this is property

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.

Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode was recorded before May rate reductions. They cover:👉🏾 switching from principal & interest to interest-only repayments👉🏿 using PAYG withholding adjustments to improve cash flow👉🏻 using separate offset accounts to track property performance👉 using equity or cash to build in a holding cost buffer👉🏼 reviewing your portfolio to identify poor performers👉🏽 understanding the trade-offs between growth and affordabilityNeed 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 go back to basics in this episode, answering common questions about buying your first investment property. From whether to buy a house or a unit, to what kind of loan structure and team you need, they break it all down. Plus, two real-life listener stories that show how different paths into the market can still lead to solid outcomes. This episode covers:👉🏻 how to choose the right type of property👉 house vs unit: what’s better for investing?👉🏽 how much deposit do you really need?👉🏾 interest-only vs principal & interest loans👉🏿 where to invest: close to home or interstate?👉🏻 capital growth vs. rental yield👉 new vs. established properties👉🏼 upfront and ongoing costs to factor in👉🏾 when to consider a trust structure👉🏽 who should be in your property teamThis is a sponsored episode. Find out more at terrischeer.com.au and remember before buying this insurance issued by Terry Scheer, read the PDS and TMD and consider whether it's right for you.Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.comNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auNeed 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 election's over and Labor's locked in for another term, so what does that mean for home buyers and investors? John and Rach break down the key policies on the table and how they could impact the market over the next few years. They cover:👉🏾 universal 5% deposit changes (no income cap!)👉🏿 why January 2026 could trigger a demand surge👉🏻 shared equity scheme pros and cons👉 new builds vs established areas: what to consider👉🏼 build-to-rent incentives and rental market shifts👉🏽 foreign investor restrictions now in effect👉🏾 how interest rate drops could change your borrowing powerNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auCheck out John's investment buyer's agency here: https://www.envisageproperty.com.au/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 Rach break down the three main options for upsizing your home. They also cover the emotional and financial realities of upsizing, why bridging loans get a bad rap, and how to test if you’re really ready for a bigger mortgage. Using real client stories, they unpack:👉🏾 selling before you buy👉🏻 buying before you sell (with or without a bridging loan)👉🏼 negotiating a simultaneous settlementNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auNeed 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, John officially welcomes mortgage broker Rachelle Kroon as a permanent host on this is property! She's the founder of Sphere Home Loans and has been a familiar voice on the show over the years, so if you guessed it might be her, nice work! She knows her stuff and fits right in. To kick things off, John and Rach dive into a Q&A covering:👉🏻 sibling or friend guarantees - are they even possible?👉🏼 location or property type - which is better?👉🏽 what makes a ‘good’ street when buying property?👉🏾 are there any legal issues around parental guarantees?👉🏿 I'm 52, should I use equity to invest in property or my super?👉 choosing the right tradies for the job👉🏼 how do I know if I should buy a forever home or stepping stone?Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auNeed a mortgage broker? Check out Sphere Home Loans: 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 from Sphere Home Loans returns to share a real client case study about Nicole, a young woman who started her property journey solo and made some smart early moves. With the help of a parental guarantee, Nicole built a two property portfolio before meeting her partner. But when it came time to buy their dream home together, things got complicated.Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auWe 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 Kroon from Sphere Home Loans joins John on the pod to share her personal property journey. From getting into the market at a young age to building a diverse portfolio with duplexes, rentvesting, parental guarantees and commercial property in super, Rach shares the strategies, mindset shifts and money lessons she learned along the way.Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auWe 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.

Emily shares the five biggest lessons she’s learned about property, the industry, and herself + a BIG announcement.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 Emily unpack one of the biggest property questions: should you stretch for your dream home now, or take the stepping stone approach? They explore how borrowing power, lifestyle goals, location, and long-term thinking all play a role in making the right call for your first purchase. The ep touches on:👉🏾 weighing up lifestyle vs long-term capital growth👉🏿 understanding how fast you might outgrow a stepping stone👉🏻 checking out your true borrowing comfort zone, not just your limit👉 renting or trialing the area before committing to buy👉🏼 getting clear on your goals (especially if buying with a partner)Need clarity on your property situation? Book a clarity call with John hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 episode John and Em tackle:👉🏾 what to consider when buying your next property👉🏿 how much are buyer’s advocate fees?👉 removalists vs. DIY - what’s the best move?👉🏻 interest rates - when will drops hit your repayments?👉🏽 first home super saver scheme—why aren’t more people using it?👉🏼 CGT on a duplex, stamp duty changes & more!Need a buyer's advocate in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.envisageproperty.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.

