In this episode of Talking Property Debbie talks to Martin Castilla of Smartline Personal Mortgage Advisors.

In this timely interview Martin shares a wealth of information on how to navigate a loan application. A must listen for anyone planning to purchase a property in the current climate.

Show length: 32:43

To download the MP3 right click on this link and choose “Save Target As…”.

Here’s a short bio:

After twelve years of mortgage lending experience as well as personal experience in buying, renovating and selling properties, Martin enjoys sharing that knowledge. For eight years he’s been a guest lecturer in investment property financing at TafeSA, UniSA and NSW’s The Property School.

You can read more about Martin here.

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Show 011 – How to Navigate a Loan Application

In this episode of Talking Property Wayne McDonald shares the 3 keys to sharpening your mind for success in property investing.

Wayne offers some great insights on motivation and how to overcome the barriers that stop property investors from achieving their goals.

And stay tuned until the end for an exclusive offer from Wayne to Talking Property listeners.

Show length: 23:16

Here is Wayne’s bio:

Wayne McDonald is a rare speaker with the ability to connect with audiences and compel people to take action. Wayne brings to his presentations 25 years International experience as a high energy speaker and coach.

His primary aim is to lead, teach and inspire people to live an extraordinary life and to help them build an extraordinary business. Whether exploring how to unlock human potential or revealing his formula for business success, his down-to-earth and entertaining style ensures that participants really ‘get’ his compelling message and take action as a result.

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Show 010 – 3 Keys to Sharpening Your Mind for Success in Property Investing

In this episode of Talking Property, Debbie Williams talks to private lender Peter Anderson.

In a fascinating interview Peter takes us into the world of private lending, covering the following:

• The typical interest rates a private lender might offer.
• How a private lender evaluates a potential loan.
• Why an investor might consider using private lender funds – and what are the advantages of doing so.
• The place of private lending in the current economic environment.

Private lending is not a topic that is regularly discussed – and I guarantee you’ll get a lot of thought provoking insights from the information Peter shares.

Show length: 18:55

Here’s a short bio from Peter:

Well I guess I am just a regular person with a reasonable understanding of the real estate industry and finance. I sort of just fell into lending money some years ago with a friend needing some cash in a hurry which I was able to provide.

Over the last five years or so I have tried to develop a “system” to make the process as safe, easy and painless for both “the borrowers” and myself the “lender”.

It has provided me with an income which gives me the ability to free up more time to do things I want to do!

If you have any comments or questions please post them below.

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Show 009 – Switching onto Private Lending with Peter Anderson

In this episode of Talking Property, Debbie talks to Charyn Youngson from Houses to Impress.

In this info-packed interview Charyn describes 10 cost effective ways to increase your rental yields.

Show length: 35:54

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Here’s Charyn’s bio:

• Charyn Youngson is a full-time Real Estate Investor and Property Renovator widely recognized as a leader in the South Australian Property Investing and House Presentation industry.
• She started renovating her first derelict house in early 2005 with a small budget and a 5 week turnaround resulting in $30,000 profit. Her company, Houses to Impress, now specialises in transforming run down houses into stunning homes that sell quickly – and more importantly – for top dollar.
• Charyn’s book “Sacked to Successful” tells how she changed her life from being an unemployed office worker to a very successful property investor. Charyn also teaches the course “Renovating for Profit” at WEA.
• Charyn also provides Project Management of any renovations/makeovers and can source the most cost effective products along with a team of professional and reliable tradespeople.
• She is a single mum with two teenagers.
• She is currently in the process of finishing her soon to be released book Sold For Top Dollar – How to Sell your house faster for more.
• Her website is www.housestoimpress.com.au

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Show 008 – Ten Cost Effective Ways to Increase Your Rental Yields

In this episode of Talking Property, Debbie interviews Mark Armstrong from Property Planning Australia.

In the interview Mark details the steps required to build a balanced property portfolio. Mark and Debbie discuss:

• What is a balanced property portfolio and why it is crucial to securing your financial future
• How long does it really take to build a balanced property portfolio?
• The various types of property investment strategy and how to select the right strategy for your circumstances
• What to look for – and what to avoid – when investing in property overseas
• The characteristics of commercial property investment and some traps to avoid

Mark’s interview runs at about 15 minutes and he shares some very valuable information.

Show length: 14:31

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Here is Mark’s bio: Mark is a Director of Property Planning Australia, a company which develops property and financial planning strategies for local, interstate and overseas clients. He is also a director of The Property School providing university endorsed property education. A CPA and member of the Real Estate Institute of Victoria, Mark is a prominent and respected commentator on property issues, with a regular ‘Property Planner’ column in the Sunday Age, and appearances in The Age, Sydney Morning Herald, Australian Property Investor magazine and Your Mortgage magazine. He has also recently co-authored a book – Property for Life: Using real estate to plan your future.

