Property and Investing: Recent Episodes
Property and Investing
It’s absolutely possible for an Australian, like you, to have it all. The only limiting factor to success in your success is you!
The Property and Investing podcast exists to help you overcome your limits. Hosted by Australian property investors Grant Merriel and Charley Valher, the show is dedicated to sharing information, insights and tools to help Australians, like yourself, build a stable, thriving property portfolio that unlocks your money and life goals.
Grant and Charley both dive into their own experiences with their fellow property experts and trusted professionals to help you become a successful property investor.
EP 34:
I once thought... Is it possible to invest in property without dealing with broken air conditioners, appliances, and additional expenses?
Something that is truly passive and doesn’t require someone to manage them,
But still with access to the leverage of debt, compounding interest, cash flow, etc.
That is when I came across REITs!
Join Grant and I in this podcast as we dive deep into the topic so you can learn more about the different shapes and sizes of REITs.
Episode Highlights:
00:00 Welcome to Property and Investing
05:07 What is a REIT?
06:42 Investing in real estate when you’re overseas
09:10 REITs vs syndicates in property investing
10:43 Different REIT strategies
17:41 Venture capital funding and REITs
20:50 Difference between REITs and companies
24:34 The biggest trade-off in buying property on your own vs REITs
30:09 What level of control do you have over REITs?
If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 33:
Whether I’m scrolling past an article or overhearing it on the news,
It seems like the mainstream media are constantly bombarding us with stories about the impending boom or bust of the property market.
I can totally see how people can misinterpret this and become short-sighted with their perspectives on property,
Fortunately, we’re here to change the conversation!
Grant and I are breaking down the obsession to hit a home run over the next 12 months when in reality, property market is a long-term game.
Tune in now!
Episode Highlights:
00:00 Welcome to Property and Investing
01:59 Playing the short-term vs long-term game in real estate
03:35 The media’s influence on investing
06:32 Are you in the right financial position for property investing?
09:42 Weighing your investment decisions
16:31 Taxes in property investing
19:07 Looking into the reasons why you’re investing
24:28 Keeping track of your numbers
26:27 Passing down your investments
27:17 Short-term vs long-term investments: a wrap-up
If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 32:
When it comes to life’s big decisions,
Whether that’s moving from your hometown, deciding to start a family, buying your own home, etc…
There will typically be one person in a relationship who is more enthusiastic about the new idea than the other.
So, to tell you the truth…
Investing in property was one of those moments for Bianca and myself.
Which is why I’m walking you through how I approach it.
This will ensure you don’t have to endure those awkward car drives or ruined family dinners like I did!
So, let’s get down and dirty…
As Grant and I talk about our experiences with getting our respective partners on board with investing!
Episode Highlights:
00:00 Welcome to Property and Investing
02:23 Do you need to have your partner on-board if you’re a property investor?
04:02 What we expected from our partners when we started property investing
10:40 How we got out partners on board with property investing
17:16 There’s always an instigator and there is some resistance
19:07 Overcoming resistance
25:19 Advantages of having supportive partners
29:38 Having a joint vision
30:03 Lack of communication and how can partners support each other
38:51 Personal development and money psychology
43:43 Create a safe space to have hard conversations
44:48 How we’d structure our conversations on property and investing if we could do it again
51:41 Shoutout to our lovely wives, Bianca and Hazel
If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 031: I’m back in the market, hunting for opportunities again.
Fortunately, it feels like everyone is avoiding the capital growth approach because they’re more concerned with protecting their cash flow.
So, in true vulture nature…
I’m leaning into them.
In this week’s podcast episode, Grant and I are covering our latest property investment updates and the new acquisitions I’ve been busy making!
Episode Highlights:
00:00 Welcome to Property and Investing
03:42 Grant’s recap on his property investing goal for 2023
04:28 The accumulator halted; why and what’s next for Grant?
14:05 Knowing the impacts of buying a PPR as a property investor
15:12 Shifting strategies, do you know the consequences?
18:06 Environments change. Watch out!
20:50 Change of my property investing goals
25:00 I’m being too conservative now, this is what I decided on
26:44 The abundance of growth opportunities
32:41 The risk is not in the investment, it’s in the investor
33:58 Opportunities in the market in a cycle
35:53 Malleability as a property investor
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ EP 30: Debt Recycling with Aaron Whybrow: https://propertyandinvesting.com/ep-030-debt-recycling-with-aaron-whybrow/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 030:
As an investor, I'm sure you have heard every tip or trick to speed up the process…
If you’ve been in the game for some time now,
I can imagine nothing surprises you anymore…
So, today I’m going to test that! 😂
With the idea of RECYCLING!
What if I said that there was a way to optimise the way you use debt?
