Australian Property Podcast

Pete Wargent speaks with Stephen Ash about his journey to an 8-eight property portfolio on this episode of The Australian Property Podcast. Learn more about Allen Wargent Property Buyers: https://www.allenwargent.com.au/about/steve-ash/ ~~ Resources you'll love ~~ Rask Community Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Flint Group co-founder Chris Bates are BACK!  Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Crane count remains near record 2 – A race for capacity (Arcadis report) 3 – Mortgage rates are still rising (RBA) Episode resources 1 – Crane count remains near record highs https://www.rlb.com/oceania/insight/australia-q1-2024-crane-index/#:~:text=The%20RLB%20Crane%20Index%C2%AE%20fell%20by%20three%20index%20points,across%20the%20country%20remain%20high 2 – Race for capacity (Arcadis)  https://www.arcadis.com/en/knowledge-hub/perspectives/global/international-construction-costs-2024 3 – Mortgage rates are still rising (RBA) https://www.rba.gov.au/publications/bulletin/2024/apr/pdf/cash-rate-pass-through-to-outstanding-mortgage-rates.pdf https://www.macrobusiness.com.au/2024/04/aussie-mortgage-rates-will-continue-rising/   ~~ Resources you'll love ~~ • Invest with Owen: https://bit.ly/R-invest • Mortgage Broking: https://bit.ly/broke-rask • Financial Planning: https://bit.ly/R-plan • Property Coaching: https://bit.ly/R-P-coach • 100-point property checklist (PDF): https://bit.ly/prop-check • Accounting with Grey Space: http://bit.ly/3DG5lWS • Business Coaching: https://bit.ly/o-coach • Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This Rask podcast episode is going to seem really… different. It’s a wonderful conversation with an extremely entrepreneurial couple who I have followed for a few years. Matt and Liz Raad are serial investors in websites and digital assets. They’re speakers and educators who have probably helped to create tens, if not hundreds, of millions of dollars of wealth for investors, FIRE community members, those escaping the 9-to-5, and business owners. In this podcast, we’ll going backwards, to how they first meet, to walk forwards and map their fascinating business and investment journey. This podcast is all about investing in things you’ve probably never thought you could, or should - websites. If you want Liz, Matt and I to do a round two, I’d love to hear from you. Please use the Rask community, or ask a question link (both are are available in your podcast player) to get in touch with me. And if you’re half as fascinated as I am in what they talk about, go and get in contact with them using the resources for this episode. If you do, let me know what you think. Resources from Matt & Liz (not sponsored or affiliate) Website: https://ebusinessinstitute.com.au/ Free masterclass: https://ebusinessinstitute.com.au/ref.html?w=dpvrp&p=ebi Apple podcast: https://podcasts.apple.com/ca/podcast/digital-investors/id1654642750 Spotify podcast: https://open.spotify.com/show/0U77CtnetQUCFn0rCCYlkB ~~ Resources you'll love ~~ Rask Community Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: drcm US inflation figures spooking the horses Australia are world leaders in interest rate pain  Wealth property investors return to the big city – holding pattern Episode resources: US inflation figures spooking the horses US consumer prices heat up in March, delaying Fed cut Rate rises have hit Australia harder Australia are world leaders in interest rate pain Rate rises have hit Australia harder Wealth investors return to the big city  Wealth property investors return to the big city Rise of the rent-vestor who can’t buy where they want Brisbane prices tipped for mega-boom ~~ Resources you'll love ~~ Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast episode, Owen Rask and Amy Lunardi break down 5 of the most emotional traps people fall into when buying their property.  Here's what you need to know: 1. Avoiding being too emotional and overpaying Need to have some emotion when buying a property Use this to factor into your ‘competitive buffer’ – how to figure this out (comparable sales plus x%) Where to draw a line in the sand With an investment less emotions (not zero) 2. The need for ‘social proof’ Do your research upfront to avoid self doubt later on 3. Allowing real estate agents/negotiations to impact your decision making Negative experiences with agents A negotiation not happening the way you expect it to 4. Waiting for ‘the one’ or ‘that feeling’ Doesn’t always happen this way (like online dating) Figure out what gives you ‘that feeling’ Focus on your non-negotiables 5. Constantly having self doubt throughout the property journey Often stems from a lack of upfront preparation, research, not knowing what you’re doing Highly influenced by friends/family/media Procrastination, changing strategy throughout, pulling out at last minute ~~ Resources you'll love ~~ Access Show Notes Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Flint Group co-founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: Labor miles off its homes target What’s happening in Perth? Pete's New book: The Buy Right Approach to Property Investing Episode resources 1 – Labor miles off its homes target Labor miles off its home target: https://www.theaustralian.com.au/nation/governments-ambitious-home-building-target-at-risk/news-story/5cd535004466ce2ae27a9ca6070b8ebe Dwelling approvals sink to decade lows: https://petewargent.blogspot.com/2024/04/dwelling-approvals-sink-to-decade-lows.html 2 – Perth houses won’t stay cheap for long https://www.macrobusiness.com.au/2024/04/perth-house-prices-wont-stay-cheap-for-long/ 3 – New book: The buy write approach to property investing https://petewargent.blogspot.com/2024/04/pre-order-our-new-book.html https://majorstreet.com.au/products/the-buy-right-guide-to-investing-in-property ~~ Resources you'll love ~~ Access Show Notes Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

The State of the Markets episodes provide you with a concise and clear picture of what is happening across markets. Not just in property, and not just in Australia. Pete and Owen talk about the S&P/ASX 200 (INDEXASX:XJO), bonds, Australian residential property, commercial property, S&P 500 (INDEXSP:.INX), what's happening with the Australian Dollar (AUD) and more! Let us know what you think by writing in, using the 'Ask a Question' link below.  ~~ Resources you'll love ~~ Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: Record household wealth for Australia Huge increases in land taxes in Queensland Brisbane river market records fastest recovery in history Episode resources: Record household wealth in Australia ABS: Household wealth up +2.8% in 2024 Charlie Bilello: The first rule of compounding Pete Wargent blog: A critical lesson in compounding Huge increases in land tax for Queensland State governments fuel land tax fire Brisbane river market records fastest recovery in history ~~ Resources you'll love ~~ Access Show Notes Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen Rask, Chief Investment Officer and founder of The Rask Group, and Chris Bates, mortgage broker and co-founder of Flint Group, are back and answering your questions on The Australian Property Podcast.  In this Australian Property Podcast episode, Owen and Chris tackle: Does landscaping add value to a property? Help! I'm scared of higher interest rates - should I buy or sell now? What is the First Home Super Saver Scheme (FHSSS)? Is it worth adding a granny flats to my property? Is now a good time to buy? Are first-home buyer incentives worth it? Australian Property Podcast resources: Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking with Chris: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: When is property ownership a trap? (Chris Williamson podcast with James Smith) Good intentions are no match for housing supply reality (AFR) We need land-less mortgages, says Mirvac (AFR) Episode Resources: When is property ownership a trap? Chris Williamson and James Smith: Personal finances and happiness From (1:03:50): https://www.youtube.com/watch?v=X7SMegbrDcw&t=2778s Good intentions are no match for housing supply reality: https://www.afr.com/chanticleer/housing-affordability-good-intentions-are-no-match-for-grim-reality-20240322-p5fek9 We need land-less mortgages, says AFR: https://www.afr.com/property/residential/we-need-land-less-mortgages-mirvac-ceo-campbell-hanan-says-20240318-p5fden ~ Resources ~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach Property checklist (PDF): https://bit.ly/prop-check Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 WARNING: This podcast contains general financial information only issued by The Rask Group Pty Ltd. The information does not take into account your objectives, financial situation, or needs. Speak with your financial planner or tax agent before acting on this information. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Commercial property is hugely popular amongst income-focused investors, seeking out consistent yield from established tenants in high value areas. In this Australian Property Podcast episode, buyers agents Amy Lunardi and Pete Wargent pull apart the idea of commercial property investing, including the following: Different types of commercial property Why invest in it? Pros & Cons Freehold v strata How they are valued Value adding REITs And more! Australian Property Podcast resources: Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover Immigration surges – biggest January on record, is property the best bet? Livewire/AFR and where cash buyers are splurging billions for a home Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Insurance for 80 mins? If you can make it through this episode, you can do anything in life. Owen Rask is joined by financial advisers, Phil Thompson from Skye Wealth, and Jame's O'Reilly from Northeast Wealth, on this special deep dive episode into personal insurances: income protection, life insurance, and TPD/disability. This episode is EPIC and is an amazing primer for how to get and keep insurance. Book a 15-min free insurance call with Skye: https://bit.ly/R-insur Get financial advice from James (select age 50-60): https://bit.ly/R-plan VIDEO VERSION: https://www.youtube.com/watch?v=Cy5sIfOO7YY ~~ Other resources ~~ Access Show Notes: https://bit.ly/R-notes Kate's book, Buying Happiness: https://bit.ly/kate-amazon Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover, 11 things that happened in the December quarter, Lending defies growth hopes, declining in January & Gen Z women fall behind on home ownership. Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr Cameron Murray joins Pete Wargent to field all of your questions, ranging from 'is the RBA responsible for ultra-low rates?' and 'Is the housing crisis more than just a war between NIMBYS and YIMBYS?' Get Cameron's new book on Amazon: https://www.amazon.com.au/Great-Housing-Hijack-keeping-Australia/dp/176147085X Australian Podcast show notes Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: The apartment trap: Why a unit may no longer get you a house, Building pipeline weakest in 12 years & CoreLogic subtle reacceleration in Feb 2024 Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This Australian Property Podcast episode features buyer's agent Amy Lunardi and Owen Rask, Chief Investment Officer of Rask, talking about 7 mistakes buyers make when valuing and appraising a property. Video version: https://www.youtube.com/watch?v=KNpJGXS7txY Amy's list of 7 mistakes includes: Not doing it at all Using ‘cma’ reports Not being familiar with locations / property characteristics  Focusing too much on one sale / not benchmarking against enough sales Not cross checking with agents Not factoring in market changes Listening to ‘well meaning’ friends/family ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach Amy's 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Office values plunge 20pc 2 – Cam Murray Book – the Great Housing Hijack 3 – Mortgage stress close to GFC levels ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Owen Rask, founder of The Rask Group, is joined by financial adviser Alex Luck to answer your financial planning questions on The Australian Property Podcast. Topics covered: Why can I never stick to a budget I'm 15 and want to invest Retiring with $8,000 in Super Using leverage to buy shares or ETFs Financial planning fees explained ~~ Resources you'll love ~~ Ask a question: https://bit.ly/3QtiY00 Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the week. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Suburb record prices! But what do they actually mean? 2 – Latest wages trends, slower wages growth likely in 2024 3 – Investors return to Sydney Episode Resources Story 1 – Suburb record prices! But what do they actually mean? https://www.realestate.com.au/news/new-build-home-in-brisbanes-south-breaks- suburb-record/ https://www.facebook.com/brisbanehomeprices https://www.realestate.com.au/news/x-factor-homes-that-shattered-suburb-records/ https://www.abc.net.au/news/2024-02-16/nsw-sydney-tamarama-lang-syne-house- demolished/103475694 Story 2 – Latest wages trends, slower wages growth likely in 2024 https://www.westpac.com.au/docs/pdf/aw/economics-research/WestpacWeekly.pdf https://petewargent.blogspot.com/2024/02/rba-is-done-there-was-to-be-no- rebound.html Story 3 – Property investors return to Sydney https://www.domain.com.au/research/house-price-report/december-2023/ https://www.macrobusiness.com.au/2024/02/property-investors-rush-sydney/ ~~ Resources you'll love ~~  Invest with Owen: https://bit.ly/R-invest  Mortgage Broking: https://bit.ly/broke-rask  Financial Planning: https://bit.ly/R-plan  Property Coaching: https://bit.ly/R-P-coach  100-point property checklist (PDF): https://bit.ly/prop-check  Accounting with Grey Space: http://bit.ly/3DG5lWS  Business Coaching: https://bit.ly/o-coach  Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Big news! Chris Bate's business, Blusk, has merge with the business of Christian Stevens (Australia's other #1 broker) to create Flint Group. On this special Australian Property Podcast Chris chats with Owen Rask to go behind the scenes on the merger and rebrand, and why and how they will become one of the biggest mortgage broking businesses in Australia, Flint Group. Website in progress: https://flintgroup.au ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast Australia's #1 Mortgage Broker Chris Bates sits down with Buyers Advocate Amy Lunardi to discuss: - The different phases of buying: saving, getting a mortgage, research and active buying phase - How long does it normally take for each stage? Don’t compare yourself to others - Why would you want to do it faster? No rush but could be wanting to get into own home faster, out of the rental market, family reasons, lifestyle priorities, reduced stress with a drawn out process, during active buying phase – less emotional and time cost. Overarching advice though is that there is NO RUSH, but if it is a goal you should be proactive - Savings phase tips (more income, less spending!) - Mortgage phase tips (inc government schemes/grants) - Research phase tips, timing the market - Active buying tips. How to know if you’re on the right path. Mistakes to avoid 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Office assets tanking globally 2 – Victoria land tax woes 3 – Auckland upzoning debate Episode Resources Story 1 – Office assets tanking globally – risk of bank contagion? https://www.businessinsider.com/housing-market-outlook-commerical-residential- offices-resiclub-real-estate-mortgage-2024-2?r=US&IR=T https://finance.yahoo.com/news/kevin-o-leary-says-coming-230043170.html https://edition.cnn.com/2024/02/07/business/pbb-bad-loans-real-estate- crisis/index.html Story 2 – Victoria’s budget and land tax woes https://petewargent.blogspot.com/2024/02/tough-decisions-for-indebted-state.html https://eliteagent.com/propertyology-boycotts-victorian-real-estate/ https://www.theage.com.au/politics/victoria/victoria-s-debt-risks-doubling-in-a- decade-budget-office-warns-20230603-p5ddn8.html Story 3 – Auckland housing supply debate https://www.macrobusiness.com.au/2024/02/housing-supply-con-artists-exposed- again/ https://bnnbreaking.com/breaking-news/economy/auckland-residential-rents-surge- reaching-new-heights/ https://www.fresheconomicthinking.com/p/wellingtons-fisher-price-zoning-war https://www.stuff.co.nz/home-property/350159428/will-anyone-ever-buy-plans-again 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast Australia's #1 Mortgage Broker ChrisBates sits down with OwenRask to discuss Owen's propertygoals and long-term wealth creation plan. Chris also explains the pros and cons of equityrelease, debtrecycling, side hustles v pay rises, and so much more.  📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: Rate cuts a double-edged sword for FHBs Home equity access increases for retirees Property prices could rise 10pc on lower rates & taxes? Episode Resources: Story 1 – Rate cuts a double-edged sword for FHBs https://www.theaustralian.com.au/business/economics/borrowers-to-save-hundreds-from-rba-rate-cuts-but-send-property-prices-up/news-story/23a8abb7f75ee2f277fbcc59e012d789 Story 2 – Home equity access? https://www.theaustralian.com.au/business/wealth/is-this-the-best-kept-investment-secret-for-older-australians/news-story/8e70b73609111661de297eaee5357b4f Story 3 – Property prices could rise 10pc on lower rates & taxes https://www.afr.com/property/residential/property-prices-could-rise-10pc-on-lower-rates-taxes-20240204-p5f29m 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: Turning point! Inflation fell more than the RBA expected Tax reforms as the political cycle turns The suburbs where premium houses and units have outperformed Resources: Rate cuts could stoke pent-up housing demand - https://www.afr.com/property/residential/rate-cut-hopes-could-stoke-pent-up-housing-demand-20240130-p5f10x Aussie inflation in-depth: encouraging signs - https://www.antipodeanmacro.com/p/aussie-q4-cpi-in-depth Aussie CPI analysis - https://jamesfostermacro.blogspot.com/2024/01/australian-q4-cpi-06-41yy.html Negative gearing/franking credits changes not on the table: Chalmers - https://www.theaustralian.com.au/nation/politics/no-intention-of-revisiting-negative-gearing-treasurer/news-story/77ded2b1299bccf2a3a23995614f73c8 Negative gearing safe as houses - https://www.macrobusiness.com.au/2024/01/negative-gearing-safe-as-houses/ Poll slide for Labor after Stage 3 tax cuts backflip - https://www.roymorgan.com/findings/9449-federal-voting-intention-january-29-2024 Treasury eyes $60bn tax on family trusts - https://www.afr.com/policy/tax-and-super/treasury-eyes-tax-on-60b-in-family-trusts-20240131-p5f1fr Suburbs where premium houses outperformed - https://www.afr.com/property/residential/the-suburbs-where-premium-houses-gain-3m-more-than-average-homes-20240122-p5ez55 Where units tripled in value over 20 years - https://www.afr.com/property/residential/the-suburbs-where-units-tripled-in-value-over-20-years-20240130-p5f0yw 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – The property market outlook for 2024 2 – Apartment defects and the housing supply challenge 3 – Fixed rate cliff – passed without damage? Outlook for borrowers with Stage 3 tax cuts Episode Resources Story 1 – The property market outlook for 2024 Sydney unit prices to rise 23pc in 3 years, house prices to rise 16pc https://www.afr.com/property/residential/sydney-house-prices-to-climb-16pc-in-three-years-20240119-p5eyn5 Housing starts plunge to decade lows https://petewargent.blogspot.com/2024/01/housing-starts-plunge-to-decade-lows.html Story 2 – New apartment defects and the housing supply challenge A litany of building defects across NSW has shaken consumers but experts say new laws are turning things around https://www.abc.net.au/news/2024-01-19/consumer-rights-defects-sydney-apartments-off-the-plan/103362884 Sydney complex of 900 new apartments at risk of collapse due to ‘serious damage’ – watchdog https://www.theguardian.com/australia-news/2024/jan/17/sydney-apartment-buildings-macquarie-park-risk-of-collapse-lachlans-line-watchdog-says Story 3 – Fixed rate cliff has passed? Fixed rate cliff - passed with a whimper? https://petewargent.blogspot.com/2024/01/fixed-rate-cliff-passed-with-whimper.html https://petewargent.blogspot.com/2024/01/this-is-what-tax-cuts-mean-for-you.html 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast Summer Series ☀️ episode, part 3 of 4, leading Australian property coach Pete Wargent sits down with expert Buyer's Agent Amy Lunardi to discuss what it takes to find the right property. Topics Amy & Pete discuss: Knowing your property plan Land and building value Building a property brief Investment grade or 'high quality' properties How to find a property online Why it starts with you, not the property ~~ Resources you'll love ~~ Full show notes & more episodes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast Summer Series ☀️ episode, part 2 of 4, Australia's #1 mortgage broker Chris Bates sits down leading Australian buyer's agent Amy Lunardi to share their insights into building a property team. If you've ever wondered: What's the difference between a real estate agent and buyer's agent/advocate? When do I get a mortgage broker? Can a lawyer or conveyancer help me transfer a property? What does my accountant do? This is the episode for you. In addition, Chris discusses the essential elements of getting a mortgage to secure your property goals. ~~ Resources you'll love ~~ Full show notes & more episodes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast Summer Series ☀️ episode, part 1 of 4, leading Australian property coach, six-time author, economist and buyer's agent Pete Wargent sits down with Rask's founder and Chief Investment Officer Owen Rask to ask: 'why property?' Some interesting points Owen and Pete reflect on: Pete's journey with property, accounting and shares Owen's journey with starting a business and using property Their #1 mistakes The vital important of making your money work FOR YOU Stop relying on your salary and start getting creative Why property's debt can be a 'good debt' The importance of long-term thinking in property The long-term historical returns of property and why the future outlook might not be as good, but still bright How to use property and shares for a wicked combination A 'never sell' attitude and why it works in property Pete's property expectations for 2024 and beyond ~~ Resources you'll love ~~ Full show notes & more episodes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast episode, the mighty Pete Wargent and not-so-mighty Owen Rask have their Christmas hats on and reflect on the year that was: 2023. Some interesting stats Owen and Pete reflect on: Since March, the Australian Property Podcast was downloaded over 300,000! We now have around 25,000 unique listeners in the community! The most popular episodes this year were the following: Amy's $25k renovation, Renovate & Build for profit with Rebeka Morgan, and property and your tax. The rapid rise of interest rates - from 0% in 2021 to 4.35% by late 2023 The forecasts that were totally wrong Property prices ended the year UP 8%! Pete's 3 things to watch in 2024 ~~ Resources you'll love ~~ Full show notes & episodes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Australian Property Podcast episode, expert buyers agents Amy Lunardi and Pete Wargent explain how to perform due diligence on a property purchase. Topics covered by Amy Lunardi & Pete Wargent include: What is due diligence? Why is it so important? How do we actually do it? What is the cost of getting it wrong? Common big mistakes: Owners corporations, contracts, building permits and certification, titles, easements and access; future issues ~~ Resources you'll love ~~ Full show notes & episodes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Working from home remains popular, but less than in 2021 2 – Aussie housing market impacting retirement system 3 – Generally optimistic 2024 property forecasts from Proptrack Episode Resources Rates https://petewargent.blogspot.com/2023/12/boe-to-cut-6-times-as-inflation-drops.html https://www.asx.com.au/markets/trade-our-derivatives-market/futures-market/rba-rate-tracker Story 1 – Working from home remains popular, but less than in 2021 https://petewargent.blogspot.com/2023/12/working-from-home-numbers-ease.html https://www.abs.gov.au/media-centre/media-releases/working-home-remains-popular-less-2021 https://www.nytimes.com/2023/12/13/business/central-london-office-space.html Story 2 – Aussie housing market impacting retirement system https://www.macrobusiness.com.au/2023/12/australias-housing-market-crashes-down-on-retirement-system/ Story 3 – Proptrack 2024 forecasts https://www.theaustralian.com.au/business/property/property-price-slowdown-tipped-for-2024-proptrack/news-story/1a579290d81e3d5e97e5f86e705fc831 https://www.realestate.com.au/news/sydney-market-forecast-predicts-more-price-increases-in-2024/ https://www.realestate.com.au/news/how-much-melbourne-home-prices-could-rise-in-2024-proptrack-property-market-outlook-report/ ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 – Traffic disaster at Rozelle interchange! 2 – Petrol prices drop 30 cents at the bowser, Fed pivots 3 – Global population growth pushback emerging? Story 1 – Rozelle interchange Rozelle Interchange design issues will be a problem for Sydney's future, experts say ‘Disaster’: frustration boils over at residents’ meeting about Sydney’s Rozelle interchange Rebel Wilson complains she's 'had to get a helicopter to work' due to Rozelle Interchange traffic in Sydney during cringey post filmed on a helipad How Australia’s ‘massive traffic muck-up’ stalled Sydney Transurban hits back at claim it is ‘hiding in the shadows’ amid commuter anger over Sydney’s $3.9bn Rozelle interchange Story 2 – Petrol prices drop 30 cents at the bowser, Fed pivots Petrol prices drop 30¢ at the bowser as oil slumps Powell signals Fed ready to cut rates next year Story 3 – Global population growth pushback 100,000 foreign ‘students’ won’t come or will go home under reforms Labor targets student and some worker visas in overhaul of Australia’s temporary migration program New migration strategy aims to reduce Australian arrivals to 'sustainable level' Immigration fuels Canada's largest population growth of over 1 million Can a zoning ‘revolution’ save Canada from a housing crisis? 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Amazon: https://bit.ly/kate-amazon ~~ Resources you'll love ~~ Access Show Notes Invest with Owen Mortgage Broking Financial Planning Property Coaching 100-point property checklist (PDF) Accounting with Grey Space Business Coaching Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Shane Parrish was on my - Owen Rask - top 10 interview wish list to speak with. Here he is, appearing on the Rask network.  Shane Parrish is a former spy, turn writer, student of life, blogger, author, podcast host and investor. His journey through life is twisted, random but also very deliberate. Today, Shane spends his time helping hundreds of thousands of people, including CEOs, professionals, founders, mums and dads, think and act better.  Shane believes in, and champions, equality opportunity but not necessarily equal outcomes (since outcomes should be earned).  Shane Parrish's biography Shane Parrish is an entrepreneur, investor, and the wisdom seeker behind the popular website Farnam Street where he writes about hidden insights that you can use in life and business.  