The Elephant In The Room Property Podcast | Inside Australian Real Estate

We’ve invited Rob Broadhead, CEO of 2020 Fire Protection; member of NSW Govt’s Fire Safety Steering Committee and a Board Director of the Fire Protection Association of Australia. Rob has been in the fire protection industry since 1992, and has contributed to Australian Standards and helped draft fire protection training for Strata and Facility Managers. Rob is passionate about improving general knowledge around fire safety so building occupants and owners can make good decisions about fire protection before the worst occurs. RELEVANT EPISODES:Episode 176 | Developers are in the Government’s crosshairs | David Chandler Episode 113 | What’s behind the wall?: 85% of developments have defects | Dr. Nicole Johnston Episode 103 | Strata owners - rights & obligations | Amanda Farmer GUEST LINKS:https://www.2020fireprotection.com.au/Here is the NSW Fire & Rescue data: https://www.fire.nsw.gov.au/gallery/files/pdf/annual_reports/annual_report_2019_20.pdf Here is an old video showing the difference in time from ignition to flashover between a modern furnished room & a legacy furnished room. https://www.youtube.com/watch?v=LsReYgKpHbE HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July 2021. https://www.theelephantintheroom.com.au/podcasts/188See omnystudio.com/listener for privacy information.

Joining us today to discuss the aftermath of lockdowns in Melbourne on the property market is Jarrod McCabe, buyers agent and director of Wakelin’s Property Advisory. Jarrod’s property career spans two decades covering valuations and investment advice and has played a critical role in adapting to purchasing property during periods of lockdown. With no better expert, Jarrod discusses how last years lockdown impacted the property market and draws similarities to the current wave including what buyers and sellers should expect from the aftermath. RELEVANT EPISODES:Episode 180 | Are buyers agents worth the cost? | Cate Bakos Episode 159 | Why hasn’t the property market crashed? | Eliza Owen Episode 42 | How to invest in Melbourne and avoid overdevelopment | Jarrod McCabe GUEST LINKS:https://wakelin.com.au/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: calendly.com/wealthfulbook/30min Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July 2021. https://www.theelephantintheroom.com.au/podcasts/187See omnystudio.com/listener for privacy information.

How do online auctions work and will they last? In this episode we discuss how properties are selling during the most recent lockdown. Today we have Jesse Davidson, the chief auctioneer and director at AuctionWorks. Just as home buyers and sellers have had to conform to the new normal, industry professionals adapt to restrictions and their customer’s needs. The recent lockdown restrictions have brought back the not so distant memory of 2020, the difference this time is the resilience of buyers in the property market. Digital auction houses have normalised the online auctioning of goods, ranging from a stick of gum to wholesale commercial products, but will property fall into this order or stand out amongst all other purchasable assets? RELEVANT EPISODES:Episode 144 | Making better sales agents (not genetically modified) | Tanja Lee Episode 125 | Innovation in auctioning: how are we selling now? | Damien Cooley Episode 8 | How do skilled auctioneers get your last dollar? | David Scholes GUEST LINKS:https://www.auctionworks.net.au/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July 2021. https://www.theelephantintheroom.com.au/podcasts/186See omnystudio.com/listener for privacy information.

With current movements is buying rural properties still viable? Matt Knight, prolific rural buyers agent of Precium breaks down the numbers and answers our regional based questions. Matt Knight made his own sea change 14 years ago, now has helped clients in a similar position to purchase their regional property, covering an area from Wollongong right down to Batemans Bay. Covid is back at our doorstep will this new wave of infections push more buyers out into the outskirts similar to 2020. Will the domestic migration of last year catch up to buyers as they question if what they bought is what they’ve got? And how much gas does the rural market have left? RELEVANT EPISODES:Episode 173 | Buying in Byron Bay: Overhyped or shrewd investment? | Michael Murray Episode 125 | Innovation in auctioning: how are we selling now? | Damien Cooley GUEST LINKS:https://precium.com.au/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July 2021. https://www.theelephantintheroom.com.au/podcasts/185 See omnystudio.com/listener for privacy information.

Property stories are on the tip of everyone’s tongue when they’ve been successful and glaringly absent when their landlord dreams have gone down the drain. The property market has made rapid shifts within the last 6 months with parcels of land transacting for a fortune, but how did they do it? With capital growth being the most critical element of residential property’s value, how do you predict it? Moreso how can you measure it effectively and what data can you trust to make you a confident buyer in such an overwhelming time? Here’s what we covered: What data is relevant when measuring capital growth? Does being on a main road appreciate or depreciate your property? Is median growth useful or far from it? Where do big research companies get their data and is it consistent? Are current automated valuation models effective? What is a repeat sales index? RELEVANT EPISODES:Suburb Trends June 2021 | Price predictions for the 2nd half of 2021! Suburb Trends May 2021 | Rental Vacancies Suburb Trends April 2021 | Highest median growth suburbs! LINKS:www.suburbtrends.comhttps://www.suburbtrends.com/suburb-reviews https://www.realestate.com.au/news/why-aussie-home-owners-are-holding-property-longer-than-a-decade-ago/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July, 2021. https://www.theelephantintheroom.com.au/podcasts/st12See omnystudio.com/listener for privacy information.

In this episode we’re answering some of our listener questions. We’ll be covering how to maximise borrowing on a low income, what agents mean by ‘expressions of interest”, borrowing from overseas, the research needed when buying your first investment property, dealing with “best and final offers” in a hot market and what due diligence do buyers agents do that regular buyer don’t? Questions: “I'm 26 years old and already have 1 investment property and currently looking for my second. As a landscaper that is only on 65k a year at a job that I love, how would I be able to increase my max loan from the bank? Down deposit isn't a problem with me with a bit over 110k in the bank ready to go. With my wage being so low and me only having my wage as a source of income what would the next steps be getting investment 3 and going into the future. Thanks for your time.” “Hi Veronica & Chris, love your podcast! I have one question for each of you :) For Veronica, I occasionally see a property being listed as "expressions of interest". How is that different to a private treaty sale or auction and what kind of properties are best suited for it? For Chris, could you please talk about the borrowing options overseas Australians might have? Especially if they're asset rich and income poor? Many thanks for your time!” “Hi Veronica & Chris, I am a big fan and long time listener of your podcasts. In short I am 22yo and looking to buy my first investment property and have recently graduated my Civil Engineering degree. I have now moved into FT work in my chosen field of study and in the process of getting my finance pre-approved. If possible, I would love you to discuss the following in regards to undertaking research prior to the purchase of an investment property; 1. Various different online platforms available to the public to research past and future wages growth in numerous suburbs around Australia? 2. Research methods and frameworks you adopt/prefer? 3. Most important research indicators for a investment-grade suburb? i.e. wages, employment, population growth. 4. How to best determine and interpret data available online? i.e. Number of days on market, auction clearance rates, etc. I’m very eager and exciting to begin my wealth creation journey, and would greatly appreciate it if you could take the time to answer my questions. :) Thanks!” “We've bought and sold a lot of different sorts of properties but only in NSW and we were totally bamboozled by the way they do it down there. No auctions, even in a really hot market. They are listing properties with a price, and you are expected to put in your best offer, and then the agent sells it to the highest offer, but without coming back to you to give you the chance to up your offer.” “I have a comment, not a question, after listening to your podcast re hiring a Buyers Agent. I hired a Buyers Agent to assist me in buying an apartment for a family relative to live in. My reason for doing this was primarily to ensure due diligence, not recommend a property. Nicole had a lot of specialist contacts, eg for analysis of body corporate minutes, building contracts, conveyancing etc. I was very happy with the result.” RELEVANT EPISODES: Episode 183 | The Secret to Capital Growth | Jeremy Sheppard Episode 168 | Listener Q&A: How to buy your first investment property LINKS:www.suburbtrends.com.auhttps://www.homebuyeracademy.com.au/https://www.rask.com.au/podcasts/australian-investor-podcast/ https://www.corelogic.com.au/reports/pain-and-gain HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in July, 2021. https://www.theelephantintheroom.com.au/podcasts/184See omnystudio.com/listener for privacy information.

