property Investing Insights! In today's discussion, Victor Kumar is joined by  Investorfi’s brand ambassador, Sze Chuah, and delve into the intricate world of the psychology of money and investing. They share valuable insights on understanding money as a vehicle for exchange and emphasize the significance of making informed decisions in property investment. Key Takeaways: Understandinf money's role as an exchange tool in property investment. Avoid common mistakes like underleveraging or overleveraging. Emphasising the timing factor in the property market, rejecting the wait-for-social-proof approach. Stressing the importance of education and informed decision-making in managing and investing money. Looking beyond interest rates, break loyalty myths, and plan for a sustainable property portfolio. Seizing the current market conditions, explore external refinancing, and negotiate better deals. Considering alternative loans and prioritising emotion-free decision-making for self-employed individuals Thank you for tuning in to this episode of Property Investing Insights! If you found these key takeaways valuable, imagine what you'll gain from the full discussion.  Don't miss out on the complete episode—subscribe, share, and stay informed.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

Welcome back to another episode of Investing Insights with Right Property Group. Today, we've got Steve Waters and Victor Kumar talking about the latest insights and analysis on the Australian property market so grab your coffee and get ready to tune in. The Australian property market has been experiencing high demand due to high-interest rates, high rental returns, and limited supply. As a result, property prices have skyrocketed, making it more affordable to own a property than to rent in some areas. However, there are concerns that people are not taking into account all the costs associated with homeownership, and this trend is taking more properties out of the rental pool, putting more pressure on vacancy rates. In this episode, Steve and Victor explore how investors can navigate these challenges and take advantage of the opportunities presented by the current market conditions. Key Takeaways: -Despite the increase in interest rates, auction clearance rates in the Australian housing market are still at record levels. -People have adjusted to the new norm of higher rates, but the cost of living has gone up and some businesses are struggling to survive. -Property prices have gone up, and it has become more affordable to own a property than to rent in some areas. -There are concerns that people are not taking into account all the costs associated with homeownership and that this trend is taking more properties out of the rental pool, putting more pressure on vacancy rates. -Investors should focus on the results they want to achieve and reverse engineer their investment strategy from there. -Making small changes to one's expenditure can help find extra funds for investing. -The build-to-rent scheme could have short-term benefits but could lead to oversupply in some areas. At Right Property Group, we understand that investing in property can be a challenging endeavour, especially in the current market conditions. That's why we offer tailored services that can help you navigate the market and achieve your investment goals. Our team of experts and property strategists can assist you in your property journey to ensure that you make informed decisions that are aligned with your objectives. Contact us today to learn more about how we can help you invest in property with confidence.

Has the property market reached the end of the downturn or should investors brace for “more pain to come?” In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss how the narrative surrounding the real estate market has shifted in recent weeks thanks to the degree of certainty brought on by RBA’s April rate hike pause and unpack why the FOMO sentiment is beginning to show among investors. But despite confidence returning to the market, the trio encourages investors to revisit the fundamentals and “mold” them to current market conditions instead of investing based on short-term gains and explains the importance of understanding the different property cycles across the country. Lastly, they talk about the pitfalls that can come with “desktop data” investing and touch on the trends emerging in the market.

Welcome to Investing Insights with Right Property Group! In this episode, hosts Steve Waters and Victor Kumar discuss the confusion and conflicting opinions that arise in the property market during a market shift. They acknowledge that during a boom market, opinions are mostly the same, but in a bear market, they can be quite opposite. However, they believe that the current phase is just a market shift, and data and ground truth should be considered before making any decisions. Key takeaways: -In a market shift, it's important to consider data and ground truth before making any investment decisions. -The property market is like a game of chess, where players need to anticipate their opponents' moves and make strategic decisions. -Investing in property should be done with a three to five-year approach, and each area has a different cycle in terms of the timeframe. -Diversification is important not only in different asset classes but also in various types of assets within an asset class. -One needs to be realistic about affordability and not rely solely on what the bank says. Steve and Victor also discuss the current state of the property market in Australia and how people are hesitant to invest due to the difficulty of getting funding, rather than a lack of information. They stress the importance of assessing one's portfolio and making sure it is built on a strong foundation, as well as being counter-cyclical. They argue that education and information are more readily available now than in the past, which means people are more aware of what they should do, but are still held back by their ability to get funding. At Right Property Group, we understand the challenges that investors face in navigating the property market. That's why we offer comprehensive investment services, including property research, acquisition, and management, to help you make informed decisions and maximize your returns. Our experienced team can provide you with personalised advice and support to help you achieve your investment goals. If you're interested in learning more about how our services can benefit your investment journey, please visit our website or contact us for a blueprint session. Let us help you stay ahead of the game and achieve success in the property market.

While being cautious is a necessary trick of the real estate investing trade, these experts warned investors of the downfalls that come with solely focusing on the “bad” news. In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar talk about how successful investors have a good understanding of what’s happening on the ground but adopt a disciplined approach to managing their own emotions and biases, ultimately helping them manage the market between their ears. With the market littered with “so much conflicting opinion”, they explain how being an “alarmist” investor can result in missed opportunities, unrealised gains, and unnecessary losses. Drawing from their respective experiences, the experts also shared strategies on how to manage and overcome market fluctuations.

In this episode of Investing Insights with Right Property Group, Victor Kumar and Steve Waters discuss the importance of understanding one's own psychology and the psychology of investing in real estate. They talk about the current state of the market, the need to stay informed, and how to determine whether to consolidate or buy during this period.  Key Takeaways: -Understanding one's own psychology and the psychology of investing is a cornerstone of success in any asset class with particular reference to your relationship with debt. -Informed investors who remain steadfast can reap the rewards in the current market cycle -Keeping things simple is crucial and highlighting the importance of cash flow, which is the oxygen of investing. -Continually reviewing one's position and making adjustments to cater for what's happening in the market is crucial. -Modelling can be a directional tool, but not a rigid plan. -Being prepared for when the market changes is crucial, rather than timing the market. -Surrounding yourself with a peer group that has achieved what you want to achieve and has experience in what they're giving advice on is essential. -What are you doing right NOW? What moves are you making to get yourself into position to make your moves? Victor and Steve also referenced previous episode topics, including: Episode on the three components that trigger an asset class: https://rightpropertygroup.com.au/fb-live-08-12-22-3-market-components-to-look-at-in-2023/ Episode on understanding one's relationship with debt: https://rightpropertygroup.com.au/fb-live-important-considerations-in-managing-your-properties/ Design Your Decade - Download the ebook here: http://rightpropertygroup.com.au/design_your_decade/ If you're seeking guidance on how to build a successful property portfolio, Right Property Group will provide expert advice to help you on your investment journey. To learn more about our services and make your next move, watch the entire episode and get in touch with Right Property Group at www.rightpropertygroup.com.au

Is the property market poised for a rebound? While there’s no foolproof way to determine whether the market has bottomed out, these experts help investors filter out the data that will help investors chart a strategic path out of the downturn. In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar unpack the three telltale signs that the market is on its way to restarting the property cycle. While the negative narrative surrounding the Reserve Bank’s rate rise cycle has not dissipated and with other economic trends clouding the market outlook in the coming months, the trio gave their realistic takes on why they believe there are still investment opportunities across the market. The experts also explained why investors should not solely rely on data or headlines before taking the jump to enter the market.