Specifically non-tax-deductible debt
(the debt on your principal place of residence - PPOR)
Well, it’s a magical thing called Debt Recycling…
If used correctly, the advantages here can be an unlocker!
(I feel like a broken record… but…
This is not financial advice,
I don’t know your situation at all,
Speak to a professional before making any decisions)
What to learn more?
In this week’s podcast episode, Grant and I are unlocking the secrets behind debt recycling as we speak with our resident mortgage broker, Aaron Whybrow…
So that you can explore if it’s possible to legally minimise your tax and build wealth faster!
We’ll be discussing:
- What is debt recycling?
- How effective is it?
- Who should and shouldn’t be using it
- As well as how it affects trust and more!
PS: So, have you heard of this before?
If so, have you actually used it to your benefit?
Episode Highlights:
00:00 Welcome to Property and Investing
03:28 Is it a busy time for Aaron?
04:41 What is debt recycling?
09:10 Is debt recycling cross-collateralising assets?
11:06 How effective is using debt that is non-tax deductible as a strategy?
13:12 Can you leverage debt recycling to buy a PPR?
15:23 Who shouldn’t use debt recycling?
20:30 Is it possible to make a heap of tax-deductible debt non-tax deductible?
25:53 Better strategies to buy a PPR instead of debt recycling
29:58 Holding on to assets isn’t always beneficial
31:45 Impacts of debt recycling on investments that are in trusts
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ If you want to find out more about our guest, Aaron Whybrow, head over to: https://propertyandinvesting.com/partners/
About the Guest:
Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.
Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.
He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 29:
If you’ve been keeping up with the latest property news,
It’ll be no surprise that prices have increased again this month despite consecutive rate rises.
So, if interest rates aren’t pushing buyers out of the market,
What is actually driving these changes?
Well…
In this week's podcast episode, Grant and I are joined by Goose McGrath as we dive into what's really been happening in the Australian property market.
Tune in now to discover what's latest in the property market!
Episode Highlights:
00:00 Welcome to Property and Investing
02:50 Why are property prices increasing despite the consecutive rate rises?
10:39 What drives changes in the property market?
17:02 Median income vs median house price
24:08 The impact of the population on the property market
27:52 What happened to the Australian property market during the pandemic
31:40 Interest rates and the future of the Australian property market
37:51 Building and growing your property portfolio
If you enjoyed this episode, be sure to subscribe, tune in, and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Business & Investing partners: https://businessandinvesting.com/partners/
○ Check out Goose's podcast at The Investor Lab: https://theinvestorlab.com.au/
○ Want to start investing in property? Book a discovery call with Dashdot: https://dashdot.com.au/discovery/
About the Guest:
Goose McGrath is the CEO of Dashdot, a property investment firm helping business owners build prolific, profitable property portfolios. They specialise in sourcing properties that are under market value, cashflow positive and have strong growth and value add potential.
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 028: In property, it’s always been the simple, "Long-term strategies that have made the most millionaires…"
Therefore, having the right mindset to get you through the whole journey could make all the difference!
And we’re here to set the record straight.
In this week’s podcast episode, Grant and I are revealing why most property investors fail and how you can avoid these same mistakes!
PS: Were you risk-averse like me? Or were you too fearless for your own good? Leave a comment or send us an email.
Episode Highlights:
00:00 Welcome to Property and Investing
04:14 Understanding money psychology
12:02 Building the identity of a property investor
14:03 Unpacking our personal experiences with psychology in property investing
20:00 Sometimes, you are the problem
26:05 How do mentoring and modelling help you?
35:38 Needing to be right vs needing to be rich
37:00 Tips to become a successful property investor
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Master Mind and Money by MJB Seminars: https://mastermindandmoney.com.au/
○ Ultimate Wealth Mastery Library: Key Strategies for Financial Mastery by Dr. John Demartini: https://www.amazon.com/Martinis-Ultimate-Wealth-Mastery-Library/dp/B091D8W3KQ
○ Unhindered: The Seven Essential Practices for Overcoming Insecurity by Jaemin Frazer: https://www.amazon.com/Unhindered-Essential-Practices-Overcoming-Insecurity/dp/0648894207
○ Awaken the Giant Within by Tony Robbins: https://www.amazon.com/Awaken-Giant-Within-Immediate-Emotional/dp/0671791540
○ Unlimited Dr Joe Dispenza: https://drjoedispenza.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omny.fm/listener for privacy information.
EP 027: In this week’s podcast episode, Grant and I are preparing for the 2023 property tax season!
We’re here to help you avoid unwanted mistakes and maximise your tax minimisations.
We’ll be discussing:
-
How to find a good accountant
-
Why you need to be across your books
-
As well as land tax, structures and more!
P.S. How have you prepared for EOFY? You know I love property, so I’m super curious to hear how you are approaching tax. Let us know.
