Podcasts about lvr

The Adviser Podcast Network

Play Episode Listen Later Aug 11, 2026 24:03

Interest-only or principal and interest? The choice could affect your repayments, borrowing power, and ability to buy your next property, with the "right" loan depending on the strategy behind your portfolio. On The Property Nerds podcast, Arjun Paliwal from InvestorKit and Jack Fouracre from Fouracre Financial tackle one of the biggest finance decisions facing property investors: interest-only or principal and interest? The pair compare the two types of loans, looking beyond the headline interest rate to the impact each option can have on cash flow, debt reduction, and portfolio growth. They also examine borrowing capacity, including why some lenders treat interest-only debt differently and how the right loan structure could potentially give investors more room to acquire additional properties. The conversation then turns to loan-to-value ratio (LVR), refinancing, and equity, including situations where paying down debt faster can strengthen an investor's position and when preserving cash flow may make more strategic sense. Paliwal and Fouracre also explore the longer-term impact of inflation on debt and why investors need to consider their broader portfolio strategy rather than automatically choosing one loan structure over the other.

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What's Making Headlines – Could unlinked offset accounts be costing your clients thousands?

Play Episode Listen Later Jul 31, 2026 43:45

Are major banks failing to link offset accounts, leaving thousands of home loan borrowers out of pocket without even knowing it? Join host Annie Kane, commercial content writer Ben Squires, and senior journalist Charlie Tchetchenian as they review the news of the week. This week, they discuss: Widespread failures uncovered by ASIC across major lenders' mortgage offset accounts. Westpac reversing its cash rate hike forecast following cooler-than-expected CPI data. Pepper Money raising its maximum LVR to 98 per cent alongside AMP's launch of a 40-year investor loan. And much more! News stories mentioned: Banks slammed over offset failures in ASIC probe https://www.theadviser.com.au/compliance/48733-banks-slammed-over-offset-failures-in-asic-probe New lender joins Help to Buy scheme https://www.theadviser.com.au/lender/48720-new-lender-joins-help-to-buy-scheme Productivity Commission calls for overhaul of housing rules https://www.theadviser.com.au/borrower/48730-productivity-commission-calls-for-overhaul-of-housing-rules Westpac scraps double hike call as CPI drops https://www.theadviser.com.au/borrower/48736-westpac-scraps-double-hike-call-as-cpi-drops Lending emerges as leading source of Banking Code breaches https://www.theadviser.com.au/lender/48715-lending-emerges-as-leading-source-of-banking-code-breaches Pepper unveils sweeping expansion of lending parameters https://www.theadviser.com.au/lender/48726-pepper-unveils-sweeping-expansion-of-lending-parameters Bluestone flags major trends reshaping borrowers and credit https://www.theadviser.com.au/lender/48729-bluestone-flags-major-trends-reshaping-borrowers-and-credit 40-year investor loan with 10 years of IO launches https://www.theadviser.com.au/growth/48739-40-year-investor-loan-with-10-years-of-io-launches Qudos Bank brand to be retired in 2027 https://www.theadviser.com.au/lender/48724-qudos-bank-brand-to-be-retired-in-2027

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399- Byford Suburb Spotlight ft. Sean Dunn

The Perth Property Show

Play Episode Listen Later Jul 19, 2026 22:55

Host Trent Fleskens speaks with Byford agent Sean Dunn about why Byford is a “canary in the coal mine” as Perth's market shifts from aggressive growth to a more defensive phase. They discuss Byford's new train station and expanding amenities (Coles, Woolworths, Aldi, cafes) alongside its mix of older large rural-residential blocks and newer estates. Against rising Perth listings, fewer transactions, and longer days on market, Dunn describes a sharp slowdown in Byford: home opens falling from 10–15 groups to 1–3, fewer multiple offers, and harder negotiations as sellers cling to last year's expectations. He cites a recent 4x2 dropping from $860k to high-$700k offers, driven by reduced investor urgency after the budget and interest-rate sensitivity among high-LVR buyers. Dunn expects Byford's median to move from about $850k to around $800k over 12 months.

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The First Home Buyer Record and the Geopolitical Rate Threat

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Play Episode Listen Later Jul 13, 2026 38:18

Send us a question/idea/opinion direct via text message!First-home buyers are occupying a larger share of the New Zealand property market than at any point in the last two decades.This week on the New Zealand Property Market Podcast, Head of Research Nick Goodall and Chief Economist Kelvin Davidson dive into the June Buyer Classification data to complete a full wrap of the second quarter. The numbers reveal that first-home buyers secured a record-breaking 28.3% market share across Q2, capitalising on lower house prices, KiwiSaver access, and high-LVR bank lending allowances.Meanwhile, the landscape for investors is fracturing. While small-scale "mum and dad" buyers holding two properties are steady, large-scale investors owning ten or more properties saw their market activity fall in Q2 down to 2.3%. We break down the combination of high bank serviceability testing, debt-to-income (DTI) restrictions, flat rents, and growing election anxieties regarding interest deductibility that are driving this retreat.The guys also look at the sudden breakdown of the Iran-US peace deal and the re-closing of the Strait of Hormuz, analysing how renewed global supply chain uncertainty impacts the path toward the next Official Cash Rate review on September 2nd.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

The Macro Equity Illusion and the Breaking of the Two-Year Lending Streak

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Play Episode Listen Later Jun 29, 2026 32:01

Send us a question/idea/opinion direct via text message!The underlying data is flashing clear warning signs of economic consolidation. This week on the New Zealand Property Market Podcast, Head of Research Nick Goodall and Chief Economist Kelvin Davidson dissect the latest New Zealand Activity Index (NZAC) and the Reserve Bank's weekly updated Kiwi GDP Nowcast. The metrics reveal a stark economic slowdown in Q2, dropping bank expectations for a July Official Cash Rate (OCR) increase into a decisive holding pattern as major institutions pull back their forecast increases.The structural highlight of the week centres on the newly released Reserve Bank mortgage lending data for May. For the first time in two solid years, year-on-year lending growth has ground to an absolute halt, printing a flat $8.6 billion line. We look past the national figures to uncover the real structural landscape: a massive $1.67 trillion asset baseline backed by just $398 billion in total debt. While an aggregate LVR of 24% suggests immense national stability, we expose the distribution trap masking the reality that one-third of New Zealand households carry 100% of the entire country's mortgage debt burden.This week we discuss:The GDP Proxy Pivot: Why the Reserve Bank's dynamic, weekly updated Kiwi GDP Nowcast is eclipsing the traditional NZAC index as a truer indicator of a flatlining Q2 economy.The Lending Streak Snapped: Dissecting May's flat $8.6 billion lending print and what it means for forward real estate velocity.The 24% Equity Illusion: Why a $1.67 trillion asset class hides the severe debt concentration weighing exclusively on the mortgaged third of the population.First-Home Buyer Domination: The raw deal metrics proving first-time buyers are actively expanding transaction volumes while movers collapse by 11%.The Landlord Tax Premium: How evolving political rhetoric from Labour and the Green Party regarding interest deductibility is shifting the long-term investor baseline.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

