this is property

Petrol prices, rate rises and uncertainty in the economy - is now the time to fix? John Pidgeon and Rachelle Kroon chat about:👉🏼 the current economic landscape for property owners👉🏽 how to prepare in a rising rate environment 👉🏾 what does fixing your loan mean 👉🏿 should you fix or not?👉 fixing part of your loan👉🏻 why fixing impacts offset accounts👉🏼 what is a split loan?👉🏾 considerations for investors👉🏿 myths & tips for fixing loans this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

What happens when you keep an investment loan interest-only for 10 years while focusing on paying off your home? John Pidgeon and Rachelle Kroon unpack a real case study, the numbers behind it, and the different options this couple now have at age 48.👉🏼 the case study👉🏽 how they stayed interest-only for 10 years👉🏾 where they’re at now👉🏿 why interest-only on investments gives options👉🏻 what John & Rach would've done differently in their circumstances👉 what should they do next?👉🏼 what the couple have decided to do now that their home is mortgage-free👉🏾 the biggest lessons from this couple's journeyJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

CGT reform is back in the headlines but who actually gets hit? In this episode, Rachelle Kroon and John Pidgeon break down the proposed changes, what they mean for investors, homeowners and renters and why some policies could make the housing shortage worse. They discuss:👉🏼 the current CGT rules👉🏽 why CGT reform is back on the table👉🏾 Labor's proposed changes👉🏿 The Green's proposed changes👉🏻 who gets impacted across the market👉 will this help or hurt the housing shortage?👉🏼 impact on renters, homeowners, investors & people trying to get into the market👉🏽 PICA’s proposed reform👉🏾 John and Rachelle’s opinions👉🏻 advice for new investorsBen Kingsley on the potential CGT reform: https://youtu.be/m5zN82Dl0mg?si=4T8mGI-IsnRFgz46This episode was recorded on 11 March 2026.Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rachelle & John are joined by Laura Valenti, managing director of McGrath North Lakes and board director at the Real Estate Institute of Queensland. With more than 20 years in property management Laura shares what really happens behind the scenes of managing investment properties and her top tips for investors. They touch on:👉🏼 what is REIQ and its purpose?👉🏽 challenges of running a large property management business👉🏾 balancing landlords, tenants and legislation👉🏿 advice for first time investors👉🏻 vacancy rates and rental demand right now👉 how investors can choose a good property manager👉🏼 should your property manager be local?👉🏿 outsourcing in property management👉🏾 The Priority Project helping domestic violence survivors access rental housingLearn more about The Priority Project: https://youtu.be/3Trx-mzGI18?si=QqgC7xd1zPb2lZS8Connect with Laura on LinkedIn: https://www.linkedin.com/in/laura-valenti-91823437/Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this Q&A, John Pidgeon and Rachelle Kroon answer your questions and chat about:👉🏼 buying a unit in a metro area vs house regionally👉🏽 considerations for buying regionally👉🏾 buying an IP with equity without involving your partner 👉🏿 optimising loan structure to make the cost to hold easier👉🏻 accessing and using equity for a reno👉 is serviceability for an IP different from a PPOR?👉🏼 debt recycling explained 👉🏽 do a major reno on PPOR or smaller reno to afford IPJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this Q&A John and Rachelle answer your questions about:👉🏼 charging market rent vs treating tenants kindly👉🏽 investing strategy fundamentals👉🏾 upsizing soon vs after child in 2-3 years👉🏿 why there is a lack of support for ex-homeowners getting back into the market👉🏻 top things to consider before buying first home👉 when will the Brisbane market slow down and when should I sell?Listen to 439 John's 8 point property investing strategy: Apple Podcast | SpotifyBook a clarity call with John here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Is using ChatGPT to pick your next investment suburb a good idea… or a very expensive mistake? John is joined by returning guest data scientist Luke Metcalfe from Microburbs to discuss:👉 is AI is a reliable tool for investors?👉🏼 how to find your next place to buy using Microburbs👉🏽 property returns - the median vs top 10% of investors👉🏾 do views actually add value?👉🏿 what performs at a street-level👉🏻 the supply risk for units👉 how to find NIMBY suburbs👉🏼 the migration “goldilocks zone” for capital growthListen to episode 744 with Luke, 'buying in the right location for capital growth': https://shows.acast.com/my-millennial-property/episodes/744Property returns research paper mentioned in the chat: https://www.microburbs.com.au/v3/microresearchLearn more about Microburbs: https://www.microburbs.com.au/Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rach and John delve into their predictions for the property market in 2026, covering:👉🏼 interest rate uncertainty in 2026👉🏽 price growth👉🏾 cap city outlook👉🏿 Brisbane: hype or real momentum?👉🏻 Sydney affordability & growth limits👉 regional market outlook👉🏼 apartment growth👉🏽 lending landscape for first home buyers & investors👉🏾 rental squeeze & housing pressureHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Queensland has gone from the quiet achiever to one of the most talked-about property markets in the country and in this episode, Rach is joined by buyer’s agent Luke Aldridge from Envisage Property to unpack what’s really happening on the ground. They chat about:👉🏼 Luke’s background & becoming a buyer’s agent👉🏽 how Covid changed QLD property forever👉🏾 Sunshine Coast & Gold Coast growth explained👉🏿 regional QLD hotspots investors overlook👉🏻 Ipswich deep dive👉 Luke’s tips for investors buying in today's property climate👉🏼 managing flood and fire risks of buying in SE QLD👉🏽 how offers and contracts work in QLD👉🏾 some buyer case studies👉🏿 where Luke would invest todayHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Rach is joined by one of Australia’s top mortgage brokers, Joe Carroll from Sphere Home Loans, to unpack what’s really happening in the lending landscape right now. They discuss:👉🏾 the current lending landscape as at January 2026👉🏿 Joe's tips to multi-investors👉🏻 APRA, DTI limits & what it really means for investors👉 the trust & company lending shake-up explained👉🏼 the power of getting valuations and unlocking equity👉🏽 Joe's tip for first-time property buyers👉🏾 increased flexibility for self-employed people👉🏿 rate rise expectations & should you fix? 👉🏻 negotiating your own rate with the bank👉 Joe's final advice for investorsHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rach interviews Ryan* who, after selling his first home at a loss, has methodically rentvested and built up a portfolio worth over $3m across QLD. Ryan walks through every decision, mistake and turning point, touching on:👉🏾 buying his first home on the Gold Coast in 2009 and selling 5 years later👉🏿 rentvesting and buying IP 1 in 2018 in Brisbane👉🏻 buying IP 2 in 2020 in Ipswich👉 buying IP 3, 4 and 5 in 2022 in Townsville👉🏿 buying IP 6 in 2024 in Townsville with the long term goal to retire into it👉🏻 his landlord philosophy👉 what each property is worth as of December 2025👉🏽 Ryan's tips for selecting properties and property managers👉🏿 owning property 6 outright and his ultimate goal for the property portfolio*Name changed for privacyHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