Episode Highlights:
00:00 Welcome to Property and Investing
02:44 Not thinking about property investments as a business
04:27 Strong numbers and data
05:12 Opportunities and benefits of knowing your numbers
06:34 Negative gearing isn't the only strategy to win the tax game
09:19 Tax loss harvesting
14:08 When to speak to your tax accountant
15:36 Forecasting your payable tax for the year
16:52 Going through what my plan and strategy is for the next year
19:05 Best question to ask your mortgage broker and accountant
19:49 Is it time to look for another accountant as a property investor?
22:22 Land tax and changes to structures
24:14 Importance of structures and setup from a tax perspective
31:00 Why it's more beneficial to have an accountant that's a property investor
31:27 Parking your cash in different offsets
33:42 Property investors need to be across their books and ready for tax season
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 026: I’m sorry to break it to you but…
Equity isn’t what you think it is.
In this week's podcast episode, Grant and I are uncovering the dark side of equity that you didn’t know as well as how you can use it to your advantage without eroding your cash flow or taking on unnecessary risk.
We’ll be discussing:
-
Why you shouldn’t be stripping out equity
-
How we’re improving our cash flow positions
-
As well as time in the market, deposits and more!
P.S. Send through the misconceptions you had but then later learnt weren’t serving your best interests! I’d love to hear them and potentially discuss them in a future episode!
Episode Highlights:
00:00 Welcome to Property and Investing
02:31 Will we invest in a business that grows through leveraging debt?
06:25 What is equity?
08:19 Why is equity so attractive?
10:17 Improving cash flow and getting into a negative cash flow cycle
14:29 Finding the balance and art in using equity
15:04 Using cash deposits for property purchases
19:00 Putting efforts in the right direction as a property investor
25:07 Time is the only lever that you have
27:02 Buying a commercial property using equity
30:04 Risks of not being able to contribute income to your property investments
30:14 Stripping out equity is not the best strategy for property investing
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 025: In this week’s podcast episode, Grant and I are back with our May 2023 property round up!
To keep you up to date on the market, we've compiled everything that has happened in property since last month's episode.
We’ll be discussing:
-
The effects of interest rates
-
Psychology and human behaviour
-
The CoreLogic property report for May
-
As well as inflation, our forecasts and more!
P.S. What are your predictions for the next RBA meeting?
Episode Highlights:
00:00 Welcome to Property and Investing
01:54 RBA surprise increase
04:39 Knock-on effects of rate increases
05:58 Psychology and human behavior during rate increases vice versa
11:29 Why does real estate work? Supply and demand
18:32 The biggest proprietor of inflation
20:44 Revenue government gets from property
23:35 Will interest rates go up next month?
31:32 What are we forecasting now with our properties?
33:25 CoreLogic report for May
40:02 The inefficiencies in property everywhere
42:02 Rents are up, supplies are getting worse
45:15 Our outlook on property overall
47:43 Mortgage prison
52:04 How long before anything breaks
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ RBA Rate Tracker https://www2.asx.com.au/markets/trade-our-derivatives-market/futures-market/rba-rate-tracker
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 024:
Interest rates have risen so much since then that properties that were once positively geared when purchased are now falling (or have fallen) into negatively geared positions.
Nowadays, investors are defending their cash flow by saving on groceries and other essentials.
So, in our current environment, is it still possible to find cash flow positive properties?
In this week’s podcast episode, Grant and I are answering that and all of your Q&A submissions!
PS: Post a comment or send us an email with the questions you may have about property investing, and I’ll make sure that we get to them in a future episode.
Episode Highlights:
00:00 Welcome to Property and Investing
04:03 Is it possible to find positive cash flow properties nowadays?
07:37 What to consider when finding positive cash flow properties
13:16 Finding ways to transform negative cash flow
18:30 How do you approach inspecting and buying properties in other states?
22:40 The role of buyer’s agents in property investing
25:47 Different aspects of property inspection
29:03 Buying a property in another state
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 023: In this week’s podcast episode, we’ll be covering everything you need to know when you’re considering to buy a home.
Together with Aaron Whybrow and Karina Fox of Diagnostics and Finance, we’ll be discussing:
- The limitations of rent-vesting
- Considerations before buying a PPR
- As well as equity, borrowing capacity and more!
PS: Share with us your experiences! Have you bought the big PPR or are you still rent-vesting? I’d love to hear some real world experiences around this topic!
Episode Highlights:
00:00 Welcome to Property and Investing
03:36 When is the right time to buy your PPR?
10:22 Other considerations to get you buying a PPR
15:01 Karina’s rental experience and professional house sitting
18:42 Limitations of rentvesting
19:48 Is being a rentvestor still viable in Australia?
24:30 The borrowing power of a rentvestor and the owner occupier advantage
26:42 What's too much house?
