Talk Property To Me Podcast

More and more people who live in Melbourne are choosing to leave it yet the city still grew by over a hundred thousand residents in a year. What is the reason for this and what does that tell us about the real estate market in Australia?

Sydney has lost over 41,000 residents in a year. As real estate prices in Sydney are soaring people are looking for an alternative. Enter Dubbo – one of Australia's fastest growing cities where housing is also more affordable. Dubbo has now become the number one hotspot for first time home buyers in in New South Wales.

Did Australia make an impossible promise? 40, 000 affordable homes were supposed to be built by 2029 yet in 2 years only 2% were completed. Is it possible to finish the task? In this episode of Talk Property To Me, hosts Brad East and Aaron Downie give their thoughts on the matter and discuss the practical implications of the affordable housing promise that may never be delivered.

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down investing in Airbnb properties and the associated risks and possible gains. Can investing in Airbnb be a passive source of income? Who is your biggest competition? If you're thinking about investing in an Airbnb or already own one - this video can help you in your decision making and the future perspective ahead.

The RBA has lifted the cash rate to 3.85% (4 February 2026) — the first hike in over two years. 📈🇦🇺 But will higher interest rates actually bring inflation down… or will it just squeeze mortgage holders while prices keep rising? 💸🏠 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why they believe rate hikes won't fix Australia's biggest inflation drivers — especially supply-side inflation, electricity costs, government spending, and the impact of an ageing population spending more as rates rise. ⚡🧾👵 They also dive into the rental crisis, record-low vacancy rates, and why increasing mortgage costs can flow directly into higher rents. 🏡📉 ✅ What you'll learn in this episode: • Why the RBA hikes rates (and why it may not work) 📊 • Demand vs supply inflation (the key difference) 🧠 • Electricity prices + policy failures (21.5% YoY mentioned) ⚡ • Why mortgage holders get punished while others spend more 🏠 • Australia's ageing population effect on inflation 👵💰 • Migration vs new home builds: why rents keep rising 🏗️ • Vacancy rates collapsing (Orange: 0.5%) 😳 • Why higher rates can push rents up again 📈🏘️ • Modular/tiny homes at Bunnings: a new supply angle 🧰

Victoria's Windfall Gains Tax (WGT) is one of the most controversial property taxes in Australia — and many investors still don't know it exists. 🇦🇺🏠💸 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down how the Victorian Windfall Gains Tax works, why it's often called a "hidden property tax", and how it can charge up to 62.5% on rezoning-related land value increases — even on unrealised gains (yes, you can get a tax bill without selling the property). ⚠️📩 If you own property in Victoria, invest in Australian real estate, buy land in growth corridors, or you're watching rezoning changes (low density → medium/high density), this episode is a must-watch. We cover the $100,000 threshold, marginal tax rates, real examples, land tax comparisons (VIC vs NSW), exemptions, deferral options, and why this policy may impact housing supply, developers, and private investors. 📈🧾 🔍 Key Topics Covered: ✔️ What is the Victorian Windfall Gains Tax (WGT)? ✔️ How rezoning triggers a tax bill (even if you don't sell) ✔️ Example: land value doubles → massive tax liability ✔️ The 62.5% marginal rate explained ✔️ Victoria land tax vs NSW thresholds ✔️ Exemptions & deferring payment until sale ✔️ What investors can realistically do

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the most powerful wealth-building strategies in Australian real estate: how everyday homeowners are using equity in their existing home to buy investment properties with zero cash deposit. Most Australians assume they need years of savings to buy an investment property — but many are already sitting on usable equity without realising it. In this episode, Brad and Aaron explain step-by-step how investors are extracting equity from their owner-occupied home, structuring loans correctly, and using that equity to fund deposits, stamp duty, and purchase costs — without using personal savings. This is not hype, and it's not a "get rich quick" scheme — it's a real-world, bank-approved strategy used by everyday "mum and dad" investors across Australia. 🔍 Key Topics Covered: ✔️ How equity actually works in Australian property 🏠 ✔️ The 80% rule and avoiding Lenders Mortgage Insurance (LMI) ✔️ When paying LMI can make sense for faster growth ✔️ Using equity instead of cash deposits 💰 ✔️ Zero deposit property investing explained ✔️ How to structure loans properly (splits & tax strategy) ✔️ Why equity release is NOT "free money" ✔️ Buffers, offsets, and risk management 📊 ✔️ The step-by-step process to buy your first investment property ✔️ Common mistakes investors make (cross-collateralisation, over-leverage, rental overestimation) ✔️ How everyday Australians build property portfolios safely

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the growing debate around scrapping capital gains tax (CGT) discounts in Australia — and whether this move would actually fix housing affordability or make the crisis even worse. With mounting pressure on the government to reform CGT, many argue that pushing investors out of the market will help first-home buyers. But is that really how the Australian property market works? In this episode, we break down: 👉Why removing CGT discounts may reduce rental supply, not prices 👉Who property investors really are (hint: mostly mum-and-dad owners) 👉How low vacancy rates and rising rents could worsen if investors exit 👉Why supply, not tax changes, is the real housing problem 👉The unintended consequences of targeting investors instead of building homes If you're a home buyer, investor, or renter, this episode explains what CGT reform could mean for property prices, rents, and long-term housing affordability in Australia. 🔍 Key Topics Covered: ✔️ What is Capital Gains Tax (CGT) and how the discount works ✔️ Why scrapping CGT could reduce rental supply ✔️ The real drivers behind Australia's housing crisis ✔️ Investors vs first-home buyers — who really drives prices? ✔️ Why building more homes matters more than tax reform ✔️ Long-term risks of political housing decisions

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why inflation is rising again and what it could mean for Australia's interest rates in 2026. With electricity prices, rent and housing costs keeping inflation elevated, the big question is: will the RBA hike in February 2026, or hold and reassess mid-year? We unpack the key drivers behind the latest inflation headlines, why rate rises don't fix electricity prices, and what the Big Four banks are predicting (with opinions split). If you're a homeowner, investor, or planning to buy, this episode focuses on practical strategy—how to think about borrowing capacity, buffers, and staying calm when the media goes "doom and gloom." Key topics covered ✔️ Australia inflation 2026: what's pushing it higher ✔️ RBA interest rates 2026: February hike vs hold ✔️ Why electricity costs keep inflation sticky (and why rates won't fix it) ✔️ Rent, housing supply, vacancy rates & the pressure on the market ✔️ Big Four bank predictions and what they imply for borrowers ✔️ Practical advice: don't max borrowing capacity + build an offset buffer

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Top 5 property sales of 2025 — including Sydney's record $82.5M waterfront deal in Rose Bay, an $81M Barangaroo penthouse, and more jaw-dropping prestige sales across Vaucluse, Bellevue Hill, and Mosman. If you follow Sydney luxury real estate, waterfront homes, and high-end property investing, this episode is packed with insights on scarcity, record pricing, buyers' agents, and how "manufacturing equity" through renovations applies from $50M homes all the way down to everyday investors. 🔍 Key Topics Covered: ✔️ Australia's biggest property sales of 2025 (Top 5) ✔️ Rose Bay's $82.5M waterfront record sale ✔️ Barangaroo's $81M penthouse — why it's worth it ✔️ Why scarcity drives Sydney's prestige prices ✔️ Buyers' agents at the ultra-luxury end of the market ✔️ "Manufacturing equity" with renovations (and how investors can copy it)

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Australia property market outlook for 2026, with a deep dive into Newcastle and Lake Macquarie. We analyse suburb-level data, long-term price trends, and the key infrastructure projects shaping growth over the next few years — including transport upgrades, hospital expansion, rezoning changes, and population growth drivers. Rather than broad national headlines, this episode focuses on where the real opportunities are forming and why some suburbs will outperform others as we move into 2026. 🔍 Key Topics Covered ✔️ Australia property market forecast for 2026 ✔️ Newcastle vs Lake Macquarie growth trends ✔️ Why suburb selection matters more than city averages ✔️ Infrastructure projects driving future price growth ✔️ Best areas for owner-occupiers vs investors ✔️ Affordability, interest rates & long-term demand ✔️ Risk profiles and sustainable growth strategies If you're considering buying, investing, or simply want a clear, data-driven view of what's next, this episode will help you understand where growth is coming from and why.