In this episode of the Investing Insights podcast, Steve Waters and Victor Kumar from Right Property Group share their insights on navigating the Australian property market during times of economic uncertainty. Here are the key takeaways: 1. Take assertive action during times of market uncertainty and avoid reacting out of fear. 2. Manage debt, cash flow, and maintain buffers to weather challenging periods in the market. 3. Property tax reform is needed to provide stability in the market and reduce reliance on stamp duty revenue. 4. Good cash flow management is essential in property investment, and focus on buying good properties that can be offloaded if necessary. 5. The government needs to provide incentives to encourage first-time owners and investors to enter the property market. Steve and Victor believe that investors should be proactive during uncertain times, rather than reacting out of fear. They caution against knee-jerk reactions and poor information that often lead to significant losses. They discussed the effects of free flowing credit, which led to a booming economy, and the need for an extended-term property tax to replace upfront costs. They also expressed concerns about the end of fixed interest rates on 800,000 loans, which could increase the amount of repayments. They also emphasised the importance of managing cash flow and remaining liquid in terms of mortgages. They suggested that investors focus on buying good properties for offloading to homeowners or investors in case things do not go as planned. They also highlighted the need for government intervention and incentivisation to address the construction industry struggle. Navigating the uncertainty in the Australian property market requires a planned approach, worst-case scenario planning, and taking a defensive approach when accumulating debt. As the property market cycles through its growth patterns, it is crucial to remain liquid, have buffers in place, and always be in a situation where you can sleep at night. Investors should focus on buying good properties and be part of the wealth transfer process during times of negative sentiment and economic hardship. By setting the pieces of the jigsaw puzzle together for the future, people can reap the benefits of what they do during this period in the following years as the cycle turns. Watch the full episode now to gain the knowledge you need to make informed investment decisions and succeed in the ever-changing property market.

With 2023 expected to bring in rougher waters for the real estate market, these experts enumerate the strategies that can help “fair weather” investors sail through any storm. In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss the two main types of real estate investors that emerged in the last three years before delving into how those with a methodical approach to property investing will ultimately outlast those who have “clueless enthusiasm”. To help investors brace for brewing headwinds in the coming year, the trio called back to the main learnings from previous podcast episodes, including creating an agile portfolio, avoiding being complacent, and managing different market cycles, among other things. They also advise investors not to be discouraged by the negative narratives regarding the market, but rather be prepared to find and take opportunities for further growth.

In this episode of Investing Insights with Right Property Group, Steve Waters and Victor Kumar discuss the following topics: -The passage of time and how it can affect investing -The changing nature of the real estate market and the role of technology in shaping it -Expectations for the coming year In the real estate market -Importance of staying informed and seeking professional advice for investment decisions They discuss how the ease of transaction and the ability for people to track and change their mortgages has made December less of a rush for purchasing or selling property. They also highlight how the spring selling season, even with the circumstances of COVID-19, has not seen the same volume of ticks as in previous years. Previous episodes, such as "The Silver Lining Amidst the Market Changes" and "Don't Always Believe The Data" can be found at these links: - EP93 The Silver Lining Amidst the Market Changes: https://soundcloud.com/investinginsights/ep-93-the-silver-lining-amidst-the-market-changes? si=87899a3f10b045e491e969594d57ba76&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing EP54 Believe the truth or believe the data: https://soundcloud.com/investinginsights/ep-54-believe-the-truth-or-believe-the-data?si=5338f22547c046a0b2af9a0e9ee0327d&utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing These episodes provide valuable information for property investors as they discuss the past, present, and future of the market and how believing the truth or believing the data can affect your investment decisions. In the coming year, Steve and Victor expect to see significant changes in the real estate market and encourage investors to stay informed and adapt to these changes. Here's the FB live replay where they talk about the 3 components that will affect the market in 2023: https://fb.watch/hrtqkBF_Kx/ Right Property Group can help you on your investment journey by providing expert advice and guidance on building a successful property portfolio. Watch the entire episode to learn more and contact Right Property Group for more information.

Strategic investors are static, not passive, and Australia’s market downturn presents them with great opportunity. On this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters, and Victor Kumar sit down and discuss what strategies avid and prospective investors can impose within current market conditions to maximise their present and future positions. It is paramount that investors start with a sound, secure, and stable property base before expanding, especially if they are looking to facilitate long-term portfolio success. So, what are the best strategies to enhance this outcome? In this episode, you will also hear: - Working in property ‘silos’ - Bracket creeping - Is it better to purchase more property during a downturn?

In episode 95 of the Investing Insights Podcast, Victor Kumar and Steve Waters from Right Property Group talk about how markets can be perpetuated, how markets can be created, and how markets can be downgraded because of external factors. Market makers are a big part of this discussion because they can make or break a market. There's the good type, which would be based on infrastructure employment, affordability, and the like. And then there'll be the markets that are created from a self-perpetuating point of view because it's well marketed. Tune in to the rest of the episode now and know more about: -understanding the types of markets- real estate residential, commercial, industrial etc -the influencing factors that can create and destroy the market -liquidity and why it matters -timing the market (Check this encore episode that talks about the factors that come into play when timing the market: https://podcasts.apple.com/ph/podcast/encore-episode-is-now-the-right-time-to-purchase-it Do you know what type of investor you are? Stream Episode 66 to know more about the evolution of a successful investor - identify your investor profile. Don't be number 5! https://podcasts.apple.com/ph/podcast/ep-66-the-evolution-of-a-successful-investor/ There are always circumstances, good or bad- something that will perpetuate a market, soften a market, crash a market. There's always a crisis or an opportunity. But whatever the circumstances are, successful property investing involves due diligence and having a risk mitigation strategy in place. Learn more about how you can gear up against any market challenges, and how you should position yourselves in the ever-changing market today. Book a complimentary blueprint meeting with Steve or Victor to explore how you can make your next move. https://rightpropertygroup.com.au/blueprintsession/ Hear all of this and much more in this episode!

With the market’s tempo changing at a faster pace than previous cycles, how can investors keep up and ensure they’re set up for big wins? In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar analyse how market conditions have changed in the face of rate hikes and shifting trends and look into how the increased accessibility to data and information has changed the cadence of property market cycles. Instead of getting swept up by speculations of an upcoming market crash at par with that during the global financial crisis, the experts called on investors to consume content that will help them better understand their current market position and explain why the market fundamentals are still ripe with investment opportunities. They also try to answer the million-dollar question of when the next property boom will occur and unpack why it may happen sooner than most market observers forecast.

In episode 93 of the Investing Insights Podcast, Steve and Victor are joined by the go-to person about Finance and a good friend of both, Sze Chuah, Director of MLS Finance. In this episode, they discuss the past, present, and future of the market. While this is a challenging time for the industry, being able to deal with people from all walks of life, and having been through the hard yards of investing, the three are in consensus that there are great opportunities unfolding amidst the changes. Tune in to the rest of the episode now as they go hard on tackling relevant issues of today: -How to find, preserve, and enhance financial capacities -Drill predictions where the interest rates will stop -Changes to the banking policies -Buffer rates by the banks which are now 3%. -The value of asset over the next 5 years -And many more! This is a challenging time but having twenty-plus years of experience in the property sector, including their own hands-on experience with their personal portfolios, Steve, Victor and the rest of the RPG team can definitely provide you with professional guidance in taking your first step or next step into property investing. Work with two of Australia's leading property experts by contacting Right Property Group at https://rightpropertygroup.com.au/

Should investors focus on timing the market or time on the market? When it comes to this age-old question, these experts say that the optimal buying and selling windows will depend on an investor’s unique circumstances. In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar unpack property market cycles and why investors should stop viewing it as a clockwork process with specific phases, but rather focus on the different trends and events that drive the market’s movement. The trio also emphasise that no strategy is “set in stone” and explain that remaining invested over the long run or trying to profit from turning points in the market will work in favour of an investor, as long as their strategy aligns with their long-term goals, financial position and portfolio. Lastly, the experts underline that good fundamentals will continue to be the tried-and-tested formula to having a successful real estate investment, no matter where the property market cycle is currently at.

