BusinessInvestingEducation

The Property Couch

Ben Kingsley, Opti & The Couch Crew

Australia’s top property podcast for everyday investors who want real results, not hype.

Originally shaped by long-time hosts Ben Kingsley and Bryce Holdaway, The Property Couch has evolved into a new chapter led by Ben alongside the expanded Couch Crew. The foundations remain the same: practical frameworks, clear thinking, and real stories that help Australians make smarter decisions.

Backed by data, banter, and proudly anti-spruiker since 2015!

W: https://thepropertycouch.com.au/

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S1 · E9
September 22 · 15 min
What Happens When A Property Passes In At Auction? | PRE-Purchase Ep 8
The auction is over. You're the highest bidder. But the property didn't sell. Now what? In Episode 8 of PRE-Purchase, Ben Thompson and Shane Pope unpack one of the most misunderstood parts of the buying process: negotiating after a property passes in. You'll learn what happens immediately after the auction, why buyers shouldn't rush to increase their offer, the first question to ask the agent, and how experienced buyers use time, information and good questions to negotiate more effectively. This episode follows directly from Episode 7 and focuses on the unique opportunity that exists when you're the highest bidder after a passed-in auction. In This Episode ✅ What happens after a property passes in ✅ Should you go inside or stay outside? ✅ The first question to ask the agent ✅ Understanding the reserve price ✅ Why you shouldn't negotiate against yourself ✅ Using questions to gather information ✅ Why time is your friend ✅ Knowing when to move on price ✅ Understanding market value during negotiations ✅ How buyer's agents approach passed-in negotiations Need Help With Auction Or Property Negotiations? Negotiating after a passed-in auction can be one of the most intimidating moments in the buying process. If you'd like personalised guidance around auction strategy, negotiations or your next property purchase, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction 00:33 What happens after a property passes in? 01:21 The first thing Buyer Agents do 01:54 The first question: What's the reserve? 02:31 Should buyers go inside or stay outside? 03:40 Why staying outside can be helpful 04:03 Don't negotiate against yourself 04:49 The reserve price is revealed 05:30 Why questions create leverage 06:22 Time is your friend 07:35 When should buyers move on price? 08:00 A powerful negotiation question 09:05 Understanding when you're close 10:15 Paying fair market value 11:02 When agents may move to private sale 11:40 Key negotiation takeaways 13:20 The biggest mistake buyers make 14:00 Episode summary Hashtags #PassedIn #AuctionNegotiation #PropertyAuction #FirstHomeBuyer #HomeBuying #PropertyNegotiation #BuyersAgent #ThePropertyCouch #PREPurchase #AuctionStrategy LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
- Transcript
S1 · E8
September 22 · 22 min
How Does Buying At Auction Actually Work? | PRE-Purchase Ep 7
Auction day can be one of the most exciting and intimidating parts of the home-buying journey. In Episode 7 of PRE-Purchase, Ben Thompson and Shane Pope walk through exactly what happens on auction day, from arriving at the property and understanding auction terminology through to bidding strategies, reserve prices and signing contracts after a successful purchase. This episode focuses on what happens when you're buying at auction and successfully purchase the property. You'll learn how auction proceedings work, the terminology you'll hear, and practical strategies buyers use to approach auctions with greater confidence. In This Episode ✅ What to expect on auction day ✅ Why arriving early matters ✅ Introducing yourself to the auctioneer ✅ Understanding auction terminology ✅ Vendor bids explained ✅ Reserve price explained ✅ What "on the market" means ✅ What a passed-in property means ✅ Auction bidding strategies ✅ What happens after you win Need Help Buying At Auction? Auctions can move quickly and often involve significant pressure. If you'd like personalised guidance around your property search, auction strategy or negotiations, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction 00:16 Why auction buying inspired this series 00:59 What this episode covers 01:23 How early should you arrive? 01:41 Why you should introduce yourself to the auctioneer 03:18 Where should you stand? 04:33 Understanding auction proceedings 05:33 What is a vendor bid? 06:40 What does "passed in" mean? 08:03 What is a reserve price? 08:38 What does "on the market" mean? 09:03 Trial closes explained 12:06 How auctions typically reach their end point 13:35 Two common bidding strategies 15:52 Exuding confidence at auction 16:31 Why couples shouldn't stand together 17:32 What happens after you win? 18:06 Signing the contract 19:09 Paying the deposit 20:20 Celebrating your purchase Hashtags #AuctionDay #BuyingAtAuction #FirstHomeBuyer #PropertyAuction #PropertyBuying #AuctionStrategy #BuyersAgent #ThePropertyCouch #PREPurchase #PropertyTips LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E7