34:32 Using equity or selling an investment property to purchase a PPR
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ If you want to find out more about our guests, Aaron Whybrow and Karina Fox head over to: https://propertyandinvesting.com/partners/
About the Guest:
Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.
Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.
He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.
Karina Fox has extensive experience in Finance, Mortgage Broking and HR. She prides herself in taking the time to understand her clients dreams and aspirations, focuses on educating her clients to assist them in making the best financial decisions, which ultimately yield the results that align with their goals. With a passion for first time property buyers, first time investors, those looking for SMSF and women on their finance journey, Karina understands the power of assisting her clients in making educated decisions.
As an Aerial Yoga instructor, Karina’s approach to finance is “flexibility”. She acknowledges that “not everyone’s story fits into a box”, and it is this attitude that make her stand out.
When she is not practicing Aerial Yoga, she values time spent with her family and partner, enjoying nature and volunteering for RizeUp – an organisation that helps families impacted by domestic violence.
To connect with Aaron Whybrow and Karina Fox, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 022:
Recently, I’ve been thinking a lot about inflation.
Whether I go grocery shopping or to a restaurant, it’s hard not to notice the incredible difference in the prices compared to just a couple of years ago...
Luckily for you, in this week’s podcast episode, Grant and I will be talking more about this and breaking down everything that has to do with inflation!
P.S. Share your experiences with inflation by posting a comment, and tell us how you’re considering using it to your advantage!
Episode Highlights:
00:00 Welcome to Property and Investing
02:32 Average inflation rate in Australia
05:05 The rising cost of goods and services
13:21 Will the inflation rate continue?
23:34 How will inflation affect our investment decisions?
26:55 Investing in real estate amidst inflation
29:20 Buying properties and debt
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Listen to our Business and Investing podcast here! https://businessandinvesting.com/podcast/
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 021: In this current market climate, with interest rates increasing every month…
The banks are becoming more and more scrutinising in their lending criteria.
How do we play the bank’s game,
While ensuring we can continue borrowing?
Well…
In this week’s podcast episode, Grant and I will be breaking down exactly this!
We’ll be inviting our mortgage broker Aaron back for another chat, this time to discuss everything you need to know about borrowing capacity, so you can play the forever game in property investing!
PS: Let me know your experiences with lending during this market environment!
Episode Highlights:
00:00 Welcome to Property and Investing
02:46 Problems with borrowing money
03:29 Borrowing for building a property portfolio
07:29 Extracting equity and cross-collateralised loans
14:10 When equity becomes a trap in itself
15:06 Understanding the variability of your income
16:02 Different ways you can get stuck with borrowing
18:02 Unpacking the trap of wrong lenders at the wrong time
24:07 Have banks become more scrutinous over time?
32:00 Increasing income and deposits increases borrowing power
35:15 Borrowing capacity equals purchase price
37:27 Negatively geared properties vs. positively geared properties
39:16 Who wins the game of property investing?
45:30 Time heals all borrowing capacity issues
46:15 Is speed a factor for borrowing capacity?
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ If you want to find out more about our guest, Aaron Whybrow head over to: https://propertyandinvesting.com/partners/
About the Guest:
Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.
Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.
He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.
To connect with Aaron and his team of mortgage professionals, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 020:
This recent April CoreLogic report was an incredibly interesting insight into how the economy is reacting to inflation and the effect of rate rises.
What does that mean for Australian property prices?
Well, luckily for you…
In this week’s podcast episode, Grant and I are breaking down exactly that for our April 2023 Property Round-Up!
Hit that play button now!
Episode Highlights:
00:00 Welcome to Property and Investing
02:59 What we think about the rate pause
07:19 Will the rates’ trend change this year?
11:04 Looking into the CoreLogic report
13:40 Renting vs buying a property with the current rates
24:51 Australia’s rental crisis
35:53 Charley’s possible solution to the housing crisis
37:54 Adjusting your expectations
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 019: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions so that we can help you overcome the obstacles in your way!
We’ll be discussing:
- Our “why” that inspired action
- Volatile incomes while investing
- As well as the importance of education, side events, and more!
PS: Did we miss some of your questions? Make sure to leave a comment or send us an email! We’ll make sure that we get to them in a future episode!
Episode Highlights:
00:00 Welcome to Property and Investing
02:48 What did Grant put in place to get started with property investing?
05:55 The “why” that inspires action
15:30 Having a volatile income when investing
17:16 Education and side events
22:17 What is the role of property mentors?
27:37 Final points to remember
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Listen to our other podcast here! https://businessandinvesting.com/podcast/
○ Rich Dad Poor Dad by Robert T. Kiyosaki: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542
○ The Property Couch Podcast: https://thepropertycouch.com.au/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 018: In this week’s podcast episode, Grant and I are answering all of your recent Q&A submissions!