NZ Property Podcast EP 149: Mark interviews Kris Pederson, founder of KPM

The New Zealand Property Podcast

Play Episode Listen Later Jun 25, 2026 39:23

Mark interviewed regular guest Kris Pedersen back on 26 February 2026. They discuss all things finance for Property Investors and home buyers. A very informative conversation about a special deal with LVR's interest rates, difference between normal banks and 2nd tier lenders, and tips for first home buyers Kris is an exceptional source of info on money and lending in NZ. Mark Honeybone - Real Estate in Epsom | Harcourts Property Ventures If you want to chat with Mark please get in touch at: mark.honeybone@harcourts.co.nz or 021 402 990

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JT the Brick Officially Welcomes Everyone to the Sports Cycle's "Dead Zone"

KRLV JT The Brick

Play Episode Listen Later Jun 16, 2026 93:38

Hr 1 Seg 1: JT opens the show with a monologue, wishing Coach Tortorella well with the VGK and diving into the Summer of Kirk Cousins for the LVR. Seg 2: Alex Eschelman of KTNV Channel 13 joins JT the Brick to discuss the Golden Knights moving on from Coach Tortorella. She also shares her thoughts and takeaways from attending the UFC 250 Freedom Card live in Washington, D.C., along with one key thing she's learned about Kirk Cousins so far this offseason. Seg 3: Vegas oddsmaker Jeff Sherman joins JT to break down the latest movement in sports betting markets from around the sports world. Hr 2 Seg 1: JT opens hour two with Ty Butler of ESPN New York and SNY to talk about the Knicks' legendary postseason run, culminating in an NBA championship. JT then takes a couple of calls from New York fans. Seg 2: jT welcomes Michael Breed of PGA Tour Radio on SiriusXM to preview the U.S. Open, set to tee off this weekend. Breed discusses the challenges surrounding the event, including the weather, before sharing his thoughts on where Scottie Scheffler could finish as he chases the career Grand Slam. Seg 3: JT wraps up the show by sharing his thoughts on why so many boxers end up going broke.See omnystudio.com/listener for privacy information.

The Government Just Killed Property Investing. Here's your Answer

Australian Property Talk

Play Episode Listen Later Jun 8, 2026 19:50

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S3 EP3 | Why Most Property Investors Run Out of Borrowing Power with Ben Robinson

The Lazy Equity Podcast

Play Episode Listen Later May 27, 2026 50:49

He ran 600 head of cattle on a 2.5 million acre station in the Northern Territory.Raced yachts across the Atlantic. Trained as an accountant.Then built one of Australia's most sophisticated mortgage broking operations.This is not a typical finance episode. Ben Robinson, Director of Flint Group, sits down with Darren to talk about what most investors never think about until it is too late and what the smartest property portfolios are doing differently right now. What we get into: The unicorn client - 9 properties, all personal name, 55% LVR, no ugly ducklings. Why he is almost impossible to replicate and what most investors do wrong trying to get there. The SMSF strategy that actually works and the one that does not. When to go residential, when to go commercial, and the fund balance you need before either makes sense. Ben gives the exact numbers. Why your accountant and your broker need to be in the same conversation before EOFY and what happens when they are not. The lending landscape right now. Banks are tightening. DTI limits are biting. Pre-approvals are being revised. What that means for investors who are active or about to be. How Ben has built a 22-person team across Australia and Nepal using AI to handle what used to take three people two days and what tool he is using to do it. The business model most brokers are running that leaves investors exposed and what a well-structured brokerage actually looks like on the inside. This one is worth the full listen.If you have ever wondered whether your broker is actually ahead of your portfolio or just reacting to it, this episode answers that question. Connect with Us: Instagram: @tiapropertybuyers Website: https://tiaproperty.com.au/ General information only. Not financial or lending advice. Always seek advice based on your individual circumstance.See omnystudio.com/listener for privacy information.

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The Buyer Is the Boss: Navigating the Property Recalibration

Property Apprentice Podcast

Play Episode Listen Later May 22, 2026 18:11 Transcription Available

Send Us A Message! Let us know what you think.The power dynamic in the property market has officially shifted. Are you prepared for a landscape where the buyer finally dictates terms? In this week's review, Debbie Roberts (Financial Adviser and Owner at Property Apprentice) cuts through the alarming headlines to dissect a market undergoing a healthy recalibration. We dive deep into new data showing national rents dropping nearly $30 below their peak, a massive rebound in building consents, and the hidden $100 million mortgage war being waged behind closed bank doors. If you're waiting on the sidelines out of general market jitters, you might be missing a once-in-a-decade window of opportunity to build a long-term foundation for wealth. Inside this episode, we break down:

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SUPERFLEX Dynasty Rookie Mock Draft | 3 Rounds Post-NFL Draft (2026 Fantasy Football)

The In-Between Fantasy Football Podcast

Play Episode Listen Later May 7, 2026 83:03

Save your roster with our three-round, post-NFL Draft superflex dynasty rookie mock draft for 2026 fantasy football leagues! Is taking Los Angeles Rams QB Ty Simpson worth ending relationships over? Has Denver Broncos RB Jonah Coleman re-joined the first-round conversation? Plus, can Buffalo Bills WR Skyler Bell live up to his potential in Western New York? Seth, Eric & Steve help managers whether rebuilding or contending on a new episode of the podcast! ⏰ Time Stamps: 00:00:00 Introduction 00:05:28 Front & Center: 2026 Rookie Mock Draft 00:06:12 1.01: Fernando Mendoza (QB – LV) 00:07:15 1.02: Jeremiyah Love (RB – ARI) 00:08:49 1.03: Carnell Tate (WR – TEN) 00:12:22 1.04: Jordyn Tyson (WR – NO) 00:13:33 1.05: Makai Lemon (WR – PHI) 00:15:59 1.06: Jadarian Price (RB – SEA) 00:17:54 1.07: Ty Simpson (QB – LAR) 00:20:02 1.08: Kenyon Sadiq (TE – NYJ) 00:22:10 1.09: KC Concepcion (WR – CLE) 00:24:58 1.10: Eli Stowers (TE – PHI) 00:26:11 1.11: Jonah Coleman (RB – DEN) 00:30:04 1.12: Antonio Williams (WR – WAS) 00:32:27 2.01: Omar Cooper Jr. (WR – NYJ) 00:35:11 2.02: Nicholas Singleton (RB – TEN) 00:37:40 2.03: Denzel Boston (WR – CLE) 00:39:44 2.04: De'Zhaun Stribling (WR – SF) 00:41:10 2.05: Chris Bell: (WR – MIA) 00:42:40 2.06: Carson Beck (QB – ARI) 00:44:54 2.07: Germie Bernard (WR – PIT) 00:46:14 2.08: Elijah Sarratt (WR – BAL) 00:48:50 2.09: Malachi Fields (WR – NYG) 00:51:14 2.10: Chris Brazzell II (WR – CAR) 00:52:29 2.11: Ted Hurst (WR – TAM) 00:55:04 2.12: Emmett Johnson (RB – KC) 00:58:40 IBT Football Family Promo 00:59:57 3.01: Skyler Bell (WR – BUF) 01:04:14 3.02: Kaytron Allen (RB – WAS) 01:05:27 3.03: Ja'Kobi Lane (WR – BAL) 01:07:05 3.04: Zachariah Branch (WR – ATL) 01:08:37 3.05: Bryce Lance (WR – NO) 01:10:00 3.06: Mike Washington (RB – LVR) 01:11:13 3.07: Eli Heidenreich (RB – PIT) 01:12:44 3.08: Taylen Green (QB – CLE) 01:14:51 3.09: Drew Allar (QB – PIT) 01:17:13 3.10: Brenen Thompson (WR – LAC) 01:18:12 3.11: Kaelon Black (RB – SF) 01:20:17 3.12: Adam Randall (RB – BAL) 01:21:37 Plugs + Outro