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down what banks really look at when approving a home loan in Australia — and why having a big deposit alone is no longer enough. If you're planning to buy a home in 2025 or 2026, this episode is essential viewing. We explain how lenders assess your spending habits, credit score, borrowing power, and financial behaviour, and why so many buyers are shocked when their loan is rejected. In this episode, we cover: Why banks rely on the Household Expenditure Measure (HEM) How your spending habits impact borrowing capacity Why credit behaviour matters more than your deposit The hidden impact of credit cards & Buy Now Pay Later How loan enquiries can damage your credit score Why speaking to a mortgage broker can dramatically improve approval odds Whether you're a first home buyer, upgrading, or planning your next investment, this episode will help you avoid costly mistakes and understand how lenders really think. 🔍 Key Topics Covered ✔️ Mortgage approval process in Australia ✔️ Credit score requirements explained ✔️ Borrowing power & household expenses ✔️ Why banks reject home loans ✔️ How to improve your loan approval chances

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia's property market moving into 2025 and 2026. We unpack the key drivers behind the RBA's decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don't always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home buyers, and affordability across Australia. 🏠 If you're buying, investing, or refinancing, this episode gives you a clear, no-nonsense breakdown of what's changing — and what actually matters. 🔍 Key Topics Covered 📌 Why the RBA held interest rates again 📌 Inflation explained – electricity prices & cost-of-living pressure 📌 APRA's new debt-to-income rules (DTI caps) 📌 Trust lending crackdown & investor risk 📌 Help to Buy scheme & shared equity risks 📌 What this means for first-home buyers & investors 📌 Australia property market outlook for 2025–2026

In this episode of Talk Property To Me, Brad East and Aaron Downie break down Australia's 2026 Property Market Forecast using the latest SQM Research Boom & Bust Report. We analyse population growth, supply shortages, dwelling completions, and city-by-city price predictions to explain what buyers and investors should expect in 2026. Australia is heading into another major year for real estate, with 390,000 new migrants, tight vacancy rates, and a national housing shortage continuing to shape prices. In this episode, we unpack why Perth, Brisbane, Darwin, Adelaide and the Sunshine Coast are forecast to lead the country — and why Sydney and Melbourne may lag behind. Whether you're a first-home buyer, investor, or simply watching the market, this breakdown gives you clear, data-driven explanations behind the expected 4%–14% price growth for 2026. 🔍 Key Topics Covered ✔️ Australia Property Market Forecast 2026 ✔️ Population growth impact on housing prices ✔️ Housing supply shortage & dwelling completions ✔️ City-by-city predictions: Perth, Brisbane, Adelaide, Melbourne, Sydney ✔️ Vacancy rates, rental demand & investor activity ✔️ Supply vs demand imbalance explained ✔️ Why units may outperform houses in major cities ✔️ Inflation, interest rates & possible RBA cuts ✔️ Worst-case, base-case & best-case growth scenarios ✔️ What buyers and investors should watch in 2026 🏙️ City Forecast Highlights 🏆 Perth: 12–16% growth expected — strongest market in Australia 🔥 Brisbane: 10–15% growth, record-low listings 📈 Adelaide: Strong demand with limited supply Darwin: Major rebound driven by infrastructure projects 🏖️ Gold Coast & Sunny Coast: 7–15% growth 🏚️ Sydney & Melbourne: Slower growth due to affordability pressures

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest debates in the Australia property market 2026: Are houses still outperforming units, or has the market completely shifted? With affordability tightening, inflation rising, and lifestyle preferences changing across Sydney, Melbourne, Brisbane and regional areas, many buyers and investors are rethinking where real long-term value actually is. In this episode, we analyse why units and townhouses are now outperforming houses in multiple LGAs, what's driving this shift, and how buyers can protect themselves from bad assets and identify high-performing opportunities. 🔍 Key Topics Covered ✔️ Houses vs Units in 2026 — what the data really says ✔️ Why units are outperforming in key LGAs ✔️ Affordability crisis: how inflation & income stagnation are reshaping demand ✔️ Capital growth vs rental yields — where the numbers win ✔️ Boutique developments vs high-density towers ✔️ How remote work and infrastructure are changing buyer behaviour ✔️ Scarcity: the #1 rule for picking a winning property ✔️ First-home buyers in 2026 — why units may be the smarter choice ✔️ What to avoid: risks, strata reports, build quality & supply saturation ✔️ What's next for the Australian property market?

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Australia's biggest issues right now: building approvals are rising, but construction output is falling — all while the country faces the largest population boom on record. Australia approved more homes than ever in 2024–2025, yet fewer houses are actually being built. In this episode, we break down the real reasons behind the housing supply crunch — from labour shortages, skyrocketing material costs and developer feasibility, to the impact of surging investor lending and record migration. We also analyse how government planning reforms, council delays, CDC pathways and the Housing Future Fund are affecting supply, rental prices, and long-term affordability for first-home buyers and investors. 🔍 Key Topics Covered in This Episode ✔️ Why building approvals are rising but construction is falling ✔️ Labour shortages, high materials costs & builder insolvencies ✔️ Investor lending at record highs — how it affects first-home buyers ✔️ Australia's population surge (380K → 470K) and pressure on housing ✔️ NSW planning reforms: CDC fast-track, dual occupancies & DA changes ✔️ How government policies are shaping supply, rent, and house prices ✔️ Why developers are building less despite huge demand ✔️ What needs to change to fix Australia's housing shortage ✔️ The outlook for construction, rental markets & property prices in 2025 Australia is heading into a critical phase: approvals are up, supply is down, migration is booming, and investors are flooding the market. Understanding these factors is essential for buyers, sellers, renters and investors.

In this episode of Talk Property To Me, Brad East and Aaron Downie break down one of the biggest debates in Australia's housing market: Are 50-year mortgages the future of property affordability? 🇦🇺🏡 With affordability at record lows, rising interest rates, and the average first-home buyer now aged 36+, longer loan terms are gaining attention. But what does stretching your mortgage to 40 or even 50 years actually mean for your finances? Today, we analyse the real numbers, the hidden risks, and how longer mortgages impact negative equity, borrowing capacity, property prices, and investors vs first-home buyers. 🔍 Key Topics Covered ✨ How 40–50 year mortgages really work ✨ Impact on monthly repayments & long-term interest ✨ Why banks benefit more than borrowers ✨ Negative equity risks in a falling market ✨ How longer terms affect first-home buyers ✨ Impacts on investors & borrowing capacity ✨ Will this push Australian property prices even higher? ✨ Policy contradictions: interest-only vs 50-year loans ✨ What Australia actually needs: supply, policy reform & realistic solutions Whether you're a first-home buyer, investor, or simply tracking the Australian property market, this breakdown gives you the real numbers behind one of the most controversial affordability ideas in years. 💬 Do you think 50-year mortgages would help or hurt Australia's housing market? Drop your thoughts in the comments!

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest updates on Australia's inflation, interest rates, and property market trends for 2025. Australia's inflation remains stubbornly high, with electricity and housing costs driving prices up. Despite this, the RBA has held rates steady, and now experts are questioning when the next rate cuts might actually happen. Brad and Aaron unpack what's really going on behind the scenes — from government policy to construction slowdowns, and how it's shaping home prices in Sydney, Melbourne, Brisbane, and Perth. 📊 Key Topics Covered: ⚡ Why electricity and housing costs are keeping inflation high 🏗️ How labour shortages are slowing new housing supply 💰 What rising rates mean for homeowners and first-home buyers 🏠 October price surge: Perth and Brisbane leading the market 📉 Why holding rates might actually help the economy 🔮 When the Big 4 banks predict the next rate cuts 💬 Will the First Home Guarantee Scheme push prices higher? As 2025 unfolds, Australia's housing market faces a complex mix of tight stock, high demand, and stubborn inflation. If you're a buyer, investor, or simply following the economy, this episode gives you a clear, data-driven look at where things stand — and where they're heading next.

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie dive deep into the Brisbane property market and what the upcoming 2032 Olympics could really mean for property prices, construction, and investment opportunities in Queensland. Brisbane has been one of Australia's fastest-growing housing markets, but with construction costs still rising and thousands of new homes needed before 2032, investors and homebuyers are asking the same question — will the Olympics drive another property boom or a sharp correction?📊 In this episode, Brad and Aaron break down the real numbers — from population forecasts, LGA and suburb-level data, to vacancy rates and rental yields — revealing which areas might benefit from the Olympic investment and which are at risk of overpricing. 🔍 Key Topics Covered: 🏠 Brisbane's 2025 property market overview 📈 LGA vs suburb data – where the real growth is 💼 The impact of the 2032 Olympics on Queensland's economy 🚧 Construction costs, delays, and housing shortages 📉 Post-Olympic slowdown: lessons from Sydney 2000 👩‍💼 Demographics shaping Brisbane's buyer market 📊 Best suburbs for long-term property investment

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack Australia's biggest housing challenges right now — rising unemployment, a slowing construction industry, and a record number of luxury homes for sale in Sydney. As unemployment hits a four-year high, the RBA faces a tough decision: when will the next interest rate cut come, and what will it mean for homeowners, builders, and first-home buyers? They also explore why building completion rates are falling, how labour shortages and high construction costs are creating pressure, and what the government's 1.2 million homes target by 2029 really means for the market. 🔍 Key Topics Covered 🏠 Australia's unemployment hits 4-year high 📉 What it means for RBA rate cuts and mortgages 💰 Luxury homes surge: 150+ listings over $15M in Sydney 🏗️ Building approvals collapse and completions slow ⚠️ Construction costs still 30–40% above pre-2021 levels 🏡 Housing target: 1.2 million homes by 2029 — can it happen? 💬 How these factors could shape property prices in 2025 💡 Why Watch If you're a homeowner, investor, or first-home buyer, this episode helps you understand how unemployment, rate cuts, and supply shortages are shaping Australia's property market for the year ahead. Stay informed and make smarter property decisions.