What makes prices go up and what data sources can you use to predict the movements?Jeremy Sheppard is the Head of Select Residential Property. Before joining SRP, Jeremy created a suburb scoring algorithm called the DSR (Demand to Supply Ratio). The DSR has been featured in Australian Property Investor magazine and Your Investment Property magazine.Jeremy is a regular contributor to the major property investment publications in Australia and has over 50 articles published, as well as other blogs and has been quoted in major newspapers and appeared on prime-time TV news. RELEVANT EPISODES:Episode 180 | Are buyers agents worth the cost? | Cate Bakos Episode 177 | Australia’s Economic Recovery | Carlos Cacho Episode 167 | Infrastructure & property prices | David Tucker LINKS:https://gooddeeds.com.au/buyers-agents-sydney/sell-my-investment-property-now/ https://gooddeeds.com.au/investment-property/should-you-sell-or-hold-investment-property/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in June, 2021.See omnystudio.com/listener for privacy information.

Within the last decade, the Financial Independence Retire Early (FI/RE) movement has gained a cult-like following, with grassroots communities touting the benefits of living frugally today whilst creating wealth for tomorrow. Veronica and Chris talk with Matt, the host of the Aussie Firebug podcast. Since 2013 Matt has focused on retiring early by creating income streams from property, shares and labour, he projects that he will finally achieve FI/RE by his mid-thirties. Chris asks hard questions about the movement’s current state, particularly citing the communities’ detrimental perspective on the yield over capital growth debate. Will this financial fad burn bright financially liberating individuals, or will the flame fizzle out with unfounded claims and misleading financial advice? If you have ever been curious about the FI/RE movement, this is the episode for you. GUEST LINKS:https://podcasts.apple.com/au/podcast/aussie-firebug/id1080237514 https://www.aussiefirebug.com/start-here/https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 https://www.mrmoneymustache.com/about/https://www.reddit.com/r/financialindependence/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in June 2021. https://www.theelephantintheroom.com.au/podcasts/182See omnystudio.com/listener for privacy information.

This month we look at year to date data, focusing on how the dramatic price rises of the most recent months may have set the stage for the rest of the year? It has been a challenging time for home buyers and a lucrative opportunity for vendors, but will current market conditions last? How many more times will the buyer’s return to the market to try their luck again? Kent Lardner provides key statistical insights on current trends and their inevitable effect on the property market, revealing the full extent of the recent price rises, with 20% of all markets risen in value by 20%. Here’s what we covered: How inventory levels and price changes relate. What areas with high supply still saw a positive price change? Any areas with low supply and negative price changes? What is the outlook for the remainder of 2021 What areas will be worth investing in later in the year? RELEVANT EPISODES:Suburb Trends May 2021 | Rental Vacancies Suburb Trends April 2021 | Highest median growth suburbs! Suburb Trends March 2021 | Areas with big price falls! LINKS:www.suburbtrends.com https://www.suburbtrends.com/suburb-reviews HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in June, 2021. https://www.theelephantintheroom.com.au/podcasts/st11See omnystudio.com/listener for privacy information.

In this Negotiation Masterclass episode, we turn the tables as Chris Bates interviews Veronica Morgan, discussing the dos and don’ts when it comes to negotiating for property and how to succeed during challenging market conditions. The recent property boom has left buyers destitute with properties selling pre-auction, off the market and far above the reserve. As a result, buyers give up and hope for a market crash that will never come. This episode will educate new buyers and experienced property investors alike, with Veronica hitting key issues facing those entering today’s market. What you will learn: Stop agents taking advantage. How to not miss out at an auction. Checking out competition at open houses. What you should know after your first inspection. How to conduct your initial offer and potential counteroffers. How to keep yourself in check to not react or no action. When to know to let a property go Who you should seek advice from RELEVANT EPISODES:Episode 180 | Are buyers agents worth the cost? | Cate Bakos Episode 110 | Selecting the Best Asset | Veronica Morgan Episode 29 | Negotiation masterclass | Fiona McKenzie GUEST LINKS:Where to Buy Workshop details:www.homebuyeracademy.com.au/workshop How to Price a Property free mini course:https://homebuyeracademy.com.au/freecourse Veronica’s book:www.getauctionready.com.auListener 30% off discount + free postage - use Promo Code: ELEPHANT HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in June 2021. https://www.theelephantintheroom.com.au/podcasts/181See omnystudio.com/listener for privacy information.

Where does the real value lie in buyers agents and how to avoid costly property mistakes? In this episode, we welcome back Cate Bakos to discuss from beginning to end the role buyer’s agents play in assisting consumers to achieve their property objectives and how the guiding principles of REBAA and its members have directed consumers away from risky property mistakes. Cate Bakos has appeared in previous episodes to discuss buyers agents and the value they add to property buyers. Cate is a prolific and experienced buyers agent based in Melbourne and is also the President of Real Estate Buyers Agents Association of Australia (REBAA). REBAA is Australia’s foremost peak body for buyers agents and aims to lift industry standards that protect consumers against rogue operators. The integrity of REBAA has been crucial to highlight individuals and agencies that adhere to self-regulating principles in an unregulated industry. RELEVANT EPISODES:Episode 173 | Buying in Byron Bay: Overhyped or shrewd investment? | Michael Murray Episode 150 | What you NEED to know about the Brisbane property market | Meighan Wells Episode 110 | Selecting the Best Asset | Veronica Morgan GUEST LINKS:www.rebaa.com.au https://www.catebakos.com.au/cate-bakos/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in June 2021. https://www.theelephantintheroom.com.au/podcasts/180 See omnystudio.com/listener for privacy information.

We can’t get enough of your questions. We cover a lot in this episode from the current state of the unit market through to how limited title can impact a property’s sale. We appreciate your questions and enjoy doing these episodes. If you have property related questions or want to test a scenario we would love to hear from you. Questions: “Units down but what about premium units outside of CBD but within 10k radius ? This includes Art Deco units, on larger blocks with smaller divisions for each lot. will we see growth in this market and why are analysts still treating units in high rise CBD the same as all other units despite massive differences in the land area involved for owners of lots, size of room, ornate ceilings, quality I.e double brick etc? Should owners of these properties ignore the analysts talking about units altogether?” “Just listened to your 1st Feb 2021 listener q&a. Surprised by your answer Chris about how to retire from property. Based on what you outlined, if you have enough equity, you would be better to go for yield rather than capital growth. Targeting better more expensive houses with more growth potential but have lower yield just means more time to build up the offset account to completely offset the loan amount and delay retirement. Targeting capital growth would just to be for something to leave the kids. I reckon you could devote a whole episode to this as it is what a lot property people push is financially free through property but does not work if you need to save the full cost of the property you purchase. Sounds like an elephant to me” “Fan of the show, not a question but I have a data point on the limited title. The limited title does lower the price. My first 2 choices were limited title but I couldn't get the loan for it. Ended up going for 50-100k less than my offer. So I think the strategy works by definition. i.e. reducing a number of qualified buyers will on average lower the price. This was in the middle of covid so results may vary. 18 epsom road zetland - 1,165,000 70 rose st chippendale - 1,575,000” “Hi guys, Love the pod! Probably more of a question to Chris. I'm a potential 1st home buyer (on the northern beaches of Sydney) and would like to try and get an understanding on how much are people willing to borrow to get into the market? I was always told don't go higher than 3 or 4 times your annual household income but with the market going crazy at the moment I realise we are going to have to go a lot higher. I understand you can’t give personal advice – But it would be nice to know (on average) what you are currently seeing for 1st home buyers and just in general. I think we might need to go up to 5.5x to get something decent. I also know its not the greatest metric to use in this low rate environment.” “Chris and you keep referring to “ppl on good income”. What is considered a good income, let’s say for Sydney? What’s a reference baseline? Eg. if you are looking at a $1M property then $100K is considered a good income? Assuming 80% lvr.” “Also, what are your thoughts on buying a property in a holiday spot specifically to rent out on Airbnb? Or buying something that could be either tenanted long term OR rented on Airbnb? Also Veronica.. ..you talk a lot about buying a quality asset. Could you please tell us exactly what that means? What are your criteria? Thanks for the podcast, really enjoyable and educational.” “Demand is soaring in capital cities.... demographically-speaking, WHO ARE these people who have flooded into these property markets post-COVID? Where are they finding the huge deposits and servicing mortgages that are now multiples larger for the same properties just a few years ago (even months ago) Where were these people before and why the rush into property now? How are they protected against even small rate rises in the future and are we setting ourselves up for a big correction? A real one this time? What will be the fallout from this?” RELEVANT EPISODES: Episode 168 | Listener Q&A: How to buy your first investment property Episode 162 | Houses vs Apartments Episode 161 | Listener Q&A: Building your own home, retiring on property & sustainable properties? HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in May, 2021. https://www.theelephantintheroom.com.au/podcasts/179See omnystudio.com/listener for privacy information.

