Performance Property Data

“If we think about the modelling we’ve had from our mothers and grandmothers; that is redundant. We’re not living post-war anymore.” Sharon welcomes into The Property Pineapple studio Deanne Carter, speaker, podcaster, and investment mentor (among other things). They chat about her career, passions, inspirations, investments, and worries and hopes for the future.   About Sharon’s guest, Deanne Carter… Deanne is an investment mentor, speaker, life designer, podcaster, and founder of the Women’s Money Forum. She is also a property investor, with over 25 years experience. The Women’s Money Forum is an online platform inspiring women to take a fresh look at their relationship with money. It provides tools and strategies for how they can maximise their financial position and become more financially competent. Find out more about the Women's Money Forum here. When she’s not educating about money, Deanne is a devoted mum, fitness fanatic, a curious learner, and possesses a passion for conscious abundant living. Abou

It’s another lovely day in Melbourne, and Sharon and David are in Fitzroy Gardens to bring you another technical insight. International students head to Australia for a number of reasons, and them being here also has a number of positive impacts on our property markets and economy.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘The Property Pineapple’ is released every four weeks, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins and admitting their losses. ‘Property Insiders’ is also released every four weeks and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry lead

From Melbourne, Sharon and David discuss foreign investment, specifically looking at approvals by nation. They reveal that 28% of foreign approvals come from China, which is both a good and a potential bad thing.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘The Property Pineapple’ is released every four weeks, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins and admitting their losses. ‘Property Insiders’ is also released every four weeks and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise. For more information about how P

“We’ve been quite hands-on with everything we’ve done…” David sits down with his colleague and namesake, David Robbins (Senior Acquisitions Consultant - Performance Property Advisory), to discuss his background, investing experience, and the benefit he can add to his clients portfolios and wealth creation. Despite doing a valuation course at university, David pursued his first love of motorcycle racing and eventually found himself the proud owner of a motorcycle retail store. With the strength of the internet growing, and an unkind Australian dollar, the store had a difficult time finding customers and they shut the doors after eight years. Along the way though, David kept in touch with the investment market, purchasing his first block of land in Heathcote, which he then moved a weatherboard home onto. He and his brother - who did the same with a place next door - put some more money and work in the house, and then watched as their investments doubled in value in a year. His next purchase was in Montmorency,

“Real estate has really been kept as a separate asset class entirely from the industry, and so financial advisers have never really grown up in an environment where they could recommend real estate in the past.” Old friends David and Joel Hewish catch up for a chat about the financial planning industry and its relationship to property. Joel is the Chief Executive and Chief Financial Strategist of United Global Capital (UGC), a wealth management firm focused helping clients achieve their full financial potential. David notes that traditionally financial planners have been anti-property. He asks Joel why most institutional financial planners don’t recommend property, despite it often being in their client’s best interest. Joel suggests that it is because it doesn’t fit the business model of the financial planning business. Talk turns pretty quickly to the current Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry, which David thinks is highlighting problems that have

David’s there to explain one of the key metrics for investors: the affordability index. Sharon’s there to keep him in line. This technical insight offers an understanding of what the affordability index is, how it’s calculated, and it’s application for potential property investors.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘The Property Pineapple’ is released every four weeks, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins and admitting their losses. ‘Property Insiders’ is also released every four weeks and are conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry lead

“It was literally all the money was pouring into a hole.” Sharon’s guest on this episode of The Property Pineapple is hotelier and family man, Jim Croft. Jim and his wife bought their first property as an investment in 2007. Although optimistic about its investment potential, they also chose the place based on it liveability, in case they would need to stay in it longer than first planned. Jim wanted a place a little further out of town with some land, but his wife pushed for a property more central, with a focus on short-term gain. They compromised and opted for a blue-chip suburb as a safe investment option. The place was an apartment in South Yarra, a short walk to St Kilda Rd, the city, and the MCG. The apartment came furnished, but Jim and his wife weren’t fond of it all. So they purchased new furniture, a TV, cutlery, and other assorted things, and were able to increase their rental yields by over 50%.   They also owe much of this increase to them being ruthless in deciding who could lease the property.

