Podcast appearances and mentions of Chris Bates

With the 2026 Federal Budget reshaping tax incentives and many investors questioning whether traditional buy-and-hold strategies still make sense, where should property investors be looking next?In this episode, Veronica Morgan and Chris Bates are joined by property developer and educator Michael Tiemens to explore why small-scale property development is becoming an increasingly attractive strategy for investors seeking to build wealth through value creation rather than relying on market appreciation alone. Michael explains how subdivision and development can manufacture equity, while also highlighting the discipline, due diligence, and strategic thinking required to make these projects successful.Together, they unpack the realities behind successful development—from identifying the right sites and understanding buyer demand to conducting rigorous feasibility studies and managing finance, planning, construction, and market risks. They also challenge one of the biggest misconceptions in property investing: that tax benefits should drive investment decisions. Instead, the conversation focuses on building resilient investment strategies based on sound fundamentals, long-term thinking, and careful risk management.Whether you're an experienced investor looking to adapt to Australia's changing tax landscape or you're considering your first development project, this episode offers practical insights into how small-scale development can fit within a smarter, more sustainable property investment strategy. Tune in to discover why creating value—not simply waiting for capital growth—could be the key to building long-term wealth.Episode Highlights01:28 – The Budget Changes the Property Investment Game05:59 – Why Tax Shouldn't Drive Your Investment Strategy13:03 – What Happens When a Development Goes Off Track?18:58 – Buy Low, Create Value, Sell Smart21:15 – How to Negotiate a Better Development Deal23:56 – Build What Buyers Actually Want25:36 – The Battleaxe Block Objections Developers Face26:58 – Why Backyard Living Could Drive Buyer Demand28:59 – Why Property Fundamentals Matter More Than Tax32:20 – Can Partnering With Landowners Make Development Easier?36:27 – The Risks Developers Need to Spot Before Buying40:36 – Why Patience Could Be a Developer's Biggest Advantage43:08 – How to De-Risk a Property Development Project50:20 – Designing Developments Around Real Buyer DemandAbout the GuestMichael Tiemens is a property developer, educator, and founder of Develop Coach, where he helps aspiring and experienced investors navigate the complexities of small-scale property development. After building his own portfolio through subdivision and development projects, Michael has dedicated his career to teaching investors how to create wealth by manufacturing equity rather than relying solely on market appreciation.Drawing on years of hands-on experience, Michael specialises in development feasibility, site selection, subdivision strategy, and risk management. He is passionate about helping investors understand the commercial realities of development, equipping them with practical frameworks to assess opportunities, avoid costly mistakes, and make informed investment decisions in an evolving property market.Through his coaching, education, and real-world project experience, Michael has helped hundreds of investors develop the knowledge and confidence to approach small-scale property development with greater discipline, clarity, and long-term strategic thinking.Connect with MichaelInstagram | Michael TiemensLinkedIn | Michael TiemensWebsite | H.COResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack a market that still looks soft on the surface but may be opening a sharper decision window for buyers, upgraders and long-term investors. They explore how the post-Budget reset is changing behaviour on the ground, from investors stepping back and refinancers scrambling to lock in older valuations, to the early signs of more urgency ahead of the spring selling season. Pete and Chris discuss why Sydney and Melbourne may now offer some of the best buying conditions seen in years, why quality owner-occupier stock could tighten again quickly, and why the real story is not just falling prices but shifting competition. The conversation also digs into the second-order effects of policy change. They look at rental pressure, investor hotspots, rezoning and density in Sydney, and the practical ways households may rethink capital allocation if negative gearing and capital gains tax settings keep pushing people away from established property. In the listener Q&A, they tackle whether selling down a large portfolio to buy a premium Sydney family home is smart capital recycling, and how the six-year CGT rule can change the tax treatment of an old and new home. If you want a practical read on where fear is building, where opportunity may be opening and what to watch next, this is a timely episode to queue up. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack one of the biggest questions in property right now: is the current slowdown creating a genuine buying window, or are buyers still too early? They break down the Reserve Bank's August hold, what the latest press conference signals for rates, and why soft sentiment is colliding with an 11-week high in auction clearance rates. Melbourne is a major focus, with the pair exploring whether better auction results, stronger yields and years of underperformance could finally set the city up for a rebound. Pete and Chris also dig into the listings story. They explain why higher stock levels matter, why some data sets are telling slightly different stories, and why buyers should watch what actually sells, what passes in and where competition is still real. Their broader message is that headline fear can hide the fact that quality assets may already be finding support. The episode also covers mortgage competition, bank forecasts of deeper price falls, and why investor-heavy markets in Brisbane, Adelaide and Perth may still be the ones to watch most carefully from here. In the listener Q&A, they tackle off-the-plan risk in Castle Hill and the leading indicators that matter most after the Budget. If you want a practical market update on rates, listings, buyer psychology and where the next opportunities may emerge, this is a timely listen. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Property Podcast episode, Amy Lunardi and Chris Bates unpack how to make an offer on a property when the market feels uncertain and every agent seems to run a different process. They start with what is happening on the ground in Melbourne and Sydney, why softer conditions can create genuine buying opportunities, and why a buyer's market still leaves many people frozen. From there, Amy explains what buyers need to clarify before they submit anything: whether the property is being sold by private sale or before auction, whether the contract is ready, how the agent will handle competing offers, what makes an offer acceptable, and how price, settlement, deposit and finance conditions change the strength of your position. This episode is especially useful if you have ever wondered whether to start with a verbal offer, when to move straight to a signed contract, how to avoid being blindsided by a vague agent process, and how to think about pre-auction offers without overcommitting. It is a practical guide to asking better questions, negotiating with more confidence and making an offer that gives you a real chance of securing the right property without unnecessary panic. The bigger message is that buying well is not just about finding the right property. It is also about understanding the rules of engagement before emotion takes over. If you want a clearer framework for making offers in 2026, this conversation gives you the language, structure and strategy to approach the next property with less guesswork. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Selling a property in a slower market is less about timing the market and more about understanding where your property truly sits within it.In this episode, Veronica and Chris unpack why so many sellers fall short of their expectations, from unrealistic price hopes to choosing the wrong approach when it comes time to sell. They explore how quickly conditions can shift, and why clarity around your property's position is one of the most important steps in achieving a strong result.The conversation dives into what separates A-grade properties from those that struggle when buyer demand softens, and why emotional decision-making can quietly cost vendors thousands. Veronica and Chris also discuss the importance of independent advice, and how it can help homeowners avoid common traps that show up during the selling process. From there, they look at the realities of upgrading in today's market—whether it's better to buy first or sell first, and how to manage the risks when you're trying to do both.They also break down practical considerations like pricing strategy, owner-occupier demand, renovation potential, and why some properties consistently hold their appeal across different market cycles. A key theme throughout is the importance of thinking ahead—understanding resale value and buyer perception long before a property ever hits the market.Whether you're preparing to sell, planning your next move, or reviewing your long-term property strategy, this episode is packed with grounded, real-world insights to help you make more confident decisions. Hit play to learn why smart planning—not market timing—is what really drives better property outcomes.Episode Highlights03:45 – The Sale That Cost More Than Expected08:29 – Why Property Flaws Matter More in a Slow Market14:20 – The Buyer–Seller Standoff Slowing the Market24:50 – Should You Sell First or Buy First?29:07 – How to Reduce Lending Risk When Upgrading32:04 – Why Pressure Leads to Expensive Property Mistakes38:31 – The 'Frog in the Pot' Trap for Property Sellers43:28 – When Bad Auction Advice Costs You Thousands53:45 – Knowing When to Walk Away From a Sale56:35 – Why More Investors Are Selling Interstate PropertiesAbout the HostVeronica Morgan is one of Australia's most respected property experts, with decades of experience spanning property investment, buyer advocacy, market analysis, and consumer education. As the co-host of The Elephant in the Room and co-founder of Homebuyer Academy, Veronica is known for her evidence-based approach to property investing and her ability to cut through industry hype with clear, strategic insights. Having worked through multiple property cycles, she specialises in helping buyers understand the long-term drivers of capital growth, asset selection, and risk management in an increasingly complex housing market.Chris Bates is the founder and CEO of Alcove, an award-winning mortgage broking and property advisory firm that helps Australians make smarter financial and property decisions. With deep expertise in lending strategy, borrowing capacity, debt structuring, and cash flow management, Chris works closely with first-home buyers, owner-occupiers, and investors navigating changing market conditions. He is widely recognised for his analytical approach to property and finance, as well as his willingness to challenge conventional wisdom and hype-driven investment narratives.Together, Veronica and Chris bring a rare combination of on-the-ground property expertise and real-world lending insight. Their conversations blend macroeconomic analysis with practical strategy, helping listeners better understand not just what is happening in the Australian property market—but why it matters and how to respond intelligently.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates unpack a property market that is cooling, but not in a simple, one-speed way. Home values fell again in July, Sydney and Melbourne stayed at the front of the downturn, and listings jumped sharply, especially across key parts of Sydney. The bigger question is who actually benefits from this shift. Pete and Chris explain why first-home buyers may not be getting the relief many expected, why the lower end of the market has held up better than the top end, and why upgraders could be looking at one of the more interesting windows of this cycle. They also dig into rising rents, worsening rental affordability, and how changes to negative gearing and capital gains tax are starting to reshape investor behaviour. The conversation then widens to the broader economy, from slower lending and weaker housing activity to pressure on construction, consumer spending and state budgets. They also tackle listener questions on CGT transition rules, valuations, development sites and the growing need for proper tax advice in a more complex market. If you want a grounded read on where fear is building, where leverage may be shifting and what to watch next, this episode is a timely one. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack one of the biggest questions in property right now: is this actually a good time to buy, or are buyers still stepping into a falling market too early? They explore why so many sellers, buyers and agents seem frozen at once, why quality assets are behaving differently from the headline market data, and how fear around interest rates, inflation and the Federal Budget is changing behaviour across Sydney, Melbourne and beyond. Pete and Chris also explain why weak confidence today could become a major supply problem tomorrow, especially if developers, builders and investors keep stepping back. The conversation goes beyond prices. They discuss tightening rental markets, why first-home buyers may still need to act even in a softer market, and why the best opportunities often appear when sentiment feels worst. Their core message is clear: focus on quality, think long term, and do not confuse scary headlines with the value of a genuinely strong asset. They also answer listener questions on the six-year CGT rule, how to think about an investment property versus a future Melbourne home, and what buyers should watch if they are trying to move while the market still looks foggy. If you want a practical read on falling prices, rental pressure, buyer psychology and the post-Budget property reset, this episode is worth your time. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Director Chris Bates sits down with Paul Merritt and Matt Gillett to talk about building wealth and life skills that outlast a sporting career, from mentoring and personal brand to making smarter decisions with money. Paul, a third-generation real estate professional, has spent over 35 years working in property, building and development. Matt, a 10 year Brisbane Broncos, QLD State of Origin player and Australian Kangaroo representative, works in tandem with Paul to help semi pro and pro athletes make informed decisions about their future in house and land packages across Australia - before they sporting journey is over. In this conversation, Matt and Paul share unpack why financial planning early reduces pressure in the long run and creates real freedom for athletes."We focus on residential, and we do that through house and land packages, so that's land and new builds. We do that all over Australia, that way we're not limited to any one particular market. We can also work with the player, with their financial planner or their broker on what sort of entity they want to purchase. So some somebody might want something that's negatively geared, or they might want cash flow, or they might want equity uplift, or a combination of both. And so at least following all the different markets can allow us to look at what that might mean for that particular person as we grow. We are definitely not interested in doing a deal with someone and and doing one house. We want them to build their wealth through property and that is building a portfolio. And that portfolio has a diversification of stock around the countryside."Throughout the conversation, Chris speaks to Paul and Matt on:• Paul's background in real estate and why he focuses on athletes• Matt's transition from NRL to life after footy and what he wishes he knew sooner• trusted mentors as a buffer against distractions and bad advice • balancing big ambition with realistic steps and reset points• why life after sport can be 45 years long and requires a plan• how having a conversation with Merritt Sports before you are 'ready for real estate' can set you up with great building blocks • what the Merritt Sports partnership offers Study & Play USA families• how house and land packages work and why data matters• starting with a financial health check and a simple savings roadmap• "FOMO" vs “FOGI” and choosing action in real estate when you are ready"We are always looking for ways in which Study & Play USA can provide our student-athletes with ongoing support in college and beyond. Partnering with Merritt Sports allows our student-athletes to be prepared for life in the workforce or life as a professional athlete, providing options for how to leverage their income and wealth through property investment. We are thrilled to partner with a company with a clear passion for sport and for athlete development."-Chris Bates, Director of Study & Play USAWhether you are a current US college athlete, recent US college graduate, in the workforce or playing professionally, Merritt Sports can help you with your real estate goals! Learn more by visiting:https://merrittsports.com.au/ *Please note: at the time of recording, Chris spoke about 4 years of playing eligibility. Since then, the NCAA has passed a 5 for 5 rule in NCAA D1, allowing 5 years of playing eligibility.

