Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Australia's housing debate seems to offer us two choices: a detached home on an increasingly unaffordable block of land, or an apartment in a large tower.

Between those two forms of housing is what planners call the "missing middle".

This includes duplexes, terraces, townhouses, maisonettes, courtyard housing and small low-rise apartment buildings. They provide more homes than a conventional suburban subdivision, while retaining much of the space, privacy and neighbourhood character people value.

So why aren't we building more of them, particularly in the well-located middle-ring suburbs where people want to live?

Our households are getting smaller, our population is ageing, affordability has deteriorated and many people want to remain close to family, employment, transport and familiar communities without maintaining a large home and garden.

Missing-middle housing appears well suited to these needs, and in my mind, they make great investment properties.yet it remains genuinely missing from much of our new housing supply.

In this episode I speak with Rebecca Lloyd Jones about Australia's missing middle and the housing options between detached homes and high-rise apartments.

I explore why townhouses, terraces, duplexes and low-rise apartments better reflect Australia's changing household demographics.

Rebecca explains how medium-density housing can support singles, families, downsizers and multi-generational households without sacrificing lifestyle.

We examine why established suburbs, walkability, mature trees, transport and amenity make well-designed medium-density properties appealing to owner-occupiers and investors.

I also discuss the difference between planning potential and financial feasibility, and what better housing development could mean for Australia's future.

Takeaways

• Australia needs more housing between houses and towers

• Townhouses can suit changing household demographics

• Walkability strengthens demand in established suburbs

• Downsizers want lifestyle quality, not compromise

• Medium density supports multi-generational living arrangements

• Mature trees add irreplaceable property value

• Planning approval does not guarantee project viability

• Construction costs can undermine development feasibility

• Good design protects long-term housing appeal

• Outer-suburb townhouses may lack essential amenity

Chapters

03:54 - What the missing middle actually is

12:26 - How Australian households have changed

15:16 - Why downsizers stay put in large homes

19:07 - Why rezoning alone does not deliver housing

24:38 - What makes a townhouse a good investment

Links and Resources:

Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane.

• Click here for more details and to lock in your spot.https://metropole.com.au/how-to-grow-seminar/

• Join us in this small group environment so you can get your personal questions answered.

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Rebecca Lloyd-Jones Travaux

https://travaux.com.au/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Twenty years ago I wrote a book that I honestly thought would sell a few thousand copies to friends and colleagues.

Instead, it became Australia's best-selling property investment book, and it's sat on the bookshelf of tens of thousands of investors who've gone on to build genuine wealth using the strategies inside it.

Today we're doing something a little different. Instead of me interviewing a guest, I'm handing the microphone over, and my colleague from Metropole, Joseph Bellotta, who is going to interview me about the brand new edition of "How to Grow a Multi-Million Dollar Property Portfolio in My Spare Time."

We're going to talk about what's changed since 2006, what's stayed exactly the same, why I felt the need to update it again, and what today's investors need to know that wasn't even a consideration two decades ago.

If you've read the earlier editions, you'll want to hear this. And if you've never read it, this conversation will give you a pretty good idea of whether it belongs on your own bookshelf because we discuss how property investment has changed since the original 2006 edition of my book.

I explain why higher interest rates, stricter lending rules and changing taxes have made borrowing capacity a critical strategic resource.

We explore why quality properties in strong locations remain more important than simply accumulating a large number of properties.

I discuss how financial buffers, long-term holding power and careful portfolio structures can help investors navigate market uncertainty.

Joseph and I consider why data and technology can support better decisions, while experience and sound judgement remain essential when selecting property.

Takeaways

• Lending capacity must be managed across future purchases

• Quality assets provide stronger long-term capital growth potential

• Financial buffers protect investors during market downturns

• Property investment requires decades-long thinking and patience

• Data cannot replace judgement about location and scarcity

• Tax policy can materially change investment returns

• Owner-occupier demand supports stronger property resale prospects

• Cash flow alone does not create lasting wealth

• Personal strategy should guide every property purchase

• Trusted advisers improve portfolio decisions during uncertainty

Chapters

02:11 - Why update the book again after twenty years

05:24 - Is it actually harder to build a portfolio today

08:14 - What changed most: finance, tax and holding power

11:47 - Data, AI and why algorithms cannot replace judgment

26:33 - Three lessons to take from the new edition

Links and Resources:

Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane.

• Click here for more details and to lock in your spot.https://metropole.com.au/how-to-grow-seminar/

• Join us in this small group environment so you can get your personal questions answered.

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Joseph Ballota, Senior Wealth Strategist Metropole https://metropole.com.au/expert/joseph-ballota/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

There is one thing every property investor wants to know right now. How long is this property downturn actually going to last?

You've heard all sorts of opinions. Some people say it's almost over. Others are telling you we're heading for a crash that will make 2008 look like a picnic. Neither of those is right, and today's guest has the data to prove it.

By the end of today's show, you're going to understand exactly what history tells us about how long property downturns run for, why some markets are falling harder than others, and what you need to be doing right now if the July 2027 capital gains tax changes could affect you.

My guest today is Scott Chapman, Managing Director of Opteon, the largest independent valuation firm in the country, which means Scott and his team aren't reading about the market from a spreadsheet somewhere. They're valuing thousands of properties every week, right across the country, so they see exactly what's happening on the ground before it shows up in the official statistics.

Opteon has just released some fascinating analysis comparing this downturn to the last three Australian property downturns. What they found might surprise you, and it has real implications for how you should be thinking about your portfolio right now.

We examine how the current downturn compares with previous cycles and why Sydney and Melbourne are experiencing different conditions from other markets.

We explore how interest rates, lending restrictions, buyer sentiment, open-home attendance and auction results can influence property market momentum.

Scott explains why the 1 July 2027 capital gains tax changes may make accurate property valuations increasingly important for investors.

We also discuss why automated estimates can be useful starting points, but should not replace professional advice when making significant investment decisions.

Takeaways

• Property downturns vary significantly between Australian cities

• Weak sentiment can delay property market recoveries

• Interest rates influence borrowing capacity and buyer confidence

• Auction clearances reveal changing demand before prices

• Open-home attendance signals shifts in buyer interest

• Regional markets can outperform struggling capital cities

• Capital gains tax changes require careful valuation planning

• Falling values may reduce future CGT baselines

• Automated estimates cannot capture property-specific market differences

• Tax planning should support strategy, not dictate it

Chapters

02:34 - What the last three property downturns tell us

05:42 - Why sentiment turned so fast this year

12:10 - The July 2027 capital gains tax changes explained

17:57 - Should you get a valuation, and when

20:31 - Why automated valuations can mislead you

Links and Resources:

Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane.

· Click here for more details and to lock in your spot.https://metropole.com.au/how-to-grow-seminar/

· Join us in this small group environment so you can get your personal questions answered.

Answer this week's trivia question here - www.PropertyTrivia.com.au

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Scott Campbell - Managing Director of Opteon Valuers https://opteonsolutions.com/about/team/scott-chapman

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Smart investors still make expensive mistakes, and surprisingly often, the problem begins inside their own heads.

We like to believe that our investment decisions are based on facts, careful analysis and rational judgment. Yet cognitive biases quietly shape which facts we notice, which risks we dismiss and which stories we choose to believe.

They encourage property investors to follow the crowd, cling to underperforming assets, chase yesterday's winning markets and become more confident precisely when they should be more cautious.

Louise Bedford – "The Money Chick" recently interviewed me about the psychology behind these decisions and the cognitive biases that quietly influence property and share-market investment decisions.

We examine how confirmation bias encourages investors to seek supporting evidence while ignoring information that challenges their preferred conclusions.

I explain why sunk cost fallacy can keep people holding underperforming properties instead of recognising their opportunity cost.

Louise and I explore how loss aversion, recency bias and anchoring can distort decisions during market uncertainty and changing property cycles.

We discuss practical ways to improve investment judgement, including using strategic plans, seeking disconfirming evidence and inviting experienced people to challenge your thinking.

Takeaways

• Cognitive shortcuts can distort otherwise intelligent investment decisions

• Confirmation bias makes selective research feel genuinely rational

• Strategic property plans reduce emotionally driven investment commitments

• Sunk costs can prolong ownership of poor-quality assets

• Small losses may become much larger financial mistakes

• Quality properties deserve patience through normal market cycles

• Poor assets turn patience into expensive denial

• Recent market trends rarely predict permanent future conditions

• Leading fundamentals matter more than short-term property headlines

• Independent advisers can expose blind spots before costly decisions

Chapters

• 02:44 - Why intelligence cannot prevent investment bias

• 03:34 - Confirmation bias and selective property evidence

• 12:19 - Distinguishing patience from investment denial

• 17:06 - How recency bias distorts market expectations

• 25:26 - Overconfidence, humility and disciplined investing

Links and Resources:

Answer this week's trivia question here - www.PropertyTrivia.com.au

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Louise Bedford – The Money Chick https://www.tradinggame.com.au/about-us/louise-bedford/

Talking Trading Louise's podcasthttps://www.tradinggame.com.au/why-choose-us/in-the-press/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Most property investors don't fail because they lack access to information.

In fact, today they have more information, more data, more forecasts, more podcasts, more software, more AI tools, and more opinions than ever before.

And that may be part of the problem.

Because when your brain is wired for survival, uncertainty can feel like danger. So rather than making clear, strategic decisions, many investors freeze, over-research, procrastinate, follow the crowd, or chase the next shiny object.

That's why I wanted to bring Dr. Noah St. John back onto the show.

Noah is known as "The Neural Performance Architect" and he has spent decades helping high performers, business owners, entrepreneurs, investors, celebrities, professional athletes, and ultra-successful families remove the hidden mental blocks that stop them achieving what they say they want.

In this episode I'm speaking with Dr. Noah St. John about how AI is reshaping investor thinking and decision-making.

We unpack why uncertainty, not lack of information, is what most often stalls property investors.

Noah explains how the "caveman brain" can trigger fear, procrastination, and overthinking when markets feel unclear.

We discuss why strategy and systems matter more than chasing perfect timing or chasing every new AI tool.

We also explore how habits, mindset, and self-awareness can help investors act with more clarity and confidence.

Takeaways

• AI amplifies existing thinking patterns, so clear strategy matters more than extra information.

• Fear often shows up as procrastination, delaying property decisions until opportunity passes.

• The "caveman brain" can make investors freeze when markets become uncertain.

• Strong systems reduce emotional decision-making and improve long-term investing consistency.

• AI can assist research, but it cannot replace human judgment or local perspective.

• Successful investors act despite uncertainty, rather than waiting for perfect confidence.

• Conversion matters more than leads because it turns interest into actual investment results.

• Breakthroughs come from removing internal resistance, not simply working harder.

• Daily habits shape whether investors build wealth or stay stuck in hesitation.

• Mindset determines whether freedom becomes reality through time, energy, relationships, and money.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Dr. Noah St. John – Tame Your Cave Man Brain

https://noahstjohn.com/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

What if the greatest threat to your property investment success isn't choosing the wrong suburb, paying too much or getting your timing wrong?

What if it's your inability to remain disciplined when the headlines become frightening, the forecasts turn gloomy and everyone around you starts questioning whether property is still a good investment?

Over the last six years, Australian property investors have lived through a pandemic, lockdowns, recession warnings, emergency-low interest rates, a property boom, rapid inflation, a punishing interest rate cycle, construction failures, wars, tax changes and repeated predictions of a housing market crash.

Yet property values rose substantially over that period, although some markets and some types of property performed considerably better than others.

So, how did some investors build significant wealth while others remained frozen on the sidelines, sold quality properties at the wrong time or chased yesterday's hotspots?

That is what I'm going to explain in today's show.

I explain why property investing is really a blend of hard data and smart judgement. I break down how research, finance, demographics, and supply and demand give us the science behind good decisions.

I also share why context, patience, and emotional discipline matter just as much as the numbers.

I look at how headlines, uncertainty, and market noise can push investors into poor decisions if they lose perspective.

I finish by showing why a long-term strategy matters more than chasing certainty or the latest hotspot.

Takeaways

• Fear and headlines often damage investing results more than poor suburb selection.

• Property investing combines research, finance, and demographics with judgment and patience.

• Market noise has included pandemics, inflation, rate rises, and repeated crash predictions.

• Median price growth can hide major differences between cities, suburbs, and property types.

• Data can mislead when it lags the market or reflects an unusual sales mix.

• Successful investors study scarcity, demand, income growth, and owner-occupier appeal.

• Interpretation matters because raw numbers rarely tell the full property story.

• Over-analysis can become procrastination disguised as careful decision-making.

• A strong strategy includes buffers, leverage control, and sensible ownership structure.

• Wealth comes from holding the right assets through multiple market cycles.

Chapters

• 00:00 - Fear can derail property decisions

• 01:38 - Science and art in property investing

• 05:01 - Reading context beyond the numbers

• 09:20 - Why long-term growth still matters

• 17:40 - Strategy beats reaction every time

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time?

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Did baby boomers become wealthy because they were better investors, or were they simply born at the right time?

It is a confronting question, because millions of Australians who bought property, invested in shares and contributed to superannuation over the past 40 years enjoyed one of the strongest financial tailwinds in modern history.

From the early 1980s, inflation and interest rates generally trended lower. As the cost of money fell, asset values rose, borrowing became progressively easier, and property, shares and bonds delivered unusually strong long-term returns.

Of course, plenty of boomers worked hard, saved carefully and made sensible decisions. Yet effort alone does not explain the extraordinary increase in household wealth. Timing played a much larger role than many people are comfortable admitting.

My guest today, Ashley Owen, believes that this golden era has ended. He argues that younger Australians are entering a very different world, with persistent inflationary pressures, higher average interest rates and potentially lower real returns across property, shares and bonds.

If Ashley is right, investors can't simply extrapolate the returns of the last 30 or 40 years into the future. Retirement calculations may be too optimistic, traditional asset allocations may be less reliable, and the next generation may need to save more, invest differently and remain invested for longer.

In this episode I'm speaking with Ashley Owen about how Australia's investment environment has changed across generations.

Join me as we unpack what this means for investors, retirees, and the next generation.

Takeaways

• Inflation is global, so Western economies tend to rise and fall together.

• Long periods of falling inflation create unusually strong returns across most asset classes.

• Government borrowing and loose fiscal policy can keep inflation pressures elevated.

• Military spending has repeatedly triggered major inflation spikes throughout history.

• The best recent investing decade was boosted by declining inflation and interest rates.

• Shares generally outperform bonds and cash during most long-term market cycles.

• Bonds can deliver weak or negative real returns during high inflation periods.

• Australian housing holds up better because debt is eroded by inflation over time.

• Rising protectionism and re-shoring increase costs across goods, wages, and supply chains.

• Starting early and avoiding crowd behaviour matter more than chasing short-term trends.

Chapters

• 05:08 - Why investors need a 150-year view of inflation • 08:54 - Three lessons from 150 years of global inflation • 22:26 - Every driver of the golden era has now reversed • 29:38 - What returns look like in high-inflation decades • 37:29 - Why Australian housing is the standout asset class

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Ashley Owen, Director of Owen Analytics https://www.owenanalytics.com.au/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

What if I told you that almost none of the financial decisions you agonise over actually matter?

Most investors worry about interest rates, the next hot suburb, tax changes, market timing, stock picking, and whether they should buy now or wait.

But what if 95% of your financial future is shaped by just a handful of decisions - many of them made quietly, early, and often without enough thought?

That's the fascinating idea we're unpacking today with Stuart Wemyss, founder of ProSolution Private Clients, who says there are really only a handful of decisions in your entire life that determine 95% of your financial outcome, and most of them have got nothing to do with property, shares, or the share market at all.

By the end of this episode, you'll know exactly what those decisions are, why most people get them wrong without even realising it, and how getting just four or five calls right can matter more than decades of diligent budgeting or clever investment picking.

In this episode Stuart and I outline the handful of financial decisions that can shape most of your lifetime outcomes.

We unpack why the big calls matter far more than obsessing over small, daily money choices.

We look at how partner alignment can either strengthen your wealth plan or create ongoing conflict.

We explore why career choice is really an income strategy, not just a lifestyle preference.

We discuss how your spending and saving philosophy needs to change as life stages change.

We finish by covering the tactical decisions that compound over time, including property, home ownership, superannuation, and advice.

Takeaways

• Your life partner shapes money habits, saving priorities, and long-term financial harmony.

• Shared financial goals reduce conflict and keep couples moving in the same wealth direction.

• Career choice matters because income potential sets the ceiling for future investing capacity.

• Choosing work aligned to skill and passion improves consistency, confidence, and earning power.

• A spending philosophy adapts across life stages, unlike rigid budgets that quickly become outdated.

• Some seasons demand aggressive saving, while others allow greater spending and enjoyment balance.

• The first property often creates the equity needed to accelerate later wealth-building moves.

• Buying quality in the right location can unlock borrowing power and future opportunity.

• Your home can become a powerful fallback asset through equity and tax-free growth.

• Superannuation decisions matter because fees and asset allocation compound over decades.

Answer this week's trivia question here –

https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Links and resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Stuart Wemyss – Prosolution Private Clients

Stuart's new book – Wealth by Design: 8 rules for smarter investing and financial freedom

https://www.amazon.com.au/Wealth-Design-smarter-investing-financial/dp/192318654X/

Please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Capital city home prices have continued to fall sharply over August with no sign yet of the usual pre-spring revival in activity.

The national capital city median house price fell by 1.8% over the August quarter to $1,226,833 compared to the July quarter, according to the latest data from My Housing Market.

In today's show Dr. Andrew Wilson explains what's really happening in Australia's property markets as we head into Spring.

We unpack why house prices have kept easing, why units are holding up better, and what the latest figures mean for buyers and investors.