Parrish is a regular speaker and his work has been featured in places like The New York Times, The Wall Street Journal, and the Economist. His popular "Brain Food" newsletter is sent out to over 600k people each week and his podcast, The Knowledge Project, is one of the top in the world.  Parrish’s popular online course, Decision by Design, has helped thousands of executives, leaders, and managers worldwide learn the repeatable behaviors that improve decision-making results in the real world.  Episode resources Shane's book - Clear Thinking Website: fs.blog Blog: How to remember what you read Blog: getting into reading Tim Ferriss interview with Shane ~~ Resources you'll love ~~ Access Show Notes: https://bit.ly/R-notes Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week’s episode, Chris and Pete cover: 1 - Rezoning changes afoot in New South Wales 2 - Global inflation pulse is starting to fade now 3 - Housing market limping into Xmas Episode Resources Story 1 - Zoning https://eplanning.cityofsydney.nsw.gov.au/Pages/XC.Track/SearchApplication.aspx?id=2164979 https://www.realestate.com.au/news/nsw-orders-councils-to-fast-track-new-low-rise-home-building/ https://www.smh.com.au/politics/nsw/minns-to-lift-council-bans-on-terraces-townhouses-and-low-rise-apartments-20231127-p5en4y.html https://www.sydney.yimby.au/blog/six-storeys-everywhere https://www.nzherald.co.nz/nz/the-front-page-skyrocketing-auckland-rents-give-young-kiwis-more-incentive-to-leave/P2KKTZP3YBEA5A6PJT2AISUQIM/ Story 2 - Global inflation http://petewargent.blogspot.com/2023/11/inflation-cools-to-49pc.html https://www.macrobusiness.com.au/2023/11/cba-aussie-inflation-may-print-with-a-3-handle-by-december/ Story 3 – Housing market limping into Xmas https://www.corelogic.com.au/news-research/news/2023/heat-comes-out-of-the-housing-market-as-values-across-melbourne-dip-and-sydney-slows ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Buyer's agent and licensed real estate agent Amy Lunardi and Chief Investment Officer Owen Rask are back to explain exactly how, what, why and when to sell a property.  Whether you're upgrading, 'side-grading' or downgrading a property, selling is often the forgotten but extremely uncertain part of the property investing and owning process. So how do you do it? Do you sell your current property first? Do you buy a property first? Do you pay for styling? How do you find a real estate agent? Is it worth paying for online advertising? How much does it cost? Should I get more than 3 real estates' opinions? Is selling in spring a bad idea? All this and more is answered by Amy Lunardi and Owen Rask in this episode of The Australian Property Podcast. 📚 Enjoyed this episode? You might Kate Campbell's new book, Buying Happiness, which you can order on Booktopia or Amazon. ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week's episode, Chris and Pete cover: Auction slowdown clipping house price momentum Airbnb is a thing, but not the only thing High house prices are killing off our entrepreneurs 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Booktopia or Amazon. ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Chris and Eliza discuss: CoreLogic's extensive property database and some of the key metrics they track How long it takes to sell a property right now & factors impacting price growth The current rental market conditions and changing household formation Episode resources: CoreLogic website Pain and Gain Report ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week's episode, Chris and Pete cover: Queensland doubles FHOG to $30,000 – new builds Melbourne bursting at the seams Prepare for a boom in new faulty apartments Episode resources: FHB Grant: https://www.abc.net.au/news/2021-09-22/qld-annual-figures-social-housing-waiting-list/100480968 Will Melbourne's construction hell ever end? https://www.theage.com.au/national/victoria/i-get-that-melbourne-is-a-growing-city-but-will-this-construction-hell-ever-end-20231106-p5ehuc.html Prepare for faulty apartment boom: https://www.macrobusiness.com.au/2023/11/prepare-for-a-new-boom-in-faulty-apartments/ 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Booktopia or Amazon. ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Kate Campbell talks to expert mortgage broker Chris Bates about the essential questions you should be asking your mortgage broker in this episode of The Australian Property Podcast. Want Chris and the team to help on your property-buying journey? Get in touch with the team at Blusk here! 👀 Here are some of the key points we cover in this episode: Buying a house is a big financial decision – you need the right team in your corner Finding a professional you feel comfortable working with makes a huge difference Getting you a better rate can save a lot of $$$ long term Can help answer your questions about the loan process and how everything works How early on your home-buying journey should you talk to a broker? Are they licensed to give you credit advice? Search for credit rep or licensee on ASIC Connect’s Professional Registers How to find a good mortgage broker? Any red flags? How do brokers get paid? ✅ Essential questions to ask your mortgage broker Are you able to help me with my circumstances? Ie. some brokers deal with smaller clients, investment properties, small businesses What range of lenders do you have access to? Any you can’t access? What timeframe should I be expecting? How will you keep me updated? Once they’re recommended a loan: why is this a good fit? How does this compare to other options? What features does it have (e.g. offset)? What fees do I need to be aware of? Future looking: How often will you review my rate in the future to ensure I’m always getting a great deal? Can you help with my next move? Borrowing Capacity – Educate on how it increases and decreases? What can I do to improve my borrowing capacity? ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week's episode, Chris and Pete cover: Real incomes falling in Australia due to inflation The rise of land lease estates A proposal to break the rental gridlock by Stuart Wemyss Episode resources: - Australian households suffer world’s biggest income collapse: https://www.macrobusiness.com.au/2023/11/australian-households-suffer-worlds-biggest-income-collapse/ - Land lease estates (AFR): https://www.afr.com/property/residential/what-s-to-like-or-not-in-12b-land-lease-housing-sector-20231108-p5eifx - A proposal to break the rental squeeze: https://petewargent.blogspot.com/2023/11/rental-squeeze-pressure-resumes.html 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Booktopia or Amazon. ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Property/Business Podcast, Rask's Chief Investment Officer Owen Rask and Alex Luck, co-founder of Everest Wealth, answer your financial planning questions and tip-toe around the important topics of Super and insurance. Every week, Rask's panel of experts answer your questions, no matter which channel you list to. ASK YOUR QUESTION: https://bit.ly/3QtiY00 In this episode, Owen Rask & Alex Luck cover: 1. How much does it cost to get financial advice and how does it work? 2. What are the most common 'problem areas' in someone's financial life? 3. Can I claim on two insurance policies at once? Trauma/Critical Illness and Income Protection 4. Do I pay tax if I don't get dividends or sell my shares? 5. Why is Owen/Rask no longer bullish on Core Lithium (ASX: CXO)? Because we never liked it! 6. How can I invest for my kids? ~~ Resources you'll love ~~ Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The RBA has just raised interest rates... on Melbourne Cup day! In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK to cover the RBA's news and more. Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week's episode, Chris and Pete cover: The rate rise we had to have? RBA lift rates 0.25% Foreign buyers are returning to property - what does it mean? Regional properties are back... or are they? Resources you'll love Rask Invest - Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 Resources: Pete's blog on RBA raises: https://petewargent.blogspot.com/2023/11/rba-hikes-rates-to-435-per-cent.html Are global rates peaking? https://petewargent.blogspot.com/2023/11/global-interest-rates-peaking-out.html Foreign buyers are back? https://www.macrobusiness.com.au/2023/11/foreign-raiders-launch-fresh-assault-on-australian-property/ INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Property Podcast, buyers agent Amy Lunardi and Chief Investment Officer Owen Rask tackle the hardest question for property buyers: is the Australian property market really getting away from you? How do you know if property prices are getting away from you, or if you just think they are? Amy Lunardi has a 6-point self-reflection checklist: Have you stress-tested your property brief? Are you being too fussy? Have you adjusted to the market? Are you being proactive with real estate agents? Are you treating the property search as a job or a hobby? Do you *really* feel confident in what you are doing? If in doubt, consider seeing a professional! This is a fantastic Australian Property Podcast episode for anyone looking to buy a property.  ~~ Resources you'll love ~~ Rask Invest - Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, six-time author Pete Wargent and Blusk founder Chris Bates are BACK! Every week, Chris Bates and Pete Wargent jump on the Australian Property Podcast airwaves to answer your questions or cover the top 3 property news stories of the news. Don't forget to send Chris and Pete your questions! In this week's episode, Chris and Pete cover: Are developers deliberately worsening the rental crisis? Economists have released their 2024 property price forecasts... and it's looking up, and Who's still spending on property and travel? Resources you'll love Rask Invest - Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 Resources: Developers pumping rents: https://www.macrobusiness.com.au/2023/10/developers-deliberately-worsen-australias-rental-crisis/ PropTrack Q3 Rental Report: https://petewargent.blogspot.com/2023/10/rental-crisis-to-worsen-again.html AFR: Economists tip price rises in 2024: https://www.afr.com/property/residential/economists-tip-property-prices-to-rise-8pc-in-2024-20231024-p5eepf The Australian: splashing on property & travel: https://www.macrobusiness.com.au/2023/10/developers-deliberately-worsen-australias-rental-crisis/ INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Buying a property is always a smart decision...right? When it comes to our money, the best financial decision isn't always the decision that's going to bring us the most happiness, so it's really important to check back in with our goals and values. In this episode of the Australian Property Podcast, Amy Lunardi chats with financial educator and author of Buying Happiness, Kate Campbell, about how to enjoy the first home-buying process and not postpone our happiness until we reach the destination. Resources you'll love Rask Invest - Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Buy Buying Happiness Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this 2 Sense episode of The Australian Property Podcast, property coach Pete Wargent and Australia's top mortgage broker Chris Bates take on the top 3 property stories of the week. On The Australian Property Podcast this week: Australia home ownership to fall? Where property demand is set to soar Harry Triguboff pleads for no rate hike as insolvencies soar Resources you'll love Rask Invest - Invest with Owen: https://bit.ly/R-invest Mortgage Broking: https://bit.ly/broke-rask Financial Planning: https://bit.ly/R-plan Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting with Grey Space: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach Ask a question: https://bit.ly/3QtiY00 Ownership to fall: https://www.macrobusiness.com.au/2023/10/home-ownership-dream-fades-to-black/ Property demand to soar: https://www.afr.com/property/residential/where-property-demand-is-set-to-soar-20231019-p5edif Triguboff pleads for no rate hike: https://www.theaustralian.com.au/business/triguboff-pleads-for-no-rate-hike/news-story/bebd59bb1fd88aaf9f59944925c44751 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group’s Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Australian Property Podcast, Mortgage Broker Chris Bates is joined by Carlos Cacho, Chief Economist at Jarden. Carlos and Chris will be giving us their litmus test on the market, economic expectations, policy, and prices. On this episode: Banking and borrowing capacity What we are seeing in the rental market & what we think will happen How the wealth transfer is effecting property buyers Immigration and housing supply Drivers of supply and demand for housing Inflation expectations Housing policy What we are seeing in the construction sector Monetary Policy and mortgage stress Refinancing - how this has given home buyers a bit of a cushion to offset some rate hikes Tailwinds that could face Regional vs capital cities Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the latest edition of 2 Sense on the Australian Property Podcast, where we break down the biggest news headlines of the week and tell you what this really means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent discuss mortgages swallowing 1/5 of households, overseas students driving migration, and investor exodus in Sydney and Melbourne.  