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

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.

Kym Nitschke the ‘jack of all trade’ regales the team on the exciting trials and tribulations of an accountant on the quest to discover the best ways to structure property portfolios. Kym is the CEO of Nitschke Nancarrow Accountants which has over 1200 business and individual clients, he is a qualified financial advisor, chartered accountant and is a licensed builder. Kym highlights the impact of capital gains tax and how to make the most of it, and gets personal with what he has seen that his plethora of clients have gotten wrong and of course what he has done wrong; lots to learn from an experienced advisor and investor. Here’s what we covered: How does capital gains tax work? What happens to your capital gains tax if you move into it after renting it out? How to minimize tax on renting your home on holidays? Should you buy a holiday home? Can you get CGT exemption if you upgrade and move into a new home? How to maximise your CGT exemption with the help of the 6 year rule How to best structure your property portfolio What are the best strategies with buying an investment property What are the benefits of owning property in a trust RELEVANT EPISODES:Episode 136 | Owen Raskiewics Episode 119 | Chris Bates Episode 116 | Alison Lacey GUEST LINKS:https://nitschkenancarrow.com.au/ Your Investment Property: PPOR and the six year rule 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.

In this Suburb Trends update, Kent and the team talk shop on the cardinal rule of the Australian property market; that there is not just one market. This being said why is that? What makes property different? The team discusses the differences between the aspirational and the affordable property markets noting why developers choose to offload ‘premium’ builds in low socio economic areas expecting to create some hidden growth.Here’s what we covered: What’s happening in the world of regional property? Where will people be more inclined to move to; a sea or tree change? Connecting the correlation between LMI data and Kent’s ‘danger zones’ Why quality houses in great locations always outperform units in the same area. What unit markets are currently in danger? How does the LMI risk data highlight low growth areas? What data points don’t match up to the high or low performance of an area? Why are developers choosing to create projects in low socio economic areas? Is it the right idea or are they trying to manufacture growth? RELEVANT EPISODES:Suburb Trends September Suburb Trends August Suburb Trends July GUEST LINKS:http://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.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 October, 2020. https://www.theelephantintheroom.com.au/podcasts/st4See omnystudio.com/listener for privacy information.

Have you ever wondered how suburbs are designed? What makes that suburb a community? And the role that urban designers play in moulding modern Australia? Lucinda Hartley Co-Founder of Neighbourlytics.com, discusses these complex questions with our hosts. Lucinda and her co-founder Jessica Christian-Franks have led the global conversation on urban innovation, holding positions with global bodies the UN and the World Bank. Here’s what we covered: How do suburbs develop their own identity and community? What can people do to move into areas that suit their lifestyle? What data does Neighbourlytics utilise data to map social trends in suburbs? The correlation between a suburb's liveability and wellbeing? How should cities be built and organised? Where have we gone wrong in the creation of new builds and suburbs? How do new suburbs and towns on the fringes develop? What drives people to move out to these fringe communities? How will Covid change the social dynamics of cities? What can we learn from alternative community models from around the world? RELEVANT EPISODES:Episode 138 | Simon Kuestenmacher Episode 120 | Michael Yardney Episode 104 | Adam Hirst GUEST LINKS:Neighbourlytics - The new local data report Song - Little Boxes On the Hillside 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.

While we search for the secret sauce on what makes a premium sales agent we find Tanja Lee, who believes we should flip the switch on how agents sell; leaving the egoic culture behind for trustworthiness and transparency. Tanja Lee started off as a vendor looking for their perfect agent, and now is one of the leading leadership development coaches in the real estate industry, coaching some of the top agents in the nation. Beyond becoming a better agent this episode has a plethora of helpful topics for vendors looking to sell and buyers looking to find their next property.Here’s what we covered: What are sales agents doing to win you over? Why do some agents fly and some flop when it comes to communication? What should vendors be doing to get the most out of their sale? How many sales agents should you speak to before finding the right fit? What should you look for in sales agents? How to significantly increase your conversion rate as a sales agent. What ways can vendors get better results with an agent? RELEVANT EPISODES:Episode 109 | Amy Stead Episode 110 | Veronica Morgan Episode 125 | Damien Cooley GUEST LINKS:TMJ Coaching - Meet Tanja Home Buyer Academy - Freecourse 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 August, 2020. https://www.theelephantintheroom.com.au/podcasts/144See omnystudio.com/listener for privacy information.