FHBs are still dominant - launching the latest Cotality-Westpac Report

The In-Between Fantasy Football Podcast

Play Episode Listen Later May 7, 2026 18:38

Send us a question/idea/opinion direct via text message!The Cotality-Westpac First Home Buyer Report May 2026In this special guest episode Kelvin Davidson is joined by Satish Ranchhod from the Westpac Economics team to discuss the latest co-branded First Home Buyer Report.They cover off the Iran conflict, the implications for NZ's economy, inflation, and interest rates, then what it might all mean for first home buyers.Lately FHBs have remained a dominant force in the property market, accounting for high shares of transactions, and also getting 'more house for their money' - supported by a soft market, plenty of listings, and low deposit lending allowances at the banks.Indeed, Westpac's own data shows that the average LVR has recently gone above 80%, while the average FHB age has dipped a little.Ultimately, it's a continued good news story - and FHBs still have reason for optimism in the coming months too.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

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2026 NFL Draft Fantasy Football WINNERS & LOSERS | Risers & Fallers Reaction

Play Episode Listen Later Apr 29, 2026 69:01

Get a bead on the latest fantasy football risers & fallers coming out of a wild weekend in Pittsburgh with our 2026 NFL Draft fantasy football winners & losers! Will Seattle Seahawks RB Jadarian Price be worth the cost in redraft? Can Tennessee Titans WR Carnell Tate flirt with top-24 production as a rookie? Plus, can New York Jets TE Kenyon Sadiq overcome competition from TE Mason Taylor? Seth, Eric & Steve adjust their redraft rankings heading into May on a new episode of the podcast! ⏰ Time Stamps: 00:00:00 Introduction 00:05:18 Headline Hijinks: 2026 NFL Draft Fantasy Football Winners & Losers 00:05:37 Winners: Carnell Tate (WR – TEN) & Nicholas Singleton (RB – TEN) 00:11:11 Winner: Jadarian Price (RB – SEA) 00:14:11 Winner: De'Zhaun Stribling (WR – SF) 00:20:48 Winner: Skyler Bell (WR – BUF) 00:23:48 Winners: 2027 NFL Draft Class 00:28:18 Winner: Jack Bech (WR – LVR) 00:34:57 Winner: Chase Brown (RB – CIN) 00:37:59 Winner: Geno Smith (QB – NYJ) 00:42:01 Winner: Chuba Hubbard (RB – CAR) 00:45:21 IBT Football Family Promo 00:46:30 Losers: Ja’Kobi Lane (WR – BAL) & Elijah Sarratt (WR – BAL) 00:49:06 Loser: Fernando Mendoza (QB – LVR) 00:55:36 Loser: Kenyon Sadiq (TE – NYJ) 00:57:14 Loser: RJ Harvey (RB – DEN) 00:59:40 Loser: Ashton Jeanty (RB – LVR) 01:02:56 Losers: Arizona Cardinals Running Backs 01:07:59 Plugs + Outro

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CPI Q1: The ho-hum 3.1% and a rural roundup

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Play Episode Listen Later Apr 28, 2026 39:05

Send us a question/idea/opinion direct via text message!The Q1 2026 CPI data is finally in, landing at a ho-hum 3.1%. While it's technically above the target band, the market has already moved on to the next big question: exactly when will the RBNZ hold its nerve no longer and lift the OCR?This week, Nick Goodall and Kelvin Davidson break down the inflation stats and why July vs September is the current 50/50 bet for the first rate hike. We also dive into the latest Chart Pack data showing a soggy 4% year-on-year drop in sales volumes for the quarter, and respond to a listener request for a dedicated rural property market roundup.This week we discuss:Q1 CPI data: Why 3.1% was exactly what the market expected and why the calm before the storm remains the theme for the beginning of 2026.OCR timing: July or September? We look at the data gaps facing the Monetary Policy Committee in their upcoming meetings.Soggy sales volumes: Breaking down the 4% quarterly decline in transactions and what it says about buyer/seller capitulation.Lending rule speculation: Could the RBNZ use LVR or DTI settings as a relief valve while the OCR stays high?Rural roundup: A deep dive into agricultural debt, input costs vs output prices, and why farm sales might actually be looking up.Te Kaha stadium: Kelvin reports back from the opening Super Round at Christchurch's new world-class venue.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

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Inside Australia's shrinking affordable housing market

Mortgage Business Uncut

Play Episode Listen Later Apr 28, 2026 31:58

Affordable homes are moving faster, buyers are crowding into the same price brackets, and the pressure on entry-level property is only building. Julian Barnes is joined by Finni brokers Costa Arvanitopoulos and Robert Lee to unpack the growing squeeze at the lower end of the market, as first home buyers, investors, and rate-conscious borrowers all compete for a shrinking pool of stock sitting beneath the 5 per cent Deposit Scheme caps. From there, the trio dive into APRA's latest high-LVR lending figures, the rise of rentvesting among Gen Z borrowers, and the changing ways younger Australians are approaching property ownership as both a lifestyle and wealth-building decision. The discussion also turns to ASIC's finfluencer crackdown, the role social media and AI now play in shaping borrower expectations, and why major lenders are tightening trust lending as policy risk continues to rise.

Mythos KultRuhr - Woran künftig erinnern?

WDR 3 Forum

Play Episode Listen Later Apr 10, 2026 54:53

Zeche Zollverein stellte 1986 die Kohleförderung ein. Die größte Bergbaustadt Europas büßte eine Identität ein und erschuf eine neue: Von der der Industriegeschichte zur Industriekultur. Dazu zählt die Gründung des Ruhrlandmuseums, Vorläufer des heutigen Ruhr Museums. Nach vierzehn Jahren als dessen prägender Direktor verlässt Theo Grütter das Haus. Grund zu fragen, was war, was ist der Mythos KultRuhr? Ist die Industriekultur "am Ende"? Von Michael Köhler.