September 22 · 6 min
What Happens Once My Offer Is Accepted? | PRE-Purchase Ep 6
Your offer has been accepted. Time to celebrate... but not quite settle in just yet. In Episode 6 of PRE-Purchase, Ben Thompson and Shane Pope explain what happens between having an offer accepted and becoming unconditional. This is the stage where finance approval, building inspections and pest inspections are finalised. While many buyers think the deal is done once their offer is accepted, there are still some important steps to complete before the property officially becomes unconditional. You'll learn what your broker, solicitor and inspectors are doing behind the scenes, what can go wrong, and when you may have an opportunity to renegotiate. In This Episode ✅ What happens after an offer is accepted ✅ Building, pest and finance clauses explained ✅ Why banks order valuations ✅ What becoming unconditional means ✅ When you can exit a contract ✅ What happens if a condition isn't satisfied ✅ Renegotiating after a building inspection ✅ The role of your broker and solicitor ✅ What happens next on the road to settlement Need Help Navigating The Buying Process? Whether you're making offers, reviewing contracts or navigating the path to settlement, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction 00:15 Celebrate, but not quite yet 00:38 What happens after contracts are exchanged? 00:58 Why this differs from buying at auction 01:11 The three common contract conditions 01:23 What your broker does after acceptance 01:44 Why banks order valuations 02:07 Building and pest inspections explained 02:44 What happens when a property becomes unconditional? 02:53 When can a buyer exit the contract? 03:34 Can you renegotiate? 04:05 Renegotiating after a building inspection 05:00 Real-world renegotiation example 05:24 The final step before settlement 05:47 The role of your solicitor and conveyancer Hashtags #PropertyOffer #FirstHomeBuyer #HomeBuying #PropertyContracts #BuildingInspection #PropertyTips #BuyersAgent #ThePropertyCouch #PREPurchase #PropertySettlement LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E6
September 22 · 11 min
How Do I Negotiate With An Agent? | PRE-Purchase Ep 5
You've found the property. You've completed your research. You've done your inspections and due diligence. Now it's time to negotiate. In Episode 5 of PRE-Purchase, Ben Thompson and Shane Pope unpack one of the most challenging stages of the home-buying journey: negotiating a private sale. You'll learn why understanding the campaign matters, how to work with agents effectively, what "rules of engagement" actually mean, and why the strongest offer isn't always the highest offer. Whether the property is being sold via private treaty, expression of interest or sale by set date, this episode will help you understand how offers are assessed and how buyers can position themselves more effectively. In This Episode ✅ Understanding private sale campaigns ✅ Sale by set date vs expression of interest ✅ Why registering your interest matters ✅ Understanding your competition ✅ Questions to ask the selling agent ✅ Rules of engagement explained ✅ Offer conditions and negotiation strategy ✅ Price vs terms ✅ What actually makes an offer strong Need Help Negotiating A Purchase? Negotiations can be one of the most stressful parts of buying a home. If you'd like personalised guidance around your property search, negotiations, auction strategy or next purchase, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction 00:40 Bringing together the preparation and research phases 01:17 Knowing what the property is worth to you 01:46 Understanding different private sale campaigns 02:44 Why you should always register your interest 03:35 Understanding the campaign 03:53 Understanding your competition 04:06 Questions every buyer should ask 04:29 Understanding the rules of engagement 05:12 Why every agent runs campaigns differently 06:00 What makes an offer strong? 06:47 Example: conditional vs unconditional offers 08:21 Price, settlement and terms 09:09 How buyer's agents negotiate campaigns 09:51 The three things every buyer should understand 10:28 Next episode Hashtags #PrivateSale #PropertyNegotiation #FirstHomeBuyer #HomeBuying #PropertyTips #BuyersAgent #PropertyEducation #ThePropertyCouch #PREPurchase #PropertyMarket LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E5
September 22 · 8 min
What Due Diligence Should I Complete Before Buying A Home? | PRE-Purchase Ep 4
