The Lazy Equity Podcast

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The Lazy Equity Podcast

Building wealth through property
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29/10/2023

🔊 New Episode Alert!

🎙️ Get ready for an exciting conversation with the remarkable Emily Wallace, the driving force behind 🌟

💼 Dive deep into the owner-occupier property market as Emily shares her insider tips and tricks. Whether you're a seasoned homeowner looking to upgrade or a first-time buyer starting your journey, Emily's expert insights are sure to refresh your approach! 🏘️

Don't miss out on this episode!

👉 Tune in here: https://vist.ly/g6f4

09/10/2023

🎙️ Exciting News! Our latest Lazy Equity episode featuring Lachlan from Shore Financial is now LIVE! 🏡💰

Join us as we dive into the world of mortgage broking, discuss the recent changes in bank lending rules, share invaluable refinancing tips, and explore the latest trends in debt amidst fluctuating interest rates. Lachlan's expertise is not to be missed!

Tune in now for some expert insights. 🎧🔥

Listen here:

Don't forget to follow Lachlan for more financial tips! 📈

29/09/2023

🎙 Exciting news!

We had James from The Investors Agency on our podcast, sharing his property journey and insights. We also dive into current market trends and the new vs. established property debate.

Link in Bio!

11/08/2023

Did you know we have a Facebook group called "Lazy Equity"?

It's a safe haven for all your burning property investment questions! Whether you're a seasoned investor or just starting out, we've got you covered! You can ask your queries openly or go incognito with our anonymous option! 🕵️‍♂️🕵️‍♀️

Join the community today and unlock the secrets to building your property empire!

➡️https://www.facebook.com/groups/lazyequity

27/06/2023

Sam explains what lead to the interest rate hikes 📈

26/06/2023

Sam explains how he got into smoking and Family BBQ's on the latest episode of the Lazy Equity Podcast - https://buff.ly/3NpCDh5

21/06/2023

Have you listened to our latest episode with ?

Link in bio for EP 19 of the Lazy Equity Podcats 🎧

20/06/2023

🎧 New episode alert! 🎙️ Join host Bobby and from Aureus Financial as they dive into hot topics like inflation, immigration, and interest rates, offering valuable insights. Plus, Bobby learns BBQ tips from Sam!🔥🍖

Listen Now ➡️https://buff.ly/43O7n2m

11/06/2023

Choosing the right agency matters! 🏢✨

When it comes to property management, don't overlook the importance of personalised attention. While not all larger agencies are the same, it's crucial to be mindful of who they're sending your way. Opting for a smaller agency with direct owner involvement or a seasoned property manager can make a world of difference. Take control of your journey by giving clear instructions and highlighting potential hurdles. Your dream property awaits! 🏡💼

10/06/2023

A valuable tool to wield during negotiations is having your pre-approval in place. Demonstrating to sellers that your finances are ready and up-to-date puts you ahead of the competition lacking this advantage. Additionally, consider increasing your initial deposit size, as it can make your offer more appealing to sellers. By showcasing your preparedness and offering favourable terms, you position yourself for success in the negotiation process. 💪✅

09/06/2023

🚫 Be cautious when considering properties in flood and fire zones! 🔥⛈️

💡 Pro Tip: Opting for safer locations can help you save on insurance costs while safeguarding your investment. 🏡💸

⛔ Limited buyer interest: Properties in these zones often face challenges when it comes to finding potential buyers, affecting the resale value of the property.

💰 Property valuation impact: The presence of flood or fire risks can influence the appraisal value of the property, potentially leading to lower returns on investment.

😓 Headaches during disasters: Owning a property in these zones can result in significant difficulties and stress when dealing with the aftermath of fires or floods, both in terms of time and financial investment.

👥 Tenant considerations: Some tenants may be hesitant to rent or purchase properties in flood or fire zones due to the associated risks, potentially affecting rental income and occupancy rates.

To make a smart property investment decision, carefully weigh the potential insurance savings against the risks and challenges associated with flood and fire zones.

08/06/2023

Have you tried the time stamp strategy?⌛️

💬 Simply inform the agent that your offer is valid for 24 hours only. After this period, you'll be withdrawing the offer price. ⚠️ This time constraint can apply gentle pressure and expedite the decision-making process. 💪📝

wealth

08/06/2023

🏡💼 Renting Tip: Getting a rental appraisal from the property manager is crucial, but it's wise to approach it with caution if you don't have an established relationship with them.