Negative gearing is one of the most divisive topics in Australian property—and few people are willing to have a genuine conversation about it.In this episode, Chris Bates and Veronica Morgan sit down with renowned economist Saul Eslake to explore one of the biggest policy debates in housing, challenging long-held assumptions on all sides of the argument.Rather than debating who's right or wrong, the conversation unpacks the economic principles behind negative gearing, the capital gains tax discount, and why tax policy shapes where Australians choose to invest. Saul explains why he believes a more neutral tax system would create a fairer economy, while Chris and Veronica question what the proposed reforms could mean for housing supply, investor behaviour, rents, and affordability.The discussion extends well beyond property tax. They examine Australia's reliance on mum-and-dad investors, the role of institutional investment and social housing, why encouraging new housing supply matters, and whether Australia has become too dependent on property as a wealth-building vehicle. Along the way, they tackle productivity, government policy, and the difficult trade-offs involved in creating a housing system that works for both investors and aspiring homeowners.Whether you agree with Saul's views or not, this episode offers a rare opportunity to hear a respectful, evidence-based discussion between people who don't always see eye to eye. If you've ever wondered whether negative gearing really solves—or contributes to—Australia's housing challenges, this conversation will give you plenty to think about.Episode Highlights01:34 – Meet Saul Eslake05:30 – Why Property Beats Startups on Tax10:56 – The CGT Discount Explained14:45 – Challenging the Case for Tax Reform16:42 – Does Negative Gearing Increase Supply?18:12 – Do Tax Incentives Really Build More Homes?23:07 – Who Wins, Who Loses Under Tax Reform?28:56 – The Unintended Consequences of Reform31:46 – Has Australia Become Addicted to Property?34:44 – Why Social Housing Keeps Falling Short38:32 – What Happens If Investors Leave?41:24 – Can Supply Incentives Really Work?45:36 – Why Cheap Apartments Are Disappearing49:06 – Is Australia's Tax System Really Fair?54:02 – What's Behind Australia's Productivity Slump?59:04 – Why Higher Inflation May Be Here to StayAbout the GuestSaul Eslake is one of Australia's most respected independent economists, with decades of experience analysing the Australian economy, public policy, housing markets and taxation. Throughout his career, he has served as Chief Economist for ANZ Bank and Bank of America Merrill Lynch Australia, while also advising governments, businesses and industry organisations on economic policy and reform.Known for his evidence-based approach and willingness to challenge conventional thinking, Saul is a leading voice on issues including housing affordability, taxation, productivity and Australia's long-term economic future. His commentary regularly appears across Australia's major media outlets, where he helps translate complex economic issues into practical insights.Connect with SaulLinkedIn | Saul EslakeWebsite | Saul EslakeYouTube | Saul EslakeResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack what the post-Budget property reset is starting to look like on the ground, and where patient buyers may finally be getting some leverage again. They break down quieter winter listings, soft auction clearance rates and the widening gap between A-grade properties and everything else. The big question is not just whether prices are falling, but where the pullback is creating genuine opportunity for upgraders, first-home buyers and investors willing to stay disciplined. Pete and Chris also cover the pockets seeing the most change across Sydney, Melbourne, Brisbane, Adelaide and the Gold Coast, plus why units, renovators and better-quality homes may behave very differently from compromised stock. They also explain why lower borrowing costs alone may not be enough, and why quality listings could become the real battleground as spring stock arrives. To wrap up, they answer listener questions on new builds, older Melbourne units and the tax headlines worrying Australian expats. If you are trying to read a softer market without getting swept up in the panic, this episode offers a practical look at what may matter next. It is a useful episode for anyone planning a move before the market narrative shifts again. Episode resources – Ask a question (select the Property podcast)   Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe   EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers   Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback!   Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest   DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack what the post-budget property reset may mean for buyers, renters and investors as the market heads deeper into winter. The conversation starts with the big shift now showing up across the market: fewer active investors, tight rental supply and a growing sense that many buyers are sitting on their hands waiting for clarity. Pete and Chris explain why that matters, not just for house prices, but for rental affordability, construction activity and the number of listings likely to emerge in spring. They also dig into the pressure points inside the market right now, including Sydney's recent rent surge, fears that new supply will stall, and why some owner-occupiers may see the current anxiety as an opportunity to upgrade or renovate. Along the way, they discuss mortgage stress, first-home buyer hesitation, the slowdown in development feasibility and why tighter tax settings may push even more landlords to think about selling. The episode wraps with listener questions on retirement planning, Sydney apartments, Airbnb strategy and whether borrowing inside super for residential property is effectively dead after the latest budget changes. If you want a grounded read on where the property market may be heading next, this is a practical episode to hear now. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

