The Michael Yardney Podcast | Property Investment, Success & Money

Today I'm joined by Ross Elli, a respected urban thinker and commentator, and we discuss something most politicians and planners are ignoring: the danger of concentrating 70% of Australia's population into just eight capital cities, and doing it without a real plan. We explore the challenges of infrastructure, the concept of the missing middle in housing, and the need for a national settlement strategy to address the growing population and its impact on quality of life.   Whether you're a property investor, policymaker, or simply someone sitting in bumper-to-bumper traffic wondering where it all went wrong, this episode of the Michael Yardney Podcast is going to challenge the way you think about growth, planning, and the future of our cities.   Takeaways  ·         Australia's population growth is concentrated in a few major cities. ·         High-density living does not necessarily reduce traffic congestion. ·         There is a significant gap in housing supply and demand. ·         The concept of the 'missing middle' in housing is contentious. ·         Infrastructure development has not kept pace with population growth. ·         Regional centers can offer a better quality of life than major cities. ·         Government policies need to address urban planning holistically. ·         Decentralization strategies have not been effectively implemented in Australia. ·         Community opposition often hinders new housing developments. ·         A national settlement strategy is essential for sustainable growth.   Chapters    00:00 The Urban Dilemma: Population Growth and Infrastructure 07:31 The Myths of Density and Urban Planning 12:38 The Missing Middle: Densification Challenges 17:55 Regional Opportunities: Rethinking Settlement Strategies 23:08 Decentralization: Lessons from the Past 28:18 Future Visions: A Balanced Australia   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.   Ross Elliott –  Urban Development Thought Leader. https://www.rosselliott.com.au/   Subscribe to Ross Elliott's blog here. https://thefingeronthepulse.blogspot.com/   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 ever looked at a tired old property and thought, “There's potential there,” but weren't quite sure what to do with it? Well, today's show could be the spark you need. Because we're talking about one of the most powerful – and underutilised – strategies for building wealth through property: strategic renovation. In a world where construction costs are soaring and affordability is stretched, more investors are realising that they don't have to wait for the market to deliver capital growth – they can manufacture it themselves. And joining me to unpack this is Greg Hankinson – property renovations and development expert and director of Metropole Developments. Greg's seen it all – from simple kitchen facelifts to full-scale value-add renovations through to medium density developments, and he's here to share his experience, tips, and insights to help you make your next investment a profitable one. We talk through the key fundamentals of a profitable renovation, how to assess a property's potential, the pros and cons of reno vs. new build, and how many successful developers started by simply buying, renovating, and holding.   Takeaways  ·         You can create wealth through renovations, not just market appreciation. ·         The renovation process requires careful planning and understanding of costs. ·         Successful renovations can lead to significant increases in property value. ·         It's essential to identify properties with renovation potential. ·         Avoid common mistakes like overcapitalizing or DIYing without experience. ·         Understanding local regulations and permits is crucial for renovations. ·         Market conditions can affect the feasibility of renovation projects. ·         Investing in renovations can provide better rental yields and lower vacancy rates. ·         A strategic approach to property investment is necessary for long-term success.   Chapters  00:00 Unlocking Property Potential through Strategic Renovations 01:56 Introduction to Renovations and Property Development 04:43 Understanding the Profitability of Renovations 10:12 Financing Renovations and Building Equity 12:29 Common Mistakes in Renovation Projects 17:57 Assessing Renovation Potential in Properties 20:36 Opportunities in the Current Market 23:15 Conclusion and Future Steps in Property Development   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   Join us at the Ultimate Property Development Workshop in Melbourne on November 8th Click here for all the details https://realestateworkshop.com.au/   Greg Hankinson -  Director, Metropole Constructions    Interested in getting involved at the “wholesale” end of the property market? We'll help you become a property developer. Click here and find out how. https://metropole.com.au/develop/     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.

Imagine inviting thousands of people to a party… but forgetting to organise enough food, chairs, or bathrooms. That's essentially what Australia is doing by ramping up migration while failing to plan for the housing and infrastructure to support it. Today, Simon Kuestenmacher and I discuss why we can't keep separating housing policy from migration policy. The conversation around our housing crisis is often framed around interest rates, investors, or planning delays. But there's a critical dimension we keep avoiding: Australia's housing and migration policies are completely out of sync, and this is causing systemic damage.   Takeaways  ·         Australia is experiencing a housing crisis due to rapid migration without adequate infrastructure. ·         Every decision contributes to the future we build, akin to laying bricks in a house. ·         The disconnect between housing and migration policies is creating significant challenges. ·         Young people and low-income earners are increasingly priced out of the housing market. ·         Government policies need to be proactive rather than reactive to address housing shortages. ·         The current planning system is outdated and hinders timely housing development. ·         Property taxes are a major contributor to housing unaffordability. ·         A national housing target linked to migration levels could stabilize the market. ·         Lessons from other countries show the importance of strategic migration policies. ·         Long-term planning is essential for sustainable urban development and infrastructure.     Chapters  00:00 - Migration Without Infrastructure 04:01 - What's been happening to immigration 08:43 - Property Taxes 09:00 - Housing Affordability Crisis 15:48 - Housing Demand Caused by the Migration 24:52 - Infrastructure Planning Area 33:55 - Final Thoughts   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 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/

In today's Macro Insights Podcast, Ken Raiss and I examine who really pays tax in Australia, and the results may surprise you.   We also share what the average wage and superannuation balance in Australia is, and I bet these figures will surprise you.   We also discuss the latest statement from APRA about its 3% mortgage assessment buffer we will tell you what time of the week you're most likely to get scammed?   As somebody interested in growing your wealth or property, there will be lots in the show for you.     Takeaways  ·        Australian Taxation Office's 2022–23 tax‑return snapshot (approximately 16.1 million lodgements) to paint a portrait of the “average 100 Australian. ·        Out of those 100 Australians, 21 pay no income tax at all. None. Zip. ·        Meanwhile, just 3 individuals contribute nearly 30% of all net income tax. Add in the next 6, and you're up to nearly 50%. And the next 30 take it to almost 90%. ·        So 39 Australians (out of 100) are footing almost the entire tax bill. ·        The average super balance is around $173,000; the median is just $60,000. What does that tell us?All eight capital cities recorded house price growth in the June quarter. ·        Westpac reveals the time of day you're most likely to be scammed is Tuesday afternoon   Chapters  00:00 Understanding Australia's Tax Landscape 04:15 The Role of High Income Earners in Taxation 06:37 Income Disparities and Superannuation Challenges 09:24 The Impact of APRA's Mortgage Serviceability Buffer 12:00 Scams and Consumer Awareness 14:35 Infrastructure Needs for Population Growth   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.   The FirstLinks article mentioned in the show https://www.firstlinks.com.au/100-aussies-seven-charts-on-who-earns-pays-and-owns   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/

What happens when the Great Australian Dream becomes a financial nightmare? In 2025, buying your first home in Australia has become less of a rite of passage and more of a high-stakes gamble. Record-high deposits, sky-high property prices, and mortgage repayments eating up more than 30% of many buyers' income - it's no wonder almost half of all first home buyers now regret their decision. Today, I'm joined by Sarah Megginson, personal finance expert at Finder to discuss their First Home Buyer Report 2025 which reveals the rising pressure on young Australians trying to break into the property market - from paying well over budget to being left with no savings at all after settling. We discuss why buyer's remorse is soaring, how affordability is vanishing, and what it all means for the future of home ownership in Australia. Whether you're an investor, a parent helping your kids buy, or just curious about where our housing market is heading, stick around. This is one of those episodes that will shift your perspective.   Takeaways  ·         The property market is increasingly challenging for first home buyers. ·         Financial support from parents is becoming crucial for many buyers. ·         Many first home buyers regret their purchase due to overspending. ·         Government incentives can help first home buyers enter the market. ·         Understanding lenders mortgage insurance is essential for buyers. ·         Saving habits are critical for managing home ownership costs. ·         Buyers are adapting by considering different locations and dwelling types. ·         The emotional aspect of buying a home can be overwhelming. ·         It's important to think long-term when making a home purchase. ·         There are still opportunities for home ownership despite market challenges.     Chapters  00:00 The Struggles of First Home Buyers 04:39 The Role of Family Support in Home Buying 07:34 Understanding Affordability in the Current Market 10:12 Regrets and Realities of First Home Purchases 13:03 Navigating the Buying Process: Tips and Strategies 15:53 Government Incentives for First Home Buyers 16:46 Saving for a Deposit: Strategies and Challenges 19:49 The Importance of Financial Preparedness 22:30 Adapting to the Market: New Strategies for Buyers   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 2025 and beyond.   Finder's First Home Buyer's Report https://www.finder.com.au/insights/first-home-buyer-report-2025    Sarah Megginson - money expert and Head of Editorial at Finder https://www.finder.com.au/author/sarahmegginson   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     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.  

