Suburb Data with Damien & Jeremy

Ep. 20: Q & A: Entering/Exiting Markets, Buyers Agents, Suburb Selection and More | Jeremy Sheppard

In this episode of the Suburb Data Podcast, we have heard your questions and answer them today! We will dive into the nitty-gritty of property investment strategies. Discover the impact of Loan Mortgage Insurance (LMI) and its role in leveraging your investments.
We also tackle the complex world of Self-Managed Super Funds (SMSFs) and buying property through them, exploring the pros, cons, and necessary financial planning. Plus, we unpack the elusive concept of a "good yield" and how to balance rental income with property growth. And for those sitting on a cash windfall, we’ll discuss how to invest wisely without the need for lending and much more...
 
Episode Highlights:
00:00 – Introduction
01:13 – Entering and Exiting the Market
04:32 – Avoiding Overly Competitive Suburbs
07:28 – Using a Buyer’s Agent
10:02 – Choosing a Suburb for Growth, Cash Flow, and Low Risk
12:10 – Considering Duplexes, Townhouses, and Units
14:25 – Buying with a Low Deposit and LMI
24:05 – Purchasing Property via SMSF
35:02 – Investing Cash without Borrowing
41:00 – Conclusion
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 19: NSW Bans No-Grounds Evictions

In this episode, Damien and Jeremy dive into New South Wales' new legislation banning no-grounds evictions. We explore what this means for property investors, dissect the implications for landlords and tenants, and discuss the broader impact on the rental market. 
Join us as we provide expert insights, share personal anecdotes, and challenge common perceptions about property investing in Australia. This episode is perfect for anyone looking to navigate the complexities of real estate and stay informed about the latest industry developments. 
 
Episode Highlights: 
00:27 - Introduction 
01:28 - Making renting fairer in NSW 
05:14 - No grounds for eviction rules 
06:09 - Is this addressing the rental crisis 
12:38 - Solving the rental crisis is political 
16:51 - Renting is not the worst-case scenario 
18:40 - Key takeaways 
 
DISCLAIMER:  
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.  
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.  
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.  
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.  
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 18: Real Estate Myths Buyers and Sellers Need to Ignore

In this episode, we dispel common real estate myths and share insights on a recent news article. We explore whether you can truly time the market, the likelihood of a property price crash, and if renting is genuinely more cost-effective than buying. Additionally, we address listener questions about investment strategies and borrowing power. Tune in and start building your sustainable path to financial independence in the Australian property market.
 
Episode Highlights: 
00:00 - Introduction 
01:17 - Viewers comments 
14:45 - Real estate myths article 
16:03 - Myth 1 - You can time the market 
20:20 - Myth 2 - Prices will crash 
24:12 - Myth 3 - Lost borrowing power 
26:41 - Myth 4 - Renting is cheaper than buying 
30:21 - Myth 5 - You need a 20% deposit 
 
Viewer Favourites
👉 Should You Purchase One Big Asset or Two Cheaper Ones? - https://youtu.be/0x8G2rHvp38
👉 Cashflow and Return for a Property Investment - https://youtu.be/1-ML8RkMJdc
👉 DSR Success Rate - https://youtu.be/tSBtiD1BLqo
👉 Demand to Supply Ratio Tutorials - https://www.youtube.com/playlist?list=PLWD8h9iMOyGi7zCG37dRhAxXows2SZw7-
 
DISCLAIMER:  
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.  
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.  
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.  
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.  
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 17: Buyer's Agent 'Success Story' Email Too Good to Be True

In this episode, we review an email from an unnamed buyer's agent, examining its claims of helping clients achieve financial freedom by purchasing five properties in 24 months. While the numbers sound impressive, we delve into the details, revealing the exceptional circumstances required for such feats and cautioning listeners about the inflated promises and marketing tricks prevalent in the real estate industry. Through our analysis, we aim to provide a more honest approach to property investment.
 
Tune in for valuable insights and practical advice on navigating the complexities of property investing in Australia.
 
Episode Highlights:
00:00 - Introduction
01:00 – Buyers Agent Email
02:12 – Dissecting the email
08:17 – Key takeaways
10:35 – Benchmark for retirement
13:40 – Conclusion
 
Viewer Favourites
👉 Should You Purchase One Big Asset or Two Cheaper Ones? - https://youtu.be/0x8G2rHvp38
👉 Cashflow and Return for a Property Investment - https://youtu.be/1-ML8RkMJdc
👉 DSR Success Rate - https://youtu.be/tSBtiD1BLqo
👉 Demand to Supply Ratio Tutorials - https://www.youtube.com/playlist?list=PLWD8h9iMOyGi7zCG37dRhAxXows2SZw7-
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 16: Rental Yields - What Do They Tell Us About the Suburb and Property