In this episode, we welcome back Martin North, Founder of Digital Finance Analytics (DFA). DFA surveys thousands of Australian families to gauge key consumer metrics, which have been crucial in highlighting areas of concern within debt and property prices. This is Martin’s third appearance on the Podcast, previously he has shared bearish views on the property market but maybe in this episode, he has had a change in heart? The economist’s who cried wolf will be known for their false property market crash predictions. It was meant to be peak Covid cases, the tightening of restrictions, the September cliff and in March of 2021 end of job seeker. Here we are in May, the property market has only broken records due to a variety of factors resulting in a lack of quality supply and overflowing demand that has brought new faces into neighbouring suburbs. But what’s next? Will consumers continue to go to auction on a Saturday until they settle, or will they give up waiting for a market crash that may never happen? Alternatively, have consumers bitten off more debt than they can chew, and will a potential cash rate increase bring down property prices to all-time lows? RELEVANT EPISODES:Episode 177 | Australia’s Economic Recovery | Carlos Cacho, Jaden Group Australia Episode 143 | Postcode Analysis: What properties are outperforming the market | Martin North Episode 123 | To buy, or not to buy: that is the question | Martin North GUEST LINKS:https://www.digitalfinanceanalytics.com/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in May 2021. https://www.theelephantintheroom.com.au/podcasts/178See omnystudio.com/listener for privacy information.

We’ve noticed that our audience enjoys episodes featuring economists such as Warren Hogan’s episode 158, Saul Eslake’s episode 152 and the multitude of various well-known voices within this space. Pens and paper in our hand, we chat with Carlos Cacho, Chief Economist of Jarden Group Australia, prior to his position, Carlos served as Chief Economist of UBS Australia. Within our chat, we cover a variety of topics covering the future of Australia, property price movements and the current lending space, taking into consideration the Government doubling down on First Home Loan Deposit Scheme grants and their propensity to incentivise the purchasing of new property over established. How will Australia fare in the global economy, will this recovery be short-lived as other nations take control of their internal struggles against the pandemic? RELEVANT EPISODES:Episode 158 | Top economist puts Australia in the world picture | Warren Hogan Episode 152 | What does top economist say on the current economic environment | Saul Eslake Episode 104 | Build-To-Rent the new standard for renters | Adam Hirst, Mirvac GUEST LINKS:https://www.linkedin.com/in/carlosscacho/ https://www.linkedin.com/company/jarden/mycompany/ https://www.jardengroup.com.au/our-people/carlos-cacho/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in May, 2021.See omnystudio.com/listener for privacy information.

Australian’s have been left high and dry as developers overpromise and underdeliver with no punitive action against offenders, as they lie, cheat and phoenix, negatively affecting Australians looking to get onto the property market. Current booming market conditions are foreshadowing a proliferation of defective new developments putting profits in developer pockets and cracks behind plaster walls. In this episode, we have the privilege of discussing these significant building issues with David Chandler, NSW Building Commissioner, a role that was established in 2019 to combat rogue operators that develop defective, uncertified and unlivable properties. David is a perfect fit for the role thanks to his impressive 40 years of experience in construction, infrastructure and renewal projects. The government’s direct approach aims to stop repeat offenders, improve the quality of new dwellings, and promote quality affordable housing. What is the solution for Australians that have bought defective property and how will the government effectively manage the quality of new dwellings against operators that have historical played dirty and dodged punishment? RELEVANT EPISODES:Episode 162 | Houses vs Apartments | Stuart Wemyss Episode 113 | What’s behind the wall?: 85% of developments have defects | Dr. Nicole Johnston Episode 106 | Dodgy developers & Strata Living | Jimmy Thomson GUEST LINKS:https://www.smh.com.au/national/nsw/it-s-like-a-leaky-boat-icare-home-building-insurance-leaves-taxpayers-on-the-hook-for-700m-20210413-p57ipz.html https://www.smh.com.au/national/nsw/sydney-building-nightmare-set-to-cost-maryam-her-life-savings-20210319-p57cb5.html https://www.linkedin.com/in/david-chandler-oam-875bb1b5/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in May 2021 https://www.theelephantintheroom.com.au/podcasts/176See omnystudio.com/listener for privacy information.

Inklings of the property market slowing down, our hosts analyse rental vacancies to rationalise current trends within the market and what the outlook will be for first home buyers, upgraders and investors?How human behaviour is skewing the data, will the combination of anchoring bias, FOMO and loss aversion put consumers in risky situations as they leave the market with pipe dreams of prices falling? RELEVANT EPISODES: Episode 175 | Moving regionally: Will it last and will it be sustainable? | Kirsten Craze Episode 173 | Buying in Byron Bay: Overhyped or shrewd investment? | Michael Murray Episode 168 | Listener Q&A: How to buy your first investment property GUEST LINKS:www.suburbtrends.com HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in May 2021. https://www.theelephantintheroom.com.au/podcasts/st10See omnystudio.com/listener for privacy information.

In the most recent episodes, we dug deeper into the liberation of labour mobility and the inevitable result of interstate, regional migration. For your benefit explaining how it happened and what the future of Australia may look like. Within this episode, we explore its sustainability, questioning the long term viability of these movements. Will regional movers recent property decisions be short-lived and ultimately lead to their return? Or are these pioneers creating thriving suburbs, which have been bankrupt of new internal financial flows, expanding the possibility of future domestic movements? Prolific and experienced property journalist Kirsten Craze join us for an episode dedicated to the post-Covid sea change, tree change. For those who have been following the podcast since its inception, Kirsten appeared in episode 22, highlighting the issues in headline media and its misleading content relating to the property market. Kirsten’s work has featured in The Daily Telegraph, The Herald Sun, News.com.au, realestate.com.au and Mansion Global. Coupling Kirsten’s two decades of experience in the property market and her own sea-change, she answers the questions: is the grass greener on the other side? RELEVANT EPISODES:Episode 173 | Buying in Byron Bay: Overhyped or shrewd investment? | Michael Murray Episode 22 | How to be a media researcher, not just a reader | Kirsten Craze KIRSTEN’S ARTICLES: Real Estate.com | Regional regret? Warnings and potential pitfalls of a COVID-19-inspired property tree change Real Estate.com | Australian housing: Contemplating a city escape and the possible pitfalls of a COVID-19-influenced sea change LINKS: https://www.linkedin.com/in/kirsten-craze/?originalSubdomain=au HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April 2021. https://www.theelephantintheroom.com.au/podcasts/175See omnystudio.com/listener for privacy information.

Property prices are skyrocketing across the nation. With desirable suburbs in capital cities bearing the brunt of the current competition, medium to high-income buyers are forced out of their no. 1 suburb flowing onto alternative areas that aren’t ready for their price perception. The influx of the new buyers into unfamiliar areas, wear glasses with out-of-suburb lens’s, warping their idea of what’s worth what and causing unexpected price results as they compete against themself and competitive buyers. This new money has caused prices to soar in areas and property that would otherwise tell a different story if sold last year. The faucet is on, and as buyers flood the basin, the question lies, where will the water drain? In this episode, we are joined by Robert Clarke, the selling principal of Belle Property Annandale. We question the current state of property price expectations and their relation to a real estate agents marketing of price guides. We also myth bust unfounded property tactics that have lost buyers: time, cash and the property. RELEVANT EPISODES:Suburb Trends April 2021 | Highest median growth suburbs! Episode 171 | Pain & Gain Q4 2020: Who suffered and who triumphed? | Eliza Owen Episode 167 | Infrastructure & property prices | David Tucker GUEST LINKS:https://www.belleproperty.com/annandale/robert-clarke/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: wealthful.com.au/contactus Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April 2021. https://www.theelephantintheroom.com.au/podcasts/174See omnystudio.com/listener for privacy information.