There's a lot of noise out there right now — the media, politicians, and even Sunday BBQ conversations seem to revolve around one central villain: the property investor. Apparently, we're to blame for housing unaffordability, rising rents, and locking young people out of the market. But is that really fair? Because when you scratch below the surface, you realise that property investors are not the problem — in fact, we're a critical part of the housing solution. Today I'm joined by Brett Warren, National Director of Metropole Property Strategists, and we have a frank conversation about why property investors are essential to Australia's housing market — and what people get so wrong about us. We talk about how investors house millions of Aussies, how much we contribute in taxes, and why policy decisions that punish investors could end up hurting the very people they're supposed to help. If you're an investor feeling misunderstood or simply curious about how the system really works, you're going to get a lot out of today's show.   Takeaways  ·         Property investors are often blamed for housing unaffordability, but this narrative is misleading. ·         Investors play a crucial role in providing rental accommodation for many Australians. ·         The majority of property investors own one or two properties, not large portfolios. ·         Government policies significantly impact the housing market and investor activity. ·         Investors contribute over $40 billion annually in taxes to the Australian economy. ·         The media often presents a one-sided view of property investment. ·         There is a growing need for more affordable housing options in Australia. ·         Investors are not just wealthy moguls; they are everyday Australians seeking financial security. ·         The future of property investment requires a fairer tax policy and more supply. ·         Understanding the long-term fundamentals of property investment is essential for success.   Chapters  00:00 The Misunderstood Property Investor 00:54 The Role of Investors in Housing Solutions 01:37 The Anti-Investor Sentiment 04:16 The Role of Property Investors 07:05 Understanding Rental Dynamics 09:51 The Financial Contributions of Investors 12:43 The Future of Property Investment 15:13 Navigating the Current Market 18:03 The Importance of Long-Term Planning   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 2025 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    Brett Warren - National Director of Property at Metropole   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 ever wondered why some people seem to effortlessly build wealth through real estate while others spend their entire lives working hard, only to end up financially stuck? The truth is that most Australians won't ever achieve genuine financial independence. Sure, they'll retire... eventually. But for many, that just means swapping full-time work for full-time worry — especially with rising living costs, uncertain super balances, and a whole lot of financial unknowns. But there's a group that does break free. And they tend to have one thing in common: they invest in property strategically. In today's show, Brett Warren — National Director of Property at Metropole — and I unpack why property investors develop financial freedom when so many others don't.   Takeaways  ·         Property investment is a long-term business. ·         Wealth isn't built overnight; it takes discipline. ·         You need a plan, not just a postcode. ·         If you don't learn to make money while you sleep, you'll never become wealthy. ·         Property gives you leverage like no other asset class. ·         The media keeps most people just above broke. ·         Investors use capital, not time, to build wealth. ·         You can outperform the averages with the right knowledge. ·         It's about making hard decisions now for an easier future.     Chapters  00:00 The Wealth Gap: Understanding Financial Independence 00:28 Strategic Property Investment: The Key to Freedom 00:55 Mindsets and Strategies for Financial Success 01:49 The Quest for Financial Independence 04:16 Understanding the Cash Flow Quadrant 07:04 The Importance of Financial Literacy 09:58 Investing in Property: A Viable Strategy 12:46 Common Pitfalls for New Investors 15:33 The Role of Mindset in Wealth Building 18:00 Long-Term Planning for Financial Freedom 21:12 Current Market Trends and Opportunities   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 2025 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   Brett Warren - National Director of Property at Metropole   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 Australia's property market seems to have roared back to life recently? After a sluggish 2024, Domain's latest House Price Report shows all eight capital cities recorded house price growth in the June quarter – for the first time in four years. And it's not just houses. Unit prices are surging too, often outpacing houses as buyers chase affordability. So what's behind this rebound? Rate cuts, increased demand, and a lingering supply shortage have all played a role. But is this recovery sustainable? Will further rate cuts continue to fuel prices, or are there headwinds ahead? To help us unpack this, I'm joined by Dr Nicola Powell, Chief of Research and Economics at Domain.  She'll share insights from Domain's June Quarter House Price Report and explain what these trends mean for buyers, sellers, and investors alike. Whether you're a homeowner, an investor, or simply keeping an eye on the market, you'll want to hear what Dr Powell has to say.   Takeaways  ·         Most people only realise the market's turned too late. ·         All eight capital cities recorded house price growth in the June quarter. ·         The turnaround in auction conditions has been very evident across Sydney and Melbourne. ·         First home buyers are looking towards units in Sydney due to affordability. ·         Melbourne's housing market is showing signs of recovery after years of lagging. ·         Brisbane's unit prices are outperforming house prices, indicating a shift in buyer preference. ·         Canberra is on a pathway to recovery, with modest price increases. ·         Every state goes through its cycle, affecting property values differently. ·         Rate cuts are expected to boost buyer confidence and market activity. ·         Understanding local market dynamics is crucial for property investment.   Chapters  00:00 - Introduction to Market Trends 02:15 - Sustainability of the current market recovery and future predictions. 13:30 - Sydney and Melbourne Market Analysis 17:00 - Brisbane and Adelaide Market Trends 20:45 - Canberra and Perth Market Updates 24:00 - Conclusion and Future Outlook   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investment ·         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/ Domian Property June Quarter House Price Report:  https://www.domain.com.au/research/house-price-report/june-2025/   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.

Australia's housing markets just keep marching forward – and the latest numbers are in! Today I'm joined by Dr. Andrew Wilson, Chief Economist of My Housing Market, to break down July's House Price Report – and it's full of good news for homeowners and property investors alike. House prices rose in every single capital city over the month – that's now five months in a row of rising prices nationally, with the median capital city house price sitting at over $1.2 million and annual growth climbing to 5.9%. We'll discuss: ·         Why Perth and Brisbane continue to lead the charge with double-digit annual growth ·         How Melbourne and Sydney are quietly bouncing back ·         The surprise standout performances from Canberra and Darwin ·         And why 2025 is shaping up to be another strong year for property markets Plus, unit prices are also on the rise, and confidence is building as interest rate cuts and low unemployment levels continue to support our economy.   Takeaways  ·         House prices in capital cities rose in July, indicating a positive trend. ·         The market fundamentals suggest strong growth potential in the coming months. ·         Commitment, courage, capability, and confidence are essential for success in property investment. ·         Perth and Adelaide are showing significant upward momentum in their housing markets. ·         Interest rate cuts are likely to further boost housing market activity. ·         All capital cities recorded increases in median house prices over the July quarter. ·         First home buyers face challenges due to rising prices and increased competition. ·         Lower interest rates improve affordability but can lead to higher property prices. ·         Consumer confidence is rising, contributing to increased auction attendance. ·         The upcoming spring selling season is expected to drive further market activity.   Chapters  02:15 Interest Rates and Market Confidence 05:30 Regional Market Performances 08:45 The Four C's Formula for Success 12:00 Challenges for First Home Buyers 15:30 Conclusion and Future Outlook   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 2025 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    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 Ken Raiss and I are diving into a crucial topic for anyone looking to purchase property in Australia: choosing the right property ownership structure. So whether you're a first-time investor, a seasoned buyer, or even planning a family purchase — this episode is for you. We discuss various ownership options, including trusts and companies, and highlight common mistakes investors make.   The conversation emphasizes the need for professional advice to navigate these complexities and ensure long-term success in property investment.   Takeaways  ·         Understanding ownership structures is crucial for long-term wealth. ·         Time is a valuable asset; treat it wisely. ·         Tax efficiency can significantly impact investment returns. ·         Trusts can provide flexibility and protection for assets. ·         Common mistakes in trust management can lead to financial loss. ·         Company structures may offer benefits for high net worth individuals. ·         Self-managed super funds can be powerful tools for wealth building. ·         Professional advice is essential for tailored investment strategies. ·         Investors should prioritize their goals when choosing structures. ·         Beginner investors must set up their ownership structures correctly. Chapters  00:00 Understanding Ownership Structures 05:20 Common Ownership Structures Explained 09:05 The Role of Trusts in Wealth Building 12:27 Navigating Tax Implications and Asset Protection 16:10 Choosing the Right Structure for Your Needs 19:40 The Importance of Professional Advice 25:00 The Concept of Time Wealth Links and Resources: 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're interested in property you've probably noticed it's a confusing time out there . Interest rates are falling, but there are mixed messages about how many rate cuts we are going to get. Population growth is surging, but we're not building enough homes. The media is full of mixed messages, and many would-be investors are paralysed by uncertainty. That's why in today's show, Brett Warren and I explain the nine biggest influences shaping our property markets in 2025 and beyond. We discuss the real levers behind market movements, and we also reflect on what history tells us about these influences —and how savvy investors can position themselves ahead of the curve, while others sit on the sidelines. So, whether you're a seasoned investor or simply trying to make sense of this changing market, today's discussion will provide you with clarity, confidence, and a distinct strategic advantage.   Takeaways  ·         There's a confusing time out there regarding property investment. ·         Understanding homeowner behavior is crucial for investors. ·         Current supply shortages are significant and growing. ·         Affordability issues are impacting many potential buyers. ·         Consumer confidence plays a vital role in market dynamics. ·         Strategic investment is essential in a changing market. ·         Increased buyer confidence is being observed in the market. ·         The lack of supply is creating a perfect storm for property values. ·         Interest rates and economic factors are influencing buyer behavior. ·         Investors should act early to capitalize on market opportunities.   Chapters  00:00 The Illusion of Truth 01:38 Understanding the Current Property Market Dynamics 04:31 Demographic Shifts and Housing Demand 06:56 Supply Challenges in the Housing Market 09:43 The Impact of Interest Rates on Affordability 12:40 Government Policies and Their Effects 15:32 Consumer Confidence and Market Trends 18:12 Strategic Insights for Property Investors   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 2025 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  Brett Warren - National Director of Property at Metropole   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 this Macro Insights Podcast, Ken Raiss and I examine the big picture and share our perspective on how this may impact our housing markets in Australia, as well as what, if anything, you should do as a property investor.   We discuss what's ahead for interest rates, and clues in the news about economic indicators and consumer behaviour.   We examine the dynamics of supply and demand, the influence of household wealth, and the importance of demographics in property investment.   As somebody interested in property, there will be lots in the show for you.     Takeaways  ·         The Reserve Bank's cautious approach to interest rates reflects current economic uncertainties. ·         Investors who prepare and act strategically can benefit from market fluctuations. ·         High auction clearance rates indicate a strong demand for properties in major cities. ·         The mortgage cliff did not result in widespread defaults as anticipated. ·         Household wealth has increased, but many Australians do not feel its effects. ·         Property values tend to grow faster than inflation over the long term. ·         Demographics play a crucial role in property market dynamics and wealth transfer. ·         Holistic wealth management is essential for effective property investment strategies. ·         Self-managed super funds offer opportunities for leveraging property investments. ·         The conversation marks the beginning of a series of insights into property and economic trends.   Chapters  01:36 Interest Rate Surprises and Economic Caution 04:12 Market Reactions and Property Trends 06:46 Mortgage Defaults and Consumer Behaviour 09:22 Global Influences on the Australian Economy 12:00 Household Wealth and Property Values 14:37 Superannuation Performance and Property Investment 17:12 Demographics and Wealth Transfer   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 2025 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/

What if I told you that right now, quietly but powerfully, one of the biggest investment opportunities in Australian property is unfolding in plain sight? While most people are focused on the day-to-day news cycle, savvy investors are looking a few years ahead, to 2032, when Brisbane will step onto the global stage to host the Olympic and Paralympic Games. But here's the thing: the real gold rush isn't during the Games — it's the decade leading up to them. Billions of dollars are already pouring into infrastructure. Suburbs are being transformed. Jobs are being created. And investor interest is quietly surging — before the rest of the world catches on. In today's show I'm joined by Brett Warren, National Director of Property at Metropole and one of the sharpest minds in strategic property investment, to help you cut through the headlines and zero in on where the real opportunities lie. Whether you're already in the Brisbane market or wondering if now's the time to act, this episode could be a game-changer for your investment journey.   Takeaways  ·         Brisbane is on the verge of significant growth due to the upcoming Olympics. ·         Infrastructure development is crucial for enhancing property values. ·         Investors should focus on areas with planned infrastructure improvements. ·         Gentrification is a key factor in identifying investment opportunities. ·         Understanding local market dynamics is essential for successful investing. ·         The property market may experience a slowdown, but strong fundamentals remain. ·         Accessibility to transport will drive demand in Brisbane's suburbs. ·         Investors should avoid the 'buy and hope' strategy. ·         Long-term planning is vital for property investment success. ·         Brisbane's economic growth is expected to continue beyond the Olympics.   Chapters  00:00 Brisbane's Market Evolution and Olympic Impact 04:17 Infrastructure Developments and Urban Transformation 07:20 Accessibility and Growth Opportunities 09:53 Regional Benefits Beyond Brisbane 12:57 Investment Strategies and Gentrification 15:29 Navigating the Property Market and Avoiding Pitfalls 18:16 Long-Term Investment Perspectives 21:04 The Future of Brisbane Post-Olympics   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 2025 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  Brett Warren - National Director of Property at Metropole 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.