⚠️ To make an informed decision, it's a good idea to conduct your own due diligence.

🧐Check out what's available for rent in the same suburb and get a sense of the market range.

🌟 While property managers generally provide accurate information since they're responsible for finding tenants, it's important to take their appraisal with a grain of salt.

🤝 Stay mindful and do your research to make the best decision for yourself. Happy house hunting!

19/05/2023

🏢 Looking for economic drivers in your investment market? Check out Urban Developer! This publicly available website offers insights into ongoing projects and developments in your market. For up-to-date data, head over to realestate.com.au or domain.com.au
to learn about recent market activity and traction. While not every market depends on auction clearances, a higher auction terms rate can indicate increased demand. These platforms offer other key factors too, such as expected valuations and historical trends of pricing and cash flow growth. Stay informed to make the most of your real estate investments! 💰📈

19/05/2023

🏢 Are you a real estate professional or investor looking for the latest economic trends in your investment market? Check out these great resources! 💰📈

Urban Developer is a publicly available website that offers a comprehensive understanding of the various projects underway in an area. Just type in your location, and you'll gain valuable insights into what's happening in your market. The website covers a range of property-related topics, including residential, commercial, and infrastructure development, making it an excellent resource for keeping up to date with the latest economic trends and investment opportunities.

But for the latest live data, head over to realestate.com.au or domain.com.au . These websites provide up-to-date information on what's happening in markets within the last month, giving you a clearer picture of traction and demand. You can access a range of data, including auction clearance rates, the number of properties sold, median prices, and more. This information is crucial for understanding the health of a property market and making informed investment decisions.

One key indicator to watch is the auction clearance rate. While not every market is dependent on auction clearances, a higher rate can suggest greater demand. Additionally, these platforms offer other factors, including expected valuations and historical trends of pricing and cash flow growth over six or twelve months. By analyzing these trends, you can make more informed decisions about where to invest your money and how to maximize your return.

Whether you're looking to invest, buy or sell property, or just stay informed, these resources are an excellent place to start. By staying on top of the latest economic trends, you can make more informed decisions about your real estate investments and maximize your returns. So why not check out these great resources today and see how they can benefit you! 🌟

18/05/2023

Choose a mortgage broker who can do a full cost projection and simulation of your purchase. This helps you make informed financial decisions and support future investments. Partnering with the right broker is key to your real estate success! 💰🏡📈

18/05/2023

🏠📈 Attention all real estate investors! 🏠📈

If you're looking to purchase an investment property, you know that the process can be complex and overwhelming.

One of the most critical steps in purchasing an investment property is finding a mortgage broker who can guide you through the process and help you make informed decisions. When selecting a broker, it's important to ask if they are experienced with investment properties and can provide you with a full cost projection and simulation of your purchase. 💰

This means that you'll be able to get a better understanding of the costs associated with your investment property purchase, including mortgage payments, interest rates, and other fees. Armed with this information, you'll be better equipped to make smart financial decisions that support your long-term investment goals. 📈

But don't stop there! It's also essential to think about your future investment property purchases and how your first purchase sets you up for success in the long run. Understanding what your next purchase needs to look like to support future purchases is crucial to your financial wellbeing. 💰🏠

By taking the time to select a knowledgeable and reliable mortgage broker, you can avoid costly mistakes and make the most of your investment property purchase. So go ahead and schedule those interviews! 📅

Remember, finding the right mortgage broker is a crucial step in your investment property buying journey. With the right support and information, you'll be well on your way to building a successful real estate portfolio! 🏠📊

17/05/2023

🏠💰 As a real estate investor, one of the most critical decisions you'll make is determining how much you can afford to borrow to purchase a property. However, many investors make the mistake of maxing out their lending limit and purchasing properties with low rental income, which can significantly impact their investment journey.

💸🚫 Investing in a property with low rental income means that the cash flow generated from the property may not be enough to cover your mortgage payments and other expenses associated with owning the property. This can put a strain on your finances and make it challenging to obtain financing for future properties.

💡👀 It's important to understand that rental income directly affects your debt-to-income ratio, which is a significant factor that lenders consider when deciding whether to approve you for additional loans. If your rental income is low, your debt-to-income ratio may be higher, which can make it more challenging to obtain financing for future properties.

🙌 However, if you invest in a property with high rental income, it can improve your debt-to-income ratio and make it easier to obtain financing for future properties. Additionally, investing in properties with high rental income can provide a steady stream of cash flow that can be used to reinvest in other properties or pay down debt.