We also look at how interest rate uncertainty, tax changes, and weaker confidence are shaping today's market conditions.

At the same time, we explore why low vacancy rates, strong migration, and housing shortages are still supporting the rental market.

If you're trying to make sense of the headlines, this episode gives you a clearer picture of where the cycle may be heading next.

Takeaways:

• National house prices fell again, extending the downtrend across Australia's capital cities.

• Sydney and Melbourne remain the weakest markets, driven by cautious buyer sentiment.

• Units are outperforming houses because affordability is pushing demand toward cheaper stock.

• A missing spring rebound shows confidence, not just prices, is still under pressure.

• Interest rate uncertainty is delaying major decisions from buyers and investors alike.

• Government tax changes are adding fresh caution to property market behaviour.

• Strong migration continues to support demand despite softer sales conditions.

• Housing undersupply is keeping vacancy rates low and rents under upward pressure.

• Melbourne units are showing resilience compared with the broader housing decline.

• Property cycles eventually turn, but recovery usually starts with renewed confidence.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Could you be earning a good income, owning property and still operating with a poverty mindset?

Could beliefs you absorbed as a child be quietly limiting how much wealth you build today?

And why do some people break free from financial hardship while others repeat the same patterns from one generation to the next?

My guest today, Tom Corley, spent years studying the habits and thinking of wealthy and financially struggling people, and what he discovered may make you reconsider some of your own beliefs about money.

Stay with us because, before we finish, Tom will help you identify the warning signs of a poverty mindset and give you practical ways to replace them with the habits and beliefs that support financial independence.

Tom and I discuss how childhood conditioning can shape money beliefs, habits, and emotional decisions for years.

We unpack the difference between victim thinking, entitlement, and the mindset wealthy people use to keep moving forward.

Tom shares practical ways to replace limiting patterns with wealth-building habits, gratitude, responsibility, and self-awareness.

Takeaways

• Money beliefs formed in childhood often control adult financial decisions.

• Spending every dollar can become a survival habit that blocks wealth.

• Closed minds stop learning, which creates blind spots in money decisions.

• Victim thinking encourages inaction by making people feel powerless.

• Entitlement mindset can exist in both inherited wealth and hardship.

• Frugal peer groups help saver-investors stay disciplined and avoid lifestyle creep.

• Wealth grows faster when people accept responsibility for their own outcomes.

• Gratitude improves mindset and supports better long-term financial choices.

• Social media comparison fuels envy by hiding debt and sacrifice.

• Tracking daily habits reveals patterns that can be inverted into growth.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Michael Yardney's and Tom Corley's Book – Rich Habits, Poor Habits

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Get Tom Corley's regular money tips here: https://richhabits.net/tips-articles/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

What if I told you that some of the worst financial decisions I've ever seen were made by some of the smartest people I know?

Doctors. Lawyers. Business owners. Executives. People who are genuinely brilliant in their field, yet they're making wealth mistakes that are quietly costing them hundreds of thousands of dollars, sometimes more.

And here's what's really interesting: their intelligence isn't protecting them. In some cases, it's actually making things worse.

Because smart people are used to being right. They research more, they debate more, they over-think more, and sometimes that confidence becomes a substitute for strategy.

So today, Greg Hankinson and I are going to walk you through the 12 biggest wealth mistakes we see even very smart people make. And I'll tell you, this isn't just theory. These are real patterns we've watched play out across decades of working with Australian investors at every income level.

We unpack how high incomes can hide poor financial habits and create a false sense of security.

We look at why more data does not automatically produce better property decisions.

We discuss how tax, emotion, and impatience can quietly derail long-term wealth building.

We finish by showing why strategy, perspective, and the right team matter far more than raw intelligence.

Takeaways

• Income alone does not create wealth when lifestyle spending rises just as quickly.

• Smart professionals often overthink decisions and confuse research with strategy.

• Too much data can cause paralysis, false confidence, and missed opportunities.

• Tax benefits should support an investment, not justify a poor-quality asset.

• Capital growth, not rent, usually drives long-term property wealth in Australia.

• Owner-occupier demand helps protect values and improves resale prospects over time.

• Good properties in the same suburb can perform very differently street by street.

• A proper wealth plan starts with the end goal and works backwards.

• Emotional reactions during downturns can trigger bad timing and unnecessary selling.

• Patience allows compounding, rent growth, and equity growth to do the heavy lifting.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of How to grow a multimillion-dollar property portfolio in your spare time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Greg Hankinson – National Director Metropolehttp://metropole.com.au/expert/expert-greg-hankinson/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

What if the greatest financial risk facing you isn't the next property downturn, another interest rate rise or even a recession, but the possibility that you live much longer than your money does?

Many Australians approaching retirement are planning around a model that belongs to another generation. They assume they'll stop working somewhere around 65 and need enough money for perhaps 15 or 20 years.

But if you live into your 90s or even reach 100, your retirement could last 30 or 35 years. That means decades of rising living costs, healthcare expenses and inflation gradually eroding the purchasing power of your money.

Suddenly, a superannuation balance that once seemed substantial may be nowhere near enough.

Living longer is clearly good news, but it changes the financial equation. You're likely to need a larger asset base, multiple streams of income and a wealth strategy extending well beyond superannuation alone.

Property will have an important role to play, both through owning your home and by holding carefully selected investment assets capable of growing in value and producing income over the long term.

In today's show, I chat with Simon Kuestenmacher about how increasing longevity will change retirement, employment, housing, relationships and the way Australians should invest.

We unpack why the old idea of stopping work at 65 is becoming outdated for more and more people.

We discuss how a longer retirement means your money needs to stretch across decades of living costs and healthcare.

We explore why property will play a bigger role in building income, security, and long-term financial flexibility.

We look at how ageing Australians will reshape housing demand, aged care, relationships, and the kinds of homes people need.

Takeaways

• Australians may need a much larger asset base to fund a 35-year retirement.

• Living longer increases healthcare costs, making inflation a bigger threat to savings.

• Property can provide long-term income and capital growth across extended retirement years.

• Semi-retirement is becoming more common as people ease out of full-time work.

• Employers will need more flexible roles to keep older workers engaged.

• Ageing populations increase demand for downsizers, retirement villages, and aged care.

• Family homes may stay off the market longer as owners live there into their nineties.

• More Australians will need adaptable housing with rails, showers, and step-free access.

• Strong friendships and social connection reduce loneliness and protect mental health in later life.

• A longer life rewards people who keep learning, stay active, and plan strategically.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time?

• Every entry receives a copy of a fully updated Property Report.

Michael Yardney

http://michaelyardney.com/

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

What if rising property values are making Australians wealthier on paper, while leaving many of us feeling less secure, more stressed and less satisfied with life?

Australia is a prosperous country, and millions of homeowners have built substantial wealth through property. Yet measures of happiness have remained flat or declined, while younger Australians increasingly feel locked out of the property market and excluded from the prosperity they see around them.

In today's show, I'm going to explore the growing divide between property wealth and personal wellbeing, and why housing now affects far more than our bank balances.

We'll look at how declining affordability, mortgage and rental stress, social media and the widening gap between property owners and non-owners are changing the way Australians feel about their future.

I'll also explain why money and property wealth still matter, but work best when they provide security, choices and control over your time rather than becoming part of an endless race to accumulate more.

By the end of today's show, I hope you'll have a clearer understanding of how to pursue financial independence without losing sight of the life your wealth is meant to support.

Takeaways

• Rising property wealth can still leave people feeling worse through constant comparison.

• Younger Australians face affordability barriers, delayed entry, and weaker deposit support.

• The Bank of Mum and Dad creates unequal housing outcomes for similar earners.

• Social media amplifies envy by showcasing highlights, not the hidden costs.

• Housing insecurity affects belonging, privacy, stability, and long-term life satisfaction.

• Rent rises can absorb wage growth and intensify household financial pressure.

• The hedonic treadmill makes each achievement feel normal surprisingly quickly.

• Wealth creates freedom when it reduces stress and expands life choices.

• Community connection and walkable neighbourhoods improve wellbeing beyond financial measures.

• Strategic investing should protect sleep, not fuel endless comparison and debt.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of How to grow a multimillion-dollar property portfolio in your spare time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Commercial property is suddenly attracting a great deal more attention from investors.

Following the recent Federal Budget changes, some residential property investors are looking at warehouses, offices and shops and wondering whether commercial property offers a safer tax environment, stronger cash flow and a better way forward.

On the surface, the numbers can look very attractive, but by the end of this show, you're going to understand the real differences between commercial and residential property, the risks that most residential investors never see coming until it's too late, what's actually driving capital growth in commercial and industrial property right now, and most importantly, where commercial property fits, and doesn't fit, in your wealth creation journey.

Today I'm joined by Brett Warren, National Director at Metropole and someone who's helped hundreds of investors work through exactly this decision.

We unpack how recent tax changes are pushing some buyers toward higher-yield assets, but also why yield alone can be misleading.

We explore the key differences between commercial and residential property, especially how leases, tenants, and business conditions shape performance.

We discuss why industrial property is benefiting from e-commerce, logistics demand, and scarce well-located land.

We finish by showing where commercial property fits in a broader wealth strategy, and why timing, structure, and risk management matter most.

Takeaways

• Commercial property can lift cash flow, but higher income usually comes with greater risk.

• Residential property generally suits wealth accumulation through long-term capital growth first.

• Commercial values depend heavily on rent, lease quality, and tenant strength.

• Vacant commercial premises can reduce income and also drag down capital value.

• Longer leases can provide certainty, but they also delay rent resets to market.

• Many commercial tenants pay outgoings, which improves net income for owners.

• Good commercial purchases often need larger deposits and stricter lending terms.

• Specialised buildings can be harder to re-lease when a tenant moves out.

• Industrial property is gaining momentum because warehousing demand keeps rising.

• Strong due diligence matters because the tenant's business becomes part of your investment risk.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of How To Grow A Multimillion-Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Brett Warren - National Director of Property at Metropole.

Subscribe to Brett's weekly live property market update on YouTube, The Market Room.

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Is now the right time to invest in property… or should you wait?

Everyone wants to buy at the bottom and sell at the top. But what if trying to time the market is actually sabotaging your wealth?

Today I'm joined by Joseph Ballota to discuss whether timing the property market is a good idea.

And by the end of this episode, you'll understand why long-term investors don't try to pick the cycle… they build wealth across multiple cycles.

Joseph and I discuss why trying to time property markets usually backfires, especially when headlines are loud and confidence is shaky.

We unpack how property moves in cycles, and why short-term fear can distract investors from long-term wealth creation.

I share why there's rarely a perfect time to buy, and why being financially ready matters more than waiting for ideal conditions.

We look at how different markets and suburbs behave differently, even when the broader market looks weak.

I also explain why quality assets, strong fundamentals, and patience matter far more than chasing the exact bottom of the cycle.

Takeaways

• Property markets move in cycles, so short-term fear often obscures long-term opportunity.

• Waiting for perfect timing usually means missing strong buying opportunities entirely.

• Different suburbs perform differently, even during the same broader market downturn.

• Owner-occupied, affluent areas usually hold value better than investor-heavy suburbs.

• Strong population growth keeps demand high in Brisbane, Perth, and Adelaide.

• Tight rental markets can lift rents even while property prices temporarily soften.

• Borrowing capacity matters, but confidence usually drives the next market recovery.

• Quality assets compound over decades, making timing less important than selection.

• Counter-cyclical investing sounds smart, but fear stops many investors from acting.

• Strategic planning helps investors avoid emotional decisions and build lasting wealth.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Joseph Ballota, Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/joseph-ballota/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten.

And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it.

So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you?

By the end of this episode, you'll know exactly what the man leading the opposition to these changes thinks should happen instead.

You'll know whether a change of government would genuinely wind back negative gearing and CGT reform, or whether that's politically unrealistic once the changes are locked in.

And you'll understand where the real blame sits for the property market slowdown, because it's not as simple as the headlines make out.

My guest today is the Hon Tim Wilson, the Federal Member for Goldstein and Australia's Shadow Treasurer and in this episode I'm speaking with him about what the recent tax and housing changes mean for property, business, and retirement outcomes.

We unpack how government debt, rising taxes, and weaker private investment are reshaping Australia's economic outlook.

Tim explains why policy uncertainty is damaging confidence for property investors, business owners, and overseas capital.

We discuss how changes to negative gearing, capital gains tax, and trusts could lift rents and deter new housing supply.

We also explore why a growth-focused, small-business-led economy is, in Tim's view, the best path forward.

Takeaways

• Government debt today becomes tomorrow's taxes, squeezing household spending and future investment choices.

• Inflation erodes living standards by lifting supermarket prices while wages and productivity struggle to keep pace.

• Public-sector job growth can crowd out private enterprise, weakening long-term economic resilience and innovation.

• Higher taxes on property investment reduce rental supply, pushing rents upward for tenants.

• Tax changes that hurt housing feasibility discourage builders, slowing new dwelling construction across the market.

• First-home buyer schemes can unintentionally inflate entry-level prices by boosting demand faster than supply.

• Retrospective rule changes destroy investor confidence, making long-term capital allocation far riskier.

• Trust tax reforms may trigger costly restructures, wasting time and money across the economy.

• Prioritising super over home ownership delays deposits, family formation, and wealth-building for younger Australians.

• Small businesses drive productivity and hiring, so backing them supports broader economic growth and opportunity.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report

Michael Yardney – Subscribe to my Property Update newsletter here.

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Hon Tim Wilson – Shadow Treasurer https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=IMW

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

July has delivered the clearest evidence yet that Australia's property market has changed direction, but the headline figures only tell part of the story.

Capital city house prices fell by 1.5 per cent over the month, the sharpest national decline since August 2022, while Sydney recorded a particularly significant fall of 2.7 per cent.

Melbourne house prices are now almost 6 per cent lower since the beginning of the year, and prices also declined across Brisbane, Adelaide, Perth and Darwin during July.

Yet look beneath those monthly figures and Australia still has several very different property markets moving at different speeds, with units holding up better than houses nationally, despite some substantial monthly falls in individual capitals.

So, are these July figures simply the result of the usual winter slowdown, amplified by higher interest rates and reduced confidence, or are they signalling a more serious downturn?

That's what I'm ask Dr. Andrew Wilson, in today's show as we discuss the latest housing market movements and what they mean for buyers and investors.

We unpack how winter conditions, higher rates, and weaker confidence have slowed activity across the capital cities.

We look at why Sydney and Melbourne are underperforming, while Perth, Brisbane, and Darwin remain remarkably resilient.

We also explore why units are holding up better than houses, especially in markets with stronger underlying demand.

Finally, we discuss rents, inflation, and the Reserve Bank outlook, then finish with a long-term view on opportunity in the downturn.

Takeaways

• Capital city house prices fell 1.5 percent, signalling a broader winter slowdown.

• Sydney's sharper decline reflects weaker clearance rates and softer buyer demand.

• Melbourne and Sydney are lagging because premium segments are correcting faster.

• Perth, Brisbane, and Darwin still show strong annual growth momentum.

• Units are outperforming houses because affordability keeps buyers in that market.

• Low vacancy rates are keeping rental pressure high across most capitals.

• Higher rents increase cash flow pressure for tenants and improve investor yields.

• Strong employment is supporting housing demand despite market uncertainty.

• Rising electricity costs are adding inflation pressure and influencing Reserve Bank decisions.

• Longer term investors can benefit when uncertainty reduces competition and improves negotiation power.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

You've probably heard the media, politicians and economists talking about "the inflation rate" as though every Australian is experiencing the same increase in their cost of living.

But the official CPI figure may bear little resemblance to what is happening in your household.

Because here's the uncomfortable truth. That headline number is an average. It's a blend of everything from lettuce to laptops, and if your money goes on housing, health care, insurance and electricity rather than imported gadgets and clothing, your real cost of living has probably been running well above what the news is telling you.

Today we're going to pull that number apart. We're going to look at who actually suffers the highest inflation in this country, why government policy is doing more damage to your cost of living than any war or supply shock, and why understanding your own personal inflation rate matters just as much to your wealth-building strategy as your choice of property.

By the end of this episode you'll know exactly where you sit on what my guest calls the inflation pyramid, which categories of spending are quietly eating your returns, and why housing costs in particular have become one of the clearest examples of government-made inflation in the country.

My guest today is Ashley Owen, Principal of Owen Analytics and one of the most respected independent economists and investment analysts in Australia.

Takeaways

• Official CPI figures hide big differences between household spending patterns and real cost pressures.

• Renters face stronger inflation because more of their budget goes to utilities, taxes, and housing costs.

• Government-driven costs push housing inflation higher through taxes, regulation, and construction bottlenecks.

• Imported goods often offset inflation, but local services keep rising through wage and productivity pressures.

• Insurance, healthcare, and education climb faster because they rely heavily on expensive Australian labour.

• Personal inflation rates matter more than averages when planning retirement withdrawals and long-term cash flow.

• Higher inflation erodes mortgage balances over time, benefiting borrowers who own quality assets.

• Delayed rate cuts and political spending can keep interest rates higher for longer.

• Land scarcity in concentrated cities pushes up property values and construction costs.

• Wealth plans must outperform inflation or purchasing power steadily shrinks over decades.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter here.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Ashley Owen, Director of Owen Analytics https://www.owenanalytics.com.au/

Articles mentioned in the podcast:

· Housing inflation higher than CPIhttps://www.owenanalytics.com.au/2026jul20-housing-inflation

· What's your personal inflation rate?https://www.owenanalytics.com.au/2026jul14-infl-categ

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Most investors think the goal is to eventually build a portfolio that throws off enough passive income to live on.