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EP 166- The Property Journey That Proves Strategy Beats Timing

Investing Insights with Right Property Group

Play Episode Listen Later Mar 20, 2026 45:25

In this episode, Victor Kumar sits down with Uday Shivamurthy- a former IT Solutions Architect who arrived in Australia as a student with zero investing knowledge. Fast forward 13 years, and Uday is managing a powerhouse 11-property portfolio with a staggering 27% LVR. We strip back the "overnight success" myth to reveal the real-world grit of property investing in 2026. You'll learn: -The "Holy Trinity": Why your success depends on the synergy between your Strategist, Accountant, and Broker (and why Victor calls himself the "godhead" of the fourth edge). -The Chrysler Tour: How a single day in Campbelltown set a decade-long strategy in motion. -Strategic Consolidation: Why "slowing down" is often the most aggressive move you can make for long-term wealth. -The Sleep-at-Night Factor: Knowing when to sell an asset to protect your peace of mind. From navigating strata nightmares to building high-yield granny flats, this is a masterclass in building a legacy through property.

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In Focus: How Bankwest is innovating the broker experience

The Adviser Podcast Network

Play Episode Listen Later Mar 18, 2026 33:59

As Bankwest pivots to a digital-first model, the lender is doubling down on its commitment to the third-party channel with a clear goal: to become the number one bank for brokers in Australia. In this episode of In Focus, host Annie Kane is joined by Grant Roden, executive manager of operations in home buying distribution at Bankwest. They explore how the bank's digital transformation is reshaping its identity, and why human-led relationships - supported by BDMs and credit quality managers - remain at the heart of its strategy. Tune in to learn: The "Four Ps" strategy: How Bankwest is leveraging People, Process, Policy, and Price to aim for the top spot in the broker market. Tech-driven efficiency: How tools like DocBox and the revamped Broker Portal are simplifying complex applications and speeding up the home-buying journey. Niche policy strengths: Why the bank's approach to self-employed borrowers, high-LVR investor loans, and digital offset accounts is driving its recent market share growth. And much more!

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SMSFs explained: How investors are using super to maximise their portfolio

The Mike Hosking Breakfast

Play Episode Listen Later Mar 16, 2026 26:15

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with Rob Le and Eva Loisance from Finni Mortgages to explore the growing role of self-managed super funds (SMSFs) in property investment. The discussion opens on the current lending landscape, with debt-to-income (DTI) ratios potentially limiting borrowing, though Le notes the property market remains active as investors pursue pre-approvals via SMSFs, personal names, or trusts. Loisance explains the mechanics of SMSF lending, including serviceability and liquidity tests that require a portion of the loan to remain in liquid assets post-settlement, though some lenders are more flexible. The trio highlights key SMSF lenders, including Granite, BMM, AMP, RedZed, and Firstmac, noting their differing criteria and levels of conservatism. Loisance and Le emphasise the importance of understanding serviceability versus DTI ratios to maximise borrowing potential. They advise consulting financial planners and accountants to navigate contributions, liquidity requirements, and regulatory rules effectively. Finally, while SMSFs offer a way to continue property investment and strategies like leasing commercial properties back to a business, professional guidance is essential to manage higher interest rates, loan-to-value (LVR) ratio limits, and compliance considerations. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

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Mike's Minute: We have good news on housing

Play Episode Listen Later Mar 13, 2026 2:03 Transcription Available

We have good news on housing. 1) It's still a buyers' market. 2) A good chunk of the buyers are first timers. It's the debate we should at least acknowledge has been, for now, partially solved. Not long back we were where Australia currently is; young people couldn't afford a house and, with plenty of emotion, it was suggested they never would. That wasn't actually factually true then and it most certainly isn't now. What is helping is two things: 1) The slow rise of prices as we move out of the recessions and into recovery. The capacity for the wider economy to grow without major house price increases is actually a good debate, or question, but one for another day. 2) Lending. There is a lot of it for first timers. Money attached to small deposits is booming. The reason that is happening is because the Reserve Bank loosened the debt-to-income rules as well as the LVR's. So, with less than 20% you can get into a home. Australia has a better system. The Government backs some people into homes with 5%. It's income related and in Australia there is an attached argument around price increases, given they aren't building houses and immigration is booming. But here we don't have those problems, sadly. But of the two problems young people face (one being the deposit and the other being the price of a house and therefore the mortgage) it's the deposit that is the biggest hurdle. 20% of $800,000 grand is $160,000. Saving that sort of money is ruinous to dreams, so the sooner we get past that as a hurdle the better. A mortgage can be managed. But what is most important about all of this is the indisputable truth that housing is a Kiwi dream, if not an obsession. A house is a retirement plan and the arguments around putting your money elsewhere and spreading the basket falls largely, rightly or wrongly, on deaf ears. If I had my way 5% would be the key, 10% max. If young people have been locked out of housing, it's not the price that's been the killer, it's been the deposit. The Reserve Bank rules have been, yet again, another of their mistakes. These news stats are hopefully partial rectification. See omnystudio.com/listener for privacy information.

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The January lending reset & the record-breaking FHB

Play Episode Listen Later Mar 1, 2026 30:46

Send us a question/idea/opinion direct via text message!January's lending data has landed, and while the crazy peak of December has passed, the underlying numbers reveal a market that is far from quiet. In this week's Monday morning yarn, Head of Research Nick Goodall and Chief Economist Kelvin Davidson dive into a return to normality for New Zealand lending. After the bank-switching surge of late 2025, January's figures show a billion-dollar increase over the previous year, signaling a resilient start to 2026. But the real story isn't just the volume - it's who is taking the debt and how they are structuring it. This week, Nick and Kelvin break down:The LVR Appetite Shift: Why first-home buyers are increasingly comfortable operating outside the 20% deposit norm, with a record 57% of FHB loans now done at low-deposit levels. Investor Re-engagement: A look at the tick-up in low-deposit investor lending (now at 3%) and what this tells us about the willingness of investors to increase debt despite high holding costs. The Repricing Strategy: Why 30% of all existing mortgage debt is now fixed for at least 12 months - the highest level in years - as borrowers position themselves for a rising interest rate environment. Non-Performing Loans: The surprising data on pockets of trouble (or the lack thereof) and why mortgagee sales haven't spiked despite the economic climate. Woman and Property Report 2026: A deep dive into the Knowledge Gap, where 16% of women report not knowing where to start in property - triple the rate of their male counterparts.Generational Sustainability: Why Gen Z is leading the charge on energy upgrades and the financial hurdles that remain for older homeowners. Why This Matters for YouUnderstanding the January Reset is critical for anyone planning their 2026 property moves. As the market shifts away from the December chaos, we are seeing the emergence of a new normal where first-home buyers have the ascendancy and investors are cautiously testing the limits of loosened LVR speed limits. Whether you are navigating the serviceability trap or looking for a window of opportunity in the current flat-patch, this episode provides the research-led perspective you won't find in the headlines.Links mentioned in the show:Latest Chart PackSpecial IWD Guest Episode: Featuring Nicole Ferguson, National Director for Loan Market NZ. Woman and Property Report 2026Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.

