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Highlights - How To Finance Your $150K Passive Income Portfolio - Aaron Whybrow - 20/11/24 -AUS Prop
0:00 Full Session Intro
1:33 Steps to Build a Passive Income Portfolio
3:18 3 Different Financial Scenarios Analysis that Can Change the Outcome of Borrowing Capacity
11:03 Deciding Between Personal and SMSF Property
15:09 Why are the Borrowing Capacities different in trust or Personal?
16:58 Borrowing Capacity Tips for 2025
20:51 Selling Properties for Financial Strategy
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To learn more in detail Please Watch the Full Episode -
ua-cam.com/users/livedTpx5iPjnfM
------------------------------------------
Some of the Topics we discussed in the Main Live Session are below -
- Common Financing Challenges
- Importance of Clear Goals
- Strategies for Overcoming Borrowing Capacity Limits
- How can we increase borrowing capacity when we are fully invested?
- Initial Investment Considerations
- Strategies for Overcoming Lending Challenges
- Starting Side Hustles for Additional Income & Utilizing Existing ABNs
- Evaluating Small Business Income
- Navigating Tax Obligations
- Steps to Build a Passive Income Portfolio
- Financial Scenarios Analysis
- Understanding Borrowing Capacity and Rent Vesting
- Strategies for Young Investors
- Deciding Between Personal and SMSF Property
- Why are the Borrowing Capacities different in trust or Personal?
- Understanding Lending Structures
- Navigating Bank Policies
- As a Broker, How do you Help Borrowers weigh up which is best for their Borrowing?
- First-Time Investors and Trust Setup
- Borrowing Scenarios
- Key Points - Understanding Trusts and Borrowing Capacity
- Navigating Future Lending after You have bought a number of properties in trust?
- Would Commercial Property be a far better solution to servicing loans?
- Mortgage Prisoner Concept Explained
- Borrowing Capacity Tips for 2025
- Understanding Trusts and Borrowing Capacity
- Selling Properties for Financial Strategy
- Engagement and Future Learning Opportunities
- Granny Flats and Serviceability
----------------------------
Aaron is the “Bagpiping Mortgage Broker”.
Unlike other mortgage brokers, Aaron is not “Flat” as there are no “flats” on the bagpipes!
Aaron has enjoyed 3 careers in his life, and the learnings and skills from these have all come together giving you a mortgage broker with different yet highly essential skills.
------------------------------------
Connect with Aus Property Investors, Joe Tucker and Jef Miles:
groups/Auspropertyinvestorsgroup
Every Wednesday at 7:30 pm we interview amazing property people, no spruikers, sharks or BS, only insightful people we see value sharing with the community.
SUBSCRIBE: ua-cam.com/channels/2HqGjqtaXvvJDqwKQJx77Q.html
Connect with Aaron Whybrow: strategicmortgagebrokers.com.au/
---------------------------------------------
Take 10 seconds and sign up for our Aus Property Investor newsletter: propertyinvesting.substack.com/
Every second Sunday of the month, you’ll get an email which is a download of the amazing guests we have had on the Facebook Group. Inside will be fun and useful things to ponder and try on your own property journey. 🙌
---------------------------------------------
About Aus Property Investors Facebook group:
It’s one of Australia’s largest Facebook Communities dedicated to Property Investing. It was started by two friends Joe Tucker and Jef Miles who love property investing in Australia. We would constantly phone call people we respected in the property space and chat about how they have done so well. We realised, heck we love these chats so much, why don’t we record them all. This is how the community was born, we’d invite all our property friends to share their insights with everyone. We have investors from all walks of property life, investors with $20M+ portfolios, people with 25+ properties and people like you, just starting out or have a few property wins under their belt. Join the community!
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This live is powered by Palise Property 💪!! If you're at the stage where you feel that commercial property is the next step and are not sure where to start, check out Steve Palise from Palise Property and his epic commercial 🏠 book, enter AusProp in the offers to secure the Aus Property Investors special offer 👇
www.paliseproperty.com/book
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Переглядів: 177