It sounds sensible, doesn't it? Buy assets, collect the rent or dividends, and one day replace your salary.

But what if that idea is not only outdated, but mathematically inefficient?

What if chasing income too early actually leaves you with less wealth, less flexibility, and more risk in retirement?

Today I'm joined by Stuart Wemyss who back in 2018, published Investopoly, built around eight golden rules for building wealth.

Since then, we've had a property boom, COVID, a lending crunch, a rapid rate-rising cycle, and a very different investment environment.

So the obvious question is: which of those rules still hold up? Which ones needed sharpening? And which one did Stuart actually reverse?

In this episode I'm speaking with Stuart Wemyss about how he's refined his thinking on building wealth with intention.

We unpack the core principles that still matter most when choosing quality assets and setting a long-term strategy.

We discuss how cash flow, investment efficiency, and time work together to shape stronger financial outcomes.

We explore why buying the right assets at the right price matters more than chasing short-term market noise.

We finish by looking at how changing market conditions, tax rules, and longevity risk influence smarter property decisions.

Takeaways

• Wealth building works best when strategy, patience, and discipline all align consistently.

• Quality assets outperform average ones because scarcity supports stronger long-term demand.

• Cash flow strength helps investors stay resilient through interest rate rises and uncertainty.

• Investment efficiency improves returns when capital is directed into assets with growth potential.

• Time amplifies property wealth by allowing compounding to reward long-term holders.

• Buying well matters because entry price strongly shapes eventual capital growth.

• Chasing short-term trends can distract investors from fundamentals that actually build wealth.

• Changing tax and lending rules can alter the best structure for investing.

• Longevity risk means retirees need assets that balance income, growth, and liquidity.

• Future-focused investing means choosing assets that tomorrow's buyers will still want.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Stuart Wemyss – Prosolution Private Clients

Stuart's new book – Wealth by Design: 8 rules for smarter investing and financial freedom

https://www.amazon.com.au/Wealth-Design-smarter-investing-financial/dp/192318654X/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Right now, thousands of Australian property investors are being drawn to off-the-plan properties like moths to a flame. And I understand why.

After the 2026 Federal Budget changes to negative gearing and capital gains tax, new properties are suddenly looking very attractive. The marketing is glossy, the tax benefits sound compelling, and the salespeople are convincing.

But here's what those salespeople won't tell you. Signing that contract is the easy part. What happens over the next two years - and at settlement - can financially ruin you.

Today, I'm chatting with Dorian Traill, Senior Wealth Strategist at Metropole, who walks us through exactly how the finance side of these deals works, and more importantly, all the ways it can go catastrophically wrong.

If you or someone you know is being tempted by an off-the-plan purchase right now, you need to hear this episode before you sign anything. And even if you're not interested in buying off the plan at present, there's going to be some great tips from Dorian to help you as a property investor.

In this episode, we discuss the hidden risks of buying off the plan in today's changing market.

We unpack why glossy marketing, tax incentives, and pre-sales can make these projects look safer than they really are.

We discuss how long settlement timelines expose buyers to finance changes, income shocks, and valuation gaps.

We explore why lender caution, oversupply, and shrinking loan ratios can derail a deal at settlement.

We also look at how contract clauses, design changes, and delayed builds can leave investors trapped in risky commitments.

Takeaways

• Off-the-plan sales help developers secure bank funding by proving enough pre-sales.

• Buyers often commit years before completion, increasing exposure to changing circumstances.

• Conditional finance approvals usually expire long before settlement arrives.

• Lenders may reject loans in oversupplied postcodes or high-rise buildings.

• A lower valuation at settlement can force buyers to find extra cash.

• Oversupply can push rents down after temporary rental guarantees end.

• Small apartments often attract fewer buyers and weaker resale competition.

• Contract variation clauses can reduce apartment size or alter finishes materially.

• If a developer fails, buyers may remain trapped in limbo.

• Tax benefits cannot rescue a poorly chosen property or weak location.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Dorian Traill – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Today, I want to share 25, let's call them commandments, for financial wealth and success.

And to get the message across best to you, I decided to do something a little different. Normally, I have a guest, but this time it will be just you and me as I share these ideas with you.

These aren't property rules, and most of them aren't even investment rules in the traditional sense.

They're the broader truths about money and behaviour I've collected over the years, the ones that apply whether you're buying property, building a business, or simply trying to retire with options rather than regrets.

In this episode, I discuss that real wealth comes from mindset, patience, and discipline more than from chasing shortcuts or trying to predict the market.

I also emphasize that progress should be measured against your own starting point, not against other people's highlight reels.

I also remind you that ultimately, the person you become matters just as much as the assets you build.

Takeaways

• Wealth is built through patience, consistency, and discipline

• Market volatility is the price of long-term growth

• Measure your progress against your own starting point

• Focus on process, not market predictions

• Quiet accumulation creates real wealth

• Character matters as much as money

• Emotional steadiness helps during uncertainty

• Luck favours those who prepare well

• Reinvest consistently over time and allow compounding to work its magic.

• Avoid chasing shortcuts and quick wins

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time?

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High-performance mindset• Risk management thinking• Decision-making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Most of us spend years trying to figure out money - what to do with it, how to invest it, how to make it work harder. But imagine if someone had taught you the fundamentals when you were a child.

Because here's what I've seen over the years - the families who build lasting generational wealth don't just accumulate assets. They pass on the mindset, the habits, and the financial literacy that lets the next generation take it even further.

So what if we could give our kids that advantage? What if we could raise children who grow up genuinely confident about money, investing, and building wealth - instead of spending their adult years trying to unlearn bad money habits?

And don't worry if you don't have children yet or are not planning to have children. There'll be lots in today's show to help you with your money habits.

My guest today - Sarah Megginson is one of Australia's most recognised personal finance experts, with over 20 years of experience in property, finance and investment journalism. Her new book is called "How to Raise Rich Kids: Build Lasting Wealth for Your Children" - and it's a genuinely practical guide for any parent who wants to get this right, whether they feel totally on top of their own finances or are still working it out themselves.

In this episode I'm speaking with Sarah Megginson about raising financially confident kids and why money habits start earlier than most parents realise.

We unpack how children absorb money attitudes from home, and why your own behaviour shapes their financial future.

We discuss practical ways to teach budgeting, saving, and decision-making through everyday moments like shopping and family conversations.

We also look at how digital money, credit, and buy now, pay later can confuse young people without proper guidance.

Finally, we explore why the real legacy is not just wealth, but financial intelligence, confidence, and family values.

Takeaways

• Early money lessons at home shape children's habits long before adulthood.

• Open conversations about money reduce fear and build financial confidence.

• Children learn budgeting faster when they help compare real prices.

• Digital spending removes friction, making impulse purchases easier to justify.

• Buy now, pay later can hide debt from young people's awareness.

• Parental stress around money often becomes children's emotional money blueprint.

• Passing on financial intelligence matters more than handing over assets.

• Involving kids in decisions builds responsibility and long-term confidence.

• Reframing "we can't afford that" teaches values, not scarcity.

• Regular family money talks help prevent silence, shame, and poor financial choices.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of Negotiate Influence Persuade.

• Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

Sarah Megginson's Book How to Raise Rich Kids - https://www.amazon.com.au/How-Raise-Rich-Kids-Children/dp/1923390244

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to create a Strategic Property plan for your needs. Click here and have a chat with us.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Here's a question that makes almost every Australian a bit uncomfortable if they're honest with themselves.

Do you actually want housing to become more affordable, or do you just want it to become more affordable for your kids while your own home keeps growing in value?

That tension sits underneath almost every conversation about housing affordability in this country, and it's rarely spoken about directly.

By the end of this episode, you'll understand why affordability isn't really one problem but several problems wearing the same name, why a property crash wouldn't actually solve anything, and why the real path forward for Australia is a much slower and more deliberate one than most people expect.

In this episode I'm speaking with Simon Kuestenmacher, and we unpack why housing affordability is more complex than the headlines suggest.

We explore why affordability isn't one problem, but several issues hiding under the same label.

We discuss how a property crash would not fix the structural pressures driving Australia's housing debate.

We look at the tension between wanting cheaper homes for the next generation and preserving wealth in existing property.

We also examine why slower, more deliberate change is the only realistic path forward for Australia's housing future.

Takeaways

• Housing affordability includes income, supply, migration, and policy pressures all at once.

• Rising property values can create wealth for owners while worsening access for first-home buyers.

• A property crash would damage confidence, savings, and household balance sheets broadly.

• Slow housing reform helps avoid panic while still improving long-term market stability.

• Population growth continues to pressure demand even when new supply is expanding.

• Affordability debates often mix emotional arguments with very different economic realities.

• Existing homeowners may support change for others while resisting value declines themselves.

• Demographic shifts strongly influence where demand grows across cities and regions.

• Short-term headlines can distract investors from structural trends shaping future property performance.

• Better decisions come from understanding trade-offs rather than chasing simplistic housing slogans.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time?

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter her

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

What if someone handed you the answers before you sat the exam?

That's essentially what today's guest is doing.

After decades of personal property investing and working alongside hundreds of investors at Metropole, Adam Hubbard has distilled everything he's learned - the wins, the near-misses, and the lessons that only time and experience can teach - into 10 principles that could genuinely reshape how you approach building wealth through property.

These aren't theories. They're hard-won truths from someone who has lived through multiple market cycles, seen investors make the same costly mistakes over and over, and quietly built significant wealth by staying the course when others panicked.

By the end of this conversation, you'll know exactly what separates investors who achieve real financial independence from those who stay stuck, why the most successful investors often look boring compared to everyone else, and what Adam would do differently if he were starting out today.

Takeaways

• Mindset shifts are crucial for evolving as a successful property investor.

• A clear investment plan is essential for navigating property markets effectively.

• Long-term perspectives help investors outperform short-term market fluctuations.

• Research is key to identifying high-growth property locations.

• Effective debt management is both an art and a science.

• Contrarian thinking helps investors ignore media hype and focus on fundamentals.

• Building a professional team treats property investment as a business.

• Market cycles and economic uncertainty require strategic navigation.

• Inflation supports long-term property wealth creation.

• Avoiding analysis paralysis is crucial for taking decisive investment steps.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Adam Hubbard – Senior Wealth Strategist Metropole https://metropole.com.au/expert/adam-hubbard/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Australia's property market has changed gears again.

For the last few years, we've had a market driven by strong population growth, a chronic shortage of homes, tight rental markets and buyers who were desperate to get in before prices moved further away from them.

But according to Domain's latest FY2027 Forecast Report, we're now entering a very different phase.

Sydney and Melbourne house prices are forecast to fall over the next year, and Canberra is also expected to soften.

At the same time, Brisbane, Adelaide and Perth are still forecast to grow, although at a much slower pace than we've seen over the last couple of years.

And interestingly, Domain expects units to outperform houses in many of our capital cities as affordability pressures reshape the way Australians buy property.

Now, I know some people will hear this and think, "Here we go again, the market is about to fall." But that's not the way I see it.

This is not one national property market moving in one direction. It is a collection of very different markets, at different stages of their cycles, being influenced by interest rates, borrowing capacity, supply shortages, buyer confidence and changing investor behaviour.

And for property investors, that distinction matters.

Because averages can be misleading. Headlines can be dangerous. And forecasts are useful only if you understand the assumptions behind them.

Today I chat with Dr Nicola Powell about Australia's property market and the latest Domain forecast.

We unpack why the market is fragmenting across capital cities and what that means for buyers and investors.

We look at how interest rates, borrowing capacity, and rising supply are changing market conditions.

We discuss why houses and units are now moving in different directions, especially in Sydney and Melbourne.

We explore why long-term investors should focus on cycles, location, and strategy rather than short-term headlines.

Takeaways

• Australia's property market is fragmenting, with each capital city following different conditions.

• Higher interest rates have reduced borrowing capacity and cooled buyer urgency.

• Sydney and Melbourne are more sensitive to rate changes because prices are already high.

• Rising supply is shifting negotiating power toward buyers in several markets.

• Price downturns are usually shorter and milder than the growth phases before them.

• Undersupply and construction costs continue to support medium-term property values.

• Units are expected to outperform houses as affordability pressures intensify.

• Well-located, owner-occupier-style apartments usually hold up better than investor stock.

• Brisbane's rapid growth has pushed unit prices toward Sydney-level territory.

• Long-term success comes from patience, quality buying, and riding market cycles.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Michael Yardney Subscribe to my Property Update newsletter here.

Dr Nicola Powell - Chief of Research & Economics for Domain: https://www.domain.com.au/news/author/dr-nicola-powell/

Domain's FY27 Forecast Report:

https://www.domain.com.au/research/forecast-report-2027-1525739/

Domain's Property Cycle Report:

https://s3.ap-southeast-2.amazonaws.com/ffx.adcentre.com.au/domain/2026/QuickTakes/Domain_PriceCycle_Jul2026.pdf

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

House prices are falling across most of our capital cities right now, and the rate of decline is actually picking up speed.

Now, I know what the headlines are going to say about that. They'll call it a crash, a correction, a crisis — and frankly, most of those headlines will be written to scare you, not inform you.

So what's really going on? Is this the beginning of something serious, or is this just a market catching its breath after three extraordinary years of growth?

Today, I cut through the noise as I am joined by Dr. Andrew Wilson Chief Economist at My Housing Market, who's been tracking Australian property cycles for decades. He's the person I turn to every month for the numbers that actually matter.

In this episode we discuss the latest shifts in Australia's property markets and what they mean for investors.

We unpack why capital city house prices are easing after a strong run, with higher rates, affordability pressure, and weaker confidence all playing a role.

We look at how Australia's property market remains highly fragmented, with some cities softening faster while others are still holding up well.

And we discuss why tight rental vacancies continue to push rents higher, even as buyers and sellers become more cautious.

We also explore why units are outperforming houses in many locations, and why that matters for investors navigating a winter market.

Takeaways

• Australia's market is pausing after strong gains, not entering a collapse.

• Higher interest rates have reduced borrowing power and cooled buyer demand.

• Affordability pressures are pushing many buyers out of expensive house markets.

• Melbourne's top end has weakened, dragging broader median results lower.

• Perth still shows strong annual growth despite a recent easing in momentum.

• Units are outperforming houses in many capital city markets right now.

• Low vacancy rates are continuing to put upward pressure on rents.

• Chronic housing undersupply is the key long-term support for prices.

• Strong migration is adding fresh demand to already tight housing markets.

• Confidence usually returns before the spring selling season begins.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

You can be wealthy on paper and still feel poor in retirement. That's the challenge for many property investors: they're asset-rich, but their cash flow doesn't support the lifestyle they want.

That's why many investors think retirement means selling down the portfolio, paying off the debt, and living on what's left. But what if that's not the smartest strategy? What if the better outcome is keeping your best assets and restructuring around them?

That's what I discuss today with Dorian Traill, Wealth Planner at Metropole, who has been involved in property and finance since the late 1990s.

Dorian brings a rare combination of practical lending experience, strategic property thinking, and a deep understanding of how investors can move from the accumulation stage into retirement without making panic decisions.

Today we're going to discuss how investors approaching retirement can retain as many quality properties as possible by restructuring finance, improving cash flow, and making strategic asset decisions.

And even if you're nowhere near the retirement phase of your journey yet, today's show should be of interest to you to help you how to plan the path ahead.

Join us as we uncover strategies to preserve wealth and enhance your property portfolio.

Takeaways

• Retaining properties can lead to long-term capital growth and inheritance benefits.

• Positive cash flow management is more crucial than eliminating debt entirely.

• Early planning helps transition smoothly from growth to retirement phases.

• Refinancing can turn negative cash flow properties into positive assets.

• Interest-only loans can provide flexibility during financial transitions.

• Selling underperforming assets can boost overall portfolio performance.

• Self-managed super funds offer tax advantages for property investments.

• Reverse mortgages can be a tool for accessing home equity in retirement.

• Debt recycling can enhance cash flow and investment potential.

• Strategic planning aligns financial goals with personal retirement aspirations.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Dorian Traill – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies in Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Most people think building wealth through property is about being smart enough to pick the right suburb, time the market perfectly, or analyse the data better than everyone else.

What if the most important lessons weren't about property at all?

Albert Einstein never bought a house as an investment. He never negotiated with a bank or agonised over a depreciation schedule. But buried in the things he said across his lifetime are some of the clearest, sharpest principles I've ever come across for thinking like a long-term investor.

In this episode, I speak with Joseph Ballota, senior wealth strategist at Metropole and discuss why having too much information can be just as dangerous for property investors as having none at all, why the best investors are often the ones who know what they don't know, and why every downturn in property history has quietly created the next generation of wealthy Australians.

Joseph shares insights on the common mistakes investors make, such as emotional decision-making and analysis paralysis.

Join us as we delve into how changing your mindset can transform your investment outcomes.

Takeaways

• Understanding property investment as a process is crucial for long-term success.

• Emotional decisions often lead to poor investment outcomes.

• Building a knowledgeable investment team can prevent costly mistakes.

• A clear strategy helps navigate market uncertainties effectively.

• Acting counter-cyclically requires courage but can yield significant rewards.

• Changing your mindset can lead to better investment decisions.

• Analysis paralysis can hinder investment progress.

• A strategic approach is essential for successful property investment.

• The right team can help you see blind spots in your investment strategy.

• Investing with a framework keeps errors manageable.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Joseph Ballota, Senior Wealth Strategist, Metropole https://metropole.com.au/expert/joseph-ballota/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Today, we're diving into the wisdom, And perhaps the warnings, Of one of the most iconic voices in personal finance, Robert Kiyosaki.

Now, you've probably heard his famous advice: 'Buy assets, not liabilities,' or his stories about the Rich Dad and the Poor Dad. But here's the thing - hile Kiyosaki's early lessons transformed the way many of us think about money, his more recent tone has taken a darker turn.