We're now on the brink of what could be the biggest shake-up to the Australian tax system since the GST was introduced back in 2000. Federal Treasurer Jim Chalmers has signalled that tax reform is not just on the agenda - it's a priority. But what kind of reform are we really talking about here? If you dig beneath the headlines, this isn't just about closing loopholes, it's about reshaping how wealth is taxed and redistributed in a very different economic and demographic Australia. Whether you're a business owner, property investor, or self-funded retiree, you may be directly in the firing line. And while Chalmers says this isn't about a ‘tax grab', many of us know that when Canberra talks about ‘fairness,' it often means someone else is footing a larger bill. So today, Ken Raiss, Director of Metropole Wealth Advisory, and I discuss what's being proposed, what the real motives might be, and how you can future-proof your wealth and estate plans amid the uncertainty.”   Takeaways  ·         Debt burden is driving government tax reform discussions. ·         Australia's gross debt is projected to exceed 100% in five years. ·         Government spending is increasing significantly, impacting taxpayers. ·         Tax reforms may target wealth rather than income. ·         Family trusts could face changes that affect small business owners. ·         Intergenerational wealth planning tools may be eroded by new taxes. ·         Financial health checks are essential for optimizing wealth structures. ·         Proactive planning is crucial in anticipation of tax changes. ·         The government is exploring new revenue sources to manage debt. ·         Economic policies may shift towards taxing wealth rather than work.   Chapters  00:00 Understanding Tax Reform Priorities 04:29 The Debt Tsunami and Its Implications 09:17 Exploring Tax Strategies and Alternatives 12:10 The Future of Family Trusts and Wealth Distribution 14:45 Taxing Wealth vs. Taxing Work 16:57 Government Pressures and Potential Changes 19:35 Proactive Tax Planning Strategies 22:14 The Importance of Financial Health Checks 24:37 Looking Ahead: The Future of Taxation in Australia   Links and Resources:   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/

Today, women live longer than men, but retire with far less money. And despite all the progress we've made, Australia's gender wealth gap remains stubbornly wide. Today I'm joined by Sarah Megginson, money expert and Head of Editorial at Finder, to unpack the insights from their 2025 State of Women's Wealth Report. We explore why women continue to fall behind financially, what drives the wealth gap beyond pay inequality, and most importantly, what women (and men) can do about it. You might be thinking, "Well, I'm not a woman — why does this affect me?" I think you really should listen to today's show because financial security isn't just about individuals. It's about families. Communities. Generations. When women build wealth, everyone benefits: More kids grow up in financially secure homes. More wealth gets reinvested into our economy. More retirees live independently, not dependent on government handouts. This is all about building a stronger, fairer, wealthier Australia.   Takeaways  ·         Women hold 40% less net wealth than men. ·         The gender pay gap begins in primary school. ·         Women are more likely to work part-time, affecting their superannuation. ·         Education is crucial for financial empowerment. ·         Cultural shifts are changing financial goals for younger generations. ·         The sandwich generation faces unique financial challenges. ·         Women over 50 are at a higher risk of homelessness. ·         Negotiating pay remains a hurdle for women. ·         Small financial steps can lead to significant changes. ·         Parents play a vital role in shaping children's financial attitudes.   Chapters  00:00 Introduction to Women's Wealth Report 04:36 Understanding the Gender Wealth Gap 07:28 The Impact of Career Breaks on Women's Finances 13:04 The Role of Parenting in Financial Education 18:46 The Sandwich Generation: Balancing Care and Career 21:25 Risk of Homelessness for Women Over 50 24:14 Taking Control of Your Financial Future 29:29 Empowering Women to Manage Money   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 2025 and beyond.   Finder's State of Women's Wealth Report https://www.finder.com.au/insights/state-of-womens-wealth-report-2025  Sarah Megginson - money expert and Head of Editorial at Finder https://www.finder.com.au/author/sarahmegginson  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

The Australian property market has been anything but predictable in recent years - booms, corrections, interest rate hikes, and a housing supply crisis have kept everyone on their toes. But what lies ahead? In today's episode I'm joined by Dr Nicola Powell, Chief of Research and Economics at Domain, to unpack their latest Price Forecast Report for the 2025–26 financial year. This isn't just another forecast - we take a deep dive into how affordability, population growth, government incentives, and even the psychology of homebuyers will shape our markets in the year ahead. Whether you're a seasoned investor, a first-home buyer, or just a curious observer of our housing rollercoaster, you'll get real insights into where property values are headed, which cities are poised to outperform, and how you can navigate, or capitalise on, what's coming next.   Takeaways  ·         The property market is experiencing a transition with varying growth rates across regions. ·         Interest rates significantly influence property values, especially in major cities. ·         First home buyers face challenges in accessing the market due to high prices. ·         Population growth remains strong, impacting housing demand. ·         Government policies play a crucial role in shaping market dynamics. ·         Rental markets are currently favoring landlords, but growth rates may slow down. ·         Melbourne is expected to see significant price growth in the coming year. ·         Affordability issues persist, particularly in high-priced markets like Sydney. ·         The cash rate's stability is a key concern for future market performance. ·         Understanding market dynamics is essential for making informed investment decisions.   Chapters  00:00 Market Overview and Price Forecasts 02:38 Melbourne's Market Potential and Price Predictions 13:16 Sydney's Performance and Affordability Challenges 15:54 Brisbane's Growth and Infrastructure Impact 18:47 Perth's Market Slowdown and Future Outlook 21:19 Adelaide and Canberra's Market Trends 24:11 Rental Market Insights and First Home Buyer Support 26:59 Navigating the Unpredictable Australian Property Market   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 2025 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 Domian Property Forecast Report:  https://propertyupdate.com.au/australias-housing-market-fy25-26-a-new-chapter-of-growth-balance-and-challenge/   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.  

We've all heard the phrase “rent money is dead money,” right? But is it really? As property prices surge and affordability challenges mount—especially for younger Australians—a growing number of people are turning to an alternative path: rentvesting. That's where you rent the home you live in and invest in a property elsewhere. Is this just a clever workaround, or is it a genuinely smart wealth-building strategy? In today's episode I'm joined once again by Stuart Wemyss to explore this in depth. And even if you're not particularly interested in rentvesting, I'm sure many of the investment principles Stuart and I will be discussing today will be of benefit to everyone interested in property.   Takeaways  ·         Rent-vesting allows flexibility in property investment. ·         Owning a home can provide long-term financial security. ·         Demographic shifts are changing home ownership trends. ·         Tax implications play a significant role in property decisions. ·         Rent-vesting may not suit everyone financially. ·         Understanding personal goals is crucial in property investment. ·         Long-term strategies are essential for financial success. ·         Common mistakes in rent-vesting can derail financial goals. ·         The importance of a holistic financial strategy. ·         Buying a property is a long-term commitment.   Chapters  01:40 Introduction to Rent Vesting and Home Ownership 04:34 Understanding Rent Vesting: Pros and Cons 06:56 Financial Analysis of Rent Vesting vs Home Ownership 09:46 Demographic Shifts and Home Ownership Trends 12:36 Tax Implications: Capital Gains and Negative Gearing 15:17 Long-Term Financial Strategies and Retirement Planning 18:23 Common Mistakes in Rent Vesting 20:52 Final Thoughts: Making Informed Property Decisions   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 2025 and beyond   Michael Yardney   Stuart Wemyss – Prosolution Private Clients Stuart's Book – Rules of the Lending Game & Investopoly   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. 

Did you know that for the first 15 years of your mortgage, you're working mostly for the taxman, not your future wealth? It's a startling claim, but one backed by data from the Housing Industry Association — and it sheds new light on why housing affordability is getting worse, not better. Today, I'm joined by Tim Reardon, Chief Economist at the HIA, to unpack this extraordinary insight. We explore how government taxes and regulatory charges are silently front-loading the cost of home ownership, inflating house prices, and burdening Aussie families before they've even laid a brick. And while there's some good news on the horizon — with interest rate cuts expected to drive a recovery in home building — the longer-term challenges are immense. Think taxes, planning bottlenecks, and a construction industry on its knees due to chronic underbuilding and workforce shortages. Whether you're a property investor, homeowner, or policymaker, this conversation will leave you thinking differently about the hidden forces shaping the housing market — and why just building more homes won't be enough.   Takeaways  ·         The first 15 years of mortgage repayments primarily cover taxes. ·         Approximately 50% of the cost of a new house is attributed to taxes and fees. ·         Government policies significantly impact housing supply and affordability. ·         Subsidizing first home buyers does not address the root causes of housing unaffordability. ·         The 1.2 million homes initiative requires substantial policy changes to succeed. ·         Foreign investment is crucial for increasing housing supply. ·         Build-to-rent projects are not currently providing affordable housing options. ·         Interest rates directly influence the volume of new home building. ·         Labor availability is a significant challenge for the construction industry. ·         Policy reforms are necessary to improve housing supply and affordability.   Chapters  01:12 Understanding Mortgage Repayments and Taxes 04:54 Challenges in Housing Supply and Infrastructure 09:00 Government Schemes and Their Limitations 10:39 The 1.2 Million Homes Initiative 14:41 The Future of Build-to-Rent Projects 17:01 Market Dynamics and Housing Affordability 20:27 Structural Challenges in the Housing Industry 23:18 Conclusion and Future Outlook   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 2025 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  Tim Reardon HIA Chief Economist  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.

If you're a property investor, I have an important question for you… When was the last time you thought seriously about your property manager? If you think their main job is collecting the rent and organising tradies when something breaks, I've got news for you—things have changed dramatically. In fact, the world of residential property management has been turned on its head in the last five years. New legislation, shifting tenant expectations, work-from-home dynamics, and rapid tech adoption mean that managing your investment property is no longer a simple job you can entrust to just anyone—or worse, do yourself. And if you get this wrong, the consequences can be expensive… and stressful. In today's show I'm joined by Leanne Jopson, National Director of Property Management at Metropole. Leanne's been at the coalface of this transformation, and today she'll reveal how the role of property managers has shifted, what changes are still coming down the pipeline, and what smart investors need to be thinking about to future-proof their portfolios. And while this might sound like an episode just for landlords, I promise you—it's more than that. Whether you own one property or a dozen, what we discuss today could save you thousands and help you sleep a lot better at night.   Takeaways  ·         The role of property managers has evolved significantly in recent years. ·         Legislative changes have increased compliance requirements for landlords. ·         Tenants are now more informed and have higher expectations. ·         Technology is reshaping property management practices. ·         Outdoor space has become a priority for tenants post-COVID. ·         Landlords are increasingly focused on meeting minimum housing standards. ·         Property management is now viewed as strategic asset management. ·         Future-proofing investments is essential for landlords. ·         Building relationships with tenants is crucial for retention. ·         Understanding market trends is vital for successful property management.   Chapters  02:10 The Changing Landscape of Property Investment 04:54 Legislative Changes Impacting Property Management 07:35 The Role of Technology in Property Management 09:49 Evolving Expectations of Tenants and Landlords 12:30 The Impact of Work-from-Home on Property Demand 19:02 Future Trends in Property Management 22:45 Preparing for the Future of Property Investment   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 2025 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 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. 