Martin North jumps into the deep end in this episode mythbusting common misconceptions of property, highlighting the terrible deals and properties people get sold into everyday. All property grows 7% every year, government grants are the best thing since sliced bread and believing that the cheap brand new property you just bought will help you ‘ride the market’... but then there is data.Here’s what we covered: What is keeping property owners awake at night? How have spending habits changed during Covid? Are grants all that they are chalked up to be? Are developers increasing their margins once new grants come out? Breaking down the myth that once you're in the property market you can ride it out. Why are people being misled by the government grants and buying new property? What is more important, yield or growth? What demographic is currently buying? Why the sold data best determines post code future pricing. Why you should NEVER go the cheap route with property. This weeks dumbo: Purchasing property just before an industrial development is built across the road. RELEVANT EPISODES:Episode 123 | Martin North Episode 135 | Eliza Owen Episode 140 | Nicola Powell GUEST LINKS:DFA Blog - Household finance confidence index 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 August, 2020. https://www.theelephantintheroom.com.au/podcasts/143See omnystudio.com/listener for privacy information.

Welcoming back Jimmy Thomson from the infamous and hilarious episode 106 where he regaled our hosts on nightmare neighbours, unbelievable stories and insane experiences. In this episode Warren Coleman joins the chat on their brand new ‘podcom’ called Hyperbole Towers which brings together a comical approach to what it is like to live in a strata complex and all of the zany and unique characters you come across. Here’s what we covered: Taking a few laughs out of strata living. What happens when strata managers lend swipe keys to security guards? What do you do if you have a horrible neighbour in your complex? How comedy and stories of strata living can paint the full picture of the lifestyle. How have building issues in new developments been reflected in Hyperbole Towers? What are the benefits of living in strata? Who is the ideal person to live in strata? RELEVANT EPISODES:Episode 106 | Jimmy Thomson GUEST LINKS:Website - Flat Chat Podcom - Hyperbole Towers 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] This episode was recorded in August, 2020.See omnystudio.com/listener for privacy information.

In this edition of Suburb Trends monthly report the team and Kent Lardner crack the lid on what suburbs are only now feeling the effects of COVID, including what areas that are seeing a massive influx of consumer demand. On top of this we analyse the data between housing prices and units prices and what this means for suburbs future growth.Here’s what we covered: Why do certain suburbs always outperform the market? What suburbs are cold? Properties that vendors have a hard time selling? How low are the current listings? What is the current vacancy rate? Using LMI guidelines as an insight into the quality of property in an area. What happens when Sydney incomes move more regionally? Why you should never judge regional property by Sydney standards. What are the worst areas to be buying units? What is the news for home finance? Will mortgage brokers dominate in the future when it comes to your home loan? RELEVANT EPISODES:Episode 123 | Martin North Episode 135 | Eliza Owen Episode 140 | Nicola Powell Suburb Analysis (file download) View website:Mangerton (Wollongong), NSW, 2500Beachmere (North Brisbane), QLD, 4510Merewether Heights (Newcastle), NSW, 2291 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] https://www.theelephantintheroom.com.au/podcasts/ST3See omnystudio.com/listener for privacy information.

In this episode we welcome Simon Bligh, CEO of illion. illion is the leading independent provider of data and analytics to the largest industries in Australia and New Zealand, providing insights into the spending behaviour through leveraging their data on over 25 million consumers. Simon gives the wrap on the recent and controversial early access to super, breaking down who made it their fun fund and who took it seriously. Moreover, how the future of banking will be through the free flow of your data between commercial entities, leading the way to better rates and appropriate finance.Here’s what we covered: Should people be taking out their superannuation? How will early super withdrawal impact the economy? What items did people spend their super on? Can you use your super withdrawal as a deposit? Will our spending habits return to normal post Covid? How big has the renovation industry become due to Covid? How much of the property market is mortgaged? What is your credit score? What can you do to improve your credit score? Will open banking benefit you? Will the future of banking charge rates based on the consumers repayment reliability? How open banking and data rights will change how you apply for finance in the future. This weeks Dumbo Knowing that you should refinance but never actually going through the process RELEVANT EPISODES:Episode 123 | Martin North Episode 126 | Stuart Wemyss Episode 132 | Mark McCrindle GUEST LINKS:Alphabeta - illiontracking creditsimple.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 August, 2020. https://www.theelephantintheroom.com.au/podcasts/141See omnystudio.com/listener for privacy information.

We love nothing more than data, data and data, and in this episode we interview Dr Nicola Powell, Senior Research Analyst at Domain, she is at the helm of Domain’s data reports and has appeared in various mainstream media outlets. Nicola delves deep into the search data and behavioural science of buyers and sellers, also giving us tips and tricks on how to utilise Domain data to make better property decisions. Here’s what we covered: How many properties were on the market at a discount? What makes sellers decide to price edit? How many properties are sold through private treaty? Why the Australian market is made up of thousands of micro markets. What macro data should home buyers be looking for? How many properties are currently transacting? Is the fear of a second lockdown in Sydney impacting the supply of property? What are buyers searching for in their future property? What areas are people searching for the most? What data is Domain harvesting from you? This weeks Dumbo: Falling in love with a property that has transacted several times in a short period of time RELEVANT EPISODES:Episode 123 | Martin North Episode 125 | Damien Cooley Episode 133 | Alice Stolz Domain Reports:House Price Report Healthy 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.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 August, 2020. https://www.theelephantintheroom.com.au/podcasts/140See omnystudio.com/listener for privacy information.

