It's A Breeze

Creating wealth through property

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All About Property

I have been working in the real estate and property industry for over 45 years in many roles – as a real estate agent, Branch Manager, Business Owner, Property Advocate, and Property Developer. After being recognised for being in the top 5% of the real estate industry and also being made a Fellow of the Real Estate Institute of Australia, I decided that I should utilise my skills and experience to help and assist people to increase their wealth through property and in addition assist everyone reaches their full potential in wealth creation through property and help and assists people to buy and sell a property.

All About Property

Given the fact that most people today are time-poor and need top-quality service, I would use my many years of experience to provide an honest and experienced service with the client’s best interest at heart.
I am a fully licensed Estate Agent; I have conducted hundreds of real estate auctions and won many awards for sales and service in my career.
I am a Fellow of the Real Estate Institute of Australia (FREI) and a Certified Estate Agent (CEA REIV).

I have worked in five municipalities and have a wide range of knowledge of how real estate is bought, sold, and developed in Melbourne.
I feel eminently suited for the role of Property Developer, Property Mentor & Property Advocate as I have a passion for property and a very strong sense of ‘doing the right thing,’ which is borne out by the fact that over 70% of my business is repeat or referred business and have a database of over 2000 happy past clients and customers.

In addition, I have written a book; ‘The 7 Deadly Sins When Selling Your Property to guide people through the minefield of selling their property.
I was a co-author to the book ‘You can live the life of your dreams with my chapter; ‘Creating Wealth’
For a copy of either book please email me and I will be glad to send one to you.

Selling Property

March 9, 2020 by Bertram Daniel

How to get the best result when selling property

After over 40 years of working in real estate and property I wanted to distil all the knowledge and experience that I had gained into a simple and easy to understand book that did assist the reader to achieve the best result when selling their property.

I felt that I had to really get to the major areas concisely and simply and make it easy to follow.

So ‘How to get the best result when selling your property’ was the result and I am very happy to offer my friends and clients a complimentary copy, as my goal in life is to help and assist people.

All you have to do to receive the eBook is email bertram@itsabreeze.com.au and I will send you a copy with my compliments.

It’s that easy and I am absolutely sure that you will really enjoy and appreciate the eBook.

I look forward to sending you your copy and if you have any questions please feel free to ask.

Real estate and property are my life and I love what I do and if you are considering selling, I will be more than happy to assist you personally.

Filed Under: Property, Uncategorized

Is there a property market slowdown?

August 20, 2018 by Bertram Daniel

The first question to ask is; “Has this happened before”?

Of course it has.

The second question is; “Should I be worried?”

The answer is ‘No.’

Property prices in Melbourne have unquestionably soared over the past few years as it has done in the past and property prices will probably continue to fall over the next 18 months, as it has done before.

I am not sure what all the fuss is about as Melbourne property prices have a cycle that they go through. In fact this market slowdown is well overdue.

Let me prove my point.

In the mid 70’s I was selling a house and land in the region of $15,000. Yes, you are seeing right. $15,000 for a house and land in the City of Knox.

Fast forward to today. The median price in the City of Knox is around $700,000.

Do the maths. How many times has it doubled in 40 years?

The median price of a home has doubled over 5 times in around 40 years.

Morgan Stanley also believes that the housing market will continue to weaken. They have reached this conclusion by using their Australian housing model (MSAHM), which clearly shows the housing market weakening.  The basis of their findings takes into account a number of factors including the delicate balance of supply and demand, mortgage serviceability (this is affected by interest rates and employment), credit supply, house price expectations and rental market conditions.

While Morgan Stanley and CBA believe prices will continue to fall, they don’t believe the property market will crash. After several years of continuous growth, the market is typically going through a consolidation phase. Their expectation is a fall of about 10% in Sydney and a little less in Melbourne.

This correction in house prices should not come as a surprise. Prices cannot rise indefinitely without a breather. What we are experiencing is the start of the mid-cycle slowdown in the 18-year real estate cycle.

If you are thinking of selling and buying in the current market, it really doesn’t matter what the market is doing because it’s all relative. You may sell for less but you will also be buying for less.

If you are currently selling and you are not realistic about your price, you should consider taking your property off the market and hold off selling for a few years. However, my advice is that if the price you get in today’s market allows you to make the move to a better lifestyle, don’t put your life on hold for a price that the market is not willing to pay you. That price you want obviously doesn’t exist; otherwise, your property would have sold.

The Melbourne market is solid as a rock and predictable.

If you are considering selling and want to be sure of a good result, make sure that you email Bertram@propertyadvocacymelbourne.com.au and I will be happy to send you a complimentary copy of my eBook.

