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How To Buy UNLIMITED Properties! Serviceability / Borrowing Capacity HACK 2023 🐱‍💻 

Australian Property Mastery with PK Gupta
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Are you struggling with Borrowing Capacity? 😣
You want to buy more investment properties but the banks won't loan you more money? 😫
Well EXCITING NEWS! 🗝️
Here's the key to obtaining finance WITHOUT it affecting your serviceability 🤯
99.9% Property Investing don't know this strategy and get stuck after just a few properties.
No lies. You really can buy unlimited residential properties and increase your borrowing power every time that you do 🏠🏠🏠🏠🏠🏠
But wait, is this too good to be true? 🤔
Let's find out!
0:00 - Introduction
1:05 - How to increase your borrowing capacity?
5:57 - Banking legislation can change overnight
7:49 - How to save yourself from a change in borrowing capacity?
13:40 - Who is this high-risk strategy suited to?
15:39 - How to stop the House of cards effect?
20:51 - Do you really need to buy that blue chip property?
25:44 - How did Jeremy increase his income?
30:03 - How to approach the concept of having Buffers?
32:03 - Jeremy’s advice on changing interest rates.
36:43 - Conclusion
LEARN MORE 👇
💡 I Help People Achieve PASSIVE INCOME Through Property Investing Using Our Unique Data-Driven System, So You Can Confidently Buy Top 5% Growth & Cashflow Property, WITHOUT Wasting Months Doing "Research", Spending Weekends At Inspections OR Dropping $15k On Buyers Agents Each Time 👉 consultingbypk.com.au
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DISCLAIMER: No Legal, Financial & Taxation Advice
The Listener, Reader or Viewer acknowledges and agrees that:
• Any information provided by us is provided as general information and for general information purposes only;
• We have not taken the Listener, Reader or Viewers personal and financial circumstances into account when providing information;
• We must not and have not provided legal, financial or taxation advice to the Listener, Reader or Viewer;
• The information provided must be verified by the Listener, Reader or Viewer prior to the Listener, Reader or Viewer acting or relying on the information by an independent professional advisor including a legal, financial, taxation advisor and the Listener, Reader or Viewers accountant;
• The information may not be suitable or applicable to the Listener, Reader or Viewer's individual circumstances;
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and we are not authorised to provide financial services to the Listener, Reader or Viewer, and we have not provided financial services to the Listener, Reader or Viewer.
#PropertyInvestment #PassiveIncome #Australia #RealEstate

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13 июл 2024

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Комментарии : 115   
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
❤ JOIN THE COMMUNITY & GET FREE SUBURB TIPS + STRATEGIES 💡 Private Facebook Group With Over 40,000 Clients & Investors 👉 facebook.com/groups/passiveincomethroughproperty 💡 Top Ranked No "BS" Podcast On Spotify/ iTunes/ Google 👉 consultingbypk.com.au/podcast/
@digitalnomad87
@digitalnomad87 Год назад
Another great video :) Thanks for that PK. So if I understood it correctly, i can buy 5 positively geared properties under 5 trusts i am member of? So when I buy a property worth 500k under new trust, trust has no income before buying property, on what basis bank will release a loan for 500k and on what LVR? And eventually initial deposit would come from a member of the trust and not trust itself?
@adrianplayer-propertyinvest
Love this! Not suited for everyone. But yes trusts aided with the right accountant is another great avenue! Jeremy is my personal accountant as well!
@jamesgillson1628
@jamesgillson1628 Год назад
Super insightful, thanks PK and Jeremy.
@jamesm6341
@jamesm6341 Год назад
Pk I was listening your podcast, I fell asleep and woke up with 10 properties in my head. 😅
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Hahaha
@michaelrobinsrobinson7934
@michaelrobinsrobinson7934 Год назад
😁😁😁🥰
@GunsG57
@GunsG57 9 месяцев назад
Which episode? I’m keen to replicate this strategy!!
@djekna
@djekna 7 месяцев назад
Probably your best video so far. Lots of insights.
@AustralianPropertyTalkRedom
Enjoyed this PK - Jeremy is a whizz! So impressed listening to him. My thoughts having seen this over the years too: the strategy doesn’t work all that well if one has accumulated in personal names first. In this rate environment it generally soaks up servicing capacity, which is required to implement this approach. I.e. you can’t buy 5 properties personally, get stuck on borrowing capacity and then begin this approach. When applying for the loan for the 6th property in the new entity, they’ll take into account your personal position, which shows 5 properties in personal names and lots of debt. I.e. it can force a personal deleverage to begin utilising this approach. Jeremy touches on the right investing strategies to implement this plan, generally active strategies not long term buy and holds. Your questions were brilliant too PK, great work educating in an informative real way and outlining risks to approach.
