With Christmas approaching, many Australians tell themselves they’ll “wait until the new year” but that delay often comes with a hidden cost. From rising build prices to increased land values and missed capital growth, this conversation breaks down why waiting can be far more expensive than taking action now.

This isn’t theory. It’s based on real client stories, market data, and decades of experience in the Australian property market.

Key Highlights:

• Procrastination is the silent killer of long-term wealth
• Why “waiting until after Christmas” often costs tens of thousands of dollars
• The two times every year builders typically increase prices, and why December matters
• How rising construction costs push up all property prices, not just new builds
• The myth of the “perfect time” and the “perfect property”
• Real examples of investors who waited and the opportunity cost they paid
• How mindset, not money, is often the biggest barrier to investing
• Why interest rates shouldn’t be the deciding factor in smart property decisions
• The danger of taking advice from people who’ve never invested
• Why taking a long-term view changes everything

Key takeaway:

There will always be a reason not to act, interest rates, the economy, kids, work, life.
But history shows that people who wait for certainty usually pay a much higher price later.

Property isn’t about timing the market perfectly.
It’s about time in the market.

If you've been thinking about investing but keep finding reasons to delay, now is the time to get clarity.

If you want help understanding:

- What you can afford

- What strategy makes sense for you

Get in touch with the OpenCorp team.

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After moving from New Zealand to Perth with their son, Alex and Awhina set out to build a better life, one that could lead to financial freedom and an early retirement at 40. With clear goals and a willingness to do things differently, they started their property investing journey with OpenCorp.

But it didn’t stop there. By sharing their story and encouraging friends and family to start investing too, they’ve helped others get on the same path to long-term wealth creation.

As proud members of the OpenCorp Ambassador Club, Alex and Awhina recently visited us in Melbourne to talk about their experience, and as a thank you, we treated them to the biggest game of the AFL season. 🏉

Their journey is honest, inspiring, and full of lessons about mindset, action, and the power of sharing what works.

In this episode:

• The moment Alex and Awhina decided to change direction
• How they built a plan to achieve financial freedom by 40
• What it means to “do things differently” in property investing
• The ripple effect of sharing your story and helping others invest
• Why community and education matter as much as strategy

Listen Now:

Tune in and hear how one couple turned bold decisions into a life they love.

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Mathew’s story spans more than a decade, from early mistakes in mining towns to building a multi-property portfolio across Queensland and Western Australia. His journey is proof that everyday Australians can achieve lasting wealth through education, strategy, and persistence.

What you'll learn:

- The power of starting with strategy

- Compounding, consistency, and the long game

- Discipline over regret

- How OpenCorp's system made the difference

Key takeaways:

Education Matters: Investing without guidance can cost years of grwoth

Stick to the fundamentals: Right area, right time, right structure

Mindset is everything: Focus on where you want to be in 5 years, not tomorrow

Trust the process: Even through market cycles and building delays, the strategy works

Discipline beats comfort: Sacrifices today create freedom tomorrow

Quote of the episode:

“I didn’t finish high school, I left at sort of like, you know, year 11. So it was never really like an academic. All I knew was I just was good at working hard. So yeah, it was probably like the first real book I read from start to finish. And yeah, I’ve actually recommended that book to a few other people.” - Mathew Bellomia

Whether you're starting out or scaling up, OpenCorp can help you build your property portfolio with confidence and proven results.

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They unpack how changes to income and price caps, coupled with surging population growth, are likely to turbocharge demand, push up entry-level prices, and spark a bottom-up market recovery. Whether you’re a first-time buyer or a seasoned investor, this conversation breaks down what’s happening, why it matters, and how to position yourself for growth.

Key discussion points:

• What the Home Guarantee Scheme is, and isn't
• Policy updates that change the game
• Flow-on effects for investors
• Population growth vs. housing supply
• Investor mindset and timing

Key takeaway: 

Even though the Home Guarantee Scheme isn’t designed for investors, it’s one of the most investor-friendly policy shifts in years, because it fuels demand, compresses supply, and accelerates market confidence.

Now is the window to act before prices start moving from the bottom up.

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Highlights:

• Auction Sentiment and Market Heat: Boz and Al break down why Melbourne’s clearance rates are up, what that really signals, and why auctions can be misleading as a measure of true supply and demand.
• The Underquoting Debate: A candid take on why complaints about underquoting miss the point and why doing your own due diligence beats relying on an agent’s price guide.
• Why Auctions Don’t Suit Investors: Clear analogies (including the $2 petrol example!) show how winning at auction usually means overpaying, which contradicts the core principles of smart investing.
• Optimum Size and Quality: Insights into buying below the median price point with the right floorplan and demographic fit to maximise rental return, tax benefits, and long-term growth.
• Life is for Living: Why managing cash flow smartly lets you hold more properties with less stress and why boring, repeatable investing strategies often outperform the auction rollercoaster.
• Final Takeaway: Auctions may make for exciting TV, but investors should stick to proven, disciplined buying strategies to build sustainable wealth

Thanks for tuning in! If you found this episode valuable, share it with your friends and family. Stay tuned for more practical insights on building wealth through property.

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After discovering OpenCorp’s Brick to the Future podcast and running the numbers on his own home’s equity, Tyler took the leap and hasn’t looked back. In this episode, Tyler opens up about the fears, delays, and doubts he and his wife faced along the way and how their first investment now brings in $1,800/month in positive cash flow.

Whether you’re a young couple wondering if you can invest, or someone who thinks property is out of reach without a six-figure salary, this conversation is proof that mindset, education, and the right team can change your future.

Watch: https://youtu.be/aYjZxQ0XpDs

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From jaw-dropping stats (like the 60% of people who don’t know how much debt they have) to practical money strategies, Cam and Michael break down what it really takes to go from stuck to successful.

You’ll learn:

• Why understanding your true income and debt is non-negotiable
• How unused credit cards could be silently sabotaging your borrowing power
• The spending habits that might be holding you back—and how to reset them
• Creative ways to accelerate your deposit savings (including Cam’s $500 challenge with his daughter)
• Why sacrifice now equals speed into the market later
• The timeless 10% savings principle, and how to make it work for you

This isn’t just theory, it’s the same strategy used by OpenCorp clients, including millennials making smart moves in today’s tough market.

Whether you're a want-to-be rentvestor, a first-timer, or just tired of sitting on the sidelines, this episode is your wake-up call to take action.

Listen now to take your first confident step toward property investment.

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In this episode, Khaysan shares her journey from growing up in a caravan park to building a property portfolio that now costs her just $94 a week to hold. She shares her storey of resilience, a clear plan, and OpenCorp’s structured guidance helped her leverage equity, buy multiple properties, and invest confidently despite setbacks and interest rate challenges. 

Khaysan also explains her role as a Portfolio Manager, helping clients stay accountable, cut through media noise, and time their next moves so they can grow their portfolios faster while still enjoying life. A practical, inspiring discussion showing everyday Australians how to take action and build wealth without waiting for the “perfect time.” 

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Khaysan highlights how powerful strategic tax planning can be, citing a real client who reclaimed $43,000 over two years due to expert intervention. 

 The episode offers actionable advice, including differentiating repairs vs. improvements and securing depreciation schedules. With real examples and tips, the conversation empowers listeners to leverage tax benefits, build lasting wealth, and avoid common financial missteps in property investment. 

Other practical tax tips discussed include:

• Maintaining organised property records (folder per property, per year)
• Understanding the difference between repairs (deductible) vs. improvements (capitalised)
• The importance of depreciation schedules
• Prepaying eligible expenses like landlord insurance
• Having a trusted, experienced team who has achieved similar investment goals

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1. Tariffs and Their Impact: The hosts discuss U.S. tariffs, particularly on goods like beef, iron ore, and cars. Tariffs lead to increased costs for American consumers and affect supply chains, which creates uncertainty in global markets, including Australia's economy.
2. Uncertainty and Market Reactions: The discussion emphasises that uncertainty often leads to government responses, such as interest rate cuts and economic stimulus, which can lead to buying opportunities in the property market. Historically, periods of uncertainty have resulted in significant property market gains, such as during the GFC and COVID-19.
3. Current Market Outlook: Despite global uncertainties, there is a strong outlook for the Australian property market, driven by potential interest rate cuts and the stimulus provided by government policies. The hosts highlight that the property market is poised for growth, particularly in Victoria, where housing prices are currently undervalued.
4. Investment Strategies: The hosts encourage listeners to view uncertainty as an opportunity, noting that downturns often lead to long-term gains for property investors. They mention that now could be a prime time to invest, as interest rates are expected to fall, increasing borrowing capacity and fueling further market activity.
5. Historical Perspective: The conversation reflects on how past periods of uncertainty, such as during the introduction of GST and the GFC, led to profitable property investments, reinforcing the idea that investing during uncertain times can yield high returns.

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Tanya shares how she overcame fear, self-doubt, and market uncertainty to purchase her first investment property in Perth, later expanding her portfolio through a self-managed super fund. 

She opens up about the emotional journey behind the numbers, from questioning whether she could invest solo, to the moment she received her first rental payment—a powerful milestone in her path to financial independence.

Whether you're new to investing, navigating life changes, or looking to take control of your financial future, Tanya’s story is packed with inspiration, strategy, and proof that it’s never too late to start. Tune in to hear how she’s building real wealth—not hype—and setting a powerful example for the next generation.