“How to get the best result, when selling your property”

A quick and easy read that will ensure the best result.

Filed Under: Investment, Property, Wealth creation

Lets have a good look at the real estate cycle

August 20, 2018 by Bertram Daniel

I read an article written by Peter Switzer, which made so much sense and I have included a small section of it here.

 

“I’m sorry that I have to write about property prices again but I do feel compelled to give the other side to the story that’s being pedalled by the media and some economists. Today, following the 22nd time the Reserve Bank has met and left interest rates on hold, there are references to a house price slump and the possibility that the next move on rates will be down, not up!

 

It’s become fare that the media loves to gobble up because they think it sells newspapers and attracts eyes to their ‘important’ stories.

And they might prove to be important stories but right now they’re nothing more than speculative stories. Two big watch issues make it possible for this fear and doom tale to be told that the house price fall might be scarier than you think and that the RBA will be forced to cut rates.”

 

I have said this before and I will say it again; a slowdown in property prices has a cycle that repeats. In my 45 years in property I have seen it happen four times already.

 

So, why all the fuss? Why are people worried about this, when it has happened so many times before and all you have to do is look at the median price of a house today and check what it was 40 years ago in Melbourne and you will see the gain quite clearly.

 

In 1970 it was $12,800 and in 2016 it was $773,000.

 

You’ll find that in each 10-year period there seems to be 3-4 years when the market is flat, 3-4 years of low capital growth, and a few years of strong price growth during the boom stage of the cycle.

 

When you look at the property prices that prevailed years ago, and look at property prices today, it’s clear that property investment is a long-term play. You need to be patient as, over the long term, values in our major capital cities have doubled every 7 to 10 years.

 

With property prices stabilising, you might think it’s a bad time to enter the property market. What stops people from buying property is fear. The fear of paying too much, the fear of making the wrong decision or the fear that the market may crash. But even if prices are falling right now, that’s no reason to be fearful. It is important to understand that when it comes to property you are not in the game of picking the top or the bottom of the market, no one can do that.

 

Despite the falling prices, property is a long-term investment and over time prices will rise

Cheers, Bertram

Filed Under: Investment, Property, Wealth creation

A beginners guide to property investing

July 6, 2018 by Bertram Daniel

Many people do not consider investing in property, because they think that it is too risky, too hard, too complicated and many other reasons. The fact is this; it is easy, it is not complicated and what’s more, anyone can do it. All you need is the right information, a good strategy and a good mentor.

So here are a few helpful suggestions for you:

  1. Why are you buying?

This might sound like a stupid question, but you need to think this through, because it has a major bearing on what you buy, where you buy, what name you buy it in and a few other factors.

I’ve found that while most property investors hope to one day replace their personal exertion income with cash from their investment properties, most don’t have a strategy to achieve their goal.

  1. What to buy?

First thing to do is to work out what type of property you will need for your situation. This will depend on many factors; your reason, your price-point, your purpose and length of time etc.

Do you buy new or old. House or unit or townhouse or an apartment. Commercial property or retail property or Industrial property? This does depend on many factors.

If you are not sure, please give me a call or email me and we can analyse this very quickly and I can assist you with getting the right one.

  1. Where to buy?

Do not look for ‘hot spots.’ If you do you are dicing with danger for the simple reason that today’s hotspot might be tomorrows cold spot. Do your research around where you live and get to know the area. There is nothing better than being able to drive past your investment property on a regular basis, just to see how it is doing.

If it is too expensive around where you live, then look for the areas that the government has designated as Regional Centres where money for new infrastructure is being spent and it is well serviced by transport, shops and schools.

I am not a great fan of buying in regional centres. History has shown that the capital growth of city based properties does exceed regional properties and although regional might give you a better rental return, when you add in the capital gain, city based properties win every time. And if you have to sell for any reason, they sell quicker in Melbourne.

As far as deciding where to buy; this is easy. ABS figures show that Melbourne recorded the biggest population growth rate of any capital city in Australia last financial year, with its population increasing by 2.1 per cent. Why would you not invest in Melbourne, when it is going to be the largest city in the country.

  1. Do not buy to negatively gear. I hear this so often that people want to buy an investment property, because they want a tax deduction. This is not a reason; it is just a very useful by-product of investing in a property and not the aim. Unless you are on a big wage it is not a reason.

That said, property does allow you many tax advantages, especially depreciation, but you do not buy it for that reason. You buy it to suit your plan for creating wealth and you choose the property accordingly.