For years, Australia's housing crisis has been framed as a simple supply problem: cut planning red tape, approve more developments, and housing affordability will improve. But what if we've been solving the wrong problem all along?In this episode, urban economist and town planner Tim Sneesby joins Veronica Morgan and Chris Bates to challenge one of the most widely accepted narratives in Australian property. Drawing on his experience in planning, urban economics, and public policy, Tim unpacks why planning regulations may not be the primary barrier to housing delivery. Together, they explore why more than 100,000 approved homes in New South Wales remain unbuilt, what developer feasibility has to do with housing supply, and why interest rates, financial markets, and broader economic conditions may have a far greater influence on affordability than planning reform alone.The conversation also dives into the NSW Government's planning reforms, including low and mid-rise housing policies, transport-oriented development, and the growing debate between state-led rezoning and strategic local planning. Tim explains why blanket upzoning may not deliver the housing outcomes governments are hoping for, and why infrastructure, long-term planning, and genuine affordable housing should be part of the conversation if Australia is serious about tackling its housing affordability crisis.Whether you're a property investor, home buyer, industry professional, or simply trying to make sense of Australia's housing debate, this episode offers a fresh perspective on one of the country's biggest policy challenges. If you've ever wondered why housing remains so expensive despite years of planning reform, this conversation will challenge your assumptions and help you see the bigger picture.Episode Highlights01:50 – Meet the Expert Challenging Housing Myths08:56 – What's Really Driving House Prices?16:47 – Is NIMBYism Really Blocking Housing?19:55 – A Better Alternative to Blanket Rezoning23:09 – The Affordable Housing Catch30:46 – The Truth About Infill vs Greenfield34:56 – Why Interest Rates Matter More Than Supply36:26 – What Really Drives Housing Demand?39:02 – The Hidden Labour Crisis Behind Housing43:00 – Why Equity Keeps Driving Property Prices47:06 – Why Developers Can't Build Everything49:04 – Why Approved Projects Never Get Built52:09 – Is Australia's Housing Crisis Misdiagnosed?55:49 – When Planning Reform Creates More UncertaintyAbout the GuestTim Sneesby is an urban economist, town planner, and planning policy expert with extensive experience across local government, strategic planning, and urban economics. Having worked in both the public and private sectors, Tim brings a unique perspective to Australia's housing debate, combining practical experience in development assessment with a deep understanding of the economic forces shaping cities and housing markets.Currently serving as Manager of Town Planning at a Sydney council, Tim also teaches urban economics at the University of New South Wales and the University of Sydney. Recognised as a former Australian Young Planner of the Year, he is widely respected for challenging conventional thinking around housing affordability, planning reform, and urban policy through evidence-based analysis and practical insight.Passionate about creating better cities and better housing outcomes, Tim advocates for strategic planning that balances housing supply, infrastructure, affordability, and long-term community outcomes rather than relying on simplified policy solutions.Connect with TimE-mail | Tim SneesbyResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates analyse the deepening housing market downturn and what it means for buyers, sellers, investors and first-home buyers in 2026.  The conversation covers the latest CoreLogic data showing capital city values down 1.3% in the June quarter, auction clearance rates slipping below 50%, and a drop in sales volumes.   Pete shares his on-the-ground view that many prices are already 10-15% off peak levels but appear to have levelled off in recent weeks, with few genuine fire sales thanks to strong employment. Pete and Chris examine the Federal Budget's limited impact on home ownership rates, the SMSF lending ban wiping out potential gains from new housing initiatives, evaporating new home sales, and falling unit approvals.  They discuss shifting sentiment in key markets — including Brisbane homeowners pulling sales and the forecast that Brisbane could soon overtake Sydney as the most expensive unit market — alongside inflation easing and banks revising 2026 price forecasts downward (with some predicting 5-10% national falls). Main stories include “Budget buyer's remorse” — why first-home buyer applications have slowed despite policy support — and a detailed look at what a further house price fall would actually mean for Australians.  Drawing on 30 years of history analysed by ABC News Business, they highlight that past corrections have been relatively shallow (average -2.9%) while subsequent recoveries have been strong (+32% on average).  They explore risks of negative equity for recent buyers, the chance of a larger correction, Sydney's role as the market canary, and why fundamentals (jobs, rates, yields) still matter more than headlines. The episode finishes with two practical listener questions: Chris shares the biggest structuring lessons from scaling Alcove and advising clients — particularly the one principle that separates successful long-term investors from those who get stuck or over-leveraged. And Pete offers advice on how regular buyers can realistically access off-market and pre-market deals without a buyer's agent. Along the way, Pete and Chris offer strategic advice for buyers and sellers in nervous conditions, discuss wealth transfer opportunities, refinancing dynamics, and the importance of thinking long-term when sentiment shifts fast.  If you want a clear-eyed, data-driven weekly snapshot of Australia's housing market — from downturn realities and policy impacts to practical investing and buying tactics — this episode is essential listening right now. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Mo Money Podcast, we chat to Chris Bates from Alcove. He's a mortgage broker that's helped thousands of Aussies buy homes and invest through the property market. We talk through his take on what's going on in the post-budget world for property, what smart property buyers should be thinking about today, and some of the mistakes to look out for if you're wanting to get ahead and using property as part of your plan. This episode is really perfect for anyone that wants to understand property better.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates break down the latest property-market shake-up and what it means for buyers, investors and borrowers. The conversation centres on the Federal Budget fallout, the ban on SMSF lending into property, weaker auction conditions and the way sentiment has turned across key housing markets. Pete and Chris unpack why Sydney and Melbourne were already softening before the policy changes, how investor demand is fading in the established market, and why rental yields and mortgage rates still matter more than headlines. They also explain where they are still seeing activity, from first-home buyers and upgraders to smaller renovation projects, while caution remains high around leveraged property investing. The episode finishes with two practical listener questions: whether to sell a negatively geared investment property when cash flow is tight, and when property can still make sense versus shares in 2026. Along the way, Pete and Chris explore refinancing dynamics, the role of super, the trade-offs between liquidity and leverage, and how to think about risk when conditions are changing fast. If you want a grounded weekly read on the Australian housing market, mortgage trends and investing decisions, this episode is a useful snapshot of where the market stands right now. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates ask whether Australia's housing market has moved from nerves to peak fear. They unpack weaker auction results in Sydney and Melbourne, falling prices, softer new-home sales and why investor sentiment keeps deteriorating even as hopes build for lower rates later in 2026. A key focus is policy risk: how proposed negative gearing and capital gains tax changes could hit established-property demand, why self-managed super fund lending may become the next political battleground, and whether investors end up being pushed towards new builds or Melbourne apartments instead. They also test a few narratives gaining traction right now, including whether peak fear may open a window for first-home buyers, why headlines about Melbourne apartments and boutique developments need more scrutiny, and what a genuine market reset would look like across owner-occupier suburbs, investor pockets and regional areas rather than just in headlines. Pete and Chris then move from headlines to practical strategy, explaining what buyers should watch around confidence, supply, serviceability and sensational market narratives. In the listener Q&A, they tackle whether to keep a townhouse when upgrading to a forever home, how the six-year CGT rule works in practice, and whether AI could become deflationary for households carrying big debt. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Australian Property Podcast, Amy Lunardi and Chris Bates unpack the psychological traps that can quietly cost property buyers money, momentum and confidence. The conversation starts with a simple idea: a buyer's market should feel easier, but in practice it can feel even harder because lower sentiment, softer prices and more choice often create more doubt. Amy explains why buying property is unlike almost any other purchase. The stakes are high, opinions come from everywhere, data is imperfect and emotions can spike at exactly the wrong moment. Together, Amy and Chris explore the traps buyers fall into most often: waiting for social proof, second-guessing a property after a pass-in, trying to time the bottom of the market, getting rattled by difficult agents, anchoring to one sale, or letting family opinions override a clear plan. The episode also focuses on what buyers can control. Amy shares why strong preparation matters more than bravado, how to think about personal value versus on-paper value, and why a good negotiation often comes down to scenario planning, pausing under pressure and returning to your fundamentals. If you're buying in a softer market, navigating auctions or trying to avoid self-sabotage, this is a practical episode on making better property decisions with less regret. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack a housing market that is trying to stabilise after the Budget shock, without much conviction that the hard part is over. They start with the Reserve Bank holding the cash rate at 4.35%. Bond yields are off their peak, some fixed rates are edging lower, and buyers are asking whether confidence can rebuild. Pete and Chris explain why that does not guarantee a strong recovery while policy uncertainty, softer investor demand and weak sentiment still weigh on Sydney and Melbourne. The episode then turns to what is changing on the ground. Investors are pulling back, upgraders are cautious, first-home buyers are getting a little more breathing room, and rents remain under pressure because vacancies are still tight. They also unpack stamp duty changes, buyer incentives and why mortgage stress is still more of a pressure story than a distressed-sales story. Finally, they look ahead to late 2026 and 2027. If rates fall meaningfully, the market could find a new leg higher. If cuts stay modest, Australia may be heading into a slower, more balanced phase instead. It is a useful episode for buyers, investors and homeowners trying to work out what matters now and what noise to ignore. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

First home buyers are finally getting a bit more breathing room, but that does not mean every scheme is a green light. In this Australian Property Podcast episode, Chris Bates sits down with Jack Elliott, National First Home Buyer Specialist at Alcove, to unpack what changed after the Budget and how buyers should think about grants, guarantees and shared-equity options in 2026. Jack explains why some first home buyers are seeing less competition at opens and auctions, how changes to investor borrowing power may be shifting the market, and why waiting for the perfect headline can be just as risky as rushing in too early. The bigger question, according to Jack, is whether you are actually ready: know your numbers, stress-test your budget, understand your pathway and buy with the next five to ten years in mind. They also break down the main paths into the market, including the 5% deposit scheme, LMI waivers for certain professions, guarantor loans, Help to Buy, and gifted money. Plus, they cover what to watch with stamp duty concessions and the First Home Owner Grant, and the trap of letting a short-term incentive drive a long-term property decision. If you are trying to work out whether to buy now, which scheme fits your situation, or how to avoid the biggest first-home-buyer mistakes, this episode is for you. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Australian Property Podcast, Pete Wargent and Chris Bates step back from the panic that followed the federal Budget and ask what is actually changing in Australia's housing market. The headlines have turned hard, sentiment has cooled quickly and buyers are suddenly hearing talk of weaker auctions, falling prices and a tougher road for investors. Pete and Chris explain why the fear feels louder than the facts, why some owner-occupier markets may hold up far better than investor-led pockets, and why softer turnover can show up long before the national data fully catches up. They also discuss why first-home buyers may get a little more breathing room if investors retreat, but why that same shift could deepen rental pressure and make the supply problem worse. The episode then moves from headlines to strategy. Pete and Chris unpack where capital may flow next, including commercial property and new apartments, and whether those pivots genuinely stack up for investors. They also weigh up the more constructive side of the story: ongoing housing undersupply, easing rate expectations and the chance some of the most dramatic policy fears get diluted over time. Plus, they answer listener questions on land tax, retirement pressure and what a move to New Zealand could mean for Australians with property held across multiple structures. If you want a practical take on the post-Budget property reset, buyer opportunity and the risks hiding underneath the noise, this is a timely episode to queue up. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Well, well, in my live show with Chris Bates yesterday we dived into the impact of the budget changes and suggested that with the removal of significant numbers of investors from the playing field, Governments will need to do more to entice (nay bribe) first time buyers into the market to stop prices falling too … Continue reading "“Expect More Support For First Home Buyers”: BINGO!"