Story 1: Mortgage monster swallows 1 in 5 households The cash rate target has gone to 4.1%, and may even rise further and repayments exceed incomes in some households  Why? Overstretched? Over-leveraged borrowers? Other costs of living have soared What next? Unemployment up? Arrears up? Defaults? Forced selling? Story 2: Indian Students migrating to Australia and Canada Population growth is at record highs – a huge driver is the return of international students India is taking over from China and is a key driver of population growth India is a different economy from China, and won’t need as much of our minerals  SQM reports that rental vacancies are going to hit all-time lows in October  What next? Population growth should normalise once student figures normalise Story 3: Investor exodus gathers steam in Melbourne and Sydney More stock listings are accounted for by investors selling off Where? Mainly Melbourne especially inner Melbourne  Why? Cashflow sensitive, offloading underperforming assets (and Melbourne units have been) What next? Investor financing is actually also rising, so it’s a tug of war in both directions. New listings are up, but are being absorbed too. Australian Property Podcast resources: Story 1 Story 2 Story 3 Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Australian Property Podcast, expert Buyers Agents Pete Wargent and Amy Lunardi are giving you a crash course of everything you need to know about building and pest inspections. We're covering: What building inspections are for and what they cover: Major defects Minor defects Safety hazards Which properties to get one on? When to do them? Questions to ask your inspector before engaging them Questions you can ask the inspector/should ask after the inspection Should you go with them? How to find an inspector Buying existing reports Limitations of building inspections Determining repair costs Other inspections (plumbing, structural, moisture)  Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the latest edition of 2 Sense on the Australian Property Podcast, where we break down the biggest news headlines of the week and tell you what this really means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent discuss the housing shortage forcing people to turn to granny flats, property investors driving a mortgage rebound, and why 1/3 of builders are losing money. Story 1: Desperate Aussies turn to granny flats CoreLogic economist Eliza Owen notes the following reasons why the rental market is still so high: (1) a shortfall of rental listings at a time when people are once again migrating to Australia in big numbers, (2) a growing desire among people post-pandemic to live in bigger homes with fewer people and (3) shortfall in investors building new properties for renters as interest rates have risen. Not such good news for renters in the short term as there's going to be some pain as we continue to see strong flows of net overseas migration. What's next? Story 2: Property investors drive mortgage rebound According to the Australian Bureau of Statistics (ABS), overall mortgage commitments rose by 2.2% in August, with owner-occupier commitments rising by 2.6% and investor mortgage commitments rising by 1.6%. The rebound in overall mortgage growth is being driven by investors, with the value of investor commitments almost back at the 2015 peak. While a higher than usual share of investors are selling, there are also more investors purchasing The situation facing property investors should also improve over the coming year given the rental market is experiencing record tightness, population growth is booming, prices are rising, and reduced construction levels. What's next? Story 3: A third of large builders are losing money Despite talk of greedy developers, many are going bust, and a third of larger developers are burning negative cashflow according to the FSR released by the Reserve Bank of Australia. Materials cost inflation slowed to 0.2% in the September quarter (Coredell), but wages are still under pressure due to skills shortages across the construction sector because of thin margins, leverage, rising interest rates, and soaring costs. It is expected to have more insolvencies, undersupply, unit rents to rise, and units to outperform for the next year or two in the capital cities. Australian Property Podcast resources: Story 1 Story 2 Story 3 Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a Tuesday edition of 2 Sense on the Australian Property Podcast, where we break down the biggest news headlines of the week and tell you what this really means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent discuss Chinese buyers roar back, Aussie property prices hit record highs, and how El Ninois impacting farmland  Story 1: Chinese buyers return to Aus property As Chinese students and migrants return to Aus, pathways to foreign buyers pick up again. Enquiries are up 76% YoY in Q2 (Juwai) after 3 years of lockdowns FIRB saw approvals rise 40% over the year for Chinese buyers in FY2023, with a boom in the June quarter this year   Where? Mostly a Sydney/Melbourne dynamic, and more into larger homes this time around – houses and townhouses more than small units  Why? Chinese borders reopened in January so there is a lag effect at play here, and we are now seeing the catch-up Capital flight, aspirational to own Aus property and move to/live in Australia What next? Story 2: Aussie property prices return to record highs (The Aus, PropTrack) Prices fully recovered downturn by September 2023, a bit different from what some have forecast!  Where? Adelaide, Brisbane, Perth, and Sydney just -0.3% below the record  Why? Record population growth, few forced sellers, low stock, rising rents, soaring building costs  What next? Steadier growth into 2024 and 2025  Story 3: Farmland returns drop to 8-year low on El Nino Farmland impacted by weather, foreign owners have sold to lock in gains at high prices Why? Cyclical, weaker commodity prices, El Nino, and some sellers locking in gains What next? Foreign ownership to rebound as the world opens up, FIRB restrictions have had an impact Australian Property Podcast resources: Story 1 Story 2 Story 3 Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this special episode of The Australian Property Podcast, where we help you break down everything you need to know about the market and your property. On this episode, Mortgage Broker, Chris Bates is joined by George Morice, chartered accountant and director at Prime Partners. Chris and George are discussing what you need to know from a tax perspective throughout your property journey. Chris and George will be discussing: Tax mistakes Opportunities Things to avoid Myths First home buyers Capital gains tax Investment Properties Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Property Podcast, we are discussing guarantor loans. Buyer's Agent Amy Lunardi is interviewing our resident mortgage broker Chris Bates on the ins and outs of guarantor loans. For first-home buyers (or seasoned buyers), getting a deposit and entering the market can be challenging and guarantor loans can act as a very powerful tool. We discuss: Ways to enter the market what options are available have what are the considerations what you need to know to make an informed decision Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's edition of 2 Sense on The Australian Property Podcast, where we take a look at the week's most interesting news headlines and break down what this means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent are discussing unit shortage, Melbourne house price jump, and Victoria's new granny flat policy. Story 1 – Unit shortage looming over Aussie housing market (CoreLogic) There is set to be a housing deficit of 175,000 by 2027 (NHFIC) Why? Above average population growth, below average completions Where? Not everywhere. Brisbane, Perth, Adelaide, some parts of Sydney and Melbourne What next? Vacuum in units supply until 2027, falling cash rate could fuel a stronger price boom Story 2 – Melbourne house prices to jump 12pc in 2025 KMPG releases home price forecasts Why? They always do? Are they useful? Fool or forecaster reports? Where? Melbourne houses and units, Sydney houses and units, but actually gains before for all of the capital cities out to 2025 due to rising demand, and falling interest rates, and more foreign investment What next? Story 3 – Dan Andrews granny flat announcement and 7.5% short stay leases tax What? Second dwelling in Victoria under 60sqm won’t require a planning permit Why? Another kneejerk policy reacting to the shortage of dwellings Where? State of Victoria. NSW has similar policies already? What next? Boom in building granny flats. Impact on the rental market?  Considerations CGT, subdivision rules, etc? It appears to be the government’s intention that they could be rented out, though not yet legislated as such. Busier cities, lower living standards? Risks? Insurance? Planning permits Australian Property Podcast resources: Core Logic AFR Victorian Government Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to invest your time and money better? Then listen to THIS episode. Owen Rask interviews host of The Australian Finance Podcast and brand new author, Kate Campbell, about her book, Buying Happiness: Learn to invest your time and money better. Kate discusses her journey into investing, why she wrote a book on money and happiness, how our community is boosting their happiness and some practical ways you can use your money and time to improve your life right now. 📚 Enjoyed this episode? You'll love Kate's book, Buying Happiness, which you can order on Booktopia or Amazon. 🎟️ We're going on the road from September - October 2023; get your tickets here! *** Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This is a cross-post from the Australian Finance Podcast. Owen Rask is hosting a Q&A with the founder of Blusk and mortage broker, Chris Bates. Chris & Owen discuss what a 'good asset' in property looks like, what to do if you can't afford your dream house, deciding on fixed or variable, upgrading and property deposits. Chris Bates was recently voted the #1 mortgage broker in Australia by The Adviser! Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's edition of 2 Sense on The Australian Property Podcast, where we take a look at the week's most interesting news headlines and break down what this means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent are discussing the population boom, labour market & reasons why rents could slow. Story 1: Population boomed by a record +182,000 in Q1 Population growth accelerated to +182,000 in Q1 – highest ever – that’s 2,000 people per day. Catching up COVID and alleviating the labour shortage Why we can’t build for this kind of growth Where? Victoria, Queensland, and NSW all got massive growth What next? A big debate about whether this is responsible policy given the housing shortage Story 2: Slack increases in the labour market The economy is still adding jobs, but measures of underemployment and underutilisation are now rising Why? Record immigration and slowing economy Where? Most states are slowing, mainly driven by slack in Sydney and Melbourne What does it mean? Slower wage growth going forward, interest rates to peak Story 3: 3 reasons rents will slow in 2024 Eliza Owen from CoreLogic identified 3 reasons why rents will slow in 2024 rents move with interest rates softer incomes growth rental affordability becoming stretched in some areas What does it mean? Good news for inflation and renters Australian Property Podcast resources: Australian Unemployment Core Logic Study Pete's blog Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's edition of 2 Sense on The Australian Property Podcast, where we take a look at the week's most interesting news headlines and break down what this means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent are discussing: business insolvencies hitting a 15-year high, why office towers are taking a major hit & Australian population surge driving rental vacancies to a new low. Story 1: Business Insolvencies Hitting a 15-year High Firms are starting to fail as the cost of capital rises Why is this happening? The business cycle has been unusual, stimulus could have papered over the cracks Big surge in small business failures, rising unemployment, and a fall in employment, particularly in the retail segment What does it mean for property?  Distressed sales are still low for now. The unemployment rate is still 3.7% Story 2: Office towers to take a major hit (according to a recent Morgan Stanley report) ABS value of dwelling stock rose $325bn in the June quarter to over $10 trillion, driven mainly by increases in the mean dwelling price in NSW (+$32k) and QLD (+$26k) However, Morgan Stanley reports office tower valuations could fall another 10-15% Why is this happening? Working from home phenomenon has persisted, at least for 3 days per week  What does it mean? This could be interesting news for REITs and super funds What does it mean for property? Commercial office prices to fall  Story 3: Record low rental vacancies Record high population growth, and record low rental vacancy rates. International arrivals in January hit 1.7m, the highest since January 2020 Why is this happening? Temp visas are at a record high of 2.55m, including a record 650,000 international students, with population growth at 2.4%. What does it mean? Despite this, the rental market seems to be a bit steadier and less panicked  What does it mean for property? Ongoing rental shortages and pressures to continue for the next 2-3 years? Australian Property Podcast resources: ABC - Insolvencies REA Housing Crisis International Students Pete's blog Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Property OR shares (or a bit of both)?! In today's episode, we're opening the can of worms that many Australians can relate to: the great debate over investing in property or shares. Kate Campbell moderates the debate between Owen Rask (team property) and Tom Wilson from InvestSMART (team shares). Who won? Let us know via Instagram. Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's edition of 2 Sense on The Australian Property Podcast, where we break down the biggest news headlines of the week and tell you what this really means for you. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent talk about pattern book housing, stronger market dynamics, and the future of Australia. Story 1: Pattern book housing proposal for NSW A new proposal launched by Housing Group Now to speed up the supply The proposal: 375,000 dwellings in 5 years, building up 30 medium-density suburbs across the city Benefits: Supply increases if it speeds up building approvals and projects Risks: Quantity over quality, cutting of corners, defects, etc  Story 2: Stronger market dynamics, could buyer FOMO explode? With the rate on hold for the 3rd consecutive month and household consumption now slowing, buyer FOMO is set to explode Listings rose in August in Sydney and Melbourne as vendor confidence grows Westpac calling next move down in 2024  Story 3: Intergenerational report reveals what Australia could look like in 2063 Population projections 43 million in 2063 (we usually overshoot the projections) Estimate large ageing population and young migrants The healthcare sector will require huge investment and employment (noteworthy for housing and commercial property too)  The expectation is that there will be a large investment in renewables Tax: Australia may need to shift the focus away from income taxes which are already very high, towards other forms of tax e.g. inheritance, land tax, higher GST etc Australian Property Podcast resources: Story 1 - Pattern Book Housing Story 2 - Buyer FOMO Story 3 - Intergenerational report Pete's Blog Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Australian Property Podcast, Buyer's advocate Amy Lunardi and Rask founder, Owen Rask are discussing how to develop a property brief. They will talk you through what exactly is a property brief, where it should sit within the buying process, and how this differs from your strategy. So, what is a property brief? A condensed idea (ideally written down) on exactly what you are willing to purchase, this includes budget, location & characteristics of the property. Amy and Owen are going to double-click on how to develop your property brief so that you can implement this in your own property journey. On this episode: What is a brief? Brief vs strategy Why do you need one? Home vs investment brief Breaking down each of the elements: Budget Locations Non-negotiables & bonuses Doing a reality check Mistakes Amy often sees made (not doing it at all, not doing it thoroughly enough, maybe locations, bonuses vs non-negotiables, not being on the same page, not doing the reality check, saying “would consider if was…”) Tradeoffs and compromises Communicating your brief to agents Changing the brief over time  Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg  Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's 2-Sense on The Australian Property Podcast, where the team takes a look into the top 3 property news stories and breaks down what this means for you and your property. Buyer's Agent Pete Wargent and Mortgage Broker Chris Bates are discussing the regional market, underuse of dwellings & lending buffers in this week's episode. This week's stories: Story 1 – Regional Markets Under Pressure Migration patterns are now normalising post COVID Capital city prices up 1% in August, closing in on previous highs, but some regional markets are under pressure and are now seeing price declines CoreLogic’s latest regional market analysis shows interest rates are impacting regional Australia more than in the big cities On the plus side inflation figures did ease – and building costs and building approvals are slowing   Pre-retirees selling homes to fund retirement Story 2 – 1.3% of dwellings unused Only 1.3% of dwellings appear to be unused according to electricity use It’s a lot different from the 10% talked about on Census night when people are often travelling or overseas What does this mean for holiday homes and Airbnb? Some Airbnb properties are doing 10% yields How is this impacting rental markets? Thoughts on regulations and whether they are a good investment? Story 3 – Lending buffers – non-banks pushing the envelope Pepper is now using a 1% buffer for some investors Is 3% too tight? Shayne Elliott of ANZ says the settings are wrong Peter Tulip also says it’s paternalistic and unnecessary What happens next and when? What do we think will happen with interest rates and borrowing capacity in the future?  What we think could occur for first home buyers who want to enter the market  Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Property Event with Pete & Chris Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Australian Property Podcast, Mortgage Broker Chris Bates is joined by Jamie Nemsis founder of Wattle Partners, a prominent financial advisor and retiree specialist. Chris and Jamie are deep-diving into where wealth is sitting and how this is affecting property. Together they discuss the wealth mindset of Baby Boomers, wealth transfer, and retirement. About Jamie Nemsis: Jamie is one of the founders of Wattle Partners. Having been in the industry for more than 20 years. Jamie’s career spans the corporate and private sectors, growing and building businesses across financial services. Wattle Partners is one of Australia's most respected advisers, and are specialists in retirees. Insights into the minds of Baby Boomers  How do pre-retirees feel about their home, debt, and investment properties coming into retirement? How do retirees feel about downsizing or treechange? The opportunities and challenges? How has property built wealth for Baby Boomers? Have they made more or less money from residential than other asset classes?  Jamie's personal view on property Financial Advice industry - Jamie's thoughts on conversations around their biggest single assets usually their home/investment properties and debts How do clients feel about helping their kids? If they have enough, do they want to, and even if they don’t have enough? Are they worried about future generations or feel they just have to figure it out for themselves? How are they helping their kids and often grandkids? Conversely, How should kids approach their family for help with their property moves? Do they often underspend post-retirement and under save going into it? Buying Residential Property In SMSF Jamie's take on the new Super Tax on bigger balances? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's episode of 2 Sense on The Australian Property Podcast, where we break down the news headlines and tell you what this means for you and your property. Buyer's Agent Pete Wargent and mortgage Broker (who also has just been awarded Australia's #1 mortgage broker), Chris Bates, are discussing how spare rooms are causing undersupply, Evergrande collapse & Brisbane house pricing. On this episode:  Story 1 – Scott Keck article on using our spare bedrooms His point? There are so many empty bedrooms in Australia that never get used if you are looking at the Census numbers. And we are now in a rental crisis.  What does it mean and why? Policies to make more efficient use of the housing stock What do we think will happen? Incentives to allow borders without CGT implications? Key takeaways for property investors and homebuyers? Story 2 – China’s 2nd largest developer Evergrande collapsed What happened and why? $81bn losses over 2 years as Chinese real estate market sinks Chapter 15 bankruptcy in New York filed and creditors are scrabbling to recover debts What does it mean for China? Recession, deflation, stimulus? Risk of Contagion? What does it mean for Australia? Commodity prices like iron ore are under pressure, Chinese developers exiting, and capital flight from China to Aus Should we be worried? Watch closely, but don’t panic Story 3 – Brisbane becomes house price leader Brisbane housing prices up 4% over the past 3 months, ahead of Sydney What does it mean? The downturn has been fairly shallow, on average. Some property types have done better than others. Units have done well, first time in 12 years as borrowing capacity is down.  What do we think will happen? What are people buying? Focus on quality, flood-free, 10-year horizon out to the 2023 Olympics.  Implications for investors and homebuyers? Quality stock levels are still quite tight, need to be clear on your brief and decisive and do your DD. Fundamentals for Brisbane are strong – high population growth and a stock shortage, and the state Budget appears robust Australian Property Podcast resources: https://www.macrobusiness.com.au/2023/08/rental-crisis-forces-australians-into-share-housing/ https://www.linkedin.com/pulse/my-thoughts-accommodation-crisis-scott-keck/ https://www.theguardian.com/business/2023/aug/18/chinas-struggling-property-giant-evergrande-files-for-bankruptcy-protection-in-us https://www.macrobusiness.com.au/2023/08/brisbane-becomes-house-price-leader/ Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

We are talking negotiation do's and don'ts on this episode of the Australian Property Podcast. Property experts Pete Wargent and Amy Lunardi are discussing what situations you will need to negotiate, what to look out for, the price versus terms, and mistakes to avoid when you are considering buying a property. On this episode of the Australian Property Podcast In what situations will you need to negotiate Is there such thing as a 'normal' negotiation? Price vs Terms how to be creative with your conditions how to make your offer as appealing as possible Negotiation Mistakes Making assumptions  Letting emotions get in the way - how this might differ if you're buying a home or investment property How to determine the market value as well as the personal value Circumstances changing (vendor's position changes, buyers find another property) Lowball offers - considerations Importance of maintaining a good relationship with an agent  Our negotiation tips Leave the ego at the door Work with rather than against the agent - communicate your wants and needs Being clear with your offer to the agent Use open-ended conversations/questions Assess risks Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week’s 2 Sense where the Australian Property Podcast team discusses the latest news headlines and breaks down what it means for your property. This week Buyer’s Agent, Pete Wargent and Mortgage Broker, Chris Bates shrinking lot sizes, price surges, mortgage resets & new proposed policies, Story 1 – Lots shrink and prices surge Land prices up significantly over the past decade, according to the HIA  Particularly large increases in Sydney and Hobart with the lowest in Perth Lot prices have also shrunk. Price per square meter is up 200% in Sydney How are smaller blocks affecting the housing market? What are the drivers? Population growth, slow land release, or both? What does it mean for housing going forward?  Story 2 – Mortgage cliff a mirage  Fixed-rate mortgages will reset from 2% to 6% for many borrowers, meaning a total of $350bn of loans in total to reset (out of $2tn mortgage debt in Aus)  What does it mean?  Will we see a reduction in consumption, and some will go into arrears to be forced to sell?  Are we halfway through the cliff now? Arrears have increased a bit (CBA results, Bendigo Banks, etc), but not too much so far  How long to go? The rest of 2023, but looks promising to date, so will the market drop as a result? Story 3 – New housing supply target The government has increased the target to 1.2m homes over 5 years to 2029, and a renewed focus on renter rights Prime Minister has backed away from the rent freeze (reduction in supply) Why is it proposed? Undersupply is looming, and record population growth Will it happen? We have never built over 225k in a year before, so 240k a year for 5 years is a huge ask.  What about the quality? Defects, leaks, structural issues? There will be increased pressure on materials prices and we don’t have enough skilled labour. What does it mean for property? The big push for land release and rezoning. Caveat emptor with new builds. Learn more about your ad choices. Visit megaphone.fm/adchoices