If you've ever felt like you're playing a game of property monopoly in Australia, but someone else got to pass “Go” decades before you and now owns half the board, you're not imagining it. That “someone else”? It's the Baby Boomers. They've won the property game in Australia. Not just because they got in early, but because the rules of the game have increasingly worked in their favour, at the expense of younger generations. Today leading demographer Simon Kuestenmacher and I chat about whether the Baby Boomers really did have it easier or not, as well as how younger generations can catch up and build their own property wealth as well as how younger generations can catch up and build their own property wealth. We also discuss the impact of debt, changing cultural expectations regarding home ownership, and the challenges faced by Generation X.   Takeaways  ·         Baby boomers have a significant advantage in property ownership. ·         Younger generations face higher debt levels than baby boomers. ·         Cultural expectations around home ownership have shifted dramatically. ·         The Bank of Mum and Dad plays a crucial role in helping younger buyers. ·         Rent vesting is becoming a popular strategy for young investors. ·         Generation X is squeezed between supporting their children and aging parents. ·         Policymakers need to consider strategies to make housing more affordable. ·         Long-term strategies and education are key for younger generations. ·         Every generation faces unique challenges based on their historical context. ·         Wealth transfer from baby boomers to younger generations is significant.   Chapters  01:55 Introduction to Generational Wealth Dynamics 02:49 Wealth Distribution and Baby Boomers 06:35 Challenges for Younger Generations 12:31 Cultural Shifts and Housing Expectations 17:01 The Squeeze on Generation X 20:36 Emerging Trends: Rent Vesting 22:18 Policy Recommendations for Future Generations   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 2025 and beyond   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 our 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 talk about something that's really flying under the radar—but it shouldn't be. Imagine being taxed on money you haven't actually earned. Not on rent you've received, not on a capital gain you've banked, but just on the increase in value of an asset you still hold. Sounds crazy, right? Well, that's exactly what the federal government's proposed new tax on superannuation above $3 million aims to do—taxing unrealised capital gains. And while they say it'll only affect a handful of wealthy Australians today, the truth is—because that $3 million cap isn't indexed to inflation—it could very well affect many, many more of us tomorrow. Worse still, it sets a precedent. If the government can tax you on unrealised gains in your super, what's to stop them doing the same outside of super? To your investment property? Your business? Your share portfolio? So today, I've chat with Ken Raiss, Director of Metropole Wealth Advisory and Australia's leading property taxation strategist. We unpack exactly what this policy means, why it matters far more than most people think, and what smart investors should be doing now to prepare. Trust me—this episode isn't just about super. It's about the future of taxation in Australia. And whether you're a seasoned investor or just planning your financial future, you need to understand what's really going on. Takeaways  ·         The proposed tax on superannuation targets unrealised profits. ·         This tax could affect more Australians than initially stated. ·         Investors need to be aware of the implications of taxing unrealised gains. ·         The new tax policy may create a complex valuation process for assets. ·         Property investors may face increased financial burdens as a result of this tax. ·         Seeking expert financial advice is crucial in navigating these changes. ·         The tax system's integrity is at stake with these new policies. ·         Long-term planning is essential for adapting to tax changes. ·         Investors should consider alternative investment strategies outside of superannuation. ·         The proposed tax could set a precedent for future taxation policies. Chapters  00:00 Introduction to Proposed Tax Changes 04:34 Understanding the Tax on Unrealized Gains 06:59 Implications for Future Generations 09:15 The Complexity of Valuation and Taxation 11:57 Fairness and Exemptions in Taxation 14:26 Investor Confidence and Market Reactions 16:57 Strategies for Wealth Management 19:36 The Role of Professional Advice 22:12 Future Taxation Trends and Concerns Links and Resources: 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/

Have you ever wondered if property development could be your next big wealth accelerator? You've probably heard the success stories – investors who've turned modest sites into multimillion-dollar assets by building just two townhouses.  But what you don't often hear about are the sleepless nights, the missteps, the cost overruns, the unexpected council headaches, or the “learning experiences” that chew up profit and time. Today, I'm joined by Greg Hankinson – Director of Metropole's Project Development Division. Greg has almost 3 decades of experience managing hundreds of successful small to medium-scale projects. Just to make things clear… what are we going to be discussing today isn't about becoming a full-time developer. It's about how smart investors are adding a powerful strategy to their portfolio – one that's backed by professionals who've done it hundreds of times before. So whether you're looking to build wealth faster, reduce your reliance on market growth, or just explore what's possible beyond buying and holding, this episode is packed with insights you won't want to miss.   Takeaways  ·         Property development can be a game changer for wealth creation. ·         Understanding the current market dynamics is crucial for investors. ·         Planning and preliminary research are essential for successful developments. ·         Development finance differs significantly from traditional home financing. ·         Identifying suitable development sites requires thorough due diligence. ·         Designing properties to meet market demand is key to maximizing returns. ·         Having the right team of experts can significantly impact project outcomes. ·         Contingency planning is vital to manage unexpected costs during development. ·         Common mistakes include misunderstanding development finance and costs. ·         Long-term holding of developed properties can lead to greater financial benefits.   Chapters 01:50 Introduction to Property Development 03:10 The Appeal of Townhouse Developments 05:18 Understanding Market Demand and Supply 07:19 Planning and Strategy in Development 11:22 Navigating the Property Cycle 12:46 Criteria for Development Sites 15:52 Budgeting and Cost Management 18:10 Building the Right Team 19:37 Designing for the Market 21:40 Common Mistakes in Property Development   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 2025 and beyond   Join us at the Ultimate Property Development Workshop in Sydney on 19th July Click here for all the details https://realestateworkshop.com.au/  Greg Hankinson -  Director, Metropole Constructions  Interested in getting involved at the “wholesale” end of the property market? We'll help you become a property developer. Click here and find out how. https://metropole.com.au/develop/   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   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.

Imagine this… You've got a strong property portfolio, you're working hard, and the market is looking good. Then – boom – life throws you a curveball. Maybe it's a job loss, a health issue, or a tenant stops paying rent for months. What now? Most investors panic. But the savvy ones? They just lean on their financial buffer – a quiet little fund sitting in the background that buys them something more valuable than money: time. In this podcast episode of the Michael Yardney Podcast, Brett Warren and I discuss the critical importance for property investors of having a financial buffer.   We explore how a financial buffer can provide peace of mind, protect against unexpected expenses, and allow investors to navigate financial challenges without panic.   Through real-life examples and case studies, we illustrate the benefits of maintaining a buffer and offer strategies for building one effectively.   Takeaways  ·         A financial buffer is essential for property investors. ·         Buffers provide peace of mind during financial uncertainty. ·         Unexpected expenses can arise, making a buffer crucial. ·         Building a buffer gradually is a smart strategy. ·         Financial planning helps identify the right buffer amount. ·         Real-life examples show the effectiveness of buffers. ·         Buffers can prevent the need to sell assets in tough times. ·         Investors should prioritize creating a buffer before market shocks. ·         Having a buffer allows for better decision-making during crises. ·         It's important to reassess and rebuild buffers regularly. Chapters  00:00 The Importance of a Financial Buffer 04:08 Examples of Financial Buffer Importance 10:32 Practical Strategies for Building a Buffer 18:11 Real-Life Examples of Buffers in Action Links and Resources: 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 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.

While most of us want to become rich and successful, it's really not as easy as many suggest on social media. In today's show Tom Corley and I explain why building wealth is a two-step process and the requirements to not only build wealth, but retain wealth. Takeaways The easiest way to grow wealth in Australia is through residential real estate. Becoming rich involves a two-step process: accumulating wealth and maintaining it. Daily growth habits, such as reading and self-education, are crucial for success. Building rich relationships can significantly impact your journey to wealth. Avoid spontaneous purchases to maintain financial discipline. Isolate a portion of your wealth for retirement planning. Wealth management requires a team of experts, including financial advisors and tax experts. The habits to get rich differ from those needed to stay rich. Mentorship is vital; seek mentors who are two levels above you. Wealth is a journey that requires continuous learning and adaptation. The world doesn't owe you anything; take responsibility. We owe the world our talents and efforts. Chapters 00:00 The Two-Step Process to Wealth 03:59 Habits for Accumulating Wealth 06:43 Daily Growth and Relationship Building 09:41 Persistence, Patience, and Risk-Taking 12:21 Controlling Emotions and Building Teams 15:02 Mentorship and Learning from Others 17:58 Maintaining Wealth and Smart Spending 20:46 Investing Wisely and Planning for Retirement 23:20 The Importance of Expert Guidance 25:54 A New Beginning: Imagining Life Anew 29:59 Embracing the Present: Letting Go of the Past Links and Resources:   Michael Yardney  - Subscribe to my daily Property Update newsletter    Metropole's Strategic Property Plan – to help both beginning and experienced investors    Subscribe to Tom Corley's daily blog here.    Order your copy of Rich Habits, Poor Habits here    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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 or watching this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: What the rich won't tell you. The truth behind building massive wealth | Tom Corley 

Are Melbourne apartments the most underrated investment opportunity for 2025? For years now, investors and homebuyers alike have steered clear of Melbourne apartments—especially those in high-density towers—fearing oversupply, poor quality builds, and lacklustre capital growth. But what if that narrative is outdated? What if the very segment that's been overlooked is now poised for a significant turnaround? In today's show, I'm joined by Stuart Wemyss, to explore a bold yet data-backed prediction: Melbourne investment-grade apartments are about to enter a period of strong capital growth. We'll unpack the economic, demographic, and market forces that are aligning to reshape this sector, from soaring house prices and increased rental demand, to limited new supply and a shift in buyer preferences. So if you've ever dismissed Melbourne apartments as second-tier investments, this conversation may just change your mind.   Takeaways  ·         We're entering a rare window of opportunity. ·         Melbourne apartments are going to increase in value. ·         Don't be the one who hesitates. ·         The IKEA effect explains our investment choices. ·         Not all apartments make good investments. ·         Investment grade apartments have strong land value. ·         The price gap between houses and apartments is closing. ·         The government is boosting first home buyer grants. ·         There's a supply shortage in the apartment market. ·         Melbourne apartments are the most underrated investment opportunity.   Chapters  01:33 Introduction to Investment Opportunities in Melbourne Apartments 04:20 Understanding Investment Grade vs. Investment Stock 07:00 The Impact of Supply and Demand on Apartment Prices 09:42 Government Incentives and Their Effects on the Market 12:45 Market Trends and Future Predictions for Melbourne Apartments 15:37 The Role of Interest Rates and Borrowing Capacity 18:10 Historical Performance and Market Cycles 20:55 Conclusion   Links and Resources:   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  Stuart Wemyss – Prosolution Private Clients 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.

Imagine a Melbourne the size of New York City. Yes, really.That's the trajectory we're on. By 2050, Melbourne's population is projected to swell to 9 million people, making it not just Australia's biggest city by population, but potentially one of the most dynamic urban economies in the world. This isn't some abstract urban planning fantasy—it's based on official projections and a strategic blueprint - Plan Melbourne -  backed by trends in migration, births, and economic transformation. So what does this mean for our housing market—and for savvy investors? In today's podcast, Brett Warren and I discuss the changing landscape of Melbourne's property market, driven by significant population growth and urban planning initiatives.   We explore the implications of these changes for property investors, emphasizing the importance of understanding infrastructure developments, the concept of 20-minute neighborhoods, and the need for medium density housing.   Takeaways  ·         Melbourne's population is projected to reach 9 million by 2050. ·         Infrastructure development is crucial for property growth. ·         20-minute neighbourhoods will enhance livability and property values. ·         Investors should focus on areas with strong fundamentals. ·         Medium density housing is essential for accommodating growth. ·         Understanding local council regulations is key for development. ·         Investors should seek properties with owner-occupier appeal. ·         Long-term investment strategies are vital for success. ·         Now is a prime time for property investment in Melbourne.   Chapters  00:00 Melbourne's Population Boom: A New Era 00:29 Implications for Property Investors 01:22 Melbourne's Population Surge 04:06 The Impact of Migration on Melbourne 06:57 Infrastructure and Urban Planning Challenges 09:46 The Concept of 20-Minute Neighborhoods 12:33 Game-Changing Infrastructure Projects 15:22 Medium Density Housing Solutions 18:04 Investment Opportunities in Melbourne 20:46 Long-Term Investment Strategies 23:36 Avoiding Common Investment Mistakes   Links and Resources: 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 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.