In this First Home Buyer Australia 2025 Masterclass, hosts Brad East and Aaron Downie from Talk Property To Me explain everything you need to know to buy your first home in Australia — from saving your deposit to getting pre-approval, choosing the right home loan, and avoiding costly first-time buyer mistakes. What you'll learn in this episode: 💰 How to buy your first home in Australia 2025 📊 New Home Guarantee Scheme updates – unlimited places, no income cap, higher price limits 💵 Deposit options explained – 2 % and 5 % deposit loans for first home buyers 🏡 Property price caps: Sydney $1.5 M, Melbourne $950 K, Brisbane $1 M, Adelaide $900 K, Perth $850 K ⚖️ LMI vs First Home Buyer Schemes – when you pay it and when you don't 👨‍👩‍👧 Using a parent guarantor to buy your first property sooner 💳 What banks really look at – income, statements, spending habits, credit score 📈 Offset vs Redraw – which loan feature helps you pay off your mortgage faster 🧠 Market research tips 🤝 How to make a strong offer and avoid first home buyer mistakes.

Mill Park Property: Australia's Next Growth Hotspot or Risky Buy? In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Melbourne's most talked-about suburbs — Mill Park. They reveal whether it's truly a smart buy in 2025 or if investors should look elsewhere. Located just 20 km northeast of Melbourne's CBD, Mill Park offers family lifestyle appeal, strong infrastructure, and limited housing supply — but how does it really perform for investors? Brad and Aaron analyse property prices, yields, vacancy rates, and long-term ROI forecasts to uncover whether Mill Park can still deliver strong growth in the next decade. Key Topics Covered: ✔️ Mill Park Overview – Location, Lifestyle & Demographics 🌳 ✔️ Current Property Prices & Rental Yields (2025 Data) 💰 ✔️ Why Mill Park's Growth Has Slowed Since COVID-19 📉 ✔️ Supply, Demand & Inventory Pressure Explained ✔️ Unit vs House Performance – Yield vs Growth Trade-off ✔️ 10-Year ROI Forecast: Is It Still Worth It? 📊 ✔️ Vacancy Rates, Hold Periods & Buyer Behaviour ✔️ Brad & Aaron's Final Verdict on Mill Park in 2025 🏡 If you're considering buying property in Melbourne's northeast or looking for the next growth suburb in Victoria, this episode is packed with valuable data-driven insights for investors and homebuyers alike. 👤 About the Hosts Brad East Managing Director of Wisebuy Home Loans. Award-winning mortgage broker who has helped thousands of Australians secure finance. 👉 Website → https://wisebuygroup.com.au 👉 LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ 👉 Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Aaron Downie Director of Mackenzie Buyers Agency & experienced property investor. Provides practical strategies for building wealth through Australian real estate. 👉 Website: https://www.mackenziepropertygroup.com.au/ 👉 Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest questions in Australian property: Can you really pay off your home loan in 7 years? Thousands of Aussies are spending $5,000–$10,000 on mortgage courses promising "secret hacks" to pay off your home loan faster. But do these strategies actually work? In today's show, we expose the truth behind these programs and explain what really works when it comes to paying off your mortgage early in Australia. We'll explore weekly vs fortnightly repayments, the offset vs redraw account debate, and why some methods only save you a few years while others could save you hundreds of thousands of dollars in interest. Plus, we reveal why buying an investment property could actually be a smarter and more realistic way to pay down your home loan in under 10 years. 🔍 Key Topics Covered: ✔️ Can you pay off a mortgage in 7 years in Australia? 🏡 ✔️ Weekly vs fortnightly vs monthly repayments explained 📅 ✔️ Offset vs redraw accounts – which is better? 💳 ✔️ Why "pay yourself first" is both powerful and unrealistic 💰 ✔️ Living like a poor person vs building wealth through property 📉📈 ✔️ How a $600K mortgage actually breaks down in repayments 📊 ✔️ The truth about minimum repayments & hidden costs ⚠️ ✔️ Investment property strategy: Using equity to pay off debt 💼 ✔️ 7-year vs 10-year mortgage repayment scenarios 🔄 ✔️ Rentvesting, capital growth & long-term wealth building in Australia 🌏 📊 Why This Matters Paying off your home loan is the biggest financial goal for most Australians, but the wrong strategy can keep you in debt for decades. We reveal: How much interest Australians actually pay over 30 years 💸 Why some "mortgage hacks" are just common sense repackaged 🧐 The smarter path for first home buyers and investors in 2025

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the South East Melbourne property market in 2025 — one of Victoria's fastest-growing regions. From population forecasts to affordable housing under $800K, and long-term investment opportunities, this episode is a must-watch for both first home buyers and investors. We analyse growth suburbs like Clyde North, Officer, Pakenham, and Cranbourne, explore Melbourne's first home buyer price caps, and reveal the best vs worst performing suburbs in the past decade. Plus, we discuss rental yields, vacancy rates, and the massive impact of upcoming infrastructure like the Suburban Rail Loop and Metro Tunnel. 🔍 Key Topics Covered: ✔️ South East Melbourne population growth forecast to 2046 📈 ✔️ Affordable housing markets under $800K for first home buyers 🏡 ✔️ Top performing growth suburbs: Clyde North, Officer & Pakenham 📊 ✔️ Worst performing areas & risks to avoid 🚫 ✔️ Prestige suburbs over $1.5M – Glen Waverley, Monash & Ashwood 💎 ✔️ Rental yields, vacancy rates & public housing impact 💰 ✔️ Infrastructure drivers – Metro Tunnel & Suburban Rail Loop 🚆 ✔️ Long-term investment outlook for South East Melbourne 🔮

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the biggest stories shaping the Australian property market in 2025. From Sydney's affordability crisis to the millennial exodus, we cover everything buyers, investors, and first-home buyers need to know right now. We explore the shocking gap between Sydney house prices and average incomes, the rise of regional markets like Newcastle, Central Coast, and Townsville, and even homes selling for under $100,000 in regional Australia. Plus, we discuss the RBA's spending warning, why 61% of first-home buyers are missing out on properties, and which hotspot suburbs are leading the charge in 2025. 🔍 Key Topics Covered: ✔️ Sydney affordability crisis – why house prices are out of reach 🏠 ✔️ Millennial exodus – 70,000+ leaving Sydney 🚶‍♂️ ✔️ Houses under $100K – Lightning Ridge, Tasmania & Broken Hill 💲 ✔️ First home buyer struggles – why deposits take 6+ years ⏳ ✔️ RBA warning – spending, rates & housing impacts 📉 ✔️ Top hotspots in 2025 – Townsville, Sydney's Southwest & more 📈 If you're a first home buyer, property investor, or just tracking Australia's real estate market, this episode is packed with insights to help you make smarter decisions in 2025.

Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: https://bit.ly/4f0Yadu Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: https://bit.ly/43lwpYX First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the huge changes to Australia's property market in 2025, including the new First Home Guarantee Scheme, updates to Lender's Mortgage Insurance (LMI), and what these shifts mean for first home buyers, investors, and the housing market. 👉 Subscribe to stay updated 🏡 In this show, we explain why the removal of income caps, unlimited scheme places, and a 2%–5% deposit pathway with no LMI could reshape the property market in Sydney, Melbourne, Brisbane, and across Australia. We also analyse the impact on housing affordability, property price growth predictions for 2025–2026, and what this means for both first home buyers and property investors. 🔍 Key Topics Covered: ✔️ First Home Guarantee Scheme changes – what's new in 2025 🏠 ✔️ Why Lender's Mortgage Insurance (LMI) could be "dead money" 💸 ✔️ Updated property price caps for Sydney, Melbourne, Brisbane & more 📊 ✔️ How these reforms will impact housing affordability in Australia 🏡 ✔️ Predictions for property price growth in 2026 📈 ✔️ Opportunities for first home buyers and investors 🚀 📊 As the Australian Government removes restrictions and expands buyer incentives, the property market could see a surge of new entrants. We unpack expert forecasts predicting up to 10% growth in the sub-$1M property market, the pressure this places on supply, and whether 2025 is the right time to buy.

Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: https://bit.ly/4f0Yadu Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: https://bit.ly/43lwpYX The 5 Biggest Myths About Australia's Property Market Revealed In this episode of Talk Property To Me, hosts Brad East (award-winning mortgage broker) and Aaron Downie (buyers agent & investor) bust the 5 biggest Australian property myths for 2025—and show how to avoid costly mistakes. If you've heard you must have a 20% deposit, that capital cities always outperform, that negative gearing is a smart strategy by itself, that buying off-the-plan is "safe", or that all debt is bad… this episode is for you. 🔍 What you'll learn: 🏦 20% Deposit Myth & LMI (Lenders Mortgage Insurance): How first-home buyers can use 5% deposits, Home Guarantee Scheme, and Shared Equity Scheme (from Jan 2026) to get in sooner—plus when LMI can make sense in high-growth areas. 🌆 Capital Cities vs Regional Markets: Why regional Australia (e.g., Newcastle, Ballarat, Bendigo, Wagga, Dubbo) can outperform Sydney/Melbourne/Brisbane in certain cycles. 💰 Tax Saving ≠ Investment Strategy: The limits of negative gearing and why cash flow, yield, and long-term capital growth matter more. 🏗️ Off-the-Plan Risks: Pricing for "two years ahead", valuation shortfalls, rent + mortgage overlap, and when short settlement windows can work. 📈 Good Debt vs Bad Debt: Why owner-occupier debt can still build wealth via capital growth and equity—plus how to leverage it smartly. Whether you're a first home buyer, upgrader, or property investor in Sydney, Melbourne, Brisbane or regional hubs, this 2025 guide helps you navigate mortgages, deposits, LMI, off-the-plan, negative gearing, and debt strategies with confidence.