A question that many property owners and sellers want to know - how to deal with real estate agents! Buyer’s Agents Amy Lunardi and Pete Wargent tell you what to look out for, what questions to ask, and how to approach speaking to agents Sometimes it can feel like agents are in a position of power, but we hope this episode can empower you with the knowledge of what to look for and what questions to ask. On this episode of the Australian Property Podcast Who are you dealing with, and how to interact with real estate agents How to make initial contact with agents - how that will differ during different stages of your purchase journey How to negotiate and have conversations when working with an agent  Auctions vs sale by private treaty - how this impacts the way you interact with your agent Do’s and Don’ts when dealing with real estate agents In this episode, we hope to give you insights in order to put yourself in a position where an agent is happy to deal with you, clear with your brief, and ultimately get you into your desired property Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Invest With Queenie Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week’s episode of 2 Sense, where The Australian Property Podcast experts are breaking down some of the week’s most interesting news headlines. This week Buyer’s Agent Pete Wargent is joined by Rask founder, Owen, and are discussing the rental shortage in Melbourne, recent upgrades in price forecasts, and what the greatest intergenerational wealth transfer means for the property market. On this episode of the Australian Property Podcast: Melbourne’s rental shortage to worsen? Melbourne's vacancy rate is now 0.8%, down from 1.7% a year ago, and rents rose 12.6% from a year ago What does it mean for property owners and tenants? Expanded land tax for landlords is due to come in for landlords from 1 January 2024 3 Talk of rent controls. Are some landlords exiting early or investing elsewhere? What does it mean for property? What should listeners consider doing, if anything? Westpac updates dwelling price forecasts Westpac has upgraded price predictions with Sydney to rise 20% from 2023 to 2025, Melbourne up 9%, Brisbane up 13%, and Perth 20% What does it mean? What are some of the reasons behind this? Low stock listings, high population growth, undersupply expected, and interest rates about to peak. Sydney Shortage Over the weekend, The SMH reported how Sydney faces a shortfall of at least 134,000 dwellings over the next five years amid the Albanese Government’s record immigration program Core Logic Data shows that Sydney house prices continued to climb in July, rising by one percent to an even more unaffordable, despite the Reserve Bank’s 12 interest rate rises since May 2022. What could this mean over the long term? Intergenerational wealth transfer A recent study by research house McCrindle estimates this generation will inherit the colossal figure of $3.5 trillion from their parents over the next 20 years. What we think this means for property Early inheritance on the cards for some Gen X’ers, Parents helping kids onto the ladder Estate planning Implications for the FIRE community etc Australian Property Podcast resources: Westpac forecasts AFR - great wealth transfer How to help your kids onto the housing ladder – Stuart Wemyss Die with Zero - Getting All You Can from Your Money and Your Life Australian Property Podcast online - videos, notes & resources Invest With Queenie Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Australian Property Podcast, we are joined by a very special guest, Queenie Tan. Queenie is one of Australia’s most loved content creators. You might have seen or heard her on The Australian Finance Podcast, in our Rask Education courses, or on her own social media where she shares her tips and tricks to help your money go further. Queenie is joined by Rask founder Owen and Buyer's Agent Amy Lunardi as they discuss her property journey so far and her future goals. On this episode of The Australian Property Podcast: How Queenie bought her first property Why she bought her property What she looked for when choosing a property i.e. location, amenities, transport How you can build your property goals and your property why Renovating your property, cost, DIY, shopping around for professionals Rentvesting 101 Considerations on how much you want to spend Borrowing when you are self-employed What are Queenie's next property goals and aligning those goals with personal goals? How working with property professionals can help you understand your property options Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Invest With Queenie Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week’s 2 Sense on The Australian Property Podcast, where we look at the latest property news and headlines and give you a breakdown of what this means for your property. This week Buyer’s Agent, Pete Wargent and Mortgage Broker, Chris Bates are covering how easing inflation levels may affect interest rate hikes, what is happening to foreign investment in Australian property and taking a look at overseas markets. On this episode: Easing inflation for Q2 The inflation level fell 0.8% for Q2, we take a look at some of the factors that contributed to this number Bond markets betting on potentially no further hikes (and possible rate cuts next year) What are some of the inflation risks that still exist? Rents, energy, oil prices, insurance, other services etc What these new figures are doing for property sentiment Chinese developers exiting the Australian market With more insolvencies this month and apartment projects in limbo, we take a look at why developers are finding it more difficult to make a profit in today’s market What this might mean for supply shortages What is happening with demand from foreign buyers?  Canada property booming, despite higher rates What’s happening? What are some of the driving factors? Strong demographics, with record population growth What do we take from this and the implications for Australia?  Understanding supply/demand imbalance Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources AFR Inflation AFR Foreign Investment Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Australian Property Podcast, Buyer's Agent Pete Wargent and Mortgage Broker Chris Bates are answering some of your property questions. The guys are covering everything from holding, selling, or renovating your property, types of home loans, how to work with property experts and how to find a target rental tenant. On this episode: Renovate, Sell, or Hold? What economic factors are impacting the housing market and how to make decisions regarding your assets Types of loans - fixed vs variable What is better during the long term with rising rates? Can you make changes to your loan? what are the implications? How to offset accounts work? Working with mortgage brokers What are the types of brokers you can work with and what to look for when deciding to work with a professional Preapproval 101 Finding a target rental tenant What sort of research you should be doing How to profile and suburb or an area Off-market opportunities Is it worth hiring a buyer's agent and what to consider when you're staying within a budget Benefits of using a buyer's agent and what they can really offer How to determine what a 'good asset' is Established/new, location, scarcity, demographics, turnover HEMs on your home loan application What are banks looking for to ensure you can afford your loan Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Sunday morning the Australian Property Podcast gang breaks down the biggest news stories of the week. Mortgage Broker, Chris Bates and Buyer's Agent, Pete Wargent are talking about inflation, housing supply, mortgage stress & potential rent controls. With inflation figures lower than expected, how do we expect the housing market to shift? Chris and Pete discuss some of the latest research and what they are seeing in the market. On this episode of the Australian Property Podcast: Jarden Research shows that new listings are above average, and more listings are coming to market in Sydney. Could this be a start of a wider trend? Refinancing numbers - increasing numbers of people unable to refinance, will this mean more investors sell off their properties? The report highlighted the low levels of listings over the past year, however, there has been an unseasonable jump in listings over the last month - is there a shift in market sentiment? Where are these new listings? Mortgage stress & arrears Both personal and house loan arrears are rising across all the data sets, we take a look into where the stress is emerging over the country. Victoria rent controls What this could mean for your property & housing supply How do rent controls work? What restrictions and or taxes could we see to come in on Airbnbs? Australian Property Podcast resources: The Australian Mortgage Arrears Data Victorian Rental Policy Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Australian Property Podcast, Buyers Agent Amy Lunardi and Rask founder Owen Rask are joined by Rebeka Morgan from Buildher Collective. BuildHer Collective helps women build and renovate their homes through her community. Rebeka used her experience in construction to guide her clients and community to understand that property development is more accessible than it seems. She has helped countless people around Australia, as well as Amy herself! On this episode, we are covering the business Rebeka has built and understand the different options you have if you're looking to renovate or build for profit. On this episode of the Australian Property Podcast: How can ‘regular’ people make money through renovating & building? In what situations have you seen it done well? And not so well? Some of the common mistakes when renovating Misconceptions people have when it comes to developing (small-medium scale) How can you figure out how much a project might cost What kind of profit margins should you be aiming for when considering developing/renovating and why? How people generally finance build costs Some of biggest risks to consider when developing & renovating How do you find reputable people to work with? Builders, architects Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road BuildHer Collective Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week's episode of 2 Sense, where we cover everything you want to know about the most important news headlines of the week.  Buyers Agent, Pete Wargent and Mortgage Broker, Chris Bates will be breaking down what the headlines mean for you as well as answering some of your questions. We'll be covering everything from construction to the new Governor of the RBA as well as how student intakes are affecting the housing shortage. On this week of the Australian Property Podcast:  Construction costs finally easing, but where are we building? Construction cost growth is the lowest since 2020, so what is happening with construction levels? Total dwelling commencements rose 14.0% to 46,546 dwellings in the March 2023 quarter Cost pressures from inflation are finally easing Location and prices of property What areas are driving demand and value? How aspects of homes determine property demand and value How infrastructure development is adding value to homes Locations that have a 'village' aspect are adding value to property prices New RBA Governor Michele Bullock has been announced as the new RBA Governor, the first female Governor What we expect to change within the RBA policies Students taking the housing shortage to a new level Record number of international student intake, over 500,000 visas issued for FY2023 How this is impacting the already meaningful housing shortage How this can be beneficial for labour shortages and wage growth pressures Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road McGrath Research Macrobusiness Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you actually get a mortgage? How do you get a loan for a property and what happens on settlement day? Work with Chris: Rask + Blusk mortgage broking In this Australian Property Podcast episode, Chris Bates, the founder of Blusk who was recently voted one of NSW's top mortgage brokers; and myself (Owen Rask, founder of The Rask Group), dive deep into every single step of the mortgage broking process. Chris and I cover every step of mortgage broking and how a really good mortgage broker should treat their client (you). If you're new to getting a mortgage, buying a property, or simply thinking about partnering with a good mortgage broker, I think this Australian Property Podcast episode is for you!In short, there are two ways most people get a loan in Australia to buying a property: Go direct to a bank. Use a mortgage broker. This is now the most common option, by far.  Over the past decade, the mortgage broking industry has blossomed because, I think, it helps would-be property owners make a more informed decision when it comes to picking lenders, finding a good rate, understanding the different types of 'products' (offset accounts, redraw, fixed versus variable loans, etc.).  However, in my opinion, the distance between good mortgage brokers and bad mortgage brokers is incredible. Unfortunately, picking a good one out of the gate is really tough!  In case you're new to The Australian Property Podcast (welcome!) and for disclosure only, Rask & Blusk have a referral partnership in place. You can find all of the details on our mortgage broking page.  Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Wargent and Chris Bates are back on The Australian Property Podcast 2 Sense and talking about the big Australian property stories and answering your questions this week. In the spotlight this week: Pete's view on US inflation and Chris' view on a potential recession. The unseasonal surge in property listings and what that means Is the rental boom over, or will the rental crisis rear its ugly head again? 1.2 million people are flocking to Canada -- and here's why! Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

House and land packages are a growing segment in the property market and a popular way for Australians to enter the housing market. However, it can be challenging to understand whether this type of property is right for you and your pretty goals and circumstance. On this episode, Buyer’s Agents Pete Wargent and Amy Lunardi will discuss what you should consider and deep dive into the pros and cons of house and land packages from purchasing your own home to an investment property. On this episode of the Australian Property Podcast: How to define a house and land package House and land packages - your home versus an investment If you are buying your home:  Pros  Cheaper option  Brand new, more accommodation  Lock in land price now, build later  Less stamp duty Making changes to design/customisation  FHOG  Drawbacks Lifestyle: Amenity, distance from CBD  Finance risk: delays to title, land value goes down, circumstances changing, build cost goes up Unexpected costs  Builder risk Lengthy delays  If you are an investor:  Benefits. Why do people invest in properties that aren’t built yet? Depreciation benefits from a new property Easier to rent out May make some capital gain if the land and build cost is less than the final value Drawbacks:  Also, less scarcity, less amenity  Considerations when thinking about purchasing a house and land package Where to start Location? Fringe greenfield estates? Almost by definition, H&L packages are often in locations which are being developed and where land isn’t scarce. Walkability to amenities, transport, cafes, restaurants etc.? How long will it take?Current rates are up to 24 months. On average 22 months per PropTrack data.  Is the developer reputable? Insolvencies in the construction / developer industry are currently rather high Is it a fixed price? What are the risks of overruns and hidden extras? How will you finance the deal? Is it safer simply to buy an established property? Are there incentives for investing in a new property? Stamp duty exemptions etc. First homebuyer gents etc.  Rules and regulations for building and approvals needed  Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Wargent and Chris Bates are back on The Australian Property Podcast 2 Sense and talking about the big Australian property stories this week. In the spotlight this week: Australian real estate agents are quitting. It's last-in, first-out as real estate agents exit the space. Properties for sale in capital cities are down 26% from their five-year average.  The NSW First Home Buyers Assistance Scheme has expanded. "On or after 1 July 2023, eligible first home buyers will receive an exemption from transfer duty for purchases of new and existing homes up to $800,000 and a concessional rate of duty for homes up to $1,000,000." Back to the city! Tree changers from covid are returning to the big smoke as employers require more people in the office. But will it stick?  Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