In Episode 63 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group have a detailed discussion on a wide range of topics including the pulse of the market, agent mechanics of listing a property in today's market, and insights into finance. The question most people tend to ask is, “Is now the right time to get into the property market?”. For each person, this will be a different answer depending on your own set of circumstances—It's not a clear answer. Investing is about timing the market in terms of YOUR set of circumstances. Eg Two years ago you couldn’t borrow due to thresholds and today you can. So potentially it is your time. It all comes down to being business orientated. Far too many people think the hardest part is purchasing. Actually, it is the reverse. It’s how you control the purchases and manage the years ahead of holding the asset. Buying within your own means. Buying on what YOU are trying to achieve by purchasing towards a plan. At times like this, you can re-arrange your portfolio - if they are no longer fitting and doing what they need to do. Before you jump into selling, consideration of the associated costs needs to be worked through. E.g .transactional costs as well as replacing the rental income. When it comes to finance rates will go up. It's the reality that they won't remain the way it is. The golden rule of asking a bank is "are you cross securitised?". There is a time and place, however, it is well worth the while checking in with a broker experienced in structuring investment property loans. Like we have said many times before, remember you ALWAYS want to be liquid. When you can borrow you should, you don’t need to spend it. Have the money before you need it. The key to investing is to be prepared for the opportunity rather than the other way around, where you then need to shortcut the process. Never ever forgo the pest and building, for example. Have your team around you when entering the buying process - Property strategist, Broker, Accountant, & Conveyancer. You will hear all of this and much, much more in this episode of Investing Insights! Are you ready to take the next step in your property investment journey, or simply need guidance on where to next, then book a blueprint meeting with Victor or Steve. Visit https://rightpropertygroup.com.au/blu... today. Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au

What’s more important than headwinds is your plan to overcome them. On this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar discuss the Australian investing environment presently and how these added financial and geopolitical pressures are impacting investors. The trio discuss the internal factors that investors need to analyse and understand about themselves, their habits, and their motivation behind investing to ensure they can manage different market cycles. They also touch on reactivity versus proactivity, chat about why you shouldn’t buy for ego, and reflect on how cryptocurrency has influenced the property investment market.

In episode 90 of the Investing Insights Podcast, Steve and Victor discuss the 5 mistakes an everyday investor is either currently making or going to make in today’s market. Having twenty-plus years of experience in the property sector, including their own hands-on experience with their personal portfolios, both Victor and Steve have made these mistakes early on in their journey and do not want you to do the same. Listen in and take note so that you too do not fall into making these very mistakes that so many ill-informed investors make! 1) Chasing a high yield at the sacrifice of quality 2) Thinking that the cost of money, or the rate, is everything. 3) Protect your serviceability at all costs 4) Thinking you can time the market 5) Embrace the change Steve and Victor encourage everyone to be strategic, deliberate, and above all, prepared when it comes to their property investing journey. Tune in now for an in-depth look at what you need to know to avoid these mistakes. Need guidance in taking your first step or next step into property investing? Contact the team by visiting www.rightpropertygroup.com.au.

How much is your complacency costing you? These experts recommend scheduling a “date night” with your portfolio to make sure it’s on track. In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar enumerate the risks that investors face by neglecting to update their portfolios and underline the importance of capitalising on opportunities, regardless of what phase of the market cycle you are currently operating in. The trio explain that investors should not bury their heads in the sand when the going gets tough, as it will not only hurt their current financial position but their long-term growth strategies as well. They emphasise that the property ecosystem is always changing and give out tips on how investors can actively manage their portfolios.

On this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Steve Waters, founder and director of Right Property Group, to run their eyes over some of the top stories currently trending online on Smart Property Investment. Highlighting the leading headlines dominating the industry, they lend their insights on what they all mean; unpacking subtle gentrification and its market impacts, the importance of social housing and what’s going on in the Melbourne market. In this episode, you will hear about: How inflationary pressures will impact the industry Why now is a good time to be investing in property “Micro-capitals” and their draw for investors

In the face of changing market conditions, how agile is your property portfolio? In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar unpack the latest news shaking up the market – including stamp duty reforms, the rising cost of living and the rental accommodation crisis – and give their insights on the consequential changes it will bring on property investing landscape. The trio also explains that those who have buffered their portfolios for major fluxes are those who will rise above the pack, while discussing how impostor investors or those who constantly followed the herd and built fragile portfolios will inevitably become a statistic in these rougher market waters. They discuss how investors can fine-tune their portfolios to become agile and lean, enumerate the questions investors should be asking themselves under current market conditions, and underline that any market downturn can be a golden opportunity if you’re armed with the right mindset and strategy.

For over 15 years, Steve Waters and Victor Kumar have experienced the ups, downs, the ins, and outs of many property cycles. As rates are once again on their way up, it could be easy to retreat without considering the potential opportunities that the current cycle offers. In episode 86 of the Investing Insights Podcast, Steve and Victor discuss how some elements of the market have over-performed well and truly and that is not healthy. Contractions in the market may well happen. This is cyclical and people need to realise that this is just another season. As cycles change, new opportunities arise and these may be disguised as wrapped up in problems! It is a matter of understanding how to unwrap the layers to solve the problem. Over the next 12-18 months there will be several types of opportunities to look out for - be aware though that not all investors' circumstances are suited to what will be available and therefore will be best to sit out. In this phase of the cycle, those who are prepared will come out shining in the end, and those who are not can easily be bitten by the changes - the good news is, it isn’t too late to do your groundwork and prepare. This includes knowing your costs to operate from your household expenses to your investments. A key point that Steve and Victor mention in most episodes is the importance of addressing the fundamentals understanding that investing is all about the medium to long term. There is no magic formula- if you are not prepared, DON'T do anything! The best tip of all is trying to time the market is a fool's game. Tune in to learn more about the wrapped-up opportunities and how to unwrap them to your best advantage. Work with two of Australia's leading property experts by contacting Right Property Group at https://rightpropertygroup.com.au/

“Everything is cyclical” in the Australian property market, so how do you navigate this time of increased uncertainty? In this episode of Investing Insights with Right Property Group, Phil Tarrant, Steve Waters and Victor Kumar analyse and discuss the big housing issues currently facing the Australian market, especially considering the recent federal election. Affordability is one of the pressing problems facing the Australian real estate industry, and the trio break down what affordability truly means on their way to discussing the crisis and offering potential solutions to it. Additionally, the trio stress the importance of having a strategic, methodical, and self-assessing approach towards the uncertainty of Australia’s current property cycle. They also highlight the complex factors driving Australia’s current property shortage, examine the impact of economic cycles on the market and predict how the current cycle pans out.

Are you PREPARED as we enter this cycle? With the immense changes happening on the property front at the moment, gear up against these market factors by being aware of the current conditions, and understanding what you need to do as both a current property investor and a new investor. In this podcast, Steve Waters and Victor Kumar Directors at Right Property Group talk about the trillion-dollar question - INTEREST RATES and the impact both today and in the future. The finance cycle has changed, and they talk about how it's affected parts of the market, the impact on consumer mindset, and the pieces in and around it to shape consumer confidence. Steve and Victor make mention of the all too familiar doom and gloom media articles and caution to not take these headlines as fact when it comes to your property investing strategy. Rather dig further into the information and conduct your own research and due diligence. As we go through this episode, Steve and Victor will dissect some common questions, including: What will the market do? What should I do? What will increasing interest rates do to my property portfolio? Should I be buying now? Should I be waiting? Or should I take any action at all? And the answer to that is it DEPENDS! Each individual has their own unique circumstances. It is important to understand not only the market but your circumstances and capabilities to strengthen your property game. This is especially relevant with the current accommodation crisis and market we have today. NOW is the perfect time for you to build and prepare yourself as an investor, and gather advice from Steve and Victor, experts who have seen many market cycles in the past to guide you through your property investing journey. It’s about “the now”. Tune in to this episode to understand how you can enhance your position, and what action plans to consider for your portfolio. Visit https://rightpropertygroup.com.au/blueprintsession/ for a complimentary blueprint meeting with Victor or Steve, or reach out to questions@rightpropertygroup.com.au with any inquiries and questions.