Interest rates are falling again. After years of rate hikes, mortgage stress, and a cooling economy, the RBA has now dropped interest rates for the second time this cycle and there are more rate cuts to come. But what does this actually mean? Is the worst behind us—or is this a sign of deeper cracks in the economy? In today's Big Picture episode, I'm joined again by leading financial commentator Pete Wargent as we unpack the macroeconomic forces shaping our housing markets and the financial outlook for Australians. Of course, the headline is the Reserve Bank's decision to cut rates on May 20. But there's so much more going on behind the scenes—consumer spending is tanking, the construction sector is in crisis, our population is booming while new housing approvals are plummeting, and unemployment is quietly starting to rise. We also explore whether this rate cut will fire up another round of property price growth, how investors are likely to respond, and whether inflation could make an unwelcome return. Plus, we'll take a step back and look at the global context—what's happening with the US Federal Reserve, China's economy, and what all of this means for you as a property investor, business owner, or just someone trying to make sense of the chaos. So whether you're wondering if now is the right time to buy property, refinance, or simply want to stay ahead of the curve, you're in the right place.   Takeaways  ·         Market signals indicate a turning point in property investment. ·         Falling interest rates are expected to boost consumer confidence. ·         The narrative we tell ourselves can limit our potential. ·         First home buyers are likely to enter the market soon. ·         Melbourne's population growth poses significant infrastructure challenges. ·         Consumer confidence is crucial for property market recovery. ·         The housing market is facing a significant shortage of supply. ·         Government policies need to align with housing demand. ·         Long-term investment strategies are essential for success. ·         Understanding market trends is key to making informed decisions.   Chapters    00:00 Global Economic Trends and Interest Rates 04:40 Impact of Interest Rate Cuts on Consumer Confidence 10:17 Investor Loans and Market Indicators 15:35 Consumer Confidence and Economic Resilience 18:32 Challenges in Housing Supply and Development 23:48 The Future of Rental Markets and Social Housing 31:50 The Turning Point in Property Investment   Links and Resources:   Metropole's Strategic Property Plan – to help both beginning and experienced investors Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Pete Wargent's blog Pete Wargent's new book, The Buy Right Approach to Property Investing Pete's other book – The New Wealth Way 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.

With tax season just around the corner and property investors constantly navigating a shifting taxation landscape, it's never been more important to stay one step ahead of the taxman. Whether you're a seasoned investor with a sizable portfolio or just starting out with your first rental, the rules are changing—and some of these changes are flying under the radar. In today's episode of the Michael Yardney Podcast, I'm joined by my business partner, Ken Raiss, Director of Metropole Wealth Advisory and one of Australia's leading property tax strategists. Ken's got his finger on the pulse of what's really happening behind the scenes with the ATO—and he's here to share how recent tax changes could hit your hip pocket. This episode serves as a guide for investors to navigate the challenges of property investment while maximising their wealth.     Takeaways  The ATO is increasingly using technology for tax compliance. Property investors must be aware of recent tax changes. State taxes significantly impact property costs. Investors often overlook the importance of record-keeping. Common mistakes include misclassifying personal expenses as investment-related. Strategic advisors can provide valuable insights for property investors. Trust structures require careful setup to avoid tax issues. Joint ownership can lead to complications in property management. Understanding tax compliance is crucial for long-term investment success. There is no such thing as 'later' in achieving success.   Chapters  00:00 Navigating the Tax Landscape for Property Investors 01:47 Understanding Recent Tax Changes and Compliance Risks 09:42 Challenges for Property Investors 24:03 Challenges with Family Property 29:20 Investor Mistakes 36:22 Introduction to Property Wealth Strategies 38:01 Michael's Mindset Message   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 Ken Raiss, Director of Metropole Wealth Advisory Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my new 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 election already feels like old news. The campaign ads are off the air, the polling booths are packed away, and the headlines have moved on to the next big story. But make no mistake—what happened at the ballot box is going to shape our property markets for years to come. In this episode of the Michael Yardney Podcast, we unpack exactly what the recent election results mean for you as a property investor, homeowner, or aspiring buyer. After Wealth Retreat a couple of weeks ago Brett Warren, National Director of Property at Metropole, took demographer Simon Kuestenmacher and me aside and we had a conversation about what the election outcome and what this tells us about the direction of housing policy, population growth, infrastructure, and the property investment landscape.   Takeaways    ·         The outcome of recent political shifts will significantly influence property markets. ·         Government schemes may boost short-term demand but worsen long-term affordability. ·         Demographic shifts and immigration are critical factors in housing demand. ·         There is a critical shortage of tradespeople affecting housing supply. ·         Investors play a vital role in providing rental accommodation. ·         The second half of the year may present opportunities for savvy investors. ·         Current policies may not lead to substantial changes in housing availability. ·         The need for skilled labor is urgent in the construction industry. ·         Local councils play a crucial role in housing development decisions. ·         A balanced mindset is essential for long-term success in life and investment.   Chapters  00:00 Policy Changes and Real Estate Implications 03:02 Government Policies and Housing Demand 05:57 Demographics and Migration Impact on Housing 09:02 Supply Challenges in the Housing Market 11:59 The Need for Skilled Labor and Training 15:07 Investor Perspectives and Market Opportunities 17:59 Future Outlook for Property Investors 21:49 Mindset and Life Balance   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    Brett Warren – National Director Property – Metropole   Simon Kuestenmacher – co founder of the Demographics Group   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my new 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 show Simon Kuestenmacher and I discuss a topic that won't stay out of the news this year with the federal election coming up — house prices. Whether they're climbing to new heights or stabilising, the property market has ripple effects that impact us all. But here's the big question we discuss today: When house prices are high, are there more winners or losers? Takeaways ·        The Australian housing market has historically created more winners than losers. ·        Government policies often favor those already owning property, making it harder for first-time home buyers. ·        High property prices benefit a wide range of stakeholders, including banks and developers. ·        First home buyer grants tend to inadvertently drive up house prices. ·        Younger voters are increasingly disillusioned with major political parties due to housing policies. ·        The widening wealth gap is creating social unrest among younger generations. ·        Immigration policies need to be re-evaluated to ensure housing affordability for all. ·        Political parties must balance the interests of homeowners and renters to maintain stability. ·        There is a need for more transparent discussions about housing affordability. ·        The future of housing affordability will depend on effective government action and policy changes. Chapters 00:00 The Impact of Rising House Prices 07:54 Winners and Losers in the Property Market 13:53 Political Dynamics and Housing Policy 19:50 The Role of Migration in Housing Affordability 25:45 Future Directions for Housing Policy 32:58 Introduction to Immersive Experiences 35:46 Defining Immersive Experiences 37:29 The Impact of Immersive Experiences on Growth 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 Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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. Shownotes plus more here: The Upside of Upmarkets: Winners and Losers in the Property Game? With Simon Kuestenmacher   

When it comes to property investing, the noise from the financial media can be deafening. But how much of what they say is really worth your attention? There are many commonly held beliefs about property investing that aren't only questionable but are also utterly false. Sadly, some investors go through their entire property journey believing them. And that's a shame. They waste precious time buying the wrong property or using faulty strategies because they listened to bad advice. So in today's show Brett Warren and I discuss the myths perpetuated by financial media, and the role of property investors in the Australian economy.     Takeaways  The financial media often misrepresents property investment. Investors are typically everyday people, not greedy. Property investment requires a long-term perspective. Cash flow is important, but capital growth is essential. A strategic plan is crucial for successful investing. Fear-based media can hinder investment decisions. Independent advice is valuable and often necessary. Understanding market cycles is vital for investors. Experience in property investment is irreplaceable.   Chapters  00:00 The Role of Property Investors in Australia 07:31 Understanding Property Cycles and Long-Term Investing 14:06 The Importance of a Strategic Plan 19:43 Navigating the Media Landscape 25:17 The Value of Experience and Mentorship 29:11 The Importance of Preparedness 31:49 Embracing Uncertainty and Opportunity   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   Brett Warren - National Director of Property at Metropole   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, Tom Corley and I chat about a recent blog he wrote called “Everything you need to know about becoming a multimillionaire”, so if that interests you, I'm sure you're going to enjoy my chat with Tom. Takeaways There are 4 pathways to wealth and we break these down for you Becoming wealthy is really, really hard - but they are things you can do to tip the scales in your favour. Becoming wealthy takes time and requires luck. Wealth creation requires a clear vision and planning. Wealth creation is not just about money, but about personal growth. Health is crucial for long-term wealth. Optimism enhances energy and focus. Finding the right mentors is essential for success. Persistence is key to attracting opportunities. Relationships can significantly impact financial success. The world doesn't owe you anything; take responsibility. We owe the world our talents and efforts. Chapters 03:49 The Hard Path to Wealth 05:44 Four Paths to Wealth 07:47 The Role of Luck in Wealth Building 09:11 The Importance of Relationships 09:55 Vision and Planning for Wealth 11:19 The Impact of Relationships on Wealth 13:30 Health and Wealth 15:01 The Power of Sleep 16:35 Optimism and Wealth 17:54 Finding the Right Mentor 20:53 Introduction to Wealth Creation and Transformation 23:15 The Importance of Immersive Learning Experiences 23:32 The Harsh Reality of Entitlement 26:19 Taking Responsibility for Your Financial Future 27:14 The Impact of Parenting on Mindset Links and Resources:     Michael Yardney  - Subscribe to my daily Property Update newsletter    Metropole's Strategic Property Plan – to help both beginning and experienced investors    Subscribe to Tom Corley's daily blog here.    Order your copy of Rich Habits, Poor Habits here    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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 or watching this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Can These Simple Habits Really Make You a Millionaire? Find Out! | Tom Corley