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The discussion delves into one of Australia's top 10 lenders, Bank of Mum and Dad, exploring the strategies and stigma. With property prices soaring, the amount needed for a deposit has climbed too. And that's left many people with no option but to turn to the Bank of Mum & Dad. Parental assistance to get into the property market has grown, and yet there's a stigma around it - a stigma that doesn't exist for inheritances.

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Why People Prefer Established Properties

1. Visual Appeal – Buyers are drawn to what they can see, such as a well-maintained house with a nice garden.
2. Emotional Connection – Buyers feel comfortable with the ability to physically inspect and envision themselves in the home.
3. Fear of Construction Issues – Concerns about builder reliability, project delays, and unexpected costs deter some buyers from choosing new builds.

Why New Builds Are a Better Investment

1. Lower Maintenance Costs – New homes require fewer repairs, whereas older homes often have unexpected expenses within months of purchase.
2. Higher Rental Yield – New properties tend to attract tenants faster and command higher rental income.
3. Stamp Duty Savings – Buyers only pay stamp duty on the land value, making upfront costs lower.
4. Depreciation Benefits – Tax advantages from depreciating fixtures and fittings help investors reduce taxable income and offset holding costs.
5. Cash Flow Control – With new builds, costs are more predictable, reducing financial strain on investors.

Avoiding Overcapitalisation

• Investors should avoid building excessively large homes that won’t yield proportional increases in rent or resale value.
• The optimal property size and design for a given area is crucial for maximising returns.
• OpenCorp applies data-driven methods to ensure clients don’t overspend on unnecessary features.

Lessons from Experience

• Cam shares a personal anecdote about a past investment mistake involving a poorly planned development that led to unnecessary expenses.
• Learning from such experiences has allowed OpenCorp to refine their investment strategies, ensuring clients make smarter financial decisions.

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Discover the keys to Australian property investment success in bestseller, My Four-Year-Old, the Property Investor.

With over 120,000 copies sold, this audiobook offers:

• Clear understanding of Aussie property investment
• 3 easy steps to find top-notch investments
• Tools & checklists to reduce risk & boost returns

OpenCorp's Author Cam McLellan, a successful property investor, businessman and father, shares his knowledge that has allowed him the option to retire in his 30s, build a substantial property portfolio and found a number of companies that feature in five BRW fast growth lists.

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Interest Rate Cuts and Their Impact: A reduction in interest rates will increase borrowing power, making it easier for individuals to borrow more money. This will lead to increased competition among buyers, especially in the lower end of the property market.

Inflation and Sentiment: Inflation measures the increase in the cost of goods, and the Reserve Bank targets inflation at 2-3%. As inflation comes under control, the likelihood of interest rate cuts increases, boosting market sentiment and consumer confidence.

Property Market Dynamics: The property market is driven by supply and demand, with a long-term undersupply of affordable housing in Australia. As borrowing capacity improves, buyers can afford to pay more, potentially driving prices up.

Borrowing Capacity and Housing Affordability: A 0.25% rate cut could allow someone borrowing $600,000 to save $1,500 annually, or borrow up to $30,000 more. This could make it easier for first-time buyers to enter the market.

Competition and Price Growth: With more people able to afford homes, competition at the entry level of the market will increase, driving up prices. As the auction clearance rate rises, enthusiasm will build, leading to broader price growth.

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• Both partners must participate in property investment discussions to align on goals and overcome doubts.
• OpenCorp has a strict policy of not engaging with individuals whose partners are not involved in the process.

Driver vs. Passenger Dynamic:

• In most relationships, one partner drives the decision-making, while the other may be hesitant or skeptical.
• Skepticism arises from internal fears (e.g., perceived risk, affordability) and external challenges (e.g., obtaining finance).

Overcoming Objections:

• Common objections include fear of debt, lack of time, skepticism about property markets, and misconceptions that investing is only for wealthy individuals.
• Education and understanding the process are crucial to dispel fears and build confidence.

Shift in Roles Over Time:

• Initially hesitant partners often become active participants after seeing positive results, even taking the lead on subsequent investments.

Affordability and Accessibility:

• The podcast emphasizes that property investment is accessible to everyday Australians and doesn’t need to significantly impact lifestyle if done strategically.

Call to Action:

• Couples are encouraged to learn, align, and work together to achieve financial goals, with the suggestion to listen to resources like the podcast for motivation and clarity.

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When’s the Best Time to Get in the Market?
This discussion sheds light on why waiting for the "perfect moment" may actually cost you. Cam and Al share their thoughts on market cycles, economic conditions, and the power of taking action now to leverage long-term growth.

How to Identify a GREAT Property Investment
Finding the right property is more than just choosing a good location. 
Breaking down the key characteristics of high-performing investment properties, including cash flow, growth potential, and market demand. They also discuss avoiding common pitfalls and costly mistakes when selecting an investment.

Why You SHOULD Be Investing in Property
From building generational wealth to gaining control of your financial future. Cam and Al tackle common hesitations, explain why property remains one of the safest and most lucrative investment strategies, and share examples of how others have transformed their lives through it.

Should You Rent Where You Live?
The idea of "rentvesting" is explored as a strategic option for those wanting to live in high-cost areas while investing in more affordable, high-growth markets. Cam and Al explain how this approach allows flexibility while still building wealth through property ownership.

How Cam and Al Have Managed to Innovate in Nearly 20 Years of Business
Reflecting on OpenCorp's two decades of success, Cam and Al share how they've adapted to market changes, embraced innovation, and stayed ahead of the curve to continually deliver value to their clients. Their journey is filled with lessons on resilience, vision, and staying true to their mission.

How Duplicating Your Investment Can Change Your Life
OpenCorp's strategy emphasises scalability. They discuss how starting with one property and systematically reinvesting equity can snowball into a portfolio that provides financial security and freedom, offering actionable steps for building a scalable investment strategy.

The Importance of Identifying Limiting Beliefs Around Money and Property
Fear and self-doubt often hold people back from pursuing their financial goals. Cam and Al unpack common limiting beliefs about money, debt, and property investment, offering advice on overcoming these mental blocks and adopting a growth mindset.

Putting a Spotlight on the Alternative to Property Investment (Can You Afford Not To?)
The cost of doing nothing is rarely discussed but can have a lasting impact. Cam and Al explore the consequences of inaction, including missed opportunities, rising property prices, and long-term financial insecurity. They make a compelling case for why choosing not to invest may not be an option for those seeking financial freedom.

What Does OpenCorp Do for Their Clients?
OpenCorp's client-focused approach. From strategic advice and property selection to portfolio management and financial coaching, Cam and Al explain how their services are designed to simplify property investment and set clients up for long-term success.

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With a focus on property investing. Key points include:

The Life Quadrants Method:
Cam explains his framework for goal setting:

• Lifestyle: Desired vacations and leisure time.
• Relationships: Quality time with loved ones.
• Health: Dedicated time for fitness and well-being.
• These goals are quantified into a required annual passive income, which guides investment strategies.

Personal Experiences with Goal Setting

• Cam started with a goal of $200,000 in passive income at 19, using property investing as a tool to achieve it.
• Al used visualisation techniques, like placing reminders around the house, to stay focused.

Encouragement for Setting Financial Goals:

• Clients are encouraged to work backwards from their desired passive income to set a clear investment roadmap.
• Achieving financial independence requires a combination of a vision, action plan, and commitment to the process.

Inspiration Through Hard Work:

• Cam shares his journey of working multiple jobs to save his first deposit, emphasising that determination and strategic planning make property investment accessible.
• Listeners are encouraged to set clear goals and take action for financial freedom.

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Key milestones include leveraging equity instead of savings, overcoming the challenge of investing in properties sight unseen, and setting up a self-managed super fund to maximise her returns. She highlights the importance of trusting the process, staying engaged through regular six-monthly reviews, and following OpenCorp’s proven strategies.

For Sharon, the ultimate goal is financial independence—living the lifestyle she desires, retiring on her terms, and creating wealth to support her children. Her success has even inspired friends and family to begin their own property journeys.

This story is a testament to taking action, trusting expert advice, and staying committed to long-term goals.

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Market Trends:

• Supply and Demand: A housing shortage and rising immigration are driving prices upward.
• Interest Rates: Predictions suggest a potential decline in interest rates, which could lead to significant property price growth (1% rate drop = 10% price increase).
• Affordability Challenges: While inflation eases, high interest rates still limit borrowing capacity. However, property prices continue to rise, even under these constraints.

Capital City Analysis:

• Melbourne: Despite being undervalued compared to Sydney, Melbourne's market is poised for a rebound as investor equity from other cities flows in. Land tax concerns are viewed as minor compared to potential capital gains. Sydney: Serves as a lead indicator for market trends, with strong business-driven growth. Brisbane: Experiencing record buyer activity, indicating a hot market. Perth: Previously avoided by investors but now showing high growth potential due to rental increases and undersupply in specific pockets.
• Buyer Sentiment:
• Confidence in property as a long-term investment is rising, driven by positive media narratives and shifting perceptions.
• Consumer sentiment is at its highest in three years, indicating growing optimism.

Predictions for 2025:

• Strong price growth across all major markets, particularly in Melbourne, Brisbane, and Perth.
• Investors who act now are likely to benefit significantly, avoiding the regret of missing opportunities.

Actionable Advice:

• The year-end holiday period is an ideal time to plan and prepare for investments.
• Understand the tangible benefits of property gains (e.g., leveraging equity for further investments or life goals).