You've found a property you like. You've completed your research. Now comes one of the most important questions in the entire buying journey: Are you actually ready to commit? In Episode 4 of PRE-PURCHASE, Ben Thompson and Shane Pope walk through the final checks buyers should complete before making an offer or raising their hand at auction. From building and pest inspections to contract reviews, street inspections, neighbour considerations and risk management, this episode focuses on reducing surprises before you commit to one of the biggest financial decisions of your life. Because once you've signed or successfully purchased at auction, backing out can become difficult, expensive or impossible. In This Episode ✅ Why building and pest inspections are essential ✅ Licensed inspectors vs unlicensed inspectors ✅ Why you should visit the property multiple times ✅ Seeing the property at different times of day ✅ Understanding traffic, noise and neighbourhood factors ✅ Contract and solicitor reviews ✅ Risk management before purchase ✅ Why due diligence protects buyers Need Help Evaluating A Property? If you've found a property and want help assessing risk, reviewing your options or navigating the buying process, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction 00:18 What final checks should buyers complete? 00:30 Building and pest inspections explained 01:33 Why inspections are non-negotiable 02:11 Choosing licensed inspectors 02:54 Why licensing matters 03:13 Visit the property more than once 03:42 Inspect at different times of day 04:28 Contract reviews and legal advice 04:58 Why solicitors can be valuable 05:35 Final due diligence checklist 06:03 Working with your building inspector 06:29 Risk management before committing 06:53 Next episode: Negotiating a private sale Hashtags #DueDiligence #FirstHomeBuyer #HomeBuying #PropertyInspection #BuildingInspection #PropertyResearch #BuyersAgent #ThePropertyCouch #PREPURCHASE #PropertyTips LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E4
September 22 · 10 min
What Should I Look For When Inspecting A Property? | PRE-Purchase Ep 3
A property can look great on inspection day... but what are you actually looking for? In Episode 3 of PRE-Purchase, Ben Thompson and Shane Pope walk through one of the most important stages of the buying journey: property inspections. From identifying red flags and hidden risks to understanding presentation techniques and buyer competition, this episode helps buyers inspect properties with greater confidence and a more critical eye. You'll learn how to assess a property's condition, recognise common warning signs and understand what other buyers may be seeing when they walk through the same home. Because buying a property isn't just about finding something you like. It's about understanding exactly what you're buying. In This Episode ✅ Why inspection numbers matter ✅ How to identify strong buyer demand ✅ Red flags to look for during inspections ✅ Cracks, water damage and structural concerns ✅ Common presentation techniques sellers use ✅ Understanding natural light and orientation ✅ How to assess storage, functionality and layout ✅ Why bedroom dimensions matter ✅ How to separate emotional decisions from practical ones Need Help Assessing Properties? Whether you're buying your first home, upgrading or investing, the team at Empower Wealth can help you navigate inspections, negotiations and the buying process with confidence. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Introduction to property inspections 00:29 What to look for at inspections 01:03 Why buyer numbers matter 02:14 Understanding buyer demand 03:28 Common presentation techniques 04:02 Music, lighting and inspection presentation 05:01 Property red flags to watch for 06:15 Storage, layout and functionality 07:05 How properties actually feel to live in 07:25 Styling tricks and furniture placement 08:08 Bedroom size benchmarks 09:14 Natural light and orientation 09:28 Fresh paint and hidden issues 09:38 Preparing for final checks Hashtags #PropertyInspection #FirstHomeBuyer #HomeBuying #PropertyResearch #BuyersAgent #PropertyTips #PropertyEducation #ThePropertyCouch #PREPURCHASE #PropertyMarket LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E3
September 22 · 11 min
How Do I Search For A Home And Avoid Wasting Time? | PRE-Purchase Ep 2
Most buyers don't lose money because they failed to find a property. They lose money because they didn't spend enough time understanding the market. In Episode 2 of PRE-PURCHASE, Ben Thompson and Shane Pope explain how to research property properly, set effective search parameters and build the market knowledge needed to buy with confidence. This episode builds on Episode 1 and explores what happens after you've designed your property brief. You'll learn why inspecting properties is one of the most important parts of the buying process, how to use online portals effectively and why the best buyers spend significant time building local market knowledge before making an offer. Ben and Shane also discuss why attending inspections, tracking sale prices and understanding buyer competition can dramatically improve your decision-making. In This Episode ✅ How many properties you should inspect ✅ Why research is critical before making an offer ✅ The importance of market knowledge ✅ Understanding the Buyer's Quadrant in practice ✅ Using search parameters effectively ✅ Why most buyers underestimate the learning curve ✅ The common mistake buyers make on property portals ✅ Why you should attend auctions before bidding Need Help With Your Property Search? Buying property is one of the biggest financial decisions you'll make. If you'd like personalised guidance around your property search, negotiations, auction strategy or next purchase, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 00:00 Why research matters 00:37 The most important stage of buying 01:22 How many properties should you inspect? 