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Property market shift: How 95% loans can change the game

Property Apprentice Podcast

Play Episode Listen Later Feb 26, 2026 29:33

In this episode of The Smart Property Investment Show, host Phil Tarrant speaks with Eva Loisance, principal at Finni Mortgages, about the pivotal role finance plays in property investment. They explore the resurgence of 95 per cent lending, highlighting how major banks like Westpac are reintroducing high loan-to-value ratio (LVR) options after a period of restraint. Tarrant emphasises that successful property investment relies on strategic financial planning, understanding lending policies, and staying alert to market changes. Loisance explains that while January was quiet, February brought a wave of new policies, with 95 per cent lending offering lower deposit requirements and faster market entry. She also warns that high LVR borrowing carries risks such as negative equity, making it essential to invest in growth areas and align loans with long-term strategies. The discussion covers competitive interest rates, pre-approvals, and the importance of factoring in lenders mortgage insurance when considering high LVR loans. For investors, 95 per cent lending presents both opportunities and challenges, requiring careful planning and professional advice to maximise benefits. Overall, the episode highlights how staying informed and leveraging the right financial tools can help investors navigate the evolving property market successfully. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

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The contradiction shaping Australia's investor market

Mortgage Business Uncut

Play Episode Listen Later Feb 24, 2026 24:32

In this episode of Broker Daily Uncut, host Alex Whitlock is joined by Eva Loisance and Costa Arvanitopoulos to examine the apparent contradiction shaping Australia's property market: expectations of further rate rises alongside renewed lender confidence and resilient buyer demand. With auction clearance rates holding firm across several capital cities and investor activity broadening, including younger entrants leveraging buyer's agents and family pledge structures, the trio explore why the market continues to defy traditional economic signals. The discussion highlights the return of 95 per cent LVR lending for investors, shifting fixed-rate pricing, and what these moves reveal about bank risk appetite. The episode also delves into mounting concerns around rental appraisal accuracy, the accountability gap between brokers and buyer's agents, and lenders' tightening controls on income verification and servicing buffers. Rounding out the conversation is renewed competition in the SMSF lending space, with AMP's re-entry signalling cautious, but growing institutional confidence in long-term property fundamentals.

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Borrowing to Invest

Talk Money To Me

Play Episode Listen Later Feb 19, 2026 23:23

In this episode of Talk Money To Me, Candice Bourke and Felicity Thomas unpack one of the most misunderstood wealth strategies in Australia borrowing to invest through margin lending.Many Australians are comfortable using debt to build wealth through property, but far fewer understand how leverage can be used in a diversified global portfolio. When structured correctly, margin lending can accelerate long-term wealth. However, when used poorly, it can magnify risk and volatility.In this episode, we break down the strategy in a simple and practical way, including real client scenarios and the key considerations sophisticated investors need to understand.We cover:✔️ What margin lending is and how it works✔️ Loan-to-value ratios (LVR) and how lenders assess risk✔️ What actually happens in a margin call✔️ Why diversification and investment selection matter more than leverage✔️ A 10-year real-world scenario leveraging the S&P 500, including realistic Australian borrowing costs✔️ Behavioural mistakes investors make during market volatility✔️ Margin lending versus property gearing✔️ Who this strategy may be suitable for – and who should avoid itThis episode is designed for high-income professionals, long-term investors and anyone looking to build wealth through disciplined, strategic investing.

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Economists Welcome RBNZ's Careful LVR Changes | Will It Boost NZ Property Investment?

Play Episode Listen Later Oct 31, 2025 15:45

Send Us A Message! Let us know what you think.Topic #1: RNZ 15th of October- Consider tax breaks for KiwiSaver, international report sayTopic #2: NZ Financial Adviser 16th of October - Economists welcome RBNZ's cautious LVR easing amid housing restraintTopic #3: Good Returns 14th of October - First home buyers take advantage of soft housing marketTopic #4: 1News 13th of October- Why Inland Revenue is taking money from bank accountsTopic #5: Interest.co.nz 25th of October -Residential building costs still increasing but slowed to 0.4% in the September quarterRegister to our free online "How to Succeed with Property Investing" Events: https://www.propertyapprentice.co.nz/free-strategy-call/Book a no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/auckland-events/#AucklandHomelessness #InternationalStudents #RoughSleeping #NZNews #TreasurySolutions #GSTIncrease #PensionAge72 #FinancialCrunch #RNZNews #NewZealandNewsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

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H1 Sleepy Eyed Ed

The Pressbox with Graney and Bischoff

Play Episode Listen Later Oct 9, 2025 41:01

First Bite -Late Knight For Ed, 14 Aces One Game Away, 23 College Football Talk, 35:30 LVR vs Tenn Preview

sleepy eyed lvr

H1 Sleepy Eyed Ed

KWWN Pressbox

Play Episode Listen Later Oct 9, 2025 41:01

First Bite -Late Knight For Ed, 14 Aces One Game Away, 23 College Football Talk, 35:30 LVR vs Tenn Preview

sleepy eyed lvr

Fantasy Football Takeaways: Fact or Fiction + Week 4 Waiver Wire & Trade Advice | Out of Bounds (Ep. 1726)

