Property Uncovered

Achieving the Australian Dream: Real Estate Growth with Bhavya Nanjundappa

Bhavya Nanjundappa's story is a testament to life's unpredictability and the merits of adaptability. Soon after securing her first home in Sydney, circumstances changed, and Bhavya relocated to Brisbane. Transforming her Sydney property into an investment, her property journey began.
 
In this episode, Sanjeev dives into Bhavya's inspiring story of growth, from initial uncertainties and learning curves to purchasing three investment properties and achieving considerable financial success.
 
Through this candid conversation, Bhavya emphasizes the importance of starting small, understanding market dynamics, and empowering oneself with financial knowledge—especially for women seeking to establish financial independence. Join us as we explore how strategic investments can yield significant value appreciation and positive cash flow. 
 
-- AUDIO TIMESTAMPS –
 
(00:00:00) Intro
(00:03:49) Bought Unit in Sydney: Transition to Investment
(00:07:23) Learning Through Mistakes: Property Sale and Loan Pay-off
(00:12:06) COVID's Impact: Hybrid Work and Regional Investment Boost
(00:14:49) Housing Market Struggles: Fear of Rising Prices
(00:18:18) Investment Properties: Positive Experiences Summary
(00:21:18) Investing: Easing Financial Stress and Family Commitments
(00:22:45) Financial Support: Entrepreneurial Transition in 2019
(00:27:50) Stick to Budget: Start, Educate, Motivate, Succeed
(00:30:58) Self-Care for Happiness, Empowerment, and Success
(00:33:14) Leveraging Bank's Money: Safe Asset Growth
(00:34:56) Outro
 
-- QUOTES --
  "We just only went through our convenience, what would work, our location, easy maintenance and that's what we want."
 
 "And the knowledge that we gained through the whole process was like, wow, why didn't we know this before? So whatever I said, the mistakes we learned, it was then that we started realizing that, oh, my God, if only I had done this way, it would have been a different story for us now."
"Don't go beyond your budget or what you can contribute to with less stress or what you're able to do. Just get started. I'm just saying, just get started."
 
"Try and diversify and think of other ways of doing it. And yeah, probably these are my top three things."
 
"I think first thing is empower yourself with that knowledge of investing."
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 

How to Use Property Investment to Secure Financial Freedom - Karthik Achyutha Rao

Karthik's life entered a new chapter in 2017 when he and his family embarked on a journey from their homeland to the vibrant shores of Australia. They settled in Sydney in 2018, navigating the challenges of renting in a competitive housing market while building their careers. Seeing friends pursue home-ownership sparked a similar aspiration in Karthik. With stable jobs and a growing family, they embraced the future.
 
Karthik's journey reflects the opportunities that come with determination and hope in a new land. Today, he's settled, focused on his career, and a devoted family man. In this episode, Karthik shares insights on property investment and the importance of automatic saving and investing for long-term returns. 
 
Whether you're a novice investor or expanding your portfolio, Karthik's story promises inspiration and practical advice. Join Sanjeev in this episode of Property Uncovered to learn how making saving and investing an automatic part of your life can have multi-fold returns.
 
 
-- AUDIO TIMESTAMPS –
(00:00) Intro
(00:56) Introducing Guest Speaker Karthik
(05:42) Property Purchase: Seizing Opportunity with Low Interest Rates
(08:00) Budgeting and Seizing Opportunities
(10:29) Family: Learning about Equity and Investments
(14:45) Shared Philosophy: Seeking Comfortable Lifestyle through Investments
(18:15): Property Investment Conversations: Finding Confidence
(21:40) Skeptical Approach to Super Money Investment
(22:22) Navigating EMI, Rent, and Investments
(24:25) Understanding Self-Managed Super and Trusts
(28:17) Overcoming Initial Doubts and Fears
(31:50) Importance of Seeking Help and Taking Action
(34:20) Confidently Pursuing New Opportunities with Financial Backing
(38:23) Inspiring Story: Passion and Capital
(41:30) Start Investing. Cultivate Good Habits. Seek Guidance.
(44:04) Efficient Set-up of SMSF Account and Trust
(46:35) Advice: Please Invest for the Future
(54:00) Outro
 
-- QUOTES --
-“We knew that the interest rates wouldn't stay at one-ish percent forever, but at that point in time, it seemed very less. So we thought, hey, why not? This is the right time to invest.”
 