How can you add value to your property through renovation? This is a question many Australians are face when purchasing a property, for either personal or investing. Renovations can be a big task so it's important to consider whether the time, money, and effort will align with your property goals. It can be a challenge to know what the market wants and what people like, so this episode will help you understand the best strategy for you! Buyer's agent Amy Lunardi and Rask founder Owen Rask talk through actionable ways for you to understand how to add value to your property. On this episode of the Australian Property Podcast: Amy and Owen's personal experiences renovating Renovation goals: What are you trying to achieve? Is your renovation for personal or financial benefits? Ways to add value: Cosmetic Paint, flooring, curtains/blinds, light fittings, landscaping, benchtop Changing floorplan Extending up or out Things that do not necessarily add value Insulation Solar panels Irrigation Better appliances Ways to save money Labour Materials Sprucing up for sale Focus on the feeling of a property Cosmetic and comfort Consider the demographics Speak to local agents Extra considerations Avoiding replacing something you’ve already paid for (eg buying a property with a modern kitchen then replacing it) If doing major works, ideally increasing the accommodation or size Overcapitalising Consider the true costs – holding costs, opportunity cost, your time Sometimes can open a can of worms once you start Australian Property Podcast resources: Amy's 100-point checklist (PDF) Amy’s new property course Rask Invest – invest with Owen Mortgage Broking Financial Planning Property Coaching Business Coaching Accounting with Grey Space Ask a question Rask Core  – DIY investing Owen’s FREE investor bootcamp INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Wargent and Chris Bates are back on The Australian Property Podcast 2 Sense and talking about the big Australian property stories this week. Economist and Buyer's Agent Pete Wargent and Mortgage Broker Chris Bates discuss these three property stories: Domain's Australian. property price forecasts Monthly inflation figures and the impacts of higher interest rates on housing Record mortgage repayments Story links: http://petewargent.blogspot.com/2023/06/domain-forecasts-new-highs-in-these.html & https://www.afr.com/policy/economy/building-pipeline-in-wealthy-suburbs-hits-rock-bottom-20230613-p5dg43 http://petewargent.blogspot.com/2023/06/aussie-inflation-plunges.html https://www.macrobusiness.com.au/2023/06/retailers-brace-for-brutal-recession/ Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

On The Australian Property Podcast, we are committed to providing insights and expert opinions from some of the most prevalent property professionals in Australia. On this episode, Buyer's Agent and author, Pete Wargent is joined by Peter Tulip, Chief Economist at the Centre for Independent Studies. Previously having worked in the research department at the Reserve Bank of Australia, Peter has written several research papers that point to planning restrictions as the reason housing is so expensive. His work has been cited in official reports on housing policy by the Productivity Commission. This is a jam-packed episode that deep dives into housing policy including interest rates, zoning, lending, and monetary policy. On this episode of the Australian Property Podcast: The housing supply: how did we get here? What are the main challenges? What are the best solutions? How do we measure supply Upzoning - what is it and how does it work? Immigration and housing supply 'Character' of a suburb and high rise developments Housing market remodeling: how central banks model housing prices, potential benefits and flaws of such modeling & dealing with market shocks Central Bank Review: Leaning against the wind. What does the RBA review for and what will it mean for Australians? Technical skills and monetary policy: What are some of the technical decisions monetary policy experts have to make? What will the challenges be in the future? Australian Property Podcast resources: Rask Events Roadshow: https://www.rask.com.au/road Housing affordability and supply Effect of zoning on house prices Planning restrictions misunderstandings  A need for land use reform? Does high-rise development damage local character? Excess demand for apartments in Australian cities Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Sunday the Australian Property Podcast gang get together to discuss some of the most topical property stories of the week. We are on a mission to help give you a plain English take on the headlines and what they actually mean for you and your property. Buyer's Agent, Pete Wargent and Mortgage Broker, Chris Bates sit down to discuss how much population growth will affect the housing market, the booming jobs market, consumer spending declines, and why Australia is the number one destination for high-net worth migrants in 2023. Population boom Population expectations revised up to 26,583,000 What this means for the housing market and why this could be a good opportunity for construction and developers Jobs boom continues (for now) +75,900 jobs in May and unemployment is still 3.6% With upward pressure on interest rates increasing the cost of living and putting pressure on businesses will this change the job market? High net wealth migration to Australia 122,000 + millionaires are expected to migrate to Australia Australia, often seen as a safe haven and is attractive to those looking to settle somewhere safe and enjoyable to raise their families or retire The effects on the economy and property Australian Property Podcast resources: http://petewargent.blogspot.com/2023/06/australias-population-revised-up-by.html http://petewargent.blogspot.com/2023/06/bigger-and-faster-than-previously.html http://petewargent.blogspot.com/2023/06/consumer-spending-falls-off-cliff.html http://petewargent.blogspot.com/2023/06/more-sydney-buyers-than-sellers.html https://www.henleyglobal.com/publications/henley-private-wealth-migration-report-2023/inflows-outflows http://petewargent.blogspot.com/2023/06/follow-money.html Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are talking about something every homeowner or homebuyer has probably wondered - how you value a property. Buyer's agents Pete Wargent and Amy Lunardi are experts in this area and help their clients value properties every day. They are going to break down some of the things you can do yourself to understand the market, and where your property may fit within it. On this episode of the Australian Property Podcast: These are the considerations that you should have in your mind when valuing a property 1. Find out how much similar properties have sold for. ...where to find the data, how to rank properties by value 2. Understand the current property market. 3. Look at housing market predictions. 4. Use online tools. ... 5. Check the previous sale price of your property. 6. Take your local area into account. Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Sunday at 7 am the Australian Property Podcast crew dissects the latest news headlines to help you understand what the noise means for you and your property. Mortgage Broker Chris Bates and Buyer's Agent Pete Wargent are taking a deep dive on today's episode on interest rates from borrowing capacity to how long and how high we think interest rates will go, whether Australia will go into recession (and if so effect this will have on the property market) and what the tourism rebound will do for the economy and housing supply. On this episode of the Australian Property Podcast: Interest rates deep dive What might happen if we get further rate hikes and how long will rates stay high? What implications does this mean for your borrowing capacity, stock supply and unemployment? What are the best mortgage rates on the market? What are peoples' saving rates? How much of the interest rate increase are banks passing on? The recession debate Do we need a recession to bring down inflation? With New Zealand technically entering a recession what might happen in Australia? Consumer confidence is at near lockdown lows, however, housing expectations are still strong. Why is this? And what could change this? Tourism rebound With tourism creeping back to highs, while Australians are slowing down their international travel, what might this mean for the housing supply and the Aussie economy? Australian Property Podcast resources: The Australian Macro Business Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

We are answering some of our Rask community’s questions! On this episode of The Australian Property Podcast Buyer’s Agent Amy Lunardi and Mortgage Broker Chris Bates are deep diving some of the most asked questions of our community.  Amy and Chris are going to break down some of the most common concerns, considerations and mistakes that people can make when it comes to finding and working with the right mortgage broker, understanding how loans work and what is right for you a well as how offset accounts can work. On this episode of The Australian Property Podcast:  Red flags when speaking to a mortgage broker What kind of service you should expect from a broker and any property professional The etiquette and process if you want to change brokers The risks of shopping around for multiple pre-approvals What are the questions you should be asking a property professional? Things to be aware of if you’re wanting to apply for a loan and have self employed income, or casual income How an offset account works and the differences between an offset, redraw and paying the loan down Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Sunday morning the team at the Australian Property Podcast is here to deep dive into the biggest and most topical news headlines for the week and what it means for your property. With sticky inflation and rate rises affecting the cost of living for Australians, we are facing some interesting conditions in the property market in terms of lending, rental prices & supply. Buyer's Agent Pete Wargent and Mortgage Broker Chris Bates will give their plain English take on some of the most topical news stories, and help you break down and understand the noise. On this episode of the Australian Property Podcast: Wage increases: The Fair Work Commission announced a higher-than-expected award wage increase of 5.75%, impacting 2.6m workers across the country, and a minimum wage increase of 8.6%. We discuss how will this affect the economy and inflation. Will this fuel inflation or will the increase rather help cover the cost of inflation? Lending to build or buy a new home: At its lowest level since 2008 but lending buffer of 3% to stay in place coupled with rate increases. So what happens now? Reduced borrowing capacity for first-home owners means people can only borrow around 4.5x their income borrowing capacity for first-home buyers. Will this lead to a repricing event? Productivity NSW proposes building more homes where people want to live: This could lead to rezoning, so how will this affect current homeowners & suburb dynamics? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