If you have a comment or question for Debbie or Mark then please post it below.

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Show 007 – Steps to Building a Balanced Property Portfolio with Mark Armstrong

In this episode of Talking Property, Debbie interviews “The Property Professor” Peter Koulizos. Peter explains what makes a suburb good for property investment.

In the interview Peter shares a lot of great tips and insights on how to find the right property in the right suburb to maximise your investment returns.

The interview lasts just under 15 minutes and is crammed full of actionable information.

Show length: 14:31

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Here is Peter’s bio:

Peter is currently the National Coordinator of the Property and Share Investment courses at TafeSA, Gold Coast TAFE and The Property School in Sydney. He also teaches in the Property degree program at the University of South Australia. He holds a teaching degree, Graduate Diploma in Property and Masters of Business (Property). He has been teaching in real estate and investment for over ten years. Peter also personally invests in property.

Peter has the ability to combine the theory of property investment with the practical aspects so as to teach people how to make money for themselves from investing in property, whether they be buying, selling, renting, renovating or developing property.

Peter also researches property markets around the nation, looking for the best suburbs to invest in each capital city. He has recently published a book titled “The Property Professor’s Top Australian Suburbs”.

If you have a comment or question for Debbie or Peter then please post it below.

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Show 006 – What Makes a Good Suburb with Peter Koulizos

In this episode of Talking Property, Debbie interviews Will Staughton, active property investor and owner of Fast Homes based in South Australia.

Debbie asked Will the questions on every property investor’s lips – When to buy? When to hold? And when to sell?

The interview lasts about 20 minutes and Will was extremely generous with the information he shared about his approach to property investment and his forecast for the Australian property market.

Show length: 20:09

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In the interview Will explains:

• Where the property market will go in 2009 and beyond.
• The advantage of “keeping it local” when looking for investment opportunities.
• Small or large suburbs – which is better and why?
• Will’s 3 key exit strategies and how he implements them.

If you have a comment or question for Debbie or Will then please post it below and we will do our best to answer it.

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Show 005 – When to Buy, When to Hold and When to Sell with Will Staughton

We’ve got something a little bit different in store for Show 004 of the Talking Property Podcast.

We’ve had a bunch of requests from listeners for more information on Debbie Williams – particularly how Debbie got started in property investing, and what investment strategies she’s had most success with.

To answer some of these questions, in this show we’ll be playing an excerpt from a property investment teleseminar Debbie was featured in recently. In the teleseminar Angelo Piazzetta of The Property School asked Debbie about her background and her journey in property investment.

This is a short podcast show – and is well worth the time as Debbie’s story is truly inspirational.

Show length: 6:05

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If you’d like to listen to the rest of this information packed 45 minute Renovate for Profit teleseminar, you can do so by signing up to our free Talking Property Newsletter.

Enter your name and email address in the form on this page and you’ll get an instant access to the full mp3 and transcript.

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Show 004 – From Piano Teacher to Property Investor

In this episode of Talking Property, Debbie interviews Sally Couper, author of the book Real Estate Adventures.

In this fun and interesting interview Debbie and Sally discuss property investment strategies, the state of the current market, as well as some of Sally’s best investment stories!

Show length: 20:09

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Here’s Sally’s bio:

“My investment strategy is varied…. changes as I progress. I guess the bottom line is that my investment strategy is to make lots of money and get out of the rat race, which I have pretty much achieved!

Alex and I have an interest in about 60 deals – some of them are joint ventures and they are spread over 3 countries.

I started just over 9 years ago.

I read Rich Dad Poor Dad and discovered positive cash flow property. I went and bought one!! I was 50 and had almost no assets and wanted to become wealthy. Then I discovered it was a lot of fun!!

I guess negative geared properties have been a challenge. However I have actually made most of my money from capital gains NOT positive gearing and this changed my strategy over the years. I think you have to be fluid with your strategies as what works in an upmarket may not work in a down market. These days we buy newish good quality real estate but I actually made a heap of money in my early years by buying ‘little old houses’ that went up enormously in value.

The capital growth I got on the trust houses in Elizabeth and Port Augusta was a very pleasant surprise!!