02:04 Expanding your search criteria 03:12 Why buyer appeal matters 04:24 Building market knowledge 05:01 Estimating property values 05:47 Why buyer's agents exist 06:17 Property portal search tips 07:07 Why buyers miss opportunities online 08:02 Spotting underquoted properties 08:47 Why Episodes 1 & 2 work together 09:10 Why you should attend auctions early 10:03 Learn the auctioneer before auction day 10:29 Preparation and research create confidence Hashtags #PropertyResearch #FirstHomeBuyer #PropertySearch #BuyersAgent #AuctionTips #HomeBuying #PropertyEducation #ThePropertyCouch #PREPURCHASE #PropertyMarket LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E2
September 22 · 10 min
Designing Your Property Brief: The Most Important Step Before You Buy | PRE-Purchase Ep 1
Most buyers start searching for properties before they know exactly what they're looking for. That's where problems begin. In Episode 1 of PRE-PURCHASE, Ben Thompson and Shane Pope explain why creating a clear property brief is the foundation of a successful property search. Before you start attending inspections, speaking to agents or scrolling property websites, you need clarity around what you're actually trying to buy. In this episode, Ben and Shane introduce the Buyer's Quadrant, discuss the importance of separating needs from wants, and explain how a well-designed brief can save time, reduce stress and help you make better buying decisions. In This Episode ✅ Why most buyers underestimate the importance of their brief ✅ The Buyer's Quadrant explained ✅ Price, location, land and dwelling quality ✅ Needs vs wants ✅ Why couples should complete separate briefs first ✅ Avoiding costly compromises ✅ Creating your ideal starting point before researching the market Need Help With Your Property Journey? If you'd like personalised guidance around buying your first home, upgrading or investing, the team at Empower Wealth offers a complimentary initial consultation. 👉 https://empowerwealth.com.au/request-free-consultation/ Got A Question? If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode. 📩 Submit your question: https://thepropertycouch.com.au/contact Timestamps 0:00 Welcome to Episode 1 0:47 Why buyers work with professionals 1:17 Your brief will evolve 2:14 Introducing the Buyer's Quadrant 3:24 Starting with dwelling requirements 3:55 Needs vs wants explained 5:00 Why buyers often ask for too much 6:18 Reality-testing your brief 7:14 Building a practical property brief 8:17 Examples of needs and wants 8:49 The Buyer's Quadrant recap 9:08 Next episode: Property research #PropertyBrief #FirstHomeBuyer #HomeBuying #PropertyResearch #BuyersAgent #PropertyEducation #HomeOwnership #PropertySearch #ThePropertyCouch #PREPURCHASE LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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S1 · E1
September 22 · 3 min
The First Home Buyer Guide: Start Here | PRE-Purchase
Thinking about buying a home but not sure where to start? Welcome to PRE-PURCHASE, a practical step-by-step series designed to help buyers navigate one of life's biggest financial decisions with greater confidence. In this introductory episode, Ben Thompson and Shane Pope explain why they created the series, share their backgrounds in property, and walk through the framework that will guide the next 10 episodes. Whether you're preparing to buy your first home, upgrading, downsizing or simply looking to better understand the buying process, this series is designed to help you make more informed decisions and avoid common mistakes. Across the PRE-PURCHASE series, we'll cover: ✅ Defining your brief ✅ Researching suburbs and properties ✅ Property inspections and due diligence ✅ Negotiating private sales ✅ Buying at auction ✅ Getting unconditional ✅ Pre-settlement inspections ✅ Settlement day and moving in Got Questions? This series was built from real buyer questions. If there's something you'd like us to cover in the Q&A episode, send it through here: https://thepropertycouch.com.au/contact/ Need Help With Your Own Property Journey? If you'd like personalised guidance on buying your first home, upgrading, investing or navigating the property market, the team at Empower Wealth offers a complimentary initial consultation. 📅 Request your free consultation here: https://empowerwealth.com.au/request-free-consultation/ Whether you're still in the planning stage or actively looking for property, a conversation with an experienced professional can help you gain clarity and confidence around your next steps. Timestamps 0:00 Welcome to PRE-PURCHASE 0:17 Why we created this series 0:45 Meet Ben Thompson 1:38 Meet Shane Pope 2:10 What we'll cover throughout the series 2:47 Submit your questions for the Q&A #HomeBuying #FirstHomeBuyer #PropertyEducation #PropertyResearch #BuyersAgent #AuctionTips #SettlementDay #HomeOwnership #ThePropertyCouch #PREPURCHASE LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 18 · 12 min