While headlines are filled with narratives of the property boom now in the rearview mirror, investors are advised not to listen to the Chicken Littles proclaiming that the real estate market is in freefall mode without accurate justification. In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar and Phil Tarrant put a magnifying glass on the negative forecasts for the property market and give their insights as to why the prospects are not all doom and gloom for investors. As investors brace for several headwinds, including higher interest rates, potential property policy changes in the wake of the election, and other changes in the fundamental dynamics, the trio gives their best tips on how to prepare for shifts in the market. They also emphasise that there is no wrong time to enter the market and that true “investors” will not just chase market highs but seize opportunities for growth.

In this episode, Steve Waters & Victor Kumar talk about “burying your head in the sand”, a behaviour of many people regardless of what the issue may be. Life gets hard, curveballs are thrown, you make a poor choice, etc. Pretending whatever isn't happening, aka burying your head in the sand, will not solve it, and usually makes the situation worse. Life will give you lemons and how you receive and respond to those lemons will impact you, in either a positive or negative way. It is of greater benefit to be proactive rather than reactive. Easy to say when the media share it's all doom and gloom! However, sometimes these headlines can be misleading, so it is important before forming an opinion to read and digest the data carefully. Truth be told, most people tend not to worry about tomorrow, instead, living for now and bury their heads in the sand about the future. Nobody knows what’s going to happen. However, the key is to be aware of the narrative and prepare accordingly. So let's talk about the elephant in the room which is rising interest rates? Most new investors have yet to see an interest rate rise in the past 10 years, rather they are accustomed to rate reductions! Steve and Victor have been through a run of 7 months of rate increases in the past, so know only too well how to get prepared for the upcoming rise or indeed rises. Realistically, we have a 2-3 month window to prepare. Being proactive means spending the next 4-6 weeks preparing to give yourself the box seat, that is, protect what you have and take up the opportunities as they arise. Note that if you fail to be proactive, you will be left behind. Be involved in the monitoring and measuring and get clear on what you need to do. By doing the work well ahead of time, you will save yourself much grief. These include looking at how car leases/loans affect your serviceability, reviewing fixed rate expiry dates, and the impact on cash flow moving to variable P & I for example. Victor and Steve regularly say, invest between the flags by being proactive and applying strategic and methodical steps to move forward. As an investor, do background checks yourself for what the future holds because you can’t always control the situation, but you can control your attitude towards it. And there’s no better time to understand this than now. Learn more about how you can gear up against any market challenges, and how you should position yourselves in the ever-changing market today. Book a complimentary blueprint meeting with Steve or Victor to explore how you can make your next move https://rightpropertygroup.com.au/blueprintsession/#Enquiryform

Over the years, property investors have, in one way or another, been on the receiving end of wrong advice fuelled by strong opinions in their investment journey. How, then, can you discern what is good advice or opinion from bad advice and opinion Hosts Phil Tarrant, Steve Waters and Victor Kumar believe that when making investment decisions, you must scrutinise your sources of information. The trio lays down the tenets of informed opinion and good advice that can shape an investor’s direction towards a robust portfolio. They also give examples of the worst and best advice given in the property investment industry in a bid to better prepare listeners who might encounter it.

For over 20 years of property investment experience, Steve Waters and Victor Kumar, with Smart Property Investment host, Phil Tarrant discuss foolproof property investment lessons learned over the last 2 decades. With first-hand experience, they cover all aspects of the investment process from sophisticated cash-flow management, to maintaining a good relationship with debt, to the power of pivoting according to market cycles, as well as: - common pitfalls for unsuccessful investors - the dangers of speculation - paralysis analysis - and, the potential for greed and ego to get in the way of effective strategising Tune in to know more about these important lessons that are applicable to you as an investor towards completing your goals and achieving a successful portfolio. Now’s the best time to learn and apply this to your strategy! This is originally released 2 years ago, and it’s one of our all-time favorites as it summarises so many golden nuggets that are important for both new and existing investors towards property investing. Feel free to reach out to us at questions@rightpropertygroup.com.au.

With an avalanche of information drowning investors on a daily basis, how will you know if what you’re consuming is accurate or being manipulated to achieve certain outcomes? In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar, and Phil Tarrant tackle ways to determine relevant information for investors and the proper context for weighing in market predictions that will ultimately contribute to your investment goals. The trio breaks down events in the past decade that went against the flow of predictions and defines industry jargon that may be causing confusion and bad decisions. They also go back to basics by highlighting the benefits of investment fundamentals that can help you thrive in different market cycles.

In this Episode, Steve Waters and Victor Kumar from Right Property Group discuss the top 5 things you need to do to solidify your position in 2022. 2022 might just be the most dynamic year from the federal elections, the changes and movement in the cost of funding, media, consumers, as well as the resources on where and who to listen to regarding property advice, and many more elements can either make or break your portfolio. As the market evolves, and your goals change, these 5 major things can keep you in the momentum this year, or ever. 1. Get Liquid 2. Review and Re-assess 3. Finance 4. White Noise 5. Execute It may sound simple and easy to do, but the amount of progress in following these tips can make a big difference and impact your overall property journey. 2022 will be a huge year with all the moving parts, and if you don't change your approach, you'll be left behind. So, tune in to know more about how you can be in a position to take advantage of today's market and be equipped to pivot your strategy against any circumstance.

As we usher in 2022, The Smart Property Investment Show marks the start of the year with another portfolio market update and talks about the nuts and bolts of refinancing investment properties. In this episode, Right Property Group’s Steve Waters joins host Phil Tarrant to take stock of how the portfolio performed in 2021 and devise a game plan to achieve further growth in the coming year. With the portfolio now valued around $8.5 to $9 million in valuation and going on a decade strong, Phil is looking to take things to the next level by releasing the equity locked up in properties for refinancing purposes. Steve gives his professional insight into the complex process of refinancing while highlighting the benefits the process can offer to property investors.

As Australians prepare to head to the polls in May, an expert advises investors to not get caught up in the political noise and instead focus on the laid-out policies as well as other real estate trends that are shaping the property market. In this episode, Right Property Group’s Steve Waters joins host Phil Tarrant to take stock of how the upcoming federal election is playing out and how its result will impact the country’s real estate markets and the economy. The duo also discusses the different demographic, economic, and political factors that have set the tempo for rental yield trends and look at headwinds that landlords face, such as interest rates, inflation, and rising unaffordability. They also lift the lid on the top real estate news that are trending and give their insights on the property market’s current state affairs.

2022 is turning out different than what experts expected, as the emergence of Omicron throws a spanner in the property market’s works. In a market riddled with uncertainty, having a little “strategic patience” can go a long way. In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar and Phil Tarrant remind investors to keep their heads on their shoulders when navigating the market by being flexible to changes in micro and macroeconomic policies and advise against “buying for the sake of buying”. The trio enumerates the factors and events that could shake up trends this year – including the upcoming federal elections, continued tightening of supply, a potential RBA rate hike, and further lending restrictions – before zeroing in on the ones that will truly shape the market conditions. They also touch on how investors can tweak their investment strategies to keep up with the ever-changing real estate market landscape.