From meeting rooms at midday to digital boardroom online, we interviewed Lisa Dowie, chief customer officer at PEXA. PEXA has been instrumental in delivering new tech solutions to the outdated property market by connecting all the stakeholders in the transaction. In this episode we discuss how the paper trail ends with PEXA and how the complete digital property transaction is just around the corner. Here’s what we covered: What is PEXA and how do they improve standards in the property transaction? How PEXA has reduced the amount of delayed settlements across Australia. Which states will receive PEXA support next? Has PEXA benefited from COVID in streamlining their product? What were some of the problems associated with digitising documents? What happens if one part of the transaction refused to use PEXA? How digital products are combating digital crimes. Why getting a survey done is crucial. This weeks Dumbo: Not having all of your paperwork in order for the property transaction RELEVANT EPISODES:Episode 125 | Damien Cooley Episode 116 | Alison Lacey Episode 95 | Craig Bigelow GUEST LINKS:Pexa - Homepage Pexa Key - App 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 weirdnessThis episode was recorded in August, 2020. https://www.theelephantintheroom.com.au/podcasts/139See omnystudio.com/listener for privacy information.

Welcoming back Director of Research of The Demographics Group, Simon Kuestenmacher. Simon was a guest back in Episode 40 where he outlined the potential problems of Australia's aging population and the current population growth. In this episode we breakdown the impact of COVID on society, specifically how our behaviours and attitudes to work have adjusted and ultimately understanding how this will translate into what people buy in the future to accommodate societies new lifestyle needs. Here’s what we covered: Will we feel the effects of COVID for years to come? What will happen to the inner cities around Australia? Will big business continue to have CBD based offices or will they adapt? What is the trend in businesses working from home? What are the pros and cons of working from home? Why will having an additional room be crucial for working from home? When will the fringes of each city's CBD see growth due to the WFH movement? What will be the biggest demographic changes in Australia? How might migration return to normal? Will reverse mortgages become more prominent? This weeks Dumbo: Purchasing a one bedroom apartment RELEVANT EPISODES:Episode 40 | Simon Kuestenmacher Episode 132 | Mark McCrindle Episode 133 | Alice Stolz 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 August, 2020. https://www.theelephantintheroom.com.au/podcasts/138See omnystudio.com/listener for privacy information.

Every week we chat about Australia's major property markets, but how does Canberra compare and what are its growth prospects? In this episode we speak with Canberran Claire Corby, one of the only buyers agents to work exclusively in Canberra. We discuss the interesting caveats of owning property in Australia's capital city, how has Canberra’s market held up during Covid and what direction is trending towards; will it boom or will it bust? Here’s what we covered: How has the Canberra property market held up during COVID? Why has there been a massive disparity in demand for housing and apartments? Why Canberra's property market continues to smash suburb price records during COVID How have developers shifted in offloading the oversupply of their new builds? Why the majority of Canberra property is Leasehold not freehold. The weird quirks and caveats of owning property in Canberra? What happens with the suburbs that border NSW and ACT? What makes a scarce property in Canberra? Where are the prestige, blue chip suburbs of Canberra? This weeks Dumbo: Outbidding yourself in Canberra or choosing not to pursue properties because they are going to Auction RELEVANT EPISODES:Episode 135 | Eliza Owen Episode 133 | Alice Stolz Suburb Trends, July 2020 GUEST LINKS:LinkedIn - Claire Corby Capitalbuyersagency.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, 2020. https://www.theelephantintheroom.com.au/podcasts/137See omnystudio.com/listener for privacy information.

In the 2nd edition of the new monthly report with Kent Lardner of Suburb Trends, our hosts discuss around the current unemployment rate and what areas are most impacted? Which suburbs are the hottest and questioning if they will stay hot post COVID? And weighing in on why certain suburbs, areas and property types will survive the ‘property price falls’ the media keeps banging on about. Here’s what we covered: Quarterly report on small area labour markets. What is the unemployment rate sitting at? How has COVID devastated statistically ‘younger areas’. Why does increasing unemployment in certain sectors not impact the whole economy? Why do hours worked data better represent unemployment? Which suburbs are hot and which are cold? Who is getting pushed out of the market and what suburbs are they going to now? What impact can the percentage of fully owned properties make? Will beach side properties stay at the top? How AirBNB properties in coastal suburbs, shifting to short and long term tenure have boomed. RELEVANT EPISODES:Episode 123 | Martin North Suburb Trends July, 2020 Episode 135 | Eliza Owen GUEST LINKS:Suburb Trends - Website 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 12 August, 2020. https://www.theelephantintheroom.com.au/podcasts/st2See omnystudio.com/listener for privacy information.