Is Your Property Worth Less Than You Paid? | FUNdamental Fridays
What happens if your property is suddenly worth less than you paid for it? It's a question many homeowners and investors are asking as property values soften in some parts of Australia. In this week's FUNdamental Friday, Ben Thompson and mortgage broker Luke Oxenham unpack the reality behind declining property values, negative equity and what it actually means for homeowners. They discuss: ✅ What negative equity really is ✅ Why it doesn't automatically mean financial stress ✅ The difference between a valuation and your long-term plan ✅ Equity release strategies during changing markets ✅ Refinancing considerations in softer markets ✅ Why first home buyers shouldn't panic ✅ How loan structure can create flexibility Because sometimes a scary headline isn't the full story. 🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app. Then: 📸 Take a screenshot of your review 📧 Email it to info@thepropertycouch.com.au We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes. Timestamps 0:00 What if your property value falls? 0:31 What negative equity actually means 1:21 A real-world example 2:23 Why it's often just a snapshot in time 3:28 Upgrading in a changing market 4:22 Should you release equity sooner? 5:01 Refinancing risks explained 6:09 Future-proofing your position 6:56 How interest-only loans and offsets work 8:06 Can negative equity be part of a strategy? 9:26 Why it isn't always catastrophic 10:17 Advice for first home buyers 11:10 Advice for homeowners with equity #PropertyInvesting #PropertyValues #HomeOwnership #PropertyFinance #MortgageBroker #EquityRelease #Refinancing #FirstHomeBuyer #ThePropertyCouch #FUNdamentalFridays LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 17 · 58 min
615 | The $86K Gap Putting Australian Women at Financial Risk
What would happen to your finances if the person who usually manages the money was no longer there? In Episode 615, Ben Kingsley, Kirsty Dunphey and Polly Chu explore women’s financial independence and the risks that can quietly build through career breaks, unpaid caring responsibilities and leaving the bigger financial decisions to a partner. They also share practical ways to protect your future, from understanding your cash flow and investments to super contribution splitting, household money meetings, insurance and estate planning. 🛡️ Financial independence isn’t about expecting the worst. It’s about knowing where you stand, having a voice and being prepared if life doesn’t go to plan. Listen now! A quick production note: We had to switch recording platforms partway through the episode, so you may notice a slight change in audio and video quality. Thanks for bearing with us! FREE STUFF MENTIONED Sell, Buy or Optimise? Free Property Webinar 7:30pm AEST, Tues 22 September The market is shifting but does your current property strategy still stack up? Join Ben in our upcoming webinar as he explores the frameworks that can help you assess whether your next move could be to sell, buy, hold or optimise. 👉 Register for the free webinar The PRE-Purchase Series Coming soon: a new ten-part, bite-sized series designed to help you navigate the three key stages of purchasing property: Preparation, Research and Execution. 👉 If you’re a TPC subscriber, keep your eyes peeled in your inbox next week! The Property Couch Summer Series Did a turning point change the direction of your property journey? Or can you share what playing the long game really looks like after 10, 15 or 20 years? We want to hear your story. 👉 Share your property journey Moorr: Your New Home for Property, Finance & Money Management Bring your cash flow, property, goals and overall financial position together in one place, so you can understand your numbers and make more informed financial decisions. 👉 Get started with Moorr for free Books Mentioned: The Wife Drought by Annabelle Crabb LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 15 · 12 min
Your Brain Is Costing You Money | Throwback Tuesdays
You probably like to think your financial decisions are rational. But behavioural economics tells us that emotion, instinct and old rules of thumb can influence our decisions far more than we realise. In this week’s Throwback Tuesday, Ben and Bryce revisit their conversation with Phil Slade on the “ape brain”, reacting versus responding, and why the rules that once kept us safe can sometimes work against us when it comes to money. For the original episode, tune in here: Episode 338 | Going Ape S#!t: How To Hack Your Brain To Make More Money. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 11 · 9 min
