Talk Property To Me Podcast

Welcome to Talk Property To Me – your go-to channel for everything related to real estate, finance and property investment. Dive deep with us as we chat about the property market, offering expert insights, practical tips, and real-life experiences. Whether you’re a first-time buyer, seasoned investor, or simply property-curious, we’re here to break down the jargon and chat about the world of bricks and mortar. Join us for engaging discussions, interviews with industry professionals, and success stories from the property realm. Don’t forget to subscribe and become a part of our growing community, where property talk never stops! JOIN OUR FACEBOOK GROUP AND GET EXCLUSIVE CONTENT ABOUT ALL THINGS FINANCE & PROPERTY IN AUSTRALIA → https://www.facebook.com/groups/talkpropertytome

Australia’s 2026 Property FORECAST: Where Prices Will BOOM (and Drop) 06/27/2025

5 PROPERTIES Under $650K You Can Buy RIGHT NOW in Australia! 06/20/2025

Top 6 Newcastle Suburbs to INVEST in 2025 06/12/2025

If You're a First Home Buyer, You're 100% Making These Mistakes (Australia 2025) 05/27/2025

If You're a First Home Buyer, You're 100% Making These Mistakes (Australia 2025) Buying your first home in Australia? Chances are, you're making at least one of these costly mistakes — and it could be the difference between getting approved or getting rejected, overpaying or negotiating like a pro. In this episode of Talk Property To Me, we unpack the most common (and avoidable) first home buyer mistakes we see every week in 2025: ✅ How to clean up your bank statements before applying for a loan ✅ Why showing too much emotion at open homes can backfire ✅ The #1 thing you should never tell a real estate agent ✅ What to expect (and not expect) when buying older homes ✅ Why you shouldn’t blindly trust the agent’s pest and building report ✅ What to know before buying property with a friend Whether you're looking to buy in Sydney, Melbourne, Brisbane or regional Australia — this episode is packed with first home buyer tips, real-world insights, and things your mortgage broker wishes you knew before making an offer. 🎯 Perfect for: First home buyers in Australia, 2025 property market watchers, and anyone trying to avoid rookie real estate mistakes. About The Hosts Brad East Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → Isaiah Huthnance Isaiah specialises in helping first home buyers get into the market sooner. With a reputation for cutting through the jargon and making the home loan process simple, Isaiah takes all the hard work out of securing finance for first home buyers. He helps first time buyers navigate government schemes, low deposit options, stamp duty exemptions, and even guarantor loans, making what feels out of reach suddenly possible. His clients know him for straight answers, quick turnarounds, and personalised advice. Links: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/36722245

Australia Election 2025: What It Means for the Property Market 05/01/2025

Australia Election 2025: What It Means for the Property Market In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the potential impact of Australia’s upcoming federal election on the housing market, lending conditions, and investor confidence. From proposed tax reforms to housing affordability policies, they explore what a change in government—or a mandate to stay the course—could mean for everyday buyers, sellers, and property investors. 🔍 What You’ll Learn: ✅ Key election policies that could reshape the real estate landscape ✅ How political uncertainty affects buyer behavior and market sentiment ✅ What first-home buyer incentives may look like under each party ✅ Investor tax treatment: What might change and how to prepare ✅ Rental market pressures and what candidates plan to do about it ✅ How election results can influence RBA decisions and interest rates ✅ Opportunities for savvy investors during election cycles 📉 Key Insight: Political cycles often cause market hesitation—but for informed investors, they can present rare buying opportunities and long-term advantages. 💬 Are we heading toward a more regulated or investor-friendly housing future? Brad and Aaron weigh in on the latest election talk. ⏰ Timestamps: – Introduction and Overview – Political Uncertainty and Buyer Sentiment – Key Election Housing Promises – Investor Policy Changes: Gearing & CGT – Rental Crisis & Affordable Housing – Post-Election RBA and Rate Forecast – Buyer Hesitation and Timing the Market – First-Home Buyer Scheme Comparisons – Investor Strategy in Election Cycles – SMSFs Amid Policy Shifts – Capital Gains Tax Planning – Election Night: What to Watch – Final Thoughts & Takeaways 🎙 ABOUT THE HOSTS 🔹 Brad East – Award-winning mortgage broker & founder of Wisebuy Home Loans. Known for helping Aussies secure finance when the banks say no. 🌐 Website → 🔗 LinkedIn → 📷 Instagram → 👍 Facebook → 🔹 Aaron Downie – Property strategist & director of Mackenzie Buyers Agency. A seasoned investor helping others build smart, resilient portfolios. 🌐 Website → 🔗 LinkedIn → 📢 Subscribe for more actionable insights on Australia’s property and economic landscape! /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/36382320

Trumps Tariffs and How It Will Affect The Australian Property Market 04/28/2025

Trumps Tariffs and How It Will Affect The Australian Property Market In this episode of Talk Property To me, hosts Brad East and Aaron Downie explore the impact of Trump's tariffs on the Australian property market and self-managed super funds (SMSFs). We begin by discussing Trump's use of tariffs as a negotiation tool, particularly with China and the U.S., and how these policies have led to significant volatility in global markets, including a $71 billion loss in the ASX. While the direct effects on Australia have been limited, we highlight the challenges faced by Australian e-commerce businesses reliant on Chinese goods now subject to steep tariffs. The conversation shifts to the property market, where we discuss the Reserve Bank of Australia's (RBA) focus on stimulating the economy, which may lead to anticipated interest rate cuts. We explain how these cuts could benefit homeowners and potential buyers by driving property prices up. We also advocate for the advantages of SMSFs in property investment, comparing potential returns from real estate to traditional industry funds. We outline the steps to set up an SMSF and emphasize the importance of viewing initial costs as an investment in future wealth. Finally, we touch on the potential effects of tariffs on the Australian dollar and foreign investment, and we tease our next episode, which will cover recent changes in zoning laws that could simplify building approvals. Join us for this insightful discussion on navigating the intersections of global trade, local property markets, and investment strategies for your financial future. 00:00:00 - Introduction and Overview Welcome back to Talk Property Toomey, discussing Trump's tariffs, property, and self-managed super fund opportunities. 00:00:23 - Rate Cut Predictions Exploring the latest predictions on interest rate cuts and their implications for listeners. 00:00:39 - Trump's Tariffs and Economic Impact Discussion on Trump's use of tariffs as a leverage tool and its effects on the global economy. 00:01:50 - Direct and Indirect Effects on Australia Analyzing the limited direct impacts on Australia and the indirect effects on trade with China and Japan. 00:03:44 - E-commerce Challenges Impact of tariffs on Australian e-commerce stores reliant on Chinese goods for exports to the US. 00:05:00 - Market Volatility and Property Investment The significant capital loss in the ASX and the stability of property as an investment. 00:05:49 - RBA's Shift in Focus The RBA's change from worrying about inflation to stimulating the economy through potential rate cuts. 00:06:39 - Panic Selling in Stock Markets Understanding the effects of panic selling on market stability and individual investment strategies. 00:07:43 - Self-Managed Super Funds vs. Industry Funds Exploring the benefits of self-managed super funds and property investment over traditional industry funds. 00:09:48 - Compounding Growth in Property The advantages of property investment in self-managed super funds and its long-term growth potential. 00:10:57 - Setting Up a Self-Managed Super Fund Steps to establish a self-managed super fund and the importance of commitment in the process. 00:12:10 - Cost vs. Opportunity in Investments Encouraging a focus on long-term wealth creation rather than immediate costs associated with setting up a fund. 00:12:21 - Current Cash Rate and Future Predictions Discussion on the current cash rate and predictions for future rate cuts by the RBA. 00:13:25 - Impact of Rate Cuts on Home Loans How potential rate cuts could affect home loan repayments and savings for homeowners. 00:15:15 - Negotiating with Lenders Advice on keeping banks accountable and negotiating better rates for home loans. 00:15:48 - Foreign Investment and the Australian Dollar Potential impacts of tariffs on the Australian dollar and implications for foreign investment. 00:16:12 - Upcoming Topics on Zoning Laws Preview of the next episode discussing changes in zoning laws and building approvals. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/36335335

How to Build $500K in Passive Income by Investing in Commercial Property (In Just 7 Years!) 04/16/2025

How to Build $500K in Passive Income by Investing in Commercial Property (In Just 7 Years!) In this episode of Talk Property To Me, hosts Brad East and Aaron Downie dive into the world of commercial real estate with Steve Palise, Australia’s top commercial property expert. Discover whether commercial investing is the key to passive income or a hidden risk—and learn how to navigate this lucrative market. 🔍 What You’ll Learn: ✅ Residential vs. Commercial – Which offers better cash flow and capital growth? ✅ Lease Structures & Net Yields – Why tenants cover all outgoings (unlike residential). ✅ Deposit Hurdles & Finance – Why 30-35% deposits are standard (and how lease-stock loans unlock endless deals). ✅ Industrial vs. Retail vs. Office – Safest asset types (and red flags to avoid). ✅ Vacancy Risks – Strategies to minimize vacancies (hint: industrial dominates Sydney’s 0% vacancy zones!). ✅ Value-Add Goldmines – From mezzanine floors to multi-tenancy splits (boost returns without guesswork). ✅ Who’s It For? – Newbies vs. seasoned investors: Who should take the plunge? ✅ Real-Deal Case Study – Steve’s $3.1M shopping centre (yielding $100K/year passively). 📉 Myths Busted: ❌ “Commercial doesn’t grow” – Steve proves it matches residential growth (with 3x rent!). ❌ “Too risky” – Not in high-demand areas (e.g., Sydney’s industrial hubs). 💡 Key Insight: Commercial property can fast-track financial freedom—if you avoid rookie mistakes. Steve shares how to build a portfolio that pays you. 🔗 Free Resources: Grab Steve’s books & 10-hour course (CommercialPropertyInstitute.com). 💬 Your Turn: Should you pivot from residential to commercial? Comment below! ⏰ Timestamps: 00:00 – Intro to Commercial Investing 02:10 – Residential vs. Commercial: Cash Flow Showdown 05:25 – Lease Secrets (Tenants Pay Everything!) 08:40 – Deposits & Lease-Stock Loans Demystified 12:15 – Best/Worst Assets (Industrial Wins, Retail Risks) 16:40 – Vacancy-Proof Strategies (Buffer Funds, Location Hacks) 20:20 – Value-Add Masterclass (Mezzanines, Splitting Tenancies) 25:05 – Who Should Invest? (Spoiler: Not Just Experts) 28:50 – Case Study: $3.1M Shopping Centre ($100K/Year Passive) 32:00 – Free Tools & Final Tips 🎙 Featured Guests: 🔹 Steve Palise – Founder of Palise Property, commercial buyer’s agent, and author of Commercial Property Investing series. 🌐 https://www.paliseproperty.com/ | 📚 CommercialPropertyInstitute.com 🔹 Brad East – Award-winning mortgage broker (Wisebuy Home Loans). 🌐 Website → https://wisebuygroup.com.au 🔗 LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ 📷 Instagram → https://www.instagram.com/bradeast_mortgagebroker/ 👍 Facebook → https://www.facebook.com/bradeastofficial 🔹 Aaron Downie – Property strategist & buyers agent (MacKenzie Buyers Agency). 🌐 Website → https://www.mackenziepropertygroup.com.au/ 🔗 LinkedIn → https://www.linkedin.com/in/aaron-downie-1b2749134/ 📢 Subscribe for actionable property insights! #CommercialProperty #PassiveIncome #PropertyInvesting #RealEstateAustralia /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/36181650