As we wave goodbye to 2021 and ring in 2022, investors are advised to buckle up for a unique year that will be characterised by further federal regulation, diverse valuations and potential disruptions. To kick off the new year, hosts Phil Tarrant, Steve Waters and Victor Kumar talk about the property market trends that defined 2021 while identifying the different forces that will be in play and will be shaping the different sectors of Australia’s real estate market in 2022. The trio provide practical tips on how investors can position themselves for success in the coming year by avoiding potential pitfalls, being smart about their financing and adapting their investing strategies to keep up with the fast-changing property investment landscape. They also give their fearless forecasts about how 2022 will play out.

In this Episode, Victor Kumar and Steve Waters from Right Property Group discuss the major (and the not so obvious) factors that are shaping 2022. History once again repeats itself and we’ve seen this cycle many times before and have seen the obvious — liquidity factors, moratorium, custom money decreasing, loosening of credit policy, job security, rent increasing in some areas, government grants, and more. All these components, coming together then and now, will play a part in where you are today and in the coming years. Technology is one of the major factors that will continue to affect 2022. With everything digital, it has introduced us to a more streamlined, timely, and cost-efficient process. Now we are far more diligent, effective, and educated. Another scenario we are looking at is the shift of wealth for people who speculated and aggressively jumped into the market and want to go back to their usual lifestyle may cause revenge spending and debts that will surely affect the market. Along with these factors discussed were construction paused because of higher cost, international borders scheduled to open up, credit policy tightened, and borrowing and purchasing capacity, to name a few. As the year ends, real question is, “is your portfolio fragile or on a solid foundation?”. Now is a great time to reshape your mindset and process on where you want to be in the next years. Tune in to know more about these factors you should look into and be aware of to pivot your strategy for 2022 on this podcast.

As talk of an impending rate hike heats up in recent weeks, investors are urged to be critical of the rhetoric of gloom-and-doom surrounding the market and instead focus on fortifying their real estate portfolios. When talking about interest rates, hosts Phil Tarrant, Steve Waters and Victor Kumar say that investors should not ask if and when it will change, but how they can prepare their portfolio when the inevitable monetary policy tightening occurs. The trio also give their expert advice on how investors can prepare for changes to supply and demand dynamics, economic trends and further tightening of lending buffers.

In this Episode 72 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group uncover the truth about data and how this could affect you as an investor. Data is a surviving factor when investing in property, but there could be danger in relying solely on data. If you think data never lies, then you haven’t seen it all. Data is fundamental in investing between the flags, but also routine checks, ground truth, cash flow management, and many more factors that contribute to successful property investing. We live in a world where news is everywhere and today, with the APRA changes, inflation rising, and with the market reacting to the media, data can be misunderstood. Headlines may contain property prices soaring, but this could actually mean growth and be an opportunity for you to take advantage. Successful property investing is making sure you are always in control of the cash flow, have enough liquidity, and have the ability to pivot your strategy within the moving market and your own circumstance. Learn more about how to invest between the flags on this podcast.

With Australia on the brink of fully emerging out of the shadows cast by COVID in 2021, it’s now officially open season for the property market. Will the current real estate trends buckle or boom under the “new normal” conditions? In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar tackle a raft of geopolitical, financial, and economic factors and events that are shaping the spring selling season this year. While it does currently seem to be all systems go for the property market, the trio warn investors against chasing get-rich-quick schemes that are proliferating the real estate industry. They also argue on whether trends that have dominated the property market scene at the height of the pandemic will continue as cities emerge out of lockdowns and borders reopen, before touching on APRA’s recent move to tighten lending standards and how it could potentially affect current dynamics.

As Australia looks to the other side of COVID-19, there’s a number of factors that will have an impact on the market – but how will they interact? Phil Tarrant, Steve Waters, and Victor Kumar tackle a number of the big picture issues that could have an impact on property over the next few months and beyond: geopolitical tensions, pathways out of lockdown, a federal election, and tightened lending are all on the cards. The trio talk about revenge spends and highlight why employment belts are such big indicators of price growth, before discussing the demographic of investors and the rising phenomenon of “the entrepreneurial spirit”.

With widespread and indefinite lockdowns inducing feelings of uncertainty and insecurity among buyers and sellers, what will the spring selling season look like this year? Phil Tarrant, Steve Waters and Victor Kumar discuss the implications of the latest wave of lockdowns on real estate and how it compares to previous lockdowns. Will the market slow down amid a pronounced imbalance of supply and demand? What are the opportunities to be found in the current market? The trio also reflect on the value of the “right” suburbs, and advise investors how they can better understand unique growth patterns and fundamentals that ultimately influence success. Looking forward, Phil, Steve and Victor touch on the road to normalcy that the market is bound to take in the future.

ENCORE EPISODE - DESIGN YOUR DECADE PART 2 We hope you enjoyed part 1 of DESIGN YOUR DECADE covering years one through five. Part 2 focuses on years five through 10 of one’s property investment journey. Steve Waters and Victor Kumar join host Phil Tarrant to outline the fundamental shifts that occur in the second half of the decade, and the notion of a static 10-year plan and a rolling 10-year plan running in parallel. Victor, Steve and Phil talk about the importance of consistently reviewing one’s portfolio, the major milestone that should occur around the 10-year mark, and the dangers of chasing the latest strategic fads. There are so many golden nuggets of goodness throughout that are applicable to those who are planning to start their property journey to those who may have started decades ago. So no matter what stage you are at you will find value in what Steve, Victor and Phil have to share. The best investors are those that have strategies in place to withstand and succeed in any given situation, whether that be changing personal circumstances or a broader economic crisis triggered by a global pandemic. ...................................................................................................................... Subscribe & Review in Apple Podcasts If you found value in this episode, please leave a review on Apple Podcasts! Our mission is to help as many people as possible and when you leave a positive review, more people can find this podcast! Simply select “Ratings and Reviews” and “Write a Review” and tell us what your favourite part of the podcast is. Thank you!

Mixed data is coming out of the property market, with record-low interest rates, pent-up demand and limited supply fuelling strong price growth. On the other hand, prolonged lockdowns and talk of macro-prudential policy could inflict negative impacts. Dissecting recent developments, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss last year’s missed predictions of 30 per cent market falls and why the rhetoric is different during the most recent lockdowns. The trio also chat through some of the key topics you need to know as an investor, including how to use the current market trends to position your portfolio and whether it’s time to offload those poor-performing assets. Looking forward, Phil, Steve and Victor touch on the dangers of predicting the future.