John and Rachelle are joined by Geoff Lucas, former CEO of McGrath and The Agency, to unpack what really goes on behind Australia’s real estate industry. They dive into leadership, high-performance culture, market cycles, what needs to improve and how technology and transparency could reshape buying and selling over the next decade.👉🏼 Geoff's career background 👉🏽 franchise vs boutique real estate models👉🏾 scaling McGrath & building high-performance culture👉🏿 leadership lessons for business owners👉🏻 current property market conditions and what can we expect in 2026👉 what drives property price growth👉🏼 supply shortages & immigration👉🏽 industry transparency & system flaws👉🏾 the future of real estate & AI👉🏿 the future of buyers agents & vendor advocacy👉🏻 best property advice ever receivedHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Today's episode is a mix of clips from episodes this year unpacking how property lending really works, from loan structures and redraw strategies to bank policy changes and valuations. Topics covered:👉🏾 using redraw from your investment loan to buy ETFs (clip from ep740)👉🏿 using interest-only IP loans to smash PPOR mortgage faster (clip from ep737)👉🏻 how accurate is the CommBank Home Hub property valuation? (clip from ep737)👉 is it a good idea to buy an investment property with cash? (clip from ep746)👉🏼 Macquarie bank pulls out of trust and company lending (clip from ep745)👉🏽 Ubank now offers 90% loans with no LMI 😱 (clip from ep745)Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include:👉🏿 investment property choice: Sydney vs. regional? (clip from ep731)👉🏻 claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740)👉 pay off my property or use equity and invest now? (clip from ep731)👉🏼 using equity to buy another investment property (clip from ep737)👉🏽 what data says about choosing location: post-covid shifts & satellite cities (clip from ep 744)Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about:👉🏻 buying with an investor mindset from day one👉 how picking locations he knew shaped his strategy👉🏼 how he managed serviceability as a single buyer and as the portfolio grew👉🏽 learnings: his first property was his worst performer*Name changed for privacyHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about:👉🏾 how regional markets differ from capital cities👉 investor profiles that Marcus works with👉🏻 areas that Marcus buys in and why👉🏽 Tamworth deep dive - blue chip areas, price points👉🏿 what type of property performs best in Regional NSW👉🏼 risks of buying in regional towns👉🏾 Marcus's 3-5 year outlook for regional NSW👉 infrastructure growth👉🏽 some case studies👉🏼 where Marcus wouldn’t invest, underrated areas, due diligence tips, red flagsHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.👉🏾 what APRA’s DTI cap actually is and who it affects👉🏿 what's causing prices to continue going upward👉🏻 tips for investors amidst the changes👉 the winners and losers of NSW/VIC town-centre upzoning changes👉🏼 2% shared-equity scheme explained + pros and cons👉🏽 a warning about gap finance👉🏾 use the shared equity scheme vs live or invest regionallyCheck out where rezoning is happening in NSW here: https://www.planningportal.nsw.gov.au/Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auNeeding a buyer's agent. Check out John's team at https://www.envisageproperty.com.au/Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