Why Property Investors Need to Prepare for 1 July 2027 NOW | FUNdamental Fridays
Could millions of Australian property investors be leaving things too late? In this week's FUNdamental Friday, Ben Kingsley sits down with Greg Sugars from Preston Rowe Paterson to discuss the practical challenges surrounding the government's upcoming capital gains tax valuation requirements. With approximately 3.5 million investment properties across Australia and only around 6,000 valuers available, Greg explains why investors should start planning now rather than waiting until the last minute. They discuss: ✅ Why 1 July 2027 matters ✅ The growing demand for certified property valuations ✅ Why relying on automated valuation models could be risky ✅ The difference between valuations and indexing methods ✅ Why accountants are already planning ahead ✅ The potential bottlenecks property investors should be aware of If these changes affect you, this episode highlights why preparation could be far easier than panic. 🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app. Then: 📸 Screenshot your review 📧 Email it to info@thepropertycouch.com.au We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes. ⏱️ Timestamps 0:00 The upcoming CGT valuation challenge 0:43 How the new rules affect investors 1:13 3.5 million properties vs 6,000 valuers 2:08 Why valuers are already preparing 3:03 Why investors should plan early 3:53 The risk of relying on automated valuatons 4:20 Can valuations be completed later? 5:21 What we still don't know 6:09 Why proper valuations matter 7:16 How accountants are planning ahead 7:57 Is the valuation tax deductible? 8:08 Greg's final advice #PropertyInvesting #CapitalGainsTax #PropertyValuation #PropertyInvestor #TaxPlanning #InvestmentProperty #PropertyMarket #WealthCreation #ThePropertyCouch #FUNdamentalFridays LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 10 · 55 min
614 | Property D-Day: The Decisions Investors Can’t Avoid – Q&A Day
With cooling market conditions, tax changes and another rate rise expected this year, uncomfortable decisions are starting to surface for many investors. In this jam-packed Q&A Day, Ben is joined by Couch Crew, Ben Thompson (QPIA) and Shane Pope (Buyers Agent), to tackle four real scenarios facing property investors right now. Should you sell a good property when cash flow gets tight? Have recent tax changes fundamentally changed the investment equation? What happens when the regional portfolio you built to eventually buy your dream home starts falling behind? And can you realistically wipe out your home loan in five years? Plus, Ben opens the episode with an important warning about the hype, false scarcity and short-term promises appearing in parts of the buyer’s agent industry , and why changing market conditions could expose investors who bought speculation rather than quality. From cash buffers and debt reduction to fear of messing up, portfolio exits and knowing when to seek professional advice, this episode is about making the invisible visible before making your next big financial move. Listen now! FREE STUFF MENTIONED Sell, Hold or Optimise Webinar 7:30pm AEST, Tues 22 September Register for our upcoming webinar on how to make the right property decision in the current market, including whether to sell, buy or sit tight. 👉 Save your spot Updated Case Study Series See how the original strategies from How to Retire on $3,000 a Week stack up under today’s tax settings, plus a brand-new bonus Live-Vesting case study. Usually $197, Couch Crew can access the full series for just $17 using code COUCH17. 👉 Save $180 on your updated Case Studies 🏠 Rental Property Owner’s Playbook Download your free practical guide to running your investment property “on autopilot” and managing the ongoing admin in less than 10 hours a year. 👉 Start saving time and energy Guests & Episodes Mentioned: 564 | From FOMO to COMO: What Compromise Gets You Into the Property Market? 610 | Livevesting: Could Buying a Better Home Be Smarter Than Another Investment Property? – Chat with Stuart Wemyss LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 8 · 4 min
How Much Money is Enough? | Throwback Tuesdays
How much money is enough? It sounds like a simple question, but most of us have never actually defined the answer. In this week’s Throwback Tuesday, Ben and Bryce revisit a powerful idea from The Psychology of Money and explore why the comparison game is one you can never win... and how to start working out your own “enough” number. Because if you don’t know what enough looks like, how will you ever know when you’ve arrived? For the original episode, tune in here: Episode 395 | How This NRL Star Found Financial and Mental Peace. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 4 · 8 min
What REALLY Happens During a Bank Valuation? | FUNdamental Fridays