Rental Market Crashing In 2025? Here's What You Need To Know 03/19/2025

Rental Market Crashing In 2025? Here's What You Need To Know In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest rental market trends in Australia for 2025. With rental prices dropping in key areas across Sydney, Brisbane, and Melbourne, what does this mean for renters and landlords? We analyze the PropTrack report from September 2024, which reveals that many Local Government Areas (LGAs) in Sydney are now seeing renters paying below advertised rents. Suburbs like Woollahra, North Balgowlah, and McLeod (Melbourne) have experienced significant rent declines, while Brisbane’s rental prices have dropped by 5-7%. 🔍 Key Topics Covered: ✔️ Why rental prices are falling in 2025 📉 ✔️ Sydney rental market update – suburbs seeing major drops 🏡 ✔️ Brisbane’s rental decline – what’s driving the shift? 🌆 ✔️ How renters can negotiate better lease renewals 💰 ✔️ Impact on first-home buyers & future property trends 🏠 ✔️ Will rental prices continue to drop in 2026? 🔮 As the market stabilizes after years of rent gouging and high demand post-COVID, we explore what’s next for tenants and landlords. If you’re renting or considering buying, this episode is packed with insights and strategies to help you navigate the evolving property landscape. 🔔 Subscribe for more property market insights & expert analysis! 00:00:00 - Introduction to the Rental Market in 2025 00:00:13 - Decline in Rental Prices 00:01:02 - Impact of COVID-19 on Rental Demand 00:02:28 - Market Stabilization and Current Trends 00:03:48 - Regional Insights: Sydney and Brisbane 00:05:08 - Melbourne and Adelaide Rental Trends 00:06:51 - Future Predictions for the Rental Market 00:07:39 - Vendor Expectations vs. Market Reality 00:08:53 - Advice for Renters: Negotiating Leases 00:10:45 - Invitation for Property Managers to Join the Discussion ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/35740920

How Much Do Rate Cuts Affect Borrowing Power 03/18/2025

How Much Do Rate Cuts Affect Borrowing Power Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive deep into the impact of recent RBA rate cuts on your borrowing capacity and mortgage repayments. We kick things off by discussing the common sentiment we've heard from potential buyers: "I'm going to wait for rates to go down before I make a purchase." We aim to break down this mindset and illustrate the opportunity cost of waiting in the current market. To provide context, we present a simple case study featuring a couple with no children, each earning $80,000 annually. Using a Big 4 lender as our example, we analyze how a recent rate cut from 6.18% to 5.93% increased their borrowing capacity by $17,000, bringing it to $799,000. While this is a positive change, we highlight that property values have been rising, with a typical Newcastle property increasing by 5% this year alone. This means that waiting for a rate reduction could actually cost buyers more in the long run, as property prices continue to climb. We also speculate on the potential for another rate cut, which could further increase borrowing capacity to $820,000. However, we emphasize that many homeowners may not even be aware of their current interest rates, with over 41% of Australians not knowing what they are paying. We challenge our listeners to check their rates and consider the significant savings that could be achieved by refinancing. Throughout the episode, we stress the importance of acting promptly in the property market. We discuss the compounding effect of property investment and how waiting for the "perfect" moment can lead to missed opportunities. We encourage listeners to adapt to the current market conditions and make informed decisions based on their borrowing capacity. As we wrap up, we provide insights into how rate reductions affect mortgage repayments, illustrating the savings across various loan sizes. We also share tips on how to negotiate better rates with banks and the importance of not being loyal to lenders who may not have your best interests at heart. Join us as we unpack these critical topics and empower you to take control of your property journey. Don't forget to reach out to us on social media with your questions or comments—we're here to help! Thank you for tuning in, and we look forward to seeing you in the next episode! 00:00:00 - Introduction to RBA Rate Cuts and Borrowing Capacity 00:00:13 - Opportunity Cost of Waiting to Buy 00:00:34 - Case Study: Borrowing Capacity of a Couple 00:01:23 - Impact of Rate Cuts on Borrowing Capacity 00:02:35 - Market Growth vs. Increased Borrowing Capacity 00:03:38 - The Importance of Knowing Your Interest Rate 00:04:46 - The Cost of Waiting to Buy Property 00:06:48 - Adapting to the Current Market Conditions 00:08:08 - Understanding Compounding in Property Investment 00:09:14 - Investing for the Long Term 00:10:16 - Avoiding Ego-Driven Investments 00:10:27 - Effects of Rate Reductions on Loan Repayments 00:11:07 - Savings from Rate Reductions Explained 00:12:20 - The Importance of Knowing Your Current Rate 00:13:07 - Negotiating with Your Bank for Better Rates 00:14:01 - Understanding Bank Loyalty and Discounts 00:15:02 - The Role of Algorithms in Bank Rate Adjustments 00:16:18 - Avoiding Loyalty to Banks 00:17:17 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/35540210

Navigating the Melbourne Property Market: Insights with Emily Wallace 02/23/2025

Navigating the Melbourne Property Market: Insights with Emily Wallace In this episode of "Talk Property," hosts Brad East and Aaron Downie welcome Emily Wallace, a seasoned buyers' agent based in Melbourne, to discuss the dynamic property market in the city. With a focus on the current trends, challenges, and opportunities, Emily shares her insights on the Melbourne real estate landscape, particularly for first-time home buyers and investors. Key Highlights: Introduction to Emily Wallace: Emily introduces herself as the director of a buyers' agency in Melbourne, where she assists first-time buyers and families in navigating the property market. She emphasizes the importance of location, accessibility to the city, and proximity to good schools in the buying process. Market Overview: The conversation delves into the historical capital growth trends in Melbourne over the past 20 years. Emily notes that while the market has experienced fluctuations, the overall trajectory has been upward, particularly in sought-after areas. Current Market Dynamics: Brad and Aaron discuss the recent population growth in Melbourne, which has seen an influx of residents from other states, particularly Sydney and Brisbane. Emily highlights the affordability factor that draws people to Melbourne, where property prices are significantly lower than in Sydney. First-Time Buyers vs. Investors: Emily reveals that about 70% of her clients are first-time buyers, with the remaining 30% being upsizers and downsizers. She explains that while first-time buyers are primarily focused on lifestyle, they also consider the investment potential of their properties. Property Types and Trends: The discussion shifts to the types of properties that are currently in demand. Emily points out that unrenovated villa units and townhouses are particularly appealing to buyers looking for value and potential for capital growth. She also addresses the oversupply of poorly designed apartments and the need for more medium-density housing. Challenges in the Market: The hosts and Emily discuss the challenges posed by rising rents and the desire for stability among renters. Many first-time buyers are opting to purchase homes to secure their living situation rather than continuing to rent. Future Outlook: Emily shares her thoughts on the future of the Melbourne property market, emphasizing the need for developers to focus on building the right types of properties to meet demand. She also discusses her plans for her agency, including growing her team and setting industry benchmarks for buyers' advocates. Practical Tips for Buyers: Emily offers practical advice for potential buyers, including the importance of researching neighborhoods and speaking to current residents to gauge the community vibe. She also highlights the significance of having a clear plan and understanding one's goals before making a property purchase. This episode is packed with valuable insights for anyone interested in the Melbourne property market, whether you're a first-time buyer, an investor, or simply curious about the trends shaping the industry. Join us as we unpack the complexities of property buying in one of Australia's most vibrant cities! 00:00:00 - Podcast Introduction 00:01:12 - Emily's Background 00:02:40 - Market Trends 00:03:43 - Client Demographics 00:05:25 - Current Market Conditions 00:06:36 - Affordability Trends 00:08:46 - Lifestyle Preferences 00:10:35 - Rent Vesting vs. Owner Occupation 00:12:23 - Neighbor Relations 00:16:42 - Supply and Demand Issues 00:20:01 - Investment Opportunities 00:22:34 - Renovation Potential 00:24:44 - Future Plans 00:25:45 - Contact Information 00:27:25 - Podcasting Insights 00:29:12 - Networking Importance 00:31:20 - Industry Reflections /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/35398985