We’ll be discussing:
- Interest rate rises
- Engaging a buyer’s agent
- As well as equity, accumulation and more!
P.S. Send us any of the questions we’ve missed! I’ll make sure that we get to them in a future episode.
Episode Highlights:
00:00 Welcome to Property and Investing
02:44 Why don’t we share the locations of properties we buy?
05:58 Engaging a buyer’s agent and key learnings I’ve gained
09:56 How are you handling rate raises?
25:06 Pulling out equity from your portfolio as a deposit during accumulation phase
32:49 When can we justify pulling equity out of a property?
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 017: How am I going to increase or maintain my borrowing capacity to continue building my portfolio?
Well… luckily for you…
In this week’s podcast episode, Grant and I discuss the answers I received and more!
We’ll be breaking down the unexpected challenges involved in property investing, so that you don’t have to learn the hard way!
We’ll be discussing:
- Passive property investing
-
- Buying property in different states
- As well as cash requirements, borrowing capacity and more!
P.S. Send us your questions!
Whether you’re wondering about what we do day to day as property investors, or something else… We’ll make sure we get to them in a future episode!
Episode Highlights:
00:00 Welcome to Property and Investing
03:27 Buying in a different state
04:14 Property investing is not all “passive”
11:11 Cash requirements
13:03 Continuous income for borrowing capacity
20:06 Keeping going after beatdowns
27:19 Property investing is fast but slow
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 016: In this week’s podcast episode, Grant and I address the most unexpected challenges we have faced in property investing...
So that you can avoid these hurdles and reach your desired outcome through property!
We’ll be discussing:
- Our own biases
- Policies changes
- As well as Banks, Debt, and more!
PS: Post a comment or send us an email to share some of your most unexpected challenges and how you overcame them!! 🥳
Episode Highlights:
00:00 Welcome to Property and Investing
01:12 Facing unexpected challenges
05:28 Why Grant almost took an exit in property investing
13:13 Handling debt when investing in properties
19:50 Banks aren’t as organised as you think they are
28:51 Lending policy changes
30:17 Dealing with our own biases
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ The Debt Millionaire by George Antone: https://www.amazon.com/Debt-Millionaire-people-never-wealth/dp/0982704542
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 015: In this week’s podcast episode, Grant and I will be recording our March 2023 Property Round Up,
So that you can stay up to date with the property market to make more informed decisions!
Episode Highlights:
0:00 Introduction
03:33 CoreLogic report
05:04 Opinions on the unit market
10:45 Supply risk in the CBD areas
16:10 The land tax consideration
17:30 What if there was an oversupply of houses?
23:05 The imbalance of the housing supply and demand
24:40 Dwelling approvals fell by 27%
32:20 Legislation is the biggest property market risk
34:22 Building a new city
35:33 RBA raises rates by 0.25%
36:29 Economists have signaled that rates have gone too far
38:49 Mortgage differences in AU and USA
40:11 Impacts of rate rises for millennials vs. boomers
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Check out Part 1 of our discussion on this topic: https://www.youtube.com/watch?v=BoMSuMbzevI
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
Have you heard the news?!
Grant recently bought another property! 🥳🥳🥳
You’ll be relieved to know that I don’t intend on holding back the details!
This is exactly what we’re talking about in this week’s podcast episode!
We’ll be discussing:
- Potential risks
- Grants plans moving forward
- Costs, Yields, Structures and more!
We’d also love to know how you are reacting to the market environment!
Or, shoot us the questions you have, and we’ll answer them in a future episode.
Episode Highlights:
00:00 Welcome to Property and Investing
04:28 What property did Grant buy and where
05:08 The reason behind Grant's purchase
06:43 Do rules make you confident?
10:31 How the new property fits into Grant's plan
14:32 The cost of the property purchase
16:16 Why Western Australia?
23:18 Rental yield of the property
25:14 More information about the property
26:00 Deposit and costs
28:47 Financial structure
30:37 Negatively geared property
31:55 Years expected the property will cover for itself
32:21 Impact of the purchase on borrowing power
34:57 Risks Grant sees with the property
38:35 Using the wins in your property portfolio for your next purchase
40:09 Is Grant's plan of accumulating properties still holding water?
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
You might want to check out the ff. episodes too:
○ Offset accounts -https://youtu.be/14gjePkf9Uw
○ Grant’s Property Investing Goals - https://www.youtube.com/watch?v=Zd0rGT5ZZYc
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
In this week’s podcast episode, Grant and I are discussing the strategies we have chosen for our PPRs as well as what we’ve learnt throughout our journey…
So that you can best prepare and get the most out of your property investing journey.
Tell me how you’re optimising your PPR!
Or alternately… Shoot me some questions that you’re struggling with so we answer them in future podcast episodes!