-"When you're earning, when you're in the prime of your life, when you're making a decent amount of money, you want to ensure that whatever you lead a comfortable lifestyle with it, of course, not squeeze it, but at the same time also ensure that the money grows, because you never know what other expenses might come up in future."
 
-“We realized that investing through self-managed super seems much easier and safer than pulling equity from an investment property."
 
-“It's almost like entering the investment market again as a fresher from a different mindset. But all those discussions that we had with our accountant, with yourselves, with my mortgage broker, sort of clarified a lot of things in terms of it's not that bad because you set up your own trust, everything goes from the trust, and everything comes back to the trust.”
 
-“Back in Bangalore, when you want to buy something, you go look at it ten times, 15 times, look at multiple things there, and then make a decision whether you want to buy it or not.
Whereas here, you just know the address, you know, some people who have advised about it and, you know, some people are looking after it, and you are just interacting with these people on a property that you have literally virtually seen. Just a few photos and probably a video, a good 30-minute video that you had presented initially."
 
-“It's been a very satisfying experience, to be very honest. Like I said, there was one part of the fear of investing and borrowing so much from the banks because, again, the family comes from a traditional mindset of having in mind that borrowing is not good; borrowing is bad. So if you have borrowed, you repay it as soon as possible. That's the mindset that traditionally, we all come from.”
 
-“Coming here, trying to understand a different market, understanding how things work and how you can get the money to grow and still have the confidence that if something bad happens, you're always in a position to ensure that you are able to repay off whatever you're borrowed and still be comfortable. So it's a very satisfying feeling to actually have that. So all the fears have slowly gotten away.” 
 
-“The strategies that you sort of explain and put up give us the confidence that you don't have to have a huge capital to invest in the real estate market. And that's another myth that a lot of people have in their head, right? That you need to have a lot of capital to invest in the real estate market, which is not really the case.”
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 

Building Generational Wealth: Cherry Ann Brangovits's Property Journey

Cherry Ann Brangovits leads with confidence as a team leader within the accounts department of a renowned engineering firm, leveraging her skills to break new ground and drive success. However, her journey is not just about professional strides.
In this episode, Sanjeev delves into Cherry Ann’s self-taught property investment journey and discusses everything from prospecting investments to retirement and future-proofing finances.
Join us as Cherry Ann shares the strategies she and her husband, Georgie, implement to achieve their goal of finding financial freedom and building generational wealth for their family through property investment.
 
--TIMESTAMPS--
(00:00:00) Intro
(00:06:35) Navigating Fear in Real Estate Through Education
(00:10:00) Property Investment: Long-Term, Not Quick
(00:10:49) Exploring Alternative Paths Towards Achieving Generational Wealth
(00:15:39) Self-Sufficiency: Investing in Property for the Retirement
(00:17:47) Property: Less Risk, Insurance Key
(00:23:02) Embracing Success Together: Investing As a Couple
(00:27:19) Find Your People, Build Your Dream Team
(00:30:20) Investing Wisely: Focus on Data and Growth
(00:34:38) Inspired Couple Pursuing Property Investment
(00:37:26) Financial Stability: The Key to Freedom
(00:47:00) Empowering Women for Financial Freedom
(00:50:00) Outro
 
-- QUOTES --
-"I think you need to understand that investing in property is not a quick fix. It's not the thing that's going to get you rich tomorrow or get you comfortable tomorrow. You go into that knowing that the rewards of an investment property is a long term gain."
 
-"If you come across a bit of a stumbling block in front of you, don't let that be the thing that makes you go, oh, okay, we can't do it. What are the other ways that you can kind of reach your dreams, pursue your dreams, have the right team behind you to help facilitate that."
 
-"I think everyone needs to kind of sit back and go, a pension is not guaranteed. So if it's not guaranteed, can I afford the life that I want, the life that I've been accustomed to long after I finish working?"
 