It's certainly been a big week in Australia—with the Labor Party securing another term in government following the federal election, there's plenty of speculation about what that might mean for our economy, interest rates, and of course, the property markets. So today, before we dive into the latest data and trends, I unpack what this election result could mean for property investors, homebuyers, and renters across the country, and what the likely implications are for inflation, interest rates, and affordability? And to help make sense of it all, I'm joined by, Dr. Andrew Wilson Chief Economist at My Housing Market. We'll also discuss the latest inflation numbers, which are finally within the RBA's target range. But will that be enough to prompt a rate cut anytime soon? As well as what's happening in the rental markets, which eased slightly in April—but are tipped to tighten again in May. So if you're looking for the data behind the headlines—and what it all means for your property decisions, this is going to be a jam-packed episode for you.     Takeaways  ·         The Labor Party's election win will worsen the housing crisis. ·         The government's policies are primarily demand-side solutions without addressing supply issues. ·         First home buyer incentives will lead to higher property prices. ·         Inflation and interest rates are both falling. ·         The construction industry faces significant challenges in meeting housing demand. ·         Immigration policies will further strain the already undersupplied housing market. ·         Strategic investment in property is essential for long-term success. ·         The current market presents a window of opportunity for investors. ·         The rental market is experiencing increased vacancy rates due to seasonal factors. ·         Auction clearance rates indicate a potential recovery in the Melbourne housing market.     Chapters  02:16 Election Results and Housing Crisis Overview 05:04 Labor's Housing Policies: Good Intentions, Poor Outcomes 07:54 Immigration and Housing Demand: A Growing Concern 11:12 Supply-Side Solutions: Insufficient and Slow 13:59 The Two-Speed Housing Market: Implications for Buyers 16:51 Opportunities for Investors in a Changing Market 20:13 Introduction to Real Estate Investment 20:14 Understanding Market Trends and Analysis 23:00 Inflation, Housing Market and Oil Prices 28:20 Rental Markets Situation 32:20 Auction Results Analysis   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 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 podcast, Aaron Christie-David and I delve into the intricacies of successful property investment, emphasising the importance of mindset, financial education, and strategic planning.     We discuss the current property cycle, the role of strategic mortgage brokers, and how to improve your borrowing capacity while managing your cash flow.     Takeaways  The property market is entering a new phase as interest rates will continue to fall.  The long-term fundamentals will drive property values up over the next few years but there will be ongoing challenges..  Taking control of your financial future is essential, the government won't look after you in your golden years..  The right mindset is crucial for successful investing.  Financial education is often lacking in Australia.  Investors need to manage cash flow effectively.  Choosing the right mortgage broker can impact success.  Borrowing capacity can be increased with strategic planning.  Lifestyle choices can hinder investment potential.  Investing requires grit and the ability to hold on.  Chapters  00:00 Introduction to Financial Freedom  04:00 The Importance of Mindset in Investing  06:55 Understanding Borrowing Capacity  09:41 The Role of Mortgage Brokers  12:06 Strategies for Increasing Borrowing Capacity  14:46 Navigating Cash Flow Challenges  17:33 Long-Term Investment Strategies  20:07 The Impact of Lifestyle on Investment  22:59 Scaling Investments Amidst Economic Challenges  25:35 Fundamentals of Property Investment  28:17 Taking Control of Your Financial Future   Links and Resources:       Michael Yardney  - Subscribe to my daily Property Update newsletter     Metropole's Strategic Property Plan – to help both beginning and experienced investors     Aaron Christie-David co-founder of Atelier Wealth his podcast is The Australian Property Podcast     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 or watching this podcast and subscribe so each week we can unveil the trends shaping your future. 

Welcome to another episode of the Michael Yardney Podcast. Now let me ask you… have you felt like the sky is falling lately? Between confusion about interest rates, scary headlines, rollercoaster stock prices and continued uncertainty in the property markets, it's no wonder so many investors are feeling rattled right now. But here's the thing—this kind of volatility isn't new. It's just loud. And if you listen too closely to the noise, it can shake your confidence, cloud your judgment, and lead you to make the wrong move at the wrong time. So today, I've got something a little different for you—a real heavyweight conversation. I'm bringing together two very different investing worlds—property and shares—and joining me is the brilliant Louise Bedford. She's a bestselling author, a trading mentor, and one of Australia's most respected voices in the share trading space. Louise and I are going to dive deep into the psychology of investing—what really happens in our minds when the markets get messy, why fear and greed are such powerful forces, and how to stay calm, confident, and profitable even when it feels like everything is working against you. This isn't just another chat about what the market's doing. It's about what you should be doing—and more importantly, thinking—when things feel out of control.   Takeaways • Market volatility is not new; it's just more pronounced now. • Investors often react emotionally during downturns, leading to poor decisions. • Long-term investors see market dips as opportunities. • A solid investment strategy is crucial for success. • Grounding techniques can help manage emotional responses. • Recognizing personal triggers is key to maintaining control. • Diversifying information sources can combat confirmation bias. • Staying calm during market panic is essential for making rational decisions. • Building resilience is vital for navigating investment challenges. • Life is about constant change; our attitudes shape our outcomes.   Chapters 00:00 Navigating Market Volatility 01:03 The Psychology of Investing 02:13 Navigating Market Volatility 05:10 Understanding Investor Psychology 08:19 Identifying Opportunities in Uncertain Times 11:17 The Importance of Long-Term Thinking 14:19 Strategies to Combat Fear and Noise 16:59 Grounding Techniques for Traders 20:10 Staying Calm Amidst Market Chaos 23:20 Recognizing Personal Triggers 26:13 The 5-4-3-2-1 Grounding Technique 29:13 Embracing Your Inner Investor 32:02 Final Thoughts and Actionable Steps 39:03 The Power of Attitude and Change   Links and Resources: Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  We help both beginning and experienced investors   Louise Bedford - The Trading Game   Louise's new book Investing Psychology Secrets   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.

After all these years in property, I'm still surprised at how some investors decide which property to buy, however it doesn't really surprise me why so many don't get past their first or second property. You see… many buy for emotional reasons, and while others think they're investing in property, for some, they're really speculating.  In today's show episode, I discuss common mistakes in property investment with Brett Warren, focusing on the dangers of hot-spotting.   We emphasise the importance of long-term strategies, economic fundamentals, and the need for a solid investment plan. Our conversation highlights the risks of following trends and the necessity of understanding market dynamics to build a sustainable property portfolio.   Takeaways  Investing in hotspots is often a form of speculation. Long-term strategies are essential for successful property investment. Economic fundamentals drive property value growth. Owner-occupiers play a crucial role in the property market. Avoid following the crowd; focus on informed decisions. A solid investment plan is necessary for long-term success. Understanding market dynamics is key to navigating risks. Investing should be based on facts, not opinions. The media often overlooks critical insights about property investing.   Chapters  00:00 Understanding Property Investment vs. Speculation 04:26 The Risks of Hotspotting in Real Estate 06:54 Long-Term Strategies for Successful Investing 09:42 The Importance of Economic Fundamentals 12:23 Demographics and Their Impact on Property Markets 15:26 Navigating the Property Investment Landscape 18:02 Avoiding Common Pitfalls in Property Investment 20:37 Creating a Sustainable Investment Plan 23:31 The Role of Owner-Occupiers in Market Stability 26:13 Looking Ahead: Media Influence on Property Decisions 26:19 Navigating the Changing Property Market 28:05 Investment Strategies for Long-Term Growth 28:29 Understanding the Spotlight Effect 31:04 Consequences of the Spotlight Effect   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 Brett Warren - National Director of Property at Metropole 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 podcast, Stuart Wemyss and I discuss the complexities of managing underperforming property investments, and how to decide when and if you should sell your property .  We explore everything from the emotional traps that can cloud our judgment to strategic considerations like tax implications and portfolio rebalancing.  Takeaways  Investing is a long-term journey, often taking decades to develop financial independence.  The quality of your asset is crucial for long-term returns.  Benchmarking performance relative to market conditions is essential.  Market cycles can significantly affect property values.  Recognising a poor investment is a brave but necessary step   Emotional decisions can cloud your judgment  Patience is key; sometimes waiting is the best strategy.  Tax implications should be considered when selling assets.  Holistic financial advice can optimise investment strategies.  Replacement assets can provide a strategic way to manage underperforming investments.  If you find yourself digging a hole, stop.  Sometimes the right thing to do is nothing.  Chapters  01:06 Understanding Underperforming Investments  10:42 The Importance of Patience in Investing  20:19 Evaluating Investment Decisions and Timing  28:09 Holistic Investment Strategies and Seeking Advice  28:14 Introduction to Wealth Retreat 2025  29:44 The Importance of Quick Decision Making in Property Investment  31:26 The Long Journey to Wealth  32:51 Building a Legacy of Wealth  33:38 Understanding Market Trends and Analysis    Links and Resources:       Michael Yardney  Stuart Wemyss – Prosolution Private Clients     Stuart's Book – Rules of the Lending Game & Investopoly     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us     Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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. 

There's an old Chinese saying “I wish that you live in interesting times.” The irony of this is that “interesting times” are often times of trouble or turmoil, making the phrase more like a curse and boy are we living in interesting times at the moment with Trumps Tariffs creating fear around the world.  It reminds me of the early days of covert when people were uncertain what was ahead. In this “Big Picture” episode of the Michael Yardney Podcast, Pete Wargent and I discuss the current economic climate and its impact on the property markets. making in property investment.   Takeaways    The current economic climate is volatile and affects property investment. Interest rates are expected to drop and this will positively impacting the housing market. Government policies are influencing housing affordability and supply and will only push prices higher. Household wealth in Australia has reached unprecedented levels, but disparities exist. The gap between the haves and have nots is widening in Australia. Foreign investment plays a crucial role in the housing market. Cybersecurity is increasingly important for financial safety. Understanding market dynamics can help investors make informed decisions. Investors should remain calm and not react to daily headlines.   Chapters  00:00 Navigating Market Chaos 04:12 Interest Rates and Economic Impacts 07:09 Household Wealth and Economic Disparities 09:59 Housing Market Dynamics 12:35 Government Policies and Housing Supply 15:37 The Role of Foreign Investment 18:11 Cybersecurity and Financial Safety 20:58 Education and Property Investment Strategies 31:43 Navigating Interesting Times 36:01 Introduction to Real Estate Investment 36:02 Understanding Market Trends   Links and Resources: Metropole's Strategic Property Plan – to help both beginning and experienced investors Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Pete Wargent's blog Pete Wargent's new book, The Buy Right Approach to Property Investing Pete's other book – The New Wealth Way 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 episode of the Michael Yardney podcast, I discuss the current state of the housing market with Dr. Nicola Powell, Chief of Research and Economics. We explore the impact of federal elections on housing predictions, the effects of political uncertainty, and the concept of Solomon's Paradox in decision-making.  Our conversation also delves into the differences in housing policies between political parties, the ongoing supply and demand issues in the market, and the opportunities available in established properties. The episode concludes with insights on market trends and the importance of making property decisions based on personal circumstances rather than external noise.  Takeaways: The housing market is influenced by federal elections. Rate cuts can improve buyer sentiment and inquiry. Solomon's Paradox highlights our decision-making flaws. Political uncertainty can delay property transactions. Auction outcomes can be surprisingly positive on election days. Labour governments tend to support first home buyers more. Supply issues are a significant challenge in the housing market. Established properties are often undervalued compared to new builds. Market cycles will continue despite political changes. Personal circumstances should guide property investment decisions. Chapters: 00:00 Understanding Election Impacts on Housing Markets01:15 Current Housing Market Dynamics06:13 Myths Surrounding Elections and Housing11:03 Political Uncertainty and Its Impact15:49 Government Policies and Housing Supply20:13 Future Trends in the Housing Market Links and Resources:   Michael Yardney - https://propertyupdate.com.au/michael-yardney/ Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us - https://investor.metropole.com.au/strategic-property-plan/ Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People - www.WealthRetreat.com.au  Dr. Nicola Powell, Chief of Research and Economics at Domain. Get a bundle of free reports and eBooks – www.PodcastBonus.com.au  Also, please subscribe to my new 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 episode of the Michael Yardney podcast, I discuss the intricacies of property investment and finance with expert Hung Chuy. We explore the importance of mindset, the role of brokers, and the complexities of managing a property portfolio.   Key topics include understanding interest rates, debt recycling, and the unique challenges of commercial property financing. The conversation emphasizes the need for strategic financial planning and the benefits of using multiple lenders to maximize investment opportunities.   Takeaways  Property investment is fundamentally a finance game. The first arrow represents unavoidable pain, while the second arrow is our response to it. Choosing the right broker can significantly impact your investment success. Interest rates are important, but flexibility in borrowing is crucial. Debt recycling can help turn non-deductible debt into tax-deductible debt. Managing a property portfolio requires careful planning and strategy. Commercial property financing involves more complexities than residential financing. Self-managed super funds have specific borrowing criteria that differ from personal loans. Using multiple lenders can provide better opportunities for equity and borrowing. Mindset plays a critical role in navigating financial challenges. Chapters  00:00 Understanding the Current Finance Landscape00:28 Strategies to Attract Bank Approval01:25 Introduction to Financial Expertise04:11 Understanding the Role of Brokers06:10 Navigating Lending Policies and Borrowing Capacity08:53 Risk Management Strategies in Financing11:36 Managing Property Portfolios Effectively14:25 Exploring Development and Commercial Finance17:08 Debt Recycling and Offsetting Strategies19:48 The Importance of Strategic Planning in Finance22:26 Conclusion and Future Opportunities34:01 Understanding Market Trends and Analysis  Links and Resources:   Michael Yardney - http://michaelyardney.com/ Get the team at Metropole to help build your personal Strategic Property Plan - https://investor.metropole.com.au/strategic-property-plan/clkg/https/investor.metropole.com.au/strategic-property-plan-enquiry/ Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au   Hung Chuy – Founder and Director of Strategic Brokers - https://www.strategicbroker.com.au/our-team/hung-chuy/ 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.