Covid has accelerated the remote work movement. Australians have fled the big city to greener pastures and clearer shores. What better place to a sea change, tree change than Australia’s most eastern tip. Global media coverage has put Australia at the forefront of Covid safe spots, this has drawn celebrities, actors and affluent business owners to find sanctuary in a small beach town in northern New South Wales. Byron Bay has grown from what was a small tight-knit beach community, to become Australia’s most expensive location to buy property, with median house prices in Byron Bay eclipsing the Eastern Suburbs of Sydney. In this episode, we shine the light on the Byron Bay property market, with no better expert than pioneering buyers agent, Michael Murray. Born and bred in Byron Bay, Michael has helped families, friends, celebrities and entrepreneur to find their slice of paradise for over 30 years. The influx of new money has pushed locals out and put mansions on hills, has this changed the bay forever? RELEVANT EPISODES:Suburb Trends April 2021 | Highest median growth suburbs! Episode 160 | Working from Home Movement: Has Covid accelerated the inevitable | Soren Trampedach, Work Club Global Episode 158 | Top economist puts Australia in the world picture | Warren Hogan GUEST LINKS:https://www.byronpropertysearch.com.au/ Facebook.com/byronpropertysearch Instagram -@byronpropertysearch https://www.linkedin.com/in/michael-murray-69b21510/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April 2021. https://www.theelephantintheroom.com.au/podcasts/173See omnystudio.com/listener for privacy information.

We welcome back Shelley Horton from episode 34. Shelley is the general manager of CoreLogic Valuation Solutions, which advises on the future of valuations’ and their role in the market. The property market is booming. For any transaction -- to buy, to sell, to refinance -- it all requires a valuer. Some valuers are seeing up to 15 properties a day. From desktop valuations to feet on the ground, how are 30 minutes with a property enough to reveal its true value? The reports can have a flow-thru effect on a buyer/seller's decision, leading to action or inaction that could be costly.In this episode, the team and Shelley discuss the state of the valuation industry. Understanding how valuers assess and produce their reports—highlighting the overwhelming need for accurate, objective reports that ultimately guide property buyers to make better decisions. RELEVANT EPISODES:Episode 171 | Pain & Gain Q4 2020: Who suffered and who triumphed? | Eliza Owen Episode 121 | Valuations: What should you know? | Bart Mead Episode 34 | The hidden things to look for when working out the price to pay | Shelley Horton GUEST LINKS:https://www.corelogic.com.au/news/valuing-properties-more-about-expectation-management-valuation-itself HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected]. EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April 2021. https://www.theelephantintheroom.com.au/podcasts/172See omnystudio.com/listener for privacy information.

Welcome back to another edition of our Suburb Trends report where we look at Australian suburbs’ condition, analysing, rationalising and theorising their present and future. In this episode, we'll focus on the top 10 highest median growth suburbs, honing in only on houses and suburbs with more than nine sales a month. The team looks at the various possible reasons for the growth in these suburbs, dissecting buyer behaviour, financial flows, and the development of new stock on the market. We discuss some suburbs you know and love, questioning if the statistics around median growth is an effective lens to evaluate an area's future? RELEVANT EPISODES:Suburb Trends March 2021 Suburb Trends February 2021 Suburb Trends December 2020 GUEST LINKS:www.suburbtrends.com https://www.suburbtrends.com/top-10-price-change-suburbs HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected]. EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April 2021. https://www.theelephantintheroom.com.au/podcasts/st9See omnystudio.com/listener for privacy information.

We welcome back Eliza Owen for the fifth time -- we can't get enough of her property market data and insights. Eliza is the head of residential research at CoreLogic and the author of CoreLogic's quarterly 'Pain and Gain' reports, which cover the entire Australian property market at a macro level, then drills down into suburb and property category performance. Eliza is quoted in countless articles and is a regular media guest as an expert in the residential property space. Her data is relied on by governments, the property industry, and individuals who are keen to better understand the property market. As competition shoots up, supply plummets and clearance rates hit 100%, we see how the results of Q4 2020 have set the stage for the current market and potentially the rest of the year. Eliza and the team interpret and break down this data for your benefit. RELEVANT EPISODES:Episode 170 | 2021 Fool or Forecaster Report | Which experts can you trust to get it right? Episode 159 | Why hasn’t the property market crashed? | Eliza Owen Suburb Trends March 2021 | Areas with big price falls! GUEST LINKS:Eliza’s socials: LinkedIn | Twitter Purchase CoreLogic Residential Pain & Gain Report HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in April, 2020. https://www.theelephantintheroom.com.au/podcasts/171See omnystudio.com/listener for privacy information.

Who could've predicted what happened last year? We began 2020 with high hopes and a positive outlook for the Australian property market, after the lows of 2019. Then came COVID-19, which threw everything we thought that was possible right out the window. Panic ensued and the real estate market came to a halt, especially in Melbourne. But as the year progressed and restrictions were lifted, the urge to upgrade and/or buy a first home became imperative, but vendors were concerned about selling in an unpredictable market. This led to a severe lack of supply. Now, with Q1 of 2021 behind us, the property market is thriving with historic clearance rates and FOMO rampant across the nation. In this annual episode, we cover the experts and property pundits who were brave or foolish enough to forecast the year that was. Who got it right and who got it wrong? Which voices potentially impacted the market, and what role did the media play amplifying their opinions and even causing panic? We hope to answer the question: where can you get good advice during a volatile situation? THE REPORT:https://www.theelephantintheroom.com.au/fool-or-forecaster THE EXPERT’S EPISODES:Roger Montgomery - Founder of Montgomery Investment Management June 24, 2019: Episode 73 | Why are so many equity investors bearish about property? Eliza Owen - Head of Residential Research at Corelogic Aug 19, 2019: Episode 81 | Will a crisis in confidence kill our apartment market? March 31, 2020: Episode 115 | The impact of new restrictions & increasing unemployment Aug 3, 2020: Episode 135 | Corelogic report: Pain and Gain, March quarter 2020 Jan 18 2021: Episode 159 | Why hasn’t the property market crashed? Louis Christopher - Founder of SQM Research Jan 13, 2020: Episode 102 | Research data - 2020 Boom or Bust? Shane Oliver - Head of Investment Strategy and Chief Economist at AMP Capital Apr 7, 2020: Episode 117 | The next Great Depression? The next Roaring 20s? Pete Wargent - International Buyers Agent & CEO of Next Level Wealth April 13, 2020: Episode 118 | Current global property market: What you should know. Martin North - Founder of Digital Finance Analytics (DFA) May 11, 2020: Episode 123 | To buy, or not to buy: that is the question Sept 28, 2020: Episode 143 | Postcode Analysis: What properties are outperforming the market Stuart Wemyss - Financial Advisor & Author of Rules of the Lending Game & Investopoly June 1, 2020: Episode 126 | Lending rules & predicting the property market February 8, 2021: Episode 162 | Houses vs Apartments Nicola Powell - Senior Research Analyst at Domain Sept 7, 2020: Episode 140 | Behavioural science of property buying Saul Eslake - Former Chief Economist of ANZ and Bank of America Merrill Lynch Nov 30, 2020: Episode 152 | What does top economist say on the current economic environment Warren Hogan - Former Chief Economist of ANZ July 8, 2019: Episode 75 | Is Australia heading into a recession? Jan 11, 2021: Episode 158 | Top economist puts Australia in the world picture. Superforecasting: The Art and Science of Prediction Paperback https://www.amazon.com.au/Superforecasting-Science-Prediction-Philip-Tetlock/dp/0804136718 HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March, 2020. https://www.theelephantintheroom.com.au/podcasts/158See omnystudio.com/listener for privacy information.