You have probably read, heard or participated in the debate that is as old as capitalism, which is the best asset to invest into, shares or property? In this episode we talk with Owen Raszkiewicz founder of Rask Australia, which provides a member only investment advice platform, ASX news and investment insights through articles, podcasts and education. We discuss which of the two assets are better to invest into, how people can start DIY trading and what you should be looking for in quality shares or property. Here’s what we covered: Where do investors get it wrong with share investing? What books should people read to develop better investing habits? How to choose a good fund? What makes a great fund manager? How can we change how we look at money and investing? How to know which company is the best? What are millennials thinking when it comes to shares vs property? Why buying assets isn't about the price spent but long term growth? This weeks Dumbo: Buying 2 studio apartments in Melbourne RELEVANT EPISODES:Episode 134 | Lisa Indge Episode 118 | Pete Wargent Episode 69 | Scott Phillips GUEST LINKS: Free courses (four new courses coming before the end of the year) Podcasts (Investors podcast = more advanced; Finance podcast = beginners - both are good for intermediates) - shout out to Chris' episode with Owen https://education.rask.com.au https://au.linkedin.com/in/owen-raszkiewicz-4035a9b9 https://twitter.com/OwenRask 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, 2020. See omnystudio.com/listener for privacy information.

We can’t get enough of Corelogic's Head of Residential Research and author of Corelogic's recent Pain and Gain Report, Eliza Owen. The quarterly Pain and Gain report details how different properties, regions and cities are performing, including how many have made a profit or loss since the property last transacted. In this episode we understand and interpret the data in Eliza’s report including the possible implication of the trends and how it will correlate to different buyer demographics. Here’s what we covered: How far did property listing fall? How did low interest rates and mortgage pauses slow the need for homeowners to sell? Has Covid benefited the property market? What is the correlation between the unemployment rate and the arrears rate? Which areas had the biggest bounce back in May/June? Why do new properties and units have the greatest share of loss made sales? How have regional properties performed during this period? Why are investors having the majority of loss made sales? How the ACT housing market has held up. Why buying property regionally to benefit off structural changes is a poor property decision. What areas have had the greatest profitability? How has tightening of mortgage lending led to less customers falling into arrears? This weeks Dumbo: Purchasing and renovating a property through a SMSF This weeks elephant riding bootcamp What is vendor discount pricing RELEVANT EPISODES:Episode 81 | Eliza Owen Episode 115 | Eliza Owen Suburb Trends July 2020 GUEST LINKS:Corelogic: Pain and Gain March quarter 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, 2020. https://www.theelephantintheroom.com.au/podcasts/135See omnystudio.com/listener for privacy information.

Welcoming back managing director of Let’s Rent, Lisa Indge, who we spoke with back in Episode 56 about the oversupply of the property market and tips for investors. In this episode Lisa highlights how the investor market has been adversely affected by COVID, and how the mainstream media has been trying to ring bells announcing the myth that the property market is on the verge of ‘collapse’. Here’s what we covered: What types of investor stock was most affected by COVID? Why has the inner city property market had the greatest spike in vacancies? How the exodus of tenants on visas has opened up the rental market? Has the development of new builds added more stock to the current rental market? What is the current vacancy rate? The current legislation around rent relief. What can landlords do now to make their property more tenable? How renter preferences have adapted with the work f? This weeks Dumbo: Buying property without a sink and other appropriate facilities RELEVANT EPISODES:Episode 56 | Lisa Indge Episode 126 | Stuart Wemyss Episode 133 | Alice Stolz 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 3 June, 2020. https://www.theelephantintheroom.com.au/podcasts/134See omnystudio.com/listener for privacy information.