Відео

How To Finance Your $150K Passive Income Portfolio - Aaron Whybrow - 20/11/24 - AUS Prop
Переглядів 3939 годин тому
0:00:00 Session Start 0:03:48 Introducing the Guest and his Background 0:08:28 Common Financing Challenges 0:09:54 Importance of Clear Goals 0:12:15 Strategies for Overcoming Borrowing Capacity Limits 0:14:16 How can we increase borrowing capacity when we are fully invested? 0:18:50 Initial Investment Considerations 0:20:49 Strategies for Overcoming Lending Challenges 0:23:04 Starting Side Hust...
Highlights - Aus Property Portfolio -Key Principles To Building Your $150K Passive Income -Jef & Joe
Переглядів 338День тому
0:00 Full Session Intro 1:32 Property 1 Overview - Melbourne 3-4 Conversion (Granny Flat, Ugly Duckling/Renovation) 6:22 Property 2 Overview - Townsville Subdivision 8:13 Leverage - First Core Principles of Building Passive Income 12:56 Should You Focus on Capital Growth or Cash Flow? 19:48 Core Principle - Timing the Market and Time in the Market 27:35 CBD vs. Outskirts: Analyzing Growth Poten...
Aus Property Portfolio - Key Principles To Building Your $150K Passive Income - Jef & Joe - 13/11/24
Переглядів 358День тому
0:00:00 Session Start 0:02:29 Introducing the Hosts and Their Background 0:05:07 Overview of the $150k Passive Income Portfolio 0:06:02 Short Term Strategy - Accumulation / Foundation 0:07:54 Property 1 - Melbourne 3-4 Conversion (Granny Flat, Ugly Duckling/Renovation) 0:15:43 Property 2 - Townsville Subdivision 0:19:03 Property 3 - Geelong Unit Block 0:21:20 Leverage - First Core Principles of...
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Переглядів 45414 днів тому
0:00 Full Session Intro 2:05 The Role of Tax Refunds in Investment Decisions 5:10 Impact of Negative Gearing Removal 7:34 Future Predictions on Housing Policy 11:29 How does Property keep increasing in value without wages growth? 15:12 Future Predictions & Migration Impact on Property Prices 17:26 Strategies for Future Property Acquisitions To learn more in detail Please Watch the Full Episode ...
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КОМЕНТАРІ

  • @enzeru2010
    @enzeru2010 День тому

    Good to see Todd on the podcast!

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 День тому

      He does ask amazing questions :D, I was prodding him to ask more Thanks for stopping by!

  • @libbylake1493
    @libbylake1493 День тому

    Really informative!! Thank you

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 3 дні тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? Watch the Highlights Episode - ua-cam.com/video/EK0EwXp7ekc/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 3 дні тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? To learn more in detail Please Watch the Full Episode - ua-cam.com/video/S_dhziMu4qY/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 4 дні тому

    What is The Audience Rocking Up For With Their Property In 2025?! 🔥

  • @ironjaw1967
    @ironjaw1967 5 днів тому

    Bankwest was unable to lend me even though everything was looking good even after submission, and then they basically said no by imposing conditions that simply could not be met

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 5 днів тому

      Arghh A Shame, hopefully another lender can be found to keep things moving forward 😲 Thanks for stopping by again!

  • @ramonriveralaffont8126
    @ramonriveralaffont8126 6 днів тому

    I learned more in this video than I learned in a year of invention. Good job guys

  • @ironjaw1967
    @ironjaw1967 6 днів тому

    Trouble is usually the easiest properties to sell in your property portfolio are the best ones that you should be keeping in your portfolio as they are usually in high demand and desirable. So you really need to think that strategically, whether you will be better off strategically by selling possiblly your best assets may not be the best outcome or desirable outcome to do.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 6 днів тому

      100% as Aaron points out you need to be super "strategic" on if you can re-deploy funds & lending elsewhere 😃, no point selling for the sake of it😦 Cheers for stopping by! 🥳

  • @ramonriveralaffont8126
    @ramonriveralaffont8126 10 днів тому

    Good job.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 10 днів тому

      Thanks Ramon 😊, appreciate the encouragement and stopping by! Have a cracking end to 2024 and may your Property Goals be smashed in 2025!

  • @georgebets4128
    @georgebets4128 10 днів тому

    Love the work

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 10 днів тому

      Cheers George, appreciate you stopping by and thanks for the words! Have a cracking end to 2024 and may your Property Goals be smashed in 2025!

  • @rohitb5985
    @rohitb5985 14 днів тому

    Hi Jef, Joe : Can you please share the link of this tracker

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 11 днів тому

      The tracker we talk to for the portfolio that has all the #'s in it?! I'm not sure we will be sharing if so but I'll chat to Joe 😃!

  • @03design50
    @03design50 14 днів тому

    Where in Melbourne pls 😊

  • @natasacecez2373
    @natasacecez2373 15 днів тому

    This offers valuable insights and is quite compelling👏

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 15 днів тому

      Agreed for sure 😃, what was the most valuable insight you got from this one? Thanks for stopping by!