Episode Highlights:
00:00 Welcome to Property and Investing
03:15 Purchasing my PPR and paying it off
04:37 The exhilarating feeling of paying off your home
06:20 The opportunity cost
07:52 How my mindset shifted to property investing
09:11 Grant shares about what they consider the best thing for them
10:35 If I could do it over again, would I buy a PPR or go rentvesting?
12:54 Your comfort spot/the sleep at night factor
15:56 Developing a set of rules for property investing
20:15 Rule for avoiding having "too much house"
23:09 Can your PPR be an investment property?
24:54 Building financial dependence outside of the PPR
26:14 Reassessing your goals as you go
27:39 Life stage matters a lot
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
EP 012: How are you reacting to the 2023 property market?
It feels as if, simultaneously... nothing has changed…
but at the same time…everything has changed.
In this week’s podcast episode…
Grant and I talk with Goose McGrath, property portfolio growth expert at DashDot.
Discussing everything to do with the current market conditions…
As well as:
- investment strategies
- success metrics
- and more!
Tell us about the changes that have been affecting you and any unanswered questions you have!
I’ll get Grant and I to address them in future episodes!
Episode Highlights:
00:00 Welcome to Property and Investing
02:12 Goose McGrath and DashDot
04:33 What's changed in property in 2023
07:29 Bank valuations are spurious
09:52 Property market, economic landscape, investment strategies
12:57 How does one adapt to changing conditions
18:21 Increasing income as a strategy for property investing
20:12 The race track analogy
23:34 Different "corners" in property investing
35:15 Considering the time horizon
42:06 Changing success metrics
45:47 Other investing approaches now in a growth perspective
46:56 Cashflow is still important in the macro time horizon
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ If you want to find out more about our guest, Goose McGrath, head over to: https://propertyandinvesting.com/partners/
About the Guest:
Goose McGrath is the CEO of Dashdot, a property investment firm helping business owners build prolific, profitable property portfolios. They specialise in sourcing properties that are under market value, cashflow positive and have strong growth and value add potential.
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
The CoreLogic report is one of the best PDFs that we receive on a monthly basis. And if you’re a property investor, you’ll want to get your hands on it.
In this podcast episode, we will discuss the February 2023 property round up. There are several points we share our thoughts on including RBA’s rate rise and its impact on the property space and beyond.
Tune in to the full episode and share with us what your thoughts are. We’d love to know about it too.
Episode Highlights:
00:00 Welcome to Property and Investing
03:02 RBA: Rate rise by 2.5%
04:32 Did we think rates would get this high?
06:45 What has changed for us with the rate rise?
12:53 What will prompt a change in Grant’s property accumulation
16:05 What we think happens next
21:24 CoreLogic: Hedonic Home Value Index
23:59 Places aren’t getting listings
28:45 Ramping up of immigration
33:52 Possible shift to high-density living due to population growth
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ Check out CoreLogic’s Hedonic Home Value Index report here: https://www.corelogic.com.au/__data/assets/pdf_file/0019/13069/CoreLogic-home-value-index-FEB-23-FINAL.pdf
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
Having a definite goal fuels us to continue working hard to achieve them—be it buying more properties or improving our portfolio.
As the second part of our property investing goals episode, Charley shares the target he has set for his property investment for 2023.
What are these goals, and how is he going to achieve them?
Listen to this podcast to find out.
Also, make sure to stick with us until the last minute to learn something along the way that may change the course of your property investing journey!
Episode Highlights:
00:00 Welcome to Property and Investing
05:08 Identifying the reasons behind your goals
07:32 Do personal situations change your goals?
11:46 Where Charley is now in his property investment journey
22:49 Optimising each property in the portfolio
30:02 Evaluating your property portfolio
34:53 The importance of property managers
36:43 Financing your property investments
44:10 Strike if the opportunity presents!
48:58 Making an acquisition
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
If there’s a great time to talk about our property investing goals, that time is now.
There’s a lot of excitement about what lies ahead of us in our property investing journeys, regardless of the peaks and troughs we might encounter this year.
And so we’re kicking off our discussion on what our property goals are with Grant sharing what he plans to achieve this year.
Listen to the full episode today and share with us what your property goals are this 2023.
Episode Highlights:
00:00 Welcome to Property and Investing
02:16 Thinking about goals during the new year
04:36 How Grant came up with his property goals
05:44 How I came up with my property goals
09:24 Grant’s goal #1 - property accumulation
12:46 Things that Grant has factored in for his goals
13:43 Is it really a terrible time to accumulate property?
