27 Apr Podcast: Guest – How to Buy a Property That Will Stand the Test of Time with Aife Horsley
In this episode, Evelyn and Maddie sit down with buyer and vendor advocate Aife Horsley from Raveche Property Group to learn more about how buyer’s advocates can benefit homebuyers. A buyer's advocate is a professional who works solely on behalf of the buyer during the home buying process. They can help buyers navigate the complicated real estate market, source un-advertised properties, negotiate with sellers, and ensure that buyers get the best deal possible. We discuss the specific ways in which a buyer's advocate can save buyers time, money, and stress during the home buying process. Specifically, understanding why it is so important to lean on the professional knowledge of an experienced buyer’s advocate is. Whether you're a first-time homebuyer, downsizer or a seasoned pro, this episode will provide valuable insights into the benefits of working with a buyer's advocate. Connect with Aife Horsley: Raveche Property https://ravecheproperty.com.au/
20 Apr Podcast: Deep Dive – Unlocking the Benefits of Equity in Your Property
On this episode, Evelyn and Maddie explore the benefits of using equity in your property and how it can be a powerful tool in building wealth and securing your financial future. First, we discuss what equity is and how it's calculated. We also talk about the difference between personal-purpose equity and investment-purpose equity, and why understanding this distinction is important. Next, we dive into the various ways you can use equity to your advantage. We discuss how equity can be used to fund renovations, pay off high-interest debt, invest in other properties, or even start a business. However, it's important to understand that tapping into your equity comes with some risks, especially if you’re not using equity on appreciating assets. We talk about how to determine if this move is the right financial move for you, and how to work with lenders and financial professionals to ensure you're making the best decisions for your situation.
13 Apr Podcast: Finance Files – Have a Business and Pay Yourself a Wage? Use This to Buy Your Next Property
Property finance can be tricky if you're a business owner! In this episode of Finance Files, Maddie shares an important case study with important lessons and insights if you own a business and pay yourself a wage. Enjoy!
06 Apr Podcast: Q&A – Everything You Need to Know About Bank Valuations
Bank valuations are a key part of the property finance process for home owners and investors, so it is crucial to know everything you can about how bank valuations work and what it will take to maximise your opportunity. Maddie asks Evelyn all of the most important questions on the topic. Enjoy!
30 Mar Podcast: Guest – Finding Market Opportunities & Leaning into Disruption with Ruben Garcia
US real estate influencer Ruben Garcia joins the podcast to shift your mindset about what's really possible in property. Ruben is a real estate agent, coach, consultant and investor based on the US east coast. He's had huge success in sales and business development and is now focused on giving away all of his secrets and strategies. There's many key lessons for Australians who are used to following a 'tried and true', longer-term approach to property investment. Ruben has switched modes to the short-term market and is seeing an instant pay off. He says it is just one example of the importance of getting clear on your goal, and then working out what is the best strategy and vehicle to get you there. He's also focused on the power of disruption - doing things that others aren't doing, and grasping the opportunity that fear and risk brings. Connect with Ruben: https://linktr.ee/Provenbyruben Enjoy!
23 Mar Podcast: Q&A – Pre Approvals – Timing, Credit Scoring, HECS Debt & More!
Continuing on from our previous episode's Deep Dive on Pre Approvals, Maddie hits Evelyn with the big questions on the topic including: - How important are Pre Approvals? - How long is a Pre Approval valid for? - When should you apply for a Pre Approval? - Do Pre Approvals impact your credit score? - Should you pay out your HECS debt before applying for a Pre Approval? Enjoy!
16 Mar Podcast: Deep Dive – Do You Need a Pre Approval?
Most people get a pre approval on their loan because they don’t know how much they can borrow, but in this Deep Dive episode Evelyn and Maddie talk about other reasons why it can be so critical to ensure you are fully assessed by a bank BEFORE you buy. This episode covers:- What a pre approval is and how the bank assesses this
- The missing puzzle piece in a pre approval to go to formal approval
- Who pre approvals are critical for vs when is it not as necessary
- How long it lasts and whether you can extend your pre approval
- Other added benefits to your pre approval that you may not have considered
- And, what happens if you change jobs during the pre approval period?
09 Mar Podcast: Finance Files – How to Get the Most Out of Refinancing, Getting A Lower Interest Rate With Your Current Lender and Withdrawing Equity
In this Finance Files episode, Maddie unpacked a investor client story revealing the benefits of talking to your current lender including how to reduce your current interest rate, the benefits of rate lock, and how we withdraw equity. Tune in and let us know if you have any questions!