Not all finance strategies are created equal. Rachelle Kroon from Sphere Home Loans joins John on the show to break down what makes a solid finance plan, the warning signs of a bad broker, and how to set yourself up for property success. They also dive into real case studies, including how a 22-year-old saved $90K and bought his first investment property while still living at home.Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.comNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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, renovation coach Belinda Smith joins Em to bust common renovation myths and share expert tips on how to renovate smarter, not harder. They touch on:👉🏾 the biggest renovation myths (and what actually works)👉🏿 where to spend money (and where to save)👉🏻 how to avoid overcapitalising on your reno👉 the A-team you need for a stress-free renovation👉🏼 why flipping isn’t the only way to make money from renosLearn more about Belinda and her programs at: https://www.renovateandrealestate.com.au/Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 2025 property market is off and running! Emily and John break down what’s happening on the ground, from auction clearance rates and buyer sentiment to interest rate cuts and what they mean for homebuyers and investors. Plus, the surprising trends in first homebuyer competition and whether now is really the right time to buy.Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 RBA has finally cut rates! John and Rach from Sphere Home Loans break down what it means for buyers, investors, and existing mortgage holders. They touch on:👉🏻 how much borrowing power has changed👉 whether investors are jumping back in👉🏼 what first home buyers should do now👉🏽 the possible changes to HELP debt and borrowing capacityNeed a mortgage broker? Connect with the team at Sphere Home Loans hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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.

Imagine saving for years, buying a property…then losing $50k in the blink of an eye. That’s exactly what happened to Adam. He joins John to share how a too good to be true property deal went south fast and the red flags he wished he'd paid more attention to.Want a clarity call with John about your situation? Book hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.envisageproperty.com.auWe 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.

Buying a home or investment? Don’t make these 6 common mistakes! John and Em share tips that could save you a fortune. Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 chat, John and Em tackle your property questions and unpack a crucial ATO rule change that could impact sellers. They touch on:👉🏻 why sellers now need an ATO clearance certificate (Learn more here)👉 upsizing: is it worth taking on more debt?👉🏼 the increase in home insurance premiums👉🏽 shares vs property👉🏾 should you pay off a smaller loan first or tackle the biggest debt?Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 buying in bushfire or flood zones worth the risk? John and Emily discuss how to weigh the pros and cons, from property values and insurance premiums to essential precautions that can protect your home.Articles and resources mentioned in the chat:https://www.architectureanddesign.com.au/features/list/bushfire-proof-house-design https://www.afr.com/policy/economy/how-the-bom-s-weather-forecast-error-cost-millions-20240116-p5exku https://www.afr.com/world/north-america/why-some-homes-survived-the-la-fires-20250114-p5l44eNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 Em and John unpack your questions, touching on:👉🏻 standalone homes vs townhouses: which performs better?👉 do energy-efficient renos like double glazing add value?👉🏼 putting money in the offset account vs making extra repayments👉🏽 timing investments and tax strategies for property owners👉🏾 lifestyle considerations when buying or selling propertyBook a clarity call with John hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 we're diving into the world of commercial property with expert guest, Matthew Wallace who also happens to be Em's dad! With years of experience as a commercial real estate agent, Matthew shares his insights on:👉 residential vs commercial: bigger risks, bigger rewards?👉🏻 top tips for first-time commercial property investors👉🏾 finding locations with long-term potential👉🏽 the impact of COVID on commercial real estate👉🏿 minimising vacancy periods and managing tenant relationships👉🏽 and what type of property would suit an entry-level investmentAre you a commercial property investor interested on being interviewed? Email the team here!Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://wallaceadvocates.com.au/John's website: https://www.solverewealth.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 Kroon from Sphere Home Loans dive into strategies for increasing your borrowing capacity, weighing up equity vs cash for property purchases, and the latest on LMI waivers. They also cover rental yields, government schemes, and tips for navigating today’s lending landscape. Learn more about Sphere Home Loans hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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.

