Bessie Hassan Explains What Adds Value to Property Ep 33

Good Tips for Your Property Research

Property fix-up shows are gaining popularity on television, but are their suggestions really what adds value to property? It may seem sensible that a coat of paint and a new kitchen will entice buyers, but smart buyers should look beyond the façade and examine a property’s potential. In this episode of Real Estate Matters, Toni invites money and property expert Bessie Hassan to explain what sellers should do to really increase their property’s value, and what buyers should look for, either to save money on a purchase, or maximize a sale in the future.

It isn’t just the house that sells a property. Whether you’re a buyer or a seller, have you considered the impact of planned infrastructure changes by the local council? What about school catchment areas? Bessie explains to Toni how these and other external factors can significantly affect the selling price of a property. They also discuss why Toni believes “where there’s caffe latte, there’s capital gains”, and some tips on what to look for if you want a great property at a knock-down price. Finally, Bessie has a few money-saving hacks for young people saving for a deposit, or anyone who simply wants to save a bit of extra cash.

About Bessie Hassan

Bessie Hassan is a money and c who has been interviewed more than 80 times on television and countless times on the radio. She has a degree in business and has worked in the media and communications industry for over 14 years. Bessie is currently the Head of PR Australia for is a website offering advice on several financial topics, and concentrating on comparisons between services such as credit cards, insurance, and loans.

Topics Covered

  • Why property fix-up shows get it wrong
  • Should you remodel that kitchen before you sell?
  • What should new buyers look for in a house, beyond the façade
  • External factors that could contribute to the value of a property
  • Where to get information on local planning
  • Why you should get to know the neighbors in your new prospective neighborhood
  • Why should young buyers care about school catchment areas?
  • How coffee shops can predict the future of a neighborhood
  • Where there shouldn’t be any rush when you’re buying property
  • Money-saving hacks that anyone can benefit from

Learn More About

Toni welcomes questions and comments! Feel free to email her at!

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Financing Your Investment Property Ep 26

Peter Ziggy Explains Your Options

Whether you are a first-time buyer or an existing property owner, you might be thinking about buying an investment property. But what should you look out for when financing your investment property? If you’re not prepared, or you don’t get appropriate advice, you could ultimately lose out.

In this episode of Real Estate Matters, Toni interviews Peter Ziggy, CEO and founder of 3P Financial – a niche, boutique financial services provider.  They discuss whether it’s better to invest first or buy first, the best methods of financing your investment property, and what to consider when taking financial advice.

This episode is key for anyone who is considering financing an investment property. You’ll learn why it’s important to choose the right financial adviser, what kinds of buffers you should plan for in your investment cash flow, and why you may want to put off buying your own home in favor of an investment in the short term.

3 Revenue Streams from Rentals: Property Insider Secrets E. 12

Toni explains what you need to know about rental income and the cooling off period!


Did you Know there are 3 revenue streams from a rental property? Many new investors think only of the rental income when assessing a potential investment property. That’s a big mistake because there are two more income streams they are missing!

In this ‘Property Insider Secrets’ episode of ‘Real Estate Matters’, Toni talks about the 3 income streams from a rental property and what you need to know about each before assessing a potential investment.

The question of the week is about the ‘Cooling Off Period’ where a purchaser can cancel a contract with minimal consequence. There is a lot of false information about this and the rules vary from state to state. It’s very important that you know the specifics of the cooling off period in your state before signing a contract!

Some Topics Covered:

The 3 Revenue Streams from Rentals:

Rental Return %:  The rate of income return over the cost associated with an investment property

  • Sometimes this will not cover the monthly mortgage.
  • Remember that in general, the monthly mortgage will remain the same while the rent you are able to charge will increase with time.

Capital Gains: The increase in your property’s value. This (roughly) doubles in value every 7-10 years (no guarantees).

Government Benefits: The tax incentives you can claim by owning a rental property.

  • Negative Gearing : If the total costs of the property is more than the income it generates you can claim this “loss” for tax purposes
  • Don’t count of this. Politicians could easily take this incentive away.
  • As your rental income goes up this will be less of a factor

Question of the week: Information and misconceptions regarding the “Cooling off period”

Toni welcomes questions and comments! Feel free to email her at!


To subscribe to the podcast, please use the links below

Click Here to Subscribe via iTunes

Click here to Subscribe via Stitcher (Android users)

If you like the show, please consider leaving the show a review in iTunes or Stitcher. A couple minutes of your time can help the show immensely! Thanks!

Real Estate and Financial Freedom

You need to commit to self-education

Did you learn about health, wealth, love and happiness in school?

Yesterday I was a reading a book by one of the property gurus in America and he made the point that they are the four most important things in life and yet we are not taught about them in school.

After thirty years in education I have to agree he has a point. He was particularly concerned about how little we generally know about the accumulation of wealth and not just in money terms. He wants the principles of investing, cash flow and appreciating assets to be taught in school. I have to admit I didn’t know a whole lot about these subjects even when I was a school principal.

It was when I started in real estate and I started reading more in this field that I started to learn. One of the important books that turned my understandings completely around was ‘Rich Dad Poor Dad’ by Robert Kiyosaki. Having a university degree and a good job isn’t enough to create wealth. You need to learn about increasing your assets and minimising your liabilities.

Credit rating, I had no idea how that worked. Do you? Do you know that the system is changing in Australia? I learned that from a guest on my podcast in episode 3. We are going to have a score like in the USA. How will that effect you?

“A formal education will make you a living but self-education will make you a fortune.” Jim Rohn.

The reason I started the podcast series ‘Real Estate Matters’ was to help interested newcomers to real estate build their knowledge. I hope this blog can do the same. Part of your commitment to self-education.

I am an avid reader. I know lots of people aren’t but I have discovered Audible (owned by Amazon) – books read aloud. You can  download them and listen whilst you do other things. You will find a huge selection of business books as well as great stories. Now I am both reading and listening to books and I have to admit the listening is really winning me over.

Start your self-education now. If there any topics or questions you would like me to cover please email me:

‘Rich Dad Poor Dad’ is on Audible.