Lauren Robinson is the Director of Rental Results in Brisbane and has nearly two decades experience in the property management industry. Lauren has also authored the book ‘Rented!’ which helps investors develop successful property management skills. Adding to the arsenal of investment property episodes, we jump into being landlords looking at the roles, responsibilities and benefits.Here’s what we covered: What are typical ways landlords fail? How are vacancy rates currently looking? How has the rental market changed over COVID? What legal responsibilities do landlords have to their tenant? What makes a great property manager? How to successful market your investment property? How is technology changing in the property investment space? What due diligence should you be doing before you buy your investment property? Are all investments equal? RELEVANT EPISODES:Episode 168 | How to buy an investment property Episode 165 | Investing in commercial property Suburb Trends February 2020 | New popular suburbs GUEST LINKS:https://www.rentalresults.com.au/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March, 2021. https://www.theelephantintheroom.com.au/podcasts/169See omnystudio.com/listener for privacy information.

One of our dedicated listeners Lily, asked six questions around buying her first investment property. The questions were so relevant and important they warranted their own entire episode. We discuss how to assess, prepare and act on buying your first investment property, what you should be buying and how to know if you’re ready.Questions: Financially, what are some indicators you're ready to buy an investment property? (Eg is there a rule of thumb for how much of your place of residence you should pay off first? And does that count money in an offset account?) In terms of location - does the advantage of having local knowledge outweigh the risks of having all your eggs in one basket? (And if the advice is to diversify, does that mean look in a different suburb, or is it better to look in a completely different city? Diversifying makes sense in theory but buying in an unfamiliar city seems risky) Is there any guidance around the value of an investment compared to the value of your place of residence, assuming you can service repayments? (eg would it be weird to have an investment property worth more than your place of residence, assuming you are happy living in a modest home?) In terms of type of property, is it good to diversify from your first property or just to focus on a 'quality asset'? (Eg Our home is a townhouse - should we try hard to get a freestanding house for an investment property?) What are some tips and considerations for structuring mortgages? (Eg we make currently make minimum repayments and keep any extra in an offset, just in case we want to buy or rent elsewhere and keep our current place as an investment property. However, it's looking more likely that this will be our 'forever home' and future property purchases would be investments - or if we didn't want to live here we'd be happy to sell it, rather than rent it out - would that change the strategy?) What are the pros and cons of using the equity in your home as leverage? RELEVANT EPISODES:Episode 162 | Houses vs Apartments Episode 161 | Listener Q&A: Building your own home, retiring on property & sustainable properties? Episode 157 | 2021 predictions & 2020 review HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March, 2021. https://www.theelephantintheroom.com.au/podcasts/168See omnystudio.com/listener for privacy information.

This month we are focusing on what is not booming! Which suburbs and areas have had the greatest price falls, and why? Within this episode we will recap how the market is currently performing rationalising why these mentioned suburbs have had the greatest drop off and what it means for greater Australia.Here’s what we covered: How is the unit market performing? Where would be the last place you would buy property? How Western Sydney is compared to the city. What patterns and potential causes have impacted these areas? How has the drop in tourism impacted property prices across Australia? Where was the biggest fall in property prices in Australia? Will these areas bounce back in the future or will the demand flow elsewhere? RELEVANT EPISODES:Episode 159 | Eliza Owen Suburb Trends February 2021 Suburb Trends December 2020 LINKS:www.suburbtrends.comhttps://www.suburbtrends.com/suburb-reviews https://au.finance.yahoo.com/news/suburbs-house-price-plummeting-011158856.html?guccounter=1 HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March, 2021. https://www.theelephantintheroom.com.au/podcasts/st8See omnystudio.com/listener for privacy information.

We welcome David Tucker Chief of Infrastructure Assessment at Infrastructure Australia. David joined Infrastructure Australia in 2018 after over 16 years with some of Australia’s top-tier consulting firms. In this episode we chat shop on how infrastructure factors within the property market and how have airports, roads, transport and essential goods been impacted in recent times from the change in working arrangement and the post-COVID normal.Here’s what we covered: What is infrastructure Australia and why does it exist? What are the different classes of infrastructure? How to assess key projects? What has made certain projects more of a priority than others? How has climate change impacted infrastructure projects and schedules? Has COVID shifted much point of view on the upcoming projects? How do regions compete in getting more spending for infrastructure? What projects should we be most excited about? How does infrastructure impact property prices? What will it take to solve the transport problems in Australia? What gaps in our infrastructure do we currently have and how can this be solved? RELEVANT EPISODES:Episode 158 | Warren Hogan Episode 148 | Bernard Gallagher Episode 145 | Lucinda Harley GUEST LINKS:https://www.infrastructureaustralia.gov.au/publications/Infrastructure_Priority_List_2021 Priority List interactive map: https://www.infrastructureaustralia.gov.au/search-priority-list-map Infrastructure beyond COVID-19: https://www.infrastructureaustralia.gov.au/publications/Infrastructure-beyond-COVID HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March, 2021.https://www.theelephantintheroom.com.au/podcasts/148See omnystudio.com/listener for privacy information.

Welcoming back Scott Phillips, Chief Investment Officer of the Motley Fool. In this episode he details the current investment market, where people are putting their money and who is winning big and who are losing it all. We expand the chat discussing how interest rates are playing into the overall picture of Australian property, shares and cryptocurrency.Here’s what we covered: Why are buyers so confident investing into bricks and mortar? What other investments are going off? How did the craze of Gamestop happen and what will be the after effects? What is happening in the share market? What are the kinds of people investing and will they continue to invest? Will bitcoin continue to boom or bust? Will the TechReck happen? Have Australian saved or spent more during Covid? What is better to invest into super or property? Should you upgrade your house or invest? RELEVANT EPISODES:Episode 159 | Eliza Owen Episode 152 | Saul Eslake Episode 69 | Scott Phillips GUEST LINKS:https://podcasts.apple.com/au/podcast/the-rba-takes-three-years-off-what-does-it-mean-for-us/id1118867383?i=1000507802202 HOST LINKS: Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in March.See omnystudio.com/listener for privacy information.

Steve Palise is a commercial property buyers agent, who started his career as an engineer but found his passion in commercial property. He has helped thousands of clients secure and purchase properties across every state and has achieved amazing outcomes whilst reducing their risk. In this episode Veronica and Steve discuss the intricate differences between commercial property and residential property; how it grows, why people invest into it and how it can add to your portfolio.Here’s what we covered: How does commercial property investment differ from residential What type of investor buys commercial property? What are the options to getting into commercial real estate? How do you minimise your risk with commercial property? What due diligence needs to be done when commercial property? How is commercial property valued? Is capital gains a big part of the value proposition of commercial property? How is interacting with the tenant different from residential property? RELEVANT EPISODES:Episode 160 | Soren Trampedach Suburb Trends November 2020 | University Towns GUEST LINKS:Buy Steve Palise’s book: https://www.paliseproperty.com/ HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in February, 2020. https://www.theelephantintheroom.com.au/podcasts/165See omnystudio.com/listener for privacy information.

Marty Sadlier has over 19 years experience in the building and construction industry, he is the co-founder of MCG Quantity Surveyors which is recognised as Australia’s fastest growing quantity surveying firm; working with big names in business like McDonalds, CBA and Westpac. In this episode Marty breaks the news to Australians about the widespread building defects, the unbelievable underinsurance across Australia and what property investors should be doing to safeguard their biggest asset. Here’s what we covered: How underinsured are Australians? How to work out how much you should insure your house for? Are online value calculators accurate? How does extra costs such as demolish get lost in property owners calculations? Can you insure depreciating buildings? What is the difference between a valuer and a quantity surveyor? Do apartment 5 year valuations increase their premiums? How many buildings have flammable cladding? Are things improving around building defects or is it getting worse? RELEVANT EPISODES:Episode 138 | Simon Kuestenmacher Episode 121 | Bart Mead Episode 113 | Dr. Nicole Johnston GUEST LINKS:https://www.mcgqs.com.au/elephant/ Fire Cladding Blog Common building defects Blog Final NSW Government Report into Building Standards and Quality Blog HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in February 2021.See omnystudio.com/listener for privacy information.