@fmj7mm
@fmj7mm Год назад
As always Redom your thoughtful comments add significant value to any post or video
@pinkyng
@pinkyng 4 месяца назад
Excellent ! Last tips from Jeremy for the investors was awesome advices 👍👏
@sudhirmantha6339
@sudhirmantha6339 Год назад
Very insightful conversations. thank you PK for sharing :)
@aparvkishnov4595
@aparvkishnov4595 7 месяцев назад
Good interview. Good questions asked PK.
@Misstruthbomb
@Misstruthbomb Год назад
Thank you. Great interview and information for the time given. Helpful and well rounded information including some cautious comments. Great to hear about buffers, possible policy changes, some historical perspectives and wisdom and the sensible recommendation about buffers, strategically buying and moreover strategically selling. Key info we need though to do our property maths(!) Is the interest rate on such loans (and who from) or differential to standard resi products given rates are different every month this video is watched, and what LVR is possible (not that we would likely use a high one given the interest burden would be too high versus the net rent)? And, what else do we need to know about what you can or cannot do with such loans eg purpose and refinancing? Can you do a compare and contrast of normal resi loans to trust loans to smsf loans? This would really useful. Thank you again.ù
@skhabib754
@skhabib754 Год назад
Hi PK I have watched a lot of videos on property. Definitely Jeremy’s advise is the best and make sense. Good on him! And thank you for inviting him.
@gunning87
@gunning87 Год назад
Good content there Pete. Would love to hear more about breaking barriers and beliefs of asking for more during your conversations. I find it very interesting by using specific words like "because", have shifted the conversation for a greater outcome. Looking forward to listening to more of your stories.
@Persistentdreamer91
@Persistentdreamer91 Год назад
YES! PK & Co., you have no idea how much value your providing your viewers. Total game changer for me and my husband as we’re almost tapped out 🙌🏻
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
I’m glad! But be careful of the pitfalls!
@Persistentdreamer91
@Persistentdreamer91 Год назад
@@AusPropertyMasteryWithPK would be good to understand your lending strategy after your first 5 properties. Understanding when you bought may have different rules and considerations to the present day.
@Balanced--
@Balanced-- Год назад
A great insight on property investing. Appreciate it.
@duanestace6303
@duanestace6303 Год назад
Thank you, very informative
@Alex-bl7cf
@Alex-bl7cf Год назад
This is truly valuable stuff that every investor needs to grasp to move forward. Well played gentlemen.
@smb7576
@smb7576 Год назад
excellent interview. very educational. whether it is applicable or not it is amazing to have this knowledge. i had discussion with my accountant recently and he has no knowledge or experience with these types of structures. i will be reaching out to these guys soon.
@financeok5964
@financeok5964 9 месяцев назад
Great options, I always work on P and I repayments from day one, you can still have it positive just need to find the correct property.
@shanefinch7776
@shanefinch7776 Год назад
Another great video thank you
@buzzisonline2895
@buzzisonline2895 2 месяца назад
Brilliant episode!!!
@bencanty8771
@bencanty8771 Год назад
Hey PK. That was a amazing. Love to hear more. Thank you.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Thank you!
@kennynguyen2460
@kennynguyen2460 Год назад
Great interview, I've got lots of values out of it ❤.
@fredsalfa
@fredsalfa Год назад
Thanks some good strategy tips there like the buffers
@ojd3708
@ojd3708 9 месяцев назад
The best property advise I have heard till this date, wow
@sharmilarijal5547
@sharmilarijal5547 Год назад
Extremely valuable content 👏
@bhalindersingh6712
@bhalindersingh6712 Год назад
Very insightful discussion PK. Answered so many of my questions. Loved it mate..
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Thanks brother
@dilipkonar6089
@dilipkonar6089 Год назад
yes, Great value added discussion. I would love to have more content on this. Especially the cost of maintaining the trust, when to exit/dissolve the trust and the tax implication etc.
@RobMorris-wn8ez
@RobMorris-wn8ez 5 месяцев назад
Speak to your accountant, it will vary depending on local in my experience. Noone of this advice is anything new for a good accountant
@petebeat1510
@petebeat1510 Год назад
This was a great video mate
@RobMorris-wn8ez
@RobMorris-wn8ez 5 месяцев назад
Glad he mentioned the important considerations RE land tax and accounting fees.. no land tax free threshold for a trust and accounting fees for each trust may deem accessing extra finance less economical
@haywirekwek
@haywirekwek Год назад
Yes. More of Jeremy please
@theycallmebruce3811
@theycallmebruce3811 Год назад
This guy is on the money , very very intelligent .... As a property investor of 25 years now , I think we are in a totally different financial cycle , one of which could destroy generational wealth, I am very cautious moving forward and I think patients will pay, I believe the winners moving forward will be the ones who have no debt or very minimal debt....