FantasyPros - Fantasy Football Podcast

Play Episode Listen Later Sep 23, 2025 41:19 Transcription Available

Join Joe Pisapia, Chris Welsh, and Scott Bogman LIVE on Twitch every Monday afternoon at 2:00 PM ET at twitch.tv/fantasypros. The guys discuss everything happening in the football world, both in fantasy and in reality, while having some fun along the way!Week 3 was chaos — blocked kicks, scoop-and-scores, and injuries shaking up fantasy rosters. Joe Pisapia, Bogman, and The Welsh break down the fallout and look ahead to Week 4. We cover Omarion Hampton’s rise with the Chargers, Quinshon Judkins’ breakout with the Browns, Jordan Mason’s league-winner potential, and what to do with Chase Brown, Josh Jacobs, and the Chiefs offense. Plus: Russell Wilson’s Giants future, Michael Penix vs. Kirk Cousins in Atlanta, and our 3-1-1 contest picks for Jared Goff, Christian McCaffrey, and Jaxon Smith-Njigba. Timestamps: (May be off due to ads)Intro - 0:00:00Week 3 Recap - 0:01:14Questions & Asses - 0:05:49Is Omarion Hampton ready to take over the Chargers Backfield - 0:06:02Chat Question - Rank Cam Skattebo over Jacory Croskey-Merritt? - 0:09:15Chat Question - Josh Jacobs, is he a sell? - 0:10:38Should the Falcons stay the course with Michael Penix or pivot to Kirk Cousins? - 0:11:17Will Carson Wentz usurp JJ McCarthy in Minnesota? - 0:12:34Chat Question - Where would you rank Quinshon Judkins for rest of season? - 0:13:25Welsh's Week 3 Takeaway - Quinshon Judkins is a top 20 back ROS - 0:14:17Joe's Week 3 Takeaway - Jordan Mason is going to be a league-winning pick. - 0:17:51Bogman's Week 3 Takeaway - I think I'm done with Marvin Harrison Jr. and Isiah Pacheco/Panthers secondary might be legit - 0:18:23Welsh's Week 3 Takeaway revisited (Judkins looming suspension) - 0:20:42Welsh's Week 3 Big Moment - Watching the most dominant defensive performance in memory since Isaiah Rodgers. - 0:21:33Bogman's Week 3 Big Moment - Cam Skattebo backflip! - 0:22:40Chat Question - TreVeyon Henderson or Jordan Mason who would you rather have? - 0:23:56Joe's Week 3 Big Moment: Jordan Davis Scoop Score after PHI blocks potential game-winning Rams FG - 0:24:45Chat Question - Chase Brown - 0:25:40Fact or Fiction Lightning Round - 0:28:24Luther Burden, Tre Tucker, and Tyquan Thornton off the WW are fools gold - fact or fiction? - 0:28:44Texans at 0-3 are done in this division - fact or fiction? - 0:30:32Ricky Pearsall will finish as WR 1 in 2025 - fact or fiction? - 0:31:25Bucs offense can stay afloat without Mike Evans - fact or fiction? - 0:32:33Russell Wilson is cooked, the Giants will move on in Week 4 - fact or fiction? - 0:33:46311 Contest Results - 0:35:52Joe's 311 Picks: Jared Goff v CLE, JK Dobbins v CIN, Amon-Ra St Brown v CLE - 0:36:25Welsh's 311 Picks: Jordan Love v DAL, Christian McCaffrey v JAX, Jaxon Smith-Njigba (JSN) v AZ - 0:36:58Bogman's 311 Picks: Bo Nix v CIN, Omarion Hampton v NYG, Rome Odunze v LVR - 0:38:10Get 1 Month of BettingPros Premium Free - 0:39:35Outro - 0:40:04See omnystudio.com/listener for privacy information.

JD TALKIN SPORTS #1886

Scouting Australia Podcast

Play Episode Listen Later Sep 16, 2025 87:09

Send JD a text message and be heard!DON'T WIN BABY? Thanks @sfniners__vault for the funny pic. Sorry @companyadjace @kevdu_theman & @exchipp about your @raiders losing to @makiaris @chargers 20-9 but Randy says bring on the @commanders Sunday. @robparker1980 @i_need_a_sports_iv @brianbarnaby @muncieharts @call_me_tca_prez @nyquil_inthe_flesh @suejordan03 @donna.fender & @rho212 talked @yankees @mets congrats @paigebueckers @wnba ROY need to be watch #cocainequarterback on @primevideo talked #nflquarterbacks injuries will #cooperflagg be worthy of the @nba #1 pick Ernie says no @laclippers in trouble with the #kawhileonard situation @nyrangers chose their 29th captain @j.tmiller9 I love the pick & #sportstrivia at the finish.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

Q&A #21: Units vs Houses, Unheard of Strategy For Property In SMSF + The Real Driver Behind APS' Mission

Play Episode Listen Later Sep 14, 2025 50:35

Tickets are now on sale for the Australian Property Scout Summit on Saturday, November 15th at The Star in Brisbane. This is your chance to walk away with a clear, actionable game plan for 2026, renewed clarity and motivation, advanced investor strategies and the tools to level up your investing, no matter where you're at in your journey. You'll be surrounded by the APS and SAP community and hundreds of driven investors to expand and develop your circle of influence. Spots are selling fast — secure yours now here and gear up for a massive 2026!

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Q&A #21: Units vs Houses, Unheard of Strategy For Property In SMSF + The Real Driver Behind APS' Mission

Scouting Australia Podcast

Play Episode Listen Later Sep 14, 2025 50:35

This week, join Sammy Gordon and co-host Jimmy Ibrahim, as they deep dive into another listener-driven Q&A, tackling everything from portfolio building strategies and market predictions to the nitty-gritty details of SMSFs, interest-only loans, and leveraging family support. Sam and Jimmy break down complex property topics into actionable, relatable advice; all designed to help you make smarter decisions and accelerate your own investment journey. Whether you're just starting out or scaling up, this podcast is packed with trustworthy, high-impact knowledge geared for property investors who want more than just theory. School of Property is the ultimate education destination to master property investment, with a curriculum meticulously designed and crafted with both beginners and experts in mind. Whether you are a complete novice, or you're ready to take things to the next level in your portfolio, this is the program for you! To find out more, head to https://www.schoolofproperty.com.au. If you loved this episode please send it on to someone who would take some value, and please give us a 5 star review if you haven't yet and are loving the poddy! If you want your question answered on our podcast DM us on our socials or email us at apsteam@australianpropertyscout.com.au Send us your questions to: Instagram: @australianpropertyscout Want to book a call with us: Website: https://australianpropertyscout.com.au Any information, comments, opinions or content that we provide in this podcast is our general observations and information only and it is not to be taken as, or in any way, considered to be financial advice, accounting advice, superannuation advice or legal advice. We strongly recommend all and any listener and participant to obtain their own independent financial advice, accounting advice, superannuation advice and legal advice before acting in any way in relation to any investment at all including any investment in property such as what we might be discussing in this podcast. No warranty, guarantee or representation is to be taken and you cannot reproduce it in any way. Every persons financial or investment situation is different and you must consider your own circumstances before undertaking any investment and be sure to obtain independent advice. Australian Property Scout Pty Ltd | License Number: 10094798 | ABN: 64 638 266 369 Chapters: (00:01:30) Welcome (00:03:13) Q1: $1.5m – multiple residential properties or commercial property? (00:06:03) Q2: Should I buy a unit now or save for a house? (00:07:46) Q3: SMSF property purchases (00:09:37) Q4: Interest-only vs P&I loans + high LVR strategies (00:14:30) Q5: Should you use a guarantor? (00:17:10) Q6: Do you have financial advisors? (00:21:09) Q7: Property market predictions for remainder of 2025 (00:23:36) Q8: Gold coast growth to 2032 Olympics (00:26:11) Q9: Fully furnished property to insure or not? (00:28:58) Q10: Valuations for CGT purposes at settlement? (00:30:55) Q11: Increasing female APS investor market share (00:35:40) Q12: Why is APS the best buyer's agency? (00:48:41) Competition & APS's mission

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From 5% to 40% – The history and future of house deposits⎥Ep. 2095

The Property Academy Podcast

Play Episode Listen Later Jun 6, 2025 16:59

In this episode, Ed and Andrew take you on a deep dive through the history of loan-to-value ratio (LVR) restrictions in New Zealand. You'll hear how investors once needed just a 5% deposit … and how that skyrocketed to 40% during boom times.But what triggered those changes? How did investors respond? And what does the future look like now that Debt-to-Income (DTI) rules are coming into play?Plus, you'll learn how deposit rules can directly impact the ROI you see in tools like Opes+.