ENCORE of the most popular (and Melissa's favourite) episode! The DESIGN YOUR DECADE episode was published on 26th June 2020. Phil Tarrant and our own, Steve Waters and Victor Kumar deep dive into the critical questions for investors to consider when approaching the first five years of designing their decade. Regardless of where you are at in your life, the Design your decade episode is a MUST listen for everyone. There are so many golden nuggets of goodness throughout that are applicable to those who are planning to start their property journey to those who may have started decades ago. So no matter what stage you are at you will find value in what Steve, Victor and Phil have to share. As an experienced investor Melissa has found this particular episode really resonate and gave her the reminder of what she needed when it comes to the importance of reviewing their portfolio and dedicate regular time towards it. The episode also gave her the opportunity to reflect on their journey so far and where it was headed in the coming years. She distinctly remembers listening for the first time as she was driving and thought to herself " Steve and Victor have really nailed it with this episode". Key points: 4.07 - Control what you can influence 7.45 - Where do people go wrong? impatience and not organised! - anyone that has deviated from the fundamentals will hurt 10.31 - Navigating the first 5 years 12.25 - Transition point from consuming information to implementation. Most people get stuck in information overload 14.50 - A fundamental point in time for experienced investors to reflect and reset 17.00 - What are your tolerances to capital and cashflow 20.19 - critically analyse your lot in life. Each person will be different. 31.00 - The banks will tell you what you can afford, however only you know what you can afford. Often there is a big difference. 34.00 - Formulate strategy based on finance. The best investors are those that have strategies in place to withstand and succeed in any given situation, whether that be changing personal circumstances or a broader economic crisis triggered by a global pandemic. ...................................................................................................................... Subscribe & Review in Apple Podcasts If you found value in this episode, please leave a review on Apple Podcasts! Our mission is to help as many people as possible and when you leave a positive review, more people can find this podcast! Simply select “Ratings and Reviews” and “Write a Review” and tell us what your favourite part of the podcast is. Thank you!

As property markets continue their post-pandemic boom, investors are being urged to look at each property’s fundamentals instead of listening to overall market myths. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar break down some of the biggest myths in property – from “all property grows at the same pace” to “valuations always lag sale prices”. The trio also discuss how today’s results don’t necessarily set up an investor long-term, whether or not bargains are still available in a hot market, and whether investors should target yield or growth in today’s property cycle.

In Episode 66 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group unpack five investor profiles. The evolution of a successful investor is about identifying your investor profile. Victor and Steve have for many years referenced the four investor profiles and most recently have added a fifth. 1. The collector loves ownership, wants to buys something. Just wants to be an investor. We see a lot of them in this market. Generally not strategic as they get caught up in brag rights and number of doors they have and mistake action with results. On the upside buying one is better than doing nothing! 2. The Observer loves the idea of investing but does nothing as there is always a reason for not doing something which is usually wrapped around fear? FOMO in reverse – shoulda, woulda coulda…… The observer spends endless hours poring over analysis and opinion, discussing statistics and rationalising their choices. They will set up an extraordinary number of ‘watch lists’ on their favourite property portal, and examine the results forevermore. The key failing is they get caught in the endless loop of analysis and are eventually paralysed into inaction. The right time is always now! To get to the profits, end goal you have to be IN the market to begin with. 3. The speculator loves to brag and accumulate front doors, quick wins, and rolls the dice. They are lovers of action and the thrill of the chase. Most that speculate tend to only look at the positive side rather than looking at the finer details and what could go wrong. Any investment class has a form of speculation around it . Everyone has been a speculator in some capacity. Being a speculator sounds like a heap of fun, because they operate with almost no perception of risk, making big decisions on the fly. Who isn’t thrilled by the adrenaline rush of quick wins? The speculator is on the constant hunt for opportunities to purchase and profit. Driven by the desire for fast gains, they’ll forego sensible due diligence and, instead, try to outwit the market. The speculator’s view is entirely short-term – they love the action – but speculation without information is a risky game in property. And the downsides can be extremely costly. 4. The investor is the most sophisticated of the four types. This is what you want to be, or at least, where you’ll want to end up. The investor loves opportunity and is prepared to take advantage. The investor has their finance at the ready and research on hand. They’re aware of what’s needed for their portfolio to thrive in the long run. As the investor the strategy that you deploy is always pivoting slightly. There is always something that will come up where adjustments need to be made. Controlling the now. 5. The resentful investor almost always comes out when things don’t go their way. They let go of all commonsense. They focus on nothing but growth. Because everything is humming along so I can afford all of this but then the rate of growth slows, rates increases and the lack of CF becomes very apparent. Resentment then sets in. At this time of the cycle they don’t exist but come the next 3-5 years they will crop up as commonplace. All profiles lead to the resentful investor if you aren’t well considered and stay the course. To prevent the resentful investor coming out, Right Property Group clients have regular portfolio reviews by Victor and Steve - guidance and clarity in keep your finger on the pulse and are seen as an important element to controlling your portfolio. Need guidance on where to next? then book a blueprint meeting with Victor or Steve. Click here https://rightpropertygroup.com.au/blueprintsession/ If you have any questions about what you heard today please email questions@rightpropertygroup.com.au

As property markets continue to boom post-pandemic, investors are being urged to stick with the fundamentals that underpin good buying decisions instead of letting ego and greed take over. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss the notion of control in property investing, challenging the fallacy of the one-in-a-hundred-year natural weather event and why investors should focus on both growth and cash flow to increase their chances of success. The trio also talk about taking an educated approach to investing, why investors currently think they are bulletproof, how it’s easy to gain wealth but hard to maintain it, and why the current friendly market fundamentals are set to fade over time.

As the property market goes from strength to strength, with low rates, FOMO and undersupply creating a seller’s market, active investors need to get creative in order to maximise value. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss the tactics to building a truly smart property investment portfolio and whether those same tactics used after the GFC are still relevant today. The trio explore the concept of ‘market value’, how to add value to a property that investors have paid top dollar for, and whether property investors can continue to negotiate with sellers in a rising market.

In Episode 63 of the Investing Insights podcast, Victor Kumar and Steve Waters from Right Property Group have a detailed discussion on a wide range of topics including the pulse of the market, agent mechanics of listing a property in todays market and insights into finance. The question most people tend to ask is “Is now the right time to get into the property market?”. For each person this will be a different answer as depending on your own set of circumstances – Its not a clear answer. Investing is about timing the market in terms of YOUR set of circumstances. Eg Two years ago you couldn’t borrow due to thresholds and today you can. So potentially it is your time. It all comes down to being business orientated. Far too many people think the hardest part is purchasing. Actually it the reverse. It’s the how you control the purchases and manage the years ahead of holding the asset. Buying within your own means. Buying on what YOU are trying to achieve by purchasing towards a plan. At times like this you can re arrange your portfolio – if they are no longer fitting and doing what they need to do. Before you jump into selling, consideration of the associated costs need to be worked through. E.g .transactional costs as well as replacing the rental income. When it comes to finance rates will go up. It's reality that they won't remain the way it is. The golden rule of asking a bank is "are you cross securitised ?". There is a time and place however its is well worth the while checking in with a broker experienced in structuring investment property loans. Like we have said many times before remember you ALWAYS want to be liquid. When you can borrow you should, you don’t need to spend it. Have the money before you need it. The key to investing is to be prepared for the opportunity rather than the other way round where you then need to shortcut the process. Never ever forgo the pest and building for example. Have your team around you when entering the buying process - Property strategist, Broker, Accountant & Conveyancer. You will hear all of this and much, much more in this episode of Investing Insights! Are you ready to take the next step in your property investment journey, or simply need guidance on where to next, then book a blueprint meeting with Victor or Steve. Click here https://rightpropertygroup.com.au/blueprintsession/ Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au

The property market is flourishing across the country, with a case of FOMO, coupled with undersupply, sending prices north. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss why assertive action and due diligence are key in a rising market. The trio explore what the economic ecosystem is telling us about this period of growth, the consequences of poor decision making, how New Zealand has moved to curb its soaring property prices, and more.