In this episode we go into a deep dive on Domain’s data around changing consumer search patterns with Alice Stolz. Alice is the Managing Editor at Domain and host of Domain's new podcast ‘Property Unpacked’. We discuss why there has been a significant search increase for ‘home office/study, how the work from home movement has unlocked labor mobility and the current transaction rate and what it means. Here’s what we covered: What are some of the biggest changes in search data? What areas are people searching for now? Has preference in terms of house facilities shifted? Which keyword has soared in search data? What makes a great suburb? Will those suburbs most liveable stay the most liveable in the future? Has there been a spike in transactions? Why has the Canberra market stood strong during Covid? What do clearance rates mean? This weeks Dumbo: Why should always have an agreed 'final number' RELEVANT EPISODES:Suburb Trends July, 2020. Episode 115 | Eliza Owen Episode 132 | Mark McCrindle GUEST LINKS:Linkedin: https://www.linkedin.com/company/domain-com-au/ Facebook: https://www.facebook.com/domain.com.au DOMAIN ARTICLES:The regional NSW suburbs where home searches surged during lockdown Snow region house searches surge as locked-down Victorians dream of a winter escape Interstate searches for property skyrocket during coronavirus lockdown, new data shows Interest from Chinese property investors has declined and is likely to remain subdued 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, 2020. https://www.theelephantintheroom.com.au/podcasts/133See omnystudio.com/listener for privacy information.

Welcoming back social researcher and demographer, Mark McCrindle, Founder and Principal of McCrindle, a prominent research house that uses data and trends to create strategies for leading brands and businesses. In this episode our hosts pick the brains of Mark to understand the full extent of Covid-19 and its impact on society and how it has altered consumer behaviours on both micro and macro levels. Here’s what we covered: The similarities between Covid-19 and the past economic crisis. What will potentially happen to the social fabric post Covid? Which generations will adopt new practices and who would be adverse to change? How will zero migration impact property prices? How long until migration goes back to normal rates? Will tourism in Australia bounce back? Will it be restored by domestic tourism? Will the lack in international tourism increase the need for a high-speed rail system? How will the work from home movement take over? Why is it in the first time in a century people per household has increase? RELEVANT EPISODES:Episode 76 | Mark McCrindle Episode 130 | Glen James Suburb Trends July, 2020 GUEST LINKS:Sekisui House - Exploring the benefits of apartment living. CLARA - Is Australia ready for High Speed Rail? The Urban Living Index - Measuring liveability of Sydney 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.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, 2020. https://www.theelephantintheroom.com.au/podcasts/132See omnystudio.com/listener for privacy information.

Starting a new line of monthly episodes for the Elephant in the Room Property Podcast, Veronica and Chris team up with Kent Lardner, Director of Suburb Trends to discuss how different states, regions and suburbs perform; and to break down misconceptions of the property market. This month's Suburbs Trends is all about discussing why different regions perform as they do and the correlation between a suburb's inventory and sales. Here’s what we covered: How many property markets are there? What tools and metrics are used to assess the market? Why is there currently so little stock? What are the 'cold' spots? Why are certain markets flooded with low quality new builds? What property experts should you listen to? How does regional property hold up? How do units hold up against houses? Where are the 'hot' spots? RELEVANT EPISODES:Episode 71 | Kent Lardner Episode 115 | Eliza Owen Episode 123 | Martin North View report 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 on 8 July, 2020. www.theelephantintheroom.com.auSee omnystudio.com/listener for privacy information.

In today's episode our hosts chat with Jessica Brady, financial planner and co-founder of Fox & Hare Financial Advice, which specialises in providing financial advice to young couples and individuals. We discuss the gap between women and men and their financial literacy levels, why you should discuss your financials with your partner and how to find the most appropriate advice. Here’s what we covered: Why women have a lack of confidence in their financial literacy. Why women usually defer their financials to their partner. Why is it crucial to share details of financials with your partner? What happens when men take on more risk than women. How to start talking about money. What honest conversations should you start having with your partner. Why should you be getting financial advice earlier in life? This weeks Dumbo: Using credit cards and personal loans to get the deposit RELEVANT EPISODES:Episode 97 | Jacqui Pollock Episode 111 | Sharon Bradley Episode 130 | My Millennial Money GUEST LINKS:https://www.ladiestalkmoney.com.au/part-oneHome Buyer Academy Facebook Live Q&A for First Home Buyers - Wednesdays at 7.30pmhttps://www.facebook.com/HomeBuyerAcademyAUS/ 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. Send in your questions to: [email protected] omnystudio.com/listener for privacy information.

In this episode, our hosts chat with expert millennial Glen James, financial advisor and podcast host of “My Millennial Money”. Glen’s business and podcast focuses primarily on millennial financial goals and “sorting your money out”. We get the lowdown from Glen on how millennials are achieving their financial goals, what they are doing to save for their deposit and whose advice should they be listening to; is mum and dad’s financial advice enough? Here’s what we covered: How are millennials currently borrowing? Who can you trust to advise you on your money? Why advice from previous generations is out-dated. What is eating up your savings? Why should you ‘lose’ your credit card? How has spending, savings and borrowing changed between generations? Are subscriptions eating up your cash flow? Why you don't need a credit card to build your credit score. Are Millennials locked out of the property market? How to engage the most appropriate professional advice. This weeks dumbo: Why Should you not buy property because you can. Elephant rider boot camp Rentvesting vs dream home RELEVANT EPISODES:Episode 116 | Property & Taxes Episode 124 | Martin North Episode 128 | Trends in property investment GUEST LINKS:Home Buyers Academy - Rentvesting Sort your money out - online course 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 4 June, 2020.See omnystudio.com/listener for privacy information.