Despite predictions of a downturn, Australia's housing market continued to strengthen, with national house prices rising by 1.0% in March, building on earlier gains from February. In today's show Dr. Andrew Wilson explains how capital city rental markets have tightened further, with vacancy rates either falling or remaining at historically low levels, pushing rents upwards. We also discuss how following Trump's announcement of tariffs, market expectations shifted significantly, suggesting a 90% chance of a rate cut in May. Takeaways    ·         Australia's housing market is showing signs of recovery with rising prices. ·         Rental markets are tightening again after a period of easing. ·         Vacancy rates are approaching record lows, indicating strong demand. ·         Affordability barriers may limit rental growth despite high demand. ·         Economic factors, including interest rates and tariffs, are influencing market sentiment. ·         The auction market is expected to see increased activity leading up to Easter. ·         Melbourne's rental market is showing signs of improvement after a downturn. ·         International student intake has affected the unit rental market. ·         Long-term investment strategies are essential for success in property. ·         Market sentiment can significantly impact economic performance.     Chapters  00:00 Overview of Australia's Housing Market Trends 02:09 Current State of Rental Markets 07:59 Analysis of House and Unit Rentals 13:47 Impact of Economic Factors on Housing 20:02 Auction Market Insights and Future Predictions 24:06 Conclusion and Key Takeaways   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 Dr. Andrew Wilson – Chief Economist My Housing Market Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.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.

It's a question that echoes through conversations among frustrated Australians, especially younger generations who find themselves priced out of the housing market: Is this all a Ponzi scheme? The surge in property prices has not only locked out many potential first-time home buyers but has also sparked a fiery debate about the sustainability and ethics of our housing economy, likening our housing markets to a speculative Ponzi scheme. Is this really true? That's what Brett Warren and I discuss in this episode of The Michael Yardney Podcast. Takeaways The housing market is often misunderstood by younger generations. Owner-occupiers make up a significant portion of the market. Ponzi schemes involve fraudulent investment practices, unlike the housing market. Speculation can lead to market instability, but owner-occupiers provide stability to our hosuing markets. Understanding market fundamentals is essential for successful investing. The current market is not in a bubble, but cyclical fluctuations exist. Investing should be approached with a long-term perspective. Having a strategic plan is vital for navigating the property market. Demographics play a key role in shaping market trends. Chapters 00:00 Understanding the Housing Market and Ponzi Scheme Comparisons 04:19 Defining Ponzi Schemes and Their Characteristics 06:59 Frustrations of Young Australians in the Housing Market 09:46 The Role of Owner-Occupiers in the Housing Market 12:42 Are We in a Housing Bubble? 15:36 Speculative Markets and Their Risks 18:21 Long-Term Investment Strategies in Real Estate 21:08 The Importance of Strategic Planning in Property Investment 24:46 Your Most Valuable Asset 27:30 The Importance of Time Management 30:45 Wealth Retreat: Investing in Yourself 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    Brett Warren - National Director of Property at Metropole    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.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.     Shownotes plus more here: Are our property markets really just a Ponzi Scheme? With Brett Warren

If you've has been listening to my podcast for some time, you'd know that I believe in the importance of having a long-term strategic plan for your investments, So while you may be looking for the next hotspot or a way to get rich quickly, let's step back today and look at the advantages of a long-term investment approach, explore how to sidestep some common pitfalls and discuss why playing the long game could be your best move in securing financial freedom And to do that I'm joined by Stuart Wemyss director of ProSolution Private clients, a seasoned financial advisor, author and expert in divising long-term strategies that have stood the test of time. Takeaways A long-term investment strategy is crucial for wealth building. Context is essential for making informed financial decisions. Delayed gratification is key to achieving financial goals. Trade-offs are necessary for long-term wealth accumulation. Tax planning should be proactive and part of the investment strategy. Insurance needs change over time and should be reviewed regularly. Helping future generations requires a solid financial plan. Asset allocation is important for retirement planning. Enjoying life while building wealth is a balanced approach. Habits play a significant role in success. Chapters 00:00 Introduction to Long-Term Investment Strategies 02:50 Defining a Sustainable Investment Strategy 06:04 The Importance of Having a Plan 08:18 Understanding Individual Investment Goals 10:41 The Role of Delayed Gratification 12:20 Aligning Partners Through a Shared Strategy 17:57 Executing Steps in the Right Order 20:39 Integrating Financial Planning with Investment Strategy 26:26 Planning for Future Generations 28:00 Choosing the Right Assets for Longevity 30:46 Incorporating Superannuation into Your Plan 32:56 Protecting Your Biggest Asset: Yourself 37:43 Enjoying Life Through Strategic Planning 40:02 The Importance of Strategic Planning 41:26 Wealth Retreat 2025: A Unique Opportunity 42:12 The Importance of Mindset in Wealth Building 45:01 Instilling Rich Habits in Children 45:31 Introduction to Real Estate Investment 45:32 Understanding Market Trends Links and Resources:    Michael Yardney  Stuart Wemyss – Prosolution Private Clients    Stuart's Book – Rules of the Lending Game & Investopoly    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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.  Shownotes plus more here: Why Plan Ahead? Top 10 Advantages of a Long-Term Investment Strategy | With Stuart Wemyss 

In this show Ken Raiss, Brett Warren and I and a heap of questions left by viewers of a recent Masterclass that should be of interest to anyone interested in property investment. We explore the pros and cons of investing in outer suburbs, what's ahead for the Melbourne property market, the significance of understanding property value versus price, the different loan structures available for investors, the importance of economic fundamentals, and strategies for intergenerational wealth transfer. The conversation also touches on the viability of living off equity and the comparison between commercial and residential properties. Takeaways Investing in outer suburbs can be risky especially at this stage of the cycle where property vans have been pushed up by inexperienced investors. Economic fundamentals drive property value growth. Setting up the right ownership property structure is essential for flexible intergenerational wealth transfer. Starting with a clear end goal is one key to successful investing. Interest-only loans can help in property accumulation phases, while we're paying debt makes sense as you near a retirement age. Living off equity is challenging but still possible with the right strategy. Commercial properties often provide better yields than residential property, but for most investors residential property provides better returns because of the extra leverage. Flexibility in investment ownership structures can enhance financial outcomes. The property market is cyclical; patience is necessary for long-term gains. Chapters 00:00 Introduction to the Q&A Session 00:27 Investing in Outer Suburbs vs. Hot Spots 01:19 Understanding Loan Structures and Trusts 02:02 Introduction to Property Investment Strategies 07:38 Analyzing Melbourne's Property Market 13:35 Understanding Property Investment Structures 19:13 Navigating Investment Decisions and Strategies 24:37 Exploring Regional vs. Capital City Investments 30:22 Superannuation and Property Investment Trusts 33:07 Understanding Debt: Interest-Only vs Principal and Interest 36:03 Transitioning to Cash Flow Properties 38:41 Building a Property Portfolio: Regional vs Capital City Investments 41:35 Living Off Equity: Is It Still Possible? 44:10 The Importance of Trusts in Wealth Management 46:57 Wealth Retreat: Planning for Future Success 48:51 Commercial vs Residential Property Investments 52:53 Introduction to the Podcast and Demographics Decoded 54:13 Special Offers and Resources for Listeners 55:03 Introduction to the Podcast and Its Purpose 55:35 Understanding Property Investment Strategies Links and Resources:    Join us at Wealth Retreat 2025 – read more here and reserve your spot  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    Ken Raiss – Director Metropole Wealth Advisory    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new 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.   Shownotes plus more here: Ask the Experts: Ken Raiss, Brett Warren and I Answer Your Burning Questions 

While we usually spend a lot of time talking about property, today I've got a special episode for all the parents out there. And even if you don't have kids yet or you're not planning to, you're still going to learn a lot about money and wealth today from my special guest Loral Langmeir, author of the transformative book, "Make Your Kids Millionaires: The Step-by-Step Guide to Lead Children to Financial Freedom." We discuss how to instill a millionaire mindset from a young age, the significance of early money conversations, and the role of parents in shaping their children's financial futures. Loral shares her personal journey and strategies for teaching kids about money, emphasising the need for practical experiences and the importance of overcoming limiting beliefs. We also touch on the value of delayed gratification and the necessity of investing in one's financial education. Takeaways The journey to financial literacy begins with self-awareness and action. Creating a millionaire mindset in children starts early and requires intentionality. The Apple doesn't fall far from the tree, and parents are their children's mentors so therefore they must show financial responsibility to instill good habits in their children. It's never too late for adults to change their financial habits. Money conversations should begin early in childhood to shape positive beliefs. Delayed gratification is a crucial lesson for financial success. Teaching children about money should involve practical experiences and games. Understanding taxes and financial strategies is essential for wealth building. Investing in education is the first step towards financial independence. Legacy planning is about what you leave in your children, not just what you leave to them. Chapters 00:00 Introduction to Loral Langemeir  04:20 The Journey to Becoming a Millionaire Maker 07:22 Creating a Legacy: Making Your Kids Millionaires 09:58 The Importance of Early Financial Education 13:12 Changing Money Mindsets: Overcoming Limiting Beliefs 16:04 The Role of Mentorship and Proactive Financial Strategies 21:17 Mapping Success: The Journey to Wealth 23:22 The Power of Debt: A New Perspective 24:12 Teaching Delayed Gratification to Children 26:24 Modeling Financial Responsibility for Kids 28:26 Investing Basics: Teaching Kids About Stocks and Property 30:57 Building Wealth: The Importance of Business Ownership 32:10 Opportunities for Growth: Millionaire Intensive 34:05 Laying the Groundwork for Financial Independence 35:57 Introduction to Wealth Retreat and Personal Growth Links and Resources:  Michael Yardney  - Subscribe to my daily Property Update newsletter  Metropole's Strategic Property Plan – to help both beginning and experienced investors  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Loral Langemeir the Millionaire Maker  Attend Loral's on line intensive - http://www.askloral.com/tmi   Get Loral's books:  ·        Make Your Kids Millionaires: The Step-by-Step Guide to Lead Children to Financial Freedom  ·        The Millionaire Maker: Act, Think, and Make Money the Way the Wealthy Do  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Also, please subscribe to my new 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.  Shownotes plus more here: A Chat with the Millionaire Maker – Loral Langemeir   