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JD TALKIN SPORTS #1817

Play Episode Listen Later May 14, 2025 85:37

Send JD a text message and be heard!CAGE AS MADDEN & BALE AS AL DAVIS IN “MADDEN” CURRENTLY IN PRODUCTION. @frederic.michael thanks for sharing. So pumped to see #nicholascage as #johnmadden & #christianbale as #aldavis movie must see for me. @companyadjace @nyquil_inthe_flesh @robparker1980 @downtimetv @brianbarnaby @call_me_tca_prez @kevdu_theman & @donna.fender talked @yankees falling to 13-25 in #mlb extra innings games since 2020. Thanks @brandonfurtado2 & #katiesharp for that stat. Early game vs @mariners today. @mets 28-15 and three game win streak 2-1 over @pirates last night. @brettbaty home run #5. @okcthunder @rho212 one win away from WCF after beating @nuggets last night. @nikolajovicc another 40 burger. @pacers @tyresehaliburton 31 points and now back to back ECF. One more win tonight @nyknicks join them. I don't see who can replace @jaytatum0 production. @timberwolves can send home @stephencurry30 less @warriors tonight. @juliusrandle30 will bring it too. @lakers looking for strength and conditioning coach. @trimfitnessnj you would be a great hire. Send one to Slovenia to work with @lukadoncic this #nba offseason. @ari_gold24 good point that if @capitals had @shesterkinigor between the pipes vs @canes they wouldn't be down 3-1. But agree with Barns don't need the highest paid goaltender. Defense wins championships. #nflschedulerelease @giants first home game is week 3 vs @patrickmahomes @chiefs MNF. Open on road vs @commanders & @dallascowboys weeks 1 and 2 respectively. @jets host @steelers for third straight season thanks for that one Josh & @aaronrodgers12 could be starting opening day at @metlifestadium for third consecutive #nfl season. #sportstrivia at the finish.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

THE PROPERTY NERDS: Unpacking the new financial rules of commercial real estate investing

Play Episode Listen Later May 13, 2025 21:47

In this episode of The Property Nerds, co-hosts Arjun Paliwal, founder and CEO of InvestorKit, and Jack Fouracre, partnership manager, and Chris Huxter, head of commercial property at Fouracre Financial, discuss the evolving landscape of commercial finance in Australia. The trio dives into the rapidly evolving commercial finance landscape in Australia, highlighting the influx of non-bank and third-tier lenders entering the space. The growing competition has pushed loan-to-value ratios (LVRs) higher, with some lenders now offering up to 80 per cent LVR – even though SMSFs have been making commercial property more accessible to everyday investors. They then discuss how SMSFs are gaining traction as a vehicle for commercial investment due to tax advantages and long-term control, advising that buyers should have at least $550,000 in funds and a clear strategy. To avoid costly mistakes, they stress the importance of open communication with brokers and lenders, and emphasise that investors who understand LVRs, asset types, and SMSF structures are best positioned to take advantage of the expanding opportunities in commercial real estate.

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JD TALKIN SPORTS #1813

acast deals calculating equities redrawing lvr

Play Episode Listen Later May 9, 2025 127:18

Send JD a text message and be heard!DRAYMOND SELF INFLICTED OBSTACLES. @money23green no agendas. You just seem to do things that cause me consternation. Cost @warriors a 5th ring vs @cavs in 2016. @companyadjace @paddy_bailey @thomaswdonovan @nyquil_inthe_flesh @call_me_tca_prez @i_need_a_sports_iv @cpd94_mk @donna.fender @anthonyyacc @brianbarnaby & @kevdu_theman first off Draymond #naismithbasketballhalloffame is in your future. @nyknicks game 3 tickets most expensive home game prices ever mañana. @steelers @dallascowboys @raiders @nyjets & @nygiants @aaronrodgers12 @yankees @mets #stanleycupplayoffs & #sportstrivia at the finish.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

Hayden Warren: On Redrawing Equities & Calculating Deals With 100% LVR

Property Podcast

Play Episode Listen Later May 8, 2025 34:05

Golden Eggs Property Founder and Director Hayden Warren firmly believes in the long-held property notion that buying property and waiting is better than waiting to buy property. Understanding the necessity of weighing the pros and cons of methods that investors use in building their property portfolio, he now unpacks redrawing equities, calculating deals up to 100% LVR, and knuckling down on property in one's 20s. Plus, he reveals what he—knowing what he knows today—would have done differently with two properties he had bought at the beginning of his journey. Hosted on Acast. See acast.com/privacy for more information.

JD TALKIN SPORTS #1811

Play Episode Listen Later May 7, 2025 103:23

Send JD a text message and be heard!UTAH MAMMOTH. Eh. @brianckeys would have loved to see what you could do with that logo. @921angus gives it a 5 of 10. I'm thinking 4ish. @companyadjace @kevdu_theman @robparker1980 @_secretly_batman @charlieryczek @jaymahanti & @joewillie62 @juansoto_25 #kingofnewyork & @mets had two #homeruns in 7-1 win over @dbacks take 2 of 3 on road and improve to 24-14. @nyquil_inthe_flesh @donna.fender @call_me_tca_prez & @paddy_bailey @anthonyyacc talking #georgepickens trade from @steelers to @cowboys today. He's 24 and #miketomlin had questioned his maturity. To me he's a talented player who could take the next step. He's on the last year of his rookie deal. It's a huge year for him. We shall see. @doctor_midnite & @thomaswdonovan talked big game 2 @nyknicks vs @celtics and we're already seeing a very different Boston team tonight. @cavs #kennyatkinson don't want to hear your team is gassed and has injuries. It's the #nbaplayoffs you give up 8pts in the last 48 seconds and don't attempt a FG? @theanthonyedwards_ you're the star act like it. The team feeds off you. Losing to @warriors without @stephencurry30 have to take advantage of those situations. @edmontonoilers fifth straight comeback win last night game one #stanleycupplayoffs vs @vegasgoldenknights 4-2. Agree Tommy if they had a top tier goalie unstoppable. #sportstrivia at the finish. Ernie made me think of a cool thing. You want to rant about any #sportstopic come on and say your piece. It's quite cathartic.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