15:06 Having the goal validated by a wealth team
18:53 Why multiple properties instead of just one
21:00 Retain the emergency fund
22:03 20% deposits on every property purchase
30:30 Environment is a huge factor for strategies to work
30:38 What properties will Grant focus on buying
35:35 Grant’s goal #2 - refinancing for borrowing power
37:04 A bank’s lending policy changes every month
47:24 Rents are increasing
48:15 How Grant stays on top of rental reviews
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
Do you know what your property investing end game is? Or are you so preoccupied with acquiring the next property that you have not paid attention to it?
Knowing your end game is crucial to your investing journey. You would be creating a big mess and a costly mistake to neglect it.
And so if you’re at a crossroads on what your end game should be, in today’s podcast episode, Grant and I discuss the different property investing end games and the strategies that complement each of them.
Tune in to the episode and share with us what your end game is for your property investments.
Episode Highlights:
00:00 Welcome to Property and Investing
02:45 Obsession with the asset without awareness of the end game
04:02 Putting so much emphasis on strategies
06:01 Strategies differ for every investor
07:02 The risk is not in the investment
08:45 Strategy is subjective
10:03 Awareness of your end game is crucial
12:58 Be comfortable with your strategy
16:18 Just get started!
20:34 Pivot according to your end game
22:00 The sell-down strategy
29:43 Refinancing
35:17 Buy and hold
39:59 Changing assets
45:51 Pumping your superannuation
51:41 Layering strategies to support your end game
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
What awaits property investors and homeowners who will be affected by the mortgage rate cliff in Australia?
Having enjoyed lower interest rate repayments for some time, the significant jump in rates is causing panic.
So in this podcast episode, we have brought in Aaron Whybrow to shed light on this economic issue. He explains what the mortgage rate cliff means, the impact it has on investors and property owners, and helpful strategies to soften the blow.
Grab your headphones and listen in. We’d love to know if you found this episode helpful.
Episode Highlights:
00:00 Welcome to Property and Investing
04:23 What is the mortgage rate cliff?
08:07 Differences in mortgage payments with the mortgage rate cliff
11:38 How many investors are preparing for the mortgage rate cliff
18:36 Impacts of the mortgage rate cliff on household owners vs. investors
21:59 Strategies to combat the mortgage rate cliff
26:50 How rates will change for interest-only loans vs. principal & interest loans
30:08 Understand what strategy you incorporate as an investor
35:17 Potential impacts of mortgage rates cliff and how to deal with them
42:15 Recession, massive downfalls, are these just an exaggeration?
46:58 What is Aaron doing personally to prepare for the mortgage rate cliff?
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
○ If you want to find out more about our guest, Aaron Whybrow, head over to: https://propertyandinvesting.com/partners/
About the Guest:
Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.
Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.
He is known as the ‘bagpiping mortgage broker’, who prides himself on having no ‘flats’ in his career. He blends his experiences as a former intensive care unit nurse and medical sales rep to provide the best outcomes for his clients.
To connect with Aaron and his team of mortgage professionals, head over to: https://propertyandinvesting.com/partners/diagnostics-and-finance/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
The world has changed so much since the 2000s, and that does not leave the property market behind.
So, what’s up with the property market in Australia and what’s waiting for investors for the years to come?
Join us in this episode, where Grant and I do a round-up on CoreLogic’s January 2023 report and Howard Marks’ Memo - The Sea Change.
We share our insights and thoughts on the changes in the property market in 2022 and what the future will look like for property owners and investors this year.
We’ll also discuss Australia’s 2022 performance on both micro and macro scales, the increasing rental rates, changing interest rates, and more!
Learn more about what I’m talking about by listening to the full episode now!
Episode Highlights:
00:00 Welcome to Property and Investing
02:56 Australia’s property market performance in 2022
06:53 Will the regional property market continue to improve?
11:06 The impact of millennials having children
15:42 What could be the future of working from home?
18:49 Increasing rental rates in Australia
26:31 The Sea Change: Howard Marks’ Memo
34:09 Insights on the memo
39:54 Changing the amount of debt to use
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:○ Check out CoreLogic’s January 2023 Report: https://www.corelogic.com.au/__data/assets/pdf_file/0021/12954/CoreLogic-home-value-index-Jan-23-FINAL.pdf
○ Howard Marks Memo: The Sea Change: https://www.oaktreecapital.com/insights/memo/sea-change
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
Property investing is more than just “houses”.
Being property investors ourselves, we have seen just how complex the property game is which makes it more exciting.
And so in this episode, we’d like to give you a peek into some of the discussions we have about our own portfolios and also what’s happening in the property space.
The information we share isn’t discussed publicly nor is it available in media outlets but definitely worth paying attention to.
Episode Highlights:
00:00 Welcome to Property and Investing
3:33 Negative real interest rates
6:13 Property is a game of finance
10:26 Calculating your own personal inflation rate
12:12 Interest rates being higher than the CPI
13:20 Why today is a unique time in history
14:31 Our views on investment with our awareness of debt’s function today
17:07 Striking a balance between utilising debt and inflation
22:04 Buying a place of residence (Can it be an investment?)