But today, Ken Raiss, Director of Metropole World Advisory, and I discuss, what's still relevant, what's changed, and how can we apply his insights to today's market, especially here in Australia.

Takeaways

· Wealth is built by acquiring assets, not liabilities.

· Your mindset significantly influences your financial outcomes.

· Education is essential, but experience teaches valuable lessons.

· Taking action is crucial; waiting for perfect conditions can hinder progress.

· A strategic plan is necessary for successful investing.

· Mistakes are opportunities for learning and growth.

· Surround yourself with supportive and successful individuals.

· Long-term investment perspectives yield better results.

· Economic uncertainties are inevitable; prepare for them.

· Financial independence allows for greater life choices.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

Building long-term wealth Creating intergenerational wealth Passive income strategies Australia Asset allocation and portfolio growth Financial freedom through property Strategic investing for professionals and business owners Risk management and wealth protection Structuring your investments for capital growth Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.au https://metropole.com.au

Most investors say they're long-term investors.

But then they check auction clearance rates every weekend, worry about the next interest rate decision, chase the latest hotspot, and get distracted by whatever the media says is working right now.

And that's a problem, because real wealth rarely comes from the investment that looks exciting today.

It comes from owning the right assets for long enough to let compounding do the heavy lifting.

In today's show, I'm going to chat with independent financial adviser Stuart Wemyss about what he calls "The Forever Test" - a simple but powerful filter for making better investment decisions.

We discuss how short-term media distractions can hinder true wealth creation.

And we highlight the significance of focusing on assets with strong fundamentals and staying power.

Join us as we delve into the power of compounding capital growth over decades.

Takeaways

• Long-term investment strategies reduce emotional decision-making and enhance wealth growth.

• The "Forever Test" helps identify investments with enduring value and potential.

• Compounding capital growth significantly increases asset value over extended periods.

• Short-term market reactions often undermine long-term financial stability.

• Strategic investors prioritise fundamentals over fleeting market trends.

• Location and structural demand are crucial in property investment success.

• Patience and discipline are key to navigating market volatility.

• Quality assets in prime locations offer better long-term returns.

• Emotional decision-making can lead to costly investment mistakes.

• Understanding demographics aids in selecting investment-grade locations.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of Negotiate Influence, Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Stuart Wemyss – Prosolution Private Clients

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Today's podcast is a little different as it is a replay of a discussion I had with Joey D'Agata on the Property Strategy Podcast about the evolution of my investment philosophy and the lessons learned over the five decades I've been involved in property.

We explored my investment philosophy and how my thinking has evolved over time and the lessons I've learned as I progressed from being a beginning investor to a sophisticated investor with a substantial property portfolio.

We discuss the importance of strategic planning in property investment and how it can lead to long-term financial freedom.

We also explore the role of demographics and infrastructure in determining property value and investment success.

Additionally, we analyse the impact of intergenerational wealth transfer on the property market and future opportunities.

Join us as we provide insights to help you make informed investment decisions in today's dynamic market.

Takeaways

• Strategic planning is crucial for achieving long-term financial freedom through property investment.

• Understanding demographics helps in identifying high-value property investment opportunities.

• Infrastructure development significantly influences property value and investment success.

• Intergenerational wealth transfer creates new opportunities in the property market.

• Diversifying property types can enhance investment resilience and growth.

• Buying quality assets in high-growth areas ensures better returns.

• Managing debt effectively is key to transitioning to a cash flow-based lifestyle.

• Rent vesting offers flexibility for young investors seeking lifestyle locations.

• Long-term investing benefits from compounding wealth and strategic asset management.

• Government incentives and tax changes impact property investment strategies.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of Negotiate, Influence, Persuade.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

What if you could sit down with someone who's spent over 50 years investing, building wealth, making mistakes, and getting it right… and ask them what they wish they'd known about money from day one?

Most people think building wealth is about finding the right investment or timing the market perfectly.

But after more than 50 years of investing, I can tell you that's not what really makes the difference.

The biggest financial mistakes I've seen – including some of my own – didn't come from bad markets. They came from misunderstandings about money itself.

In today's show, leading property tax expert Ken Raiss and I discuss the differences between long-term investing and speculation, and we analyse practical tips for property investment and asset management, focusing on quality assets and ownership structures.

Join us as we provide insights to help you make informed business and investment decisions in the face of market uncertainty.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Most people have strong opinions about rich people.

They think the wealthy are lucky. Or greedy. Or born into privilege. Or somehow wired differently.

But here's the problem… if you believe any of that, there's a good chance you'll never build real wealth yourself.

Because those stories aren't just wrong – they're dangerous.

Today, Tom Corley and I discuss the common myths surrounding wealth and the psychology of successful individuals.

We discuss the importance of mindset, the role of luck, and the common misconceptions about intelligence and income.

We explain that wealth is not solely determined by high income or intelligence, but rather by behaviour, discipline, and the ability to learn from failure.

Our conversation also highlights the lifestyle choices of wealthy individuals and the significance of self-education in achieving financial success.

Takeaways

Links and Resources:

Answer this week's trivia question here - www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's How to Grow a Multi-Million Dollar Property Portfolio in Your Spare Time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth • Investor behaviour and market cycles • Rich habits vs poor habits • High performance mindset • Risk management thinking • Decision making under pressure • Long-term investing discipline • Overcoming fear in property markets • Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.au https://metropole.com.au

If you've been following the headlines, you'd be forgiven for thinking property markets rise and fall on the back of interest rates, government policy, or the latest migration numbers.

But when you step back and look at what really drives long-term property performance, a different story starts to emerge.

In fact, the biggest driver of property values isn't what most commentators focus on at all.

In today's show I speak with leading demographer Simon Kuestenmacher about the real drivers of property markets.

We explore why employment, not just population growth, is crucial for property value growth.

Simon and I discuss how job quality and security influence housing demand and investment.

We analyse the impact of demographic trends and local economies on property strategies.

Join us as we provide insights to help you make informed investment decisions.

Takeaways

• Employment growth drives property values more than population increases.

• Local economies and job security boost housing demand and confidence.

• Dual-income households significantly impact property prices and market dynamics.

• Infrastructure linked to jobs supports sustainable economic growth.

• Industry diversity strengthens local economies and property markets.

• High-income jobs in city centres attract property investment.

• AI and hybrid work models reshape property location preferences.

• Defense spending boosts property markets in specific regions.

• Long-term planning is crucial for understanding job quality and local economies.

• Skilled, high-income households drive property market growth.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of Negotiate, Influence, Persuade.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

The property market has just taken an interesting turn.

After a strong run, we're now seeing signs that higher interest rates, affordability pressures and buyer uncertainty are starting to bite.

But as always, the headline numbers don't tell the full story.

Some markets are slowing, some are still showing resilience, and underneath it all we still have the same big issue: Australia simply isn't building enough homes for the people who need them.

So today, Dr Andrew Wilson and I unpack what's really happening in our housing markets, what the latest end-of-month figures are telling us, and what this means for homeowners, investors and buyers as we move through the rest of the year.

Because the real question isn't just whether prices have risen or fallen this month.

It's whether this is a temporary pause, the start of a broader slowdown, or another example of Australia's property markets moving at different speeds.

Join us as we delve into the data to help you navigate the complexities of the property market.

Takeaways

• Recent interest rate hikes have led to a temporary decline in property prices.

• Australia's property market remains fragmented, with some regions showing resilience.

• Media narratives can significantly influence consumer sentiment and market behavior.

• Strategic investment decisions are crucial in navigating market cycles.

• The cyclical nature of the market presents opportunities for savvy investors.

• Understanding regional differences is key to making informed property decisions.

• The current market conditions may favor buyers looking for less competition.

• Long-term growth prospects remain strong despite short-term fluctuations.

• Changes in property taxes could dampen market activity temporarily.

• The spring selling season may bring renewed activity in the housing market.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

It doesn't matter whether you own an investment property, whether you're renting, or whether you're desperately trying to buy your first home. This Federal Budget has just made your situation harder.

If you're a tenant, rents are already punishing. Vacancy rates are near record lows, and there simply aren't enough rentals to go around. The tax changes will lightly push rents even higher.

If you're trying to buy your first home, you're already fighting a market that has taken the average deposit savings time out to over 11 years. The budget does nothing to fix the supply shortage that is keeping prices out of reach.

And if you're a property investor, the rules you planned around have just been rewritten mid-game.

What connects all three groups is this: Australia has a housing crisis that is fundamentally a supply problem, and the government is responding with a tax policy that does nothing to build a single new home.

In today's show, I speak with Senator Andrew Bragg, the Shadow Minister for Housing and Homelessness, who has been one of the most outspoken voices in Parliament on exactly this point.

By the time you finish this episode, you'll understand why these negative gearing and capital gains tax changes are going to hurt renters, first-home buyers, and investors alike, and what a genuine housing solution actually needs to look like.

Join us as we uncover strategies for navigating the current property market landscape.

Takeaways

• Australia's housing crisis is primarily due to a shortage of supply.

• Recent budget changes may increase financial pressure on renters and buyers.

• Negative gearing reforms could discourage small investors from entering the market.

• Capital gains tax changes might affect long-term investment strategies.

• Migration policies need to align with housing supply to stabilise prices.

• Superfunds becoming landlords could reshape the rental market landscape.

• Strategic planning is crucial to avoid reactionary investment decisions.

• Building more homes is essential to address affordability issues.

• Government policies should focus on both demand and supply sides.

• Understanding market fundamentals helps in making informed investment choices.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Senator Andrew Bragg - https://www.andrewbragg.com/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week, we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

There's a strange thing that happens to many property investors.

They'll spend hours worrying about tax, negative gearing, capital gains tax, trusts, land tax, and what the next government might change - yet they'll give far less thought to the quality of the asset they're buying, the level of debt they're taking on, or whether their portfolio is actually going to deliver the long-term returns they need.

And that's dangerous, because saving tax on a poor investment is still a poor investment.

In today's show I chat with independent financial adviser Stuart Wemyss about why investors who obsess over tax often miss the bigger picture.

Now, let me be clear…tax matters. Structures matters. Getting advice matters.

But tax is only one input into your investment system, and for many investors it's not the most important one. In fact, the drive to minimise tax can sometimes lead to decisions that cost far more than the tax they were trying to save.

Stuart Wemyss and I discuss why focusing solely on tax savings can detract from the bigger picture of wealth creation.

We discuss the importance of selecting quality assets and the long-term benefits of strategic property management.

We delve into how proposed tax changes might impact investment strategies and how to adapt effectively.

Additionally, we highlight the significance of understanding internal rates of return and proactive asset management.

Join us as we provide insights to help you make informed investment decisions amidst changing policies and market conditions.

Takeaways

• Obsessing over tax can lead to poor investment choices. • Asset quality is more important than tax savings. • Long-term growth should be prioritised over short-term tax benefits. • Proposed tax reforms could impact property investment strategies. • Proactive management is key to maximising returns. • The five wealth levers are crucial for investment success. • Complex structures may not always be beneficial. • Balancing asset selection with debt management is essential. • Long-term thinking leads to better wealth creation. • Strategic property investment remains effective despite tax changes.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Stuart Wemyss – Prosolution Private Clients

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

For decades we've celebrated rising house prices in Australia. If your home was worth more this year than last, life felt a bit easier.

Politicians were happy, banks were happy, homeowners were happy.

But after 50 years of almost uninterrupted price growth, we need to ask a harder question: Is it actually good for us if housing just keeps getting more expensive?

The answer, of course, depends on who you are.

Because rising prices have created a lot of winners in Australia: homeowners, investors, banks, governments, tradies, and retailers.

But they've also created a growing group of losers – renters, younger Australians, essential workers, small businesses, and even the future middle class.

So today leading demographer Simon Kuestenmacher and I discuss the question question almost no one in property likes to touch – not "will housing prices keep rising?" but "how expensive do we actually want housing to be?"

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter here

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Australia has always promised that if you worked hard, took responsibility, invested wisely and built something for your family, you'd be encouraged - or at least not punished for doing so.

But some of the recent Budget changes raise a very uncomfortable question: are we slowly dismantling that promise?

Because buried behind the headlines, the political spin and the carefully chosen language are proposals that could reshape the way Australians build wealth, invest in property, use trusts, manage tax, fund retirement and pass something meaningful on to the next generation.

And as always, the danger is that many people won't notice what's really happening until the rules have already changed.

Now, I don't want you to panic, but today, Australia's leading property tax strategist Ken Raiss and I are going to discuss the implications of the recent Federal Budget.

We delve into how these changes could reshape wealth-building strategies in Australia.

Together, we explore the implications of tax reforms on property demand and affordability.

We discuss the importance of strategic asset selection and the resilience of property as a long-term investment.

Ken and I analyse the potential effects of inflation and interest rates on the property market.

We also highlight the significance of maintaining a strategic mindset in wealth creation.

Join us as we provide insights to help you navigate the evolving landscape of property investment in Australia.

Takeaways

• The budget raises questions about Australia's wealth-building promise. • Tax changes could reshape property investment strategies. • Strategic asset selection remains crucial for investors. • Inflation and interest rates impact property markets. • Maintaining a strategic mindset is vital for wealth creation. • Property remains a sound long-term investment. • Government policies influence property demand and supply. • Sound advice is critical in uncertain times. • Tax legislation affects timing and cash flow. • Optimism and strategy are key to success.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

• Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Michael Yardney – Subscribe to my Property Update newsletter here

Ken Raiss, Director of Metropole Wealth Advisory

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth

• Creating intergenerational wealth

• Passive income strategies Australia

• Asset allocation and portfolio growth

• Financial freedom through property

• Strategic investing for professionals and business owners

• Risk management and wealth protection

• Structuring your investments for capital growth

• Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Australia's property markets are still rising, but the cracks are starting to show.

Not the type of cracks that suggest a collapse, but the type that tell us the next stage of the cycle will reward careful, strategic investors and punish those chasing yesterday's hot spots.

According to Domain's latest House Price Report, most capital cities reached new highs in the March quarter, but the pace of growth has slowed sharply since late last year.

At the same time, Domain's Rental Report shows vacancy rates have fallen to a record low nationally, yet many renters simply can't afford to keep paying more.

So we have a fascinating contradiction. There's still not enough housing and there are still plenty of buyers and tenants.

But borrowing capacity and rental affordability are now acting like speed limits on the market.

Today I'm joined by Dr Nicola Powell, Domain's Chief of Research and Economics, to help us understand what's really going on beneath the headlines, what this means for buyers, sellers, tenants and investors, and where the opportunities and risks are likely to be in the next stage of the cycle.

We explore how interest rate changes and government policies are influencing market trends and affordability.

We discuss the regional variations in property performance and the implications for investors.

And we analyse the impact of supply constraints and population growth on housing demand.

Join us as we provide strategies for navigating the evolving property landscape in Australia.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Michael Yardney - Subscribe to my Property Update newsletter here

Dr Nicola Powell - Chief of Research and Economics at Domain: https://www.domain.com.au/news/author/dr-nicola-powell/

Domain's House Price Report:

https://www.domain.com.au/research/house-price-report/march-2026/

Domain's Rental Report: https://www.domain.com.au/research/rental-report/march-2026/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian economic outlook• Demographic trends shaping housing demand• Population growth and migration impacts• Housing affordability debates• Interest rates and inflation• Supply shortages and construction cycles• Government policy and property markets• Future trends in Australian real estate• Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Most investors spend their time waiting for the market to do the heavy lifting.

But the more sophisticated investors don't wait. They create their own capital growth.

And in the current stage of the property cycle, that shift in thinking is becoming essential.

If you've been following the property markets lately, you'll know we're in a very different phase of the cycle.

The easy gains of the past are behind us, finance is tighter, and many investors are sitting on the sidelines, unsure what to do next.

But here's the thing… this is exactly the type of environment where experienced investors lean in, not step back.

Because rather than relying on market-driven growth, they focus on something far more powerful - manufacturing capital growth.

In this episode, I speak with Greg Hankinson about how strategic investors can manufacture capital growth in today's market.

We discuss the importance of creating value through renovations and strategic developments rather than waiting for market-driven growth.

Greg shares insights on avoiding common renovation mistakes and the significance of understanding area-specific demographics.

We explore how small-scale developments can be a powerful tool for wealth creation in uncertain times.

Join us as we provide strategies to navigate the current property cycle and make informed investment decisions.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

https://www.wealthretreat.com.au/

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Greg Hankinson – Director Metropole Constructions

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

There's never been more property data available to investors than there is today.

You can jump online and within minutes see median prices, growth rates, suburb rankings, sales histories, heat maps, demand scores and predictive analytics. It all looks impressive. It all looks scientific.

But here's the uncomfortable question…

What if most investors are using that data the wrong way?

What if relying on sales data alone is actually leading people into average suburbs, average properties, and very average long-term results?

Because while data tells you what happened, it doesn't tell you why it happened. And it certainly doesn't tell you what's going to happen next.

Today I'm joined by leading financial advisor Stuart Wemyss, to unpack why relying purely on property sales data could be a big mistake and what sophisticated investors should be doing instead.

We discuss the limitations of relying solely on historical sales data and emphasize the need for a balanced approach combining art and science.

We explore the core attributes of investment-grade properties, including scarcity, land value, and long-term performance.

Additionally, we highlight the significance of local knowledge and understanding street-by-street differences in property markets.

Join us as we provide insights to help you make informed business and investment decisions in the face of evolving market dynamics.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Stuart Wemyss – Prosolution Private Clients

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

If you own property in Australia right now, or you're thinking about buying, what we're going to share with you today could change how you think about where this market is heading.