Australia Property Market 2025 – 5 Shocking Things You Must Know In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the latest insights on the Australia property market 2025. From housing affordability issues to Sydney's underquoting scandal and Adelaide's record-breaking property sale, this episode delivers the most important real estate trends shaping the year ahead. 📊 Key Topics Covered in This Episode: ✔️ Australia housing market 2025 – affordability crisis deepens 📉 ✔️ 24 affordable homes disappearing every day – what it means for buyers 🏡 ✔️ Shared Equity Scheme 2026 – government support for first-home buyers 💰 ✔️ Sydney underquoting problem: shocking examples of 50%+ price jumps ⚡ ✔️ Adelaide's record $216M sale and its impact on investors 📈 ✔️ Luxury homes and wellness trends – how lifestyle features drive value ✨ ✔️ Will property prices keep rising or slow down in 2025? 🔮 Whether you're a first-home buyer, a property investor, or following Australia's housing market trends, this episode covers the data, insights, and forecasts you need to navigate today's real estate landscape.

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie take you deep inside the Australia luxury property market for 2025 — from $13M homes in Randwick to $26M rural estates in Robertson. Discover how high-end buyers are navigating the market, why luxury rental yields are surprising everyone, and how "rentvesting" is becoming a smart move for professionals priced out of ownership. 👉 Subscribe now to stay updated: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w We break down the top-end of Sydney's market, with real examples of record-breaking sales and ultra-premium rentals. Plus, learn what it actually costs to service a $20M+ mortgage in Australia today, and why some prestige properties are offering more than just luxury — they're delivering real investment upside. 🔍 Key Topics Covered in This Episode: ✔️ Greater Sydney's most expensive recent sales 💰 ✔️ Is $9,500/week rent really "worth it" in Point Piper? 🏡 ✔️ Why wealthy buyers are renting multimillion-dollar homes 📉 ✔️ Record sales in Randwick & Middle Dural explained 📊 ✔️ Inside the $26M Robertson estate (80 hectares!) 🌳 ✔️ Are prestige homes a smarter investment in 2025? 📈 Whether you're a seasoned investor, aspiring homeowner, or just curious about Australia's most expensive properties — this episode is packed with insights, real numbers, and strategy.

Greater Sydney Population Surge! Top Growth Suburbs to Watch Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: https://bit.ly/4f0Yadu Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: https://bit.ly/43lwpYX In this episode of Talk Property To Me, hosts Brad East and Aaron Downie uncover the massive population growth forecast for Greater Sydney, Newcastle, Illawarra, and the Hunter region – and what it means for property investors and home buyers. We break down which suburbs are set to explode in population and demand by 2041, including Camden, Woolloondilly, Shellharbour, Maitland, and Shoalhaven. With Sydney expected to gain 1.4 million new residents and regional NSW seeing double-digit growth, these areas are becoming investor hotspots. Whether you're a property investor, first-home buyer, or simply want to understand where NSW's property market is heading, this episode is packed with valuable insights to help you plan your next move. 👉 Subscribe to our channel for weekly property market updates: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w Key Topics Covered: ✔️ Greater Sydney's population boom – 1.4M new residents by 2041 🌆 ✔️ Suburbs leading NSW growth: Camden, Woolloondilly & The Hills District 🏡 ✔️ Newcastle, Illawarra & Shoalhaven – regional growth hotspots 📈 ✔️ Hunter region highlights: Maitland (49%) & Cessnock (40%) 🔥 ✔️ What this means for property prices & investment strategies 💰

Townsville Property Boom 2025: How Long Can It Last? Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: https://bit.ly/4f0Yadu Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: https://bit.ly/43lwpYX In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the incredible property boom happening in Townsville, where some suburbs have seen up to 160% growth in just five years. Is this growth sustainable, or are we headed for a market correction? We dive into the latest data on property prices, rental yields, and housing supply shortages. Plus, we analyse the Queensland Government's $90,000 subdivision incentives, modular housing programs, and massive infrastructure investments that are reshaping the Townsville market. Whether you're an investor looking for your next opportunity or a local homeowner wondering about long-term trends, this episode is packed with actionable insights to help you understand where the Townsville property market is heading next. 👉 Subscribe to my channel to stay updated: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w 🔍 Key Topics Covered: ✔️ Why Townsville property values have doubled in five years 📈 ✔️ Suburb hotspots with 30%+ annual growth 🏡 ✔️ The impact of supply shortages and population migration 🌏 ✔️ Government housing incentives and infrastructure spending 🏗️ ✔️ Are modular homes and subdivisions the solution? 🏠 ✔️ Short-term flipping vs long-term property investing strategies 💰 ✔️ Will Townsville prices stabilise or keep booming? 🔮

Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: https://bit.ly/4f0Yadu Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: https://bit.ly/43lwpYX 📉 Will Interest Rates Finally Drop in 2025? | July RBA Decision Explained In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the RBA's July 2025 decision — and why it shocked 96% of economists who predicted a rate cut. Whether you're a homebuyer, investor, or just keeping an eye on the economy, this episode gives you the insights you need to understand what's next for interest rates and the property market. 👉 Subscribe to the channel for more: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w In this episode, we explore what the RBA's decision means for Australian homeowners, investors and first-home buyers. Despite cooling inflation and surging housing demand, the RBA held rates steady — but how long can that last? We cover the ongoing housing supply crisis, expected wage growth, refinancing opportunities, and what the Big 4 banks are forecasting for the rest of 2025. 🔍 Key Topics Covered: ✔️ Why the RBA surprised the market in July 🔍 ✔️ Economists vs. RBA: who's right on rate cuts? 🧠 ✔️ Housing supply crisis: 460K homes short by 2029 🏚️ ✔️ How much could a 0.5% cut save you monthly? 💰 ✔️ The first-ever split vote in RBA history ⚖️ ✔️ What's next for interest rates in August 2025? 📆 ✔️ Why this could be a buying opportunity 🏡 If you're looking to buy, refinance, or just stay ahead of market trends, this episode has everything you need to understand the path forward for property in Australia.

The Rise of Regional NSW: 600,000 New Reasons to Watch These Towns In this episode of Talk Property To Me, Brad East and Aaron Downie explore the explosive population growth projected for Regional New South Wales—and what it means for property investors in 2025 and beyond. With 600,000 new residents expected to move into these areas by 2041, this episode uncovers the suburbs to watch, the infrastructure that's (not) keeping up, and the investment opportunities you shouldn't miss. 👉 Subscribe for more expert property insights: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w New data from the 2024 NSW Infrastructure Report reveals which regional towns are poised for major growth, including Wagga Wagga, Albury, Coffs Harbour, Port Macquarie, and Orange. But with aging populations, low housing supply, and rising insurance costs, is the hype justified? Brad and Aaron break down the numbers, challenges, and opportunities in this must-watch episode for every serious investor. 🔍 Key Topics Covered ✔️ NSW regional population forecast – 600,000 new residents by 2041 📈 ✔️ Towns with the highest projected growth: Wagga, Albury, Dubbo, and more 🏡 ✔️ Coastal migration and tree-changers – who's really moving and why 🌊🌳 ✔️ Supply shortages, infrastructure lags, and housing pressure 🚧 ✔️ Top risks: ageing demographics, low job creation & flooding risks ⚠️ ✔️ Where to invest: hospitals, universities, and low-vacancy suburbs 🏥🎓 ✔️ How to buy smart and resell to cashed-up retirees 💰 As regional markets explode with new demand, smart investors are already planning for the future. Whether you're looking to invest now or understand what's coming next, this episode delivers insights backed by government data, market logic, and years of experience.

5 Luxury Homes That SHOCKED Australia's Property Market (June 2025) In this episode of Talk Property To Me, Brad East and Aaron Downie reveal Australia's Top 5 Luxury Property Sales for June 2025. From a $55 million waterfront mansion in Point Piper to record-breaking sales in Manly and Toorak, we explore the most impressive real estate deals across Sydney, Melbourne, and Queensland. Stay with us as we uncover the stunning features, estimated repayments, and exclusive off-market purchases that are shaping Australia's high-end property market. 👉 Subscribe to the channel for more property insights: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w 🔍 Key Topics Covered: ✔️ $55 Million Harbourside Mansion in Point Piper 🏠 ✔️ Luxury Waterfront Estate in Sorrento, QLD 🌴 ✔️ Manly Beachfront Home Breaks Sales Record 🌊 ✔️ Byron Creek Estate – 17 Bedrooms & Wedding Venue 💍 ✔️ Off-Market Multi-Million Dollar Sale in Toorak 💎 ✔️ Massive $141 Million Penthouse Preview for July 🚨 We also discuss estimated mortgage repayments for these extraordinary properties, unique ownership structures in Manly, and why Byron Creek offers more than just luxury—it's a lifestyle investment.