If there is new and emerging technology or innovation coming into the global scene Craig Rispin already knows about it. In today's episode we chat with Craig, author, speaker and advisor. Craig and our hosts discuss how the innovations of today and the societal impact of Covid-19 will alter how we purchase and build property in the future; will the work from home movement take over, 3D printed houses to create affordable housing and technology affecting change in all businesses. Here’s what we covered: How Covid-19 brought an age of innovation. How do these new innovations impact the property market What will 5G towers do to property prices? How will printing property in the future impact the construction industry? Will the work from home movement take over? How will commercial property be impacted by the work from home movement? Will companies evaluate the cost of living to determine work from home salaries? How has online shopping shaped since Covid-19? This weeks Dumbo: What happens when you buy property to the GFC in America RELEVANT EPISODES:Episode 118 | Pete Wargent Episode 123 | Martin North Episode 128 | Mike Mortlock GUEST LINKS:Future trends group 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 2 June, 2020. https://www.theelephantintheroom.com.au/podcasts/128See omnystudio.com/listener for privacy information.

Today’s episode is about data, data, and data with Mike Mortlock, who is returning from Episode 60. Mike is the managing director of MCG Quantity Surveyors which recently released granular data on the Australian property market that showcases the unique behaviours of over 1,500 property investors, including how they are investing, what types of property are they investing in, and what are their motivations to invest. Here’s what we covered: What does micro level data say comparison to macro level data on property investors? How many investors live in their property before they rent it? What locations are people investing in the most? The disparity between what people want to live in, compared to what they invest in. What decisions have individual investors made before investing? How many units were being developed back in 2016? Why are developers moving towards more owner-occupier developments? Does depreciation on property matter? How people are getting sold into property that's glitter not gold. Why is capital growth the best reason to invest into property? What has increased in value more, houses or apartments? This weeks Dumbo: The huge costs of buying property without seeking professional advice. RELEVANT EPISODES:Episode 60 | Mike Mortlock Episode 79 | Cat Burgess Episode 123 | Martin North GUEST LINKS:View the data and reports mentioned in todays episode: https://mcgqs.com.au/elephantintheroom.php 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 21 April, 2020. https://www.theelephantintheroom.com.au/podcasts/128See omnystudio.com/listener for privacy information.

In our third Q&A host special, Veronica and Chris answer your need to know questions on various aspects on property and the process of purchasing: Questions: “What are your opinions on different types of investments (Student accommodation, holiday house, home dwelling, Commercial?)” “If you live in the property are you liable to pay land tax? And if so at what value is anyone really exempt from paying land tax? If so, who? And how do you structure your property ownership to avoid paying land tax?” “How does capital gains tax work and what is the 12 month rule? Are there any exemptions to capital gains tax?” “Why do you think yields are lower from family home rentals” “What happens to your assets if your bank collapses” “Is it worth forgoing an offset account to go with a sharper fixed interest rate?” This weeks Dumbo: How having a bad credit rating can destroy your opportunity of purchasing property What happens when you don’t seek out appropriate financial advice RELEVANT EPISODES: Episode 57 | Q&A 1 Episode 98 | Q&A 2 Episode 104 | Build-to-rent Episode 117 | Fool or Forecaster report 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] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.auUse the coupon ELEPHANT for your 30% listener discount. 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 May, 2020. https://www.theelephantintheroom.com.au/podcasts/127See omnystudio.com/listener for privacy information.

Predicting the property market and getting it right doesn’t make you a nostradamus but when you get it right and people want an answer, what do you say? In this episode Stuart Wemyss Director of Prosolution and host of the Investopoly podcast joins us back from Episode 39. Stuart shares insights into how the lending space has tightened up on borrowing, why people are upgrading over investing and how he came to his accurate prediction. Here’s what we covered: How did Stuart get his 2018 forecast? Why are predictions not that reliable? What do the studies show and does it help you invest? Why asset selection is far more important than "getting a good deal". What happens at the bottom of the market? Does your property have the fundamentals that could lead to high capital growth? When should you sell a quality asset? How to become borrower ready? How to maximise your borrowing capacity? How to best manage your spending. How have low interest rates changed investing strategy? Why to always approach the family home as an investment property? MENTIONED EPISODES:Episode 39 | Stuart WemyssEpisode 117 | Dr. Shane OliverEpisode 123 | Martin North GUEST LINKS: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 Article: How important is buying below market value? The largest longitudinal study on forecasts Philip E. Tetlock HOST LINKS: Looking for a Sydney Buyers Agent? www.gooddeeds.com.auWork with Veronica: [email protected] Looking for a Mortgage Broker? www.wealthful.com.auWork with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.auUse the coupon ELEPHANT for your 30% listener discount. 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 5 May, 2020. https://www.theelephantintheroom.com.au/podcasts/126See omnystudio.com/listener for privacy information.