Interest Rate Predictions: Will We See a Cut This February? 02/06/2025

Interest Rate Predictions: Will We See a Cut This February? Welcome back to another insightful episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the current economic landscape in Australia, focusing on the latest trends in inflation and interest rate predictions. We kick off the discussion by examining the recent decline in Australia's inflation rate, which has dropped to 2.5% in the December quarter from 2.8% in the previous quarter. We break down the components of inflation, distinguishing between goods inflation (currently at 0.8%) and services inflation (still high at 4.3%). We clarify what constitutes goods inflation—physical items like groceries, fuel, and building costs—and services inflation, which includes non-physical items such as rent, healthcare, and education. As we explore the factors influencing these inflation rates, we highlight the impact of supply chain issues, global oil prices, and labor costs. We discuss how recent wage increases, driven by government policies, have led to higher operational costs for businesses, which in turn affects consumer prices. We also touch on the effects of the COVID-19 pandemic on sectors like education, particularly regarding the influx of foreign students. The conversation shifts to the rental market, where we note early signs of decreasing rental prices, which could significantly impact overall inflation figures. We emphasize the importance of rent as a substantial component of services inflation and how its decline could lead to a more favourable economic environment. We then delve into the implications of potential interest rate cuts, particularly the 80% market odds for a 0.25% rate cut in February 2025. We discuss how lower interest rates could enhance affordability for first-time buyers and stimulate growth in the property market. However, we caution that waiting for these reductions might lead to missed opportunities as property values may rise in the interim. In addition, we analyse the broader economic context, including the influence of U.S. market trends on Australia and the potential impact of the upcoming election on government spending and inflation. We break down the differing approaches of the Labor government and the opposition, highlighting how changes in government policy could affect inflation levels. As we wrap up, we encourage listeners to take proactive steps in negotiating rent reductions and mortgage rates, emphasizing the importance of communication with landlords and banks. We conclude on a hopeful note, suggesting that the economic outlook for 2025 and beyond appears promising, with signs of recovery and growth on the horizon. Join us for this engaging discussion, and as always, we welcome your feedback and topic suggestions for future episodes. Catch you next time on Talk Property To Me! 00:00:00 - Introduction to Inflation and Interest Rates in Australia 00:00:10 - Current Inflation Rates Overview 00:00:27 - Understanding Goods vs. Services Inflation 00:00:40 - Headline Inflation Figures Explained 00:01:43 - Impact of Goods Inflation on Retailers 00:02:04 - Services Inflation and Its Drivers 00:02:42 - COVID-19's Effect on Education Sector Prices 00:03:28 - Childcare Costs and Insurance Implications 00:04:35 - Rental Prices and Their Impact on Inflation 00:05:00 - Potential Decrease in Rental Prices 00:05:23 - Effects of Rate Cuts on Property Buyers 00:05:53 - Bank Predictions and Fixed Rates 00:06:17 - Understanding Bank Strategies with Fixed Rates 00:07:06 - Global Economic Influences on Australian Inflation 00:08:41 - Local Factors Affecting Interest Rates 00:09:10 - Historical Trends: Australia Following the U.S. 00:10:47 - Political Landscape and Its Economic Implications 00:11:20 - Odds of a Rate Reduction in February 2025 00:12:15 - Arguments For and Against Rate Cuts 00:12:40 - Impact of Rate Cuts on Rental Markets 00:13:34 - Negotiating Rent Reductions as a Tenant 00:14:17 - Wrap-Up: Future Economic Outlook 00:14:58 - Conclusion and Additional Resources ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/35169810

7 Australian Property Market Trends You Can't Ignore In 2025 01/19/2025

7 Australian Property Market Trends You Can't Ignore In 2025 Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into seven significant trends reshaping the property market as we look ahead to 2025. We kick off the discussion by highlighting the rise of millennials as the largest adult cohort in Australia. This demographic shift is crucial as millennials have different preferences compared to previous generations, particularly when it comes to property. They are leaning towards smaller homes closer to urban centers, which ties into our fourth trend: shrinking backyards. We explore how the desire for lifestyle options and proximity to amenities is influencing property demand and supply dynamics. Next, we discuss the concept of stepping stones in home ownership. With the market becoming increasingly challenging to navigate, many are opting for smaller apartments or townhouses as a way to enter the property market, rather than waiting to save for their dream home. We emphasize that for first-time buyers, this is often just the beginning of their property journey. We then delve into new pathways for home ownership, including government schemes aimed at assisting first-time buyers. While we acknowledge the potential of co-buying and rent-to-own models, we express scepticism about their long-term viability as primary market drivers. Instead, we highlight the importance of investment strategies that allow buyers to explore properties in different locations, potentially leading to better long-term outcomes. As we move through the trends, we touch on the growing demand for green homes. With millennials increasingly conscious of climate change and energy costs, features like solar panels and smart home technology are becoming essential for many buyers. We discuss how these elements can significantly impact property value and buyer interest. The conversation shifts to urban sprawl, where we note that metropolitan areas are expanding outward. This trend is largely driven by affordability, as buyers seek homes that offer a balance between distance from the city and access to amenities. Finally, we address the rise of renters in the current market. With home ownership rates declining, we see a growing number of renters, which presents unique opportunities for property investors. We discuss how this trend can drive up rental returns and create a competitive landscape for investment. In conclusion, we summarize these seven trends and encourage our listeners to consider them when developing their property strategies for the coming year. We invite feedback and suggestions for future topics, reminding everyone to like, subscribe, and join us for our next episode. Thank you for tuning in! 00:00:00 - Introduction to Property Trends 00:00:13 - Millennials as the Largest Adult Cohort 00:01:14 - Stepping Stones to Home Ownership 00:02:11 - New Pathways for First-Time Buyers 00:04:12 - Shrinking Backyards and Lifestyle Preferences 00:05:42 - Demand for Green Homes 00:07:03 - Urban Sprawl and Affordability 00:08:00 - Rise of Renters and Investment Opportunities 00:08:31 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34908420

2024 Property Market Wrap-Up: Insights and Trends 12/30/2024

2024 Property Market Wrap-Up: Insights and Trends Welcome back to another episode of Talk Property to Me! I'm your host, Aaron Downie, and alongside me is my co-host, Brad East. In this episode, we dive into a comprehensive wrap-up of the property market for 2024, discussing the performance of major capital cities and regional centres across Australia over the past year. We kick things off by addressing the financial landscape, noting that the cash rate has remained unchanged at 4.3% since November 2023. This stability has led to a rather uneventful year in terms of interest rates, yet we highlight some remarkable growth in property values, particularly in Perth, which saw an impressive increase of up to 30%. We also discuss the significant drop in inflation and the recent decision by the Reserve Bank of Australia (RBA) to split its board into two separate entities—one focusing on monetary policy and the other on government spending. This change aims to create a more balanced approach to managing inflation without penalizing homeowners. As we delve deeper into the property market, we analyse the annual growth rates across various cities. Sydney experienced modest growth at 3.3%, while Melbourne faced a decline of 2.3%. In contrast, Brisbane thrived with a 12.1% increase, and Adelaide saw a remarkable 14% growth. Perth's performance was particularly noteworthy, with a total growth of 21%. We also touch on the performance of regional areas, highlighting significant growth in places like Townsville and the York Peninsula. Throughout the episode, we emphasize the impact of affordability on property values, noting that more affordable cities and regions have outperformed their pricier counterparts. We also discuss the trend of units performing better than houses due to affordability issues. As we wrap up our analysis, we reflect on the overall market dynamics, noting that while interest rates have remained stable, the property market has shown resilience and growth in various areas. We conclude by teasing our next episode, where we will share our predictions for 2025, and encourage our listeners to engage with us on social media for a chance to win a $250 gift card in our holiday giveaway. Join us as we unpack these insights and more, and don't forget to subscribe to stay updated on our future episodes! Happy New Year, and we look forward to another exciting season ahead! Thank you for tuning in, and we look forward to seeing you in our next episode! 00:00:00 - Introduction and Giveaway Announcement Welcome back to Talk Property to Me, introduction of hosts and details about a $250 gift card giveaway. 00:01:00 - Finance Wrap-Up for 2024 Discussion on the stability of interest rates and inflation trends over the past year. 00:02:43 - Interest Rates and Market Impact Analysis of fixed and variable interest rates, and their implications for homeowners. 00:04:02 - Home Value Indexes Overview Review of annual growth rates in major cities and regional areas across Australia. 00:06:25 - Top Performing Suburbs and Regions Highlighting specific suburbs and regional areas that experienced significant growth. 00:08:02 - Key Takeaways from 2024 Summary of the overall market performance and factors influencing property prices. 00:09:23 - Looking Ahead to 2025 Teaser for the next episode focusing on predictions for the upcoming year. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34650890

The Five Worst Property Types to Buy in Australia Right Now 12/19/2024

The Five Worst Property Types to Buy in Australia Right Now Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into a crucial topic for anyone looking to invest in real estate: the five worst properties you can buy in Australia right now. We kick off the discussion by highlighting the pitfalls of high-density apartments, particularly in inner-city areas like Brisbane and Melbourne. With an oversupply of units, high strata fees, and low rental yields, we emphasize the importance of opting for boutique properties that cater to a broader audience. Next, we explore the issue of overdeveloped regional areas, using examples like Ballarat and Rockhampton. These cookie-cutter housing estates often lack the fundamental qualities of location and scarcity, which are vital for a good return on investment. We also touch on the risks associated with single-industry economies, where the population growth fails to keep pace with the number of new dwellings. Our third point addresses flood-prone properties. We discuss the significant financial burden of high insurance premiums and the potential for natural disasters to wreak havoc on investments. We share real-life examples of areas that have been severely affected by flooding, underscoring the importance of thorough research before making a purchase. Moving on, we tackle the topic of off-the-plan purchases. While this may have been a viable option in the past, the current market conditions and the instability of builders and developers make it a risky endeavour. We advise listeners to conduct extensive research on developers and to be cautious about locking in prices that may not reflect future market conditions. Finally, we discuss properties in declining regional towns, such as Muscwellbrook. These areas often suffer from economic reliance on single industries, leading to oversupply and stagnation. We highlight the trend of population migration towards coastal areas, making these declining towns less attractive for investment. As a bonus tip, we caution against cheap homes in high-crime areas. While the allure of high rental yields may be tempting, the risks associated with such investments can lead to significant financial losses. We stress the importance of investing wisely and not letting ego drive property decisions. Join us as we unpack these critical insights and provide you with the knowledge to avoid common pitfalls in property investment. If you enjoy our discussion, don't forget to hit the like button, subscribe, and leave a comment with any topics you'd like us to cover in future episodes. Thank you for tuning in, and we look forward to seeing you in our next episode! 00:00:00 - Introduction to the Worst Properties in Australia 00:00:20 - High-Density Apartments: Too Much Supply 00:01:12 - Overdeveloped Regional Areas: Missing Fundamentals 00:02:21 - Flood Prone Properties: A Risky Investment 00:04:04 - Off the Plan Purchases: Proceed with Caution 00:05:27 - Declining Regional Towns: Economic Vulnerability 00:06:33 - Bonus Tips: Avoiding Cheap Homes in High Crime Areas 00:07:03 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34540730