Australia's 2026 Property FORECAST: Where Prices Will BOOM (and Drop) In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down Australia's 2026 property market forecast. Find out which capital cities are predicted to boom, which may slow down, and what this means for investors, first home buyers, and upgraders. Stay tuned to learn the latest data and expert insights you need to make smart property decisions in 2026. 👉 Subscribe to my channel to stay tuned: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w In this show, we explore Domain's newest predictions revealing a 6% rise in house prices and a 5% increase in unit prices across Australia's capital cities. We cover key markets like Sydney, Melbourne, Brisbane, Adelaide, Perth, and Canberra, analyzing affordability challenges, interest rate cuts, first home buyer incentives, and supply shortages. Whether you're an investor or a first-time buyer, this episode is packed with essential advice on navigating the property market in 2026. 🔍 Key Topics Covered: ✔️ 2026 Australian property market forecast – city by city 📈 ✔️ Impact of interest rate cuts and government support 🏠 ✔️ First home buyer incentives and market entry tips 💰 ✔️ Affordability challenges and supply shortages explained 🏘️ ✔️ What investors and upgraders need to know 🔑 ✔️ Predictions for house and unit price growth by capital city Stay ahead in the property game with insights from experts Brad East and Aaron Downie.

5 PROPERTIES Under $650K You Can Buy RIGHT NOW in Australia! In this episode of Talk Property To Me, hosts Brad East and Aaron Downie reveal 5 real properties under $650K that are currently available across Australia. From New South Wales to Tasmania and Victoria, we break down why these affordable markets could deliver strong capital growth over the next 12–24 months. 🏡💸 If you're a first-home buyer, investor, or looking for your next portfolio addition, this episode is packed with actionable insights, suburb metrics, and investment tips to help you buy smarter in 2025. 👉 Subscribe to the channel to stay updated: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w 🔍 Key Topics Covered: ✔️ 5 properties you can buy now for under $650K ✔️ Regional markets with real growth potential ✔️ Why we're avoiding Perth, Brisbane & Adelaide (for now) ✔️ Key data: vacancy rates, infrastructure spend, rental yields ✔️ How to find low-risk suburbs with consistent long-term growth ✔️ The #1 property we'd personally recommend to a client These aren't just hypothetical picks — Brad and Aaron have handpicked each one based on real numbers, experience, and strategy. Whether you're building a portfolio or buying your first home, this breakdown will give you the edge in today's changing market.

Top 6 Newcastle Suburbs to INVEST in 2025 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie uncover the top-performing suburbs in Newcastle that investors and homebuyers should keep an eye on for 2025. Whether you're after capital growth, infrastructure investment, or long-term rental yield, this episode delivers data-backed insights to help you make smart property decisions. 👉 Subscribe to the channel for weekly real estate insights: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w We deep dive into 6 high-potential suburbs—Adamstown Heights, Charlestown, Macquarie Hills, Merriweather Heights, New Lambton Heights, and Elibana—covering their growth stats, buyer trends, infrastructure projects, and future potential. We also contrast Newcastle's strong fundamentals with riskier investment areas like Redbank Plains in Brisbane to show why Newcastle may outperform in 2025. 🔍 Key Topics Covered: ✔️ Newcastle's top 6 suburbs for capital growth in 2025 ✔️ What's driving demand in Adamstown Heights & Charlestown ✔️ Infrastructure-led growth in Macquarie Hills ✔️ Why Merriweather Heights is a prestige suburb with limited supply ✔️ How New Lambton Heights balances lifestyle with strong metrics ✔️ Elibana's lakeside charm & downsizer appeal ✔️ Investment risks in Redbank Plains and outer Brisbane ✔️ Why Newcastle could be a better bet for investors in 2025 As always, Brad and Aaron bring their unique investor perspective—backed by real numbers and local knowledge—to help you stay ahead in a changing market.

Buying your first home in Australia? Chances are, you're making at least one of these costly mistakes — and it could be the difference between getting approved or getting rejected, overpaying or negotiating like a pro. In this episode of Talk Property To Me, we unpack the most common (and avoidable) first home buyer mistakes we see every week in 2025: ✅ How to clean up your bank statements before applying for a loan ✅ Why showing too much emotion at open homes can backfire ✅ The #1 thing you should never tell a real estate agent ✅ What to expect (and not expect) when buying older homes ✅ Why you shouldn't blindly trust the agent's pest and building report ✅ What to know before buying property with a friend Whether you're looking to buy in Sydney, Melbourne, Brisbane or regional Australia — this episode is packed with first home buyer tips, real-world insights, and things your mortgage broker wishes you knew before making an offer. 🎯 Perfect for: First home buyers in Australia, 2025 property market watchers, and anyone trying to avoid rookie real estate mistakes. About The Hosts Brad East Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial Isaiah Huthnance Isaiah specialises in helping first home buyers get into the market sooner. With a reputation for cutting through the jargon and making the home loan process simple, Isaiah takes all the hard work out of securing finance for first home buyers. He helps first time buyers navigate government schemes, low deposit options, stamp duty exemptions, and even guarantor loans, making what feels out of reach suddenly possible. His clients know him for straight answers, quick turnarounds, and personalised advice. Links: https://www.instagram.com/isaiahhuthnancemortgagebroker/ https://www.facebook.com/profile.php?id=61572200780660 https://www.tiktok.com/@isaiahmortgagebroker https://au.linkedin.com/in/isaiah-huthnance-b02643145

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the potential impact of Australia's upcoming federal election on the housing market, lending conditions, and investor confidence. From proposed tax reforms to housing affordability policies, they explore what a change in government—or a mandate to stay the course—could mean for everyday buyers, sellers, and property investors. 🔍 What You'll Learn: ✅ Key election policies that could reshape the real estate landscape ✅ How political uncertainty affects buyer behavior and market sentiment ✅ What first-home buyer incentives may look like under each party ✅ Investor tax treatment: What might change and how to prepare ✅ Rental market pressures and what candidates plan to do about it ✅ How election results can influence RBA decisions and interest rates ✅ Opportunities for savvy investors during election cycles 📉 Key Insight: Political cycles often cause market hesitation—but for informed investors, they can present rare buying opportunities and long-term advantages. 💬 Are we heading toward a more regulated or investor-friendly housing future? Brad and Aaron weigh in on the latest election talk. ⏰ Timestamps: 00:00 – Introduction and Overview 00:45 – Political Uncertainty and Buyer Sentiment 02:15 – Key Election Housing Promises 04:30 – Investor Policy Changes: Gearing & CGT 06:00 – Rental Crisis & Affordable Housing 08:20 – Post-Election RBA and Rate Forecast 10:10 – Buyer Hesitation and Timing the Market 12:00 – First-Home Buyer Scheme Comparisons 14:00 – Investor Strategy in Election Cycles 16:15 – SMSFs Amid Policy Shifts 18:00 – Capital Gains Tax Planning 20:10 – Election Night: What to Watch 22:30 – Final Thoughts & Takeaways 🎙 ABOUT THE HOSTS 🔹 Brad East – Award-winning mortgage broker & founder of Wisebuy Home Loans. Known for helping Aussies secure finance when the banks say no. 🌐 Website → https://wisebuygroup.com.au 🔗 LinkedIn → / newcastlemortgagebroker 📷 Instagram → / bradeast_mortgagebroker 👍 Facebook → / bradeastofficial 🔹 Aaron Downie – Property strategist & director of Mackenzie Buyers Agency. A seasoned investor helping others build smart, resilient portfolios. 🌐 Website → https://www.mackenziepropertygroup.co... 🔗 LinkedIn → / aaron-downie-1b2749134 📢 Subscribe for more actionable insights on Australia's property and economic landscape! #AustralianElection2025 #PropertyMarketAustralia #HousingPolicy #NegativeGearing #InterestRates #RBADecisions #RentalCrisis #FirstHomeBuyers #SMSF #TalkPropertyToMe #BradEast #AaronDownie