You see, there's a bit of a disconnect in today's property market, and if you're only following the headlines, it's easy to miss what's really going on.

While prices are still rising and demand is holding up, underneath that, the dynamics are starting to shift.

Growth is slowing. Confidence is becoming more fragile. And the gap between the strongest and weakest markets is widening in a way we haven't seen for a while.

In fact, the latest data shows national house prices have now risen for 14 consecutive months and are up more than 10% over the year, yet the most recent quarterly growth was modest, reflecting a market that's still moving forward but clearly losing a bit of steam.

However, this is exactly the type of environment where experienced investors tend to do well, because when the market becomes fragmented, opportunities become more targeted rather than broad-based.

So today, Dr Andrew Wilson discusses the state of the current Australian property market, uncovering its fragile resilience amid slowing growth, regional disparities, and influential economic factors.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here.

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Most property investors think finance is just about getting a loan approved.

But in today's environment, that thinking can quietly cost you hundreds of thousands of dollars… or worse, stop you from growing your portfolio altogether.

Because the rules have changed. Lending policies are tighter, serviceability is harder, and one wrong move can lock you out of future opportunities.

So today, Dorian Traill, wealth strategist at Metropole, joins me and we're unpacking how sophisticated investors are navigating finance in this new world.

We explore how understanding lender policies can enhance your borrowing capacity and investment strategies.

We discuss the impact of regulatory changes on lending and how to adapt your finance approach.

And we look at some of the benefits and challenges of using trusts and SMSFs for property investment.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Dorian Trail – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies in Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

What if the real reason you are not yet where you want to be financially has nothing to do with interest rates, your income, or the market... and everything to do with what my guest today calls your "head trash"?

My guest today is Dr Noah St John. He grew up poor in a wealthy town, surrounded by people who seemed to have cracked the code on money and success while he felt stuck on the outside looking in.

Fast forward to today, and he is the bestselling author of 25 books, known worldwide as "The Father of Afformations" and "The Mental Health Coach to the Stars."

In this conversation, we explore the concept of success and the psychological barriers that prevent individuals from achieving their goals.

We discuss the importance of mindset, the impact of 'head trash' on personal and financial growth, and introduce the concept of 'afformations' as a more effective alternative to traditional affirmations.

The discussion also covers the significance of habits, the challenges of breaking through revenue ceilings, and strategies for maintaining a positive mindset during volatile times.

Dr. St. John emphasizes the power of asking the right questions to foster personal growth and success.

Takeaways

· Success is about perception and mindset.

· Head trash can limit your potential.

· Setting clear goals is crucial for success.

· Zero friction solutions can help overcome obstacles.

· Success anorexia refers to starving oneself of success.

· Afformations are more effective than traditional affirmations.

· Habits play a significant role in achieving success.

· Breaking through revenue ceilings requires addressing inner barriers.

· Common money beliefs can hinder financial growth.

· Surrounding yourself with supportive individuals is essential.

Chapters

00:00 – What "Head Trash" Really Is and Why It Blocks Wealth

02:09 – Why Most People Set Goals but Don't Reach Them

06:17 – Zero-Friction Success and Getting Your Foot Off the Brake

11:24 – Success Anorexia: How We Unknowingly Starve Ourselves

14:44 – Affirmations vs Afformations: Rewiring Your Inner Dialogue

19:45 – Willpower Myths and How Habits Actually Form

24:10 – Breaking Through Revenue Ceilings and Hidden Money Blocks

29:25 – Investor Mindset: Protecting Yourself from Noise and Fear

Links and Resources:

Answer this week's trivia question here - http://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Success. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Find out more about Dr. Noah St John and get your Zero Friction audit here https://noahstjohn.com/

Learn more about Dr. Noah St. John's Afformations here https://www.afformations.com/taa-join-now-97

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Most property investors think they're saving money by choosing a cheaper property manager.

But what if that decision is quietly costing them tens of thousands of dollars?

Today, we're unpacking why the right property manager isn't a cost at all, but one of the most valuable assets in your wealth-building team.

This conversation is part of my Wealth Retreat Conversations series, where I'm giving you a taste of the quality of thinking, the calibre of speakers, and the depth of conversations you'll experience at Wealth Retreat.

And joining me is someone who lives and breathes this every day, Leanne Jopson, National Director of Property Management at Metropole.

We discuss the differences between property management and asset management, focusing on how asset managers actively increase property value and maintain standards.

We delve into the impact of legislative changes and compliance on property investing, offering strategies to navigate market fluctuations and timing.

Real examples of costly management mistakes are shared, along with tips for tenant selection, lease structuring, and maintaining high occupancy.

Join us as we emphasize the importance of long-term planning over reactive decision-making and how attending Wealth Retreat can transform your investing mindset.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Leanne Jopson - Metropole National Executive, Property Management https://metropole.com.au/expert/expert-leanne-jopson/

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth • Creating intergenerational wealth • Passive income strategies Australi • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Everyone wants to pay less tax.

But the real question isn't just how to save tax this year. It's about how to structure your wealth so you can grow it, protect it, and eventually pass it on without creating unnecessary tax burdens, risks, or family chaos.

In today's Wealth Retreat Conversations episode, the series we're running to help you get a taste of the type of thinking and insights you'll experience at Wealth Retreat, Ken Raiss Australia's leading property tax strategy answers the common tax questions he gets asked all the time - from trusts and super to estate planning, asset protection, and how to legally reduce your tax bill.

We explore how ownership structures impact tax efficiency and asset protection.

Ken shares insights on aligning tax planning with long-term wealth goals.

We discuss common mistakes in property structuring and how to avoid them.

Join us for strategies to safeguard your wealth and make informed decisions.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

• Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

http://michaelyardney.com/

https://propertyupdate.com.au/property-update-subscription/?menu

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us.

https://metropole.com.au/

https://metropole.com.au/strategic-property-plan/

Ken Raiss, Director of Metropole Wealth Advisory

https://metropole.com.au/expert/expert-ken-raiss/

https://wealthadvisory.metropole.com.au/

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

https://www.wealthretreat.com.au/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

https://propertyupdate.com.au/podcast-bonus/

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

• Building long-term wealth

• Creating intergenerational wealth

• Passive income strategies Australia

• Asset allocation and portfolio growth

• Financial freedom through property

• Strategic investing for professionals and business owners

• Risk management and wealth protection

• Structuring your investments for capital growth

• Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

Most property investors think success comes down to buying the right property at the right price.

But the truth is… the real difference between successful investors and those who struggle has very little to do with the property itself.

It comes down to strategy.

Because the investors who build long-term wealth don't just buy property - they build a long-term property strategy which includes a financial buffer that allows them to ride out the ups and downs of the market.

In other words, they buy themselves time.

In this episode, Brett Warren and I explore the essential elements of successful property investing, beyond just buying the right property.

We discuss the importance of strategic planning, financial buffers, and long-term thinking to ride market fluctuations and achieve wealth.

Join us as we provide insights to help you make informed business and investment decisions in the face of market volatility.

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

You've probably noticed that some property markets surge ahead while others seem to tread water… even when the broader economic conditions are the same.

It's easy to blame interest rates, government policy, or media sentiment, but those factors only tell part of the story. The real drivers sit underneath all of that, and they're far more predictable if you know where to look.

In today's Wealth Retreat Conversations episode, I want to give you a taste of the type of thinking and insights you'll experience at Wealth Retreat, where leading demographer Simon Kuestenmacher will be joining us as a keynote speaker.

Now, Simon doesn't just look at population growth or headline statistics. He digs much deeper into how different groups of Australians actually live, spend, and make decisions. And that's where things get interesting, because when you understand behaviour, you start to see where future demand is really going to come from.

Today we explore what Simon calls Australia's "demographic tribes" - the groups quietly shaping our housing markets, our economy, and ultimately your investment outcomes.

We discuss how household structure, age, and wealth influence demand, focusing on lifestyle groups like YOLO renters and Yummies.

Simon explains the significance of demographic behavior in forecasting market trends and the importance of people-driven insights over pure economic data.

We discuss the influence of generational changes on demand and investment strategies, highlighting the value of demographic research in strategic planning.

Join us as we provide insights to help you make informed business and investment decisions by understanding Australia's diverse tribes.

Takeaways

Links and Resources:

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

https://www.wealthretreat.com.au/

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Imagine you were able to transform your relationship with time so that you had more balance, were better organized and focused so that you were able to work less and accomplish more.

How would that impact your life?

Well, that's what we are going to talk about today as I speak with Louise Bedford about mastering time for wealth creation.

We explore how effective time management is crucial for achieving success in all life areas.

We discuss the difference between time-for-money and leverage-based economies.

We highlight the importance of prioritizing oneself and maintaining time integrity.

We also delve into strategies for eliminating time leaks and distractions.

Join us as we provide insights to help you make informed decisions about time management.

Takeaways

Links and Resources:

Michael Yardney – Subscribe to my Property Update newsletter here.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Louise Bedford – The Trading Game https://www.tradinggame.com.au/

Join Michael Yardney, Louise Bedford plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook• Demographic trends shaping housing demand• Population growth and migration impacts• Housing affordability debates• Interest rates and inflation• Supply shortages and construction cycles• Government policy and property markets• Future trends in Australian real estate• Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Australia doesn't just have a housing problem. We have a city problem. And it's about to get a lot worse, according to my guest today, Ross Elliott.

Everyone talks about housing shortages. Almost no one talks about hospitals, schools and services.

So today, we're asking the question policymakers avoid – how much infrastructure do our cities actually need for the people we're adding?

It's all about capacity - not just the number of people our cities can hold, but whether Australia's infrastructure and planning systems can keep up. Ross has been writing about this reality for years, and his voice cuts through the assumptions most of us make about growth.

We explore the concentration of growth in major cities, the implications of immigration, and the necessity for strategic decentralisation.

Elliott emphasises the importance of investing in regional cities and learning from successful global examples to create a more balanced urban development strategy.

The discussion also highlights the critical need for government cooperation in planning and infrastructure development to accommodate future population increases effectively.

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How to grow a multi-million dollar property portfolio in your spare time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs Click here and have a chat with us

Ross Elliott - strategist and advisor with over 35 years in urban development, infrastructure, and public policy. Subscribe to Ross Elliott's blog here. https://thefingeronthepulse.blogspot.com/

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

Australian economic outlook Demographic trends shaping housing demand Population growth and migration impacts Housing affordability debates Interest rates and inflation Supply shortages and construction cycles Government policy and property markets Future trends in Australian real estate Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.au https://metropole.com.au

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

Australian economic outlook Demographic trends shaping housing demand Population growth and migration impacts Housing affordability debates Interest rates and inflation Supply shortages and construction cycles Government policy and property markets Future trends in Australian real estate Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at: https://propertyupdate.com.au https://metropole.com.au

If you're feeling uncertain about what's really going on in the property market right now… you're not alone.

Because the biggest challenge facing our housing markets today isn't interest rates, inflation, or even affordability…

It's uncertainty.

We've got multiple forces all moving at once - some pushing prices higher, others working against them - and for many investors, that's making it harder than ever to form a clear view of what comes next.

And yet… despite all that… property prices are still rising.

So what's really going on?

In this episode, Dr. Andrew Wilson and I delve into the resilience of Australia's property market amidst economic uncertainty.

We discuss the surprising multi-month streak of property price growth and its underlying factors.

We explore regional variations, focusing on Sydney, Melbourne, and the growth in smaller capitals.

Additionally, we analyze the impact of high construction costs and material prices on future supply.

Join us as we provide insights to help you make informed investment decisions in these challenging times.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

You've probably noticed your social media feed is full of new "property experts."

Twenty-somethings showing off cars, watches, and "instant success" stories — all promising to help you get rich in record time.

But property doesn't work like that. What they don't tell you is that property isn't a sprint; it's a marathon.

Today I'm joined by Ken Raiss, and together we unpack why real wealth is built slowly, strategically, and patiently.

I know that sounds boring, but stick with us as we discuss the rise of inexperienced, hype-driven buyer's agents who are flooding social media with promises of instant returns — and the dangers of following the crowd into overheated markets.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

Psychology of money and wealth Investor behaviour and market cycles Rich habits vs poor habits High performance mindset Risk management thinking Decision making under pressure Long-term investing discipline Overcoming fear in property markets Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at: https://propertyupdate.com.au https://metropole.com.au

What if the biggest reason you'll never build a $50 million property portfolio has nothing to do with money?

What if it's not your income, your borrowing capacity, your suburb selection or even the market cycle that determines how far you go?

And what if the investors who end up with $100 million or $200 million portfolios don't actually do anything dramatically different from everyone else… they just do a few things differently for much longer?

Most property investors never ask those questions.

Instead, they assume that large-scale wealth is reserved for the lucky, the aggressive, or the already wealthy.

But after more than 50 years in property investment, and after working closely with investors who have built portfolios most people can barely imagine, I can tell you something with certainty…

Extraordinary wealth is rarely built through extraordinary moments. It's built through ordinary decisions, made consistently, over decades.

And that's what Brett Warren and I discuss today.

So that at the end of today's show, you will have a better idea about how you can substantially up your game in property investment

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Brett Warren - National Director of Property at Metropole.

Michael Yardney – Subscribe to my Property Update newsletter here.

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Some properties will deliver exceptional growth over the next few years, while others will barely move in value.

And the frustrating part is they could be only a few kilometres apart.

If you're relying on city-wide averages, headlines, or last year's "hotspot," you could be positioning yourself in the slow lane without even realising it.

Today, with Stuart Wemyss I unpack exactly where the momentum is likely to build in 2026… where it probably won't… and most importantly, how to tell the difference before you commit hundreds of thousands - or millions - of dollars.

Takeaways

· Blue-chip markets likely to underperform in 2026.

· Regional locations will show strong activity.

· Interest-rate shocks impact market dynamics.

· Affordability constraints limit borrowing capacity.

· High-end and lower-cost asset gap narrows.

· Focus on intrinsic value and scarcity.

· High-density apartments face headwinds.

· Buyers prefer closer-in, quality assets.

· Potential changes to capital gains tax.

· Strategic, patient investing builds property wealth.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Stuart Wemyss – Prosolution Private Clients

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Most property investors don't have a strategy. They think they do.

But buying a property is not a strategy. Renovating is not a strategy.

Chasing a hotspot is definitely not a strategy.

Today, Brett Warren, National Director of Property at Metropole and I explain the difference between buying a property and having a strategic property plan.

We'll also discuss when value-add strategies like renovations and developments actually make sense, and when they're a dangerous distraction.

Takeaways

· Strategic planning for wealth beats just buying an investment property.

· Set clear, achievable long-term goals and reverse-engineer your property journey.

· Use buffers and structured financing.

· Avoid risky property flipping strategies.

· Implement value-add strategies wisely.

· A sequenced approach is vital for growing your asset base.

· Ongoing planning and mentorship are crucial.

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Is 2026 the year Australia's housing market splits in two?

We've had another interest rate rise. There's talk of tax reform. Global political instability is back on the radar. And yet, in some cities, entry-level property prices are still surging at double-digit rates.

So what's really going on?

Are we heading for a slowdown… or are supply shortages and strong demand about to push prices higher again?

Today I'm joined by Dr Nicola Powell, Chief of Research & Economics for Domain, and while we'll unpack their latest First Home Buyer Report, this conversation goes much further than that.

Because what's happening to first home buyers is a leading indicator.

It tells us where demand is building, where pressure is intensifying, which cities are reshuffling their affordability rankings, and where mortgage stress is becoming structural rather than cyclical.

We're also going to talk about what's ahead for our property markets this year in light of interest rate and tax changes.

Takeaways

· Domain's First Home Buyer Report examines future housing market trends in Australia.

· The report shows rising entry-level prices in Brisbane and Perth.

· Saving for deposits is harder as prices outpace wages, notably in Sydney and Brisbane.

· Mortgage stress is increasing across capitals, affecting houses and units.

· The rental market is tight, with modest rent growth expected.

· Policy reforms should focus on supply, with faster approvals and smarter zoning.

· Changes to capital gains tax and negative gearing need a balanced approach.

· Modest price growth is expected, driven by population and migration.

· Victoria is a fast-growing area with high housing demand.

· No housing market crash is expected; markets remain fragmented.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to create a Strategic Property Plan for your needs. Click here and have a chat with us.

Michael Yardney Subscribe to my Property Update newsletter here

Dr Nicola Powell - Chief of Research & Economics for Domain: https://www.domain.com.au/news/author/dr-nicola-powell/

Domain's First Home Buyers Report: https://propertyupdate.com.au/australias-first-home-buyers-are-facing-a-new-reality-and-its-not-just-about-interest-rates-anymore/

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au. It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Have you ever noticed that some investors seem to move forward every year, while others stay stuck, despite reading the same books and listening to the same podcasts?

Have you ever wondered why two people can earn similar incomes, buy similar properties, and yet one builds real wealth while the other just stays busy?

And what if the difference isn't the market… but something else?

At the end of today's show you'll understand exactly what it is because today's episode is a special one.

This year marks the 20th anniversary of Wealth Retreat, so Brett Warren and I lift the lid on what really happens when serious investors step away from the noise, surround themselves with higher-level thinkers, and recalibrate their strategy.

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

What if the next big housing reform doesn't fix housing affordability at all?

What if it doesn't lower property prices, doesn't deliver much extra money to the government for years, but it scares investors out of the market and makes renting even harder?

Because that's exactly what could happen if Australia changes the Capital Gains Tax discount - and it's back on the political agenda again.

Today one of Australia's leading taxation minds, Ken Raiss and I unpack what's really going on.

Supporters of the change are saying it's about fairness. They say it will stop "property speculation," improve housing affordability, and raise billions of dollars for the federal budget.

