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Atelier Wealth Mortgage Brokers
Australia
Приєднався 20 чер 2016
It’s all about ‘Finely tailored finance’. We are passionate about what we do, and our clients attest to the level of personal service we offer. We’re are here to guide you every step of the way to help secure the finance product that is right for you. And we remain as a trusted partner following settlement, checking in periodically to assess if there’s ways we can help you respond to rate movements, release equity, or move into further investments - or all of these things.
Investing in Melbourne - Is it an opportunity OR a dud idea?
Is it ever too late to start investing? Definitely not! Just ask Christine Williams, who, after starting over due to unexpected life events, transformed her single home portfolio into an equity empire.
Join Aaron and Christine as they dive deep into Victoria’s current property scene. Learn about the latest tax hikes, rental yields, and market trends affecting investors. Christine shares her expert strategies for navigating Melbourne's real estate market, highlighting key hotspots and growth areas.
With over 30 years of experience, Christine has seen it all and done it all. She knows what works and what doesn’t. Her wealth of knowledge can guide you in making informed investment decisions and achieving financial success.
Don't miss this opportunity to gain valuable insights and practical tips from a seasoned expert in real estate investing. Start your journey to financial prosperity today!
Timestamps
00:00 - Intro
08:33 - What’s Happening in Melbourne? Housing, Investing, and Market Fluctuations
11:23 - Victoria: Taxes and Returns
16:47 - Pros and Cons: Victoria’s Investment Viability
21:32 - Potential Growth in Underrated Melbourne Suburbs
26:33 - Long Term Considerations: Personal, Property, Price
31:54- Christine’s Foolproof Portfolio Strategy
About Aaron:
Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear - supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.
With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.
About Christine :
Christine Williams has transformed her single home portfolio to an equity empire. Her brainchild, Smarter Property Investing, is a step-by-step formula for property investment success based upon sturdy statistics and hard population data. Christine is also the visionary behind #FinanciallyFitFamilies, a signature approach to growing generational wealth through low-risk property investments.
On top of being a regular contributor to Australian Investor Magazine, Frontier Investor, 3AW, and ABC Life Matters, Christine educates for Bendigo Bank and has authored 3 books, dedicated to helping others create a secure financial future.
Connect with Aaron:
Visit the website: atelierwealth.com.au/
Follow the Australian Investment Property Podcast’s Official Instagram account: aupropertyinvestmentpodcast
Follow Aaron on Facebook:
aaronchristiedavid
Follow Aaron on LinkedIn:
www.linkedin.com/in/aaronchristiedavid/
Subscribe to Atelier Wealth’s UA-cam Channel:
www.youtube.com/@atelierwealth_au
Connect with Christine:
Follow Christine on LinkedIn:
www.linkedin.com/in/christinewilliamsspi
Follow Christine’s Facebook:
SmarterPropertyInvesting/
Follow Christine’s Instagram account:
smarterpropertyinvesting
Visit Christine’s website:
smarterpropertyinvesting.com.au/
Join Aaron and Christine as they dive deep into Victoria’s current property scene. Learn about the latest tax hikes, rental yields, and market trends affecting investors. Christine shares her expert strategies for navigating Melbourne's real estate market, highlighting key hotspots and growth areas.
With over 30 years of experience, Christine has seen it all and done it all. She knows what works and what doesn’t. Her wealth of knowledge can guide you in making informed investment decisions and achieving financial success.
Don't miss this opportunity to gain valuable insights and practical tips from a seasoned expert in real estate investing. Start your journey to financial prosperity today!
Timestamps
00:00 - Intro
08:33 - What’s Happening in Melbourne? Housing, Investing, and Market Fluctuations
11:23 - Victoria: Taxes and Returns
16:47 - Pros and Cons: Victoria’s Investment Viability
21:32 - Potential Growth in Underrated Melbourne Suburbs
26:33 - Long Term Considerations: Personal, Property, Price
31:54- Christine’s Foolproof Portfolio Strategy
About Aaron:
Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear - supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.
With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.
About Christine :
Christine Williams has transformed her single home portfolio to an equity empire. Her brainchild, Smarter Property Investing, is a step-by-step formula for property investment success based upon sturdy statistics and hard population data. Christine is also the visionary behind #FinanciallyFitFamilies, a signature approach to growing generational wealth through low-risk property investments.
On top of being a regular contributor to Australian Investor Magazine, Frontier Investor, 3AW, and ABC Life Matters, Christine educates for Bendigo Bank and has authored 3 books, dedicated to helping others create a secure financial future.