Do you need to clean your home before a bank valuation? In this week's FUNdamental Friday, Ben Kingsley is joined by Neal Ellis from Preston Rowe Paterson to lift the curtain on how bank valuations actually work. Many property owners assume valuers are looking for spotless homes, premium finishes and perfect presentation. The reality is very different. Neal explains what banks really want from a valuation, why speed of access matters more than a clean house, how comparable sales drive valuation outcomes, and what risk factors lenders pay attention to when assessing a property. You'll learn: ✅ The difference between a bank valuation and an agent appraisal ✅ Why valuers focus on a 30-60 day sale outcome ✅ How comparable sales influence value ✅ What you can do to help the valuation process ✅ The risk factors that banks assess ✅ Why presentation isn't nearly as important as people think ✅ Which upgrades may (or may not) add value Because sometimes the best thing you can do for your valuation is simply open the front door. ⏱️Timestamps 0:00 The best thing you can do before a valuation 0:37 Why bank valuations differ from agent appraisals 1:14 The 30-60 day valuation rule 2:08 Can homeowners help the valuer? 2:47 The biggest valuation misconception 3:37 What actually happens during an inspection? 4:32 Why valuers take photos 5:07 Valuing tenanted properties 6:20 What valuers assess 6:56 Understanding property risk ratings 7:55 Which upgrades add value? 8:34 Final takeaways 🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app. Then: 📸 Take a screenshot of your review 📧 Email it to info@thepropertycouch.com.au We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes. #PropertyValuation #PropertyInvesting #PropertyMarket #MortgageLending #PropertyOwners #RealEstateAustralia #PropertyEducation #HomeLoans #ThePropertyCouch #FUNdamentalFridays LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 3 · 1 hr 5 min
613 | How to Run Your Rental Property on Autopilot
Most investors think they’re buying a property. What they don’t realise is they’re also taking on a small rental business. That business generates income, incurs expenses, carries risk and creates ongoing tax, compliance and record-keeping responsibilities. While a great property manager can handle much of the day-to-day work, there are some jobs only the owner can oversee. In this practical episode, Ben is joined by Senior Tax Adviser Danish Ahmed and Moorr Product Manager (and fellow property investor) Connor Christie to unpack what it really takes to run an investment property well. They unpack: 🔑 What to organise before and immediately after settlement 📂 Which documents you may need to keep for decades 💵 How to stay across rent, expenses and cash flow 🔨 Why repairs and improvements need to be recorded differently 🧾 The information accountants regularly find missing at tax time ⚠️ Which responsibilities still belong to you (and not your property manager) Plus, we’re giving you a brand-new free resource to help bring it all together: The Rental Property Owner’s Playbook. If you own an investment property, or plan to, this is your holy grail operating manual. Listen now! FREE STUFF MENTIONED The Rental Property Owner’s Playbook 🏠 Download our free practical guide to the records, routines and reviews you need to run your investment property like a business, without letting the admin take over your life. Set up the right systems now and you could manage the ongoing work in less than 10 hours a year. 👉 Download the playbook now >> Updated Case Study Series! 📊 Discover 7 refreshed case studies and a brand-new Live-Vesting strategy, remodelled by QPIAs Ben Thompson and Polly Chu to reveal what still stacks up, and what needs to change. Free access has now closed, but as part of the TPC community, you can access the entire series for just $17, usually $197. Use the discount code COUCH17 at checkout to save $180. 👉 Explore the Case Study Series now >> Moorr: Your All-In-One Financial Home 💻 Bring your property finances, documents, transactions and key dates together in one place with Moorr. 👉 Create your free account or log in now >> Don’t Leave Money on the Table This Tax Time 🧾 Missing records can mean missed deductions, and more tax-time stress than necessary. Our property tax specialists can help you accurately report your rental income, expenses, and eligible deductions, so you can feel confident that your investment property tax return is prepared correctly. 👉 Book your complimentary initial appointment with the team today. Related Episodes: 🎧 031 (Part 2) | Checklist to Getting A Great Property Manager – Chat with Carolyn Wright 203 | How to Choose the Right Property Manager – Chat with Lauren Robinson LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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September 1 · 11 min
Why Do Interest Rates Rise When Prices Are Already High? | Throwback Tuesdays