What Every Buyer NEEDS to Know About Property Cycles 12/07/2024

What Every Buyer NEEDS to Know About Property Cycles Episode Synopsis: Understanding Property Cycles Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the concept of property cycles, a topic that frequently comes up in our discussions with listeners and clients alike. We start by defining what a property cycle is and introduce the four main stages: boom, peak, decline, and recovery. We explain how these stages are often visualized through the property clock, a tool popularized by organizations like Herron Todd White, which provides insights into various markets. As we explore each stage, we discuss the characteristics that define them. The boom phase is marked by high demand and rising prices, while the peak indicates a potential oversupply and plateauing prices. We also touch on the decline phase, where prices soften and demand decreases, and finally, the recovery phase, where prices stabilize and begin to rise again. A significant part of our conversation focuses on the driving factors behind these cycles, including economic conditions, interest rates, employment levels, and government policies. We highlight how owner-occupiers play a crucial role in driving market demand, especially during boom periods, and how their emotional purchasing decisions can significantly impact property values. We also reflect on the unique circumstances surrounding the COVID-19 pandemic, which led to a rapid shift in the property market. The influx of government stimulus, low-interest rates, and changes in consumer behaviour created a perfect storm for a property boom, which we analyse in detail. As we navigate through the current state of the property market, we discuss how to identify which part of the cycle different areas are in, using Sydney as a case study. We emphasize the importance of localized market analysis, as property cycles can vary significantly even within the same city. Throughout the episode, we share practical tips for different types of buyers—investors, home buyers, and sellers—on how to approach the market based on their unique circumstances. We caution against trying to time the market perfectly, stressing that long-term growth and personal lifestyle needs should take precedence over short-term fluctuations. In conclusion, we reiterate that understanding property cycles is valuable, but it should not be the sole focus for new investors. Instead, we encourage listeners to look at long-term growth factors and local market dynamics to make informed decisions. Thank you for tuning in! If you enjoyed this episode, please subscribe and leave us a comment with any topics you'd like us to cover in future episodes. We look forward to seeing you next time! 00:00:00 - Introduction to Property Cycles 00:00:11 - Understanding the Property Cycle 00:00:33 - The Property Clock and Its Importance 00:00:55 - Stages of the Property Cycle 00:01:17 - Boom Phase Explained 00:01:29 - Peak Phase Characteristics 00:01:43 - Decline Phase Overview 00:02:02 - Recovery Phase Insights 00:02:13 - Defining Boom vs. Peak 00:03:19 - Factors Driving Property Cycles 00:03:48 - Government Policies and Economic Conditions 00:04:10 - Impact of Immigration on Property Demand 00:04:52 - Cheap Money and Its Effects 00:05:10 - Consumer Spending and Savings During COVID 00:05:37 - Accessing Superannuation for Property Purchases 00:06:19 - Cancelled Weddings and Property Purchases 00:07:11 - Supply and Demand Dynamics 00:08:16 - Current State of Sydney's Property Market 00:10:02 - Key Indicators of Property Cycle Stages 00:10:25 - Identifying a Boom Market 00:11:45 - Understanding the Peak Phase 00:12:42 - Characteristics of the Decline Phase 00:13:16 - Consumer Confidence and Its Impact 00:14:14 - Renewed Buyer Interest in the Market 00:15:25 - The Fast-Paced Market Dynamics 00:16:33 - Future Predictions for Interest Rates 00:17:48 - Historical Context of Interest Rates 00:18:31 - Tools for Tracking Property Cycles 00:19:29 - Common Mistakes in Timing the Market 00:20:53 - Long-Term Growth vs. Timing the Market 00:22:11 - Importance of Local Variations 00:23:54 - Aging Population and Cash Purchases 00:25:31 - Tips for Different Types of Buyers 00:26:04 - Selling Strategies in Different Market Conditions 00:27:08 - Recap of Property Cycle Stages 00:28:02 - Long-Term Growth Focus 00:28:21 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34325485

Can You REALLY Gain an EXTRA $1.5 Million in Retirement Wealth? 11/26/2024

Can You REALLY Gain an EXTRA $1.5 Million in Retirement Wealth? In this episode of Talk Property To Me, I, Brad East, am joined by Cameron Smith from Waterford Financial Planners to discuss a compelling case study on how to significantly boost your retirement savings through strategic financial planning. We dive into the details of how a couple, currently aged 48, can potentially retire with an additional $1.5 million by making informed decisions about their superannuation. We start by examining the couple's current financial situation, which includes a combined super balance of just over $650,000 and a principal residence valued at $1.5 million. The discussion centres around two primary options: leaving their super in a traditional industry fund versus establishing a self-managed super fund (SMSF). Cameron explains the setup process for an SMSF, highlighting the initial costs and the long-term benefits that can outweigh these expenses. Throughout the episode, we emphasize the importance of understanding the potential growth of investments. Using conservative projections, we illustrate how the couple could see their super balance grow to approximately $3.5 million if they remain in an industry fund. In contrast, by setting up an SMSF and investing in property and shares, they could see their total net assets soar to around $5.1 million by the time they reach 65. We also discuss the mechanics of self-managed super funds, including the limited recourse borrowing arrangement (LRBA) that protects the fund's other assets in case of default on the property loan. Cameron provides insights into the types of contributions that can be made to the SMSF, including employer contributions and concessional contributions, and how these can be leveraged to maximize retirement savings. Additionally, we touch on the importance of compliance and the regulations surrounding SMSFs, including what cannot be done with the fund, such as using it for personal expenses or renting to related parties. Cameron shares valuable tips for business owners on how they can utilize their SMSF to purchase commercial properties and lease them back to their businesses. As we wrap up the episode, we reinforce the message that taking action now can lead to substantial financial benefits in the future. The compounding growth of investments over time is a critical factor in building wealth for retirement, and we encourage listeners to consider their options carefully. For anyone interested in learning more about self-managed super funds or financial planning strategies, I invite you to reach out to Cameron Smith at Waterford Financial Planners. His contact details will be available in the show notes. Thank you for tuning in, and as always, if you have topics you'd like us to cover in future episodes, feel free to share your suggestions! 00:00:00 - Introduction to Retirement Planning 00:01:00 - Self-Managed Super Funds Explained 00:02:30 - Cost vs. Benefit of SMSFs 00:03:30 - Minimum Requirements for SMSFs 00:04:30 - Member Balances and Splitting Super 00:05:30 - Case Study Overview 00:06:00 - Industry Fund vs. SMSF Comparison 00:08:00 - Growth Projections for SMSF 00:09:00 - No Additional Contributions Needed 00:10:00 - Lending Perspective on SMSFs 00:11:00 - Types of Contributions to Super 00:12:00 - Using Unused Contribution Caps 00:13:00 - Accessing Funds and Compliance 00:14:00 - Restrictions on SMSF Usage 00:15:00 - Commercial Property Strategies 00:16:00 - Conclusion and Key Takeaways ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34170340

Newcastle NSW: The Next Big Opportunity for Property Investors in 2025 11/21/2024

Newcastle NSW: The Next Big Opportunity for Property Investors in 2025 Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, and alongside my co-host Aaron Downie, we dive deep into the vibrant property market of Newcastle, exploring its historical evolution and future potential for investors. In this episode, we discuss whether Newcastle is still a viable investment opportunity as we look ahead to 2025. We start by unpacking the historical context of Newcastle, which has transitioned from an industrial hub, known as the "Steel City," to a gentrified urban area with significant growth potential. We highlight the transformation of key areas like the Honeysuckle Precinct, which has evolved from a derelict industrial site to a thriving waterfront community. We analyse the cyclical nature of Newcastle's property market, noting how past economic events, such as the GFC and COVID-19, have influenced buyer confidence and market dynamics. Despite recent high interest rates cooling the market, we observe that certain properties are still trading quickly, particularly in the sub-million dollar range, while others linger on the market longer. As we look to the future, we discuss the impressive population growth forecast for Newcastle, projected at around 21% over the next two decades, which is above the New South Wales average. This growth is supported by substantial infrastructure investments, including upgrades to Newcastle Airport, the extension of the M1 motorway, and the development of a clean energy precinct at the Port of Newcastle. These projects are expected to create thousands of jobs and boost the local economy, making Newcastle an attractive place to live and invest. We also touch on the ongoing redevelopment of the East End and Honeysuckle areas, which are becoming increasingly desirable for both residents and investors. With a focus on specific suburbs, we share our top recommendations for investment, including Lambton, New Lambton Heights, and Rankin Park, which are all positioned for significant growth due to their proximity to key amenities like hospitals and universities. Throughout the episode, we emphasise the importance of understanding the nuances of the property market, including the need for situational awareness when selecting properties. We conclude by inviting listeners to reach out for personalised advice on navigating the Newcastle property landscape. Join us as we explore the exciting opportunities that Newcastle has to offer for both first-time buyers and seasoned investors. Whether you're looking to buy, sell, or simply learn more about the market, this episode is packed with valuable insights and expert recommendations. Don't miss it! 00:00:00 - Introduction to Newcastle's Property Market 00:00:24 - Historical Overview of Newcastle 00:01:01 - Transition from Industrial to Gentrified City 00:02:19 - Sustaining Growth in Newcastle 00:03:31 - Impact of Economic Events on the Market 00:04:03 - Revitalization of Waterfront Areas 00:05:21 - Post-COVID Market Dynamics 00:06:27 - Current Buyer’s Market Analysis 00:07:23 - Future Market Predictions for 2025 00:09:13 - Population Growth and Infrastructure Investment 00:10:13 - Long-Term Population Forecast 00:11:50 - Major Infrastructure Developments 00:12:59 - Newcastle Airport Upgrades 00:13:43 - M1 Motorway Extension 00:14:52 - Port of Newcastle Developments 00:16:00 - John Hunter Hospital Investments 00:19:02 - University Expansion and Its Impact 00:20:13 - East End Redevelopment 00:22:43 - Top Suburbs for Investment 00:24:25 - Key Suburbs: New Lambton and Rankin Park 00:26:12 - Emerging Areas: Tighes Hill and Mayfield East 00:27:25 - Importance of Property Type and Strategy 00:28:15 - Future Topics and Conclusion ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/34073466