-"The people who really care and who are really passionate about what they're doing, they give you more information than they probably should. They give you that information for free."
 
-"Our plan is also to grow our SMSF. Like while we've got that one property and we could easily just have that one property. And be fine. We want to be able to exceed what we've got in there and be very comfortable with our SMSF, but our passion will always be the conventional way we would be planning."
 
-"And to those who sit back and go, oh, I'll just wait till the interest rate goes down and everything, there is never the right time to get into the market. Whether the interest rate is high or low and how far your dollar will stretch does not mean that you shouldn't just jump in."
 
-"I'd love to see more women pursue this as well. And like I said, obviously I'm doing it with my partner. But for the single ladies out there who as yet haven't got a partner or are happy to be single, I'd love to say to them, see investing as being a way of getting financial freedom."
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream

Why You Shouldn’t Let Lack of Education Delay Your Property Journey - with Dinesh Chappidi

Dinesh Chappidi is an IT professional and property investor living in Sydney. After living in the country for several years and thinking about purchasing a property, he realized the lack of education was holding him back. In this episode, Sanjeev and him will dive into the challenges Dinesh faced building his first investment property, how he couples short-term action with long-term vision, or why he believes education and guidance are crucial for success in property investment. Join us as Dinesh shares his journey, from his background and settling down in Australia to his decision to enter the property market.
 
-- TIMESTAMPS --
(00:00) Intro
(00:51) Dinesh’s background
(05:40) Education in Property Investing
(08:27) Challenges in Buying His First Property
(13:44) What’s it like to Buy Interstate
(18:06) Advice for New Property Investors
(22:58) Outro
 
-- QUOTES --
- “Lack of education was the primary reason why we wouldn’t think about properties at all… I delayed my property journey because of it.”
- “Ups and downs are common… In the long term, everything settles by itself and it doesn't matter how the economic condition is.”
- “Buying a land was a pretty straightforward process. But building a house on top of it, a lot of variables changed.”
- “If you are looking to invest long-term, I don’t see a reason why you should wait.”
 
-- CONNECT WITH DINESH --
💼 LinkedIn: https://www.linkedin.com/in/dinesh-c-15600415/
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream

How I Bought 2 Properties In 4 Months As A 51-Year-Old First-Time Investor - Samantha Gillett

Samantha Gillett is a property investor from Sydney. As a 51-year-old mother of five children, plus two dogs and a full-time job, you would think of her as the typical investor. But after being inspired by a family member, she decided to start doing her own research on property investing. Not long after, she brought her husband along with the ride and together they hit the ground running, buying 2 properties in only 4 months.
In this episode of Property Uncovered, Sanjeev sits down with Samantha to discuss what it’s like to buy a property through Zoom, how to get your partner on board with your investment plan, or why it’s never too late to take action and get started on your goals.
 
-- TIMESTAMPS --
(00:00) Intro (00:50) Background (02:15) Investing In Property (08:22) Getting My Partner On Board (12:58) Acquiring Off-Market Properties (15:03) Thoughts on Interest Rates (16:48) Buying Properties Through Zoom (19:52) 3 Tips For Investors (21:47) It’s Never Too Late (25:44) Outro
 
-- QUOTES --
- “My husband and I went through school learning that having debt it's a bad thing.”
- “Now is the best time to invest because while there is high-interest rates, many people don't want to buy.”
- “I really believe that these days, with technology like Zoom, it's really irrelevant where the property is located now.”
- “We really believe the more properties we have the better off we will be when retirement comes around. It will give us more options and flexibility to do what we want to do.”
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 
 

Mastering Property Management: How To Pick The Right Property Manager As An Investor - Sam Delaney

 
Samantha Delaney is the New Business Development Manager at Harcourts Mandurah, the leading real estate agency in the Peel region in Perth.
After working in the customer service industry, Sam moved from the UK to Western Australia and joined Harcourts Mandurah in 2012 as a property manager.
In this episode of Property Uncovered, Sanjeev and Sam discuss the number of properties that a property manager can manage while still being effective, when your real estate agency should incorporate an additional hire, or how to pick the right property manager as an investor.
 