Damien Cooley is one of Australia's most well known auctioneers and is managing director of Cooley Auctions and the founder of AuctionNow, which has been critical in transitioning the real estate market from in-person to online. In today’s episode, we discuss how buyers and sellers have reacted to the restrictions, the technology that has helped transition the market, and eye-opening data, including: clearance rates, region-specific data and utilisation of online tools. Here’s what we cover: How did the covid-19 restrictions affect auctions? With the technology existing for years, how many auctions were run online? Who cancelled their auctions first? How does AuctionNow work with different state legislation? How has the clearance rate changed over the last quarter? Has online auction now been normalised? Why did certain regions not adapt to online auctions? What happened to the vendors who were caught in March? Despite the market being tough, will there always be scarce property for sale? Since open houses are back on, will they go back to the norm? Why is this the best time to get back in the market? Is it off market or is it pre-market How are banks pulling finance from clients days before settlement? How to get ahead in auctions? MENTIONED EPISODES:Episode 1 | Simon Russell Episode 2 | Damien Cooley Episode 115 | Eliza Owen GUEST LINKS:Cooley Auctions AuctionNow Cooley Index 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 13 May, 2020.See omnystudio.com/listener for privacy information.

In today's episode, we move the conversation away from national and global news, to what matters most: your household finances. Back in episode 89 we interviewed Brendan Coates, Household Finances Program Director at the Grattan Institute, and he joins us in this episode to explore the various issues currently affecting households: unemployment, access to super, wages and financial buffers, as well as how the small factors you might not be considering are growing behind the curtain. Here’s what we covered: How many Australians have lost their jobs? With restrictions loosening, who will be going back to work and who won't? Businesses going down the gurgler is more detrimental to the economy than unemployment? What are the long term implications of young professionals being unemployed? Should you access your future? How much does the average Australian have saved? Where should your money be during low interest rates? Who is most protected?` How are companies pivoting their business model to survive the pandemic? How will the government balance the lack of immigration this year for the future benefits? When will the vaccine be available and how will it impact your ability to work? MENTIONED EPISODES:Episode 89 | Brendan Coates Episode 117 | Dr Shane Oliver Episode 123 | Martin North 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 28 April, 2020.See omnystudio.com/listener for privacy information.

After Chris’s numerous appearances on Martin North’s ‘Walk the world’ Youtube channel we finally have brought Martin to our own turf. Martin is the founder of Digital Finance Analytics, a boutique research, analysis and consulting firm, he is one of the most regarded authorities in the research space with several media contributions such as ABC new, AFR and 60 minutes. In this data driven episode, we get down to the question at hand: do you buy or do you sell, what is the data showing, and is it reliable? Find out if people are borrowing too much, what properties are beating the downturn and how are individuals discovering the opportunity. Here’s what we covered: How are the 1000 households surveyed every week reflective of Australia? How did Martin enter into the finance commentary arena? What patterns are showing which suburbs are going up and which are going down. How are the 250,000 first home buyers (per year) finding ways to enter the market? Why newly built properties are at the greatest risk. How is the data segmented to better reflect real profiles? Will there be low or high capital growth over the coming years? Are we reaching our 'peak debt'? How many properties are vacant in Australia? Why is there simultaneous oversupply and undersupply in the market? What happens now since migration is zero? MENTIONED EPISODES:Episode 103 | Amanda Farmer Episode 113 | Dr. Nicole Johnson GUEST LINKS:DFA - Blog - Youtube Article 1 Mapping Mortgage Stress Article 2 Housing price falls and negative equity 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.auUse the coupon ELEPHANT for your 30% listener discount. 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 23 April, 2020. https://www.theelephantintheroom.com.au/podcasts/123See omnystudio.com/listener for privacy information.