At 23, Dan* bought his first property as an investment with a combination of hard work, strategy and support from his parents. In today's episode Dan joins Rachelle to share the steps he took to do that, touching on:👉 the early money habits he established after reading The Barefoot Investor at 15👉🏼 his saving and investing journey and how he saved that deposit👉🏽 seeing a mortgage broker and deciding whether to buy to live in vs buy to invest👉🏾 asking his parents for a parental guarantee to buy a better asset👉🏿 the type of property, purchase price and location he bought👉🏻 why he used a BA👉 the challenges he faced👉🏼 and his tip for anyone wanting to get into the market*Name changed for privacyHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

John and Rachelle answer your questions!👉 renovate home or buy an investment first?👉🏼 what type of valuation should I get?👉🏽 what to ask a buyers agent before you commit👉🏾 is it a good idea to buy an investment property with cash?👉🏿 best structure to buy a working farm👉🏻 have I missed the boat to buy my first IP?👉 what’s happening in Melbourne property market sub 1M👉🏼 how much do you need to buy an IP?👉🏽 how has the FHB scheme affected markets?👉🏾 how to buy second IP without cash👉🏿 paying off loans, selling and exit strategiesHave a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

John and Rachelle unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting.👉🏻 Macquarie bank pulls out of trust and company lending👉 Ubank offers 90% loans with no LMI👉🏼 discussing feedback on the boom bust property cycle episode👉🏽 Glen, Rach and John debate the rentvesting strategyThe boom bust property cycle episode: https://open.spotify.com/episode/61ldDLT57VZCRSKaJ55J8i?si=5a4d2331b87b4ac5Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about:👉🏾 what Microburbs actually does & who it's for👉🏻 the most influential data point for choosing a location👉🏼 the post-covid shift to regions & satellite cities👉🏽 what to check first when researching a suburb👉 what gentrification really means for growth👉🏿 public housing thresholds and it's impact on capital growth👉🏾 top 3 mistakes investors make when choosing location👉🏼 supply & demand as the core drivers of growth👉🏻 how the Microburbs platform is improving👉 where Luke would invest right nowCheck out Microburbs here: https://www.microburbs.com.au/Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about:👉🏾 assessing their risk profiles and money mindset👉🏿 using home equity wisely👉🏻 debt recycling explained👉 setting clear investment goals👉🏼 balancing lifestyle with financial growth👉🏽 borrowing capacity vs what you can handle👉🏾 finding the right property price point👉🏿 yield, cash flow & capital growth trade-offs👉🏻 outsourcing vs DIY property search👉 next-step action plan & mindset for investorsNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auGrab John's book Sort Your Property Out & Get Invested: https://www.moneypodcast.com.au/storeRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about:👉 buying her first place at 22 on the Gold Coast👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash)👉🏾 managing risk, buffers and surprise expenses👉🏿 splitting costs and mortgages in a relationship👉🏽 and her advice for first-time buyers in today’s marketMeg was initially going to buy a 1 bed in Sydney for $570k but instead bought a 2 bed 2.5 bath on the Gold Coast for $600k. The unit in Sydney is now valued at $600k.Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about:👉🏻 their individual risk appetites👉 why they've chosen to keep things separate👉🏼 getting a BFA (binding financial agreement)👉🏿 the properties they have between them👉🏽 how they navigate shared expenses👉🏾 planning for retirement👉🏻 and their tips for listeners*Names changed for privacyWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions:👉🏾 using redraw from your investment loan to buy ETFs👉🏿 how to document and reset the 6-year CGT rule👉🏻 claiming travel, tools & repairs for interstate properties👉 repairs vs improvements - what’s instantly deductible👉🏼 can you transfer loan splits to a new property after you sell?👉🏽 depreciation schedules, back-dating returns & renos👉🏾 CGT rules if you rent where you live & own an investment or move into your investment👉🏿 renovation deductibility before vs after "available to rent"👉🏻 redoing your depreciation report after a reno vs giving your accountant receiptsWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle. They discuss:👉🏾 Darren's background👉🏿 what the 18.6 real estate cycle is👉🏻 the four phases of the cycle👉 where are we in the cycle right now?👉🏼 should we expect a downturn from 2027?👉🏾 signs that the market is changing👉🏿 how can this be used to inform our investing strategy?