-- TIMESTAMPS --
(00:00) Intro
(00:51) Working at Harcourts Mandurah
(02:43) Background In Property Management
(04:07) Team And Roles At Harcourts Mandurah
(08:06) Incorporating A New Hire In The Team
(11:17) Insights That Helped Her In Her Role
(13:07) Choosing A Property Manager As An Investor
(19:00) How Buyer’s Agents Affect Her Work
(22:02) The State Of The Current Market In Mandurah
(24:29) Supporting People In Need
(27:26) Tips To Secure A Home As A Buyer
(29:23) Do Your Research
(33:36) Where to find Sam
(34:03) Outro
 
-- QUOTES --
- “There’s nothing worse for an owner than (not being able to) get ahold of their property manager.”
- “I’ve heard of property managers running with over 200 properties. That’s something we would never do, simply because the utmost priority for us is to deliver good customer service.”
- “Our property managers do everything from end to end. There’s never that third-party going in where the communication is lost.”
- “(Buying a house) is not a process I would ever recommend that somebody does for themselves.”
 
-- CONNECT WITH SAM --
💼 LinkedIn: https://linkedin.com/in/samantha-delaney-5232711b2
📨 Email: sam.delaney@harcourtsmandurah.com.au
📞 Phone: 0421504492
 
-- FOLLOW HARCOURTS MANDURAH --
🌐 Website: https://harcourts.net/au/office/mandurah
💼 LinkedIn: https://linkedin.com/company/harcourts-mandurah
📸 Instagram: https://instagram.com/harcourtsmandurah
🌌 Facebook: https://facebook.com/harcourts.mandurah
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 

How To Buy Property Under a Self-Managed Super Fund - Amit Aggarwal

Amit Aggarwal is a property, tax, and finance strategist based in Melbourne. Amit visits the Property Uncovered show for the third time to share his experience and get into the nitty-gritty of self-managed super funds, a special type of private super fund that offers a different way of saving for your retirement. In this episode, Sanjeev and Amit discuss the process and requirements needed to set it up, whether it is possible to live in a property purchased through SMSF, or how you can use a self-managed super fund as leverage in your property investments.
 
-- TIMESTAMPS --
(00:00) Intro
(00:51) Disclaimer
(02:26) How are SMSFs different from retail super funds?
(04:36) Buying Property Under a SMSF
(07:12) The Process Of Setting Up A SMSF
(13:22) Choosing a Lender
(18:23) Can I live in a property bought under a SMSF?
(23:46) How Does A Bare Trust Work?
(27:46) Getting Help From Experts
(29:06) The Timeline Of Setting Up A SMSF
(34:45) Going Through The Documentation
(39:53) What To Keep In Mind If You Invest Under A SMSF
(42:04) Closing thoughts
(44:02) Where to find Amit
(44:48) Outro
 
-- QUOTES --
- “With a self-managed super fund, you have to make decisions with regard to investments. You run the show, no one else does. If you don’t invest, that money will sit in a bank account doing nothing.”
- “Lots of people don’t recognize super as their own money. They think it’s something they will get control over when they retire, but how you manage this journey will determine what happens at the time of retirement.”
- “Forget about everything you knew about buying a property. Because what you know is not even one-third of what you’ll end up doing in a self-managed super fund. Be ready for unknown territory because it’s extensive.”
- “The first step of the process would be to understand whether you should do it or not. That’s where you need to talk with your financial planner and get an understanding.”
 
--- CONNECT WITH AMIT ---
🌐 Website: https://amitaggarwal.com.au
📞 Book a call: https://amitaggarwal.com.au/booking/
📸 Instagram: https://instagram.com/life.beyondnumbers
🌌 Facebook: https://facebook.com/LifeBeyondNumbersAA
 
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 
 

Plant That Oak Tree: Paying off a $400K Mortgage in 5 Years and Becoming Debt-Free - Despina Karatzias

Despina Karatzias is an entrepreneur, marketing expert, and curious human being with a passion for igniting excellence in people. Coming from Greece to Melbourne at the age of 9, it didn’t take long for her to develop a burning desire for traveling the world. After trying social work, she decided to pursue a career in tourism and support small business owners with their digital marketing strategy, a path where she found true alignment and passion. Despina joins Property Uncovered today to discuss her experience in property investing and how they managed to pay off a 400K mortgage in less than five years. Tune in to today’s episode to discover how reading The Barefoot Investor by Scott Pape changed Despina’s perception, her conviction of the importance of educating your children about personal finances, and her thoughts on SMSF, or as she describes, «one of the world’s best-kept secrets in investing».
 