Remember when broccoli cost $11 a kilo? 🥦 When everyday essentials are already getting more expensive, raising interest rates can feel completely backwards. In this Throwback Tuesday snippet, Ben and Bryce explain why the RBA does it anyway... and how cooling demand can help stop inflation from becoming an even bigger problem. For the original episode, tune in here: Episode 404 | What do Inflation, Interest Rates & Broccoli Have to Do with Property?! LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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August 28 · 14 min
The Best Property Deals Aren't Off-Market Right Now | FUNdamental Fridays
Do off-market properties really offer the best value? In this Friday Fundamentals episode, Shane Pope and Ben Thompson challenge one of the most common assumptions in property buying. Many buyers believe the best opportunities are hidden away off-market. But in today's market, the guys argue some of the strongest buying opportunities are actually being found on-market, particularly after failed auction campaigns. Together they unpack: ✅ The difference between on-market and off-market properties ✅ Why vendor motivation matters more than exclusivity ✅ How today's market conditions have changed the equation ✅ Why some off-market buyers may be overpaying ✅ The role of competition and price transparency ✅ How to assess true value before making an offer They also share a real-world example where a property purchased for $1.175M later received a bank valuation of more than $1.3M. Because sometimes the best property opportunities aren't hidden from the market. They're hiding in plain sight. Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/ 🎁 FREE UPDATED CASE STUDIES Leave a review for The Property Couch podcast (any podcast platform) OR leave a review for the Moorr app. Then simply send a screenshot to: 📧 info@thepropertycouch.com.au We'll send you FREE access to our updated $3,000 A Week Case Study Series, featuring real-life scenarios updated for the latest negative gearing and capital gains tax changes. More info at https://thepropertycouch.com.au/playbook-case-studies/ ⌚ Timestamps 0:00 Welcome to Friday Fundamentals 00:26 Introduction 01:13 On-market vs off-market explained 01:54 Why they're avoiding many off-market deals 02:54 Where today's best buying opportunities are appearing 03:50 Why buyers are obsessed with off-markets 05:13 Understanding vendor motivation 06:21 Why transparency matters 07:00 A real-life $200,000 buying opportunity 08:39 How motivation creates value 09:15 The 3 Ds of property transactions 10:25 Where opportunistic vendors have gone 10:48 The key question to ask an agent 11:20 Why they prefer market testing #PropertyInvesting #PropertyBuying #BuyersAgent #OffMarketProperty #PropertyMarket #AuctionStrategy #RealEstateAustralia #HomeBuying #PropertyStrategy #ThePropertyCouch #FUNdamentalFridays LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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August 27 · 1 hr 7 min
612 | Residential vs Commercial: What Stacks Up? - Chat with Neal Ellis & Greg Sugars
Brisbane may already be turning. Interstate investors may be splitting cities into two-tier markets. And 200+ valuers across Australia and New Zealand are the first to know it. Ben is joined by Preston Rowe Paterson's Neal Ellis and Greg Sugars, who draw on that ground-level valuer network to unpack what's really happening in residential property, including the warning signs that headlines are missing. The conversation shifts to commercial, where tax changes are pulling more investors beyond residential. Does commercial genuinely offer a better opportunity, or are its higher yields hiding bigger risks? Vacant offices, oversupplied industrial units, tenant quality, finance costs, year-long vacancy periods: this episode maps out what investors need to understand before making the leap. PLUS, you'll hear: 🏗️ Why housing approvals aren't translating into completed homes 🏢 The fundamentals of office, retail and industrial property 💰 Why a higher commercial yield doesn't automatically mean a better investment 📈 Where opportunities may emerge for informed, long-term investors Listen now! FREE STUFF MENTIONED 📚 Get FREE access to our updated Case Study Series We’ve updated all seven case studies from How to Retire on $3,000 a Week to reflect the latest tax changes. To unlock the complete video series: Leave a review on The Property Couch 🍎 Apple 🎧 Spotify Moorr: 🍎 App Store 🤖 Google Play Take a screenshot of your review Email it to info@thepropertycouch.com.au Be quick though, free early access closes soon! Free Book 📚 How to Retire on $3,000 a Week: Discover the bestselling book where our case studies originated from and learn the timeless principles behind building long-term wealth. Preston Rowe Paterson 🏢 Learn more about Neal, Greg and Preston Rowe Paterson’s property valuation and consultancy services across Australia. Find out more >> LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
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