  • @keithchapman1477
    @keithchapman1477 15 днів тому

    So funny, guys you do not know what's coming. This is a warning/heads up.... taxation will end under Gersara. No tax means there will be nothing to gear. We are going into anew world. Capricorn greed is out. Corruption is out. Land release, good times for the people. Not to far away people buy a proper 3bed average home on 1 medium low wage.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 15 днів тому

      Interesting sounds like you know something someone like Vince who's been in the game 40+ years, hasn't heard! Could be big times ahead! We'll have to wait and 👀 Cheers for stopping by 🙏!

    • @keithchapman1477
      @keithchapman1477 15 днів тому

      @auspropertyinvestors3802 he will, this change is going to be big. 40 years means nothing if he doesn't understand what's going on. Open ur eyes....

  • @AUThePunisher
    @AUThePunisher 15 днів тому

    10 years ago a ebedroom house in Campebelltown Sydney was 200k.

  • @jimm3379
    @jimm3379 16 днів тому

    I think Einstein said that compounding interest was the eighth wonder of the world

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 16 днів тому

      He did yes 🙌, missed that one and good pick-up! Thanks for stopping by 🙏!

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 17 днів тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You Can Watch the Highlighted Episode from here - ua-cam.com/video/FYlY2F7M3eU/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 17 днів тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? To learn more in detail Please Watch the Full Episode - ua-cam.com/users/liveFvnaAepSA_8 Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @valuebuyers6900
    @valuebuyers6900 21 день тому

    Best episode, pure wisdom.

  • @melhill7159
    @melhill7159 21 день тому

    That was great! How goods Vince!! Stoked to hear about Jeremy's channel cheers, subscribed now.

  • @georgebets4128
    @georgebets4128 22 дні тому

    Great show, lots of fun to watch and informative. Cannot see the email to contact Jeremy email, would be great to work with him.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 22 дні тому

      Thanks a lot for stopping by 😃and it was a lot of fun for sure!! It is jeremy.iannuzzelli@khipartners.com.au drop our name [no referral rubbish] but it'll be one he'll jump on probably

  • @BiplabBarmanbd
    @BiplabBarmanbd 24 дні тому

    great content

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 24 дні тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Highlights Video from here - ua-cam.com/video/UNFjkLqEycI/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 24 дні тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Full Video from here - ua-cam.com/users/live1UYaD8kSzBU Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @bahoang172
    @bahoang172 27 днів тому

    Do your properties have any one dwelling restrictive covenant on the tittles when you bought in Melbourne ? I found that they are very common in some areas of Melbourne

  • @FreelancerRraihan
    @FreelancerRraihan 29 днів тому

    Good session!! 🎉

  • @jimm3379
    @jimm3379 29 днів тому

    Such a good chat guys! Mat is really good at applying/interpreting data in the real world.

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 29 днів тому

    Jump in on the comments and questions team particularly re the areas & we'll do mini sesh's etc for those 😃!

  • @BeechBoy22
    @BeechBoy22 Місяць тому

    Fix your internet Jef for god sake… some of the frozen heads u were pulling were too much 😂

  • @jefmiles8296
    @jefmiles8296 Місяць тому

    I think it was divided here but shares packed some strong punches 🥳🤷👀

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Highlights Video from here - ua-cam.com/video/ulZzs5Ir54E/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Full Video from here - ua-cam.com/users/liveP0ppbJ8Pe04 Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @RedorBlack21
    @RedorBlack21 Місяць тому

    Some comments - if u only work 9 to 5 forget about it. Why not start at 5am? Joe and Jef need to gell better so dont keep talking over each other. I commented on a previous video and it was deleted a day later dont know why.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Agreed work smarter and harder 😊 I think 💭 I'll [Jef], take some ownership here due to a shoddy internet connection, haven't had that comment 3-6 months now but the connection was ordinary for me here.. Not sure what happened I keep almost all comments, the good, the bad and the indifferent Thanks for stopping by and appreciate the feedback🙏! Let me know via Facebook [if you're on it] if this gets deleted and I'll bail up Joe 🥊

    • @RedorBlack21
      @RedorBlack21 Місяць тому

      👍 i was thinking smarter not harder and also 9am start is not guna cut it. Anyone i know who is successful worked 12 hrs a day at what they do.

    • @RedorBlack21
      @RedorBlack21 Місяць тому

      Diversified funds - i dont agree with. Do the hard work into fundamental analysis then buy the stocks u have done the work on. Im glad this is a property channel

    • @RedorBlack21
      @RedorBlack21 Місяць тому

      Also, every one to their own but I personally stay away from dividend stocks. They dont go up

    • @RedorBlack21
      @RedorBlack21 Місяць тому

      As an investor…I wouldnt be worried about loosing my job- be more worried about loosing my real estate portfolio!!