👉🏻 tip for a investor preparing for a change in the cycle👉 recommended reads to learn moreLearn more about Property Share Market Economics here: https://propertysharemarketeconomics.com/📘 Books mentioned 👇One Hundred Years of Land Values in Chicago by Homer Hoyt: https://amzn.to/3CjnlD1The Secret Life of Real Estate and Banking by Phillip Anderson: https://amzn.to/3ICnqLlBoom Bust: House Prices, Banking and the Depression of 2010 by Fred Harrison: https://amzn.to/4o3ADvKThe Secret Wealth Advantage: How You Can Profit from the Economy's Hidden Cycle by Akhil Patel: https://amzn.to/46OiE5cListen to our episode with Cathy Stacey from 2021 here: Listen on Apple Podcast | Listen on SpotifyWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss:👉🏻 a day in the life of a buyer's agent👉 why invest in regional VIC?👉🏼 Geelong snapshot👉🏽 VIC land tax👉🏾 Shepparton snapshot & $420k buyer case study👉🏿 Bendigo snapshot👉🏻 Bendigo $530k buyer case study👉 market shifts in the last 12 months👉🏼 Envisage Property's two-step process: strategy & sourcing👉🏽 buying in hot markets & avoiding overpayingEnvisage Property: https://www.envisageproperty.com.au/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on:👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move👉 cost of living & attitudes towards home ownership👉🏼 rent to buy schemes & private lending👉🏽 property taxes & state taxesWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Rach and John dig into some listener questions about:👉🏾 funding renovations - cash, equity or future-value valuations👉🏻 what if investors with 2+ properties had to sell👉 converting non-tax deductible debt into tax deductible & loan splits👉🏼 using equity to buy another investment property👉🏽 debt recycling & selling a property that has split loans attached👉🏻 how accurate is Commbank's Home Hub property valuation?👉🏾 use interest-only IP loans to smash PPOR mortgage faster?Watch this episode on YouTube: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors.👉🏾 school catchment premiums vs long-term capital growth growth👉🏿 which school catchment had a $1.3M price difference👉🏻 inside vs outside catchment growth comparisons over 15 years👉 the link between school reputation and suburb growth👉🏼 how much should school zones play into an investor's strategy?👉🏽 school zone premiums vs private school fees👉🏾 2025 market commentary and consumer sentiment👉🏻 quickfire investor Q&A with ElizaRead the Cotality report here: https://www.cotality.com/au/insights/articles/families-pay-six-figure-premiums-to-secure-homes-in-top-public-school-catchment-zonesWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on:👉🏾 First Home Guarantee changes brought forward – what that means👉🏼 FOMO and rushing into the wrong property👉🏽 lessons from clients who lost money in hot markets👉 buyer’s agents: when they help and when they don’t👉🏿 how to pick assets that stand the test of timeWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Selling property isn’t always straightforward and that’s where a seller’s agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a seller’s agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in the Room podcast, and founder of Good Deeds Property Buyers, with over 25 years’ experience in real estate and has in recent years expanded her business to include vendor's advocacy. They unpack:👉🏾 what a seller’s agent actually does👉🏿 when you should engage one👉🏻 common red flags when choosing an agent👉 how they’re paid and where the value lies👉🏼 real client stories and lessons learnedLearn more about Veronica at https://veronicamorgan.com.au/Check out The Elephant in the Room podcast: https://www.theelephantintheroom.com.au/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Most people buy property in their own name, but other structures might suit your strategy. In this episode Rach is joined again by Leah Hall from Lift Accounting for a deep dive into the pros and cons of holding property in discretionary (family) trusts, unit trusts, companies, and self-managed super funds. They cover:👉🏾 discretionary (family) trusts explained👉🏿 unit trusts and when they’re useful👉🏻 pros & cons of buying property in a company👉 self-managed super funds: rules, risks & benefits👉🏼 why “your why” matters most when choosing a structureWatch the episode with Leah which deep dives into top tax tips for investors: https://youtu.be/QQk-tuKJ3k8Download Leah's free resources here: https://liftaccounting.au/podcast-packWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today’s episode, Rach chats with Alyce Lewis about her unique and inspiring journey into home ownership and building a property portfolio. By 28, she’d bought her first home, upsized to a dream lifestyle property with her partner, and added an investment to the mix. Alyce’s story shows how compromise, strategy and a dash of boldness can fast-track your goals. Alyce shares:👉🏾 why her first home was not what she had planned👉🏿 turning a starter home into an investment👉🏻 selling two properties to land her dream farm👉 how off-market deals can give you an edge👉🏽 plus easy ways to boost your sale priceWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's Q&A John and Rach tackle some great questions around: 👉🏾 property type vs location for wealth creation👉🏿 sell or rent out my Brissy apartment?👉🏻 invest in property or pay off the mortgage?👉 invest in third investment property or shares?👉🏼 how do people fund and service multiple properties?We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