In this episode, we dive into a fascinating discussion about what rental yields reveal about suburbs and properties.
We challenge the common belief that a stable 6% rental yield might limit annual capital growth to 4%. Our analysis of data reveals a surprising trend. Properties with yields around 6% have seen an average annual capital growth of 7.7%. We also compare growth patterns between regional markets and capital cities, uncovering unexpected similarities that defy traditional investment assumptions.
Tune in and start building your sustainable path to financial independence in the Australian property market.
Episode Highlights:
00:00 – Introduction
01:00 – What is Rental Yield?
01:28 – What drives a property rental yield
05:15 – Not our comments
07:00 – Regional vs State Capitals
11:55 – High Yield vs Low Yield
16:03 – Conclusion
 
Viewer Favourites
👉 Should You Purchase One Big Asset or Two Cheaper Ones? - https://youtu.be/0x8G2rHvp38
👉 Cashflow and Return for a Property Investment - https://youtu.be/1-ML8RkMJdc
👉 DSR Success Rate - https://youtu.be/tSBtiD1BLqo
👉 Demand to Supply Ratio Tutorials - https://www.youtube.com/playlist?list=PLWD8h9iMOyGi7zCG37dRhAxXows2SZw7-
 
DISCLAIMER:
 
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.
 
 
 
 
 

Ep. 15: Does Rent Growth Match Property Growth? (Part 2)

In this episode, we answer a listener's question about whether rents have kept pace with property values over the long term. Through detailed chart analysis, we reveal trends in long-term average yields for the nation, state capitals, and regions.
We also examine the big 5 cities, exploring yield trends over the last 20 years. We highlight implications for renters in major cities, noting potential rent increases. Tune in and start building your sustainable path to financial independence in the Australian property market.
 
Episode Highlights:
00:00 – Introduction
01:00 – 20-Year Yield History
02:25 – Listener Question
06:55 – The Big 5
 
Viewer Favourites
👉 Should You Purchase One Big Asset or Two Cheaper Ones? - https://youtu.be/0x8G2rHvp38
👉 Cashflow and Return for a Property Investment - https://youtu.be/1-ML8RkMJdc
👉 DSR Success Rate - https://youtu.be/tSBtiD1BLqo
👉 Demand to Supply Ratio Tutorials - https://www.youtube.com/playlist?list=PLWD8h9iMOyGi7zCG37dRhAxXows2SZw7-
 
DISCLAIMER:
• Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 14: How to Analyse a Property Market

In this episode, Damien will interview Jeremy on how to analyse a property market. We'll break down key statistics you need to know to make informed decisions in the property market.
Tune in and start building your sustainable path to financial independence in the Australian property market. 
Link – https://www.youtube.com/watch?v=bJlyM_sM6I4
 
Episode Highlights:
00:00 – Introduction
03:19 – How did you get into property analysis?
06:18 – What qualifies you to give advice?
09:12 – Is rent growth a precursor to capital growth or any other metric?
11:37 – Is it a perfect science and 100% accurate?
15:15 – How can supply increase?
18:30 – Population growth
20:30 – Technical and fundamental analysis
22:26 – How do we know we can trust data?
24:16 – Property clock
25:55 – Monitor your property performance
28:27 – Can you rely on one metric?
31:40 – Income growth and its impact on capital growth
32:35 – Is there a lag time in the data? Peak of the market
35:09 – Volatility
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 13: Cashflow and Return for a Property Investment

In this episode, we discuss how to analyse the numbers for an investment property. Learn how to calculate your return on investment and understand the crucial roles of growth and rental income.
Tune in and start building your sustainable path to financial independence in the Australian property market.
 
01:59 – Strategies for Saving and Budgeting03:22 – Car Lease06:10 – Car Liability07:05 – Barbershop07:30 – Cashflow for a Property Investment11:40 – Spreadsheet Numbers15:56 – Annual Expenses19:00 – Equity Release for Shares22:13 – Depreciation & Off the Plan24:12 – Growth26:18 – Vanguard Index Fund Return29:52 – 88% LVR (LMI)32:20 – Shares33:47 – Closing Thoughts
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 12: Data Accuracy and Reliability for Days on Market (DOM)

In this episode we discuss why getting your numbers right, especially Days on Market (DOM), is crucial for making informed decisions. From understanding DOM variations across platforms, this episode is packed with valuable insights to empower your property journey. Don't miss out on learning how to navigate the property market confidently by prioritizing data accuracy.
Tune in to learn how to build a sustainable path towards financial independence in the Australian property market.
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 11: How Much Do You Need For Property Investing?

In this episode, we cover how much you need for property investing with our special guest Alana. We'll chat about upfront costs, like down payments and closing fees, and how Lenders Mortgage Insurance (LMI) can help you get started. We'll also cover strategies and government perks for first-timers.
Tune in to learn how to build a sustainable path towards financial independence in the Australian property market.
 
Alana’s Details -
Connect on LinkedIn - https://www.linkedin.com/in/alana-kunicki/
Initial Lending Consultation - https://calendly.com/alana-wemortgage/30min?month=2024-04
 
Episode Links –
Stamp Duty - https://stampduty.calculatorsaustralia.com.au/
LMI - https://www.yourmortgage.com.au/calculators/mortgage-insurance
Super Saver - https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
Any actions taken by viewers based on the information in this video are at their own risk.