💼🌟 So, when making investment decisions, it's crucial to take into consideration the rental income potential of the property. Don't overlook this essential factor that can make or break your investment journey. Remember, your second property will be impacted by your first, so it's crucial to choose wisely.

🏆👊 By being mindful of your rental income potential and making strategic investment decisions, you can set yourself up for long-term success in real estate investing.

17/05/2023

🏠💰 The biggest mistake many investors make is maxing out their lending limit and purchasing properties with low rental income. This can halt their progression and impact their ability to obtain financing for future properties. 💸🚫 It's crucial to understand that rental income directly affects your debt-to-income ratio and future servicing capabilities. 💡👀 Don't overlook the importance of rental income when making investment decisions. Your second property will be impacted by your first. 🙌

16/05/2023

🏠 Income level determines the type of property that works best for you. High earners accept lower yields, while low earners aim for higher yields. Maximising rental income is crucial, especially for low earners, as top-tier lenders often cap rental income at 6%. You may even look into second or third-tier lenders that consider full rental income. Understand the market to make informed decisions on property, regardless of your income level.

16/05/2023

🏠 As we navigate the world of property, it's important to keep in mind that the type of property you aim for will largely depend on your income level. High-income earners may be able to accept a lower yielding property, while lower-income earners may need to aim for a higher income-earning property.

📈 The difference in these options is that they will put you into different markets. So it's crucial to have a clear understanding of your financial situation and goals before starting your property search.

💰 For those with lower incomes, maximising rental income on a property can be a game-changer. This can help increase household income and provide greater financial stability. It's worth noting that some third and second-tier lenders may be more willing to look at the full rental income of a property, as opposed to capping it at 6% like some top-tier lenders do. This can make a big difference in your ability to secure financing and find a property that meets your needs.

🔍 Whether you're a high-income earner or a low-income earner, taking the time to understand the market and your options can help you make smart, informed decisions when it comes to property. Don't be afraid to ask questions, do your research, and seek out the advice of professionals in the field.

👉 At the end of the day, the right property for you will depend on a variety of factors, including your budget, location preferences, and long-term goals. By keeping an open mind and staying informed, you can find a property that meets your needs and helps you achieve your financial goals.

15/05/2023

🚀 As investors, we all want to maximize our returns, but sometimes that means taking calculated risks in markets with high growth potential. 💸 While it's true that these markets may initially have lower yields, it's important to remember that equity is the true driver of long-term wealth creation. 🔑 By having the right mindset and strategy, we can turn our investments into a powerful engine for achieving our goals and building our dreams. 💪 So let's not be afraid to pursue opportunities that can lead to greater rewards in the future.

05/05/2023

This mistake could cost you thousands a year and take you into the red 😲

Bobby explains the importance of due diligence ✅

04/05/2023

What is the debt-to-income ratio and what are its effects?

Bobby explains 👨🏽‍🏫

03/05/2023

Darren Speaks on the risks of investing in your own backyard 🏡

Check out our recent videos for more information on the risks of investing in your own backyard 📲

01/05/2023

Buying at the wrong time is a crucial mistake that could cost you hundreds of thousands of dollars in the long run 😫

Follow for tips on how to minimise risk when investing in property 🏠

24/04/2023

Should you invest in your own backyard? 🤔

Bobby shares his thoughts 💭

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🔍 Emily's Off-Market Tips Part 2! ✨ Landing off-market opportunities can be challenging for individuals, but think about what you can offer. Do you have a property for sale that guarantees a deal? Can you connect the agent with a family member looking to sell? Explore your network and see what assets you can leverage! 💪 Stay tuned for more expert insights from Emily! 🚀 Full episode with @emily_wallace_ba here 👉 https://vist.ly/j2ig #OffMarketStrategies #PropertyInvesting #RealEstateTips #offmarket #offmarketproperties

Emily's approach to owner-occupier property buying is all about the emotional impact of placing someone in their dream home. 💖 She values the emotional outcome but keeps a level head when it comes to the journey. 🚀 ✨ Guiding clients with expertise and a steady hand, she ensures the right direction for a successful property experience. 💡 Full episode with @emily_wallace_ba here 👉 https://vist.ly/jhcf #PropertyInvestment #DreamHome #ExpertGuidance #firsthome #firsthomebuyers