In this episode of the Michael Yardney Podcast, Brett Warren and I discuss twelve key insights that could have accelerated our success in property investment. We explore the importance of mindset, personal control, goal setting, and the role of attitude in shaping investment outcomes. The conversation emphasises the need for proactivity, learning from mistakes, understanding market cycles, and the value of giving back to the community. We also highlight the significance of compounding wealth and preparing for unexpected challenges in the investment landscape. Takeaways Setting clear goals helps in achieving desired outcomes. Don't compare your journey to others; focus on your own path. Prepare for unexpected challenges in investment. Your attitude can significantly change your reality. Being proactive in your life leads to better opportunities. Understanding market cycles helps in making informed decisions. Mistakes can be valuable learning opportunities. Time, leverage, and compounding wealth is crucial for long-term success. It's important to give back to the community as you become wealthy. Chapters 04:11 Setting Goals and the Reticular Activating System 06:52 The Power of Attitude and Mindset 09:49 Proactivity vs. Reactivity in Investing 12:35 Learning from Mistakes and Mentorship 15:32 Understanding Property Cycles and Market Dynamics 18:09 The Importance of Compounding and Long-Term Thinking 21:14 Preparing for the Unexpected: The X Factor 23:55 Conclusion: Enjoying the Journey and Future Outlook 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  Brett Warren - National Director of Property at Metropole  Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.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.  Shownotes plus more here: I would have been a better investor if I knew these 12 things earlier in life

In today's show Aaron Christie-David interviews me and asked how I've built the substantial property bought for the White investors should be doing in the current market to secure their financial future through property. I discuss the need for a comprehensive approach to wealth creation that goes beyond property alone, advocating for a balanced life and the importance of having a clear vision and goals. The conversation also touches on why many of the predictions made for the property markets for 2025 will be wrong. Takeaways Predictions about the market are often wrong; focus on fundamentals. Most property investors get it wrong; 50% sell up in five years and 92% never get past the first or second property. Your biggest asset is your time and your earning capacity, don't squander it. It's likely that many investors will put their plans on hold before the upcoming election, but experience shows us that life goes on after elections; so if you have the finance capacity don't wait to invest. Your strategic property plan should include risk management and things you shouldn't do just as much as it outlines things you should do. Investing is a long-term game; focus on capital growth more than cash flow. Surround yourself with good advisors and mentors. Confidence in the market drives investment decisions. True wealth encompasses more than just property. Chapters 03:58 The Journey of a Property Investor 06:48 The Importance of Role Models in Investing 08:42 Predictions for the 2025 Property Market 11:19 Supply and Demand Dynamics in Property 12:46 Understanding Vacancy Rates and Rental Growth 14:37 Choosing the Right Investment Areas 17:52 Navigating Political Uncertainty in Property Investment 22:18 The Impact of Interest Rates on Market Sentiment 23:36 Market Confidence and Rate Cuts 30:11 Investor Sentiment and Lending Dynamics 33:40 Strategic Planning for Property Investment 37:56 Risk Management in Property Investment 43:41 Final Thoughts on Property Investment Success 47:29 Introduction to the Law of Diminishing Intent 48:25 The Importance of Goal Setting 49:45 Wealth Retreat: A Path to Holistic Wealth 50:36 Living Without Regrets 51:56 Reprioritizing Life's Values Links and Resources:   Michael Yardney  - Subscribe to my daily Property Update newsletter    Metropole's Strategic Property Plan – to help both beginning and experienced investors    Aaron Christie-David co-founder of Atelier Wealth    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.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 or watching this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: Real Estate Riches: How to Build and Sustain Wealth Through Property with Aaron Christie-David 

Hindsight is a wonderful thing, isn't it? Let me ask you a question… with the benefit of hindsight and knowing what you know now, if you had the opportunity to do so, would you have bought an investment property 40 years ago? I bet your answer would be yes, realising that the median property price in Sydney was $68,500 back then and that you could have bought a median-priced property in Melbourne for just $40,000. So today I share 40 valuable lessons learned from over five decades of property investment. Takeaways Hindsight's a wonderful thing, isn't it? Successful investors have a long-term strategy. Don't do what most property investors do. The biggest risk is not doing anything. Location will do 80% of the heavy lifting. Don't rely on the media for your investment strategies. A change in your thinking will lead to a change in your life. You improve at what you practice intentionally. Time spent worrying is time that you could spend identifying opportunities. Never give up, you need resilience. Chapters 04:14 Key Lessons from 40 Years of Investing 04:41 Understanding Market Cycles and Trends 06:57 The Importance of Long-Term Strategies 11:05 The Role of Debt and Financial Management 14:17 Surrounding Yourself with the Right Team 16:33 The Importance of Quality Advice 19:45 Understanding Property Data and Market Dynamics 22:57 Mindset and Emotional Management in Investing 26:34 Learning from Mistakes and Resilience 28:29 The Masterclass of Daily Practice 31:13 Choosing What to Practice for a Better Life 31:33 Introduction to the Podcast and Demographics Decoded 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    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my new 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.    Shownotes plus more here: 40 property investment lessons I learned in the last 4 decades 

In today's show I'd like to remind you of some of the foundational principles I use to grow my wealth. I'll discuss things that "always worked" rather than things that are working now. Now to be clear… this is very different from most of what you hear in the news, which basically focuses on short-term investment trends. You know... those headlines that we've been seeing so much of recently - the top 10 areas to invest in 2025, the top 5 lessons from 2024, what's ahead for interest rates or where's the next hotspot. I also discuss the difference between expectations and forecasts and provide insights into the current market dynamics and future outlook for property investment to give you some clarity in the chaos of the many mixed messages in the media. Takeaways Focus on long-term investment strategies rather than short-term trends. Recognize the behaviour gap between intentions and actions. Successful investing requires patience and discipline. Building a strong team of independent advisors is crucial for property investment success. Expectations should guide your investment strategy; they are more useful than forecasts. The property market is cyclical; prepare for downturns and upturns. Investment-grade properties are key to long-term wealth creation. Current market conditions present unique opportunities for savvy investors with a long term focus. Understanding market dynamics can help mitigate risks. Strategic planning is essential for achieving financial goals in property investment. Chapters 07:15 Key Investment Principles 13:06 Expectations vs. Forecasts 18:00 Current Market Opportunities 22:17 Understanding the Behavior Gap 23:43 Recognizing and Closing the Gap 24:27 Introduction to Real Estate Investment 24:28 Understanding Market Trends and Analysis 24:32 Introduction to the Podcast and Demographics Decoded 25:52 Special Offers and Resources for Listeners 27:15 Understanding Property Investment Strategies   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    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my new 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.    Shownotes plus more here: 5 ways I'm going to ensure my property investments outperform this property cycle      

In this episode, Brett Warren and I discuss the intricacies of property investment, focusing on the importance of strategic planning, understanding investment-grade properties, and the role of buyer's agents.   We delve into the seven-stranded approach to property investment, share case studies of successful purchases, and provide insights into navigating off-market opportunities.   The conversation emphasizes the need for a long-term focus in property investment and the significance of being prepared for market changes. Takeaways Start your property investment journey with a clear plan. Investment-grade properties outperform the market over the long term. Metropole's seven-stranded approach helps in making informed investment decisions. Quality properties are more important than the quantity of properties in building wealth. Off-market opportunities can provide unique advantages. Buyer's agents play a vital role in navigating the property market. Long-term focus is essential for sustainable wealth creation. Investors should prepare for market changes ahead of time. Building relationships with agents can lead to better investment opportunities. Chapters 00:24 Case Studies and Real Outcomes 00:50 Setting the Stage for Property Investment in 2025 04:12 The Importance of Strategic Planning 06:59 Understanding Property Selection and Budgeting 09:59 The Seven Stranded Approach to Property Investment 12:49 Navigating Off-Market Opportunities 15:31 Quality vs. Quantity in Property Purchases 18:27 Exploring Investment Opportunities in Major Cities 21:25 The Role of Buyer's Agents in Property Investment 24:14 Commercial Property Considerations 26:52 Long-Term Focus in Property Investment 29:58 Preparing for Future Opportunities 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    Brett Warren - National Director of Property at Metropole    Join us at Wealth Retreat - Australia's Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Also, please subscribe to my new 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.    Shownotes plus more here: From Research to Results: The Formula Behind Metropole's Best Property Deals with Brett Warren 

If you're like many property investors, you've had more than your share of frustrations over the last couple of years, including the increased cost of maintaining your property with rising interest rates and mortgage costs, council rates, insurance and ever-changing legislative environment that seems to be favouring tenants more and more. Today I'm joined by Leanne Jopson, national director property management at Metropole to discuss some recent shifts in our rental markets and changes to our tenancy laws across Australia. The conversation highlights the evolving landscape of rental properties and the necessity for investors to adapt to these changes to maximize their returns. Takeaways The rental legislation has shifted in favour of tenants recently. Property owners are facing more challenges due to new regulations. Compliance with legislation is essential to avoid penalties. Understanding tenant rights is crucial for property investors. Minimum standards for rental properties are becoming stricter. Legislative changes are impacting how often rents can be increased. Property management is much more complex than just collecting rents. AI can assist in property management but cannot replace human relationships. Investing in property requires a business mindset. Strategic planning is key to successful property investment. Chapters 00:30 Understanding Recent Shifts in Rental Markets 01:25 Current State of the Rental Market 09:25 Legislative Changes Impacting Landlords 18:21 Minimum Standards and Compliance Challenges 27:12 Water Usage Regulations and Responsibilities 32:28 The Importance of Property Management 34:29 The Power of Useful Beliefs 36:47 Shifting Perspectives for Problem Solving 38:30 Special Offers and Resources for Listeners   Links and Resources:   Metropole's Strategic Property Plan – to help both beginning and experienced investors    Leanne Jopson – National Director Property Management at Metropole    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new 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.    Shownotes plus more here: An Investor's Guide to Rental Reforms: The Tide Turns To Tenants with Leanne Jopson