In this special episode we bring back John Cunningham, Principal Director of Cunninghams, a successful and established real estate agency based in the Northern Beaches. John has a well earned reputation by experiencing all aspects of the property market; buying, selling, advising and investing. We sit down to discuss the state of the real estate market during the pandemic including how all of the changes have impacted buyers and sellers, getting cold feet or becoming hot to trot, and on the other side, how agencies have taken these challenges and restrictions head on delivering a service that has adapted to the situation. Here’s what we covered: Are real estate agents equipped to be trusted advisors? How are real estate firms finding the lockdown laws? What are agents doing to ensure clients safety? Is the gatekeeper mentality helping or damaging the real estate market? Why has the pandemic been a wake up call for the property market? Still in the market? What should you do? Timing, wait another year or action now? Is there a conflict of interest with agents giving advice? What should property managers be doing during the pandemic? How much of the real estate market has dried up? How are agents pre-qualifying their clients? How are sellers dealing with their property under inspection? MENTIONED EPISODES:Episode 12 | John CunninghamEpisode 120 | Michael Yardney GUEST LINKS:REIA - Home Cunninghams 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.auUse the coupon ELEPHANT for your 30% listener discount. 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 4 April, 2020. Visit the websiteSee omnystudio.com/listener for privacy information.

Have you wondered how properties are valued and who has the authority to value them? In this episode we speak to veteran valuer Bart Mead, Executive Director of JLL Valuations and Advisory. Bart has 30 years of providing property advice to financial institutions, the government and private individuals. We sit down to discuss the current state of property valuations: how they work, what factors impact the value of a property, and where the future of valuations will be - automated, cheaper and with a click of a button? Listen in to find out. Here’s what we covered: Why valuations underpin the financial system and the greater economy? How do valuations give the buyer confidence after purchasing? Will valuation in the future be done prior to purchase? Will automated valuations be the future for property purchasers? Do valuations vary greatly? What are the different types of valuations? What's the process of banks picking valuers? How will the Covid-19 Pandemic impact how property is valued? How much do banks dictate how valuation should be done? Could you take a valuer to court for under/over valuing property? How do valuers treat off-the-plan property? MENTIONED EPISODES:Episode 62 | Cecille Weldon Episode 120 | Michael Yardey 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] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.auUse the coupon ELEPHANT for your 30% listener discount. 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 16 April, 2020.See omnystudio.com/listener for privacy information.

In our first podcast mashup, we collaborate with Michael Yardney, founder of Metropole Property Strategists and host of the Michael Yardney Podcast. From buying, selling and advising we hear about how the “front-line” of property are dealing with the Covid -19 pandemic and we sit down to discuss which ‘experts’ should you listen to and how you should be timing your property movements around the current economic climate.Stick around as this will be packed full of relevant information for those currently seeking, purchasing or those wondering if now is the time to dip a toe in. Here’s what we covered: The difference between a good and bad investor What are current investors thinking? Which is a better yield or growth? Which expert’s market predictions can you trust? Better yield or better tenant? How are banks assessed during the Covid-19 pandemic? Why the property market will survive the pandemic How will industries adapt? Will there be greater globalisation or greater localisation? Will owner occupier demand increase due to the virus? What properties in Melbourne that will thrive in the pandemic? What is a good development? GUEST LINKS:Michael Yardney’s Property Update Michael Yardney Podcast Metropole Property Strategists MENTIONED EPISODES:Episode 114 | 2020 Fool or Forecaster reportEpisode 115 | Eliza Owen 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. 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 is recorded on 9 April, 2020. View Episode 120 HERESee omnystudio.com/listener for privacy information.

In this special episode, Veronica interviews our co-host Chris Bates, financial adviser, mortgage broker and the founder of Wealthful, a boutique financial firm that assists couples and families to secure bespoke financial products. Over the last 20 years, individuals and families have been increasingly opting to obtain their finance through mortgage brokers (over 60%) rather than go through a bank. Chris discusses this current trend and where the benefits lie when choosing a broker over a bank. Here’s what we covered: Broker vs private banker? Are you with the most appropriate bank? Why are you limited to going directly to the bank? Are you dealing with the real talent at your bank? How the banks have discriminated against industries? Bank Policies how often are they changed? How long are bankers turn around times Can you use a broker to get a better rate at your bank? Which banks don't use brokers? How to find a good broker? What questions to ask your broker? MENTIONED EPISODES:Episode 53 | Jennie Tonner 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.au Work with Chris: [email protected] Buy the book - AUCTION READY How to buy property at auction even though you’re scared s#!tless:www.getauctionready.com.au Use the coupon ELEPHANT for your 30% listener discount. EPISODE TRANSCRIPT: Please note that this has been transcribed by half-human-half-robot, so brace yourself for typos and the odd bit of weirdnessThis episode was recorded on 26 March, 2020. https://www.theelephantintheroom.com.au/podcasts/119See omnystudio.com/listener for privacy information.