Connect with Aaron:
Visit the website: atelierwealth.com.au/
Follow the Australian Investment Property Podcast’s Official Instagram account: aupropertyinvestmentpodcast
Follow Aaron on Facebook:
aaronchristiedavid
Follow Aaron on LinkedIn:
www.linkedin.com/in/aaronchristiedavid/
Subscribe to Atelier Wealth’s UA-cam Channel:
www.youtube.com/@atelierwealth_au
Connect with Christine:
Follow Christine on LinkedIn:
www.linkedin.com/in/christinewilliamsspi
Follow Christine’s Facebook:
SmarterPropertyInvesting/
Follow Christine’s Instagram account:
smarterpropertyinvesting
Visit Christine’s website:
smarterpropertyinvesting.com.au/
Переглядів: 243
Відео
Should you invest in Melbourne? What is going on with property prices in Melbourne according to C...
Переглядів 912 години тому
Is it ever too late to start investing? Definitely not! Just ask Christine Williams, who, after starting over due to unexpected life events, transformed her single home portfolio into an equity empire. Join Aaron and Christine as they dive deep into Victoria’s current property scene. Learn about the latest tax hikes, rental yields, and market trends affecting investors. Christine shares her exp...
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From 0 to 10 Properties in 3 Years: How Property Investing changed his life
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I have watched your youtube channel videos your videos are very nice and awesome your youtube thumbnail is very interesting your channel subscribers There are 771 videos 667 and videos Even though you have a lot of videos, you have very few views and subscribers because your Not doing SEO optimization so having trouble increasing your video views and subscribers can I help you
Lacking financial literacy. (Because the government doesn’t want independent, wealthy citizens because they are impossible to control. And even worse, due to investments they make everyone else richer too. So it makes everyone near impossible to control. )
OZZIES DONT WORK
NO CHINESE MONEY TO HELP
Interesting perspective
No mate. It's mass immigration to tume of millions. Overcrowded asian countries are a ridiculous comparison. Australia had choices.
didn't burst yet
Nobody cares.
No
Super experienced and knowledgeable team! Definitely picked up a few gems
Thanks for your kind words Steve! Love the feedback and plenty more broker Q&As to come 👍🏽
Not an economist, feel like there is one potentially two more rate increases before we have a cut. Not all, but many of the 1/3 of mortgage free homeowners are still spending - and benefiting from high interest rates. The renters are doing it tough, however there is likely a strong minority who have given up or pushed back their home ownership dreams and will spend money to enjoy life right now. People are still spending, maybe half the population as a guess. The third of home owners with a mortgage, are likely split with a minority buying investment homes, the majority holding on, then the 20% who are near or below the poverty line. Tax cuts will also give back some disposable income, and then tax returns will also fuel some spending. My completely unqualified two cents.
I like when people have an opinion - when we're trying to predict the future, no one has a crystal ball! You're spot on though about the segment of Australians who are feeling the pain, which is the 33% with a mortgage, followed by the 33% who are renting. Tax cuts will provide a sugar hit but there are no free lunches - if we're being paid more then the government will find a way to claw these dollars back somehow and from somewhere. Time will tell!
If there is a recession, I think the floor for the property could disappear
Tell me more - I'm curious. Do you think we're heading for a recession?
@@user-th8fn5kv6i Yes. The GDP trend is on its way down. We are already in a per-capita recession, but a full blown recession has been delayed due to high immigration, gov expenditure (NDIS), but that is not sustainable. So yes, we are headed into a recession in Australia and maybe even globally. Personally I think recessions are just part of the economic cycle and we should let it happen.
@@randomstuff9322 - so many of the metrics and data are "lag" indicators and as you pointed out, we're in a per-capita recession. Definitelty worth checking out the Podcast interview I did with @AkhilPatel about the 18.6 property cycle - super interesting!
@@user-th8fn5kv6i Thanks. I'll check that out. Also it's a good idea to look at the housing market in NZ and the USA. Both are starting to cool and in some areas there are declines
Great motivation to start and learn about investment but if he would have spoken about how to do math behind buying multiple properties would have been a great help, anyway thank you and inspiring to see young gun who created a fortune for himself in so young age 👍🏼👌🏽
Appreciate the comment and feedback @virendrapavate - thanks! Sometimes people are a little hesitant to share their personal numbers and math (income and savings) - you can imagine this is quite private info. Will ask guests if they are happy to share in the future ok?
I am 53 and retired at 50. 1 thing I did do to retire early was to get out of the 401K and IRA programs. Bought rental real-estate and I am now a Limited Partner in about 3500+ units. I do not work.