-- TIMESTAMPS --
(00:00) Intro
(00:51) Despina’s background
(05:24) Humble Beginnings and Travel as a Child
(10:16) Finding Alignment with a Career in Tourism
(13:38) Buying her First Property at 22
(17:22) Insights from The Barefoot Investor
(20:05) Bringing the Kids on board with Finances
(23:17) Buying Her 2nd and 3rd Property
(28:51) The Decision to Pay Off their Mortgage Aggressively
(31:27) Why not Upgrade to a Bigger House?
(34:06) Recommendations for Buyers
(37:31) Mortgage Created Heaviness
(39:08) Investing for Retirement
(43:22) The Best Time to Plant an Oak Tree
(48:17) Despina’s Top Travelling Experiences
(52:07) Final Words
(54:18) Outro
 
-- QUOTES --
- “We’ve traveled over the last six years not owing a cent after we come back from a holiday. Everything we do we save for.”
- “Every time we would hit a milestone of the mortgage going down we would share it with the kids and do something special to celebrate.”
- “Banks don’t want the mortgages paid off.”
- “I feel like I’ve come from just sitting at the back of the bus cruising along without knowing where we were going to now driving my own bus and finding empowerment.”
 
-- CONNECT WITH DESPINA --
🌐 Website: https://despinakaratzias.com
💼 LinkedIn: https://linkedin.com/in/despinakaratzias
🐦 Twitter: https://twitter.com/desikaratzias
🌌 Facebook: https://facebook.com/DespinaKaratzias
 
-- CONNECT WITH SANJEEV --
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream
 

Buying One Property A Year As An Immigrant In Australia - Swadish Aaryan

Swadish Aaryan is a senior test manager and a property investor. Just 12 months after immigrating to Australia, Swadish and his family purchased their first property in Sydney and now own three properties with a fourth one in the works. In this episode of Property Uncovered, Sanjeev sits down with Swadish to discuss the importance of diversifying your property investment portfolio, the difference between good and bad debt, or why you should set up an emergency fund. Tune in to also discover the challenges Swadish faced when buying his first investment property, self-education as a strategy to reduce fear, or why building a team of property experts is pivotal to your success as an real estate investor.
 
-- TIMESTAMPS --
(00:00) Intro
(00:50) Background
(02:37) Purchasing A Property Within 12 Months of Arrival
(06:27) Buying An Owner-Occupier Property in Australia
(08:20) Diversifying Your Investment In Properties Interstate
(13:50) Good Debt vs. Bad Debt
(15:38) Self-Education As A Resource To Counter Fear
(21:15) Swadish’s Challenges in his Investment Journey
(25:58) Building A Team and Setting an Emergency Fund
(29:28) Buying One Investment Property Per Year
(32:01) Itineraries Redefined and Love for Travelling
(36:00) Final Words for Up-And-Coming Investors
(38:04) Where to find Swadish
(38:37) Outro
 
-- QUOTES --
- “When it comes to buying an owner-occupier property you have to put on a different hat than when buying an investment property.”
- “One of the key elements in our property investment strategy is that we’d like to diversify our property purchases. Rather than putting all of the eggs in the same basket, we want to go to different states and different suburbs making sure we get multidimensional growth for each of the properties.”
- “One of the criteria that we requested the buyer’s agent is that (our property) shouldn’t just be an investment property but it can be our home in the future as well.”
- “If you have too many properties in one state you end up paying land tax for no reason.”
 
