The Property Files

In this episode, our host, Aife Horsley, sits down with Nathan Hawes, Director and Principal Finance Broker of Eaglevision Financial.

Nathan specialises in writing loans for investors and speaks in detail about the differentiation between himself and other mortgage brokers and how he services his clients.

Nathan is passionate about delivering high level customer service and building life-long partnerships and relationships. Strong business focus with MBA majoring in performance management and finance professional with a Diploma of Finance and Mortgage Broking Management focused on Finance and Financial Management Services from Institute of Strategic Management.

Eaglevision Financial are a finance broking service which specialises in helping you achieve your property goals.

Whether it's your first or fifth property, residential or commercial, Eaglevision Financial believe that smart achievable loan strategies can help you build a sustainable investment portfolio. They provide the tools needed to build a strong financial future in property for you and your family. They have a unique, game changing approach to loan strategy utilizing what they call, ‘The Property Eagle’ which helps you to discover what’s possible. 

In Episode 5, Season 2 of The Property Files Podcast, we speak to Hayley Mitchell, of Mitchell PT who started in real estate in 1999, and has built an enormously successful career working in property management, including owning and running her own businesses across the span of her career.

In this episode we talk about some very important changes which came into effect in 2021, and the changes which affect both renters and property owners. We talk about the mandatory disclosure forms, changes from a renters perspective, the role that VCAT plays, and we even go into what is an urgent repair and what happens when a property is sold with a current renter in place. There are many great take aways in this episode and we thank Hayley for her time.

In our 4th episode of season 2 we speak on the very important topic of Combustible Cladding with Owners Corporation specialist, Gregor Evans from The Knight. He joins us on The Property Files podcast to discuss the history, claims, insurance and options for the future, for this product that has caused much devastation across the globe. 

Have you heard of these dangerous materials sometimes used in houses and apartments?

There are so many practical considerations that go into purchasing a property. A buyer's agent can make sure you don't leave any stone unturned in the purchasing process.

Understanding Cladding: the Risks and Rectification Process

Cladding is the external material used on buildings for insulation and weather resistance. However, some types of cladding, known as combustible cladding, can accelerate the spread of fire.

The two major types of combustible cladding found on buildings in Victoria are Aluminium Composite Panels (ACP) and Expanded Polystyrene (EPS).

The installation of combustible cladding was driven by cost considerations and a misunderstanding of building codes.

When a building is suspected of having combustible cladding, the owners corporation receives a show cause notice from the council, initiating the rectification process.

The owners corporation engages a building surveyor or fire engineer to determine if the cladding is combustible through testing and inspection.

In cases where the cladding is deemed non-combustible, the show cause notice is lifted. If it is combustible, rectification is required.

The responsibility for funding cladding rectification varies depending on factors such as building age, builder availability, and government support.

Owners corporations may need to raise special levies, seek loans from lenders specializing in cladding projects, or access funds from Cladding Safety Victoria.

Cladding rectification involves careful planning, obtaining necessary approvals, selecting qualified contractors, temporary relocation of residents, removal of combustible cladding, installation of compliant materials, and final inspections for approval.

Note: Each cladding rectification project is unique, with varying timelines and costs. Collaboration between stakeholders is crucial for a successful outcome

Amber Pezzimenti and Joel Lithgow from Paragon Financial Group join The Property Files podcast this week to discuss their role as financial planners and advisors. They emphasise their focus on providing clients with guidance and direction to help them achieve their financial goals. 

Property investment is an important part of their strategy for growing wealth, alongside other investment options like shares and cash. They tailor their advice to each client's individual circumstances, considering factors such as existing property ownership and risk profile. 

They also highlight their accessibility to clients at all wealth levels, offering financial advice to everyone and have an inclusive approach and commitment to supporting families throughout their financial journeys. 

Amber and Joel further explain their modelling and scenario planning process, breaking down the financial aspects and considerations involved in achieving clients' goals, including rental yield and growth projections.

https://ravecheproperty.com.au/

Season 2, Episode 1 - What is a Buyer’s Advocate - Aife chats with a Buying novice, Cass.

In this episode Aífe Horsley, Director of Raveche Property explains the role of a Buyer's Advocate in assisting buyers to purchase and secure property. The role of the advocate is to represent clients, conduct negotiations, do due diligence on the properties and assist clients in securing the property until settlement. 

We also address the concerns of buyers, including the competition in the market and the need to negotiate, price, and put together a deal that represents their interests.

We also discuss the concerns of buyers when purchasing property, including FOMO and FOOP - The Fear of Overpaying! We emphasise the importance of working with a professional who has the necessary contacts, knowledge, and experience to guide buyers through the purchasing process. 

With an award-winning career spanning more than a decade, Michael Wood from Jellis Craig, Boroondara has built a reputation for delivering exceptional results, thanks to his high-energy campaigns and premium auction management. Today, Michael joins us to talk about off market properties, not trusting everything you hear in the media and the new wave of marketing using Ai technology!

Grace Hordern has been a property manager for over a decade. Grace is now the director of property management at a boutique end-to-end property advisory company, Hewitt property in Melbourne.

In this episode, Grace shares what a property managers role in your investments are, and let me tell you, it’s MUCH more than collecting rent. We chat about the element of trust, minimising risks of renters occupying your property and why boutique management is not for everybody.

You can get in touch with Grace by giving her a call on 0415 263 973 or sending her an email grace@hewittproperty.com.au.

Michael is one of Victoria’s leading compensation lawyers. He continues to represent his clients with the same passion and care as when he first commenced legal practice over 40 years ago. He has handled multiple cases with death and injury as a result of exposure to asbestos.

In this episode, Michael provides information on what asbestos is, what it was used for as a building material and why it’s dangerous to have in your house.

Our Strata and Owners Corporate expert, Scott is back for another episode and we’re joined by St Kilda property owner Aidan. After going into his property not fully understanding what parts of the building were common property, Aidan was stung with a levy he was quite shocked with. In this episode, Aidan asks all of the burning questions that we’re sure a lot of, especially first time property owners want answers to.

Scott, Aidan and myself have an open conversation about what the roles of the Owners Corporation Manager and Committee are, how decisions are made, and how processes can be improved by owners and OC’s.

Jacqui Brauman is the Principal Solicitor and CEO of TBA Law, focusing on wills and estates. Beyond this, Jacqui is an Author, a Podcaster and the CEO of Legally Wise Women, helping female business leaders facing a conflict to confidently take control of the outcome themselves.

Today Jacqui joins me on the podcast to chat about what happens when there’s multiple siblings involved after a parent dies, the process of selling property after a loved one passes and what happens when someone dies without having a will.

Finding the right mortgage can be stressful, especially with getting the funds together for a deposit and that’s where a Mortgage Broker can help. Our guest today is Rachel Farrell, a Mortgage Broker and the Managing Director of Bloom Capital. Mortgage Brokers will help you find a loan that is best suited to your circumstances while managing the whole process, making it as stress-free as possible. In this episode, Rachel shares who can be your guarantor, the details of how guarantor mortgages work and the legal risks that are involved.

Welcome to the Property Files Podcast with Aífe Horsley. I’m a Buyer and Vendor Advocate and the Director at Raveche Property Group, a boutique property advisory group based in Melbourne.

Tune in every fortnight as I speak with industry professionals to get their real time advice on the complicated beast that is property and real estate. We cover topics such as mortgages and interest rates, conveyancing, taxes you should be aware of when buying or selling a property and SO much more!