The future is now? Speak to your house, have an AI butler and automate your life… maybe not now but when? In this episode we chat to Brett Savill, CEO of Quantify Technology, an ASX-listed technology business dedicated to simplify living environments with ‘smart housing’. Our hosts and Brett discuss the current state of smart houses, the future of housing across the globe and how technology companies like Quantify Technology play into this. Here’s what we covered: Why has it taken so long for smart houses to get where it is now? Out of all of the products which are best suited for home automation? What should a homeowner expect to pay for a smart house? Does fitting a house with smart technology increase it’s value? What are the benefits of fitting a house with smart technology How do big international players like Google and Amazon fit in this picture? Cyber-security is a major issue, how will you data be used? How should homeowners think about data communication? Is it expensive to set up and install? RELEVANT EPISODES:Episode 161 | Q&A Episode 156 | Sentiments on the decade ahead Episode 148 | Urban Design: What will future Australia look like? GUEST LINKS:https://www.quantifytechnology.com/directors/brett-savill/ http://linkedin.com/in/brettsavill HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in February 2021 https://www.theelephantintheroom.com.au/podcasts/163See omnystudio.com/listener for privacy information.

Kent Lardner & the hosts took a look at the most popular searched suburbs from a year ago and discussed whether being popular then resulted in price increases. The 10 most searched suburbs in Australia were in Sydney and Melbourne and they fit in two buckets, aspirational and affordable. Listen and find out which performed better. Here’s what we covered: Why is regional NSW looking strong for both units and houses? Why will the Sydney market always run hot? Where is the mass exodus of Melbournites heading to and what are they buying up? How does an outer edge suburb like Hornsby experience such rapid growth? Who were the owners that saved the Paddington and inner east terrace house? Who will miss out at auction in Melbourne and how are home buyers preparing themselves to purchase? RELEVANT EPISODES:Episode 162 | Stuart Wemyss Suburb Trends December 2020 Suburb Trends November 2020 LINKS:www.suburbtrends.comAustralia's most popular suburbs revealed HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in February 2021 https://www.theelephantintheroom.com.au/podcasts/st7See omnystudio.com/listener for privacy information.

Welcoming back Stuart Wemyss to chat shop on the importance of differentiating between types of property and how this comes into play when location, location, location matters most. Stuart Weymss is the director of Prosolutions and host of the Investopoly podcast. Stuart recently released a report Performance Review of Investment Grade Apartments which goes into lengths on the future of apartment ownership, comparatively to house and land ownership. Here’s what we covered: What is the long term impact of COVID on desire and affordability? Expats moving back to Australia, how might this impact the property market? Is land value restricted when sold next to prestige homes? What are viewed as investment grade locations in Sydney? Why did the Melbourne apartment market fail and what will it take to rise from the depths? Why do some apartments in certain areas outperform houses in certain areas? How has COVID interrupted the downsizer market? What will the next wave of property developments look like? RELEVANT EPISODES:Episode 136 | Owen Raszkiewicz Episode 126 | Stuart WemyssEpisode 39 | Stuart Wemyss GUEST LINKS:https://www.prosolution.com.au/report-investment-grade-apartments/ Buy Stuart’s book Rules of the lending game. And use code ‘elephant’ for a discount plus free postage. Buy Stuart’s book Investopoly Subscribe to Stuart’s blog HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in January 2021See omnystudio.com/listener for privacy information.

In our firth Q&A host special, Veronica and Chris jump into your questions! What to look for in the land before you buy? Can you retire with just investment properties? Is buying and building your own home a good idea? How do you know if you’re buying the top end of a suburb? High strata cost, what are you paying for? Is there a new incentive to buy sustainable properties? Questions: “Are there any things a buyer should look for in land besides location and size? If it slopes? Do all new properties decrease in value after build?” “How does buying your own land and building vs house and land packages, and renovation of established?” “Is there a viable option to retire without selling down or without killing the geese that lay the golden eggs? How does one do it before the age of 60 without super and just via property, and without selling down half or most of the properties to get there. I guess that's an episode I'd love to listen to?” “One of the things I would like to hear your views upon is how do you evaluate / research when you are, say buying a market leader property in a suburb ?” “I’ve noticed when I look in the lower north shore that a lot of properties have high strata, I’ve heard councils are starting to audit strata run buildings to confirm they are up to fire code etc?” “Do sustainable properties receive a premium on the potential property value? ie: is there any analysis on buyers being willing to pay more for a sustainable product?” RELEVANT EPISODES:Episode 127 | Q&A 3 Episode 99| Archi Blox Episode 98 | Q&A 2 HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: [email protected] Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in January 2021.See omnystudio.com/listener for privacy information.

Soren Trampedach is the founder, chairman and CEO of Work Club. Work Club is an established boutique solution to accommodate for modern day work space and place challenges. In recent times Work Club has shifted to providing consultancy on workplace optimisation to industry leaders such as Google, Deloitte and Facebook. With his remarkable insights and knowledge on efficient work spaces, Soren predicts what workplaces of the future will look like and how Covid has sped up what might be the inevitable. Here’s what we covered: What will work look like in 12 months in comparison to the last 12 months? Will we end up going back to the old work routine? What is pro-working and will it grow? Will attitudes in Melbourne be exacerbated due to extended lockdown? What is happening across the globe in terms of work patterns and who can we learn from? How will developers shift what they make and sell? What are landlords thinking about their older buildings? Will co-working expand nationally? And what areas will need it the most? How WeWork rose and fell and what it means for the alternative working industry? RELEVANT EPISODES:Episode 145 | Lucinda Hartley Suburb Trends August 2020 Episode 104 | Adam Hirst GUEST LINKS:Facebook: https://www.facebook.com/workclubglobal/ Instagram: https://www.instagram.com/workclubglobal/ LinkedIn: https://www.linkedin.com/company/work-club-sydney HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020. https://www.theelephantintheroom.com.au/podcasts/160See omnystudio.com/listener for privacy information.

‘Forecasters’ have been holding their breath for the property market to crash for years, it was only during Covid that it looked inevitable. They said it’d be at the peak of Covid cases, the tightening of restrictions and of course the ‘September cliff’, but here we are and the property market is holding strong and banks are even turning away potential customers due to being stretched thin from an influx of new pre-approvals. The question is: where is our long promised crash? We can’t get enough of the superb Eliza Owen, welcoming her back for the fourth time! Eliza is Core Logic’s Head of Residential Research and author of various Core Logic reports and articles, most notably their Pain or Gain report. In this episode we look back in hindsight on the performance of last year, and why the property market has not crashed despite mainstream media and revered economists expecting it?Here’s what we covered: Why hasn’t the property market crashed? Where has listening been hit the hardest? How have Brisbane properties performed over the Covid period? Is the property market slowing down during the holiday period? How have capital cities performed differently from each other? What type of properties have been hit the hardest? What areas have already seen an uptick in new residents? Are we going to experience an undersupply of apartments in the near future? How does the loyalty tax work and is it unfair or just competitive? RELEVANT EPISODES:Episode 157 | 2021 Forecast Episode 135 | Eliza Owen Episode 115 | Eliza Owen GUEST LINKS:https://www.corelogic.com.au/news/why-didnt-australian-housing-market-crash www.homebuyeracademy.com.au/workshop HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 15 December, 2020. https://www.theelephantintheroom.com.au/podcasts/159See omnystudio.com/listener for privacy information.

The primary issue of 2020 is Covid, but what about questions surrounding China’s geopolitical expansion, Covid-19 vaccination, the changes to government stimulus and whether or not APRA will intervene to slow the property Market? Welcoming back Warren Hogan from episode 75. Warren is the former Chief Economist of ANZ and is currently the Industry Professor at UTS and Chief Economic Advisor of The Executive Connection. Warren has also appeared in the media on multiple occasions, to give his perspective and expertise on the global economy and how our small country of Australia feels it’s effects.Here’s what we covered: What will be the legacy of 2020? How has Australia relied on China to keep our economy afloat? What can Australia do to pivot our primary exports? How long will Australia keep its border closed? What can we do about net zero immigration? Is it inevitable that we will lock down again in 2021? Is Australia’s raw material export going to save the economy again like in the GFC? Are we going to see negative interest rates any time soon? Will APRA step in to slow down the property market? RELEVANT EPISODES:Episode 150 | Meighan Wells Episode 117 | Shane Oliver Episode 75 | Warren Hogan HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 15 December, 2020. https://www.theelephantintheroom.com.au/podcasts/158See omnystudio.com/listener for privacy information.