In this episode of Talk Property To me, hosts Brad East and Aaron Downie explore the impact of Trump's tariffs on the Australian property market and self-managed super funds (SMSFs). We begin by discussing Trump's use of tariffs as a negotiation tool, particularly with China and the U.S., and how these policies have led to significant volatility in global markets, including a $71 billion loss in the ASX. While the direct effects on Australia have been limited, we highlight the challenges faced by Australian e-commerce businesses reliant on Chinese goods now subject to steep tariffs. The conversation shifts to the property market, where we discuss the Reserve Bank of Australia's (RBA) focus on stimulating the economy, which may lead to anticipated interest rate cuts. We explain how these cuts could benefit homeowners and potential buyers by driving property prices up. We also advocate for the advantages of SMSFs in property investment, comparing potential returns from real estate to traditional industry funds. We outline the steps to set up an SMSF and emphasize the importance of viewing initial costs as an investment in future wealth. Finally, we touch on the potential effects of tariffs on the Australian dollar and foreign investment, and we tease our next episode, which will cover recent changes in zoning laws that could simplify building approvals. Join us for this insightful discussion on navigating the intersections of global trade, local property markets, and investment strategies for your financial future. 00:00:00 - Introduction and Overview Welcome back to Talk Property Toomey, discussing Trump's tariffs, property, and self-managed super fund opportunities. 00:00:23 - Rate Cut Predictions Exploring the latest predictions on interest rate cuts and their implications for listeners. 00:00:39 - Trump's Tariffs and Economic Impact Discussion on Trump's use of tariffs as a leverage tool and its effects on the global economy. 00:01:50 - Direct and Indirect Effects on Australia Analyzing the limited direct impacts on Australia and the indirect effects on trade with China and Japan. 00:03:44 - E-commerce Challenges Impact of tariffs on Australian e-commerce stores reliant on Chinese goods for exports to the US. 00:05:00 - Market Volatility and Property Investment The significant capital loss in the ASX and the stability of property as an investment. 00:05:49 - RBA's Shift in Focus The RBA's change from worrying about inflation to stimulating the economy through potential rate cuts. 00:06:39 - Panic Selling in Stock Markets Understanding the effects of panic selling on market stability and individual investment strategies. 00:07:43 - Self-Managed Super Funds vs. Industry Funds Exploring the benefits of self-managed super funds and property investment over traditional industry funds. 00:09:48 - Compounding Growth in Property The advantages of property investment in self-managed super funds and its long-term growth potential. 00:10:57 - Setting Up a Self-Managed Super Fund Steps to establish a self-managed super fund and the importance of commitment in the process. 00:12:10 - Cost vs. Opportunity in Investments Encouraging a focus on long-term wealth creation rather than immediate costs associated with setting up a fund. 00:12:21 - Current Cash Rate and Future Predictions Discussion on the current cash rate and predictions for future rate cuts by the RBA. 00:13:25 - Impact of Rate Cuts on Home Loans How potential rate cuts could affect home loan repayments and savings for homeowners. 00:15:15 - Negotiating with Lenders Advice on keeping banks accountable and negotiating better rates for home loans. 00:15:48 - Foreign Investment and the Australian Dollar Potential impacts of tariffs on the Australian dollar and implications for foreign investment. 00:16:12 - Upcoming Topics on Zoning Laws Preview of the next episode discussing changes in zoning laws and building approvals. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie dive into the world of commercial real estate with Steve Palise, Australia's top commercial property expert. Discover whether commercial investing is the key to passive income or a hidden risk—and learn how to navigate this lucrative market. 🔍 What You'll Learn: ✅ Residential vs. Commercial – Which offers better cash flow and capital growth? ✅ Lease Structures & Net Yields – Why tenants cover all outgoings (unlike residential). ✅ Deposit Hurdles & Finance – Why 30-35% deposits are standard (and how lease-stock loans unlock endless deals). ✅ Industrial vs. Retail vs. Office – Safest asset types (and red flags to avoid). ✅ Vacancy Risks – Strategies to minimize vacancies (hint: industrial dominates Sydney's 0% vacancy zones!). ✅ Value-Add Goldmines – From mezzanine floors to multi-tenancy splits (boost returns without guesswork). ✅ Who's It For? – Newbies vs. seasoned investors: Who should take the plunge? ✅ Real-Deal Case Study – Steve's $3.1M shopping centre (yielding $100K/year passively). 📉 Myths Busted: ❌ "Commercial doesn't grow" – Steve proves it matches residential growth (with 3x rent!). ❌ "Too risky" – Not in high-demand areas (e.g., Sydney's industrial hubs). 💡 Key Insight: Commercial property can fast-track financial freedom—if you avoid rookie mistakes. Steve shares how to build a portfolio that pays you. 🔗 Free Resources: Grab Steve's books & 10-hour course (CommercialPropertyInstitute.com). 💬 Your Turn: Should you pivot from residential to commercial? Comment below! ⏰ Timestamps: 00:00 – Intro to Commercial Investing 02:10 – Residential vs. Commercial: Cash Flow Showdown 05:25 – Lease Secrets (Tenants Pay Everything!) 08:40 – Deposits & Lease-Stock Loans Demystified 12:15 – Best/Worst Assets (Industrial Wins, Retail Risks) 16:40 – Vacancy-Proof Strategies (Buffer Funds, Location Hacks) 20:20 – Value-Add Masterclass (Mezzanines, Splitting Tenancies) 25:05 – Who Should Invest? (Spoiler: Not Just Experts) 28:50 – Case Study: $3.1M Shopping Centre ($100K/Year Passive) 32:00 – Free Tools & Final Tips 🎙 Featured Guests: 🔹 Steve Palise – Founder of Palise Property, commercial buyer's agent, and author of Commercial Property Investing series. 🌐 https://www.paliseproperty.com/ | 📚 CommercialPropertyInstitute.com 🔹 Brad East – Award-winning mortgage broker (Wisebuy Home Loans). 🌐 Website → https://wisebuygroup.com.au 🔗 LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ 📷 Instagram → https://www.instagram.com/bradeast_mortgagebroker/ 👍 Facebook → https://www.facebook.com/bradeastofficial 🔹 Aaron Downie – Property strategist & buyers agent (MacKenzie Buyers Agency). 🌐 Website → https://www.mackenziepropertygroup.com.au/ 🔗 LinkedIn → https://www.linkedin.com/in/aaron-downie-1b2749134/ 📢 Subscribe for actionable property insights! #CommercialProperty #PassiveIncome #PropertyInvesting #RealEstateAustralia

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest rental market trends in Australia for 2025. With rental prices dropping in key areas across Sydney, Brisbane, and Melbourne, what does this mean for renters and landlords? We analyze the PropTrack report from September 2024, which reveals that many Local Government Areas (LGAs) in Sydney are now seeing renters paying below advertised rents. Suburbs like Woollahra, North Balgowlah, and McLeod (Melbourne) have experienced significant rent declines, while Brisbane's rental prices have dropped by 5-7%. 🔍 Key Topics Covered: ✔️ Why rental prices are falling in 2025 📉 ✔️ Sydney rental market update – suburbs seeing major drops 🏡 ✔️ Brisbane's rental decline – what's driving the shift? 🌆 ✔️ How renters can negotiate better lease renewals 💰 ✔️ Impact on first-home buyers & future property trends 🏠 ✔️ Will rental prices continue to drop in 2026? 🔮 As the market stabilizes after years of rent gouging and high demand post-COVID, we explore what's next for tenants and landlords. If you're renting or considering buying, this episode is packed with insights and strategies to help you navigate the evolving property landscape. 🔔 Subscribe for more property market insights & expert analysis! 00:00:00 - Introduction to the Rental Market in 2025 00:00:13 - Decline in Rental Prices 00:01:02 - Impact of COVID-19 on Rental Demand 00:02:28 - Market Stabilization and Current Trends 00:03:48 - Regional Insights: Sydney and Brisbane 00:05:08 - Melbourne and Adelaide Rental Trends 00:06:51 - Future Predictions for the Rental Market 00:07:39 - Vendor Expectations vs. Market Reality 00:08:53 - Advice for Renters: Negotiating Leases 00:10:45 - Invitation for Property Managers to Join the Discussion ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive deep into the impact of recent RBA rate cuts on your borrowing capacity and mortgage repayments. We kick things off by discussing the common sentiment we've heard from potential buyers: "I'm going to wait for rates to go down before I make a purchase." We aim to break down this mindset and illustrate the opportunity cost of waiting in the current market. To provide context, we present a simple case study featuring a couple with no children, each earning $80,000 annually. Using a Big 4 lender as our example, we analyze how a recent rate cut from 6.18% to 5.93% increased their borrowing capacity by $17,000, bringing it to $799,000. While this is a positive change, we highlight that property values have been rising, with a typical Newcastle property increasing by 5% this year alone. This means that waiting for a rate reduction could actually cost buyers more in the long run, as property prices continue to climb. We also speculate on the potential for another rate cut, which could further increase borrowing capacity to $820,000. However, we emphasize that many homeowners may not even be aware of their current interest rates, with over 41% of Australians not knowing what they are paying. We challenge our listeners to check their rates and consider the significant savings that could be achieved by refinancing. Throughout the episode, we stress the importance of acting promptly in the property market. We discuss the compounding effect of property investment and how waiting for the "perfect" moment can lead to missed opportunities. We encourage listeners to adapt to the current market conditions and make informed decisions based on their borrowing capacity. As we wrap up, we provide insights into how rate reductions affect mortgage repayments, illustrating the savings across various loan sizes. We also share tips on how to negotiate better rates with banks and the importance of not being loyal to lenders who may not have your best interests at heart. Join us as we unpack these critical topics and empower you to take control of your property journey. Don't forget to reach out to us on social media with your questions or comments—we're here to help! Thank you for tuning in, and we look forward to seeing you in the next episode! 00:00:00 - Introduction to RBA Rate Cuts and Borrowing Capacity 00:00:13 - Opportunity Cost of Waiting to Buy 00:00:34 - Case Study: Borrowing Capacity of a Couple 00:01:23 - Impact of Rate Cuts on Borrowing Capacity 00:02:35 - Market Growth vs. Increased Borrowing Capacity 00:03:38 - The Importance of Knowing Your Interest Rate 00:04:46 - The Cost of Waiting to Buy Property 00:06:48 - Adapting to the Current Market Conditions 00:08:08 - Understanding Compounding in Property Investment 00:09:14 - Investing for the Long Term 00:10:16 - Avoiding Ego-Driven Investments 00:10:27 - Effects of Rate Reductions on Loan Repayments 00:11:07 - Savings from Rate Reductions Explained 00:12:20 - The Importance of Knowing Your Current Rate 00:13:07 - Negotiating with Your Bank for Better Rates 00:14:01 - Understanding Bank Loyalty and Discounts 00:15:02 - The Role of Algorithms in Bank Rate Adjustments 00:16:18 - Avoiding Loyalty to Banks 00:17:17 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