Happy new year! John and Em will be back next week with new episodes but for now, enjoy this popular episode from last year. Location, location, location. John and Emily chat about how important location is in your buying strategy, bust some myths and talk about tips and tricks for finding a good location.🎧 John's 8 point investing strategy 👇Listen on AppleListen on SpotifyBook a clarity call with John hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 was a fan favourite so we're bringing it back! Should you buy a home to live in or an investment property first? This is such a common question and in this episode John walks through what to consider using an example of buying in Adelaide and a case study based in Manly, NSW. John touches on:👉🏾 buying a house vs unit👉🏿 your short term lifestyle and financial goals👉🏻 your borrowing capacity👉 your risk profile👉🏼 your mindset👉🏽 and Zoe and Tom's case studyNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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, mortgage broker Rachelle Kroon joins John to share three real-life property case studies: buying a first home, using equity for an investment, and upsizing into a dream home. She unpacks the numbers, the strategy, and the game-changing role of a good broker in navigating it all.Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 chats with Jo Natoli who shares her insights from decades of experience as both a property manager and an investor. She offers her unique tips on selecting the right property manager, managing risk, and getting the most out of your investment. They touch on:👉🏾 Jo's journey into property👉🏽 things to look for in a good property manager👉🏿 self managing a property - yay or nay?👉🏻 property management fees👉 landlord insurance👉🏼 managing renovations through a property manager👉🏽 renting your property to friends or familyNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 Emily answer some listener questions about:👉🏼 paying down the mortgage or buying another investment👉🏾 buying a property going through probate👉🏿 is it a bad idea to buy property now with prices at an all-time high?👉🏻 considerations for buying property in a SMSF👉 the outlook for property in 2025Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.comNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 Emily dive into the hot topic of negative gearing: what it is, why it’s so polarising, and whether scrapping it could solve Australia’s housing crisis. The touch on:👉🏻 how negative gearing works and who it benefits👉 what scrapping it could mean for investors, renters and homeowners👉🏼 what happened in the 80s when it was temporarily removed👉🏽 why does property get preferential tax treatment?👉🏿 negative gearing on a property in a trustNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 Emily answer a mixed bag of questions - touching on:👉🏻 is it worth styling your home before selling it?👉 considerations for servicing investment loans👉🏼 is it generally good to buy and sell in the same market?👉🏽 comparing houses vs units for capital growth👉🏾 and investing in commercial propertyNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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.

Tayla is 27 and wants to know what it will take to purchase her first home on the NSW Central Coast. In this live clarity call, John Pidgeon from this is property and mortgage broker Genevieve Fordham from Sphere Home Loans help Tayla crunch the numbers to figure out what she can afford to buy as either a first home or investment property.Want clarity on your property situation? Book a clarity call with John hereCheck out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.comNeed a mortgage broker? Connect with the Sphere Home Loans team hereNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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.

A good building and pest report can save you from costly surprises before you purchase your new home. In this episode, Em chats with Phil Guildea from Buy Wise Inspections about the ins and outs of building and pest inspections, touching on how to choose a reliable inspector, the importance of thorough reports, defects and issues like mould, asbestos and restumping and why you should be wary of shiny new renovations. Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 sits down with his wife, Amy Pidgeon, to talk about the journey of building their dream home. From the initial vision shaped by Amy’s lifelong passion for homes to navigating the challenges of custom builds, Amy unpacks the process of their knock-down rebuild experience. She shares the choices she made when it came to balancing aesthetics and practicality, making budget-conscious choices and some helpful tips for anyone considering building their dream home. The episode touches on:👉🏾 balancing trends with long-term appeal👉🏿 deciding to knock down and rebuild vs renovate existing👉🏻 make design choices around lifestyle vs resale value👉 choosing a team: why Amy went with a draftsperson over an architect👉🏼 handling budget constraints during the build👉🏽 prioritising structural quality over trendsNeed a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 chats with Marcus Davidson, buyer's agent at Envisage Property. John and Marcus dive into the ins and outs of negotiating your next investment property—from understanding market trends and comparable sales to building rapport with agents and getting the best terms for your deal. Whether you're an experienced investor or a first-timer, this episode is packed with insights to help you take action confidently.Need a buyer's agent in your corner? Check out how John and his team can help: www.envisageproperty.com.auWant to know more about John's 8 point investing strategy? Check out his book, Sort Your Property Out & Build Your FutureWe 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.

There's A LOT that goes into purchasing a home so if you're feeling overwhelmed with the idea or process of it - you're not alone! In today's episode Emily walks through the key stages of purchasing a home along with some tips and bits of advice from her experience as a professional buyer's advocate. Need a property professional in your corner? Check out how Emily and John can help 👇Emily's website: https://emilywallace.com.auJohn's website: https://www.solverewealth.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 chats with financial adviser Alex Luck from Everest Wealth about the Perth property market. They dive into whether the Perth market is still going strong, how the relationship between financial planners and buyer’s agents works, and what investors should consider when looking at Perth’s current real estate trends. They touch on:👉🏾 how Perth’s property market has evolved in the past few years👉🏼 why low supply and high demand are driving rapid sales👉🏻 what financial planners and buyer’s agents bring to the table👉 what investors should consider as Perth’s boom continues👉🏿 how rent and wage growth are impacting the marketLearn more about Everest Wealth: https://everestwealthgroup.com.auNeed a property professional in your corner? Check out how John & Emily can help 👇John's buyer's agent website: https://www.envisageproperty.com.auEmily's website: https://emilywallace.com.auWe 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.