No one could have expected the economy, let alone the property market, to be flipped on its head this year. New restrictions and cases were a daily occurrence with all industries having to pivot rapidly or succumb to the down turn. Seeing with 2020 vision, we look back in hindsight on the property market, and how it performed, changed and adapted to market conditions. Moreover, we look at how 2020 has laid the foundations for the years to come, with all time low interest rates, changes to stamp duty and most importantly what consumers are looking to buy. Here’s what we covered: Will investors come back into the market? What allowed an uptick in consumers taking out mortgages? How Labour losing the election had a massive impact on the property market. What are banks trying to accomplish with high advertising budgets and refinance wars? Have the grants for new homeowners been beneficial or detrimental? What will the stamp duty changes look like and how will they impact the overall market? How has Covid altered what consumers are looking to buy and will this possibly translate to what developers build? Will the access to super be hugely beneficial or will it compromise individuals futures? Will there be a third wave of Covid with relaxing restrictions and the introduction of the vaccine? What will happen at the end of payment holidays and jobkeeper? RELEVANT EPISODES:Episode 150 | Meighan Wells Episode 126 | Stuart Wemyss Episode 120 | Michael Yardney COVID-19 EPISODES:Episode 112 | Pandemic Crisis (March 21st) Episode 115 | New Restrictions (March 31st) Episode 117 | Next Great Depression (April 7th) Episode 122 | Buying during pandemic (May 7th) Episode 132 | Societal impacts of Covid (July 13th) Articles/Links:Good Deeds: THE EMBARRASSED BUYER SYNDROME Good Deeds: SYDNEY HOUSE PRICES HAVE STOPPED FALLING Good Deeds: IS IT A GOOD TIME TO BUY PROPERTY IN SYDNEY NOW? Home Buyer Academy - Free Course Suburb Trends HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 15 December, 2020. https://www.theelephantintheroom.com.au/podcasts/157See omnystudio.com/listener for privacy information.

Rocky Scopelliti, is a world class futurologist, recognised internationally as an authority across upcoming technology, social change and the economic future. He’s currently a director of Optus and Community First Credit Union, and works in advisory capacities to a variety of companies including Fortune 100 corporations. In this episode, Rocky dives into his recently published book Australia 2030! - Where the Bloody hell are we? which outlines the sentiments of 673 professionals, 170 in key executive positions and their views on the decade ahead.Here’s what we covered: How will the world transition through to the next leap of automation and AI? Will remote working open up competition for Australian jobs? Is the physical home more important now than ever? What will the workforce look like in 2030? Can we trust in the Government to invest in our future? What issue will impact Australia the most in the next decade? How can businesses contribute to society? Is the technological and scientific future optimistic? How will the average Australian's life change the most? What has worried the majority of Australians over the next decade? RELEVANT EPISODES:Episode 129 | Craig Rispin GUEST LINKS:http://www.rockyscopelliti.com/Australia 2030 – Where the bloody hell are we?Buy Now Here HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in December, 2020. https://www.theelephantintheroom.com.au/podcasts/156See omnystudio.com/listener for privacy information.

It’s everyone's dream to become mortgage free but how do you do it and when is having debt a good idea? Welcoming esteemed long-term money commentator and financial literacy advocate Nicole Pedersen-McKinnon, Nicole is former editor of AFR’s Smart Investor Magazine and has recently published her book How to Get Mortgage-Free Like Me which reveals how Australians are shaving years off their loan term and becoming debt free. In this episode Nicole gives the scoop on how she and her clients have become mortgage free, and how everyday Australian’s can also make this dream come true. Here’s what we covered: Why do people get confused by what you own versus what you own? How to borrow safely? What are some tips on being frugal? What are the most powerful debt free enablers? At what age should people aim to become debt free? Should people put more money in super or paying down home? Should you pay down your investment properties? Why should people not be fearful of debt but using it more appropriately? Are the current sub 2% rates an opportunity or a trap? RELEVANT EPISODES:Episode 153 | Brendan Coates Episode 131 | Jessica Fox Episode 130 | Glen James GUEST LINKS:Website - NicolesSmartMoney.com App - My Mortgage Freedom YouTube - Nicole's Smart Money Book - How to Get Mortgage Free Like Me Book discount code 20% off - ELEPHANT HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020.See omnystudio.com/listener for privacy information.

Speaking to Damian Collins, a well respected and experienced property expert on the current state and the future of the Perth property market. Damian is the founder and managing director of Momentum Wealth and has served on the REIWA Council since 2011 and was elected president of the institute in 2018. In this episode we ask the questions: will those who invested in the boom ever get their money back? Will Perth be the next hotspot and will it be able to contend with other capital cities? Here’s what we covered: Why has Perth performed so poorly compared to other capital cities? What parts of Perth have stayed strong and grown in value? Did the top end of the market struggle to move the high quality properties? Where is the growth in the Perth market coming from? What is Perth doing to get rid of their oversupply Were grade A properties having a hard time to sell or were they always flying off? How many new builds are being built every year? How will the Perth property market change because of Covid? Is the market owner-occupied dominated or investor dominated? How has the rental stock been affected? What types of clients are developing or in syndications RELEVANT EPISODES:Suburb Trends October 2020 Episode 143 | Martin NorthEpisode 133 | Alice Stolz GUEST LINKS:Momentum Wealth HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness… This episode was recorded in November, 2020.See omnystudio.com/listener for privacy information.

2020 has been an insightful year, reshaping where people work, live and spend time. The question is what will 2021 bring? With the restructuring of stamp duty and opt in/opt out programs be a success? Moreover, will the government target this towards new properties like FHB grants or will it open the door, moving citizens away from new builds? In addition to the stamp duty conversation Kent and the team showcase capital cities performance during this year; which has the brightest outlook for the future? Here’s what we covered: How will the abolishment of stamp duty work? Will flippers return to the market if they can opt out of stamp duty? How can property buyers maximise their return when renovating? How different states will calculate stamp duty and land tax differently? What are small ways flippers can increase their profit margin? How have the capital cities performed from one another? Has Covid really affected the property market, or has it boomed? Which small rural city has greatly benefitted from Covid? Does the fall in listing matter if the price of property rises? RELEVANT EPISODES:Episode 153 | Brendan Coates Suburb Trends November Episode 150 | Meighan Wells GUEST LINKS:http://www.suburbtrends.comhttps://www.revenue.act.gov.au/tax-reform https://www.realestate.com.au/property/78-ragless-cct-kambah-act-2902 HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 9 December, 2020. https://www.theelephantintheroom.com.au/podcasts/153See omnystudio.com/listener for privacy information.

Welcoming back Brendan Coates to discuss the implications of the government plan for home buyers to access super to assist in purchasing property. Brendan is the Household Finance Program Director at the Grattan institute, he has focused on a wide variety of topics including tax reform, housing and superannuation. In this episode the team and Brendan discuss the implications of accessing super and that if putting your super towards a property purchase will get you ahead or put you behind?Here’s what we covered: What has the biggest impact on retirement - owning home or superannuation? What is not working for the system currently? How have first home buyers struggled in the past 30 years? Why should people stop and think before taking out super? If people do access super, what kind of property will they get pushed into? What would make taking out super a very bad idea? What is the appropriate level of super contributions? Is this super scheme for the people or for the tax revenue? What does the forecasted return look like in 30 years/? RELEVANT EPISODES:Episode 124 | Brendan Coates Episode 89 | Brendan Coates GUEST LINKS:Article 1: Australia needs new-generation thinking on retirement incomes Article 2: 5 key takeaways from the Retirement Income Review’Article 3: Five reasons the Turnbull Government should not allow superannuation to be spent on a home Article 4: The latest ideas to use super to buy homes are still bad ideas HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020. https://www.theelephantintheroom.com.au/podcasts/153See omnystudio.com/listener for privacy information.