In fact, some politicians and unions are claiming it could be one of the biggest levers to finally make housing more affordable for everyday Australians.

And at first glance, it sounds plausible. After all, who doesn't want a more affordable housing market?

But here's the problem…Housing markets don't respond well to slogans. They respond to supply and demand. They respond to incentives. And they respond to confidence.

And when you change tax policy, you don't just change government revenue. You change behaviour. You change investment decisions. You change the flow of money.

And sometimes, you create consequences nobody intended.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Every time rents rise, affordability worsens, or housing shortages make headlines, one group is dragged into the spotlight. Property investors.

They're called greedy. Accused of hoarding homes. Blamed for locking younger Australians out of the market.

But is that actually true… or just a convenient narrative?

After more than five decades in property investment, I've noticed a pattern. When housing gets hard, governments deflect. Media simplify. And investors become an easy target.

But here's the real question we need to ask: If property investors disappeared tomorrow, what would actually happen to Australia's housing system?

But are investors really the problem… or are they just the easiest target?

Today, I'm joined by Brett Warren to separate emotion from evidence, myths from facts, and ideology from economic reality.

Brett and I discuss the complexities of the property market, focusing on the role of property investors, the impact of government policies, and the ongoing housing supply issues.

We emphasise that property investors are not the villains often portrayed in the media, but rather essential players in providing rental accommodation.

The discussion highlights the need for long-term solutions to housing affordability and the importance of understanding the true dynamics of the property market.

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

https://www.wealthretreat.com.au/

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

Australian property market updates Property investment strategies in Australia Melbourne property market trends Sydney property market forecasts Brisbane property investment opportunities Capital growth property strategies Property cycles in Australia Negative gearing and tax strategy Interest rates and their impact on property Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at: https://propertyupdate.com.au https://metropole.com.au

Interest rates are rising again. Inflation isn't backing off. Sydney and Melbourne's property markets are a little wobbly.

And yet…

National house prices are up more than 10% over the past year, and some capitals are still delivering boom-time results.

So what's really going on in Australia's property markets right now?

That's what I discussed today with Australia's leading housing economist, Dr Andrew Wilson, Chief Economist at My Housing Market, to unpack his latest housing market report and there are some fascinating contradictions.

You'll hear how we do not have one Australian property market but a multi-speed market - and if you don't understand which markets are accelerating and which are stalling, you could make a very expensive mistake.

If you're a property investor, homeowner, or planning your next move, you'll want to understand the forces driving this market right now - because the headlines aren't telling the full story.

Takeaways

• National house prices rose over 10% this year.

• February's rate hike failed to stall market momentum.

• Australia consists of multiple markets performing very differently.

• Perth, Brisbane and Adelaide continue to deliver boom-time results.

• Holiday periods create temporary seasonal dips in activity.

• Brisbane units saw an astonishing 56% growth since 2024.

• Demand significantly outweighs supply despite higher interest rates.

• Low unemployment and job growth support housing demand.

• Tight rental markets incentivise tenants to become buyers.

• Long-term growth is driven by rising population wealth.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

The property rules have changed… again.

What worked five years ago won't work the same way in 2026. The winners won't be the loudest, the fastest, or the most aggressive – they'll be the most strategic.

So today, Brett Warren and I unpack exactly what's changed, what still works, and how smart investors can position themselves to win in the next phase of the property cycle.

We discuss the evolving landscape of property investment, emphasising the need for strategic planning and adaptability in response to changing market conditions.

We explore the impact of interest rates, economic factors, and the importance of quality assets in achieving long-term growth.

The conversation highlights the significance of mindset and emotional decision-making in investing, as well as the value of professional advice in navigating the complexities of the property market.

Takeaways

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au.

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us.

Brett Warren - National Director of Property at Metropole.

Michael Yardney – Subscribe to my Property Update newsletter here.

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

Australian property market updates Property investment strategies in Australia Melbourne property market trends Sydney property market forecasts Brisbane property investment opportunities Capital growth property strategies Property cycles in Australia Negative gearing and tax strategy Interest rates and their impact on property Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.au https://metropole.com.au

Inflation has eased… except where it hasn't. Interest rates were meant to be heading down… until they weren't. And suddenly everyone's blaming government spending.

But is Canberra really the culprit - or is that just a convenient headline?

Today, Ken Raiss and I unpack what's actually driving Australia's sticky inflation, why the RBA is worried about "capacity constraints", and what policy makers could do that would genuinely take pressure off prices - without smashing households and without sabotaging the property market.

Now you've probably read about inflation and heard about it a hundred times by now, but having been involved in financial markets and property for over 50 years each, Ken and I are going to bring you a different perspective today and some new ways of thinking about things.

So please bear with us because I hope we're going to bring you some clarity and direction.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.

We go beyond property headlines to discuss:

Building long-term wealth Creating intergenerational wealth Passive income strategies Australia Asset allocation and portfolio growth Financial freedom through property Strategic investing for professionals and business owners Risk management and wealth protection Structuring your investments for capital growth Money management and financial habits

If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.

Discover more insights at:https://propertyupdate.com.au https://metropole.com.au

What if I told you that one of the most significant demographic shifts shaping our cities, our housing markets, and even our social lives over the next few decades… isn't migration, isn't birth rates, and isn't ageing?

It's something far more personal. In today's show, Simon Kuestenmacher and I are talking about a silent revolution - the rise of the single-person household.

More Australians than ever are living alone, and it's not just retirees or Gen Zs in tiny apartments.

From the newly single at 54 to the solo 29-year-old navigating life on their terms, this trend is redrawing the blueprint of modern life and reshaping the housing market in a way most people aren't even noticing.

Our conversation highlights how modern living is evolving, with more individuals choosing to live alone and the need for appropriate housing solutions to accommodate these changes.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney

Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

Australian economic outlook Demographic trends shaping housing demand Population growth and migration impacts Housing affordability debates Interest rates and inflation Supply shortages and construction cycles Government policy and property markets Future trends in Australian real estate Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.au https://metropole.com.au

What if the biggest obstacle between you and the life you want isn't the market, the economy or your upbringing... but your programming?

What if your money habits, your emotional reactions and even your results as a property investor are simply the byproducts of a mindset you inherited rather than chose?

And what if you could rewrite that programming?

In today's show Tom Corley and I discuss how early life experiences shape our habits and beliefs, emphasizing the importance of self-awareness, gratitude, continuous learning, and building relationships.

We also share some practical steps for changing habits and achieving personal transformation.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of Rich Habits, Poor habits

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

Psychology of money and wealth Investor behaviour and market cycles Rich habits vs poor habits High performance mindset Risk management thinking Decision making under pressure Long-term investing discipline Overcoming fear in property markets Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.au https://metropole.com.au

Today Ken Raiss and I reflect on the evolution of property investment over the past two decades, discussing significant changes in demographics, market conditions, and more importantly, what hasn't changed.

Because if you understand that, you'll be far better positioned to thrive in the next property cycle.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today, Simon Kuestenmacher and I examine the evolving landscape of home ownership in Australia.

For generations, owning a home has been at the heart of the Australian dream. In 1966, nearly three-quarters of Australian households owned their home, either outright or with a mortgage.

Fast-forward to the 2021 Census, and that figure had slipped to just 63 per cent.

For younger Australians, the drop has been even steeper. And while renting is far more common today, the cost of entry into home ownership has never been higher.

So what's driving this change? Is it just the market doing what markets do, or have we set ourselves on a path where home ownership becomes an exclusive club?

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How to grow a multi-million dollar property portfolio in your space on.

· Every entry receives a copy of a fully updated Michael Yardney Property Report.

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

At its first meeting for 2026, the Reserve Bank lifted the cash rate to 3.85%, as most economists expected.

That move officially ends the shortest and most modest rate-cutting cycle since the RBA began inflation targeting back in 1993.

So what does this really mean for property investors, home buyers, and Australia's housing markets?

That's what I'm going to unpack, along with Dr Andrew Wilson's latest housing market data for January.

Now, let me give you a quick spoiler alert.

Yes, this rate rise will take some heat out of buyer demand in the short term. But in my view, it's also creating a genuine window of opportunity for those who are finance-ready.

Despite what the headlines will tell you, I believe housing markets are going to keep rising through 2026, just as they did last year when interest rates were at similar levels. And that's because the real drivers of property prices aren't interest rates alone – they're the underlying structural forces, which I'll explain shortly.

Takeaways

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here.

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today's show is going to hit close to home for a lot of Australians.

Because despite living in one of the richest countries on the planet, the vast majority of Aussies are quietly battling something uncomfortable – the inability to actually build their wealth.

We're working harder than ever. We're earning more than ever. But most households still feel like they're running on a treadmill.

Why is that? Well, it's rarely about income. It's rarely about intelligence. It's rarely about effort.

Today I'm joined by Australia's leading property tax strategist, Ken Raiss, to help you understand why Australians struggle to accumulate wealth and what the wealthy do differently.

Takeaways

· Most Australians feel financially insecure despite living in a wealthy country.

· Mindset plays a crucial role in determining financial success.

· Wealth creation requires strategic planning and a clear roadmap.

· Investors often limit their potential due to outdated beliefs.

· The importance of having a strong 'why' behind financial goals.

· Asset ownership and structuring can significantly impact wealth accumulation.

· A holistic approach to wealth creation is essential for long-term success.

· Inheritance and estate planning require careful consideration and strategy.

· Successful investors think long-term, often planning decades ahead.

· Collaboration with a wealth strategist can enhance financial outcomes.

Chapters

00:00 Why Australians struggle to build wealth despite high incomes. 04:50 Planning, education and the missing roadmap to wealth. 09:00 Wealth stages: growth, consolidation and preservation differ. 12:40 Using peak earning years to accelerate long-term outcomes. 16:10 Ownership structures, trusts and protecting accumulated wealth. 20:00 Why successful investors think long-term and work with strategists.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you ever looked at today's property prices and wondered, How is this even possible?

How can values keep climbing when interest rates are still high, affordability is stretched to breaking point, and so many Australians feel locked out of the market?

You're not alone. It feels counterintuitive. It feels unfair.

And for many, it feels completely unsustainable. But here's the uncomfortable truth about our housing market - and it's the part most people don't want to hear.

Property prices don't rise because the average Australian can afford them. They rise because the marginal buyer – the person actually able to transact today – can.

And right now, that marginal buyer looks very different from the one we had even a decade ago.

Takeaways

· Property prices are rising due to the marginal buyer's ability to transact.

· Wealthy buyers are dominating the market, driving prices up.

· Downsizers are reshaping the market by purchasing debt-free properties.

· Government incentives are pushing more buyers into the market.

· Buyers are adapting by compromising on location and property type.

· Structural under supply is a significant factor in rising prices.

· Affordability issues are sidelining some buyers but not all.

· The Bank of Mum and Dad is a major influence in property transactions.

· Investors need to focus on quality assets in gentrifying suburbs.

· Long-term market predictions indicate continued price growth despite challenges.

Chapters

00:00 Why prices keep rising despite poor affordability.

04:30 Who the real marginal buyers are today.

08:20 Downsizers, cash buyers and the Bank of Mum & Dad reshape demand.

12:30 First-home-buyer incentives push prices, not affordability.

16:00 Behaviour shifts: units, townhouses, rent-vesting.

19:30 Structural undersupply ensures ongoing price growth in 2026.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Join Michael Yardney and a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

If you could see one number that reliably predicts where property prices are heading next, would you want to know what it is?

Well, today, you're about to find out — and it's not what you think.

You see…most investors think population growth drives property prices… but today I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who's done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply.

Our conversation highlights the need for long-term strategies and a focus on fundamentals to achieve sustainable growth in property investments.

Takeaways

· Property price growth is influenced by various factors, not just population growth.

· Lending volumes can be a better predictor of property price movements than population growth.

· Investors should be cautious of markets driven primarily by speculation.

· Consumer sentiment plays a crucial role in lending and property prices.

· Economic factors like interest rates significantly impact lending volumes.

· A high proportion of investors in a market can signal potential risks.

· Understanding market cycles is essential for long-term property investment success.

· Focus on long-term fundamentals rather than short-term trends.

· Successful property investment requires a coordinated strategy across financial services.

Chapters

01:46 – Why the Last Five Years of Property Data Can Mislead Investors

04:40 – Lending Volumes vs Population Growth: What Really Drives Prices

08:20 – Cash Buyers, Investor Ratios and Market Stability

11:38 – Sentiment, Employment and the Factors Behind Borrowing Power

15:23 – State-by-State Differences and Why Markets Move Out of Sync

17:55 – How Lending Trends Predict Cycles and Help Time Your Entry

Links and Resources:

Michael Yardney – Subscribe to my Property Update newsletter here

Stuart Wemyss – Prosolution Private Clients

Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/

Stuart's Book – Rules of the Lending Game & Investopoly

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Everywhere you look, people are talking about the Brisbane property market.

The Olympics are coming, property prices have surged, and there's this growing belief that Brisbane is the place to be for investors right now.

In fact, it's not just Brisbane, but a whole swag of new and let me call them inexperienced buyers agents are suggesting buying in regional areas of northern Queensland.

But history tells us something interesting - when everyone's talking about a market, it's often already too late.

So, is Brisbane still a smart investment play, or has the boat already sailed?

To help unpack that, I'm joined by my business partner and National Director at Metropole, Brett Warren, who's based in Brisbane and has been studying this market for decades.

Despite being a proud Brisbanite, Brett's going to share why he believes now might not be the best time to be chasing growth in Brisbane, and he's here to tell us why.

In this conversation, we discuss the current state of the Brisbane property market, the implications of the upcoming Olympics, and the importance of strategic investment.

The discussion also highlights Melbourne's potential as a new investment opportunity, contrasting it with Brisbane's current market dynamics.

The conversation concludes with practical takeaways for investors looking to navigate the property landscape effectively.

Takeaways

· Brisbane's property market has seen significant growth but may be reaching its peak.

· Understanding property cycles is crucial for making informed investment decisions.

· The upcoming Olympics may not significantly impact the property market as expected.

· Investors should look beyond Brisbane for opportunities, particularly in Melbourne.

· Melbourne is currently undervalued compared to other major cities in Australia.

· Quality locations with proven demand are essential for long-term investment success.

· Investing strategically and based on data is more effective than following trends.

· The local economy and job growth are key drivers of property demand.

· Investors should be cautious of inexperienced agents pushing regional properties without solid economic foundations.

Chapters

01:47 – Why the Brisbane Boom May Be Peaking

03:59 – Olympics Hype vs Real Property Cycles

06:43 – The Risks of Chasing Regional Queensland

09:03 – Affordability Ceilings and Slowing Momentum

13:11 – Why Crowd-Chasing Fails and What to Do Instead

15:48 – Melbourne's Rebound and Sydney Apartment Opportunities

Links and Resources:

Answer this week's trivia question here - http://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully. Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

What if the biggest lessons that will shape property investing in 2026 have already happened, and we just need to stop long enough to notice them?

Every year leaves clues. Some are obvious in hindsight, others quietly shape the next cycle without anyone paying attention.

And 2025 was packed with more of these clues than most years.

So today, Brett Warren and I unpack the 25 lessons from 2025 that smart property investors should carry into 2026 – the insights that help you cut through the noise, stay focused, and position yourself to thrive regardless of what the economy throws at us.

Takeaways

· Every fence in your life has a purpose; understand it before removing it.

· Media headlines can mislead; focus on long-term strategies instead.

· Investing is about finance, not just property; have a solid financial plan.

· Don't follow the crowd; the majority often makes poor investment choices.

· Diversification is key; don't rely on a single income stream.

· AI can assist in property research, but human insight is irreplaceable.

· Demand for property is outstripping supply, creating opportunities.

· The wealth gap is widening; those who invest will benefit more.

· Plan for the unexpected; have buffers in place for market fluctuations.

· 2026 is a year of opportunity for strategic investors.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Whether you're just starting out, deep in your wealth-building years, or nearing retirement, it's only natural to wonder: "How do I stack up compared to others?"

In today's show, Simon Kuestenmacher and I look into the fascinating – and sometimes uncomfortable world of generational wealth.

We discuss the current financial landscape, highlighting the wealth distribution among baby boomers, Gen X, millennials, and Gen Z.

Our conversation delves into the challenges faced by each generation, the impact of intergenerational wealth transfer, and the importance of strategic financial planning.

So if you're interested in whether you're on the right track financially – whether you're ahead of the average, or still catching up – stay tuned. This conversation might be the benchmark you've been looking for.

Takeaways

· Money only solves money problems, not all life problems.

· Wealth is built over decades, not overnight.

· Averages can be misleading; individual circumstances vary widely.

· Property remains a key asset for wealth accumulation in Australia.

· Generational wealth transfer is significant, especially from baby boomers to millennials.

· Millennials face unique challenges in the current economic landscape.

· Gen Z is just starting their financial journey with high debt levels.

· Financial strategies should be deliberate and well-planned.

· Relationships and health are crucial components of true wealth.

· Understanding demographic trends can inform better financial decisions.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio - in your spare time.

· Every entry receives a copy of a fully updated Michael Yardney Property Report.

Join Simon Kuestenmacher and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

At the end of 2025, Australian property investors were hearing two very different stories.

On the one hand, we've seen strong price growth across most capital cities; rents were still painfully high for tenants, and auction clearance rates were holding up surprisingly well.

On the other hand, we were being warned about rising unemployment, sticky inflation, higher building costs, and plenty of noise about what could go wrong in 2026.

So what's really happening beneath the headlines? And more importantly, what does it mean for investors, home buyers and property markets next year?

Today, I'm joined by Dr Andrew Wilson to unpack his annual review of our housing markets for 2025 and his forecasts for 2026.