In this episode of "Talk Property," hosts Brad East and Aaron Downie welcome Emily Wallace, a seasoned buyers' agent based in Melbourne, to discuss the dynamic property market in the city. With a focus on the current trends, challenges, and opportunities, Emily shares her insights on the Melbourne real estate landscape, particularly for first-time home buyers and investors. Key Highlights: Introduction to Emily Wallace: Emily introduces herself as the director of a buyers' agency in Melbourne, where she assists first-time buyers and families in navigating the property market. She emphasizes the importance of location, accessibility to the city, and proximity to good schools in the buying process. Market Overview: The conversation delves into the historical capital growth trends in Melbourne over the past 20 years. Emily notes that while the market has experienced fluctuations, the overall trajectory has been upward, particularly in sought-after areas. Current Market Dynamics: Brad and Aaron discuss the recent population growth in Melbourne, which has seen an influx of residents from other states, particularly Sydney and Brisbane. Emily highlights the affordability factor that draws people to Melbourne, where property prices are significantly lower than in Sydney. First-Time Buyers vs. Investors: Emily reveals that about 70% of her clients are first-time buyers, with the remaining 30% being upsizers and downsizers. She explains that while first-time buyers are primarily focused on lifestyle, they also consider the investment potential of their properties. Property Types and Trends: The discussion shifts to the types of properties that are currently in demand. Emily points out that unrenovated villa units and townhouses are particularly appealing to buyers looking for value and potential for capital growth. She also addresses the oversupply of poorly designed apartments and the need for more medium-density housing. Challenges in the Market: The hosts and Emily discuss the challenges posed by rising rents and the desire for stability among renters. Many first-time buyers are opting to purchase homes to secure their living situation rather than continuing to rent. Future Outlook: Emily shares her thoughts on the future of the Melbourne property market, emphasizing the need for developers to focus on building the right types of properties to meet demand. She also discusses her plans for her agency, including growing her team and setting industry benchmarks for buyers' advocates. Practical Tips for Buyers: Emily offers practical advice for potential buyers, including the importance of researching neighborhoods and speaking to current residents to gauge the community vibe. She also highlights the significance of having a clear plan and understanding one's goals before making a property purchase. This episode is packed with valuable insights for anyone interested in the Melbourne property market, whether you're a first-time buyer, an investor, or simply curious about the trends shaping the industry. Join us as we unpack the complexities of property buying in one of Australia's most vibrant cities! 00:00:00 - Podcast Introduction 00:01:12 - Emily's Background 00:02:40 - Market Trends 00:03:43 - Client Demographics 00:05:25 - Current Market Conditions 00:06:36 - Affordability Trends 00:08:46 - Lifestyle Preferences 00:10:35 - Rent Vesting vs. Owner Occupation 00:12:23 - Neighbor Relations 00:16:42 - Supply and Demand Issues 00:20:01 - Investment Opportunities 00:22:34 - Renovation Potential 00:24:44 - Future Plans 00:25:45 - Contact Information 00:27:25 - Podcasting Insights 00:29:12 - Networking Importance 00:31:20 - Industry Reflections

Welcome back to another insightful episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the current economic landscape in Australia, focusing on the latest trends in inflation and interest rate predictions. We kick off the discussion by examining the recent decline in Australia's inflation rate, which has dropped to 2.5% in the December quarter from 2.8% in the previous quarter. We break down the components of inflation, distinguishing between goods inflation (currently at 0.8%) and services inflation (still high at 4.3%). We clarify what constitutes goods inflation—physical items like groceries, fuel, and building costs—and services inflation, which includes non-physical items such as rent, healthcare, and education. As we explore the factors influencing these inflation rates, we highlight the impact of supply chain issues, global oil prices, and labor costs. We discuss how recent wage increases, driven by government policies, have led to higher operational costs for businesses, which in turn affects consumer prices. We also touch on the effects of the COVID-19 pandemic on sectors like education, particularly regarding the influx of foreign students. The conversation shifts to the rental market, where we note early signs of decreasing rental prices, which could significantly impact overall inflation figures. We emphasize the importance of rent as a substantial component of services inflation and how its decline could lead to a more favourable economic environment. We then delve into the implications of potential interest rate cuts, particularly the 80% market odds for a 0.25% rate cut in February 2025. We discuss how lower interest rates could enhance affordability for first-time buyers and stimulate growth in the property market. However, we caution that waiting for these reductions might lead to missed opportunities as property values may rise in the interim. In addition, we analyse the broader economic context, including the influence of U.S. market trends on Australia and the potential impact of the upcoming election on government spending and inflation. We break down the differing approaches of the Labor government and the opposition, highlighting how changes in government policy could affect inflation levels. As we wrap up, we encourage listeners to take proactive steps in negotiating rent reductions and mortgage rates, emphasizing the importance of communication with landlords and banks. We conclude on a hopeful note, suggesting that the economic outlook for 2025 and beyond appears promising, with signs of recovery and growth on the horizon. Join us for this engaging discussion, and as always, we welcome your feedback and topic suggestions for future episodes. Catch you next time on Talk Property To Me! 00:00:00 - Introduction to Inflation and Interest Rates in Australia 00:00:10 - Current Inflation Rates Overview 00:00:27 - Understanding Goods vs. Services Inflation 00:00:40 - Headline Inflation Figures Explained 00:01:43 - Impact of Goods Inflation on Retailers 00:02:04 - Services Inflation and Its Drivers 00:02:42 - COVID-19's Effect on Education Sector Prices 00:03:28 - Childcare Costs and Insurance Implications 00:04:35 - Rental Prices and Their Impact on Inflation 00:05:00 - Potential Decrease in Rental Prices 00:05:23 - Effects of Rate Cuts on Property Buyers 00:05:53 - Bank Predictions and Fixed Rates 00:06:17 - Understanding Bank Strategies with Fixed Rates 00:07:06 - Global Economic Influences on Australian Inflation 00:08:41 - Local Factors Affecting Interest Rates 00:09:10 - Historical Trends: Australia Following the U.S. 00:10:47 - Political Landscape and Its Economic Implications 00:11:20 - Odds of a Rate Reduction in February 2025 00:12:15 - Arguments For and Against Rate Cuts 00:12:40 - Impact of Rate Cuts on Rental Markets 00:13:34 - Negotiating Rent Reductions as a Tenant 00:14:17 - Wrap-Up: Future Economic Outlook 00:14:58 - Conclusion and Additional Resources ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into seven significant trends reshaping the property market as we look ahead to 2025. We kick off the discussion by highlighting the rise of millennials as the largest adult cohort in Australia. This demographic shift is crucial as millennials have different preferences compared to previous generations, particularly when it comes to property. They are leaning towards smaller homes closer to urban centers, which ties into our fourth trend: shrinking backyards. We explore how the desire for lifestyle options and proximity to amenities is influencing property demand and supply dynamics. Next, we discuss the concept of stepping stones in home ownership. With the market becoming increasingly challenging to navigate, many are opting for smaller apartments or townhouses as a way to enter the property market, rather than waiting to save for their dream home. We emphasize that for first-time buyers, this is often just the beginning of their property journey. We then delve into new pathways for home ownership, including government schemes aimed at assisting first-time buyers. While we acknowledge the potential of co-buying and rent-to-own models, we express scepticism about their long-term viability as primary market drivers. Instead, we highlight the importance of investment strategies that allow buyers to explore properties in different locations, potentially leading to better long-term outcomes. As we move through the trends, we touch on the growing demand for green homes. With millennials increasingly conscious of climate change and energy costs, features like solar panels and smart home technology are becoming essential for many buyers. We discuss how these elements can significantly impact property value and buyer interest. The conversation shifts to urban sprawl, where we note that metropolitan areas are expanding outward. This trend is largely driven by affordability, as buyers seek homes that offer a balance between distance from the city and access to amenities. Finally, we address the rise of renters in the current market. With home ownership rates declining, we see a growing number of renters, which presents unique opportunities for property investors. We discuss how this trend can drive up rental returns and create a competitive landscape for investment. In conclusion, we summarize these seven trends and encourage our listeners to consider them when developing their property strategies for the coming year. We invite feedback and suggestions for future topics, reminding everyone to like, subscribe, and join us for our next episode. Thank you for tuning in! 00:00:00 - Introduction to Property Trends 00:00:13 - Millennials as the Largest Adult Cohort 00:01:14 - Stepping Stones to Home Ownership 00:02:11 - New Pathways for First-Time Buyers 00:04:12 - Shrinking Backyards and Lifestyle Preferences 00:05:42 - Demand for Green Homes 00:07:03 - Urban Sprawl and Affordability 00:08:00 - Rise of Renters and Investment Opportunities 00:08:31 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