What are the latest property trends, when can we see the rental market ease and what is the future for property owners? On this episode of the Australian Property Podcast, Buyer's Agent Pete Wargent is joined by a very special guest, Cameron Kusher. Cameron is the Director of Economic Research at REA Group and is one of Australia’s top and best-known property market analysts. Pete and Cameron are deep diving into everything you want to know from a real estate and property insider's perspective by discussing some of the most debated and talked about topics  On this episode: Current Listing Environment: Why aren’t people listing? Is there any sign of that changing? The latest trends in construction and new housing supply: is the pipeline still solid or contracting? Are construction costs coming down? Are new home sales still struggling? Rent: What's happening in the market? What will it take to bring investors back into the market? Build to Rent: Impact on the housing market over the next decade, what are the required returns, what scale are we going to see? and where are we going to see it? Victorian budget and land tax changes: what are the impacts on the market? what will this mean for investors or renters? This is an insightful episode with one of Australia's most recognisable property brands so this is not one to miss! Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Personal wins and mistakes from our property experts. Buyer's Agents Amy Lunardi and Pete Wargent are sharing their biggest personal lessons when it comes to buying and selling their own properties & investing. On this episode, the team is getting personal in the hope that you can take inspiration from the fact that even professionals don't always get it right and how you can learn from their mistakes (and their wins!). On this episode of the Australian Property Podcast: Amy's Wins Setting clear objectives when purchasing a property Purchasing properties that align with cashflow Renovating on a budget Amy's Mistakes & Lessons Not learning enough about investing at a younger age Not planning for the future effectively Not being on top of paperwork (we know its boring, but needs to be done) Relying on professionals (property managers, layers, councils) to do their job properly, always do your due diligence Not purchasing properties when it's a good time to buy (if you are financially ready to do so) Pete's Wins Buying in great locations Diversifying (asset classes, types of properties) Being patient and persistent Pete's Mistakes & Lessons Risk management: Margin Loans i.e. using debt to buy shares: Be careful with your use of debt as things can change with the market that you cannot control Speculative investments: Buy assets that you never need to sell instead of speculative investments Not doing adequate due diligence on extra costs and levies and relying on a solicitor to address these costs Buying a unit with high strata fees. These costs are ongoing and can be variable so can significantly impact resale values Poor choice of tenants. Sometimes taking a lower rent with a good tenant is better than a bad one! Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Sunday the Australian Property Podcast team deep dive into the biggest news stories of the week, take a plain English look, and tell you what it means for your property. Buyer's Agent Pete Wargent is joined by Rask founder Owen Rask this week to cover land tax, build to rent news & the current listing environment. On this episode of the Australian Property Podcast, we cover these Big 3 stories of the week: Land Tax The Victorian budget has hit property investors hard so what does this mean for you? Do the benefits outweigh the increasing costs? Question from our community: Is it better to hold other assets i.e. ETFs that can generate passive income instead? What are the monetary implications of selling property assets and moving into another asset class? Will increased costs be passed on to renters? Build to Rent News New players in this space: foreign withholding tax that was cut from 30% to 15% meaning an increase in foreign investors could be imminent, what does this mean for Australians? Increases in rental supply: is this increasing the number of affordable housing? Corporate landlords: What are they? How can it be helpful for long-term renters? What are the trends overseas? Will it be the same here? Listing environment. Why is inventory so low? With supply potentially at its lowest point in many years, why are people not selling good quality stocks? Why are people holding and renovating? When might this issue change? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Off the plan buying. With new developments springing up across cities in Australia, and government subsidies for new builds, it's hard not to be intrigued by the increasing home options available to buyers. On the flip side, we are hearing the headlines of builders going bust, apartment defects, and depreciating assets. Mortgage Broker Chris Bates and Buyers Agent Amy Lunardi take a deep dive into the positives, negatives, and risks to consider if you are looking at purchasing off the plan. There can be many benefits off the plan buying can bring, whether it be enabling a buyer to get into the property market or get into a specific suburb, however, it is important to understand the risks that are associated with this type of property. Amy and Chris share some of their personal stories from their experiences and discuss how you can protect and educate yourself. On this episode of the Australian Property Podcast, we cover: What is off the plan? What are the common types? What are the benefits of buying off the plan? Greater Choice Small deposits Positive buying experience What are the risks and considerations when buying? Builder risk - builders going bust, building defects Liabilities - legal implications of walking away from contracts Market shifts - locking in a price for the value to be lower Asset performance Lack of scarcity - risks when leasing or reselling a property Lending & postcode risk Sunset clauses What you can do to protect and educate yourself Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Every week Buyer's Agent, Pete Wargent and Mortgage Broker, Chris Bates break down and cover everything you want to know about the most important headlines from millionaire migration, wages, and intergenerational wealth. We are on a mission to be Australia's most trusted property podcast so we are here to help cut through some of the noise and help you understand what all the headlines mean for your property. On this episode of the Australian Property Podcast: Intergenerational Wealth: How wealthier parents are helping their children enter the property market and how it can impact the prices of property Wage Growth: Wages peaked lower than expected, below 4%, so what does this mean for inflation, interest rates, and borrowing? What can you do to increase your income? Millionaire Migration: Skyrocketed back in Australia with 125,00 projected for 2023, with increasing numbers of high net worth individuals moving overseas. Are some headed to Aus? Why and how could this affect me? Australian Property Podcast resources: Wage Growth Research Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

How are demographics and property linked? Mortgage Broker, Chris Bates, and Demographer, author, and educator Simon Kuestenmacher deep dive into how demographics will affect your property, the market, demand, and supply now and into the future. This episode will property insights into what factors to consider when purchasing a future home or investment property. You can find Simon Kuestenmacher on Twitter (he has a quarter of a million followers) or in his monthly segment in The Australian. On this episode of The Australian Property Podcast: What is Demographic/Demography? Study of people, why they are where they are, and how many there will be in the future Why are demographics important when it comes to property? What are the links between different life stages and property demands? Key property trends that we are seeing around life expectancy, downsizing, family changes, and the housing shortage Demographics and housing outlook - How housing policies can optimise the housing stock, how to buy a property with future demographics in mind Big demographic changes - effects of COVID, WFM & domestic and international migration Knowledge - the importance of long-term planning and government housing and retirement policies Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're starting your property journey, this is the episode for you! NSW's #1 Mortgage Broker, Chris Bates sits down with Rask's Melissa Vincent to break down some of a first home buyer's questions and concerns. There is a lot to consider as a first home buyer, and it can be daunting to leap from a renter or saver to a homeowner. On this episode of the Australian Property Podcast, we discuss: What should a future first-home buyer be thinking about? Deposits - how much do you really need? What is lender's mortgage insurance? Can I get a parental guarantor? Lending capacity during rising interest rates Property options - new build, fixer upper What future considerations do you need to factor in - work, partner, family Dangers of off the plan What to consider if you are hoping to get capital growth from your property? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to this week’s 2 Sense, where we take a plain English look at the week's Big 3 property news stories. This week we heard the news of a $45 million record sale in Tamarama, sparking conversation of increased confidence, the budget is still at the front of peoples' minds as to what this means for interest rates and property supply. We will help you cut through all the noise and unpack what this means for you and your property. On this episode of the Australian Property Podcast Buyer’s Agent Pete Wargent and Mortgage Broker Chris Bates discuss: Has buyer confidence and sentiment increased? - record sales this last week is this the start of a shift in the market? How the budget will affect population and housing - with overseas immigration ramping up again how will the housing market keep up? Chris and Pete discuss what this means for property investors and what you can do about it. Inflation narrative shift - with inflation slowing both in Australia and the US we discuss what we think will happen to rate hikes and what this might mean for mortgage rates Lending policy shifts - what could policy shifts in interest rate mean for property owners and investors? And what can you do about it? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

We love hearing from you and understanding what you are thinking about the property market. On this episode of the Australian Property Podcast Buyer’s Agent, Amy Lunardi, and Found of Rask, Owen Rask are answering some of the latest questions that you our community have asked us! In this episode, we cover the following questions: Can a seller approach a buyer's agent directly rather than engaging a real estate agent in order to reduce fees and marketing costs? - What are the considerations of dealing with a buyer's agent directly, rather than selling with an agent? What are the benefits (and the costs) in terms of price, fees, expertise, exposure & efficiency? The importance of a property team - From buyer’s agents, real estate agents, mortgage brokers & property managers in helping you navigate the nuanced layers and problems in buying, selling, and renting a property Handling emotions around not being able to afford what you want - How to understand what you can and cannot control FIRE (financial independence retire early)- Moving to a cheaper state to retire early, diversifying investments away from pure property & how to manage your finances with your lifestyle, getting advice from financial & property professionals Diversifying your investments - what courses and resources are available? Property in rural mining areas - Is this a growth opportunity? Is it a long-term sustainable opportunity? What if something goes wrong with my property when it's passed an inspection? - What actions can I take? We want to help you prepare for any kind of future - if have anything you’ve been wanting to ask, submit a question and the team and have it featured on the show! Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

We are on a mission to be the most trusted property podcast in Australia. How do we do this? By answering some of your hard-hitting property questions.  On this episode of the Australian Property Podcast Mortgage Broker Chris Bates and Rask founder Owen unpack everything from rental properties, to buying with family and Airbnbs. On this episode: Considerations when selling a tired rental property - polishing a property, the importance of digital real estate, selling a property for another which can provide more capital growth Picking the right agent to sell your home - how an agent can style and market your property so that you can get the best price efficiently  Compromises when buying a property - what are the important factors for you i.e. location, privacy, lifestyle, transport Servicing your loans (to buy a home) whilst owning and funding a small business Considerations when purchasing an investment property with your family members - binding agreements, goals & dispute resolutions Tax implications of Airbnb(ing) you property - is it worth your while? Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

This week economic news flooded news headlines, between RBA rate rises and the Federal Budget, you might be wondering what this actually means for you and your property. On this week's episode Mortgage Broker Chris Bates is joined by Rask founder Owen will help you demystify all the noise and help you understand how these policy changes and stimuluses can effect you and share a look through into the latest property data. On this episode of The Australian Property Podcast: RBA Rate increase What does this mean? Was the RBA wrong? Will there be any other rate rises? Should people be locking their rates? Core Logic Resources Pack Days on the market are coming down Low listings Dwelling approvals fall to a 2.5 year low Budget Night -what is related to property? 1 million homes? Support for build-to-rent projects Rises in Clearance Rates Big increase last weekend This weeks resources: Core Logic Report Budget Insights Clearance Rates Australian Property Podcast resources: Australian Property Podcast online - videos, notes & resources Ask a question Chris' mortgage broking Amy's new property course Amy's 100-point checklist (PDF) Pete Wargent's property coaching Join Owen's Rask Core  membership for $0.99 INFORMATION WARNING! This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Full individual disclosures for each guest are available via the show notes page. Owen and The Rask Group Pty Ltd do NOT receive anything for mentioning Super funds, products, shares, bank accounts, etc. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices