How To INCREASE Borrowing Capacity In Australia - 11th TIP at the end of video will blow your mind!

Borrowing power is a term used to describe the loan amount a lender is likely to approve you for, based on your financial situation. Having a higher borrowing power means you can build a larger property portfolio and a larger Passive Income.
So how do people keep buying properties one after another?
Watch till the end to decipher the code!
0:00 - Intro
2:07 - Finding the right Broker.
3:23 - Why Experienced Broker
4:39 - Brokers Specialized in Investing
5:44 - A good Broker should have Internal Staff.
7:27 - How to Maximize Serviceability?
8:28 - Reduce your Credit Card limit.
10:01 - Clean your Credit History.
10:56 - Roll your debts into one at a lower rate.
12:18 - Reduce your Living Expenses
14:08 - Fixed Loan or Variable Loan
15:39 - Finding a good broker
17:30 - Have a Genuine savings
18:38 - Raise your Income levels
20:30 - What are Common Debt Reducer Loans?
24:08 - Self-Managed Super Funds
25:14 - Build Positive Cash Flow Property Portfolio
29:52 - Anyone can build a 2 Million dollar Portfolio
33:43 - Renting shares strategy
35:02 - Conclusion by PK
36:25 - Conclusion by John
LEARN MORE 👇
💡 I Help People Achieve PASSIVE INCOME Through Property Investing Using Our Unique Data-Driven System, So You Can Confidently Buy Top 5% Growth & Cashflow Property, WITHOUT Wasting Months Doing "Research", Spending Weekends At Inspections OR Dropping $15k On Buyers Agents Each Time 👉 consultingbypk.com.au
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DISCLAIMER: No Legal, Financial & Taxation Advice
The Listener, Reader or Viewer acknowledges and agrees that:
• Any information provided by us is provided as general information and for general information purposes only;
• We have not taken the Listener, Reader or Viewers personal and financial circumstances into account when providing information;
• We must not and have not provided legal, financial or taxation advice to the Listener, Reader or Viewer;
• The information provided must be verified by the Listener, Reader or Viewer prior to the Listener, Reader or Viewer acting or relying on the information by an independent professional advisor including a legal, financial, taxation advisor and the Listener, Reader or Viewers accountant;
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#PropertyInvestment #PassiveIncome #Australia #RealEstate

[@AusPropertyMasteryWithPK]

❤ JOIN THE COMMUNITY & GET FREE SUBURB TIPS + STRATEGIES 💡 Private Facebook Group With Over 40,000 Clients & Investors 👉 facebook.com/groups/passiveincomethroughproperty 💡 Top Ranked No "BS" Podcast On Spotify/ iTunes/ Google 👉 consultingbypk.com.au/podcast/

[@gabriellejones2453]

Brilliant clip!!!! Learnt soooo much Ive never heard before. Great content.

[@jordanappleyard230]

Excellent vid guys! lots of valuable information! Thanks 🙏🏻

[@rahulpurihrc]

Thanks PK and John for sharing these golden nuggets. Some amazing insights here to maximise your borrowing capacity and the last tip is a diamond!

[@AusPropertyMasteryWithPK]

So good ehh. Let me know any other topics to cover with him?

[@varunpal2884]

One of the best sessions I have watched recently and yeah a big YES from me.

[@AusPropertyMasteryWithPK]

Thanks!

[@maggiezhang7773]

Great insightful conversation. Thank you, PK and John. Yes for more, please

[@AusPropertyMasteryWithPK]

Cool!

[@Bri-wi8kq]

Yes, please more PK! Many thanks. Bri

[@lida9034]

Thank you for inviting John. He is very knowledgeable and I hope to see him sharing again soon.

[@AusPropertyMasteryWithPK]

Thanks.. any topics lemme know!

[@jeyasankarnagarajan4840]

Really informative.thanks PK and John.

[@sumithkurup9417]

Some of the points pk was sky rocket I would definitely like to hear more from John thanks pk for bringing in your platform.

[@AusPropertyMasteryWithPK]

Cool let me know any topics.. ?

[@marcotulio5592]

Amazing video Pk and John. Hope to see you again.

[@claudiozannotti5430]

This is an incredible episode & golden advise. It would be great to watch more episodes, thank you.

[@AusPropertyMasteryWithPK]

Thanks!