Smart Buying: How to Avoid the 5 Most Common First Home Buyer Mistakes 11/12/2024

Smart Buying: How to Avoid the 5 Most Common First Home Buyer Mistakes Episode Synopsis: 5 Common Mistakes First Home Buyers Make Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into a topic that resonates with many: the five common mistakes that first home buyers often make. We kick things off by discussing the pitfalls of taking too much advice from family and friends, particularly parents. While they may have good intentions, their experiences from decades ago may not apply to today's competitive market. We share a cautionary tale about a client whose father's advice led to a significant financial loss during a property auction. This highlights the importance of trusting professionals in the industry, such as mortgage brokers and buyer's agents, who can provide tailored advice based on current market conditions. Next, we address the tendency of first home buyers to overextend themselves financially in an attempt to keep up with their peers. We emphasise the importance of understanding your own financial situation and making decisions based on your long-term goals rather than ego or status. We encourage listeners to take the slow and steady approach, focusing on affordability and potential for future equity growth. Moving on, we discuss the critical mistake of not obtaining an independent pest and building report. We stress the importance of hiring qualified inspectors to ensure that buyers are fully aware of any potential issues with a property, rather than relying on reports provided by real estate agents, which may not be thorough. We also touch on the dangers of copying others' strategies without considering personal circumstances. Each buyer's situation is unique, and it's essential to align property purchases with individual goals, whether that means buying a home to live in or pursuing a rent-vesting strategy. Finally, we tackle the common misconception that waiting for market conditions to improve or trying to save more money will lead to better opportunities. We illustrate this with a real-life example of a first home buyer who hesitated to purchase a property within his budget, only to find that market prices were rising faster than he could save. We encourage listeners to act when they are ready, as capital growth can often outpace savings. Throughout the episode, we provide valuable insights and practical advice for first home buyers, urging them to make informed decisions based on their unique circumstances. If you have any topics you'd like us to cover in future episodes, feel free to reach out in the comments or send us a message. Thanks for tuning in, and we look forward to seeing you next time! 00:00:00 - Introduction to Common Mistakes for First Home Buyers 00:00:12 - Mistake #1: Over Reliance on Family Advice 00:04:26 - Mistake #2: Keeping Up with Friends and Overextending Financially 00:06:36 - Mistake #3: Skipping Pest and Building Inspections 00:10:10 - Mistake #4: Copying Others' Strategies 00:12:03 - Mistake #5: Waiting for Better Market Conditions 00:16:01 - Conclusion and Call for Topics ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33890292

The Psychology of Real Estate: How Agents Use Anchoring and Scarcity to Influence Buyers 11/07/2024

The Psychology of Real Estate: How Agents Use Anchoring and Scarcity to Influence Buyers Episode Synopsis: Submitting Offers and Negotiating with Agents Welcome back to another episode of Talk Property to Me! I'm your host, Brad East, alongside my co-host, Aaron Downey. In this episode, we dive deep into one of the most crucial aspects of purchasing a property: submitting offers and negotiating with real estate agents. We kick off the discussion by emphasising the importance of making a successful offer, which can potentially save you thousands of dollars. We explore the different types of property sales, including private treaties, auctions, and expressions of interest, and how each type influences the negotiation process. Key Topics Covered: Understanding Different Sales Types We explain what a private treaty is and how it can vary from agent to agent. Some agents may accept offers as they come, while others might run a campaign before negotiating. We discuss the auction process, including pre-auction offers and the conditions that come with them. Expressions of interest are also covered, highlighting their use in the current market and the implications for buyers. The Role of Real Estate Agents We delve into how agents qualify buyers and the tactics they use to gauge interest and drive prices up. The concept of "anchoring" is introduced, where agents set a psychological benchmark price to influence buyer perceptions. Negotiation Strategies We share effective negotiation techniques, such as understanding the seller's motivations and using favourable terms to craft your offer. The importance of being prepared with due diligence, including pest and building inspections, is emphasised to strengthen your position. Psychological Tactics We discuss the psychological aspects of negotiation, including the power of silence and the willingness to walk away. The episode highlights how emotional responses can be manipulated by agents and how buyers can maintain control. Real-Life Scenarios Aaron shares his personal experience of buying a property, illustrating the tactics used by agents and how he navigated the process. We also touch on the concept of artificial scarcity and how it can affect buyer decisions. Final Tips for Buyers We conclude with actionable advice for listeners, encouraging them to understand the market, know the seller's needs, and remain calm during negotiations. Throughout the episode, we stress that real estate agents are not your friends; they work for the seller. Understanding this dynamic is crucial for any buyer looking to navigate the property market successfully. Join us for this insightful discussion, and don't forget to like, share, and subscribe to our podcast. If you have any topics you'd like us to cover in future episodes, feel free to reach out in our Facebook group. Thanks for tuning in, and we look forward to catching you in the next episode! 00:00:00 - Introduction to Offers and Negotiations Welcome back to Talk Property to Me. Discussion on the importance of submitting offers and negotiating with agents. 00:00:10 - Types of Sales: Private Treaty, Auctions, and Expressions of Interest Overview of different sales methods and their implications for making offers. 00:00:37 - The Role of Real Estate Agents in Negotiation How agents qualify buyers and the importance of the initial interaction. 00:01:10 - Understanding Private Treaty Sales Explanation of private treaty sales and how offers are handled. 00:02:14 - Negotiation Starts Early The significance of the first meeting with the agent and how it sets the stage for negotiations. 00:03:17 - Anchoring Tactics in Real Estate Discussion on the anchoring tactic and how it influences buyer perception. 00:04:36 - Psychology of Pricing and Discounts How pricing strategies can create a sense of urgency and perceived value. 00:05:57 - Current Market Dynamics Analysis of buyer behaviour in the current market and the impact of supply and demand. 00:07:50 - Crafting Offers Beyond Price Importance of terms and conditions in making a compelling offer. 00:09:18 - Understanding Auction Processes Details on how auctions work and the significance of unconditional offers. 00:10:45 - Expression of Interest Explained What expressions of interest mean in the current market context. 00:12:22 - Best and Final Offers Discussion on the concept of best and final offers and the potential pitfalls. 00:13:51 - The Importance of Silence in Negotiation How silence can be a powerful tool in negotiations with agents. 00:15:16 - Recognizing Artificial Scarcity Understanding how agents create a sense of urgency and scarcity. 00:17:08 - The Role of Research in Offers The necessity of thorough research before making an offer. 00:19:04 - Walking Away as a Strategy The power of being willing to walk away from a deal. 00:20:38 - Emotional Control in Negotiations The importance of maintaining emotional distance during negotiations. 00:22:44 - Summary of Key Negotiation Tactics Recap of the main tactics discussed for effective negotiation. 00:24:15 - Top Tips for Buyers in the Current Market Final advice for buyers on navigating the current real estate landscape. 00:26:03 - Watch Out for Common Tactics Identifying tactics to be wary of during the buying process. 00:28:05 - Communicating with Conveyancers The benefits of direct communication with conveyancers over agents. 00:29:12 - Final Thoughts on Real Estate Agents Understanding the role of agents and the importance of buyer representation. 00:32:05 - Conclusion and Call to Action Wrap-up of the episode and encouragement to engage with the podcast. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33823722

First Home Buyers 101: Your Step-by-Step Guide to Homeownership 10/29/2024

First Home Buyers 101: Your Step-by-Step Guide to Homeownership Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the essential steps for first home buyers, providing a comprehensive guide to navigate the often overwhelming process of purchasing your first property. We kick off the discussion by addressing the most significant hurdle for first-time buyers: saving for a deposit. We explore the common misconceptions surrounding deposit amounts, particularly the traditional 20% benchmark, and introduce the concept of Lenders Mortgage Insurance (LMI). We explain how LMI protects the bank rather than the borrower and discuss the implications of needing to save a substantial deposit versus a smaller one. Next, we highlight the government initiatives available to assist first home buyers, such as the First Home Loan Deposit Scheme, which allows buyers to purchase with as little as a 5% deposit without incurring LMI. We clarify the eligibility criteria for this scheme and compare it to the shared equity scheme proposed by the Labor government. Additionally, we touch on the First Home Super Saver Scheme, although we note that it’s not as commonly utilised. As we move forward, we emphasise the importance of understanding all costs associated with buying a home, including stamp duty, legal fees, and inspection costs. We break down the specifics of stamp duty exemptions for first home buyers in New South Wales and discuss how these costs can significantly impact the total amount needed to enter the market. We also provide practical tips for saving more effectively, such as setting up separate bank accounts to manage living expenses and savings. We share personal anecdotes about investment apps that can help buyers accumulate savings over time. Transitioning into the finance side of things, we discuss the importance of obtaining pre-approval for a loan and the difference between pre-approval and formal approval. We stress the need for potential buyers to consult with a mortgage broker to understand their borrowing capacity and to prepare for the application process. In the latter part of the episode, we shift our focus to the property search itself. We discuss how to conduct market research, the significance of understanding your budget, and the factors to consider when choosing a location. We provide insights into the psychology of pricing in real estate and how to interpret guide prices versus sold prices. Finally, we walk listeners through the process of making an offer, the importance of understanding contracts, and the nuances of auction versus private treaty sales. We emphasise the need for buyers to be well-prepared and informed to make strong offers and navigate the settlement process smoothly. Throughout the episode, we aim to empower first home buyers with the knowledge and tools they need to make informed decisions in their property journey. Whether you're just starting to save or are ready to make an offer, this episode is packed with valuable insights to help you succeed in the competitive real estate market. Join us as we break down the complexities of buying your first home and provide you with the confidence to take the next steps in your property journey! 00:00:00 - Introduction to First Home Buyers 101 00:01:06 - The Challenge of Saving a Deposit 00:01:17 - Understanding Lenders Mortgage Insurance (LMI) 00:02:10 - Government Schemes: First Home Loan Deposit Scheme 00:04:14 - Eligibility for Government Schemes 00:05:37 - First Home Super Saver Scheme 00:06:33 - Additional Costs Beyond the Deposit 00:07:04 - Stamp Duty Exemptions for First Home Buyers 00:08:00 - Legal Fees and Other Costs 00:09:03 - Inspection Costs and Their Importance 00:09:36 - First Home Owners Grant Overview 00:10:51 - Strategies for Saving More 00:11:26 - Investment Apps and Budgeting Tips 00:12:57 - Guarantor Loans Explained 00:13:54 - The Importance of Pre-Approval 00:15:39 - Understanding Borrowing Capacity 00:19:25 - Credit Scores and Their Impact 00:21:00 - Managing Credit Inquiries 00:23:12 - Types of Home Loans: Fixed vs. Variable 00:25:32 - Offset Accounts vs. Redraw Facilities 00:27:51 - Finalising the Finance Side 00:28:11 - Researching the Property Market 00:30:07 - Understanding Market Dynamics 00:31:04 - Analysing Days on Market 00:32:02 - Making Strong Offers 00:34:35 - Navigating the Offer Process 00:36:06 - Understanding Contracts and Cooling Off Periods 00:38:01 - Auction vs. Private Treaty Purchases 00:39:54 - Vendor Considerations in Offers 00:40:21 - Final Steps After Offer Acceptance 00:42:57 - Settlement Day Expectations 00:45:02 - Conclusion and Advice for First Home Buyers ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33661507