In this edit of our live show we examined the property market ructions, caused by the recent budget changes, interest rate rises and political intervention. I was joined by Chris Bates, CEO of Mortgage Brokers Alcove, one of Australia’s most strategically-minded mortgage broking businesses, with offices in Sydney, Melbourne and Brisbane. He’s one of Australia’s … Continue reading "DFA Live Q&A HD Replay: The Australian Property Three Body Problem: With Chris Bates"

In this 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack what the post-Budget property reset is starting to look like in real time. The initial panic has eased, but the aftershocks are now showing up in buyer behaviour, lending conversations and market turnover. Pete and Chris explain why first-home buyers are suddenly seeing less competition at open homes, why established-property investors are retreating, and why Sydney and Melbourne are leading the slowdown. They also dig into the pressure points underneath the headlines: softer sales volumes, weaker auction conditions, tighter serviceability, and the risk that lower turnover makes housing even less flexible for households and state budgets alike. A big focus in this episode is the mismatch between policy intent and what may happen on the ground. New-build and off-the-plan inquiries have jumped, but that does not mean projects will stack up or convert into real sales. Pete and Chris talk through why build costs, borrowing limits, settlement risk and buyer caution still matter, and why some “solutions” may look better on paper than in practice. They also cover rents, vacancies, buyer's agents under pressure, the markets most exposed if investor demand keeps fading, and what listeners should watch next if they want to buy, hold or rethink a property plan. If you want a calm, practical read on where the market may be heading from here, this is a timely listen. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Within 72 hours of the federal budget announcement, the property narrative flipped. Buyer's agents who once championed established homes began pushing new builds.SMSF strategies resurfaced. High-yield “manufactured” deals came back into focus. The question is—did the fundamentals change… or just the incentives?In this episode, we break down what's really driving this sudden shift in property advice. From the two-speed market created by negative gearing changes to the re-emergence of developer-led stock, we unpack how quickly “strategy” can become sales when business models are under pressure. More importantly, we challenge whether investors are being guided toward better outcomes—or simply redirected toward whatever still pays.We also dig into the hidden risks behind today's most heavily marketed plays: new builds with impaired resale markets, SMSF property strategies being pushed without proper advice, and high-yield assets that sacrifice long-term growth for short-term numbers. These aren't new ideas—they're recycled playbooks dressed up for a new policy environment.If you're feeling the pressure to act post-budget, this episode is your reset. Because when incentives change, behaviour follows—but that doesn't mean you should. The smartest move right now? Understand what's really driving the advice before you follow it.Episode Highlights02:05 – The Two-Speed Market Explained04:04 – When Buyer's Agents Follow the Money09:29 – The Resale Trap No One's Talking About12:16 – Does Negative Gearing Actually Work?18:44 – The Rise of Dangerous Tax Advice Online21:37 – The Hidden Risk of One-Stop Property Shops23:18 – SMSF Property: Lessons from Past Disasters24:45 – The Mortgage Prisoner Risk Explained27:42 – The Comeback of “Manufactured Yield”31:50 – When Investor Demand Becomes a Trap34:16 – The Push Into Commercial & Regional Plays36:50 – Who Really Wins This “Fairness” Budget?41:35 – First Home Buyer Schemes: Hidden Downsides44:25 – The Upgrade Loophole Most Buyers Miss46:13 – What Smart Investors Do NextAbout the HostVeronica Morgan is one of Australia's most respected property experts, with decades of experience across property investment, buyer advocacy, and market analysis. As co-host of The Elephant in the Room and co-founder of Homebuyer Academy, she's known for cutting through industry hype with clear, evidence-based insights. Veronica specialises in helping buyers understand long-term capital growth, asset selection, and risk in an increasingly complex market.Chris Bates is the founder and CEO of Alcove, an award-winning mortgage broking and property advisory firm. With deep expertise in lending strategy, borrowing capacity, and cash flow management, he helps Australians make smarter property and finance decisions. Chris is known for his analytical approach and his willingness to challenge conventional, hype-driven narratives.Together, Veronica and Chris combine property expertise with real-world lending insight—breaking down what's happening in the market, why it matters, and how to respond with clarity and confidence.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack what the post-Budget property reset is starting to look like on the ground. Even before any policy changes are fully legislated, sentiment has shifted: investors are turning cautious, lenders are tightening around serviceability, asking prices are easing in parts of Sydney and Melbourne, and nervous sellers are starting to meet more patient buyers. Pete and Chris explain why this could create a short-term window for owner-occupiers and first-home buyers, especially if they stay selective and focus on quality assets instead of compromised stock. They also dig into the second-order effects many people miss: weaker turnover, softer stamp duty receipts for state governments, a possible push toward broader land-tax reform, and the way confidence can return quickly once rates, policy or sentiment stabilise. The episode also tackles the big debate around new builds. While tax settings may steer more investors toward fresh stock, Pete and Chris question whether the numbers really stack up once you factor in high build costs, elevated rates and the risk of owning something the next investor may not value the same way. Plus, they answer listener questions on refinancing an existing investment property, when interest-only lending may still make sense, and whether downsizers in developer-heavy suburbs could benefit from the changing market. Episode resources – Ask a question (select the Property podcast) Rask Resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Bates sits down with James O'Reilly to unpack what the latest Federal Budget proposals could mean for Australian property investors at three very different life stages: wealth accumulators, pre-retirees and retirees. They break down how proposed changes to negative gearing, capital gains tax and trust taxation may change the numbers for investors who have relied on property for growth, cashflow and tax efficiency. From there, the conversation moves beyond headlines into practical strategy: whether younger investors may lean harder on shares, debt recycling and super, why new-build incentives can become a trap if the underlying asset is weak, and how upgrading or renovating the family home may stack up differently if CGT settings change. For pre-retirees and retirees, Chris and James explore the line-in-the-sand moment many property owners could face before 1 July next year, including whether to hold, sell, add to super or rethink how wealth gets passed on. They also discuss SMSF property risks, why tax now matters more than ever in long-term modelling, and how good advice can help people avoid rushed decisions based on policy noise. If you own property, want to buy, or are rethinking where your next dollar should go after the Budget, this episode offers a calm framework for weighing the trade-offs. Episode resources – Ask a question (select the Property podcast) Rask Resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Is property investing dead, or is Australia just entering an uncomfortable reset? In this 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack the post-Budget aftershocks now rippling through the housing market. They start with the investor side of the equation. With Sydney auctions rattled, negative gearing changes looming, and Macquarie already cutting investor serviceability, Pete and Chris explain why many established-property buyers may step back fast. They discuss where demand could weaken first, why some investors may pivot to new builds or other asset classes, and why rental pressure could worsen if fewer investors keep stock in the market. The episode also explores the flip side: could this finally be a better window for first-home buyers? The pair look at how reduced investor competition may change conditions on the ground, why strategy matters more than panic, and what buyers and sellers should be thinking about while the policy picture is still evolving. They also answer listener questions on getting a home loan while working on contract, plus the risks of chasing offshore property opportunities in places like the UAE or New Zealand. If you want a calm, practical conversation about rents, borrowing power, first-home buyer opportunities and what the Budget could change next, this is a timely listen. Episode resources – Ask a question (select the Property podcast) Rask Resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Bond markets are flashing warning signs and investors are finally taking inflation seriously again. Bryce and Ren unpack why soaring bond yields matter for your portfolio, how energy prices are driving global inflation fears, and why Trump only really fears the bond market. Then the boys' mortgage broker Chris Bates drops in to break down the Australian budget changes that could completely reshape property investing, rentvesting, and how Aussies build wealth.Looking for professional mortgage advice? https://equitymates.com/advice/In this episode: 00:00 Bond Market Panic Begins00:46 FinFest Announcement01:31 Inflation Fears Hit Markets05:10 Elon Musk vs OpenAI Comes to an End06:24 OpenAI & Anthropic IPO Race09:04 Big 4 Banks Are Pocketing Your Rate Rises11:40 Budget Changes Property Investing14:35 Why Rentvesting Is Dead15:50 Which Property Prices Could Fall18:49 New Wealth Strategy for Australians21:45 Why Shares Could Benefit23:14 What Investors Should Do Now23:59 Episode Wrap-UpStocks & ETFs mentioned: Microsoft (NASDAQ: MSFT), Tesla (NASDAQ: TSLA), Commonwealth Bank (ASX: CBA), ANZ Group (ASX: ANZ), NAB (ASX: NAB), Westpac (ASX: WBC)Australia's biggest investing festival is back.We're calling all bulls, bears and party animals to come trade ideas at Carriageworks on Saturday 24 October. 50+ sessions across 5 stages, food trucks, bars, a mechanical bull, and 2,500+ investors in one room. This is a finance event like no other.Early bird tickets are now on sale for only $40 - secure yours before they run out!FinFest is proudly brought to you by Betashares.equitymates.com/finfest———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

The end of negative gearing for established property could become one of the biggest turning points in Australia's housing market—not just because investors may lose tax deductions, but because of the ripple effects it could create across buyer behaviour, borrowing capacity, property values, and the types of housing that get built in the future.But if these changes are designed to improve affordability, who actually benefits—and what could break in the process?In this episode, Veronica and Chris unpack the federal government's proposed changes to negative gearing and capital gains tax, exploring why the real risks may lie in the unintended consequences. From investor pullback in regional markets and apartment-heavy precincts to the growing pressure on first-home buyers and developers, they examine how markets driven by investor demand could respond if the economics of property investing fundamentally change.They also dive into what they call the “secondary market problem” —the possibility that properties built to attract tax-incentivised investors today could struggle to attract buyers once those incentives no longer apply to future owners.The conversation also explores the broader forces already weighing on the market, including inflation, interest rates, lending conditions, and weak consumer confidence. Rather than reacting emotionally to the policy changes, they challenge listeners to think more strategically about asset quality, long-term demand, and what sustainable investing could look like in a post-negative gearing environment.Episode Highlights01:57 – The Negative Gearing Changes Explained04:19 – Why Chris Says “Everything Gets Repriced”06:37 – Who Wins From the Grandfathering Rules?10:40 – The Borrowing Capacity Squeeze Ahead12:21 – Which Regional Markets Are Most at Risk?17:39 – The Mining Boom Mistakes Repeating Again21:22 – Property Changes Meet Economic Headwinds26:04 – Could Investor Sell-Offs Accelerate?28:02 – Why Negative Gearing Created Scarcity32:04 – Could Investors Need Another Bailout?33:27 – The Owner-Occupier Data Nobody Sees37:41 – Rental Demand, Bonds & Market Pressure38:56 – Will First Home Buyers Finally Benefit?41:35 – Why Australians May Need New Wealth Strategies44:22 – Which Property Segments Get Hit Hardest?46:17 – The Tax Structure Problem Few Discuss48:04 – How the Property Industry Will Pivot Next50:37 – Final Warnings for Buyers and InvestorsMentionsInvestopoly (Podcast) with Stuart Wemyss & Campbell WallaceAbout the HostVeronica Morgan is one of Australia's most respected property experts, with decades of experience spanning property investment, buyer advocacy, market analysis, and consumer education. As the co-host of The Elephant in the Room and co-founder of Homebuyer Academy, Veronica is known for her evidence-based approach to property investing and her ability to cut through industry hype with clear, strategic insights. Having worked through multiple property cycles, she specialises in helping buyers understand the long-term drivers of capital growth, asset selection, and risk management in an increasingly complex housing market.Chris Bates is the founder and CEO of Alcove, an award-winning mortgage broking and property advisory firm that helps Australians make smarter financial and property decisions. With deep expertise in lending strategy, borrowing capacity, debt structuring, and cash flow management, Chris works closely with first-home buyers, owner-occupiers, and investors navigating changing market conditions. He is widely recognised for his analytical approach to property and finance, as well as his willingness to challenge conventional wisdom and hype-driven investment narratives.Together, Veronica and Chris bring a rare combination of on-the-ground property expertise and real-world lending insight. Their conversations blend macroeconomic analysis with practical strategy, helping listeners better understand not just what is happening in the Australian property market—but why it matters and how to respond intelligently.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