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Burn inflation erodes debt, and eroded cash in the bank. Which do you want to be eroded?
@OzJustin
@OzJustin Год назад
Really great insight to topical questions. Thanks PK and Jeremy.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Glad you enjoyed it!
@ve5394
@ve5394 Год назад
Yes fantastic contents 😊
@PP-iw5vv
@PP-iw5vv Год назад
Hi, What do you think about rent to buy? Advice please 🙏
@sshz44
@sshz44 Год назад
Yes ! Great content PK. This was something I was waiting for so long. If my plan is to acquire 4-5 properties and I know my borrowing will be maxed out after 1st or say 2nd property, then why not start with the legal entity structure from day 1 ? I felt that during the video you had your reservations on this lending structure. Thanks PK.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Yes I asked this exact question in the episode ! Yeah tread carefully
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
@@sshz44 the mortgage brokers I give you cover everything .. lending changes monthly
@RobMorris-wn8ez
@RobMorris-wn8ez 5 месяцев назад
Interesting, however accounting professional bodies have warned against issuing such accountants letters
@user-zu3sd1rf7h
@user-zu3sd1rf7h 2 месяца назад
Yes
@pawool
@pawool Год назад
Brilliant info thanks!!
@TheBlueskyson
@TheBlueskyson 8 месяцев назад
Yes! ty
@pinkyng
@pinkyng 4 месяца назад
Yes! Please invite Jeremy back on your show PK 🙏
@awaken3202
@awaken3202 Год назад
So much value in this video
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Cheers!
@cozyrainsounds2639
@cozyrainsounds2639 5 месяцев назад
Wont each trust which have considerable accounting fees etc negate the positive geared properties ? Best to keep it in 1 trust and be mindful on the properties you buy
@TenderTums
@TenderTums 11 месяцев назад
YES!
@stickle1727
@stickle1727 Год назад
Interesting...
@rich9748
@rich9748 10 месяцев назад
Any rough costs to set up a trust? I understand it is about $2-3k. Thanks!
@MasterKwonDont
@MasterKwonDont 3 месяца назад
I am curious about the trust meeting its own obligations. If it is formed for the sole purpose of purchasing the asset is it correct to assume that they (banks) are assessing its ability to meet its obligations solely from the income derived from the asset purchased? If this is the case how is the deposit entered into the trust? Wouldn't a deposit come in the form of a loan from a director or beneficiary (an initial cash injection)
@pratikpatil6865
@pratikpatil6865 Год назад
Great content PK and thanks Jeremy. You did not mention anything about how can you extract any income from the trusts? Also is there a right time to exit the trust?
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Good points for next time
@gozieumeh9641
@gozieumeh9641 Год назад
Great value! Know your numbers!
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Cheers, Jeremy is great
@clarence1br
@clarence1br 9 месяцев назад
Can you give insight to which lenders? The brokers I have checked have come back with nothing
@simplywisetech
@simplywisetech 6 дней назад
Australia's dangerous obsession with property !!
@someguy4260
@someguy4260 27 дней назад
Very good informative session. PK i noted your other guest that discussed Trusts this year recommended setting up the Trusts right from the beginning of the investment journey to preserve your borrowing capacity because it gets very messy and expensive to change later on. What is your view on this for beginner investors? Is it better to get your first couple of properties in your individual names and leave trusts for sophisticated investors??
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 27 дней назад
Yes I think if you’re gonna do it best to do it from the start.. but of course everyone’s risk appetite is different
@Ddihy
@Ddihy Год назад
Definitely stuck with finance 😢
@ashley19873
@ashley19873 Месяц назад
Is there a recommended limit to how many properties can go into 1 x trust prior to establishing multiple trusts?
@stephencarruthers9506
@stephencarruthers9506 7 месяцев назад
Why would you put each positive geared property into an individual trusts. If there positively geared put numerous properties in the one trust keep fees down and will allow you borrow more money for additional property. The banks will still want financials of the director/s
@vnation7174
@vnation7174 Год назад
nice video!!! what are the banks doing this type of loans?
@Rekke_yt
@Rekke_yt Год назад
Westpac, and a couple others I think, very select few that may change their policies and have you stuck in the future
@catalogofhappiness
@catalogofhappiness Год назад
Yes please PK.
@gcg2927
@gcg2927 Год назад
You still need equity, these days a corporation seems like a better vehicle for repayment of the property There’s also the overhead of the trust or company which gets added to your cost It’s very easy to over complicated a structure They still need personal guarantees
@RobMorris-wn8ez
@RobMorris-wn8ez 5 месяцев назад
No CGT discount via a property, wouldn't suggest holding growth assets in a company structure, only high yield at the very best
@kamaterobbo444
@kamaterobbo444 Год назад
Yes. Jeremy is great. Does he have a channel PK? Thanks
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
I don’t believe so, could be wrong.. google?