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• Ross and Jen decided to upgrade their family home for a better lifestyle while investing in Brisbane.
• 
  
• Their investment property, valued in the mid-to-high $500,000s, has appreciated significantly due to strategic location choices and developing infrastructure.

Remote Property Purchase Process:

• The couple purchased their investment property sight unseen, a growing trend (93% of clients) facilitated by OpenCorp’s remote services during COVID-19.
• They trusted OpenCorp’s team despite not meeting face-to-face, citing smooth communication and a strong reputation as key factors.

Motivations for Investing:

• Their goals included securing financial stability for their family and leveraging property as a long-term investment strategy.
• Ross highlighted the importance of unemotional decision-making, focusing on market growth potential rather than personal attachment to the property.

Challenges and Process Management:

• Initial challenges included navigating the volume of paperwork, contracts, and communication during the build process.OpenCorp’s team, including finance brokers, property strategists, and portfolio managers, provided comprehensive support, simplifying the process and ensuring confidence in decision-making.

Positive Investment Outcomes:

• Strategic location choices in Brisbane, near infrastructure development, led to significant property value growth shortly after completion.
• Ross appreciated OpenCorp’s guidance in identifying areas with high growth potential before infrastructure was fully established.

Future Goals:

• Ross and Jen are focused on balancing debt repayment for their home and expanding their investment portfolio.
• They feel more confident about their financial future thanks to their investment strategy.

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• Matt transitioned from podiatry to property investment after realising his property portfolio was outperforming his earned income.
• He highlights his experience managing three podiatry clinics before entering property investment full-time.

Light Bulb Moments:

• Matt's "aha moment" was seeing his property portfolio’s growth surpass his business income.
• He addresses misconceptions about property investing, such as it being only for the wealthy, emphasising affordability and strategic planning.

Personal Journey:

• He and his wife Kristy began as "rentvestors," renting in Melbourne’s affluent Bayside area while investing in properties elsewhere.
• They overcame common concerns like holding costs and tenant issues by working with OpenCorp.

Property Portfolio Development:

• Matt started investing in 2020 with properties in Brisbane, achieving significant growth.
• He expanded his portfolio with properties in Perth despite challenges like construction delays, later benefiting from substantial rental yields and price appreciation.

Family and Mindset:

• Matt didn’t inherit investment knowledge but cultivated an abundance mindset through business coaching and learning.
• He advocates for setting clear goals and timelines, such as building a portfolio to generate passive income and eventually fund a dream home.

Transition to OpenCorp:

• As a property strategist, Matt applies his background in problem-solving to help clients achieve financial freedom.
• He emphasises the value of expert guidance, comparing OpenCorp’s role to that of a coach or personal trainer for property investment.

Advice to New Investors:

• Matt encourages starting as soon as possible, addressing fears by seeking expert advice.
• He underscores the importance of leveraging data-driven strategies rather than relying on anecdotal research or hesitation.

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Journey to Property Investment:

• Pascal and Georgia preferred living in Box Hill but found purchasing a home there unattainable due to high costs.
• They decided to invest in property rather than buying a personal residence, also known as "rentvesting".

Motivation and Influences:

• Inspiration came after reading a property investment book by Cam McLellan. "My Four Year Old the Property Investor"
• Pascal’s father, after reading the same book, offered to use equity from his home to help fund Pascal's entry into property investing.

Myths and Misconceptions:

• Pascal challenges the idea that “rent money is dead money,” explaining that renting can be viable if you’re investing wisely.
• Discusses how outdated ideas like these often stem from industry marketing tactics.

Financial Support and Strategy:

• With OpenCorp’s assistance, Pascal’s father released $100,000 equity to fund Pascal’s first investment.
• OpenCorp provided a comprehensive plan, or “roadmap,” to help him grow his portfolio over time.

Challenges and Sacrifices:

• To prove his financial commitment, Pascal sold his car and adhered to a strict savings plan.
• Overcame initial fears about debt with guidance on the structure and financial viability of the investment.

Investment Progress:

• After purchasing his first property with OpenCorp, Pascal is on track for a second.
• His portfolio has already grown significantly, with $200,000 gained in equity within 18 months.

Advice and Takeaways:

• Pascal emphasises the importance of planning, education, and taking action rather than relying on outdated financial beliefs.
• Encourages parents to consider helping their children with equity to assist with getting into the market. 

Pascal’s experience showcases how family support, a clear investment strategy, and expert guidance can make property investment accessible and rewarding.

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Future Policy Speculation: The likelihood of abolishing negative gearing is low due to past political backlash. The discussion speculates on the government’s strategic use of this topic to gain votes, despite a low probability of actual reform.

Negative gearing as an essential tool for maintaining a balanced housing market, where its modification, rather than elimination, could address both investor and social needs.

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Key Topics Covered:

1. Challenges of Saving for a 20% Deposit
   • The average deposit needed is now $159,000—a 50% increase since 2020, meaning it can take up to 10 years to save the full amount in today’s market.
   • Median property prices jumped 7% from 2023 to 2024, highlighting the financial cost of waiting.
2. Why Paying LMI is a Strategic Choice
   • Lenders Mortgage Insurance (LMI) allows buyers to enter the market sooner with a 5-10% deposit.
   • Although LMI is an additional cost (typically 1-2% of the loan), it enables buyers to capture property appreciation immediately.
3. Outpacing Rising Prices and Building Wealth
   • By opting to pay LMI, buyers may achieve faster equity growth than they would by saving for a 20% deposit.
   • For investors, LMI is often tax-deductible, further reducing its impact on overall costs.

Takeaway:
For many, paying LMI is a stepping stone to get into the property market today, potentially offering more financial benefits than saving for years. If you're ready to learn how LMI can work for you, tune in to hear why it’s a tool worth considering in your property journey.

Questions?
hello@opencorp.com.au

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Be proactive and strategic in using mortgages and equity to build wealth and reduce dependence on long-term repayment schedules.

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Twitter: @OpenCorp_au
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Cam McLellan’s strategy emphasises the importance of control, leverage, and strategic action in property investment. By using equity, leveraging other people’s money, and accumulating assets quickly, you can cut years off your working life and enjoy financial freedom sooner than you ever thought possible.

So, if you’re considering diversifying your investments, think carefully about what that really means. Do you want to spread your wealth across different assets with little to no control? Or do you want to take control of your future by building a property portfolio that works for you?

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The conversation emphasizes using tax benefits to maintain a good quality of life while growing a property investment portfolio. It also encourages consulting knowledgeable accountants and using the right financial tools.

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1. Removal of No-Grounds Evictions: Landlords must now provide a valid reason for ending a tenancy, similar to Victorian laws. Reasons may include property sale, moving in, or renovations.
2. Rent Bidding: It is now illegal for landlords or agents to solicit offers above the advertised rent.
3. Minimum Standards for Habitation: These include structural soundness, lighting, ventilation, plumbing, and disclosure of property issues like flooding or significant repairs.
4. Rent Increases: Rent can only be increased once per year.

Queensland:

1. Rent Bidding Changes: Landlords cannot accept unsolicited higher offers from tenants, emphasizing the need for accurate rental pricing from the start.
2. Rent Increases: Linked to the property, not the tenancy. This affects situations like break leases, where previously rent could be adjusted if tenants left early.
3. Minimum Housing Standards: Effective from 2023 for new tenancies, and soon for all properties, these include standards like mold-free environments and privacy for all bedrooms (e.g., with blinds).
4. CPD (Continuing Professional Development) Points: Upcoming changes will require property managers to complete annual training monitored by the Office of Fair Trading to stay updated on legislation.

These changes reflect a growing emphasis on tenant rights, transparency, and professional standards in property management.

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Key points include:

Entry Price and Borrowing Capacity: Blue-chip properties require higher entry prices, which limits growth potential as they are more expensive and often yield lower rental returns. Growth suburbs offer more affordable entry points, making it easier for investors to buy multiple properties.

Cash Flow and Holding Costs: Investing in blue-chip areas typically results in higher holding costs, which can negatively affect cash flow. Growth suburbs, on the other hand, allow investors to hold more assets for less out-of-pocket costs due to lower entry prices and higher rent-to-purchase ratios.

Emotional Attachment: Many first-time investors make emotional decisions by purchasing properties in areas they are familiar with or emotionally attached to, often leading to less favourable financial outcomes. A more strategic approach involves purchasing properties based on financial fundamentals.

Leveraging the System: TIPS:  Experienced investors understand how to navigate  the financial system, particularly through understanding valuations. Properties in growth areas, bought strategically under the median house price, tend to be valued comparatively to their greater counterparts, where this can lead to greater equity growth over time.

Market Cycles: In a market driven by affordability and supply-demand dynamics, growth suburbs consistently outperform blue-chip areas. Blue-chip properties may see short bursts of high growth during favourable economic conditions, but growth suburbs tend to provide greater, long-term capital appreciation.

Data-Driven Decisions: At OpenCorp we have over 20 years of client data that consistently shows that investing in growth suburbs delivers superior returns compared to blue-chip areas, with clients outperforming the market by significant margins.

The conclusion is that while blue-chip properties may seem appealing due to their prestige and location, they often underperform compared to well-chosen growth suburb properties in terms of portfolio scalability and wealth creation.

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• The podcast focuses on providing property investment strategies to everyday Australians.
• Emphasis on minimizing risk and making informed investment decisions.