Andrew doesn't deal in hype. He deals in data, long-term trends, and the realities of how our housing markets actually work.

If you want clarity instead of clickbait, and perspective instead of panic, you'll want to stay with us.

Takeaways

· 2025 saw strong property price growth despite economic challenges.

· Interest rates and economic factors significantly influence housing markets.

· Building approvals for units increased, but house approvals faced challenges.

· Rental market showing signs of growth with low vacancies.

· Auction clearance rates are a positive indicator for future prices.

· House prices in major cities saw significant increases in 2025.

· Economic growth and job market stability support housing demand.

· Rising building costs may constrain new housing supply.

· 2026 is expected to continue the trend of property price growth.

· Affordability remains a concern, but lending practices ensure market stability.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today Ken Raiss and I zoom out from the noise, unpack what's really going on beneath the surface, and help you make sense of the shifting forces shaping our economy, our property markets, and your long-term wealth.

The RBA wrapped up the year with a steady hand, but the tone behind that decision has raised more than a few eyebrows. Sure inflation is easing… except where it's not. Growth is soft… except where it matters. And the Board is hinting that some of these price pressures may be more persistent than we hoped.

So the narrative of "rate cuts in 2026" suddenly looks a lot less convincing than some commentators would have us believe.

At the same time, the property markets are setting up for another fascinating year. Prices continue to rise despite all the affordability hand-wringing, and that's because the market is being driven not by those who can't afford to buy, but by those who can.

And that creates very different conditions for investors, upgraders, downsizers, and the bank of Mum and Dad.

Plus, there's a fresh wave of questions about mortgage strategy. Should you fix now? Should you stay variable? Is waiting a mistake? With mixed signals from lenders - some even lifting fixed rates - this decision is far from straightforward.

Takeaways

· The Reserve Bank is navigating a complex economic landscape.

· Interest rates are expected to remain high for the foreseeable future.

· Inflation continues to be a significant concern for the economy.

· The property market is influenced by those with financial capacity.

· Intergenerational wealth transfer is becoming increasingly important.

· Mortgage strategies should be tailored to individual circumstances.

· The bank of mum and dad plays a crucial role in property purchases.

· Understanding market dynamics is essential for investors.

· Financial planning should align with long-term goals.

· A holistic approach to wealth management is necessary.

Chapters

00:00 Why inflation risks keep rate cuts further away than expected. 04:00 The RBA's inflation dilemma as growth stays soft. 08:10 Per-capita recession pressures and who rates really hurt. 10:40 Why property prices rise despite affordability stress. 13:40 Equity, downsizers and the Bank of Mum & Dad drive demand. 16:40 Fix or variable: certainty, affordability and smart loan strategy.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

https://www.wealthretreat.com.au/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Over the past year we've been told affordability would cap prices, that demand would fade, that higher costs of living would finally slow housing down. And yet, here we are – national home prices finishing the year almost 10 per cent higher, with some capital cities recording extraordinary double-digit growth.

So what really happened?

In today's episode, we're stepping away from opinions and into the evidence as Dr Andrew Wilson unpacks his end-of-December House Price Report, and it reveals not just where prices moved in 2025, but why they moved, and what that means as we head into 2026.

We'll talk about the cities that surged, the markets that quietly turned the corner, why units are suddenly back in favour, and why the next phase of this property cycle is likely to look very different from the last one.

If you want clarity instead of noise, and data instead of doom-and-gloom, this is an episode you'll want to stay with.

Takeaways

· House prices have surged nearly 10% over the past year.

· Patience is crucial in property investment; rushing leads to poor decisions.

· 2025 saw the strongest growth in property prices in three years.

· Interest rates have significantly influenced buyer and seller confidence.

· The market is expected to stabilize, with steady growth in 2026.

· Long-term investment strategies are essential for success in real estate.

· Understanding economic cycles is key to making informed investment decisions.

· The current property growth is based on fundamentals, not speculation.

· Chronic under-supply and population growth are driving market demand.

· Investors should not make decisions based on short-term news.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report

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Michael Yardney – Subscribe to my Property Update newsletter here

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

The world's changing faster than ever, isn't it?

Technology, AI, shifting markets, changing values – sometimes it feels like we can't keep up.

But in a world that never stops changing… there are still some things that never change.

And when it comes to building wealth through property, understanding what doesn't change might be even more important than trying to predict what will.

In today's episode, I explore what really stands the test of time — the principles, habits, and fundamentals that never go out of fashion, even when everything else does.

Hopefully, by the end of today's show, you'll come out with some ideas about how to get some more certainty in these uncertain times.

Takeaways

· Strategic property investors think in 10-year timeframes.

· Optimism leads to better outcomes in life and business.

· Understanding market cycles is crucial for investors.

· Timeless principles of property investment remain unchanged.

· Human behavior drives market trends, influenced by emotions.

· Quality assets in desirable locations outperform others.

· Scarcity and limited supply are key fundamentals.

· Patience and long-term planning are essential for wealth building.

· Strategies over shortcuts are vital for successful investing.

· Having experienced advisors can guide better investment decisions.

Chapters

00:00 Why timeless principles matter more than predictions.

01:42 Long-term thinking beats short-term noise in investing.

04:20 Optimism and mindset shape financial outcomes.

07:10 Major disruptions appear each decade—yet life moves on.

09:40 Bad news is rarely as bad as headlines suggest.

11:20 Market cycles pass, but long-term growth persists.

13:10 Human behaviour drives markets more than data.

14:40 Property fundamentals—location, scarcity, quality—never change.

16:00 Strategy, patience and discipline outperform shortcuts.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How to grow a multi-million dollar property in your spare time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us.

Join us at Australia's Premier Wealth Retreat for Elite Business Investors and Business People on the Gold Coast on May 30th. Find out all about Wealth Retreat here. https://wealthretreat.com.au/

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Most property investors dream of financial freedom… but how do you actually live off your portfolio when the time comes?

In today's show, Brett Warren, national Director of Property at Metropole and I reveal the 'end game' of property investment – the steps to turn bricks and mortar into a lifestyle, how to transition from growth to cash flow, and why living off equity could be the smartest strategy of all.

Our conversation highlights that property investment is not just about acquiring properties but creating a portfolio that provides financial freedom and choices in retirement.

Takeaways

· Property investment requires a clear end game.

· The strategy for property investment changes over time.

· Education is a continuous journey in property investment.

· Quality properties are more important than quantity.

· Transitioning to cash flow requires careful planning.

· Living off equity is challenging but possible with the right strategy.

· Diversification is key to a resilient portfolio.

· Protect your income-earning capacity with insurance.

· Planning for the future starts today.

Chapters

01:13 – Why You Need to Plan Your Property End Game

03:33 – The Four Stages of a Property Investor's Journey

06:17 – Transitioning from Growth to Cash Flow

09:10 – Living Off Equity and the Role of Diversification

13:21 – Protecting Yourself, Buffers, and Asset Structures

16:44 – Building Wealth That Gives You Choices

Links and Resources:

Answer this week's trivia question here - http://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

https://propertyupdate.com.au/podcast-bonus/

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here.

Brett Warren - National Director of Property at Metropole

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

If you've been watching property prices over the past few years, you've probably noticed some strange trends – massive price rises, unpredictable shifts between cities and regions, and what feels like an endless debate about affordability.

But what if I told you that the last five years of price data might be leading investors astray?

Today, I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who has written a confronting article explaining why the last five years of data are the least reliable in decades.

Together, we'll unpack what's distorted the numbers – from COVID lockdowns and construction cost blowouts to volatile borrowing power and migration swings – and how smart investors can cut through the noise to focus on long-term fundamentals.

Our conversation highlights the significance of local knowledge in making informed investment decisions and the need for a strategic approach to property investment, rather than relying solely on short-term data.

Takeaways

· The property market is influenced by various factors, including lending volumes.

· Rising construction costs have a significant impact on property values.

· Borrowing capacity has fluctuated due to regulatory changes and interest rates.

· Migration trends can create pressure on rental markets and property prices.

· Data analysis in property investment requires both science and art.

· Local knowledge is crucial for making informed investment decisions.

· Investors should focus on long-term fundamentals rather than short-term data.

· Understanding the reasons behind market movements is essential for smart investing.

· Population growth alone does not guarantee property price increases.

Chapters

01:32 – Why the Last 5 Years of Property Data Can Mislead Investors

04:45 – How Surging Construction Costs Distorted Market Values

09:34 – Borrowing Capacity Shocks and Their Impact on Growth

17:07 – Migration Waves, Rentals and Why Sydney & Melbourne Lagged

23:55 – Work-From-Home, Regions and the Return to Big City Demand

27:26 – Cheap Money, Lending Volumes and Why Long-Term Data Matters

Links and Resources:

Michael Yardney – Subscribe to my Property Update newsletter here

Stuart Wemyss – Prosolution Private Clients

Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/

Stuart's Book – Rules of the Lending Game & Investopoly

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Most people spend their lives working for money… but what if your money could work for you instead?

In today's show, Brett Warren, national Director of Property at Metropole, and I break down the 10 key lessons from Robert Kiyosaki's book Rich Dad Poor Dad—the book that changed the way millions of people think about wealth.

From the difference between assets and liabilities, to why paying yourself first is the golden rule of financial freedom—we show you how to apply these timeless lessons in today's world.

Our conversation highlights some timeless principles that could guide you towards financial independence and success.

Takeaways

· Financial literacy is essential for wealth retention.

· Understanding the difference between assets and liabilities is crucial.

· Emotional intelligence plays a key role in investment decisions.

· Learning from failure is a pathway to success.

· Mentorship can accelerate your financial journey.

· Defining your 'why' helps in making investment decisions.

· Paying yourself first is a fundamental principle of wealth building.

· Investing requires a disciplined approach and a strategic plan.

· Successful investors surround themselves with knowledgeable teams.

Chapters

02:10 – How 'Rich Dad Poor Dad' Changed the Way We Think About Money

05:36 – Assets, Liabilities, and the Power of Financial Literacy

08:31 – Emotions, Risk and Why Most Investors Fail

11:40 – Learning from Mistakes and Building Real Wealth

15:14 – Mindset, Mentorship and the Business of Investing

18:49 – Finding Your Why and Paying Yourself First

Links and Resources:

Answer this week's trivia question here - http://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here.

Brett Warren - National Director of Property at Metropole

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

At this time every year we get flooded with predictions about what's next for Australia's housing markets. Some of them are useful… a lot of them are noise.

But every so often, a report comes along that genuinely moves the needle and helps us see the bigger picture.

Domain's Forecast Report 2026 is one of those.

It paints a pretty fascinating story: record prices in every capital city, rents still on the rise, and perhaps the most powerful first-home buyer surge we've seen in decades.

And it's not just more of the same – the data suggests our markets are shifting into a whole new gear, driven by policies, sentiment changes, and the slow rebalancing of supply.

And there are some interesting twists as to how Domain sees the housing markets play out over the next 12 months.

So today I chat with Dr Nicola Powell, Domain's Chief of Research and Economics, to help us unpack what's really coming in 2026, why this cycle is so different, and what the winners and losers might be.

Takeaways

· 2026 is expected to be a year of two halves in the property market.

· First home buyers are returning, aided by government schemes.

· Investors are also increasing their market share.

· Interest rates will significantly influence property prices.

· Sydney is forecasted to lead in house price growth.

· Affordability remains a critical challenge for buyers.

· Rental markets are expected to see modest growth.

· Regional differences in property performance are notable.

· The cash rate is a key factor in market dynamics.

· Sustainable growth is preferred over rapid price increases.

Chapters

00:00 Domain's 2026 forecast signals record prices and shifting market forces.

02:01 Key drivers behind the synchronized upswing across all capitals.

03:03 Momentum builds as confidence rises and supply tightens.

05:55 Investors and first-home buyers return, intensifying competition.

07:46 The expanded guarantee scheme reshapes borrowing and demand.

09:38 Rate expectations and affordability caps guide market behaviour.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How to grow a multi-million dollar property portfolio in your spare time.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

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Michael Yardney – Subscribe to my Property Update newsletter here

Dr Nicola Powell, Chief of Research and Economics at Domain.

Domain Property Forecast Report: https://propertyupdate.com.au/?p=192486&

Join us at Australia's Premier Wealth Retreat for Elite Business Investors and Business People on the Gold Coast on May 30th. Find out all about Wealth Retreat here. https://wealthretreat.com.au/

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Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

You know how every summer Australians wander down to the beach, breathe in the salty air, have a few too many wines, and suddenly convince themselves that owning a holiday home is a brilliant investment strategy?

Well… it isn't. In fact, it's one of the biggest financial traps I see Aussies fall into.

And today, I'm joined by Brett Warren, National Director of Property at Metropole, to unpack all the reasons why holiday homes almost always underperform, why the numbers never stack up, and what smarter investors are doing instead.

Our discussion highlights the risks associated with holiday properties, the necessity of prioritising long-term financial goals, and the current market trends that could impact property investment decisions in the coming years.

Takeaways

· Holiday homes often come with hidden costs and risks.

· Successful investors prioritize essential investments over lifestyle choices.

· Understanding market trends is crucial for long-term investment success.

· Emotional decisions can lead to poor investment choices.

· It's important to evaluate the true costs of owning a holiday home.

· Investing in high-demand areas can yield better returns.

· The property market is cyclical, and timing is essential.

· Strategic planning can help achieve financial goals more effectively.

· Investors should focus on data-driven decisions rather than emotions.

· Wealth building requires a long-term vision and strategy.

Chapters

00:10 Why holiday moods lead to bad investment decisions.

05:05 Why holiday towns underperform long-term despite recent spikes.

10:05 Airbnb myths, hidden costs and tax pitfalls investors ignore.

15:05 Volatility, low land value and why holiday homes drag wealth.

20:00 Strategic investing vs lifestyle buying as 2026 market shifts.

24:55 Wealth principles: build assets first, enjoy holidays later.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this month's Big Picture Podcast, we step back from the headlines and look at what's really going on beneath the surface in our economy, our property markets, and the world of wealth creation Ken Raiss and I discuss a range of topics of importance to property investors .

Lenders are changing their rules. Rates are sending mixed signals. Tax policy is tightening. The ATO is sharpening its pencils. And to top it off, the ABS has released disturbing new data showing that people with disability are far more likely to be victims of fraud.

None of these issues live in a vacuum. Together, they paint a very different picture of the environment in which investors and affluent families are operating today.

Takeaways

· The economic landscape for property investors is shifting rapidly.

· Lending restrictions are becoming more selective, impacting borrowing capacity.

· Interest rates are unlikely to decrease in the near future.

· The ATO is tightening regulations around tax deductions for holiday homes.

· Land tax changes in New South Wales could increase financial burdens on property owners.

· Investors should view land tax as a cost of doing business, not a deterrent.

· Vulnerable populations, especially those with disabilities, are at higher risk of financial fraud.

· Proper estate planning is crucial for protecting assets and ensuring financial security.

· Using trusts can be beneficial, but they must be set up correctly to avoid complications.

· Strategic planning is essential for successful property investment.

Chapters

00:00 Key shifts in lending rules, tax changes and new fraud data.

01:38 Lenders restrict trusts and SMSF borrowing as risk tightens.

03:20 Why misguided "trust stacking" advice caused today's clampdown.

08:12 Fixed rates rise early as markets signal no cuts ahead.

12:40 ATO targets holiday-home deductions and tightens compliance.

17:56 NSW freezes land-tax thresholds, increasing investor exposure.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you noticed how the Australian property market keeps defying the pessimists? Every time someone says prices have to fall, the market seems to tap them on the shoulder and say, "Not so fast."

Well, the latest November home price report is out, and it paints a very clear picture: Australia's housing markets are still running hot - and in some cities, they're running very hot.

According to the latest data from My Housing Market, national house prices have risen for nine consecutive months, with the November quarter alone delivering another solid 1.3 percent jump.

But averages never tell the full story.

I'm joined today by Dr Andrew Wilson to discuss his November report which doesn't just highlight what's happening now - it hints at what's coming next. And his view is that 2025 could deliver even stronger price growth than 2023 and 2024.

Takeaways

· 2025 is shaping up to be a strong year for property investors.

· Despite affordability challenges, the housing market continues to thrive.

· First home buyer schemes are expected to significantly impact the market.

· Brisbane has seen substantial price increases, outperforming other regions.

· The national home price has shown consistent growth across capital cities.

· Imposter syndrome is common among successful investors and entrepreneurs.

· Strategic investment is crucial in navigating the property market.

· Market predictions can often be misleading; long-term fundamentals matter.

· The unit market is experiencing a resurgence, particularly in Melbourne.

· 2026 is expected to bring steady growth, but not as strong as 2025.

Chapters

00:00 Prices rise for the ninth month as housing markets outperform the pessimists.

02:08 Capital cities log another strong month despite affordability pressures.

03:20 Quarterly method shows November softer than October but still robust.

05:18 Near-10% annual growth and first-home-buyer surge set to push prices higher.

07:20 Brisbane, Perth, Adelaide and Darwin dominate with standout annual gains.

12:53 Outlook: momentum continues into 2026, though growth should moderate.

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's How to Grow a Multi-Million Dollar Property Portfolio in Your Spare Time. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

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Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Negotiating is a part of living; we do it all the time.

When you walk down a crowded street, you negotiate the path you take.

A couple negotiates their relationship before and during marriage. Although you may not realise what's happening, for example, you take out the garbage tonight and I will do the dishes.

And of course of the negotiation is one of the skills developed by all savvy property investors and business people.

Over the years I've noticed that some people are very good at getting terrific deals. Most others simply get what the other party is willing to give.

What's the difference? In my mind, it's that the first group knows how to negotiate.

It's actually more than that, they know how to influence and persuade others to do what they would like them to do.