In Episode 61 of the Investing Insights podcast, our hosts Victor Kumar and Steve Waters from Right Property Group along with special guest Sze Chuah from MLS Finance discuss the five absolute finance musts to protect and enhance your borrowing capacity : 7.30 - Welcome to special guest Sze Chuah, MLS Finance. 8.30 - Changeover from responsible lending to responsible borrowing and what specific changes are looking to be made. 9.50 - Buyer confidence is high, preapprovals are high so longer application times. 12.09 - Many investors are deemed complex so they go to a separate queue as opposed to a first home owner. 13.44- Every finance application is in effect a business proposal. 16.35 - Really important to understand the type of finance you are getting . By working in with property partners you can get a better outcome. E.g. having the insights of the lenders and close collaboration is more so today in this market. 18.20 - Product Selection – don’t be soley rate orientated. The best rate isn’t necessarily the best for you and your portfolio. Rates are important though as they drive serviceability and repayments. 20.25 - People are under the impression that if they have equity they can uses it. No longer is it a foregone conclusion. Post APRA and Royal Commission lenders are scrutinizing the purpose for the equity releases. 21.05 More solution base lending. Many more considerations other than the rate. 22.07 - Offset – a super handy facility. A bank account linked to the home loan with a balance that reduces your interest. Instead of putting money in a high interest account you are saving what the interest rate is that your are paying. One of the best products in the finance eco system. Gives us the ability to dump money in and to be liquid. 27.48 – Lenders Mortgage Insurance (LMI) – 88% plus LMI sweet spot. 29.47 – reducing NON-DEDUCTIBLE DEBT. Minimizing credit cards, car loans, car leases etc as this affects serviceability. Investment debt is calculated more favourably. 32.20 Control the cash flow control the opportunity 33.01 a 60k car lease looking at about $1500per month approx taking around 300-400k of a mortgage – buy the car or buy a property. There are other options to car leases to maximise your borrowing capacity. You need to be tactical and methodical, what steps are you going to take today to enable to be in x position tomorrow. 37.36 REPAYMENT STRUCTURE from a property perspective with intent of a potential reno and flip needs to weigh up heavily with cash flow plan of the property must be considered – equity harvest etc, 39.56 Fixed / variable/ IO/ PI comes down to the plan for the property and also the banks policy / rues on for example harvesting equity 40.35 EQUITY HARVESTING and how it can benefit. Banks are deprioritizing those wishing to extract equity. Its about creating buffers and mitigation for the future. You have the money before you need it. Liquidity is such an essential part of any investment platform. Being ready, being opportunistic. Protecting your position 46.40 INCOME – Disposable income. Some lenders are good some not so good at different types of income eg with commissions. Brokers will understand the lenders products and policies and match what you are trying to achieve. Income is also about expenditure. Expenditure is the easiest way to increase income. Review of rents, adjust interest rates and the combination may allow for increased borrowing capacity. 52.59 LENDER SELECTION –ties everything together. The right lender will give you the element of all of the above right product for right rates. We hope you have enjoyed listening to this episode of the Investing Insights Podcast. Do you have a question? email questions@rightpropertygroup.com.au Book a blueprint session with us here- https://rightpropertygroup.com.au/blueprintsession/ For more information on how MLS Finance can assist you go to https://www.mlsfinance.com.au

On the resumption of the fifth season of Investing Insights with Right Property Group, Australians are being urged to ride through the ups and downs of the property game, with patient long-term investors likely to be rewarded over those vying for ‘overnight success’. In this episode, hosts Phil Tarrant, Steve Waters and Victor Kumar discuss how they first met a decade ago, why the property market is eerily similar today to what it was in 2011, and the lessons learnt over their journey together. The trio explore the growth in property over the last decade and how investors can use their previous success to take advantage of the current bull market.

In Episode 59 of the Investing Insights podcast, our hosts Victor Kumar and Steve Waters from Right Property Group discuss: The balance of Growth and Cash Flow, these are both very important in a property portfolio. They need to be balanced both for today and the future What you do now will set yourself up for the future. Market updates from Sydney and surrounds, Queensland, Victoria and Perth including lack of listings across the board and vacancy rates. Developing a portfolio that can pivot as your life changes. The planning process never stops! Regular portfolio reviews are key. The true investor invests during the good times and the bad. Make the best of the market as it is. Flexibility within your strategy is important. Cash flow is not all about income but also expenses. Cash flow management is key. You will hear all of this and much, much more in this episode of Investing Insights!

In Episode 58 of the Investing Insights podcast, our hosts Victor Kumar & Steve Waters from Right Property Group discuss the importance of laying the foundations, committing to fundamentals and understanding your finances is key to your success in property investing. - Agile not fragile investment - Number 1 rule in investing is - its very easy to to get into property however, its substantially harder and often more costly to get out. - Each property you purchase needs to have longevity and perform as though COVID didn't exist. - you never want to find yourself in an investment where you are stuck - Fundamentals are so important. Always consider your own situation and circumstances. What is good for another isn't necessarily good for you. - Beware of the media. There are so many factors at play that the headlines and narrative that is created. - Victor's quote of the day "You can't outsource your pushups". You can't pay someone to do your pushups for you to get you fit, you need to do them yourself. The same applies to due diligence. - Cash flow is the expansion joint which is needed to absorb the different movements in your portfolio. - Do you have your "get out of jail free" card? Things will go wrong. You need to be comfortable that your portfolio is able to weather the storms. - Regional areas- be aware of the sub par regionals and holiday areas. Are they a flash in the pan? You will hear all of this and much, much more in this episode of Investing Insights!

In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar and Phil Tarrant round up 2020 and reflect on events that impacted investing. The trio reflect on the onset of the COVID-19 crisis, opportunities in an uncertain market and the attitude shared by the best investors in the market. They also touch on the most recent federal election and how it left an imprint on property, comparing that with the COVID impact.

In Episode 56 of the Investing Insights podcast, our hosts Victor Kumar & Steve Waters from Right Property Group discuss how to use the festive season break to evaluate 2020 and prepare and plan for 2021. Key messages include: -The world as we know it has changed in 2020 with the shape of investing changing too. What has not changed are the fundamentals when it comes to property investing. - Its not just about buying a property, its also managing the property. rather than the popular term "Buy and hold", it is more a case of "Buy and manage" - Investing in property isn't a passive income generator as there is still an element of work required. - What we do now to manage our position will put us in good stead at the start of 2021. More so than previous years, the festive break is the time to pre-plan for 2021 and learn from the lessons of 2020 - work, finances and lifestyle. - Rolling decade - move and tack. Now, 3,5 and 10 years time. There are always adjustments you need to make . - Investors need to careful that their strategy doesn't pigeon hole them preventing further progress. - Its important to know what your position is at any given time. Get your baseline. - Depending on where you are be it acquiring, managing or the consolidation phase its a lonely journey when you are doing it yourself. - Being supported as part of a tight network will minimise giving up when hurdles come along. You will hear all of this and much, much more in this episode of Investing Insights! Are you ready to take the next step in your property investment journey, or simply need guidance on where to next, then book a blueprint meeting with Victor or Steve. Click here https://rightpropertygroup.com.au/blueprintsession/ Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au

In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar and Phil Tarrant discuss buying in the GFC, property lessons, emotional investing and strategy. They also dive into predictability, finance and opportunities. They explore the history of Right Property Group and property investment, including strategies and opportunities now and in the future.