From High Rents to Housing Shortages: Analysing Australia's Property Landscape With Thomas Hook 10/22/2024

From High Rents to Housing Shortages: Analysing Australia's Property Landscape With Thomas Hook In this episode of Talk Property To Me, hosts Brad East and Thomas Hook from Walkom Real Estate delve into the current state and future predictions of property prices in Australia, with a particular focus on Newcastle, New South Wales. We kick off the discussion by addressing the pressing issue of housing shortages in Australia, exacerbated by soaring immigration rates. With the Australian government granting 1.1 million new visas in 2023, we highlight the stark contrast between this surge in demand and the 8.1% drop in housing approvals during the same period. This imbalance raises significant concerns about the future of housing availability. Thomas shares some eye-opening statistics regarding construction costs, which have skyrocketed by 30% since early 2021. We explore the reasons behind these rising costs, including supply chain disruptions and a tight labour market, which have made it increasingly difficult for builders to meet the growing demand for housing. The conversation touches on the impact of government infrastructure projects that are diverting labour away from residential construction, further complicating the situation. As we analyse the current real estate landscape, we discuss the challenges faced by potential homebuyers and investors. With rental vacancy rates hovering around 1% nationwide, we reflect on the difficulties renters are experiencing in finding suitable properties. We also examine the high expectations of vendors in the current market, leading to longer days on market for listings. Throughout the episode, we consider innovative solutions being implemented in countries like Japan and Sweden, particularly the rise of prefab housing as a potential answer to the housing crisis. We discuss how these models could be adapted to the Australian context, especially in light of our unique land availability issues. Finally, we wrap up the episode by discussing the local market dynamics in Newcastle, noting the increase in listings but a decrease in buyer urgency. We speculate on the potential for a market rebound if interest rates drop, which could reignite buyer activity and influence property prices. As always, we encourage our listeners to engage with us by leaving comments or questions, and we welcome suggestions for future topics. Join us for this insightful discussion as we navigate the complexities of the Australian property market and its future trajectory. 00:00:00 - Introduction and Overview 00:01:12 - Current Housing Shortage 00:01:54 - Rising Construction Costs 00:03:12 - Supply Chain Disruptions 00:05:03 - Immigration vs. Housing Approvals 00:06:26 - Rental Market Pressures 00:08:18 - Need for Regional Development 00:09:49 - Pandemic's Long-Term Effects 00:12:52 - Builder Liquidations 00:14:57 - Government Initiatives for Housing Affordability 00:16:22 - Delays in Council Approvals 00:18:45 - Prefab Housing Solutions 00:20:02 - Local Market Trends 00:22:52 - Impact of Interest Rates on Buyer Behaviour 00:24:49 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33560922

Top 10 Non-Negotiable Rules for Successful Property Investing 10/15/2024

Top 10 Non-Negotiable Rules for Successful Property Investing Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the Top 10 Rules of Property Investing, a compilation of essential guidelines we've gathered from our years of experience in the industry. These rules are designed to be non-negotiable principles that can significantly enhance your success in property investing. We kick off the discussion with Rule #1: Location. We emphasize the importance of choosing the right location for your investment property, highlighting that not all locations are created equal. We discuss factors such as population growth, future development, and economic activity that can influence property values. We also touch on the idea of investing in familiar markets, like Newcastle, and the potential benefits of working with a buyer's agent if you're looking to expand your portfolio quickly. Next, we move to Rule #2: Power of Leverage. We explain how leveraging equity can amplify your wealth, allowing you to invest in properties worth significantly more than your initial deposit. We also discuss the implications of Loan-to-Value Ratios (LVR) and how they can affect your cash flow. In Rule #3: Balance of Cash Flow and Growth, we stress the importance of diversifying your property types to achieve a mix of high yields and capital growth. We provide strategies for increasing cash flow, such as adding granny flats or investing in different suburbs. Rule #4: Know Your Numbers is crucial for any investor. We urge listeners to avoid guesswork and instead rely on detailed calculations of income, expenses, and potential returns. We highlight the importance of understanding all costs associated with property investment, including management fees and exit costs. Moving on to Rule #5: Time in the Market, we discuss the significance of long-term investment over trying to time the market perfectly. We share insights on how compounding growth can lead to substantial wealth over time. In Rule #6: Speculation, we caution against relying on media headlines and speculation when making investment decisions. Instead, we recommend using reliable data sources and tools to inform your choices. Rule #7: Exit Strategy is another vital aspect we cover. We emphasize the need to have a clear plan for how you will exit your investment, whether through selling, pulling equity, or converting the property into your principal residence. Rule #8: Diversification encourages investors to consider different asset types and locations. We discuss the merits of investing in apartments versus houses and the importance of understanding market demand. In Rule #9: Using the Tax System to Your Advantage, we delve into strategies like negative gearing and depreciation. We stress the importance of working with a knowledgeable accountant to maximize your tax benefits. Finally, we wrap up with Rule #10: Build a Professional Network. We highlight the necessity of surrounding yourself with experienced professionals, such as accountants, mortgage brokers, and buyer's agents, to support your investment journey. Join us as we unpack these rules in detail, providing you with the insights and knowledge you need to navigate the property investment landscape successfully. Don't forget to subscribe, like, and share your thoughts with us! We look forward to catching you in the next episode, where we may explore property cycles or delve deeper into gearing and tax advantages. Thank you for listening! 00:00:00 - Introduction to Property Investing Rules 00:00:10 - Rule 1: Location Matters 00:01:00 - Understanding Location Dynamics 00:02:20 - Rule 2: Power of Leverage 00:04:01 - Rule 3: Balance of Cash Flow and Growth 00:05:22 - Diversifying Property Types for Cash Flow 00:06:31 - Rule 4: Know Your Numbers 00:07:12 - Importance of Detailed Financial Analysis 00:09:21 - Rule 5: Time in the Market 00:10:23 - Rule 6: Avoid Speculation 00:11:56 - Using Reliable Data Sources 00:12:20 - Rule 7: Exit Strategy Planning 00:13:32 - Rule 8: Diversification in Investments 00:14:50 - Rule 9: Utilizing the Tax System 00:16:20 - Understanding Negative Gearing and Deductions 00:17:32 - Rule 10: Building a Professional Network 00:18:20 - Choosing the Right Professionals 00:20:17 - Final Thoughts and Next Episode Preview ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33458902

The Power of Equity: Building Your Property Portfolio Without a Deposit 10/10/2024

The Power of Equity: Building Your Property Portfolio Without a Deposit Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, and alongside my co-host Aaron Downie, we dive deep into the concept of equity and its pivotal role in property investment. In this episode, we tackle one of the most frequently asked questions I encounter as a mortgage broker: "How can I purchase a property without a deposit if I'm already a homeowner?" We clarify that the answer largely depends on the equity you have in your current home. For those unfamiliar, equity is the difference between the market value of your property and the amount you owe on your mortgage. However, not all equity is usable, and we explain the distinction between total equity and usable equity. Using a practical example, we discuss a hypothetical couple, John and Lisa, who own a property valued at $1.2 million with a mortgage of $500,000. This scenario reveals that they have $700,000 in equity, but due to lender restrictions, they can only access $460,000 as usable equity. We emphasize that pulling equity from your home is not "free money"—it’s essentially borrowing against your asset, and it comes with its own set of responsibilities. We then explore the potential outcomes of John and Lisa's choices over a 25-year period. They can either do nothing and let their property appreciate, or they can leverage their equity to invest in additional properties. We calculate the potential growth of their investments, assuming a conservative 7% annual growth rate, and illustrate how their portfolio could grow significantly over time. The discussion also touches on the importance of understanding the tax implications of property investment. We clarify that while capital gains tax is a consideration, the goal should be to generate income and wealth, not to avoid taxes. We encourage listeners to think about property investment as a means to increase their financial standing rather than merely a tax strategy. Throughout the episode, we also address common misconceptions about equity, the importance of leveraging it wisely, and the potential for building a robust property portfolio. We highlight the benefits of investing in quality properties and the long-term advantages of starting early in the property market. As we wrap up, we remind our listeners that the key to successful property investment lies in understanding equity, making informed decisions, and being patient as your investments grow over time. Join us for this insightful discussion, and don’t forget to subscribe for more episodes where we break down complex property concepts into digestible insights! 00:00:00 - Introduction to Equity in Property Investment 00:00:11 - Understanding Equity and Usable Equity 00:01:08 - Calculating Usable Equity Example 00:02:54 - Releasing Equity: Options and Misconceptions 00:03:45 - John and Lisa's Investment Scenario 00:04:49 - Comparing Investment Strategies Over 25 Years 00:05:51 - Potential Growth of Investment Properties 00:08:01 - Total Value After 25 Years: A Summary 00:09:31 - Tax Implications of Property Investment 00:12:13 - The Importance of Income Generation 00:13:28 - Managing Debt: Good vs. Bad Debt 00:15:18 - Investment Property Loan Structures 00:18:01 - Equity Release Strategies Over Time 00:19:22 - Property Management: Quantity vs. Quality 00:20:53 - Conclusion: The Long-Term Benefits of Property Investment ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33401882