“We know that the State Governments have all but abandoned public and social housing over the last decade in the tens of billions of dollars. And the people who have picked up the slack have been mum and dad property investors.” Ben Kingsley is David’s guest on this episode of Property Insiders. Ben is the host of his own podcast, The Property Couch, as well as being CEO of Empower Wealth and the current Chair of the Property Investors Council of Australia (PICA). Here he chats with David about what PICA is and what its plans for the near future. Ben explains that PICA exists to educate and advocate on behalf of property investors. A relatively recent group, it is not a group set up by business, but rather by other property investors in a response to proposed policy changes which may negatively impact upon the investment market. As opposed to PIPA - which serves the industry professional - PICA serves the consumer. PICA’s key goal is to represent its voter base, something it plans to do through providing memb

Sharon and David are in the Treasury Gardens on a fine Melbourne day for this technical insight on the population pyramid. The population pyramid is the ideal distribution of a populace divided by age. At the top are the oldest demographic, and then the younger the demographic the more people there are creating a pyramid shape. Australia’s is in a pretty good shape, but it is important for potential investors to look at the population pyramid in the market they are considering to give the best chance for a strong economy into the future.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘The Property Pineapple’ is released every four weeks, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents liste

“These types of decisions can impact you more than just financially.” Sharon is joined today by IT professional, David McCracken. Having been investing in property since he was 23, David has a lot of experience with the market. However, he brings with him today not a story of success, but rather a tale of what not to do. David had toiled hard to build up a property portfolio based entirely in Victoria. With land taxes rising and identifying a need to diversify, in 2011 he bought a few property reports that led him to consider Gladstone in Queensland as a potential market. However, he didn’t buy there until 2012, meaning the data he had used to make his decision was at least one year old. But he had already set his mind to buy there, and didn’t really reconsider or reevaluate this decision. At the time Gladstone had a booming local economy due to gas-related projects on the way. Vacancy was basically 0%, rents were sky-rocketing, and it was typical to wait two hours for a meal at the local pub.  David bought t

“You should look for somebody who is a PIPA member, because then you know you can have confidence that they have your interests at heart.” David’s guest on this instalment of Property Insiders is lecturer, author, and Chair of The Property Investment Professionals of Australia (PIPA), Peter Koulizos. He chats with David about PIPA’s objectives, and the benefits it offers both members and consumers. PIPA is the peak association for property investment professionals, providing education to members, as well as helping and protecting consumers with their property investments.  PIPA has a code of conduct that all professionals need to abide by to join and maintain membership. This code of conduct is taken very seriously, and people are often denied inclusion, or have their membership revoked. In joining, members get to be a part of a group whose main aim is to serve the consumer, rather than just to make money for themselves. They can be recognised as a true professional who follow the code and are ethical operato

“Work out what it is that’s stopping you…and do something about it.” Sharon’s guest on this edition of The Property Pineapple is Kerry Ashbrook, founder and director of Life You Choose, an organisation empowering women to achieve financial independence. Kerry has bought 11 properties over her life, and still owns three of them. She sat down with Sharon to discuss a few of these purchases and some of the things she has learned along the way. Kerry spent much of her early years on a caravan travelling around Australia. Although it was often a difficult and challenging experience, it instilled in her the confidence that she could do whatever it was she wanted to do. Along with the caravan, her parents did own a home which they would return to every once in awhile. Over the years, subsequent relocations to different houses showed to Kerry that they were going backwards financially. In the end, after some bad luck, her parents didn’t have a home at all. Even as a child, Kerry witnessed this and knew it wasn’t what

Joining David on a suburban street in Richmond, Melbourne, Heath Bedford (Director of Acquisitions - Performance Property Advisory) grills David about median house prices. They explain what it is and its importance to investors. Check out the article to accompany this podcast episode at www.performancedata.com.au    ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, boosting your technical knowledge and giving you the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘The Property Pineapple’ is released fortnightly, and hosted by Sharon Taylor (Research Analyst - Performance Property Advisory). The show presents listeners with stories from real investors, discussing their wins and admitting their losses. ‘Property Insiders’ are also released fortnightly and are conversations between David McMillan (Director Acquisitions - Performance Property Adv