In Episode 54 of the Investing Insights podcast, our hosts Victor Kumar & Steve Waters from Right Property Group discuss the recent rate cut, US President elect and the trickle down affect to Australia, and how believe the truth or believe the data can impact your investment decisions. Tune in to hear them unpack: - Consumer sentiment shift - Now v GFC and the key similarities between the two - The Worlds reaction to a COVID-19 vaccine announcement by Pfizer, the impact on Australia and most importantly property. What does the future look like once the borders open globally? - President elect and the trickle down affect on Australia - Data in a dynamic market. Avoid being caught out using old data. - You can have all the data in the world, however for it to be truly useful you need to drill down further to ensure that even though the boxes may be ticked, does the property suit YOU and your circumstances. - NOW is the time to be prepared. Do your housekeeping including review your loans, assess your household budget and simply spending time reviewing where you are at. You will hear all of this and much, much more in this episode of Investing Insights! Are you ready to take the next step in your property investment journey, or simply need guidance on where to next, then book a complimentary blueprint meeting with Victor or Steve. https://rightpropertygroup.com.au/blueprintsession/ Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au

The knock-on effects of the COVID-19 pandemic on Australia’s property market are comparable to the Global Financial Crisis (GFC), but are investors actually better off than ever? In this episode of Investing Insights with Right Property Group, Steve Waters, Victor Kumar and Phil Tarrant discuss the tangible outcomes they’ve witnessed since the pandemic was declared earlier this year, and compare this to the aftermath of the GFC and its impact on Australian property. Steve and Victor share why now is the time to buy for many investors, the information overload that puts buyers in a better position than ever and how to spot the dangers of a “would-be expert” when designing your investment strategy.

In this episode, our hosts Victor Kumar & Steve Waters from Right Property Group share their views on the recent media shift on the property market from doom to boom the federal budget, , and more! Tune in to hear them unpack: - key ingredients of the property pie in place for the first time since 2001/04 that piece together for strong growth surges in select markets - how speculation can end in "tragedy" as opposed to operating from a place of foundations and good strategy. - the responsible borrower and managing cashflow - the market between now and Chriustmas - vacancy rates and predictions over the next 18 months. You will hear all of this and much, much more in this episode of Investing Insights!

There’s no shortage of information in the media speculating on the state of the Australian property market, but Right Property Group’s Victor Kumar and Steve Waters have cautioned against accepting all we see and hear as fact. On this episode of Investing Insights with Right Property Group, Phil Tarrant chats with Steve and Victor about how dangerous “wildly inaccurate” statements can be to the psyche of a property investor. The trio discuss the real housing crisis that’s facing Australia, compare what’s being reported on property in the media with what’s actually happening on the ground, and highlight how investors can better analyse published figures.

How being an invested investor counts - Navigating the data, on the ground truths of vacancy rates and the importance of cash flow. In this episode, our hosts Victor Kumar & Steve Waters from Right Property Group share how important more than ever it is to navigate the data, the on the ground truths of vacancy rates and the importance of cash flow. Tune in to hear them unpack: - On the ground data of vacancy rates dispels what the media are telling us - The importance of getting granular in your approach to analyzing and researching the market. - Risk mitigation and buffers and how these play into your portfolio performance and the "sleep at night" factor - The role of commercial property in your portfolio. Commercial is not for everyone and shouldn't be the cornerstone of your portfolio. There is risks and rewards and these are important to understand. - How regular reviews of your portfolio including mortgage structures, interest rates, rent reviews and maintenance are paramount to your success as an invested investor as opposed to a passive investor You will hear all of this and much, much more in this episode of Investing Insights! Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. https://rightpropertygroup.com.au/blueprintsession/ If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au for more.

With so much information making waves in Australia’s media landscape, Right Property Group’s Victor Kumar and Steve Waters have reiterated the importance of property investors going back to basics. On this episode of Investing Insights with Right Property Group, Phil Tarrant is joined by Steve and Victor to explain how the fundamentals of buying property remain the same despite changing market conditions. The trio discuss the difference between information versus knowledge, why panic buying never pays off and the three worst traits an investor can possess when looking to expand their portfolio.

A comprehensive property investment strategy should always involve thorough planning from a finance perspective. In this episode our hosts Victor Kumar & Steve Waters from Right Property Group are joined by a special guest, Sze Chuah from MLS Finance. Sze is one of the top 30 brokers in Australia and an active property investor with over 25 investment properties under his belt. Tune in to hear them unpack: - How lockdown 2.0 has impacted the economy and market tempo - All aspects of the recent finance changes - Ways to increase your borrowing capacity - The importance of structing your loans and deciding who should be on title vs on the loan You will hear all of this and much, much more in this episode of Investing Insights! You even have the opportunity to speak with Sze to review your current finance structure to ensure you are on the best products available. Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group & MLS Finance on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au for more.

The Right Property Group directors are back for the second instalment of “Design your decade”, this time focusing on years five through 10 of one’s property investment journey. Steve Waters and Victor Kumar join host Phil Tarrant in this episode of Investing Insights with Right Property Group to outline the fundamental shifts that occur in the second half of the decade, and the notion of a static 10-year plan and a rolling 10-year plan running in parallel. Victor, Steve and Phil talk about the importance of consistently reviewing one’s portfolio, the major milestone that should occur around the 10-year mark, and the dangers of chasing the latest strategic fads.

Most property investors lack an overall strategy. The most common misconception is that you should buy as much property as you can and it will eventually work out.  Victor Kumar & Steve Waters from Right Property Group strongly advocate that creating a balanced portfolio, combining both growth and cash flow is GOLD. It's imperative that you balance both ends of the equation to get to the result and don't become impatient. They will take a deep dive into ensuring you don't confuse action with results. Action needs to be deliberate and sometimes the best action to take is no action: waiting it out, letting your portfolio consolidate, and letting the cash flow settle down to get through the initial flurry of expenditure will allow you to look at the impact on the portfolio, the impact on your borrowing capacity and ensuring that this step is getting you closer to the end goal. Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group on social media: Facebook, Instagram, and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au for more.

The best investors are those that have strategies in place to withstand and succeed in any given situation, whether that be changing personal circumstances or a broader economic crisis triggered by a global pandemic. Tune in to this episode of Investing Insights with Right Property Group to hear Phil Tarrant, Steve Waters and Victor Kumar deep dive into the critical questions for investors to consider when approaching the first five years of designing their decade. They reveal how to figure out your cash-flow tolerances, what separates a successful investor from a punter, how to plan for a crisis that hasn’t happened yet, and details about a special offer for listeners to the podcast.

Special guest, Bradley Beer, CEO of the largest and most trusted quantity surveying firm in the country, BMT Tax Depreciation, joins hosts Steve Waters & Victor Kumar from Right Property Group to share his unique insights into property investing and depreciation as well as shares some insights into his own investment adventures. In this episode Steve, Victor & Brad examine different options available to ensure you claim the maximum deductions for your investment property and reveal some of the biggest misconceptions around depreciation, proving that whether your property is old or new, you don't always have to spend money before you can claim it.  Having completed over 700,000 depreciation reports across the country and just last year assisting clients to claim approx $8,000 of deductions - in the first year on average, this episode will arm you with some hardcore facts to assist you in getting the most out of your investments as we head into tax time. Did you like this episode? Show your support by rating us on iTunes (Investing Insights) and by liking and following Right Property Group and BMT Tax Depreciation on social media: Facebook, Instagram and LinkedIn. If you have any questions about what you heard today or any topics of interest you have in mind, feel free to email questions@rightpropertygroup.com.au for more.

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.

It has taken a global pandemic to force a lot of Australian's to find the time to take a proper look at their spending and exposure. On the bright side, the actions you take now to arrest your cash flow will have a positive impact on your portfolio over the next decade. In this episode of Investing Insights with Right Property Group, hosts Steve Waters and Victor Kumar share their key tips to creating options within your portfolio. They touch on the strategies you can employ such as: adding a secondary income, renovating to draw equity, essentially finding someway to be liquid, and start correcting your cash flow position. It's a perfect time for a reality check and it is important that you don't confuse action for results. It might be time to slow down or hasten the pace if you are falling behind in terms of opportunity cost, there needs to be an endpoint where you retire the debt. Always make sure you are aiming towards your end goal because planning and modeling can be very assumptive and you can't model a virus into the equation.