Chalk Talk #190: Grading Every AFC Draft Class

On the Shane Page

Play Episode Listen Later May 3, 2025 91:03

Shane and Mark break down every AFC draft class, giving their best and worst value picks, biggest draft regret, and overall grade for each team. BUF - 3:30 MIA - 10:30 NYJ - 13:30 NE - 18:00 KC - 23:15 LVR - 27:45 DEN - 33:30 LAC - 39:30 BAL - 46:15 CLE - 53:30 PIT - 57:45 CIN - 62:00 HOU - 66:30 JAX - 70:45 IND - 76:30 TEN - 79:45 Final Thoughts - 84:00 All time stamps are approximate and may vary based on ad insertion. Learn more about your ad choices. Visit megaphone.fm/adchoices

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(#92) Day 3 Breakdown + Rankings Controversies

Fantasy For Real

Play Episode Listen Later May 2, 2025 92:18

On today's episode, I look over each and every player (QB/WR/RB/TE) selected in the first three days of the NFL Draft. I also talk about a few of my most controversial rankings. See the Substack for updated Rankings. https://docs.google.com/spreadsheets/d/1unCKLlt_I3ZdHO5v-_5yhcmiBkwpi20ba_ClB4PwhgE/edit?usp=sharing - Draft Trade Values (NFL, not Fantasy)TIMELINE: Intro (0:00 - 4:45) || Day 3 Breakdown -- BAL, BUF, CAR, CHI, CIN, CLE, DAL, DEN, DET, HOU, IND, JAX, KC, LAC (4:45 - 44:60) || Day 3 Breakdown Part 2 -- LAR, LVR, MIA, MIN, NO, NYG, NYJ, PIT, SEA, SF, TB, TEN, WAS (44:50 - 61:50) || End Notes & Rankings Controversies -- (61:50) Get full access to C.J.'s Substack at cjfreel.substack.com/subscribe

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Why refinancing is key to growing your property portfolio

Play Episode Listen Later Mar 24, 2025 38:45

In this episode of The Smart Property Investment Show, Phil Tarrant sits down with mortgage expert Eva Loisance from Finni Mortgages to explore the advantages of refinancing and how it can help investors grow their property portfolio. The co-hosts talk about the growing trend of refinancing as many investors seek to secure lower interest rates, particularly with the recent RBA rate cuts, while discussing 10 other reasons to refinance beyond just securing a better rate. One reason to refinance is to secure a higher property valuation, which lowers the loan-to-value ratio (LVR) and unlocks better equity, with Eva pointing out that different banks have varying valuation methods, which can significantly impact a property's value. Refinancing also allows consolidating high-interest debts, like credit cards and car loans, into a single loan with lower repayments. Additionally, it enables extracting equity to fund new investments, accelerating property growth without needing a large deposit. Other reasons to refinance include consolidating bad debts, better policy terms, boosting capacity, and resetting the interest-only period. The co-hosts said investors who refinance their loans can access better mortgage products, improve loan features like offsets, and even switch to more favourable lenders by refinancing. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

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JD TALKIN SPORTS #1777

Play Episode Listen Later Mar 13, 2025 159:23

Send JD a text message and be heard!CLASSY MOVE NJ!! NJ is naming #mvp of @njsiaa_sports #highschoolhockey after #johnnygaudreau & #matthewgaudreau classy move. @ecu_baseball keep kicking butt @parkerbyrdd have a great #collegebaseball season. @companyadjace @robparker1980 Hellman @cpd94_mk @donna.fender @anthonyyacc @call_me_tca_prez @ateegz on his day off @downtimetv @brianbarnaby @doctor_midnite @thomaswdonovan & @kevdu_theman talked @unc_basketball takes on @dukembb who might be without @cooper_flagg in @accsports semifinals mañana. @nyjets @nygiants #nfldraft @dangerusswilson @yankees @mets @nyknicks @stjohnsbball #marchmadness @nyrangers @wwe @aew #actors & #sportstrivia at the finish.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

Ich bin dann mal raus – Karneval statt Krise?

Das WDR 5 Tagesgespräch

Play Episode Listen Later Feb 28, 2025 45:56

Deutschland im Dauer-Krisenmodus. Kumm loss mer fiere – jetzt wird gefeiert. So macht das Rheinland mal 'Pause'. Welche Rolle spielt Karneval in diesen Zeiten für Sie? Diskussion mit Gabriele Dafft vom LVR und Moderator Ralph Erdenberger. Von WDR 5.

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JD TALKIN SPORTS #1739

Pro Football Talk Live with Mike Florio

Play Episode Listen Later Jan 24, 2025 155:45

Send JD a text message and be heard!OVI!!!!!!!!! @aleksandrovechkinofficial now only 20 goals to passing #waynegretzky & we will see @capitals visit @nyrangers March 5th and I'll jump on the ice if he breaks the record and get that puck! @companyadjace @thomaswdonovan @robparker1980 @paddy_bailey @downtimetv @brianbarnaby @brandonfurtado2 @cpd94_mk @call_me_tca_prez & @donna.fender #nyr 8-1-3 since Jan 2nd, 7-0-3 active streak & @shesterkinigor 6-0-1 including a record scoreless streak. They're back. #nflcoaches #liamcoen to the @buccaneers @dallascowboys #brianschottenheimer you can't be serious @daniel_orbe23 @anthonyyacc you lost out to Kev's @raiders on #petecarroll who should stay away from Russ. Paddy he can keep cooking with the @steelers another #nfl season. #nfldraft is 91 days away. Who will @nygiants take at #3 don't disagree with HTJ trading down and acquiring more picks. @theseniorbowl showcasing some #quarterbacks like @jaxsondart or @willhoward who could end up being a steal. #championshipsunday I'm going @commanders vs @buffalobills #sblix @jaydendaniels__ would be first rookie QB to start a SB. @nyjets #aaronglenn want him to turn this franchise around @_secretly_batman Barns @ateegz Josh & @jaymahanti been too long this playoff drought. @baseballhall we did a deep dive on potential future HOF's. Ichiro, CC and Wagner the latest batch. #andruwjones & #toriihunter have some strong cases. #sportstrivia at the finish.All sports. One podcast. (even hockey) PODCAST LINK ON ITUNES: http://bit.ly/JDTSPODCAST

Ben Johnson to Raiders talk intensifies + Deion Sanders the betting favorite to become Cowboys HC (Hour 1)

Play Episode Listen Later Jan 16, 2025 58:04

0:00 Florio takes a tumble7:05 Aaron Glenn makes coaching promises if hired as a head coach20:00 Who would be best as Jets' HC?26:25 Ben Johnson to LVR talk intensifies39:58 Coaching fits for all teams with vacancies49:30 Deion Sanders the betting favorite for Cowboys HC

nfl saints tom brady bears lions cowboys raiders jets betting jaguars deion sanders hc mike mccarthy ben johnson chris simms aaron glenn mike florio pro football talk pft lvr

JD TALKIN SPORTS #1711