We are honoured to have renowned economist Saul Eslake on the podcast to discuss all things Australian economy. Saul Eslake has worked in Australian financial markets for over 25 years, including several chief economist roles in Mcintosh, ANZ and Bank of America Merrill Lynch, and has worked in an advisory capacity with the federal government. Saul comes in with a wealth of knowledge and insight into the current state of affairs including how the various states have performed from one another, how net migration will change in the future and Australia’s need to shift from exporting raw materials to service based industries. Here’s what we covered: What are some similarities between the economy post Spanish flu and Covid 19? What's most likely going to happen nationally and globally? Are we on the cusp of structural change? How are capital city housing prices going? How Sydney survived through Covid comparison to Melbourne? Why have fixed rates historically been higher than variable rates? How is the RBA trying to reduce the AUD? What is the state of the current banking system How will the US election impact the Australian economy? What ways can Australia grow its economy beyond the exporting of raw materials? RELEVANT EPISODES:Episode 143 | Martin North Episode 132 | Mark McCrindle Episode 117 | Shane Oliver GUEST LINKS:www.bettercallsaul.com.au Saul Eslake - LinkedIn, Saul Eslake - Facebook Saul Eslake - Twitter Saul Eslake - Youtube HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT:Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020. https://www.theelephantintheroom.com.au/podcasts/152See omnystudio.com/listener for privacy information.

Amanda Farmer, Strata Lawyer, is a go-to-expert in "strata world" with over 15 years experience as a strata lawyer. Amanda joins us again to clear up what is going on in Strata properties when it comes to owning pets. Recently, the New South Wales Supreme Court declared that a blanket ban on pets in strata buildings is harsh, unconscionable or oppressive. Here’s Amanda’s take on:* What does this mean for strata owners and tenants? * What pets are actually allowed & in what circumstances can they be banned? * What are the limits of an executive corporation's reach? * Does this mean there are some aspects of conduct you can't control? * Why committees with internal conflict are likely to suffer over more than just the pets issue.* Top things buyers & tenants need to be aware of before they choose to purchase or rent a strata property. For brilliant tips from an expert Strata Lawyer, Amanda Farmer, don’t miss this episode! GUEST WEBSITEShttps://yourstrataproperty.com.au/ DOWNLOAD THE TRANSCRIPT: www.theelephantintheroom.com.au/podcasts151 RELEVANT EPISODESEp 103 | Strata owners rights & obligations Episode 25 | What hidden dangers can lurk in brand new apartments? HOST LINKS: Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] omnystudio.com/listener for privacy information.

In this edition of Suburbs Trends, Kent gives the scoop on the current state of university towns and feeder suburbs. With the majority of international students returning to their country of origin during the beginning of COVID Australian university towns especially in Victoria have suffered the consequences with high unemployment, low property prices and skyrocketing rental vacancies. Will these regions bounce back and how will it happen? Here’s what we covered: How will zero overseas students in Australia impact university towns? Will reduced overseas students lower property prices? Why is Newcastle such a hot area? How have the surrounding university suburbs been impacted by Covid? What 'property fads' should investors and home buyers stay away from? How have Victorian suburbs been impacted by the drop in overseas students with 7 out of the 20 top universities residing in VIC? How many units are hitting the market and is there likely to be another fire sale of poor cheap assets? How have the developers targeted their marketing towards Chinese investors? Why landlords of new property can’t differentiate their property besides dropping rent. What are the lies of 'building subdivisions' and getting a greater yield? RELEVANT EPISODES:Suburb Trends October Suburb Trends September Episode 124 | Brendan Coates GUEST LINKS:http://www.suburbtrends.com HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded on 19 November, 2020.See omnystudio.com/listener for privacy information.

Veiled behind a strong border defence, you can come out but you can’t come in. It begs the question: what is going on with the Brisbane property market? In this episode Veronica chats shop with Meighan Wells on the state of the Brisbane market, making note of the vast structural differences to other capital cities, how the WFH movement shifted more people into the city and asking the question will Brisbane boom or fizzle out? Meighan is a buyers agent and principal of Property Pursuit and co-founded Home Buyer Academy alongside Veronica. Here’s what we covered: What's happening across the border in Brisbane? How has the Brisbane property market performed compared to Melbourne and Sydney? How has the work from home movement shifted more people to Brisbane? Why shouldn't you ever rely on the vendor's agent and how you can be misled? What is driving the Brisbane property market? How has the repatriation of Australians altered what's currently on the market? Are investors buying high maintenance old queenslanders? What is it like to buy property in Brisbane? Why you should never 'hotspot hunt' for property. What is the current state of the rental market in Brisbane? What type of property goes off at Auction? RELEVANT EPISODES:Episode 145 | Lucinda Hartley Episode 143 | Martin North Episode 132 | Mark McCrindle GUEST LINKS:Home Buyer Academy - Workshop HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in November, 2020. https://www.theelephantintheroom.com.au/podcasts/150See omnystudio.com/listener for privacy information.

In our fourth Q&A host special, Veronica and Chris dive deep into questions that you have sent in, covering topics on the difference between growth and yield, how would they change their property strategy if they had their current knowledge when they started out and what will the market hold post Covid; will it boom or will it bust? Questions: What do you suggest is the best way to balance capital growth with yield to maintain good loan serviceability when building a property portfolio? With all your current experience, how confident are you that from 2020 to 2045 you would outperform your 1995-2020 returns? We bought in March and with the impact of COVID we are still feeling quite comfortable with our investment but were interested to know how Chris was feeling given how closely he is watching the market. Looking to purchase our first property, should we use our savings to purchase this or use a guarantor loan from our parents and then use our savings to purchase an investment property not long after? MENTIONED LINKS:Sydney & Melbourne Property Price Prediction 2020 - 2022 - Jude Lamb RELEVANT EPISODES:Episode 127 | Q&A 3 Episode 98 | Q&A 2 Episode 57 | Q&A 1 HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in October 2020.See omnystudio.com/listener for privacy information.

Has Covid sped up and/or changed the direction that modern Australian cities will take? Bernard Gallagher, Owner and Regional Director of Ethos Urban. Ethos Urban has played an instrumental role in developing Barangaroo, Central Park and the recent redevelopment of Darling Harbour. Bernard and our host discuss the future of Australian cities, and pitting it against how Covid has impacted the rate at which our cities adapt to the new needs and wants of consumers.Here’s what we covered: How will Covid change the way we design cities in the future? What is urban renewal and why is it so important? Will the work from home movement change what consumers look for in property now? Is the current urban plan of our cities good enough? Are developers pushing on with pre-covid plans or are they changing their direction? Will road redevelopments and expansion be possible in the near future? Will people go back to the office at the end of Covid? Will Sydney shape up to be a pedestrian city? What will urban designers do to create a more accessible city? Is there hope for Sydney to have high speed rail in the future? RELEVANT EPISODES:Episode 140 | Nicola Powell Episode 138 | Simon Kuestenmacher Episode 132 | Mark McCrindle HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in October 2020. https://www.theelephantintheroom.com.au/podcasts/148See omnystudio.com/listener for privacy information.

In today's episode, we have Paul Benson, Principal of Guidance Financial Services and published author of Financial Autonomy. Paul has been working as a financial planner for the last 20 years, working with a wide spectrum of clients, helping them gain ‘financial autonomy’. Paul gives his two cents on the property versus shares debate, adding in extra commentary from his book and own experiences with clients and friends on their journey to creating wealth. Here’s what we covered: What is the difference between financial autonomy and financial freedom? How can people retire in their early 60s? Income replacement or wealth creation? How are people finding their 'true purpose' through work? How to deal with the temptation of trying to time investments? Why ethical and sustainable investing will be the future. Should you invest a lump sum in shares or property? With interest rates so low, are people taking on more home debt? Why do most financial planners not give advice around property? How do you build your share portfolio What are people investing in now? RELEVANT EPISODES:Episode 136 | Owen Raszkiewicz Episode 131 | Jessica Brady Episode 130 | Glen James GUEST LINKS:Guidance Financial Services Financial Autonomy - Podcast Financial Autonomy - Book New challenge!Reach out to us if you have a positive off-the-plan purchase, we would love to hear from you! HOST LINKS:Looking for a Sydney Buyers Agent? www.gooddeeds.com.au Work with Veronica: https://linktr.ee/veronicamorgan Looking for a Mortgage Broker? www.wealthful.com.au Work with Chris: [email protected] Send in your questions to: [email protected] EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdness…This episode was recorded in October, 2020.See omnystudio.com/listener for privacy information.