Discussion Overview:

• Cam McClellan's appearance on the Today Show about the "Bank of Mum and Dad" generated significant interest.
• The main topic is how parents can assist their children in entering the property market.

Challenges in the Property Market:

• Australia's property market is facing a supply-demand imbalance with rising prices and population growth.
• Current building approvals are significantly below the ten-year average, exacerbating the issue.
• McClellan's concern is that young adults will struggle to save enough for deposits in the future.

Strategies for Parents:

• McClellan advocates for parents to invest in property now to help their children in the future.
• He discusses a strategy of buying property with a current deposit, allowing it to appreciate over time.
• This approach aims to provide a substantial financial benefit to children without "silver spoon feeding" them.

Implementation:

• McClellan emphasizes the importance of setting up a trust structure to manage the property investment.
• He explains that parents can control the property through a trust, with children as beneficiaries.
• This structure ensures clear agreements and prevents conflicts among siblings.

Key Takeaway's:

• McClellan stresses the urgency of making decisions now due to the ever-increasing property prices.
• He encourages parents to consider whether to assist their children immediately or wait until later.
• The podcast ends with a call to action for parents to help their kids enter the property market before prices become prohibitive.

Resources Mentioned:

• Download Cam's Book "My Four Year Old The Property Investor"
• Listener Feedback: We love hearing from you! Share your thoughts on this episode and suggestions for future topics by leaving a review or contacting us directly through our website.

Sponsor:

• This episode is brought to you by OpenCorp. Helping everyday Australians achieve financial independence through smart property investment. Visit OpenCorp to learn more. Thanks for tuning in! If you found this episode valuable, please share it with your friends and family. Stay tuned for more insights on making smart property investments and achieving financial independence.

Enjoy the episode and happy investing!

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Maximizing Rent and Tax Benefits:

Rent: Due to the rental crisis, rents are increasing, allowing investors to treat rental income increases as a form of pay rise.

Tax Benefits: New properties often offer greater tax benefits compared to established properties, which can amount to an extra $100 per week—enough to help hold a second property.

Tax Variation Form: Investors can use a tax variation form to receive tax benefits throughout the year rather than waiting until the end of the financial year. This can provide additional monthly income to cover holding costs.

Real-World Example: An example from a recent client demonstrated how a property that was initially cash flow positive turned slightly negative due to rising interest rates. However, the increase in rent and tax benefits helped maintain the property with minimal out-of-pocket expenses. Watch the Real World Example discussed here: https://bit.ly/3X4yGDj

Cost of Waiting: The importance of taking action rather than waiting for perfect market conditions, as waiting can significantly increase the cost of holding a property.

Conclusion: By strategically selecting properties, maximising rent and tax benefits, and using tools like tax variation forms, investors can hold multiple properties without negatively impacting their lifestyle. This approach has been successfully applied by OpenCorp for over 20 years.

Watch the Real World Example discussed here: https://bit.ly/3X4yGDj

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Highlights:

• Introduction to the MAP Process: Understanding the importance of a systematic approach in property investment. The MAP process—Market, Area, Property—ensures that investors make data-driven decisions rather than emotional ones.
• Why Most Investors Get Stuck: Exploring the common pitfalls, such as buying property in familiar postcodes and the lack of a structured approach, which leave many investors with just one property.
• Step-by-Step Guide to the MAP Process:
  • Market: Identifying the best capital cities and regions for investment based on current market cycles.
  • Area: Focusing on growth corridors within selected markets, taking into account factors like infrastructure, job diversity, and urban growth boundaries.
  • Property: Zeroing in on the optimal property type and size for the area, considering factors such as land content ratios, proximity to amenities, and overall investment potential.
• Data-Driven Decisions: Emphasizing the role of data analysis in the MAP process, with OpenCorp's team of data scientists dedicating around 19,000 hours annually to research and analysis.
• Avoiding Overcapitalization: Tips on how to avoid overcapitalizing by understanding the local market and ensuring the property value aligns with the area.
• The Importance of Expert Guidance: The benefits of working with experts who have a structured process and deep market knowledge to ensure the best investment outcomes.

We love hearing from you! Share your thoughts on this episode and suggestions for future topics by leaving a review or contacting us directly through our website.

Sponsor:

• This episode is brought to you by OpenCorp. Helping everyday Australians achieve financial independence through smart property investment. Visit OpenCorp to learn more.

Thanks for tuning in! If you found this episode valuable, please share it with your friends and family. Stay tuned for more insights on making smart property investments and achieving financial independence.

Enjoy the episode and happy investing!

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Twitter: @OpenCorp_au
LinkedIn: https://www.linkedin.com/company/opencorp-au
Instagram: @OpenCorp

• Lazy equity refers to the unused equity in a property, which can be leveraged to make additional investments.
• The conversation opens with a discussion about how people often overlook the potential of lazy equity, leaving it "lazy" and unproductive.

Understanding and Using Lazy Equity:

• Explanation of "lazy equity" and example discussed in real terms; " if a property is valued at $1 million with a $500,000 mortgage, the difference ($500,000) represents potential lazy equity."
• This equity can be borrowed against to fund further investments, such as purchasing another property.

Strategic Use in Investments:

• By borrowing against lazy equity, investors can cover deposits, fees, and even construction costs for new properties.
• The importance of using this strategy to avoid out-of-pocket expenses and to maintain personal lifestyle without financial strain.

Common Mistakes:

• A significant mistake highlighted is underestimating the amount of lazy equity available or failing to utilise it effectively.
• Investors are advised to work with investment-focused brokers who understand these structures to avoid costly errors, such as underestimating interest costs during construction.

Practical Advice:

• Setting up an equity line that includes a buffer for interest payments during property development phases.
• The importance of separating home equity from investment equity to avoid cross-collateralization, which can complicate financial management.

Conclusion:

• Lazy equity is a tool for expanding one's property portfolio without additional cash input.
• Investors are encouraged to be smart about leveraging this equity to maximize returns while minimizing risks.

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Description: In this episode, we dive into the growing trend of parents helping their children enter the property market, often referred to as the "Bank of Mum and Dad." Cam McLellan discusses the challenges young Australians face in saving for a deposit and how parents can creatively and responsibly assist their children. This episode offers practical advice for families looking to navigate the complexities of modern property investment.

Highlights:

• Introduction to the Bank of Mum and Dad: Cam McLellan addresses the common perception of young Australians relying on parental assistance to enter the property market, comparing today's challenges with those faced by previous generations.
• Economic Realities of 2024 vs. 1980: A look at the stark contrast between the property market and average incomes in the 1980s compared to today, highlighting why it's significantly harder for young people to save for a deposit.
• Strategies for Helping Kids Enter the Market: Discussion on various ways parents can assist their children, including the use of equity gifts, going guarantor, and joint ventures. These methods can help mitigate risks and responsibilities for both parties.
• Case Study: Pascal and Family: A real-life example of how one family used an equity release to help their child enter the property market. This segment provides insights into the process, benefits, and long-term goals of property investment.
• Practical Tips for Parents: Advice for parents considering helping their kids, emphasizing the importance of responsible financial planning and ensuring that children are involved in the process, including saving and understanding the financial commitments.
• Key Takeaways: Reflecting on the importance of starting early and thinking creatively to navigate the current property market challenges.

Resources Mentioned:

• Download Cam's Book "My Four Year Old The Property Investor"

Listener Feedback:

• We love hearing from you! Share your thoughts on this episode and suggestions for future topics by leaving a review or contacting us directly through our website.

Sponsor:

• This episode is brought to you by OpenCorp. Helping everyday Australians achieve financial independence through smart property investment. Visit OpenCorp to learn more.

Thanks for tuning in! If you found this episode valuable, please share it with your friends and family. Stay tuned for more insights on making smart property investments and achieving financial independence.

Enjoy the episode and happy investing!

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Twitter: @OpenCorp_au
LinkedIn: https://www.linkedin.com/company/opencorp-au
Instagram: @OpenCorp

• Matthew Lewison (OpenCorp Co-CEO)
• Michael Beresford (Executive Director, Property & Investment Services)

Episode Summary: In this episode, Matthew Lewison and Michael Beresford discuss the expected returns from an investment portfolio, specifically focusing on residential property. They delve into historical performance, comparison with other asset classes, and strategies for maximising returns.

Key Points:

• Residential Property Outperformance:
  • Residential properties have outperformed other asset classes in Australia over the last 60 years.
  • Property can be geared more than other asset classes, enhancing returns.
• Historical Returns:
  • The Australian property market has achieved about a 9% per annum return over the last 18 years.
  • OpenCorp clients have seen an average of 11% per annum on total portfolio returns
• Common Pitfalls:
  • 70% of Australian property investors only own one property.
  • 80% borrow to buy established or old houses, missing out on depreciation benefits.
• OpenCorp's Strategy for Success:
  • Customised strategies based on individual income, tax position, and goals.
  • Emphasis on structure, strategy, and repeating proven methods.
  • OpenCorp clients are 2.5x more likely to own two or more properties than the average investor.

  If you're interested in learning more about how you can achieve similar returns through strategic property investment, book a strategy session with OpenCorp today at opencorp.com.au. 

Our experts are ready to help you build a portfolio that aligns with your financial goals and maximises your investment potential. Don't miss this opportunity to take your property investment journey to the next level!

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• Cam McLellan, CEO of OpenCorp
• Michael Beresford, Director of Investment Services

Episode Overview:
In this episode, Cam McLellan and Michael Beresford tackle the buzzword "hotspots" in the property market. They uncover what really makes an area a hotspot and discuss the reliability of hotspots for long-term property growth. The conversation offers a deep dive into why chasing hotspots might not be the best strategy for smart investors.