I only contribute 5% to receive the full company match, and that's the extent of my participation.the 401K plan is structured to keep you working until retirement age, and fortunately, the government can't tap into it... yet!"
My wife and I live off of our 401K. We don't work. I recommend highly to everyone to build your 401K or Roth IRA's as an alternate revenue stream in retirement to your Social Security. An observation on 401K's is when it gets over 300K it starts to accelerate. When you get over 500K it can really accelerate as the stock market grows.
@Clementdan Did you completely liquidate your 401K and IRA accounts, withdrawing all the funds? If so, could you share the reasoning behind that decision? I'm curious to understand your thought process.
I gained insights into govt. actions from Monica Mary Strigle a certified wealth manager. Sh enlightened me on the benefits of long-term Treasuries nd alternative invstmnts, which the govt. doesn't publicly disclose. Recently, they've been investing in promising startups, bonds, digital currencies backed by tangible assets, nd precious metals, while manipulating stck mrkt decisions influenced by Congress and driven by recurring events nd consumer sentiment ovr the past five years.
I agree the mrkt is manipulated that’s why I never contribute above 5% I try to enjoy the ride while I invest.
Shd we have the rent from seperate properties under seperate trusts coming in to one main SMSF bank account?
Yes, that's correct. You don't set up a Bank Account for the Bare Trust, you only have your Bank Account set up in the name of the SMSF. The rental income will be paid into that SMSF Bank Account.
How can I find off market deals by myself?
You can contact agents directly to get details of the listings they have directly; there are a few websites you can check out too (I think my episode with Rob Flux he talks about these websites or he may have mentioned to me off air). My only thought here is - do you have the capacity to do this research work? If you do, then do you have the capability to spot investment grade and the competence to know which properties to shortlist and the confidence to negotiate? My 4 C's of property buying: Capacity - Capability - Competence and Confidence. Good luck!!
Richard is a great guy! Has helped me a lot
A great guy with a great story!
I dont like gambling
Great chat. Thanks team. Wise words. Well done to Kate's daughter, we really should be celebrating people like her in the community and encouraging other young ones to have a go also rather than saying it is all too hard and they will never be able to do it.
This time is different 😂😂
Hello sir are you looking for a processional UA-cam thumbnail designer and video SEO expert?
In the 3 months since this video was produced, Perth has increased 6.2% and Melbourne has gone backwards. The whole idea that “employment or economic diversity” has any role to play in the value of real estate is nonsense. There is a shortage of available homes in WA and a huge increase in demand, combined with highest incomes in the nation. This guy would tell you to avoid buying Manhattan Real Estate because everyone works in finance and there’s no “diversity”.
Appreciate your comment @jasontoheal. Spot on that Perth has been going gangbusters and Melb is in the doldrums at the moment. WA is very much undersupplied and seems to be look this way for some time. Demand is outstripping supply, with strong local incomes and high yielding properties making it attractive for investors - Perth as flagged by NAB for 20%+ growth over the next two years.
Next level smart
Well, just pay the rent.
My feelings are prices will continue dropping for another 8-9 months in Melbourne at least, -20%. We are almost half way to that already. But I also feel the recovery will be slow, depending on wages & economy, so buyers will return around end of 2025. A lot of vendors under water next year.
<<< Este es un gran video que vi sobre la verdad real en finanzas e inversiones. Gracias por sus excelentes lecciones de inversión y emprendimiento con su conocimiento de inversión. Compré mi primera casa en unos meses, con tu educación financiera. y pude construir una buena inversión adicional que me ayudó a lograr mi sueño financiero y mantener mi estado libre de deudas.>>
Sr. Stuart Michael Sigue así, estoy ganando con tus estrategias ...
Desde que me uní al servicio de corredores de Sir Stuart Michael, no solo han cambiado mis resultados, sino también mi forma de pensar sobre lo que estoy haciendo.
@Investuarstmichael👍
@Investuarstmichael👍
en telegrama
ua-cam.com/video/95WmuGaDGUE/v-deo.htmlsi=cTnScekdC9_gP2hR
Good
ua-cam.com/video/95WmuGaDGUE/v-deo.htmlsi=cTnScekdC9_gP2hR
I would love Dan’s book! What a great episode.
Hi! We would love to send you a copy of the book. Can you please email your name, address and contact number to hello@atelierwealth.com.au. with subject Dan Walsh Book. Thank you!
Politicians in the pockets of the rich!! Traitors!