When love and money mix, things can get messy especially if you're not prepared. In this episode, family lawyer and mediator Kate O’Grady joins Rachelle to unpack how to protect your property and finances in a relationship. They cover:👉🏿 the best time to seek advice from a family lawyer👉 what to document before moving in together👉🏽 conversations that are good to have early in your relationship👉🏾 who binding financial agreements may suit👉🏿 why BFAs they aren't always airtight👉🏽 what happens if you separate?👉🏻 how the law treats short vs long relationships👉 how much a BFA roughly costsLearn more or get in touch with Kate here: https://orbellfamilylawyers.com.au/Watch this episode on Youtube: https://youtu.be/AbS_j_MQX8kWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode John and Rach chat with Brandon Rickman aka The Flip Genius about what it’s really like flipping houses in the US. With 25 years of experience and over 500 flips under his belt, Brandon breaks down how he finds deals, funds renovations, and builds wealth in a market that operates very differently to ours. They chat about:👉🏾 how flipping works in the US (and why it’s more common)👉🏿 the 3-step method: find, fund, flip👉🏻 how 12–14% interest rates still make sense for flippers👉 cash flow vs capital growth: which one Americans chase👉🏼 what Aussie investors can learn from the US modelWatch this episode on YouTube here: https://youtu.be/Nc9XlgX6LHwNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

In today's episode John and Rachelle break down the latest tenancy law changes across every Aussie state and territory. Staying across these updates is crucial, whether you're a tenant or landlord!Support adults and kids impacted by domestic violence: https://www.friendswithdignity.org.au/📘 Sort Your Property Out & Build Your Future: https://www.moneypodcast.com.au/resources#booksBook a clarity call with John Pidgeon or learn more about his BA service: https://www.envisageproperty.com.au/Need a mortgage broker? Check out https://www.spherehomeloans.com.au/Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast.We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