From beginner investor to a sought-after Buyers Advocate! 🏡✨ Emily's journey into the world of property started with purchasing her own property investment. Back then, she didn't even know what a Buyers Advocate was! 🤷‍♀️ Recognising a gap in the market, Emily set out to bring a fresh, vibrant approach to the industry. Through continuous education and dedication, she's now a go-to expert for owner-occupier property buying. 🚀 Full episode with @emily_wallace_ba here: https://vist.ly/jb9r

🏡 Off-market properties: are they always worth it? 🤔 While they can be a fantastic opportunity to snag a great deal, it's important to approach them with caution. 💰 Some off-market properties might be priced above market value, so it's essential to have an expert by your side to navigate these deals. 🕵️‍♂️ Ensure you evaluate each off-market property objectively to distinguish a good deal from a potentially overpriced property. Seek advice from a professional to make the most of off-market opportunities! Full episode with @emily_wallace_ba here: https://vist.ly/gpdy #RealEstateTips #OffMarketDeals #PropertyInvestmentAdvice #wealth #welathbuilding #firsthomebuyers #fristhomeonwerscheme

🏡 Looking for the perfect family home in Melbourne's middle ring? @emily_wallace_ba specialises in helping first and family home buyers find their dream homes. Whether you're seeking a comfortable apartment or a spacious family home, she's got you covered! Get in touch today to explore your options. 🙌 Full Episode: https://vist.ly/ghp4 #PropertyExpert #DreamHomeSearch #MelbourneHomes

🎓 A surprising journey to success! Did you know that before she became an expert buyers advocate, @emily_wallace_ba was a trained primary school teacher and who worked in education recruitment? From there, she found her way into corporate recruitment before finally landing in her passion as a buyers agent. What a fascinating career path! 🙌 #BuyersAdvocate #SuccessJourney #PropertyExpert #emilywallce #firsthomebuyers #firsthomeowners

🔍 Lachlan's role as a mortgage broker means he fields a diverse array of questions from clients: - What's my borrowing capacity? - How much do I need to be able to buy? - Are there any first-home buyer government grants I can access? Working with clients all over Australia allows Lachlan to cater to varying needs and requirements. Currently, one of the most common questions he's tackling involves whether Lenders Mortgage Insurance is worth the benefit of putting down a lower deposit. #MortgageAdvice #PropertyInvestment #RealEstateTips #mortgagebroker #Propertyinvesting #investing #property

Life's a balancing act, especially when kids are in the picture! 👨‍👩‍👧‍👦 Lachlan from Shore Financial shares his insights on juggling work and family. As the little ones grow, they need more of our time and attention. 🕰️ Full Episode: https://vist.ly/efvd ⚖️ #WorkLifeBalance #FamilyFirst #ParentingTips

Lachlan from Shore Financial Shared that previously, if you had $100,000 in rental income, CBA would consider just 80% ($80,000). Now, they're taking a closer look at 90% ($90,000)! 📈 Fantastic for your loan serviceability. Keep the great info coming, Lachlan 🙌 Full Episode: https://vist.ly/e77n #FinancialInsights #RentalIncome #BetterServiceability #mortgagebroker #wealth #wealthcreation #investing #propertyinvesting

Who is Lachlan?💪 By day, he's a dedicated broker at Shore Financial, helping clients secure their dream loans. But that's not all – Lachlan also runs a fitness company, squeezing in four weekly sessions! 🏋️‍♂️💼 A true multitasking maestro. 👏 Full Episode Here: https://vist.ly/dxh5 #Multitalented #FinancialExpert #FitnessGuru

A few weeks ago Bobby had a chat with James about his boarding school days. 🏫 Did this unique experience help him grow up faster and become a quick learner? 🚀 Find out in episode 21 of the lazy equity podcast where we uncovered what set James on the path to becoming a Buyers Agent at The Investors Agency! 🎙️💡 Full episode here: https://vist.ly/dp2f #BoardingSchoolLife #LearningExperience #PropertyExpert #property #propertinvesting #investing #wealth #wealthbuidling

Investors, here's a crucial point to keep in mind! 📈 When rental yields soar, there's a tipping point where rent price plateau, and capital growth takes the lead. 🏡💰 Why? Because if renting becomes as pricey as buying, many opt for homeownership. 🏠 The catch? Right now, we're expecting 350,000 newcomers to our shores, just as construction struggles to keep up and intrest rates are on hold with a ponetial to drop in the next few months. 🌆 With supply shrinking and demand surging, this dynamic can impact your investment strategy. Stay informed, stay ahead! 🌟 #PropertyInvestment #MarketInsights #StayInformed

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