36:02 How much is too much house?
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
We all know how lucrative an investment property is.
However, several factors are at play to maximise the benefits you’d reap out of your portfolio. One of them is an offset account.
In today’s podcast episode, we define what an offset account is, different offset accounts for different mortgage products, the strategic ways you can use it to achieve your investment goals, and many more.
Grab your earphones and listen to the full episode. Join the discussion and let us know the strategic ways you have used an offset account for your investing goals.
Episode Highlights:
00:00 Welcome to Property and Investing
04:17 What is an offset account?
09:19 Why mortgages don’t just come with an offset account
13:40 Different ways offset accounts work
20:07 Offset accounts and different structures
29:04 Different loans have different interest rates
35:45 The opportunity cost of not knowing what offset accounts are
36:39 How to best utilise your offset accounts today
45:18 Quality mortgage brokers are essential to your property game
48:37 Potholes that exist in offset accounts
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
Financing plays a huge role in our investing journey.
But with the current state the lending industry is in, where interest rates and deposits are a lot higher compared to the previous years, it seems like we’re facing a huge roadblock.
What do you do?
Should you just give up on property investing altogether or is there a way to play the property game that will still be profitable to you?
Grant and I discuss our personal strategies and how we manage to cope in the present investing landscape we’re in in this podcast.
Episode Highlights:
00:00 Welcome to Property and Investing
03:05 Our experience with lending today
05:10 Financing can ruin a deal
07:39 The lending is now the roadblock
08:15 Rates and deposit requirements are higher now
09:37 How are we thinking about property now
13:25 Being privy to other lending options
15:03 Optimising the current portfolio instead of acquiring
16:50 Cash flow assets and what you need to consider
18:23 Different environment, different strategy
21:41 Frequency of checking financials
24:55 Does property happen in cycles or is it linear?
28:58 Buying property in cycles - market timing
33:48 Taking on a sh***y loan now will impede future moves
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
What’s the latest buzz in Property and Investing?
The Round-Up is an episode where we give you our point of view on the latest articles and reports related to the property market space that we find interesting.
We aim to show you how these reports could help you and the different ways people approach this information too.
For today’s first Round-Up, we’re doing a deep dive into two interesting reports that circulate in the property market space - Philip Lowe’s Finfluence and CoreLogic’s Hedonic Home Value Index.
Tune in to the episode and let us know what you also think about these reports.
Episode Highlights:
00:00 Welcome to Property and Investing
02:22 Figuring out what news is important and what’s not
04:30 Is Philip Lowe Australia’s biggest influencer?
24:31 CoreLogic -The Hedonic Home Value Index
37:04 Two types of valuation you can get done on your property
37:50 People don’t understand how they can get chewed up in volatility
46:10 Property doesn’t seem like it’s going to fall
If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/channel/UCr3PTV82iM2way1I_PxpK0g
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.
How will property investing fare in the near future?
Property has always proven to be a lucrative investment opportunity that so many just want to get their hands on it.
But there’s so much negative speculation about what it will supposedly look like in the future and whether it will grant the same awesome benefits it has given to so many in the past and presently.
Grant and I discuss our opinions regarding property investing and whether it’s something we are still positive about based on our experiences.
Tune in to this episode to the end and share your thoughts on this topic too. We’d love to hear from you.
Episode Highlights:
00:00 Welcome to Property and Investing
01:07 Is property investing over?
02:49 How far ahead do you want to look with property?
07:04 Why believe in property ongoingly?
07:48 Where you buy property is really critical
08:34 Are young people still interested in buying property?
10:29 There is a cult-ture in Australia revolving around property
12:30 There is an undersupply of houses
19:05 Population increase
24:09 Banks and governments have vested interests in property-keeping
29:35 There will be some volatility around property
30:36 Inflation
Resources:
○ Property and Investing website: https://propertyandinvesting.com/
Subscribe:
○ Subscribe on Youtube: https://www.youtube.com/@propertyandinvesting
○ Subscribe on Apple Podcast: https://podcasts.apple.com/us/podcast/property-and-investing/id1657091001
Connect with Property and Investing:
○ Join the Property and Investing Community: https://www.facebook.com/groups/propertyandinvesting
○ Follow us on Facebook: https://www.facebook.com/propertyandinvestingcom
○ Follow us on Instagram: https://www.instagram.com/propertyandinvesting/
○ Follow us on TikTok: https://www.tiktok.com/@propertyandinvesting
○ Send your enquiries or drop by to say hello: grant@propertyandinvesting.com
DISCLAIMER:
All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
Support the show: https://linktr.ee/propertyandinvesting
See omnystudio.com/listener for privacy information.