Hi, very nice video
Awesome! Glad it's helpful
@@user-th8fn5kv6i Can we talk about business and UA-cam channel how to grow
I am miserable
Very interesting
Thanks @shiraniedavid
One of my little pick me ups, is looking at my property debt. Not watching it go down, but watching that debt increase. Using others peoples money to secure my families future.
The way to leveage and build a portfolio = OPM (Other People's Money)! Too many people "fear" having debt - if you have someone servicing these debts, you are now thinking and acting like an investor. Thanks for your comment!
Reading his book and loving it. I would like however to hear his opinion of how the market has changed since 2020 and if his approach has changed.
Thanks Alex - I'd say his buying principles haven't changed but you wouldn't be positively geared in this high rate environment if you were purchasing today. I'll ask Lloyd to come back on and answer this question.
"Like a giant Ponzi scheme" It is a Ponzi scheme. Wait until the US 10 year yield hits double figures by 2027. US government debt will hit $40 trillion by February 2026, and their interest on that debt is now their largest expense. The bond vigilantes are going to teach the US Fed and government a lesson they'll never forget. The belief that central bankers ultimately govern rates is a myth. Central bankers are only able to move rates in accordance with what the markets and business cycle allows. That is evident now, as central banks are stuck with stubborn inflation. Inflation is about to accelerate higher and will exceed the highs set in late 2022, thus forcing rates higher. As for supply, supply can turn on a dime, especially in market that has a excess of speculation. When prices finally turn and rates hit the teens, supply will become abundant.
AUSTRALIA IS GOING TO BECOME A SUPER POWER AFTER THEY BUY USA SUPER DUPER SUPER HI-TECH NUCLEAR SUBMARINES. THEY ARE LIKE FLYING SAUCERS.
Over inflated property that is now out of reach for many and most of those who buy are mice on a wheel for 30 years (debt enslavement). A basic life need "housing" should not be an asset. The housing inflation is one of the main reasons for todays civilizational decline. People like this guy need to rethink their existence.
Beyond proud of you. I’m in awe of you everyday
Listen to this guy
I started trading crypto this two months ago but I didn't really get far, I wouldn't mind a couple of tips on how to resume back and make better returns
Bitcoin are more suited to technical analysis, there are other ways to trade crypto exchange
Every successful trader manages their risk, it is one of, if not the most crucial elements of on goIng profttability.
The market keeps growing daily with new strategies on how we can make it work for us for long periods of time, I'm glad I finally started my invstment, can't wait to see how this all turns out
Saving your money and investing it into stock market will be the wisest thing to do, to ensure success
Totally agree,it is by far the easiest to access and does not involve physical labor.
Great insights! Love the honest share!
Nul.
Thank you. This is useful info.
Hey Aaron, I’m interested in your new book, how do I request for a copy please?
Hi @lilianchan5145! Aaron would love to send you a copy of his book. Can you email your postal address at hello@atelierwealth.com.au? Thank you!
I didn't realise you could seek out strata experts for Strata Reports. This was so insightful and definitely helped become a more prepared buyer. Thanks.
You learn something new every day! 😉 That's exactly the outcome we want - more confident and prepared buyers #missionaccomplished Glad this episode was helpful! Thanks for your feedback
Very interesting analysis and discussion, particularly with regards to what drives Perth property prices! everyone else is saying its population growth that drives demand/competition and therefore value of housing . but you are saying its employment in mining industry and therefore related to iron ore prices? Well, there is an almighty iron ore price crash coming due to slowing construction in china...........
Thanks very much for your comment @fatgim and glad you enjoyed this episode. Tell me more about the pending iron ore crash - curious to know your thoughts.
@@user-th8fn5kv6i chinese construction slowing down and will plummet in 2025 along with the commencement of first iron ore out of Simandou project ( the biggest untapped iron-ore reserve globally) which is chinese owned. low demand, high supply and competition with cheap iron ore is not a good recipe for WA iron ore
I’ve lived in Sydney for 20 years and in that time it’s gone from an affordable and lovely city to a ridiculously over priced housing and crowded shit hole.cost of living is just so bloody over the top,We can’t wait to get out ASAP.
Ive got a property under smsf which made signficant equity + 80k in smsf offset. Can i refinance to purchase another?
Hi @jem6411. You can refinance but you cannot pull out equity. Happy to have a chat if you want to workshop your situation =)
@@bernadettechristie-david1442 thanks. So really have to build up balance for deposit into another property.
When somebody says money doesn’t buy happiness, then what’s a pet dog? What are mobile devices? What are vacations?