  1. What entity do you buy the property in? Your name? A Family Trust? A company? This might seem a difficult question, but once you know what the end game is, it is easy as picking up the phone and asking a good accountant and lawyer.

Or I can point you in the right direction, as I have a good team assisting me.

  1. So just how many properties does it take to enable you to quit your day job and live comfortably?

This is a very interesting question and it depends vey much on what you want as an income when you quit working.

The sad fact is most people think they can retire on the pension and what they find is that they have to drop their standard of living quite considerably to manage. Is this what you want for yourself? I should think not!

From my research it appears that a minimum of around $80,000 per annum is what is required to live comfortably as long as you do have no debts to pay.

So do the maths. Let’s assume an interest rate of 3.5% paid on your savings. To achieve $80k per annum you will need $2,300,000 saved. That is after you have paid off your house. And then you have to keep pace with inflation. How does that sound? Does it make you stop and think? I hope so.

The fact is that property returns at least 3.5% per annum, so if you had three debt free properties to the value of around $1M each you would achieve that and what is great is that they keep pace with inflation. Just think about this; had you bought ten years ago you would have only paid $500,000 for each of them.

So I ask you this; would you like to start NOW! As they say; ‘better late than never.’

Filed Under: Investment, Property, Wealth creation

20 Reasons why the rich get richer and more…

July 6, 2018 by Bertram Daniel

I came across Tom Corley on YouTube with his video called:

‘225-Rich Habits and Raising Rich Kids-The Daily Success Habits of Wealthy Individuals.’

I will give you the link to that video at the end of this particular blog-post.

I am not an advocate of becoming RICH, although I have nothing against it. I am an advocate of not relying on a pension and having a comfortable lifestyle, when you stop working.

So why (here it comes again) do 85% of Australians retire on less than $35,000 pa?

It really is quite simple; people do not take responsibility for growing their wealth.

Some expect the Government to help them, some think their Superannuation will do it, (which mostly it won’t), and many rely on advisers who look after their own pockets instead of their client’s best interests.

So I will say it again; “What steps are you taking, to retire comfortably?”

It is never too late or never too early to start, but at the end of the day you must ‘start.’

So to begin, here are 20 observations from Tom about the wealthy and the not so wealthy.

Tom Corley, author of the book Rich Habits suggests the rich do things very differently from the average person.

While clearly this is no judgement of the people, here’s a list of the differences between the habits of the rich and the poor:

  • 70% of wealthy eat less than 300 junk food calories per day. 97% of poor people eat more than 300 junk food calories per day. 23% of wealthy gamble. 52% of poor people gamble
  • 80% of wealthy are focused on accomplishing some single goal. Only 12% of the poor do this
  • 76% of wealthy exercise aerobically 4 days a week. 23% of poor do this
  • 63% of wealthy listen to audio books during commute to work vs. 5% for poor people
  • 81% of wealthy maintain a to-do list vs. 19% for poor
  • 63% of wealthy parents make their children read 2 or more non-fiction books a month vs. 3% for poor
  • 70% of wealthy parents make their children volunteer 10 hours or more a month vs. 3% for poor
  • 80% of wealthy make hbd calls vs. 11% of poor
  • 67% of wealthy write down their goals vs. 17% for poor
  • 88% of wealthy read 30 minutes or more each day for education or career reasons vs 2% for poor
  • 6% of wealthy say what’s on their mind vs. 69% for poor.
  • 79% of wealthy network 5 hours or more each month vs. 16% for poor.
  • 67% of wealthy watch 1 hour or less of TV every day vs. 23% for poor
  • 6% of wealthy watch reality TV vs. 78% for poor
  • 44% of wealthy wake up 3 hours before work starts vs.3% for poor
  • 74% of wealthy teach good daily success habits to their children vs. 1% for poor
  • 84% of wealthy believe good habits create opportunity luck vs. 4% for poor
  • 76% of wealthy believe bad habits create detrimental luck vs. 9% for poor
  • 86% of wealthy believe in life-long educational self-improvement vs. 5% for poor
  • 86% of wealthy love to read vs. 26% for poor.

 

My next tip would be to get your mindset right. As the saying goes;

“What the mind can conceive and believe it can achieve.”

 

I have said before that it is my mission to serve my people, so please feel free to drop me an email and depending on where you are on this journey, I will be happy to suggest where to start.

 

 

Her is the link to Tom’s video on YouTube:

 

Click

 

 

Filed Under: Investment, Property, Wealth creation

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Recent Posts

  • Selling Property
  • Is there a property market slowdown?
  • Lets have a good look at the real estate cycle
  • A beginners guide to property investing
  • 20 Reasons why the rich get richer and more…

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