Key Points Discussed:

1. Definition of Hotspots:
   • Areas that have seen rapid growth, often due to media hype or vested interests.
   • Created by high demand and reduced supply, leading to rapid price increases.
   • Developers may manipulate the market by drip feeding land to keep pressure on supply.
2. Reliability of Hotspots:
   • Buying in a hotspot often means paying an inflated price.
   • Smart investors aim to buy for value, not hype.
3. Countercyclical Investing:
   • Investing in areas before they become hotspots to maximise growth potential.
   • Clients of OpenCorp have enjoyed $254K+ more than the average property investment property thanks to our property selections.
4. Market Cycles:
   • Property markets typically have cycles of growth, correction, and stagnation.
   • Investors often buy at the top of the market due to confidence built from previous growth, only to face corrections and stagnation.
5. Smart Investment Strategies:
   • Avoid emotional decisions and hotspots driven by hype.
   • Use a proven, research-based process to identify growth corridors with planned infrastructure and limited land supply.
6. Importance of Expert Guidance:
   • Having a coach or mentor to guide through the investment process.
   • Formulating clear goals and strategies to achieve long-term financial success.

Summary:

• Hotspots: Often overhyped and can lead to buying at inflated prices.
• Smart Investing: Focus on areas with planned infrastructure and limited supply before they become hotspots.
• Expert Guidance: Seek mentors like OpenCorp to navigate the property market strategically.

Additional Resources:

• For a comprehensive guide on property investment and choosing the right mentor, get a copy of "My Four-Year-Old the Property Investor" by Cam McLellan. Get your copy here: https://opencorp.com.au/books/my-four-year-old-the-property-investor/

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• Cam McLellan, CEO of Open Corp
• Michael Beresford, Director of Investment Services

Episode Overview:
In this enlightening episode, Cam McLellan and Michael Beresford delve into the distinct roles of buyers agents, investment advisors, and real estate agents. They clarify the unique skill sets and purposes of each profession and guide you on choosing the right expert based on your property goals.

Key Points Discussed:

1. Real Estate Agents:
   • Primarily assist in buying or selling homes in specific areas.
   • Have detailed knowledge of local amenities and property listings.
   • Work for the seller to get the highest price possible.
2. Buyers Agents (Advocates):
   • Assist buyers in negotiating with real estate agents.
   • Follow the buyer’s instructions to find and negotiate the purchase of a property.
   • Do not typically provide extensive research or investment advice.
3. Investment Advisors:
   • Focus on long-term property portfolio building.
   • Offer step-by-step guidance, from goal setting to property management.
   • Conduct extensive market research to find the best investment opportunities.
   • Provide ongoing mentorship and support to grow your portfolio.

Summary:

• Real Estate Agents: Best for buying your own home in a specific area.
• Buyers Advocates: Ideal if you’re uncomfortable negotiating with real estate agents.
• Investment Advisors: Essential for building a profitable property portfolio with strategic guidance and support.

Key Takeaway:
Choose the right expert based on your goals. For home buying, a real estate agent is suitable. If negotiation is a challenge, hire a buyer's advocate. For strategic, long-term investment success, consult an investment advisor like Open Corp.

Additional Resources:

• For a comprehensive checklist on choosing the right mentor and investment group, get a copy of "My Four-Year-Old the Property Investor" by Cam McLellan. Get your copy here: https://opencorp.com.au/books/my-four-year-old-the-property-investor/ 

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Instagram: @OpenCorp

In this special crossover episode, we welcome Cam McLellan, an Aussie-based investment expert and author of "My Four Year Old The Property Investor." Cam shares his journey of setting his kids up for financial success from a young age, discussing strategies for teaching kids about money, investing, and the importance of making smart financial decisions early in life. This episode features insights first shared on the "Where's My Money" podcast, where Cam was invited as a special guest.

Highlights:

• Introduction to Cam McLellan: Get to know Cam, his background in property investment, and his mission to educate everyday Australians on building a solid financial future.
• Early Start in Investing: Cam shares his approach to getting his kids involved in property investment as young as eight years old, turning them into the youngest landlords in Australia.
• Financial Challenges and Solutions: Discussing the financial challenges facing young Australians today and how Cam's strategic planning can help bridge the gap between the haves and have-nots.
• Investment Strategies for Kids: Learn about the trust structure Cam uses to set up his kids for future success and the importance of teaching them the fundamentals of investing.
• Life Lessons in Money Management: Insights into the practical lessons Cam imparts to his kids, from saving pocket money to understanding the value of hard work and delayed gratification.
• Financial Independence for Everyone: Tips and advice for parents on how to model good financial behavior, avoid common money mistakes, and set their kids up for success, even if they can't afford to buy property right now.

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Kosta also discusses the right timing for investors to purchase their second property, emphasising the importance of having sufficient borrowing capacity and financial buffers. Highlighting the impact of the current tight rental market, he explains how low vacancy rates and rising rents can facilitate the holding of multiple properties.

The episode culminates with Kosta reflecting on his personal investment journey, which began 15 years ago. He shares a poignant lightbulb moment from his early days, inspired by his father’s hard work and the desire for quality family time, which steered him towards property investment.

Inspired to start or expand your own property investment journey? Connect with Kosta and the team at OpenCorp to discover how you can build your wealth through real estate. Visit OpenCorp’s website for more information.

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Introduction:
Welcome to our latest episode where we dive deep into the world of rental properties with Jeremy Bishop, the General Manager of OpenCorp Property Management. Join us as we explore crucial aspects of the rental market, including the often-discussed topic of rental yield, how to calculate it, and it's significance for investors.

Show Highlights:

• Introduction to Jeremy Bishop: First-time guest Jeremy Bishop shares his insights on the rental market and the concept of rental yield.
• What is Rental Yield? Jeremy explains rental yield, its importance, and a simple formula to calculate it.
• Why Rental Yield Matters: Discussion on why investors are keenly interested in rental yield and how it aids in comparing investment opportunities.
• Tax Benefits and Investment Strategy: Insights into how tax benefits can influence investment returns and strategies.
• Tenant Appeal and Property Features: What tenants are currently looking for in rental properties, with a focus on the Perth market.
• Investing in Value-Adding Features: The importance of air conditioning, solar panels, and other features that increase tenant appeal and rental income.
• Advice for Landlords: Top three tips for landlords to maximise rental appeal and achieve better rent.
• The Role of a Property Manager: The critical importance of having an expert Property Manager in your investment team.
• Closing Thoughts and Rent Increase Strategies: Jeremy and the host discuss strategies for rent increases in a tight market.

Key Takeaways:

• Rental yield is a critical metric for assessing the financial performance of rental properties.
• Investors should consider all cash flows, including tax benefits, to understand the true cost and returns of their investments.
• Presenting properties well and investing in features that appeal to tenants can significantly impact rental income and tenant retention.
• Expert property management is essential for navigating legal compliance, tenant selection, and maximizing investment returns.

Thank You to Our Guest:
A big thank you to Jeremy Bishop for sharing his expertise and insights on the rental property market. His advice is invaluable for anyone looking to invest in rental properties or improve their current investment strategy.

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• Comparison of Property and Shares
  • Shares and property are compared in terms of total returns.
  • Highlighting the benefits of leverage in property investment for retirement planning.
• Case Study: Leveraging Property for Retirement
  • Example of leveraging property for retirement, with personal anecdotes.
  • Illustration of the transition from property-heavy to a balanced portfolio.
• Investment Returns Comparison
  • Comparison of investment returns between property and shares.
  • Explanation of leverage and its impact on investment growth.
• Starting Early in Retirement Planning
  • Importance of starting early in retirement planning, even in one's 20s.
  • Discussion on the impact of age and income on investment strategies.
• Building a Property Portfolio
  • Strategies for building a property portfolio, including timing and property selection.
  • Emphasis on the power of property investment to build wealth over time.
• Alternative Retirement Strategies
  • Options for retirement strategies beyond traditional pensions.
  • Discussion on living off income, selling properties, and leveraging equity in retirement.
• Personal Anecdotes and Success Stories
  • Personal stories and anecdotes illustrating successful retirement planning strategies.
  • Highlighting the importance of individualized planning and flexibility in approach.

As we wrap up, it's evident that meticulous retirement planning is key to securing financial stability and freedom in later years. We urge our audience to take proactive steps, seek expert advice, and embark on their journey towards a fulfilling and secure retirement.

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Key Points:

• Initial Blunders and Misconceptions: Matt shares his early experiences in investing, highlighting his advantage of starting young without the fear of debt. However, as his portfolio grew, so did his apprehension towards borrowing.
• The Impact of Interest Rates: Matt reflects on the profound impact of interest rates on his investing journey, emphasizing the importance of managing cash flow during periods of rising rates.
• Lessons Learned: Matt discusses the lessons he learned about debt, risk, and the importance of leveraging opportunities, stressing the need for a balanced approach informed by education and expert guidance.
• Navigating Market Volatility: Matt provides insights into navigating periods of significant market volatility, emphasizing the value of informed decision-making and filtering out noise from uninformed sources.
• Reflecting on the Journey: Both Matt and Michael reflect on how their lives would be different if they could redo the past 25 years, highlighting the personal growth and satisfaction derived from their investment journeys.