The Impact of US Economic Changes on Australian Property Trends - With Rockstar Turned Real Estate Expert - Craig Rosevear 10/02/2024

The Impact of US Economic Changes on Australian Property Trends - With Rockstar Turned Real Estate Expert - Craig Rosevear The Impact of US Economic Changes on Australian Property Trends - With Rockstar Turned Real Estate Expert - Craig Rosevear In this episode of Talk Property To Me, hosts Brad East, Aaron Downie, and Craig "Rosy" Rosevear dive deep into the evolving landscape of real estate, both in Australia and the United States. Craig shares his unique journey from being a professional musician with the Screaming Jets to becoming a successful real estate agent, highlighting how his experiences in the music industry led him to invest in property and eventually build a portfolio through home renovations and flipping. Craig discusses his recent move to Los Angeles, where he has been setting up a real estate business in collaboration with old friends. He reflects on the differences in the real estate market between Australia and the U.S., particularly in terms of buyer behaviour and market dynamics. The conversation shifts to the current state of the U.S. real estate market, especially in light of a significant interest rate cut by the Federal Reserve—the first since the COVID pandemic. The hosts analyse the implications of this rate cut, noting that it could signal a shift in buyer confidence and market activity. The episode also touches on the broader economic context, including concerns about the job market and consumer spending as the holiday season approaches. The hosts discuss how these factors might influence the Australian market, predicting potential interest rate cuts by the Reserve Bank of Australia in response to the U.S. changes. Listeners gain insights into the current trends in both countries, including the movement of properties in different price brackets and the impact of renovations on property value. Craig shares anecdotes from his experiences in high-end Los Angeles properties, illustrating how the luxury market operates and the types of buyers attracted to these homes. As the episode wraps up, the hosts emphasise the importance of being prepared for the upcoming changes in the market. They encourage potential buyers to get their finances in order and act swiftly, as the anticipated interest rate cuts could lead to increased competition in the housing market. Join us for this engaging discussion filled with expert insights, personal stories, and valuable advice for anyone interested in navigating the real estate landscape in the coming months. 00:00:00 - Introduction and Background Welcome back to Talk Property To Me. Introduction of hosts and Craig's background in real estate and music. 00:02:00 - Manufacturing Equity Discussion on how renovating properties can create manufactured equity and the importance of understanding equity. 00:04:30 - Craig's Real Estate Journey Craig shares his journey from musician to real estate agent and how he built a portfolio through flipping homes. 00:06:30 - Real Estate in the U.S. Craig discusses his experiences setting up a real estate business in Los Angeles and the differences in the market. 00:08:30 - Impact of U.S. Rate Cuts on Australia Analysis of the recent interest rate cut in the U.S. and its potential effects on the Australian market. 00:10:30 - Market Dynamics and Buyer Behaviour Discussion on buyer behaviour in the U.S. market, including the impact of locked-in mortgage rates. 00:12:30 - Property Sales Trends Insights into which price segments are moving quickly in the U.S. real estate market. 00:14:30 - Predictions for Interest Rates Predictions on interest rate movements in both the U.S. and Australia, and their implications for buyers. 00:16:30 - Preparing for Market Changes Advice for potential buyers on getting pre-approved and being ready to act in a changing market. 00:18:30 - Demographic Trends in Real Estate Comparison of ageing populations and property turnover in Los Angeles versus Australia. 00:25:00 - Conclusion and Future Outlook Wrap-up of the discussion with predictions for the property market in the coming years. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33292072

The Truth About Off-Market Properties and Valuation Shortfalls 09/24/2024

The Truth About Off-Market Properties and Valuation Shortfalls The Truth About Off-Market Properties and Valuation Shortfalls Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive deep into the intricate world of property valuations, a crucial aspect for anyone looking to buy, sell, or invest in real estate. We kick off the discussion by introducing the various types of property valuations that lenders utilize. From Automated Valuation Models (AVMs) to desktop and curbside valuations, we break down how each method works and the implications they have on property value assessments. We highlight the importance of understanding these methodologies, especially when it comes to pulling equity for investment purposes. One of the key points we address is the difference between a property's market value and its purchase price. We emphasize that lenders often rely on third-party valuers to mitigate the emotional biases that can lead buyers to overspend. This leads us into a discussion about the subjective nature of property value, where we explore how personal circumstances can justify higher prices for certain buyers. As we navigate through the episode, we touch on the common pitfalls in property valuations, particularly when it comes to off-the-plan purchases. We share insights on how relying solely on real estate agents' guide prices and median prices can lead to overvaluation and disappointment. We stress the importance of conducting thorough research and performing a comparative market analysis to arrive at a realistic property value. We also delve into the role of buyer's agents and the concept of off-market properties. While off-market opportunities can be appealing, we discuss the nuances of the current market, particularly in Newcastle, and whether these properties truly offer better value or simply serve as a sales tactic. Throughout the episode, we provide practical tips for listeners on how to approach property valuations. We encourage them to attend open homes, observe market trends, and understand the significance of inventory rates and days on the market. In closing, we reiterate the importance of being well-informed and cautious when it comes to property valuations. We remind our audience that while market value is often what someone is willing to pay, it’s essential to justify any significant deviations from the median price in the area. Join us for this insightful discussion, and don't forget to check out our website at talkpropertytome.com.au for more episodes and resources. Thank you for tuning in, and we look forward to having you with us next time! 00:00:00 - Introduction to Property Valuations 00:01:06 - Types of Valuations Used by Banks 00:02:22 - Understanding Automated Valuation Models (AVMs) 00:03:55 - Different Valuation Methods Explained 00:04:40 - Valuation vs. Purchase Price 00:05:30 - Subjective vs. Market Value 00:07:30 - Key Elements Influencing Property Valuation 00:09:18 - Comparative Market Analysis 00:10:20 - The Role of Real Estate Agents in Valuation 00:11:03 - Shortfalls in Valuations 00:12:30 - Common Pitfalls in Property Valuation 00:13:41 - Guide Prices and Anchoring Techniques 00:15:21 - Limitations of Online Valuation Tools 00:16:50 - Future of Property Valuation with AI 00:18:09 - Challenges in Unique Property Valuations 00:19:29 - Off-Market Properties: Pros and Cons 00:21:14 - The Role of Buyer’s Agents in Off-Market Deals 00:23:40 - Accessing Off-Market Opportunities 00:25:46 - Recap on Property Valuation Considerations 00:28:00 - Manipulating Valuations: Ethical Considerations 00:29:27 - Conclusion and Final Thoughts ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33182517

Building Trust: How a Teacher Became a Top Real Estate Agent - Expert Interview With Sam Taylor 09/16/2024

Building Trust: How a Teacher Became a Top Real Estate Agent - Expert Interview With Sam Taylor In this episode of "Talk Property To Me," Aaron had the pleasure of speaking with Sam Taylor, a former primary school teacher turned successful real estate agent. Sam shared his unique journey into the real estate industry, which began in 2018 after he developed a passion for property while helping his wife purchase their first home. He candidly discussed the challenges he faced in his early years, emphasising the importance of building a strong track record and the role of social proof in gaining client trust. Sam's background in teaching has significantly influenced his approach to real estate. He believes that the trust associated with being an educator sets him apart in a field often plagued by negative stereotypes. He highlighted the importance of communication and relationship-building, which he honed during his teaching career, as key components of his success in real estate. Throughout our conversation, Sam reflected on his most memorable sales, including his first sale of a block of land, which he secured through door knocking. He humorously recounted the challenges of prospecting and how he built a network of referrals by genuinely connecting with clients rather than relying on traditional cold-calling methods. We also delved into current market trends, with Sam noting a recent flat spot in the market due to low stock levels and uncertainty around financing. He discussed how the market has evolved post-COVID and the impact of interest rates on buyer sentiment. Sam pointed out that while many buyers are concerned about overpaying for properties, long-term investment strategies remain crucial for success in real estate. As we explored the dynamics between different buyer demographics, Sam shared insights on how first-time buyers and investors can differentiate themselves in a competitive market, particularly against downsizers who often prioritise lifestyle over price. He emphasised the importance of understanding the motivations behind buyers' decisions and how that can influence market trends. Towards the end of our discussion, we touched on the future of the real estate industry, particularly the shift towards more independent business models like UrbanX, which supports agents with backend services. Sam shared his vision for his own business, focusing on mentorship and fostering a positive culture within his team. This episode is packed with valuable insights for anyone interested in real estate, whether you're a buyer, investor, or aspiring agent. Sam's journey and perspective offer a refreshing take on the industry, highlighting the importance of relationships, community involvement, and a long-term mindset in achieving success. 00:00:00 - Introduction and Guest Background Welcome back to Talk Property To Me with Aaron Downie and special guest Sam Taylor discussing his journey from teaching to real estate. 00:01:00 - Transition from Teaching to Real Estate Sam shares his background as a primary school teacher and how his interest in real estate developed. 00:02:00 - Challenges in Early Career Discussion on the challenges faced in the first few years of real estate and the importance of building a track record. 00:03:00 - Setting Achievable Goals Sam talks about his goal-setting approach and the significance of being content in his new career. 00:04:00 - Trust and Background in Real Estate Exploring how Sam's teaching background contributes to trust in his real estate practice. 00:05:00 - Memorable Sales Experiences Sam reflects on his most memorable sale, including the importance of building relationships with clients. 00:06:00 - Prospecting Philosophy Discussion on Sam's philosophy of client service over traditional prospecting methods. 00:08:00 - Market Trends and Observations Sam shares insights on current market trends and the impact of stock levels and buyer sentiment. 00:10:00 - Impact of COVID and Interest Rates Exploring how COVID-19 and interest rate changes have influenced the real estate market. 00:12:00 - Buyer Behavior and Market Sentiment Discussion on how buyer behaviour has shifted from fear of missing out to fear of overpaying. 00:14:00 - Long-Term Investment Perspective Sam emphasises the importance of long-term thinking in real estate investments. 00:16:00 - Demographics and Buyer Motivations Exploring how different demographics influence buyer motivations and decisions. 00:18:00 - Downsizing Trends Discussion on the trend of downsizing and its impact on the real estate market. 00:20:00 - Cash Buyers and Market Stability Sam talks about the influence of cash buyers on market stability despite economic fluctuations. 00:22:00 - Investor Strategies in Current Market Insights into what investors are looking for in the current market and how they are adapting. 00:24:00 - Market Data and Trends Sam analyses market data and trends over the past decade in Newcastle and Lake Macquarie. 00:27:00 - Gentrification and Suburb Changes Discussion on the gentrification of suburbs and how perceptions of areas have changed. 00:30:00 - Future of Real Estate Business Models Sam shares thoughts on the evolution of real estate business models and the role of UrbanX. 00:32:00 - Advice for New Agents Sam provides valuable advice for new agents and those looking to start their own brand. 00:34:00 - Importance of Mentorship and Culture Discussion on the significance of mentorship and maintaining a positive office culture. 00:37:00 - Volume and Experience in Real Estate Sam emphasises the importance of transaction volume for skill development in real estate. 00:39:00 - Conclusion and Final Thoughts Wrap-up of the discussion with key takeaways and appreciation for the insights shared. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/33067202