Yes I sell property. Many reasons… Have not sold anything for a while as it is not a good market to sell in and my present portfolio is working well. We have, however, sold probably about 40 properties on top of the 60 we still have. I sold when I bought the property specifically to renovate and flip for income. I also sold in little towns that I had made good capital gain on and the market went flat and I wanted the money to buy in the city. Sometimes the renovations were so big that needed doing that I decided to sell and buy something with less work and more profit!! I have done a lot of renovating and loved it but I am ‘over’ that now!!

I have certainly not stopped investing. This is a SUPERB time to buy in my opinion. We currently have 5 mortgages we are applying for in Christchurch NZ and Queensland and Adelaide. The ‘economic downturn’ has been a help in some ways as the mortgage interest rates are down, saving us thousands of dollars per month. It also means there are great bargains out there. We are at the bottom of the real estate cycle and that is where we were when I started 9 years ago. Historically real estate goes up 8-10% pa and has done for over 2000 years. I do not think this is likely to change now. So buying at the bottom of the market is the best time to buy!!!”

Visit Sally Couper’s website to find out more about Sally and her book Real Estate Adventures.

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Show 003 – Real Estate Adventures with Sally Couper

In this Talking Property podcast show Debbie talks with Rachel Barnes about the three VIPs of property investing – and how applying these principles can take your property investing to the next level.

Rachel Barnes is a recognised expert in property investment. She has co-authored three books, been featured on A Current Affair and Today Tonight, and has regularly contributed articles for Australian Property Investor magazine and other magazines.

Show length: 15:18

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Rachel is a member of Property Women providing independent education, information, inspiration and association for women involved in property.

Here’s Rachel’s bio:

Rachel and her partner John Fowler embarked on developing a property portfolio in 2000. They had no idea when starting out how successful they were going to be and what an inspiration they have ended up to many of hundreds of people in Australia and overseas. Within 64 months they bought 75 rental properties and they currently still hold 70 of them across Australia and New Zealand.

Their partnership in property has given them both the opportunity to leave the paid workforce, and have a comfortable lifestyle, which would be envied by many!

In the past 18 months they’ve been to the United States once and to a number of Greek islands three times while looking for more property. Rather than just going on holidays though, they go to buy resorts and blocks of units. Not only that but Rachel has managed to fit in all this overseas travel and continue her busy schedule speaking nationally for Property Women in Australia and more recently also in New Zealand.

To find out more about Rachel visit her website at www.rachelbarnes.com.au

In the podcast Rachel mentioned a special home study CD series – find out more about the product here: http://propertywomen.com/products/29/

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Show 002 – Rachel Barnes on the Three VIPs of Property Investing

In this episode of Talking Property, Debbie interviews Mariana Disanto from Financial Prospects. In the interview Debbie and Mariana discuss changing and growing with the property market.

Show length: 25:46

Here’s a snippet of Mariana’s inspiring personal story:

“From humble beginnings as a school girl attending a private school where many of my school friends families didn’t seem to have financial problems due to the ownership of property, I made a decision that this is what I would also like to do for myself.

I worked every week end and every day of the holidays in retail from the age of 12 and saved a good deposit to purchase our first home just one month before being married at the age of 20. Determined to pay off our house and move forward with further properties, we used a line of credit to purchase our first investment property and another owner occupied home so that we could rent out our first house.

Our first investment property was an old shop that we ran and then leased out to no avail until we reached a decision to clear the block and build two townhouses and keep as investment properties also. We used the growing equity in these properties to continue the growth of our portfolio.

Juggling a family and properties, working outside the home for long hours with little income seemed crazy. Obtaining and having lenders and our then mortgage brokers struggling to accept our vision of wanting many, many more properties was making growing harder.

As always, enjoying the challenge of numbers and lenders thought it would suit perfectly to get into the minds of the banks, so I thought being licensed to do my own finance and that of others made sense. My goal was always to not be the typical broker but a strategist to help those get ahead who wanted to help themselves but struggled to find the lenders understanding to make good of their life, especially those who, as myself, didn’t necessarily have a lot to start with but did have a lot of motivation and determination!!

A number of properties in hand, the prospect of growing businesses seems inevitable. A must to increase the cash flow to continue to grow the property portfolio new strategies are always good. If new ways are not learned and accepted, the old go stale in time. At the moment the current market is a test for us all but I cannot give up my initial dream and will hold on to what I have achieved to work smarter, not harder. . . . .”

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Show 001 – Changing and Growing with the Property Market

In this show we are replaying an interview Debbie Williams did recently with Kevin Turner from the Real Estate Talk show.

In the interview Kevin and Debbie discuss how a property coach can help you to take your property investing to the next level.

Make sure you head over to the Real Estate Talk website for more great interview mp3s, articles and other free information.

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Real Estate Talk Interview Replay