As the conversation wraps up, Matt and Michael express gratitude for the lessons learned and the opportunities gained over the past 25 years, offering advice for listeners embarking on their own investment journeys.

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Instagram: @OpenCorp

• Hosts introduce the topic: Is property investing risky or safe?
• They tease that they will explore the risks associated with property investment and effective strategies for mitigating those risks.

Opening Discussion:

• Opencorp Group CEO Matt Lewison, set the stage for the conversation.
• They establish that risk is inherent in any investment, including property.
• Matt emphasizes the importance of understanding and managing risks effectively to achieve maximum returns with minimal exposure.

Identifying Risks in Property Investment:

• Matt discusses various risks associated with property investment:
  • Direct risks: Building defects, maintenance issues, structural risks, etc.
  • Financial risks: Tenant vacancy, rental income shortfall, economic factors, personal financial circumstances, etc.
  • Indirect risks: Broader economic conditions, lending landscape changes, personal financial stability, etc.

Perception vs. Reality:

• Hosts address the perception that property investment is risky due to the large capital outlay and associated costs like stamp duty.
• Matt highlights that while the investment size may seem daunting, it doesn't necessarily correlate with increased risk compared to other investment options like shares or crypto.

Mitigating Risks in Property Investment:

• Matt emphasizes the importance of property selection and diversification to mitigate risks.
• Strategies discussed include investing in new properties with builder warranties, conducting thorough building inspections, and choosing locations with high demand and rental yields.
• Diversification across different markets and property types is advocated to spread risk and minimize exposure to legislative changes.

Managing Cash Flow Risks:

• The discussion shifts to managing cash flow risks, especially during the initial years of property ownership.
• Strategies include maintaining buffers for interest rate fluctuations, ensuring stable income sources, and avoiding major financial changes immediately after purchasing a property.

Encouraging Action:

• The hosts conclude by emphasizing the biggest risk in property investment: not investing at all.
• They share success stories and underscore the potential long-term financial benefits of property investment.
• The episode wraps up with a teaser for the next discussion.

Conclusion:

• The hosts express gratitude to the audience for joining the conversation and tease future episodes.
• They invite listeners to stay tuned for more valuable insights on property investment.

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Instagram: @OpenCorp

Welcome to Brick to the future, your go-to source for property investment insights and strategies.

In this episode, we'll delve into the ever-evolving property market and explore the factors driving property prices and investment trends.

Join us as we dissect key market dynamics and debunk some common misconceptions.

Impact of COVID-19 on the Property Market

Discussion of the unique challenges and opportunities presented by COVID-19.

Emphasis on the accuracy of predictions made during the pandemic, with property prices dropping up to 30%.

The role of media in shaping perceptions and the need to critically evaluate information.

Section 2: Investment Strategies and the "MAP Process"

Introduction to the MAP Process for property investment.

Explanation of how many investors overlook market fundamentals and focus solely on local areas. Emphasize the importance of looking beyond one's local area and understanding individual financial goals.

Four Fundamental Factors Driving the Property Market

Overview of the four key factors influencing property prices: supply and demand, affordability, interest rates, and population growth.

Discussion on how these factors can vary by location and impact property prices differently.

Insights into why understanding these factors is crucial for successful property investment.

The Role of Clearance Rates in Assessing Market Health

Explanation of how clearance rates are reported in the media as indicators of the housing market. Clarification that clearance rates reflect sentiment and confidence more than supply and demand. The importance of considering other factors beyond clearance rates when assessing market health.

Regional Variations in the Property Market

Highlighting regional differences in property markets, with a focus on major cities like Sydney, Melbourne, Brisbane, and Perth. Acknowledging that each area has its unique dynamics affecting supply, demand, and pricing. The significance of understanding local market conditions for informed investment decisions.

Rental Market Dynamics and Vacancy Rates

Discussion on the rental market and media portrayals of people moving to regional areas.

Mention of the actual shift being less dramatic than perceived.

The role of vacancy rates in understanding rental price growth and investor opportunities.

Dwelling Approvals and Supply Constraints

Explanation of how dwelling approvals for apartments have been decreasing, leading to supply shortages in major cities. The impact of this shortage on property prices and investment opportunities. The importance of monitoring dwelling approvals as part of investment strategy.

Population Growth and Housing Demand

Highlighting Australia's high population growth, driven by factors like net overseas migration.

Explanation of how population growth generates demand for housing and influences market dynamics. Insights into how demographic shifts affect investment decisions.

Changing Property Ownership Trends

Acknowledgment of changing trends in property ownership, with younger generations less inclined to buy property early. Emphasis on lifestyle choices and property investment as alternatives to traditional homeownership. Discussion on how these trends impact investment strategies and market behaviour.

Conclusion

Wrapping up the episode with a summary of key takeaways and actionable insights.

Encouragement to stay informed, critically evaluate media reports, and consider market fundamentals when navigating the

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Introduction:

Welcome back, everyone! In today's episode, we're diving into one of the most common questions in the realm of personal finance: Should I pay off my own home or invest in property? We're privileged to have Michael Beresford, aka Boz, joining us. Boz is an expert in property investment, known for uncovering those hidden advantages that can turbocharge your wealth-building journey. So, let's get started!

Factors to Consider:

When weighing the decision between paying off your own home loan or investing in a new property, it's crucial to consider several factors.

Boz emphasizes the importance of understanding your investment horizon and aligning your goals with your timeframe. Each individual's circumstances are unique, so a personalised cost-benefit analysis is essential.

Utilising Equity for Investment:

Boz outlines a powerful strategy: leveraging the equity in your own home to invest in additional properties. By using the equity as a deposit for an investment property, you can capitalize on the potential for significant returns.

The ability to hold an investment property with minimal out-of-pocket expenses can accelerate wealth accumulation far beyond what traditional mortgage payments can achieve.

Risk Mitigation:

One common concern is the perceived risk of tapping into home equity for investment purposes. Boz addresses this by highlighting the importance of structuring your finances wisely. By separating the financing for your primary residence and investment properties, you create a firewall that protects your assets in case of unforeseen circumstances.

Security and Job Stability:

Boz underscores the importance of job security and feeling financially stable before making investment decisions. Rentvesting, where individuals invest in property before purchasing their primary residence, can offer a sense of security through rental income.

With Australia experiencing low unemployment rates and high job demand, job security is a key consideration in managing financial risks.

Conclusion:

Deciding whether to pay off your own home or invest in property is a significant financial choice that requires careful consideration. Boz's insights shed light on how leveraging home equity for investment can unlock opportunities for wealth creation while managing risks effectively. 

By understanding your goals, timeframe, and risk tolerance, you can make informed decisions that align with your financial aspirations. Join us next time for more insights into navigating the world of personal finance and property investment.

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Welcome back to Brick to the Future Podcast. In today's episode, we're diving deep into the intricate landscape of property investment, featuring insights from our resident property investment expert, Michael 'Boz' Beresford, and the CEO of OpenCorp, Matthew Lewison.

 As we approach the start of 2024 and set our sights on the ever-evolving property market, we've brought in the heavy-hitters to discuss the essential elements that will shape the landscape. Get ready to unravel the dynamics of supply, demand, affordability, and sentiment as we seek predictions and valuable insights from our experts.

 Stay tuned for a thought-provoking conversation that aims to equip you with the knowledge you need to navigate the property market successfully. Without further ado, let's jump right into today's episode! 

Speakers information:

Michael Beresford:

As an accomplished Australian property investment strategist and seasoned manager, Michael Beresford's journey in personal property investment began at 25. From that pivotal point, an impressive trajectory unfolded, with Michael acquiring four additional properties on a single income over the subsequent five years. This early decisive action laid the foundation for substantial growth, witnessing Michael's investment portfolio more than double since its inception.

In his current capacity as the Executive Director of Property and Investment Services at OpenCorp, the greatest satisfaction for Michael lies in empowering clients. Observing their growth as they expand portfolios and achieve wealth beyond initial expectations is truly rewarding. This personal connection and impact drive Michael's dedication to helping individuals utilize property investment for financial goals. Over his tenure, Michael has had the privilege of personally assisting over 700 OpenCorp clients in adding over $1 billion in value to their property portfolios, a defining aspect of his professional journey. What's more he's overseen a team deliver 2000+ clients investment property portfolios

Matthew Lewison:

With a rich history spanning over two decades in residential and commercial real estate, Matt has established himself as an accomplished property investor and seasoned entrepreneur. His journey in property investment commenced at the age of 18, evolving into a prosperous portfolio over the years. Guided by influential mentors, including his father, who instilled in him a profound interest in residential property, Matt swiftly ascended the corporate ladder.

Despite the passage of years, Matt's passion for residential property remains steadfast. Committed to sharing his knowledge and enthusiasm, he co-founded OpenCorp in 2006 alongside his brother, Allister, and friend, Cam McLellan. This strategic move allowed the trio to concentrate efforts and positively impact a broader audience.

Together, they co-authored a best-selling book and facilitated the entry of thousands of investors into the property market, guided by a shared commitment to uplifting clients' lives through proven, safe, and effective property investments. Matt's educational background includes degrees in Engineering and Corporate Finance, with continuous efforts to enhance his financial services qualifications.

In his role as Founder and CEO of OpenCorp, Matt is dedicated to driving the company's success and assisting individuals in achieving their property investment goals. Simultaneously, his position as CEO of Resifund underscores his commitment to facilitating success in the real estate sector.