-- CONNECT WITH SWADISH --
 
🌐 Website: https://itinerariesredefined.com
💼 LinkedIn: https://linkedin.com/in/swadishaaryan
🐦 Twitter: https://twitter.com/ItinerariesR
📸 Instagram: https://instagram.com/itinerariesredefined
🌌 Facebook: https://facebook.com/ItinerariesRedefined
 
-- CONNECT WITH SANJEEV --
 
💼 LinkedIn: https://linkedin.com/in/sahsanjeev
 
-- FOLLOW INVESTORS DREAM --
 
👉 Website: https://investorsdream.com.au
📞 Book a call: https://investorsdream.com.au/bookcall
📸 Instagram: https://instagram.com/investorsdreambuyersagent
🌌 Facebook: https://facebook.com/investorzdream

Transcend the market limitations and build sustainable wealth - Amit Aggarwal

Amit Aggarwal is an accountant, mortgage broker, and property investor. Based in Melbourne, Amit has purchased three properties in the last 12 months, creating wealth for himself and his family. In this podcast conversation of Property Uncovered, he chats with Sanjeev about the key role of education when investing in property, why he decided to keep his property investments under different names, or how to ignore the short-term noise.
 
Timestamps:
 
(01:10) Our guest, Amit Aggarwal serial investor and property expert joins the conversation to discuss inflation and its rising opportunities.
(03:49) What has Australia been exporting and how it positively impacted the balance trade.
(06:10) Mining and Farming are the main sectors making the most amount of money.
(07:01) How to maintain the sustainability of this newly acquired growth.
(09:10) Economic projections for Australia’s future.
(10:05) inflation, interest rates, and the property market.
(12:30) The way to contain this inflation and eventually drop it.
(14:00) The history of Australia’s interest rates and how things may unfold further down the road.
(17:00) What can we do to build better buffers in terms of income streams.
(20:00) How to properly negotiate your interest rate when your assets grow in value.
(23:20) Interest-only loans as an alternative to normal loans with principal.
(25:55) How does refinancing for a longer term operates?
(28:57) The importance of having extra buffer in our savings when purchasing property.
(31:00) The critical importance of financial awareness in portfolio management.
(32:40) A word of advice from Amit to anyone scared of current interest rates.
(35:20) Amit provides an example of good negotiation of interest rates.
(36:50) The cyclic nature of interest rates and how we should embrace it with strategy.
(38:50) The reality of negative news and how they affect our assessment of the market.
(40:00) Get educated, believe in the journey, and keep pushing for your financial goals.
(42:30) Final advice from Amit to investers.
(43:00) The best way to reach out to our guest Amit.
 
 
Quotes:
 
“The media focuses on bad news rather than good news…They haven’t been talking about balance of trade, which is net of import and export…In 2022, the net of trade is 134 billion dollars. We have exported goods less than Imports. If we go back 4 years earlier it was only 15 billion dollars.”
 
“In terms of growth sustainability The war has pushed nations and corporations to look for alternative sources of energy and trade. Once new channels are set up, I don’t believe they will go away completely. Some of this growth will be sustained and some will go.”
 
“Inflation has been tied big time with interest rates rising from 1.1 to 3.1% in less than 3 months.”
 
“The change upward in price for a same unit of item is what we call Inflation. The demand is more because the supply wasn’t able to meet first demand and the next demand comes along. The supply is disrupted.”
 
“One thing you need to be aware of is making sure your interest rates are aligned with market rates. Lenders negotiate their rates.”
 
“Any property you own that you think went up in value you should call your lender and reevaluate your LVR to drop down your interest rate.”
 
“The key is to understand where you are right now, what actions you should take to mitigate a change in your situation.”
 
“All we are talking about is managing the uncertainty in the equation…We always need to do a health check on our portfolio and see what can be done to enhance it.”
 
“A lot of people are ready to go into market and buy property, but because of all the rumors and all the noise, they are sitting aside and waiting for this uncertainty to go.”
 
“Get educated, and learn how to decode how much of news is real and how much is just noise. Once you get educated, you don’t care anymore what the media says.”
 
40:31 to 41:01 “It’s a journey. People say I bought a property full stop when it’s not the case. It’s an ongoing journey. If you’re looking to build your wealth then you need to keep going with it.”
 
 
-- CONNECT WITH AMID --
🌐 Website: https://amitaggarwal.com.au 
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