Welcome back to another episode of Talk Property to Me! I'm your host, Aaron Downie, and alongside me is my co-host, Brad East. In this episode, we dive into a comprehensive wrap-up of the property market for 2024, discussing the performance of major capital cities and regional centres across Australia over the past year. We kick things off by addressing the financial landscape, noting that the cash rate has remained unchanged at 4.3% since November 2023. This stability has led to a rather uneventful year in terms of interest rates, yet we highlight some remarkable growth in property values, particularly in Perth, which saw an impressive increase of up to 30%. We also discuss the significant drop in inflation and the recent decision by the Reserve Bank of Australia (RBA) to split its board into two separate entities—one focusing on monetary policy and the other on government spending. This change aims to create a more balanced approach to managing inflation without penalizing homeowners. As we delve deeper into the property market, we analyse the annual growth rates across various cities. Sydney experienced modest growth at 3.3%, while Melbourne faced a decline of 2.3%. In contrast, Brisbane thrived with a 12.1% increase, and Adelaide saw a remarkable 14% growth. Perth's performance was particularly noteworthy, with a total growth of 21%. We also touch on the performance of regional areas, highlighting significant growth in places like Townsville and the York Peninsula. Throughout the episode, we emphasize the impact of affordability on property values, noting that more affordable cities and regions have outperformed their pricier counterparts. We also discuss the trend of units performing better than houses due to affordability issues. As we wrap up our analysis, we reflect on the overall market dynamics, noting that while interest rates have remained stable, the property market has shown resilience and growth in various areas. We conclude by teasing our next episode, where we will share our predictions for 2025, and encourage our listeners to engage with us on social media for a chance to win a $250 gift card in our holiday giveaway. Join us as we unpack these insights and more, and don't forget to subscribe to stay updated on our future episodes! Happy New Year, and we look forward to another exciting season ahead! Thank you for tuning in, and we look forward to seeing you in our next episode! 00:00:00 - Introduction and Giveaway Announcement Welcome back to Talk Property to Me, introduction of hosts and details about a $250 gift card giveaway. 00:01:00 - Finance Wrap-Up for 2024 Discussion on the stability of interest rates and inflation trends over the past year. 00:02:43 - Interest Rates and Market Impact Analysis of fixed and variable interest rates, and their implications for homeowners. 00:04:02 - Home Value Indexes Overview Review of annual growth rates in major cities and regional areas across Australia. 00:06:25 - Top Performing Suburbs and Regions Highlighting specific suburbs and regional areas that experienced significant growth. 00:08:02 - Key Takeaways from 2024 Summary of the overall market performance and factors influencing property prices. 00:09:23 - Looking Ahead to 2025 Teaser for the next episode focusing on predictions for the upcoming year. ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into a crucial topic for anyone looking to invest in real estate: the five worst properties you can buy in Australia right now. We kick off the discussion by highlighting the pitfalls of high-density apartments, particularly in inner-city areas like Brisbane and Melbourne. With an oversupply of units, high strata fees, and low rental yields, we emphasize the importance of opting for boutique properties that cater to a broader audience. Next, we explore the issue of overdeveloped regional areas, using examples like Ballarat and Rockhampton. These cookie-cutter housing estates often lack the fundamental qualities of location and scarcity, which are vital for a good return on investment. We also touch on the risks associated with single-industry economies, where the population growth fails to keep pace with the number of new dwellings. Our third point addresses flood-prone properties. We discuss the significant financial burden of high insurance premiums and the potential for natural disasters to wreak havoc on investments. We share real-life examples of areas that have been severely affected by flooding, underscoring the importance of thorough research before making a purchase. Moving on, we tackle the topic of off-the-plan purchases. While this may have been a viable option in the past, the current market conditions and the instability of builders and developers make it a risky endeavour. We advise listeners to conduct extensive research on developers and to be cautious about locking in prices that may not reflect future market conditions. Finally, we discuss properties in declining regional towns, such as Muscwellbrook. These areas often suffer from economic reliance on single industries, leading to oversupply and stagnation. We highlight the trend of population migration towards coastal areas, making these declining towns less attractive for investment. As a bonus tip, we caution against cheap homes in high-crime areas. While the allure of high rental yields may be tempting, the risks associated with such investments can lead to significant financial losses. We stress the importance of investing wisely and not letting ego drive property decisions. Join us as we unpack these critical insights and provide you with the knowledge to avoid common pitfalls in property investment. If you enjoy our discussion, don't forget to hit the like button, subscribe, and leave a comment with any topics you'd like us to cover in future episodes. Thank you for tuning in, and we look forward to seeing you in our next episode! 00:00:00 - Introduction to the Worst Properties in Australia 00:00:20 - High-Density Apartments: Too Much Supply 00:01:12 - Overdeveloped Regional Areas: Missing Fundamentals 00:02:21 - Flood Prone Properties: A Risky Investment 00:04:04 - Off the Plan Purchases: Proceed with Caution 00:05:27 - Declining Regional Towns: Economic Vulnerability 00:06:33 - Bonus Tips: Avoiding Cheap Homes in High Crime Areas 00:07:03 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

Episode Synopsis: Understanding Property Cycles Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the concept of property cycles, a topic that frequently comes up in our discussions with listeners and clients alike. We start by defining what a property cycle is and introduce the four main stages: boom, peak, decline, and recovery. We explain how these stages are often visualized through the property clock, a tool popularized by organizations like Herron Todd White, which provides insights into various markets. As we explore each stage, we discuss the characteristics that define them. The boom phase is marked by high demand and rising prices, while the peak indicates a potential oversupply and plateauing prices. We also touch on the decline phase, where prices soften and demand decreases, and finally, the recovery phase, where prices stabilize and begin to rise again. A significant part of our conversation focuses on the driving factors behind these cycles, including economic conditions, interest rates, employment levels, and government policies. We highlight how owner-occupiers play a crucial role in driving market demand, especially during boom periods, and how their emotional purchasing decisions can significantly impact property values. We also reflect on the unique circumstances surrounding the COVID-19 pandemic, which led to a rapid shift in the property market. The influx of government stimulus, low-interest rates, and changes in consumer behaviour created a perfect storm for a property boom, which we analyse in detail. As we navigate through the current state of the property market, we discuss how to identify which part of the cycle different areas are in, using Sydney as a case study. We emphasize the importance of localized market analysis, as property cycles can vary significantly even within the same city. Throughout the episode, we share practical tips for different types of buyers—investors, home buyers, and sellers—on how to approach the market based on their unique circumstances. We caution against trying to time the market perfectly, stressing that long-term growth and personal lifestyle needs should take precedence over short-term fluctuations. In conclusion, we reiterate that understanding property cycles is valuable, but it should not be the sole focus for new investors. Instead, we encourage listeners to look at long-term growth factors and local market dynamics to make informed decisions. Thank you for tuning in! If you enjoyed this episode, please subscribe and leave us a comment with any topics you'd like us to cover in future episodes. We look forward to seeing you next time! 00:00:00 - Introduction to Property Cycles 00:00:11 - Understanding the Property Cycle 00:00:33 - The Property Clock and Its Importance 00:00:55 - Stages of the Property Cycle 00:01:17 - Boom Phase Explained 00:01:29 - Peak Phase Characteristics 00:01:43 - Decline Phase Overview 00:02:02 - Recovery Phase Insights 00:02:13 - Defining Boom vs. Peak 00:03:19 - Factors Driving Property Cycles 00:03:48 - Government Policies and Economic Conditions 00:04:10 - Impact of Immigration on Property Demand 00:04:52 - Cheap Money and Its Effects 00:05:10 - Consumer Spending and Savings During COVID 00:05:37 - Accessing Superannuation for Property Purchases 00:06:19 - Cancelled Weddings and Property Purchases 00:07:11 - Supply and Demand Dynamics 00:08:16 - Current State of Sydney's Property Market 00:10:02 - Key Indicators of Property Cycle Stages 00:10:25 - Identifying a Boom Market 00:11:45 - Understanding the Peak Phase 00:12:42 - Characteristics of the Decline Phase 00:13:16 - Consumer Confidence and Its Impact 00:14:14 - Renewed Buyer Interest in the Market 00:15:25 - The Fast-Paced Market Dynamics 00:16:33 - Future Predictions for Interest Rates 00:17:48 - Historical Context of Interest Rates 00:18:31 - Tools for Tracking Property Cycles 00:19:29 - Common Mistakes in Timing the Market 00:20:53 - Long-Term Growth vs. Timing the Market 00:22:11 - Importance of Local Variations 00:23:54 - Aging Population and Cash Purchases 00:25:31 - Tips for Different Types of Buyers 00:26:04 - Selling Strategies in Different Market Conditions 00:27:08 - Recap of Property Cycle Stages 00:28:02 - Long-Term Growth Focus 00:28:21 - Conclusion and Call to Action ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/ Instagram → https://www.instagram.com/bradeast_mortgagebroker/ Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seas