Matt derives immense satisfaction from assisting clients on their property investment journey, contributing to the improvement of lives across Australia through housing investm

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·       0:38 - Boz (Matthew Lewison) and Michael delve into the topic of equity, its calculation, utilisation, and risk mitigation strategies.

·       1:08 - Equity explained: The difference between an asset's value and the debt on it, enabling strategic leveraging for property investment.

·       1:44 - Accessing equity: Leveraging existing equity for the deposit and costs of the next property, reducing reliance on cash.

·       2:09 - Costs of accessing equity: Exploring the expenses involved in accessing equity, with emphasis on tax deductibility when used for investment purposes.

·       3:13 - Cross-collateralisation: Discussion on the drawbacks of bundling all properties with the same bank, emphasising the need for a firewall between home and investment properties.

·       4:41 - Mitigating risks: Separating properties across different banks prevents the direct exposure of the home to potential issues with investment properties.

·       6:21 - Financial risk considerations: Exploring scenarios where defaulting on an investment property loan might occur and how risk mitigation strategies play a crucial role.

·       8:36 - Tax benefits: Differentiating interest repayments on mortgages and investment loans, highlighting the importance of setting up loans in a tax-efficient manner.

·       11:13 - Flexibility and control: Discussing the advantages of having properties with different banks, allowing better control over valuations and refinancing options.

·       14:45 - Real-life example: Highlighting a case where a client's decision to refinance and diversify lenders resulted in significant equity growth.

·       17:41 - Existing customer vs. new customer deals: Addressing the misconception that banks offer better deals to existing customers and advocating for regular refinancing to secure better terms.

·       19:15 - Loyalty and refinancing: Dissecting the myth of loyalty in banking and the potential financial benefits of shopping around and refinancing.

·       21:31 - Risk mitigation scenarios: Illustrating practical examples of why having separate lenders for home and investment properties lowers the risk in unfortunate situations.

·       23:50 - Prevention measures: Emphasizing the importance of financial structures, buffers, and prudent management to avoid reaching worst-case scenarios.

·       25:28 - Negotiation power: Explaining how diversifying lenders provides more negotiation power during challenging periods, reducing the risk of losing the principal place of residence.


Quotes and Highlights:

·       Equity Defined: "Equity is the difference between what an asset's worth and the debt that you have on it."

·       Leveraging Equity: "Once you've created equity, you don't actually have to use cash for growing your portfolio. You can borrow that equity and use it as the deposit and costs for the next property."

·       Cross-Collateralisa

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• what are the components that prospective investors should be thinking about,
• how a future investor can optimise their financial position to set themselves up to invest in property, 
• what buffers and other contingencies should investors be allowing for 

Plus, for individuals looking to build a property portfolio over time, how does the initial investment vary to any subsequent investments, and what's the lingo they need to get their heads around.

Quotes and Highlights:

1.     "Investing in property is the means to an end, and focus on the end in terms of what you want to achieve."

2.     "The only deposit that I had to save for was the first one."

3.     "Encourage everyone to open up that discussion and not be afraid to get informed, ask questions, and build your knowledge base."

Conclusion: 

Embark on your property investment journey with confidence by understanding the key components, optimising your financial position, and building a knowledgeable team. 

Join us next time for an in-depth exploration of leveraging equity for subsequent property investments. Remember, the only limit is the one you set for yourself.

-------------------------------------

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Brought to you by OpenCorp, Australia's leading property investment specialists.

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 In this discussion, Cam and Matt touch on:

•  Buying close to home
• Self-managing tenants
• Buying at auction - competing to pay more than everybody else
• Asking a real estate agent or a buyers advocate for investment advice
• Over-capitalising - and how to avoid it
• Selling to realise profit, or to avoid a 'softer market'
• Failing to have a 'subject to finance clause’

Matt points out, that out of 10.5 million properties - what is the chance that the perfect one is just around the corner from you?

The guys agree that building too big or too expensive for the local market and designing the property as if they are going to move in themselves, is a common mistake, and one to avoid. Smart tip: stick to neutral or white colours.

This episode is perfect for anyone looking at a new investment property - either their first, or to ensure they get their next optimised for performance!

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Cam introduces a foundational point: If you think about 2 properties, one new and one looking tired, the newer one will rent faster and for more each week.

Cam and Matt discuss the following points:

• Repairs and maintenance - buying existing can cost thousands in hidden issues i.e painting over cracks to hide foundation issues
• Like new cars, new homes still require maintenance, but there are less risks of hidden major issues.
• If you are an owner builder, and spend more than $15k on renovations, you can be liable for for any repairs or structural issues for 7 years.  The 'do-er-up-erer' can send you broke if your held liable for all the works.
• When you buy new, there is much less stamp duty.  It is only payable on the land, which is typically half the cost of buying established.
• Deprecation schedules are a huge advantage for investors, as they can reduce the payable tax on income.  This all adds up to reduce holding costs.

Matt describes how with current market conditions, you can secure land for the cost of a deposit.  You don't have to settle on it until the developer has finished producing it.  Its possible to generate great equity in the meantime.  Some OpenCorp clients are making over $50,000 just while the land settles.

This is a really enlightening episode for aspiring property investors figuring out that important question:  New or established.

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In this discussion, Cam and Matt touch on:

• Maximising rental yield
• Why new investors invest 90% with their eyes
• How smart investors invest 90% with their brains
• Taking emotion out of the equation
• Doing due-diligence into builders reputations and build quality

Cam mentions how it's understandable if you can't see something it clouds your mind during the decision making process.  Its comforting being able to hang your hat on what it looks like.

This show gets into the logic behind the different strategies of property investing, with practical tips and insights into how these two highly successful investors have mitigated risks when building new properties.

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Cam discusses his method of calculating how much is needed for retirement, working backwards from where someone would be without an investment plan. 

Cam's initial goal of $100k annually in passive income was not achievable using super.

Matt stresses the importance of revisiting and adjusting goals along the way. OpenCorp can provide a goal sheet for those who need some assistance with this step!

They both agree, that its the reason for investing that is really the important things: 

• Holidays
• Deposits for kids own houses
• Freedom from 'bad debt'
• Turning assets into an income

Matt mentions the problem of expenses increasing to match the upswing of income.

There are three phases to the investment journey:

• Acquisitions phase - Buying as many properties as you can hold while you are able to have strong earnings
• Holding phase - let the assets increase in value but do not let the debt go up. Clear your principle place of residence debt as possible
• End phase - use your portfolio to provide income

The pair finish by discussing the upcoming OpenCorp client portal and the data clarity it will provide to clients.

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• Steps to achieve SFI
• Goals & Plans
• Keeping on track
• Measure your success

What are the differences between assets and liabilities, and the power of decision making using the beneficial/not beneficial liabilities comparison.

And lastly, they discuss making smart choices - ensuring you have diverse investments to capture market growth.

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• Why it looks differerent for different people
• Why its impossible to save your way to financial security
• The three legs of the stool - income, spending & investments
• Working hard to get initial savings to start an investment portfolio

Cam and Matt break down the importance of clarity when it comes to investing, including understanding your aspirations, setting realistic goals, and creating an action plan.

And lastly, they discuss what's involved in achieving financial independence - creating passive income that covers all expenses, and growing your savings.

Don't miss out on this podcast, and part 2 releasing soon!

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• How to get a good deal
• Pitfalls to avoid
• How not to be overwhelmed by the fast moving pace of the market

Why is buying at auction a bad move for investors and selling by auction a great move for sellers? Cam and Matt reveal their own experiences with auctions and the tips and tricks to make the most of the opportunities.

They look at the logic around buying in a growing market and discuss the often repeated 'If its hot I might as well wait until prices come down'. Showing how the Australian property market is growing much more often than it isn't.

Matt cautions listeners to buy the right type of property, especially in the current rising market, to target where you want to be investing with strong fundamentals.

They both describe the drivers and differences between top up vs bottom up markets, and which market makes the most sense for investors.

Lastly, Cam and Matt reveal the experiences of the OpenCorp finance team - confronted daily with people who are shocked that they are in a position to add to, or start their portfolio due to the equity growth in their existing property.

Don't miss this podcast, and be sure to subscribe for notifications as new episodes are released!

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• Who should you trust?
• Understand your goals and choose team members with relevant experience
• Conflict of interest

If you're keen to start your property investing journey, or get some tips to level-up your investing, this is a great podcast!

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 Key points discussed

 Investment options – How to increase the amount of money available

• What to do with the savings you currently have 
• What is the quickest option to get into the property market right now

 This episode is a great place to start for those who are keen to get into the property market and take that hard first step - getting the deposit together.

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• How much money do you need to get started in property?
• How much income do you need to build a property portfolio?
• Is property investing just for the rich?
• Will investing in property impact on my lifestyle?

Plus Matt shares his thinking around the three key things people need to grow wealth through property:

1. time ("time in the market is the most important for you to grow your wealth")
2. knowledge ("other people have knowledge and you can borrow that knowledge")
3. "some capital" (your initial deposit).

This episode will appeal to those people who don't just want to get on to the property investing ladder, but who want to 'climb up a few rungs' and build an investment portfolio that works for their family and their lifestyle.

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"That’s why we at OpenCorp are keeping a keen eye on the Federal Parliament as it weighs up proposed changes to responsible lending laws.

"If the amendments go through, loan approvals for property investors should become far more streamlined. This is good news for investors as the financing aspect of buying a property has been a potential stumbling block in recent years," Michael says.