@MikeDao-bv6vr
@MikeDao-bv6vr 9 месяцев назад
Does it have to be a trust? Can it be a company?
@isaacdawson6552
@isaacdawson6552 Год назад
What about purchasing in companies rather than trusts? Trusts seem to attract a hefty land tax, whereas companies seem to have the larger threshold.
@catalogofhappiness
@catalogofhappiness Год назад
Biggest disadvantage is no 50% CGT discount. Land tax will be more economical in a longer run.
@Blezster
@Blezster Год назад
YES! I bought my second in a trust. I didn’t realise it needed to be positive cash flow - why is that?
@catalogofhappiness
@catalogofhappiness Год назад
Your bank will consider it a liability and deduct it from your income if it's -vely geared. As a result, your borrowing will be reduced. The idea is to get a letter from accountant that it is self sufficient and not a liability on you, Thus, keeping your borriwing capacity unchanged. The property must be +vly geared to get that letter.
@rbleegrip
@rbleegrip 3 месяца назад
PK, I’m interested in doing your course , how do I do this please , I have finance and everything in place , already have 2 properties, and I know what I’m looking for, but I don’t know where to source this data cheers , love your shows Rick
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 3 месяца назад
Hi Rick, please see the website here: consultingbypk.com.au/ All the info is there. Feel free to email me any q’s info@consultingbypk.com
@user-zy5ue7ki9y
@user-zy5ue7ki9y 3 месяца назад
If I set up a Trust or a Company and the Structure does not have any Income , in that case how will the Bank assess the serviceability for loan purposes?
@user-zy5ue7ki9y
@user-zy5ue7ki9y Месяц назад
Any takers?
@dylanmunday8305
@dylanmunday8305 8 месяцев назад
What the benefit of interest only, over P&I?
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK 8 месяцев назад
A whole different video on it, pls search it
@meretsegar7130
@meretsegar7130 Год назад
Can you have a trust if you don't have a family to be trustees?
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Yes! A unit trust
@MrGeddes85
@MrGeddes85 Год назад
short of having 40% deposit, how do u guys find a property thats positive cash flow from the get go? i personally would love to hear a deep dive into that?
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
It’s harder now.. 20% deposit.. plus 7+ percent yield .. that’s my bugbear with this strategy
@catalogofhappiness
@catalogofhappiness Год назад
@@AusPropertyMasteryWithPK Hi Pk, with current interest rate and other costs, It's probably 70% LVR now :(
@williamcrossan9333
@williamcrossan9333 Год назад
Well, almost immediately, we see that a trust would need a house close to 8% gross yield to work. And that's going to be hard to find, without going Nathan Birch style.
@AusPropertyMasteryWithPK
@AusPropertyMasteryWithPK Год назад
Not untrue. And that style is laden with risk
@mrsurryhills2165
@mrsurryhills2165 Год назад
What is the Nathan Birch Style? 😂
@williamcrossan9333
@williamcrossan9333 Год назад
@@mrsurryhills2165 Basically someone who used to buy distressed regional property, often vandalized or half burnt down, do it up cheap and quick, and rent it out at perhaps 10% plus purchase price. He's controversial. I think he's still banned from the Somersoft (Now property chat) forum.
@williamcrossan9333
@williamcrossan9333 Год назад
@@mrsurryhills2165 He's an interesting character. Check out his RU-vid.
@Misstruthbomb
@Misstruthbomb Год назад
Depends what the interest rate is and how much cash equity you can throw into the deal (including stamp duty etc) to bring down your weighted average cost of capital to be below your net rent.
@LauraMoyaLocalMortgageBroker
@LauraMoyaLocalMortgageBroker 6 месяцев назад
Im in Victoria and felt the “not friendly to investors” in my soul 😂😂
@zentriffid
@zentriffid 8 месяцев назад
Not really a hack is it. You still need to provide evidence of income and rental income is assessed differently by the banks.
@theCCT101
@theCCT101 Год назад
000000😊
@mosesdaniel7045
@mosesdaniel7045 2 месяца назад
Yes
@mitalin1
@mitalin1 26 дней назад
Yes
@apple08z
@apple08z Год назад
Yes
@whatthefrimp
@whatthefrimp Год назад
Yes
@MrVibinjoseph1
@MrVibinjoseph1 10 месяцев назад
Yes
@jaspaltanki
@jaspaltanki 9 месяцев назад
Yes
@ugochukwunwachukwu2656
@ugochukwunwachukwu2656 8 месяцев назад
Yes
@calebgordon7038
@calebgordon7038 8 месяцев назад
Yes
@user-fj6sm6ve2l
@user-fj6sm6ve2l 9 месяцев назад
Yes
@naveenasiri7158
@naveenasiri7158 3 месяца назад
Yes
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