The State of the Economy: Government Spending and Interest Rates 09/09/2024

The State of the Economy: Government Spending and Interest Rates In this episode of Talk Property To Me, we delved into the current state of the economy with the help of Joel Griffiths, an experienced accountant from Leenane Templeton. Joel, with nearly 25 years in the industry, provided valuable insights into the economic landscape and the impact of government spending on various sectors. The discussion revolved around the recent inflation figures, disposable income, and productivity trends. We explored the question of whether the economy is in a recession, potentially masked by government spending, and the implications of further rate increases. Joel highlighted the role of government spending in driving economic growth, particularly in the context of the upcoming election. We analysed the impact of high interest rates on rent prices and the challenges faced by households in managing utility costs amidst inflation. The conversation also touched upon the disparity in household disposable income per capita compared to other OECD countries, indicating the strain on Australian households. We discussed the potential consequences of monetary policy on households and the need for a balanced approach to fiscal measures. The podcast hosts also examined the predictions surrounding future rate increases and the dynamics of fixed rates in the market. They emphasised the importance of assessing individual financial situations and exploring refinancing options in the current economic climate. Furthermore, the discussion extended to the retail sector, personal finance trends, and the implications of high assessment rates on borrowers. The hosts highlighted the significance of proactive financial management and the potential impact of government spending on the economy's long-term sustainability. Overall, the episode shed light on the complex interplay between government policies, economic indicators, and individual financial decisions in shaping the current economic landscape. Joel's expertise provided valuable insights into navigating the challenges and opportunities in the evolving economic environment. 00:00:00 - Introduction and Background 00:05:30 - Government Spending and Economic Impact 00:10:00 - Interest Rates and Market Predictions 00:15:00 - Retail Sector and Household Finances 00:17:30 - Assessment Rates and Lender Strategies 00:20:00 - Government Spending for Election Purposes ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/32965087

First Time Property Investors Part 2: Understanding Location, Market Trends, and Property Types 08/27/2024

First Time Property Investors Part 2: Understanding Location, Market Trends, and Property Types Welcome back to another episode of Talk Property To Me! In this episode, my co-host Aaron Downey and I delve into the crucial aspects of property selection for first-time investors. We build upon our previous discussion on finance and now focus on the key considerations when choosing the right property. We kick off the episode by emphasizing the importance of location. We highlight the common mistake of investing in familiar areas without considering diversification. We stress the need to conduct thorough market research, considering factors like proximity to reputable schools, public transport accessibility, and amenities. Moving on to property types, we differentiate between residential and commercial properties. While commercial properties offer high returns, they require larger deposits and active leases, making them less suitable for first-time investors. We emphasize the significance of choosing the right property type based on investment goals and strategies. The discussion then shifts to the long-term outlook of the chosen property. We explore how economic trends, development projects, and scarcity can impact property values and rental returns. We stress the importance of considering owner-occupied appeal and scarcity to attract tenants and maximize investment returns. Lastly, we touch on the importance of staying updated with market trends and seeking professional advice when needed. We encourage listeners to educate themselves and consider reaching out to experts like Aaron for guidance in making informed property investment decisions. Overall, this episode provides valuable insights into the intricate process of property selection, guiding first-time investors towards making sound investment choices. Tune in to our website for more episodes and resources to enhance your property investment journey. Thank you for listening, and we look forward to sharing more insights in our next episode! 00:00:00 - Introduction to Property Selection 00:05:30 - Importance of Location in Property Selection 00:10:50 - Conducting Market Research for Property Selection 00:12:58 - Choosing the Right Property Type 00:16:44 - Considering Long-Term Outlook for Property Selection 00:22:14 - Scarcity and Owner-Occupied Appeal in Property Selection 00:25:43 - Staying Updated in Property Selection ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: Linkedin: /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/32753947

First Time Property Investors - Part 1: Navigating Finance 08/19/2024

First Time Property Investors - Part 1: Navigating Finance Welcome back to another episode of Talk Property to Me! In this episode, my co-host Aaron Downey and I dive into the world of first-time property investors in Australia, focusing specifically on the finance aspect. This episode is part one of a two-part series, with the next episode delving into the property side of things. We kick off the episode by discussing the crucial question of how much deposit is needed for first-time property investors. We explore the concept of lenders mortgage insurance (LMI) and its impact on deposit requirements. We also touch on the option of using a guarantor to increase the deposit amount and avoid LMI. Moving on, we delve into government schemes available for first-time homebuyers in Australia, particularly in New South Wales. We highlight schemes like the first home loan deposit scheme and stamp duty exemptions, emphasising the eligibility criteria and benefits for first-time buyers. Next, we shift our focus to understanding how banks assess borrowing capacity for potential property investors. We break down the calculation process, including net income, living expenses, and loan repayments. We stress the importance of managing existing debts like credit cards to improve borrowing capacity. In a thought-provoking segment, we discuss the strategy of rent vesting for individuals who cannot afford to buy property in their desired location. We explore the concept of investing in more affordable markets while renting in a preferred area, highlighting the potential benefits and considerations for this strategy. Wrapping up the episode, we touch on the significance of financial discipline and strategic planning for aspiring property investors. We emphasise the need to assess individual financial situations, explore alternative options, and make informed decisions to achieve property ownership goals. Join us next week for part two of our series, where we will delve into the property side of first-time property investment in Australia. Stay tuned for more insights, tips, and advice on navigating the property market as a first-time investor. Thank you for tuning in to Talk Property to Me! Remember to connect with us on our social media platforms and reach out with any questions or topics you'd like us to cover in future episodes. See you next time! 00:00:02 - Introduction to Finance Tips for First Time Property Investors 00:02:12 - Explanation of Lenders Mortgage Insurance (LMI) 00:03:29 - Tips for Saving a Deposit 00:08:55 - Overview of Government Schemes for First Home Buyers 00:11:30 - How Banks Assess Borrowing Capacity 00:16:13 - Impact of Credit Cards on Borrowing Capacity 00:18:49 - Considerations Before Buying Property When Planning for Kids 00:21:47 - Introduction to Rent Vesting Strategy 00:25:25 - Conclusion and Preview of Part Two ABOUT THE HOST BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/32631502

State by State: Predicted Growth Areas in Sub-800K Markets 08/07/2024

State by State: Predicted Growth Areas in Sub-800K Markets Welcome back to Talk Property to Me! In this episode, my co-host Brad East and I delve into the predicted growth areas in each state in the sub-800k market segment. We use an algorithm that considers historical data, infrastructure spending, supply and demand metrics, quality of schools, and socioeconomic factors to identify these high-growth areas. We start by discussing the importance of school quality in property investment decisions, sharing personal experiences of how it influenced our own property choices. We emphasize the significance of analyzing sub-markets and understanding the demographics and preferences of potential buyers or renters in different price points. Moving on to specific states, we highlight the Barossa Valley in South Australia and Maitland in New South Wales as promising areas for future growth due to their affordability, stable rental increases, and favorable market metrics. In Queensland, Ipswich and Breland Point stand out as potential high-growth areas, while in Victoria, Melton and Brimbank are identified as key locations to watch. We caution against investing in areas with limited data or high days on the market, such as Zuccoli in the Northern Territory. In Western Australia, Cockburn emerges as a potential investment hotspot due to its coastal location and affordability, despite concerns about long-term growth sustainability. Throughout the episode, we stress the importance of thorough research and due diligence when selecting investment properties, advising listeners to focus on location, lifestyle amenities, and market demand. We conclude by encouraging listeners to invest where people want to live, rather than solely focusing on tax benefits or short-term gains. Join us on the next episode of Talk Property to Me as we continue to explore the dynamic world of property investment and share valuable insights to help you make informed decisions in the real estate market. Thank you for tuning in! 00:00:00 - Introduction to Predicted Growth Areas 00:05:30 - Discussion on Barossa Valley in South Australia 00:10:54 - Analysis of Ipswich in Greater Brisbane, Queensland 00:13:38 - Focus on Melton in Greater Melbourne, Victoria 00:14:11 - Exploration of Horsham in Regional Victoria 00:16:37 - Examination of Cockburn in Perth, Western Australia 00:19:20 - Mention of Palmerston in Darwin, Northern Territory 00:21:45 - Emphasis on Lifestyle Locations for Investment Opportunities ABOUT THE HOST BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial /episode/index/show/370175be-f95d-4be9-a6ad-fb7f8408a721/id/32470752

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