So today I'd like to discuss the topic of negotiation, influence and persuasion with Brett Warren, National Director of Property at Metropole.

In this conversation, we discuss the essential skills of negotiation, influence, and persuasion, emphasizing that life itself is a series of negotiations.

We explore the psychological aspects of negotiation, the importance of emotional detachment, and the power dynamics at play.

We also debunk common myths about negotiation, highlights common mistakes, and shares practical tips for becoming a better negotiator.

Takeaways

· Life is a negotiation, whether in property or personal matters.

· Emotional control is key in negotiations.

· Building rapport creates trust and facilitates negotiation.

· The first offer can set the tone for negotiations.

· Many people make the mistake of being too emotional during negotiations.

· Preparation is crucial for successful negotiation.

· Listening is more important than talking in negotiations.

· Understanding psychological biases can improve negotiation outcomes.

· Success in negotiation often comes down to mindset and resilience.

Chapters

02:16 – Why Life Is One Big Negotiation

05:12 – The Power of Time, Information and Options

08:14 – Emotional Control and Reading People

10:37 – Rapport, Trust and Ethical Influence

13:07 – Myths, Mistakes and Smarter Strategies

16:17 – Anchoring, Biases and Winning the Right Deal

Links and Resources:

Answer this week's trivia question here - http://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully. Everyone wins a copy of a fully updated property report.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Brett Warren - National Director of Property at Metropole

Michael Yardney – Subscribe to my Property Update newsletter here.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Have you ever looked at a successful property investor and thought – they just got lucky? They bought at the right time, in the right suburb, and everything seemed to go their way. But here's the truth: most successful investors don't wait for luck – they create it.

In today's show, I'm joined by Brett Warren, national Director of Property at Metropole and together we're going to pull back the curtain on what really drives success in property. You'll discover why some investors always seem to be in the right place at the right time, while others miss out again and again.

We'll share the habits, strategies, and mindset shifts that can help you manufacture your own luck – and set yourself up to take advantage of opportunities that others never see.

So, whether you're just starting out or looking to take your portfolio to the next level, stick around – because this episode could change the way you think about property investing forever.

Takeaways

· Successful investors don't rely solely on luck; they create their own opportunities.

· Preparation and having a clear strategy are crucial for success in property investment.

· Surrounding yourself with a knowledgeable team can alleviate stress and enhance decision-making.

· Mindset is a significant differentiator between successful and average investors.

· Investors should focus on long-term goals rather than short-term gains.

· Capital growth is more important than cash flow for long-term wealth.

· Successful investors continuously learn and adapt to market changes.

· Delaying gratification is essential for building wealth over time.

· Investing through multiple market cycles helps build resilience and expertise.

· Real-life examples show that informed decisions lead to significant equity growth.

Chapters

01:36 - Are Successful Investors Just Lucky?

05:27 - The Myth of Perfect Timing in Property

09:08 - Building Luck with Teams, Buffers and Strategy

13:06 - Mindset, Long-Term Goals and Delayed Gratification

17:16 - Real Client Stories That Prove Preparation Beats Luck

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Brett Warren - National Director of Property at Metropole

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Debt is a word that makes most people nervous. We think of it as a burden, something to avoid at all costs.

But what if we've been looking at it the wrong way?

Today I'm joined by Professor John Dinsmore, marketing expert and author of the fascinating new book The Marketing of Debt.

John peels back the layers on how debt is presented, sold, and even "marketed" to us, from credit cards to mortgages to student loans. And more importantly, he helps us understand how to navigate debt without fear, confusion, or shame.

Whether you're a property investor, a business owner, or just someone with a credit card in their wallet, this conversation will change the way you think about borrowing money.

Takeaways

· Debt is often marketed in ways that make it seem less risky.

· Understanding debt can lead to better financial decisions.

· There are different types of debt: good, bad, and necessary.

· Financial literacy is crucial for navigating debt effectively.

· Marketing plays a significant role in how debt is perceived.

· Younger generations may underestimate the long-term impact of debt.

· Reading the fine print is essential when taking on debt.

· AI and digital marketing will evolve the way debt is sold.

· Strategic borrowing can be beneficial for property investors.

· Debt should be approached with caution and awareness.

Chapters

02:12 - Why Debt Is Marketed Like Any Other Product

05:58 - Tricks That Make Borrowing Feel Easier Than It Is

09:38 - How Shame, Ignorance and Optimism Trap Us in Bad Debt

13:24 - Good Debt vs Bad Debt: Using Borrowing Strategically

18:40 - AI, Personalization and the Future of Debt Marketing

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of The Rules of Property. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Professor John Dinsmore – Educator, Speaker, Consultant https://www.johndinsmore.com/

John Dinsmore's book : The Marketing Of Debt. https://www.amazon.com/Marketing-Debt-How-They-Get/dp/1836626010

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today I want to show you how you can move from working for money to making money work for you and I'll use Robert Kiyosaki's Cashflow Quadrant as your guide.

To unpack this, I'm joined by Mark Creedon, CEO of Metropole and business coach to many of Australia's top entrepreneurs, who shares how you can structure your work, your business, and your investments to ultimately step into the investor quadrant full-time.

So, no matter if you're employed, self-employed, already running a business, or just getting started on your investment journey—this episode will give you a completely new framework for thinking about money. One that could change your long-term wealth trajectory.

Takeaways

· The Cash Flow Quadrant is essential for understanding financial positions.

· Transitioning from employee to business owner requires a mindset shift.

· Having a plan is crucial for both business and investment success.

· Delegation and trust in your team are key to scaling a business.

· Aligning business goals with property investment is vital for long-term success.

· Mindset shifts are necessary for moving from self-employed to investor.

· Coaching can help identify blind spots and guide business growth.

· Systems and processes are important for business sustainability.

· Financial buffers and succession planning are essential for business exit strategies.

Chapters

00:00 The Dual Business Model for Investors

07:04 Understanding the Cash Flow Quadrant

11:18 Mastermind Business Accelerator Overview

13:08 Planning for Business Exit and Succession

16:42 Mindset Shifts for Successful Transition

20:56 The Importance of Coaching and Community

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Let Mark and Caroline Creedon help you build a business, not a job, so you can enjoy the time freedom and lifestyle choices you desire, without killing yourself in the process, by joining Mastermind Business Accelerator. Find out more here. https://metropolemastermind.com.au/

Subscribe to Mark Creedon's Mastermind For Business Podcast on your favourite podcast App or here. https://www.mastermindforbusiness.com.au/

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Thinking about selling your investment property? Wondering if leases still protect you these days? Or maybe you've heard AI and inspection managers are taking over property management?

In today's show, I sit down with Leanne Jopson, Director of Property Management at Metropole, to answer the five most common questions investors ask her.

Leanne and her team speak with hundreds of investors every week, and the same questions keep cropping up, so we unpack those questions and provide you with the answers straight from the front line of property management.

Whether you're a seasoned investor or just starting out, I think you'll find today's discussion could save you money, stress, and sleepless nights.

Takeaways

· Investors need to ask 'why' before selling properties.

· AI is enhancing property management efficiency.

· Leases provide a framework for tenant security.

· Tenant selection is crucial for long-term success.

· Property management is about strategy, not just rent collection.

· Understanding market dynamics is essential for investors.

· Professional property management can prevent costly mistakes.

· Investors should consider the total cost of selling a property.

· The average length of tenancy is increasing.

· Property management fees vary based on service quality.

Chapters

01:04 – Why Investors Are Thinking of Selling

04:08 – Getting Independent Advice Before Selling

09:10 – Are Leases Still Worth It?

13:56 – How AI Is Changing Property Management

18:10 – The Real Cost of Cheap Property Managers

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of What Every Property Investor Needs to Know About Finance, Tax and the Law.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond

Leanne Jopson- National Executive - Property Management at Metropole

As Metropole specialises in property management our vacancy rate is considerably below the market average, our tenants stay an average of 2 years and our properties lease 10 days faster than the market average. Click here to see how we can help you.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

https://propertyupdate.com.au/podcast-bonus/

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In today's show, Ken Raiss and I discuss the intricacies of wealth building and legacy planning.

We explore the importance of careful planning to avoid common pitfalls, the role of trusts in estate planning, and the implications of superannuation on wealth transfer.

The conversation also covers strategies for gifting wealth, the benefits of investment bonds, and the significance of philanthropy.

Finally, we provide actionable steps for individuals looking to start their legacy planning journey.

Takeaways

· Wealth building requires careful planning to avoid losses.

· Timing is crucial in wealth transfer strategies.

· Trusts can provide flexibility and tax advantages in estate planning.

· Superannuation can complicate wealth transfer if not managed properly.

· Gifting wealth during one's lifetime can have tax implications.

· Investment bonds can be a tax-effective way to pass on wealth.

· Philanthropy should be approached with specificity to ensure impact.

· Legacy planning should start early, considering values and timing.

· Consulting with financial experts can simplify complex decisions.

· It's essential to communicate intentions clearly to avoid family disputes.

Chapters

00:00 Building a Legacy: The Importance of Planning

04:30 Wealth Transfer Strategies

09:42 Gifting Wealth During Lifetime

12:16 Superannuation: Friend or Foe?

17:15 Real Estate and Capital Gains Tax

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing Successfully

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney

Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

If you spend five minutes talking to a Gen Z, you could walk away feeling pretty gloomy. They'll tell you the world is burning, wars are endless, work is meaningless, and of course, that housing is forever out of reach.

And on the surface, they've got a point — affordability is at record lows, and the property ladder feels further away than ever.

But here's the thing… the future might not be as bleak as they think. In fact, there's a quiet housing revolution coming that could turn things around for this younger generation.

Demographics, policy shifts, even the way we build homes — all of these are lining up to create opportunities that might surprise a lot of people.

And in today's show, leading demographer Simon Kuestenmacher and I explore the impact of demographics on our housing markets, and the potential for Gen Z to benefit from favourable job conditions and economic shifts.

Takeaways

· The housing market may improve for Gen Z in the future.

· Demographic trends suggest job security for Gen Z.

· Gender equality is improving and will benefit future generations.

· Baby boomers transitioning out of homes will create opportunities.

· First home buyer grants may inadvertently raise housing prices.

· More tradespeople are needed to address housing shortages.

· Innovation in housing construction is essential for affordability.

· Government policies need to be reformed for better housing access.

· Gen Z's future may be more optimistic than current perceptions suggest.

Chapters

03:17 - Gen Z: Smartphones, Social Media and Mental Health

06:11 - Why a Small Generation May Have Big Job Advantages

10:24 - Baby Boomers Passing Homes and Housing Supply Shift

13:58 - Densification of Middle Suburbs and Urban Change

15:44 - First Home Buyer Grants Driving Prices Up

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing Successfully

· Every entry receives a copy of a fully updated Michael Yardney Property Report

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Let's be honest — if our politicians really wanted housing to be affordable, it would be by now.

They've had decades to fix it. There have been inquiries, commissions, roundtables, and billions thrown at so-called "affordability schemes."

And yet, what do we have? Record house prices, record rents, and a generation of young Aussies wondering if they'll ever own a home.

Maybe — just maybe — that's not an accident.

In today's Big Picture episode, Ken Raiss and I unpack why the housing affordability crisis isn't a policy failure... it's the system working exactly as designed.

We'll explore why politicians can't afford for property prices to fall, how government policy quietly rewards property owners, and what that means for investors like you.

Takeaways

· Housing affordability remains a critical issue in Australia.

· Government policies often prioritize property value stability over affordability.

· Cultural perceptions link home ownership to success in Australia.

· A significant percentage of politicians own property, influencing housing policies.

· Consumer confidence is low despite some economic improvements.

· Investors should focus on strategic property purchases.

· Wealth advisory services can help investors navigate complex markets.

· Economic uncertainty can create opportunities for savvy investors.

· Long-term planning is essential for property investment success.

· Education and preparation are key for investors to capitalize on market changes.

Chapters

02:07 - Why Politicians Can't Afford for Property Prices to Fall

04:59 - How Government Taxes Depend on Rising Property Values

06:50 - Banks, Confidence and the Economy Built on Housing

09:05 - Cultural Bias: Homeownership as the Core of Australia's Identity

12:11 - Why 94% of Politicians Own Property and Won't Change the Rules

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing Successfully

· Everyone wins a copy of a fully updated property report – What's Ahead For Property For 2026 And Beyond.

Michael Yardney http://michaelyardney.com/

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

If you've been wondering whether Australia's housing boom still has legs, or if we've already hit the peak of this cycle, then today's episode will give you the clarity you've been looking for.

Because, according to Dr Andrew Wilson, home prices across our capital cities accelerated again in October — marking the strongest monthly growth in nearly four years.

Now, this kind of broad-based growth might surprise some commentators who've been predicting a slowdown.

But as Andrew points out in his latest House Price Report, the combination of lower interest rates, improved affordability, and chronic undersupply continues to fuel strong buyer demand — particularly in markets where stock remains scarce and confidence is returning fast.

Takeaways

· Most Australians focus on short-term financial concerns.

· Interest rates and media headlines distract average investors.

· Property markets have performed more strongly than expected this year.

· All capital cities reported higher property prices recently.

· Brisbane's unit market has seen significant growth.

· Fear of missing out is influencing buyer behavior.

· The national house price has increased by 8.3% over the past year.

· Strong fundamentals are supporting ongoing price increases.

· The housing market is expected to remain active in the coming months.

Chapters

02:08 - Australia's Strongest Price Growth in Four Years

04:38 - Did the Reserve Bank Cut Rates Too Soon?

07:18 - How the Data Really Measures Monthly Price Trends

08:01 - House Prices Surge Nationwide — The Boom Returns

11:40 - Brisbane Leads as Units and Houses Break New Records

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

• Win a hard copy of Michael Yardney's Guide to Investing Successfully • Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Are you in your 20s and just starting out, in your 40s and hitting your peak earning years, or in your 50s and wondering how to secure your financial future?

No matter where you are in life, your property investment strategy needs to evolve with you. Too many investors treat property as a one-size-fits-all game – and that's why half of all new property investors sell up within five years.

In today's episode, I'm joined by Brett Warren, National Director of Property at Metropole, to talk about how to invest wisely at every age and stage of life – and the timeless fundamentals that apply no matter when you begin.

We also outline the four distinct stages of property investment and provide insights on achieving financial freedom.

Whether you're starting out or consolidating for retirement, this conversation will help you plan smarter and avoid the mistakes most investors make.

Takeaways

· Investing in property is a long-term journey, not a transaction.

· Different life stages require different investment strategies.

· Education and financial literacy are crucial for success.

· Having a strong team of advisors is essential.

· Avoid emotional buying and focus on long-term growth.

· Understand the importance of capital growth over cash flow.

· Recognize the common mistakes made by investors at various stages.

· Time in the market is more important than timing the market.

· Establish a financial buffer to weather market cycles.

· Success in property investment leads to financial freedom and choices.

Chapters

02:27 - Core Fundamentals: Education, Strategy and the Right Team

08:42 - Myths, Contrarian Views and the Role of AI in Data

13:04 - In Your 20s: Time Advantage, Rentvesting and First Home Buyer Grants

19:22 - In Your 30s–40s: Career Growth, Family Needs and Investment Choices

25:18 - In Your 50s: Peak Earnings, Equity Use and Diversification

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Brett Warren - National Director of Property at Metropole

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you ever felt like the classic Aussie dream - you know, owning your home, maybe a few investment properties, and creating a secure future for your family - is getting harder to reach?

You're not alone.

Today, I'm joined by Mark Matson – a renowned American entrepreneur, wealth educator, and author of Experiencing the American Dream.

Now, before you switch off at the phrase "American Dream" – I get it – this isn't a US flag-waving episode.

In fact, Mark's message is about something we all care about: taking control of your financial future, transforming your mindset around money, and aligning your wealth with your life's purpose.

We discuss the psychological aspects of wealth, the impact of media on mindset, and the necessity of shifting from a scarcity to an abundance mentality.

The dialogue also addresses common investing myths, the significance of problem-solving in financial decisions, and the distinction between being rich and being fulfilled.

Takeaways

· The Australian dream of home ownership is becoming harder to achieve.

· The American dream is evolving and is not solely materialistic.

· Money cannot buy happiness; purpose does.

· A scarcity mindset limits financial growth and opportunities.

· Private property is essential for entrepreneurship and wealth creation.

· Investing requires understanding and a long-term perspective.

· Problem-solving is crucial in financial decision-making.

· Many wealthy individuals are not fulfilled or happy.

· Finding a personal purpose can lead to a more meaningful life.

· We live in unprecedented times of opportunity and prosperity.

Chapters

02:02 - Mark Matson's Journey and Global Investing

03:33 - Redefining the American Dream Beyond Money

06:32 - Media Fear vs. Living in the Best Time in History

08:01 - Why Money Alone Can't Bring Happiness

12:36 - Scarcity Thinking and the Power of Abundance

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

· Win a hard copy of Michael Yardney's Guide to Investing. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

Mark Matson – Founder of Matson Money https://www.linkedin.com/company/matson-money/

Mark Matson's book :Experiencing The American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life https://www.amazon.com.au/Experiencing-American-Dream-Invest-Extraordinary/dp/1394262043

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In today's show, Simon Küstenmacher and I discuss the dynamics of our property markets, with a particular focus on the trend of downsizing among baby boomers.

We examine the emotional and financial factors that influence this demographic's decision-making, the impact of government policies on the housing market, and the implications for younger generations seeking family homes.

Simon mentions the need for better housing options and incentives to facilitate downsizing, ultimately aiming to create a more sustainable housing market.

Takeaways

· Baby boomers are hesitant to downsize due to emotional attachments.