We asked what you wanted to know and you delivered. John and Rachelle answer your questions:👉🏾 why don’t some banks pass on rate cuts?👉🏿 can you use 100% equity to purchase an investment? 👉🏻 are there still neutrally and positively geared properties in this market?👉 how much growth is enough to consider selling a property?👉🏼 apartment vs townhouse in Sydney for PPOR👉🏽 regional locations to purchase an investment for $450-700k?👉🏾 borrowing 100% for a new PPOR - good or bad?👉🏿 should I prioritise short-term buying opportunities vs sticking to a long-term strategy👉🏻 sellers agents - what are they and are they worth it?👉 can self-funded retirees still get a mortgage?Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Eloise and Liam are rentvesting while living in Sydney and have built a $3 million+ property portfolio in just four years. In this episode, Eloise shares the practical steps they took to get started, build momentum and make strategic decisions along the way with the long term goal of financial freedom. From using her finance background to assess borrowing capacity and equity, to teaming up with a buyer’s agent and locking in fixed rates at the right time, she breaks down exactly how they did it, touching on:👉🏽 saving and mindset from a young age👉🏼 how working at a bank gave her a head start👉🏾 buying two properties within two months👉 the numbers behind their $280k equity release👉🏿 why they held for 3 years and then bought again👉🏽 the role of a broker and buyer’s agent in their success👉🏼 lessons learned (and what they’d do differently)Learn more about John's buyer's agency service: https://www.envisageproperty.com.au/Need clarity on your property situation? Book a clarity call with John: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

Thinking about building a new home or doing a knockdown rebuild? Rachelle chats with new home specialist Kerri-Ann Hooper from Carnelian Projects to unpack all the hidden costs, traps in building tenders and all the ways to avoid making costly mistakes. They cover:👉🏾 why display home fittings often aren’t included👉🏽 why you should be wary of builder discounts and gifts👉🏿 what a building tender is and what to check👉🏻 the difference between turnkey and non-turnkey builds👉 red flags in knockdown rebuilds👉🏼 the real cost to build in 2025Learn more about Carnelian Projects here: https://www.carnelianprojects.com.au/Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

What happens when one person’s keen to build wealth and the other just isn’t there yet? In this episode John and Rach unpack how couples can better understand each other’s financial mindset, and how to make progress without dragging anyone kicking and screaming. They talk about: 👉🏼 the importance of timing and delivery when talking about money goals 👉🏿 why shared end goals matter more than shared bank accounts👉 practical ways to move forward when you're not financially aligned 👉🏽 how real couples have overcome financial frictionthis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auGrab a copy of John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MWe hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need: https://email.moneypodcast.com.au/Learn more about this is property here: https://www.moneypodcast.com.au/property Hosted on Acast. See acast.com/privacy for more information.

Interest rates are dropping, but what does that actually mean for your repayments, your mental game, and your next property move? John and Rachelle unpack the physical and psychological impacts of a falling rate environment, what buyers need to know right now, and the smart (and risky) choices many Aussies are facing. They touch on:👉🏽 how much repayments could drop with more cuts👉🏿 the mental shift of feeling “richer” and its risks👉 when it does make sense to sell an investment property👉🏼 why some investors are holding tight (and why some aren’t)👉🏽 how much your borrowing power may increase per rate cut👉🏾 a warning about fixing your loan right nowNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.

It’s EOFY, so we’re bringing you a value-packed episode to help investors prep for tax time and plan ahead. Rach is joined by Leah Hall from Lift Accounting to run through her top tax tips, common mistakes to avoid, and the smartest ways to reduce holding costs, boost deductions, and time your sales for maximum benefit. They touch on:👉 top tax tips for property investors👉🏽 how to reduce the real cost of holding property👉🏼 the benefit of a depreciation schedule👉🏾 PAYG variations, prepaying interest & timing sales👉🏿 what to know before refinancing, redrawing or selling👉🏻 structure chat: trust vs personal name vs SMSFDownload the free resources for this episode at https://liftaccounting.au/podcast-packNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here. Hosted on Acast. See acast.com/privacy for more information.