[@jodiebrooks6540]

Thank you PK and John, very informative conversation

[@AusPropertyMasteryWithPK]

🙏🏼

[@ManVantage]

Thank you PK and John 🙏

[@samh1821]

I watched this two times ... learned more.

[@jigarmehta2005]

Awesome video.... Yes interested for more deep dive.... 👍🏻

[@niswanpreena]

Priceless ! Thanks

[@mariaacido6837]

This video is awesome. Having more videos with John would be amazing.

[@AusPropertyMasteryWithPK]

Thank for watching!

[@longsltrad8156]

Thanks mate for such a great session. its yes for more great content like these..

[@AusPropertyMasteryWithPK]

Awesome let me know any topics!

[@vthomas260]

Great video, thanks PK and John!

[@AusPropertyMasteryWithPK]

Thanks

[@phuckyoutube5927]

This was gold mate thankyou 🙂

[@MrSreetvm]

Good one! Thanks PK and John...

[@AusPropertyMasteryWithPK]

Awesome let me know any topics you want!

[@harrysingh7976]

Great Episode PK!

[@AusPropertyMasteryWithPK]

Thanks

[@cijuyn]

Great stuff. Really appreciate it

[@AusPropertyMasteryWithPK]

Thanks

[@jem6411]

Excellent value here John and PK

[@AusPropertyMasteryWithPK]

Thanks for watching, did you get to the last point of “professional investor borrowing”?

[@jacob42154215]

Top notch video, definitely get John back on. YES!

[@AusPropertyMasteryWithPK]

Thanks

[@ppatel9546]

Very useful information, well done PK✅✅✅

[@AusPropertyMasteryWithPK]

Thank you

[@callumfisher1636]

Yes! Great value here, cheers guys

[@AusPropertyMasteryWithPK]

Any big points you got from it?

[@vinnishbaby7222]

Thanks OK. Good conversation. Just now I found this old vedio.

[@hollygano372]

Deep dive into assessment rates please 🙏🙏

[@MegaCathie]

Great stuff.

[@ReActiv8R]

Yes great information

[@dylan.noronha]

Great content!

[@AusPropertyMasteryWithPK]

Awesome let me know any topics you want!

[@ve5394]

Great info. Yes

[@robmace2085]

Yes, great video 👍

[@rabinrai5203]

well explained on common debt reducer.

[@saltysista2553]

Yes thank you PK!

[@daisyfoster6988]

Yes, time for another episode with John please

[@sganguly09]

This was a great video PK… would love to see John back… interested in SMSF and subdivision info from financial perspective… thanks PK for bringing these awesome content…

[@AusPropertyMasteryWithPK]

Ok for sure!

[@HanginOffThaReel]

You've got that smiling, happy voice like Michael Jackson lmao. Legend. I enjoy listening to you lol. Great advice as always, appreciate the content and love your style brother.

[@I_agree_with_you]

Very good information

[@christineandrews253]

Hey PK it would be really helpful if you could actually mention the date at the beginning of your podcasts. I just helps when you know if the information is recent or might have changed ie interest rates or property cycle etc

[@yyjiang2906]

Yes for more please.

[@vacred9308]

That was absolutely Priceless! Thanks PK and John, Even though I own 3 properties and still am learning a lot of basics from sessions like this. One key takeaway was keeping all the loans at Fixed rate.I haven’t finished your video completely but I just thought I will pen this down before I forget. Yes yes and a Yes another session of JOHN AND PK video is valuable . I would like to hear more on SMSF home loans. How easy are they to procure? What is the process?

[@AusPropertyMasteryWithPK]

Ok awesome. The last tip is gold.. tell me what you think!

[@vacred9308]

@@AusPropertyMasteryWithPK if you are referring to positively geared properties for a 2 million portfolio as last tip is absolutely Platinum! I loved this video so much. Will be going through it second time, it’s inspiring.

[@FLATLINE_au]

Watched all of it!!

[@AusPropertyMasteryWithPK]

Did you learn something new?

[@tlannan2208]

Yes! And PK you rock

[@AusPropertyMasteryWithPK]

🙏🏼

[@venkiperth]

Hi guys I was wondering how I increase borrowing capacity to buy another investment property …. You guys answered me with detailed..nailed it… Please make one video for us with bank valuer or private valuer to understand how we increase house value for refinance …please keep up 🙌🙌🙌🙌👍

[@mattgosling9583]

Hey ok, great video, I think you should mention in your next video about smsf for property that you can’t take equity out of your property with a smsf. And that a bare trust must be setup for a single property, cannot be more than 1 property.

[@karan6963]

Would love to explore more on common debt reducing loans

[@mukundsingh1246]

Good session. YES from me.

[@AusPropertyMasteryWithPK]

Ok!

[@hectortorcatt6559]

BIG YES

[@ourisolife8613]

Awesome vid, and John is amazing. Please bring him back with current market conditons and pressures and broker insights. His last few points were gold to me!

[@sukhvindercheema6366]

Good conversations Thanks guys Just a question for John if you can through your comments on getting a loan from big 4 banks vs private lenders. Is the private lenders are reliable to deal with on the long run. Thanks

[@stevoCdownunder]

First time coming across you PK, and I love your humility, honesty and integrity. Its very rare in this industry. I work as a Real Estate Agent down in Melbourne and I pride myself on those above points to. I'm interested to learn more about your course

[@AusPropertyMasteryWithPK]

Thanks mate, means a lot.. 🙏🏼 You can learn more here: consultingbypk.com.au/

[@stevoCdownunder]

@@AusPropertyMasteryWithPK Thanks mate, and my absolute pleasure. I'm keen to learn strategies to build my portfolio for my families future and to create that passive income. I'll check out the link. How do I contact you afterwards as I'll have questions ha ha :)

[@AusPropertyMasteryWithPK]

@@stevoCdownunder just email :) email addy is in the website

[@vishalbhatia9503]

Yes

[@kaknair]

Great Video.... Good Tips. Thanks PK & John. I have two question for John - For couples is it better to buy IP separately to maximise each persons the borrowing power ? Also how the finance part work for Granny Flats or building second House/Unit (Subdivision) ?

[@AusPropertyMasteryWithPK]

We’ll cover this for sure.. first one though.. yes it’s better to buy separately often

[@christineandrews253]

Yes elaborate on these strategies with EXAMPLES so we can understand it with some numbers if possible. Just examples

[@donnanoble4302]

Great episode PK enjoyed this on my morning walk. He is a great mortgage broker. Definitely ask him back :)

[@AusPropertyMasteryWithPK]

Thanks!

[@amyourmaiden]

That is amazing

[@AusPropertyMasteryWithPK]

Awesome let me know any topics you want!

[@amyourmaiden]

Yes please about equity lock .

[@Danniicampbelldesign]

Hi John is the lender that you spoke about still aggressively looking for investor loans?

[@ThamNguyen-gi6fz]

Yes, please

[@hollygano372]

Deep dive common debt reducer loans please 🙏

[@Young_Gingers_day]

PK does John do financial approval?

[@ravinderkumar6664]

Yes please

[@user-yo2tf2zy1s]

Yes, Yes, Yes.

[@filomena9106]

Great value…I’d love to apply this to a 60 year old who wants to now invest in the property market without using her equity in her property but has a 20% cash deposit??

[@rickys3197]

Thankyou

[@AusPropertyMasteryWithPK]

Thanks!

[@christineandrews253]

Afterpay is something that you can use to buy something in the future so how can the bank account for that ?

[@gabriellejones2453]

YES

[@jocelynsamson3389]

Yes please PK. More content about this. Especially the "Common Debt Reducer Loan". My husband is a student of yours. He and his friend has our house invested together 2018 but their broker makes his friends own house like a guarantee of the loan..Now when I buy his friend out for our place. My husbands name is still attached to his friend's house. And his friend cannot refinance his own house to get my husbands name out of the guarantor due to financially not capable. So I am very interested on how can I get more borrowing capacity.

[@navidmomin1820]

After two to 3 houses if the debt to income ratio touches 50% banks don't lend, what's the best way to solve this problem? Considering we have maximized our earnings and minimize our expenses.

[@nitsaustin]

any specific set of strategies of investors who have a 'bigger bad debt' and a couple of investment properties? Eager to buy another one but would like to know how to create that balance. We want to invest BUT the Big Bad Debt bites........!!!

[@abhilashaitharaju1129]

Yes!!!