Companion article: Proposed relaxing of lending laws a big plus for property investors - read it on the OpenCorp blog.

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• Changes to property management legislation in Victoria
• How Covid has affected the workforce, and the impact people working remotely will have on house prices and the type and location of house being sold
• The importance of access to public transport in selecting a location to invest in
• Which city market is worth investing in at the moment
• The sea change/tree change trend, and the economics of investing in regional centres

Even the book The Richest Man in Babylon got a run!

Plenty of banter along with insights and stories around all things property investment, from three experts who have been 'in the property trenches' for a collective 75 years!

The next episode of OpenCorp's Q&A show will be streamed live on our Facebook Page at 7:30 pm on Thursday, April 8, 2021.  Come say "hi" - and bring your questions!

Follow us on Facebook to stay in the loop on property market news and insights, plus dates for live-streams and webinars!

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• ECONOMIC DRIVERS - key economic drivers property investors need to know about today
• WHY 2021 WILL BE BIG - why property is poised for a big 2021, and how investors can benefit
• FACTORS TO CONSIDER - local, regional and international factors to be aware of
• RATES & REGULATIONS - long-term benefits of new rates and regulation changes for investors.

Plus they look at the winners and losers in Australian property, and where to look now (and next).

This conversation is jam-packed with useful, up-to-the-minute information about the latest trends in Australia's property market.  It's from a recent OpenCorp educational webinar - if you'd like to check out a replay, you can do so on YouTube.

Whether you're a novice or experienced investor, you won't want to miss this special episode!

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• A valuable lesson Cam learned early on in his property investing career that carries over to today for OpenCorp clients  
• The importance of designing the optimum size and quality property: everyone will be pushing to build a bigger house - draughtsmen, builders, agents - "everyone wants bigger except the investor," says Cam.
• How the money you save when building a new house can contribute to your next investment property
• Median house prices and the science behind property valuation
• The danger of over-capitalising on fixtures and fittings
• Dressing up your property for sale (a real-life example from Matt)
• Doing your homework: assessing an area to ensure you build the right size and quality house

Matt explains how property developers tend to end up selling their worst land for more than their best land, while Cam advises: "Don't be fearful of new builds coming into the area."

This show gets "into the weeds" - lots of helpful and practical tips and insights from two highly experienced  investors who have been involved in their fair share of property development projects over the journey.

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Cam also shares his personal journey and how he got his lightbulb moment at a young age while listening to his parents argue over an unfortunate investing experience.

“Right then, I knew I wanted a better financial future for my future family,” Cam recalls.

Despite his young age, Cam recognised that property was where the money was, and set about learning as much as possible about investing.

After working multiple jobs to scrape together a deposit to purchase his first property - a property, incidentally, he still holds today - Cam had taken the first big step in what has become a prosperous journey for himself and his family.

Stories & lessons learned

If you're interested in hearing how a successful long-term investor kicked off his property journey, and the stories and lessons he learned along the way, you'll get a lot of value from this episode!

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As in all businesses, there should be processes in place to make sure you get the best outcome every time. In the case of property, these processes should be in place so you don’t end up with a rotten egg in your investment portfolio.

This is a really enlightening episode for aspiring property investors, rich in insights borne from many years of 'in-the-trenches' investing experience.

Want to know more? Check out this video in which Cam and his business partner Al Lewison explain the MAP process in more detail.

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• resetting your mindset
• getting yourself financially fit, and
• taking action!

Matt explains how governments are providing stimulus for the market, including how some state-based stamp duty taxes are being phased out and what that means for investors.

(If you'd like to read more about stamp duty, this article on the OpenCorp blog might be of interest - Why the stamp duty changes could light a rocket under Australia)

The pair discuss ResiFund, a new co-investing platform making property investment simple and accessible. ResiFund is suitable for a number of different types of investors, including those transitioning to the retirement phase of their investment journey.

Cam and Matt also touch on the importance of choosing the right mortgage broker, one that understands property investment.

If you enjoyed this episode of BRICK TO THE FUTURE, why not subscribe via your podcast app of choice and never miss an episode!

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• Mortgage broker
• Property adviser
• Conveyancer
• Accountant
• Financial planner
• Insurance broker

"Whoever you might need in your team, that's your team," says Boz.

Each specialist will have a specific role to play, so make sure you engage professionals who are competent in their area of expertise.

For example, it's best not to use a 'garden variety' mortgage broker whose experience is confined to writing home loans.

"A mortgage broker that understands investment structures is probably the most important asset to your team", says Boz.

According to Cam and Boz, your team is there to support you on your investment journey, to help you move forward with confidence, so it's critical to get it right.

(Click here to listen to Part 1 of building the foundations of a high-performing property portfolio).

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• Do you recommend purchasing property in a trust once your portfolio starts to build in size to allow flexibility and options for the long term?
• Should we fix interest rate now, or wait?
• If you had a deposit for a couple good properties that were fit for compound growth, would you still wait for growth/equity from the first, or put down the deposit for the second as early as possible with savings (assuming you could get the loan and are okay with the deposit amounts)?
• Do either of you (Cam or Boz) have any commercial property investments, and do you believe they are a good investment instead of buying a house?
• If you were starting your investment journey today with some savings and steady income, where would you start and what type of general strategy/system would you implement assuming the goal is long term growth/wealth?

This was the final Facebook Live Q&A Show for 2020 - the next episode will be streamed live on our Facebook Page at 7:30 pm on Thursday, February 11, 2021.  Come say "hi" - and bring your questions!

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Plus we hear from our panel of property investing experts – Al Lewison, Matthew Lewison and Cam McLellan – who addressed heaps of questions from viewers during the live stream, including:

• If your borrowing capacity was around $700k – would you opt to buy a house on a bigger block in an outer suburb like Cranbourne/Greenvale OR would you buy a semi-detached (newer) townhouse with a courtyard in an inner suburb like Reservoir or Springvale?
• Which activity centre (Footscray, Sunshine, Broadmeadows, Ringwood, Box Hill, Dandenong, Narre Warren, Frankston) do you believe represents the best value for money and future capital growth, in Melbourne, presently?
• Are high vacancy rates currently in Melbourne (20% according to news reports) currently impacting OpenCorp’s view on investing in Melbourne?
• How would you explain purchasing a property for investment first and rentvesting, rather than buying your “dream home”, to the generation that was brought up to buy their home and work for 30 years to pay it off (but) who shrug when mentioning investing.
• Do you think property management should be in the state of your investment properties or portfolio ?

It was, as always, an awesome show, with heaps of questions, insights, ideas and laughs!

The OpenCorp Facebook Live Q&A Shows stream live on the second Thursday of the month, from 7:30 pm. Follow our Facebook Page for updates. 

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• how to negotiate a better interest rate on property investment loans 
• the length of time banks are taking to approve loans
• the importance of reviewing your loans every three years, especially in this environment of low interest rates
• changing lending requirements in line with COVID-19

Also discussed by the panel (in response to viewers' questions):

• the concept of 'rentvesting'
• best locations to buy investment property
• dealing with tenants during COVID-19

The OpenCorp Facebook Q&A Show streams live from 7:30 pm on the second Thursday of each month. See you then!

Follow us on Facebook and stay up-to-date with property investing news and events.

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• lending regulations, government initiatives and how the advent of COVID-19 has changed things up
• interest rates, refinancing and why it's important to review your borrowings
• the importance of not using the one lender for your home and investment properties

Plus Amanda explains borrowing capacity, and how personal debt can affect your ability to borrow.

If you're thinking about investing in property in the near future, this timely podcast episode will be of interest. 

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Remember to ask yourself from the get-go: what is my vision?

Cam & Matt share their 'divestment' stories

Cam tells his 'exit strategy' story, explaining how he and business partner and brother-in-law, Al Lewison, are currently in the midst of divesting their joint property investment portfolio.

Matt also shares his experiences and lessons learned around property divestment. 

Further reading on the OpenCorp blog: Property investment: 4 exit strategies 

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Also on the show: Cam McLellan and Matthew Lewison explain how they take a different approach to building property portfolios for their professional athlete clients, plus Cam chats about an educational Money Smarts course he has developed to help young people avoid many of the financial mistakes made by the majority of Australians.

The course features six videos located here on the OpenCorp website.

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Facebook: http://www.facebook.com/opencorp
Twitter: @OpenCorp_au
LinkedIn: https://www.linkedin.com/company/opencorp-au
Instagram: @OpenCorp

Cam mentions his best-selling book “My Four-Year-Old The Property Investor” - get your free copy here

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OpenCorp directors Cam McLellan, Michael 'Boz' Beresford and Matthew Lewison have banded together to write a new book called Investing in the New Normal: How property investors can thrive in uncertain times.

In this episode, Cam, Boz and Matt give us a sneak preview of the book, unpacking the various themes that make up a volatile investment landscape we could now consider to be the 'new normal'.

This discussion is very timely for existing or prospective property investors given the economic challenges thrown up by the COVID-19 pandemic.

About Investing in the New Normal:
The book draws on 50 years of Australian property investment experience plus thousands of hours’ research into local and global residential property trends. It gives readers tools to master the ‘new normal’ and make informed decisions to grow their wealth.

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We cut through the white noise so you can minimise risk and make smart informed investment decisions.

If you're after tips and strategies on building a high-performing property portfolio that suits your lifestyle, you're in the right place!

Brought to you by OpenCorp, Australia's leading property investment specialists.

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