The Clever Investor Property Podcast

How does the cash rate work?

We’re unpacking a fundamental concept that impacts every mortgage holder, saver, and investor out there — the cash rate. The Reserve Bank of Australia, or as we say the RBA, uses the cash rate as a tool to implement monetary policy. The RBA Board meets to decide whether to change the cash rate target, that put very simply is the level they want the cash rate to sit at. We dust off the pages of on The Clever Investors dictionary to break it down in simple terms, explain how it works, and why it matters to you as a property investor. What happens when the cash rate goes down? and will borrowing money always become cheaper or expensive?    If you found this episode helpful, don’t forget to subscribe and share it with your friends who are keen to grow their property portfolio! And as always, if you have questions or want us to cover a specific topic, reach out to us — we love hearing from you.

Building Wealth: 2 Investment Properties by Age 23

While most kids were busy kicking footballs, Stuart Wright was already diving into the world of real estate. Right after high school, he secured a job in property sales in his hometown of Sydney. Fast forward to today, at just 23 years old, Stuart owns two investment properties and has an incredible journey to share. His story proves that investing in property is within reach, even for young people.

What is Wall Street?

Often depicted in movies as the pinnacle of the financial world and constantly popping up in our weekly news broadcasts, Wall Street is a symbol of financial power and influence, but what exactly is it?   Wall Street is more than just a street in Lower Manhattan, New York. It's the beating heart of the American financial system. This bustling epicentre is home to some of the world's largest financial institutions, including banks, stock exchanges and investment firms. The New York Stock Exchange's history traces back to the signing of the Buttonwood Agreement by twenty-four New York City stockbrokers and merchants on May 17, 1792, under a Buttonwood tree located outside 68 Wall Street. This agreement organized securities trading in New York City and marked the beginning of the New York Stock Exchange. At its core, Wall Street serves as the centre of the stock market in the United States. The New York Stock Exchange (NYSE) and NASDAQ*, two of the most prominent stock exchanges globally are based here. These exchanges provide a platform for buying and selling shares of publicly traded companies. The connection of global financial markets means that what happens on Wall Street doesn't stay confined to its physical location. News of a major economic event or a shift in investor confidence on Wall Street can and will quickly travel worldwide, affecting markets in Asia, Europe and elsewhere for the positive and the negative. This link underscores the significance pull Wall Street in shaping the broader global financial landscape. Owun

The Disadvantages of Buying an Old House for Investment

The Allure of Buying an Old House for Investment I think we all understand that investing in real estate has always been an attractive option for those looking to secure their financial future. While many investors focus on buying new properties, there is a certain romantic charm and allure to buying an old house. Old houses often possess a unique character and history that can be appealing to both buyers and tenants. However, it is important to be aware of the hidden costs and disadvantages that come with buying an old house for investment. A thorough financial analysis will help you determine if the investment is financially viable and aligns with your investment goals. Come with me as we will explore the potentially massive downsides of purchasing an old house and provide tips for mitigating these disadvantages. You might fool yourself into thinking you are buying the house cheaper but.....

Buying with a significant other – what you should know

With interest rates settling down, now is a great time to get onto the property ladder. Of course we still see property prices climbing and the average dwelling prices in all our major cities not dropping backward for some, buying with a significant other – be it a spouse, partner, family member or friend – may be the only successful way onto the property ladder. Purchasing a property with someone else, like a life partner, spouse, family member or friend, has been a popular and viable way for many Australians to enter the property market. Purchasing with someone else often makes property ownership more affordable. It can be a strategy that enables potential buyers to pool their money for a deposit and utilise their borrowing power to get a loan. As co-owners can split the cost of the property and all the associated expenses, so that repayments are noticeably less than what you’d pay if you were buying solo. Whether you're buying with your partner or someone else, owning property is a big deal. With the right setup, it can be a rewarding and profitable experience. Over time, you might even make a tidy profit that you can use to buy your next property. This weeks show looks over the main things to be considered before jumping in head first.