[@AusPropertyMasteryWithPK]

Cool any topics?

[@andrewg1508]

As someone who owns 8 investment properties, I can echo the difficulty experienced with lenders and their crazy requirements ...... some good info here people, listen & learn.

[@AusPropertyMasteryWithPK]

🙏🏼

[@mohammadmizan4878]

Yeah

[@frayo2012]

Hi PK, how can I get in touch with John please?

[@Familiadude]

You cracked me up at indians and italians are the same because they're sweaty. Thanks for the videos

[@rohit5145]

Yes bring him back

[@AusPropertyMasteryWithPK]

Cool any topics?

[@jamesthompson4971]

I'm sorry but @johnmanciamelli is wrong at 14:14! There is no lender in Australia that will take actual loan repayments with no buffer applied in their servicing calculator just because a loan has a fixed rate. The statement by John is completely incorrect. I think what he meant to say is that the lower fixed rate of say 2.5% fixed vs a variable rate of 3% makes a difference to overall serviceability WHEN THE BUFFER IS APPLIED as the lenders will apply the buffer to the fixed rate of 2.5% vs a 3% variable rate + buffer. No doubt he covered his tracks when he mentioned that "at some point the lenders I'm talking about will have changed their policy when this comes out in the future" - lost all credibility with me when he said that @ 20:07

[@natelakey2118]

Hey can you turn off your notifications when recording 😃

[@babispapadopoulos5094]

I am going for my partner visa with my Australian gf. And in progress moving down to australia. I make a good living overseas and I want to enter real estate market asap. Can I get a loan ?

[@ironjaw1967]

Which lender lends on a positive cashflow property and then the next etc without serviceability or debt to income ratios from the rest of your portfolio?

[@AusPropertyMasteryWithPK]

I would suggest get in touch with John

[@ironjaw1967]

@@AusPropertyMasteryWithPK ok like to share contact details?

[@haywirekwek]

Hi PK. Would love to get in touch with John. May I know what is the best contact to John? Thanks!!

[@hle3542]

Following

[@handyandie-morethanjusthan1462]

yes

[@13579john]

can anyone still buy cash flow positive property when interest is now approx 5%

[@AusPropertyMasteryWithPK]

It’s harder but possible

[@13579john]

@@AusPropertyMasteryWithPK House or is it some other type of housing?

[@ArjunLath]

Pls discuss about covered calls in ASX

[@JasonJohnContos]

Literally nothing to do with this topic

[@domenicodipasquale4590]

Hi PK could I get John company name so I can get in touch with him and I really appreciate this video well done. Regards Domenico

[@AusPropertyMasteryWithPK]

Google :)

[@gorakhgore5725]

Points

[@Australialegend]

👏👌👍💰😎

[@AusPropertyMasteryWithPK]

🙏🏼

[@lakhwinderkang431]

Hi pk , where i can contact jhon ? Can you plz give his details? Thankx

[@AusPropertyMasteryWithPK]

I’ll share next time!

[@johnmanciameli9752]

Hi Lakhwinder. I can be reached on [e-mail]. Thanks.

[@jaiacosta6025]

Excellent video. Thanks to you and John for sharing your knowledge 👍.

[@nelsonbautista574]

how do i contact Jonh?

[@AusPropertyMasteryWithPK]

I’ll share next time

[@johnmanciameli9752]

Hi Nelson. I can be reached on [e-mail]. Thanks.

[@improveme7714]

Am I able to get john's contact details at all?

[@bawselife6859]

Sweaty.. not sure abt that 🤣

[@JJ-mc8lu]

Yes. Take on more debt just when rates are at rock bottom. What happens when rates go up? I know. You lose everything!

[@AusPropertyMasteryWithPK]

Thanks for the comment

[@JasonJohnContos]

You raise the rent

[@JasonJohnContos]

Yes

[@thushanidassanayake14]

What is Johns's full name and contact details? Please let me know

[@christineandrews253]

What mistakes did John make .. I bet I can top him

[@SM-ol9nb]

Hairy? Sweaty? I’m completely insulted.

[@michaelhuynh7324]

Thanks PK, do you have John's details to contact him for brokering services

[@marymitchell4891]

vay.fyi super

[@lessalatu634]

Yes

[@monty3630]

YES

[@AusPropertyMasteryWithPK]

🙏🏼