  • @Bossdoubb
    @Bossdoubb Місяць тому

    When $1k giveaway

  • @kamakkin
    @kamakkin Місяць тому

    think about it this way, to build wealth, using leverage gets you there faster. e.g $200K put into shares vs $200K deposit on a $1M dollar property. The average capital gain on the index's is around 8-9% a year(dividend's reinvested). This is similar for property in a great location. in 10 years, your investment in the index is worth $430K and your property is worth $2.15M

    • @kayemmae6733
      @kayemmae6733 Місяць тому

      @@kamakkin yes but this ignores the buying costs, selling costs, holding costs/mortgage payments of holding property. With ETFs/shares you pay $3 to buy/sell on stake.

    • @Heresthe411
      @Heresthe411 Місяць тому

      Factor in the holding costs with property and instead adding that money to the share portfolio on an ongoing basis instead.

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Leverage can be great [we are Aus Prop Investors] after all, what I'll say though is if you don't see growth [can also happen in shares] there ultimately then needs to be a consideration on yields which in resi are ordinary given the holding.. Depends on a multitude of factors.. Love the passion on this one and thanks for stopping by and leaving a great comment

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      @@Heresthe411 Love the passion on this one and thanks for stopping by and leaving a great comment as I mentioned to Kamakkin above :D

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      @@kayemmae6733 Love the passion on this one and thanks for stopping by and leaving a great comment as I mentioned to Kamakkin above :D

  • @kayemmae6733
    @kayemmae6733 Місяць тому

    Listening to dave's book on audible was eye opening to me. I've made money from property but have never enjoyed the process (debt, negative cash flow, tenant issues). Moving to ETFs makes so much sense (especially for someone approaching retirement and not wanting to stay leveraged/working to support the portfolio)

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Yeah interesting perspective, I [Jef] will still be more of a property guy particularly once I can get into the net yields of commercial but 👀 have certainly been opened! Thanks for stopping by and commenting 😃!

  • @queenv8034
    @queenv8034 Місяць тому

    Thanks for a great chat guys! Totally relate to the share market being a little scary, now that I've started learning a little more I wish I had started learning earlier! My reason for chasing financial independence is so I don't have to do night shifts forever... I'm an Emergency Nurse and I really struggle on nights. I guess that is my "stick" reason haha!

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Arghh yes nice one thanks for swinging by and appreciate the share 😃.. I will calibrate the book give-away over the coming days.. I suspect I may need a msg on Facebook to send these out or an email sent to us.. Will keep you posted

  • @timsinke8503
    @timsinke8503 Місяць тому

    Where to get his book? I need a new read

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      I got mine here [no affiliate link] or I also hear it's for free on Spotify Audio 🤷‍♂.. www.amazon.com.au/Strong-Money-Australia-Financial-Independence/dp/0645632406 I may reach out and flick you a copy, I did promise a few at the end of the sesh [Jef here] 😊!

  • @rohit5145
    @rohit5145 Місяць тому

    Fantastic session …

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Thanks a lot, it was a fun one for sure! Appreciate you stopping by and for the comment 😊!

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Highlights Video from here - ua-cam.com/video/ulZzs5Ir54E/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Full Video from here - ua-cam.com/users/live00kX2v1FGok Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @DavidCruz3
    @DavidCruz3 Місяць тому

    Great shares strategy combined with properties. Smart asset allocation

    • @auspropertyinvestors3802
      @auspropertyinvestors3802 Місяць тому

      Thanks for "sharing" 😆.. You're gonna love next week's if so, tune in :D Appreciate you stopping by!

  • @jefmiles8296
    @jefmiles8296 Місяць тому

    Drop these questions and comments 👇 team we'll answer and even get gaurav to jump in if we can't 👌

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Full Video from here - ua-cam.com/users/live5iJnvozasLE Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @auspropertyinvestors3802
    @auspropertyinvestors3802 Місяць тому

    What an epic session! Conversations like this, it’s always good to have 1 golden nugget. What were your key takeaway? You can also Watch the Highlighted Episode from here - ua-cam.com/video/K3FDIn1ZHIw/v-deo.html Join the Aus Property Investor Community here for like minded property investors just like you facebook.com/groups/616524975933101

  • @RedorBlack21
    @RedorBlack21 Місяць тому

    Haha i started with a $14M development as the first one 😭

  • @AdityaVerma-uc4zi
    @AdityaVerma-uc4zi Місяць тому

    Hey joy , i reach out to you in Inta

  • @AdityaVerma-uc4zi
    @AdityaVerma-uc4zi Місяць тому

    Hey joe , thanks for great insights ❤

  • @jefmiles8296
    @jefmiles8296 Місяць тому

    Good start will help you with it young Joe 😂❤

  • @gauravmakhijani6541
    @gauravmakhijani6541 Місяць тому

    Joe 😂 2002 not 2022 😂