“I think 90 percent of players will invest in property at some point during their playing days.” David’s guest on this episode of Property Insiders is ex-AFL footballer, builder, and Performance Property Advisory consultant, Greg Stafford. They settle down to talk about the work they do advising young sportspeople about maximising their potentially high, yet short-lived, earnings with the right investments. One of the things that makes sportspeople so unique is their higher salaries as compared to their contemporaries. But due to their youth, the speed with which they amass wealth, and the tendency to spend frivolously, it is important that young sportspeople get the right advice about where to invest their money so it works for them over the long term. Currently, AFL sporting clubs don’t offer this advice themselves, but they are actively encouraging players and provide referrals to trusted advisers. One of these advisers, is Greg Stafford. Greg often advises players to put their money in property as this ha

It’s another lovely day in Melbourne, and Sharon and David are in Fitzroy Gardens to bring you another technical insight. International students head to Australia for a number of reasons, and them being here also has a number of positive impacts on our property markets and economy.    ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘Property Insiders’ is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise. And ‘The Property Pineapple’, also released fortnightly, brings you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).  For more information, includi

On a deceptively hot morning, David and Sharon are in Melbourne’s Treasury Gardens for this insight instalment. Looking at some of the pros and cons of foreign investment, they weigh the situation up with reference to both established and new or off-plan properties.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘Property Insiders’ is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise. And ‘The Property Pineapple’, also released fortnightly, brings you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).  For more information, including videos and wri

“There’s no set rule between owner-occupier and investor. I believe it all comes down to your profile.” David gets together again with Mark Davis from The Australian Lending & Investment Centre (ALIC) to chat around the question…  Should you fix your interest rate? David and Mark first talk about the process behind how the RBA and banks set interest rates. This includes all the things taken into consideration and also its application to term deposits. They then talk more specifically about the pros and cons of going with a fixed or variable interest rate. The truth is there is no hard and fast rule, and that either, or a combination, may best for your situation.  Mark also tells David that there should be no real difference between owner-occupiers and investors in terms of interest rates. That being said, variable rates are certainly more risky, and this sometimes makes them more attractive to investors who possess a larger cash buffer. David asks Mark about any tax benefits, which exist for investors on

Coming to your ears from the Performance Property Advisory offices in Collins St, Melbourne, Sharon and Phillip bring you an insight on LVR - Loan to Value Ratio. They discuss what it is, and also its implications for Lender’s Mortgage Insurance.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘Property Insiders’ is released fortnightly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise. And ‘The Property Pineapple’ is monthly, bringing you real-world experiences of actual investors in conversation with Sharon Taylor (Research Analyst - Performance Property Advisory).  For more information about how Performance Property Data can help you maximise y

David chats with Phillip Almeida (Director Acquisitions at Performance Property Advisory) about relationship between credit growth and house price growth. Credit growth is growth investors see through consumer credit, home loans, business loans or personal loans. They discuss the positive correlation between the two types of growth, where as one goes up, so does the other. Conversely, as credit growth slows, so does house price growth, which is the situation the Australian market is currently in.   ‘Performance Insights’ is one of three segments you will hear on the Performance Property Data podcast. They are released every Wednesday and Friday, giving you technical knowledge and the lowdown on key property markets around Australia. You can also view these episodes as videos on our youtube channel. ‘Property Insiders’ is released monthly and feature conversations between David McMillan (Director Acquisitions - Performance Property Advisory) and industry leaders offering knowledge and expertise. And ‘The Prope

Sharon invites her friend and colleague, Phil Almeida (Director Acquisitions at Performance Property Advisory) to chat about his property investing journey. Starting out as a 19 year old, Phil’s first purchase was in the outer-Melbourne suburb of Sunbury. He acknowledges now that he was perhaps a little underprepared for such an investment, and had to take second job and work 7 days a week in order to make the mortgage repayments. His next purchase was a joint venture with a group of friends. Over a few beers one night, they made a plan to buy a property together and the four of them each saved up $10,000 for a deposit. They found a suitable place, but it wasn’t to be. During the settlement period, they received notice that the vendor would be pulling out of the contract. However, with the help of a lawyer, they didn’t give up so easily, and after a mediation session walked out with $85,000 between them.  The money was used to start their portfolios, and they next bought a block of land in Frankston. With the