In this 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates react to a Federal Budget that could reshape Australia's housing market faster than many investors expect. Recording the morning after the announcement, they break down the headline changes: negative gearing being restricted to new builds from 1 July 2027, a tougher capital gains tax regime, and a new minimum tax rate on trusts. But the real focus is what those changes do to behaviour. Pete and Chris unpack why investor borrowing capacity could be hit, why established-property demand may soften, and why areas with heavy investor ownership could feel the pressure first. The episode also looks at the flow-on effects for rents, first-home buyers and housing supply. With vacancy rates already tight and rates still elevated, the pair explain why the market could split further between scarce owner-occupier-grade assets and investor-led stock such as some apartments and regional hotspots. They also discuss the likely policy response, including a bigger role for the 5% deposit scheme as government tries to keep demand from falling too hard. If you want a practical conversation about what the Budget could mean for prices, rents and property strategy from here, this is a timely episode to queue up now. Episode resources - Ask a question (select the Property podcast) Rask Resources - Pete's Buyers Agency - Alcove mortgage broking - Amy Lunardi Buyers Agency (Melbourne) - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! Follow us on social media - Instagram: [@rask.invest] - TikTok: [@rask.invest] DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Why does it cost so much to build in Australia right now? In this week's 2 Sense episode of the Australian Property Podcast, Pete Wargent and Chris Bates unpack a fresh construction squeeze just as the housing market heads into a Budget week that could reshape investor behaviour. They break down the build-cost blowout, including the sharp rise in the cost of delivering a dwelling since 2019, and explain why higher diesel, concrete, piping, plumbing supplies and financing costs all matter. If feasible projects become marginal and marginal projects become unfeasible, the supply response Australia desperately needs gets pushed even further out. The conversation then shifts to policy risk. Pete and Chris explore reported changes to capital gains tax and negative gearing, softer conditions in Sydney and Melbourne, stronger rental yields, and what tighter supply could mean for buyers, investors and rents. The episode also answers listener questions on selling an investment property to buy ETFs, and how to balance property with shares for long-term retirement goals. It's a practical, timely listen for anyone trying to read the next phase of the housing market. Episode resources Ask a question (select the Property podcast) Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Wargent and Chris Bates break down what potential changes to capital gains tax and negative gearing could mean for investors and renters, then zoom out to the bigger forces shaping the property market. Key topics: Possible CGT and negative gearing reforms, and the flow-on to investor demand, rents and buyers Oil prices, bond yields, sticky rents, and shaky confidence in Sydney and Melbourne The role of immigration and supply in ongoing housing pressure Listener Q&A on refinancing, fixed vs variable rates, and whether to wait or back high-quality assets Rask Resources Pete's Buyers Agency: https://allenwargent.com.au Alcove mortgage broking: https://raskmedia.com.au/services/mortgage-broking Amy Lunardi Buyers Agency (Melbourne) https://amylunardi.com.au All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question (select the property podcast): https://bit.ly/R-quest We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: https://www.tiktok.com/@rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Pete Wargent and Chris Bates unpack how long the Sydney and Melbourne property downturn could last, why build costs may rise again, and what buyers, sellers and investors should do next. They cover weak auctions, slowing construction, tight rental markets, and the practical decisions facing first-home buyers, upgraders and investors in a softer market. Resources for this episode Ask a question (select the Property podcast) Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, host David Hamilton is joined by one of the leading Mortgage Brokers in Australia, recently placing in the top 3 of loans settled out of 10's of thousands of brokers, Chris Bates from AlcoveIn this chat, we discuss the following:- Chris' extensive background and how it's helped his business today- Chris' experiences, lessons and advice for anyone in the property industry   - The biggest LIES you've been sold as a consumer in property and the mortgage broking space - The Alcove difference: How he stands out in a sea of 20,000+ brokers - Home owners, investors, government incentives - how it will impact YOU. - Where Chris see's the market moving in 2026 and beyond - Much, much more!If you want to check-out more of the work Chris does, have a look here: https://www.alcove.com.au/Looking to invest in property yourself? Why not join a team of 9 experts who have experience across 35,000 property transactions over a combined 135 years in the field. We've put together the Property Investment Course for people who want to learn how to buy and build a portfolio, without paying $25k for buyers agents. To learn more, checkout:www.everythingproperty.auFacebook: http://facebook.com/everythingproperty.auInstagram: http://www.instagram.com/everythingpropertyLinkedIn: http://linkedin.com/everythingpropertyDisclaimer: The topics, conversation, opinions and discussion provided in this episode  are general in nature. As a listener you should not take or use the information discussed as financial advice. Everything Property and its associates recommend that you always engage in independent financial advice before making any investment or purchasing decision.

Pete Wargent and Chris Bates break down the latest fuel shock, rising inflation risk and shifting rate expectations, and what it means for the Australian property market. They connect the macro pressure to what is happening on the ground — tighter listings, rising build costs, weaker sentiment and the early signs of a split market — and outline how buyers, sellers and investors can navigate what could be a difficult stretch into late 2026. Together they discuss – Fuel shock intensifying: shortages emerging and diesel pushing above $3 per litre– Fuel excise cut unlikely to offset rising costs as supply remains constrained– Markets now pricing rates toward 4.6% – 4.85%, with further hikes expected before easing– Build feasibility deteriorating– Consumer confidence collapsing– Two-speed market forming: entry-level demand holding, premium segments weakening– Housing shortfall widening– Listener Q&A: portfolio strategy and capital allocation in uncertain conditions Resources for this episode Ask a question (select the Property podcast) Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Bates is a dating coach and author of The Dating Edge. In this episode, learn how to create the romantic relationships and friendships that actually fulfill you. Bates breaks down radical transparency, why male friendships matter, and how to show up as your true self (not a performing version). Whether you're dating, in a relationship, or struggling with loneliness, you'll walk away with a real framework for building friendship and life-long intimacy.

Most Australians assume they'll deal with retirement living and aged care when the time comes. The problem? By the time it does, the system has already made many of the decisions for you. In this episode, we unpack why delaying retirement and home care planning is one of the most expensive mistakes people make—not just financially, but emotionally and structurally.Veronica Morgan and Chris Bates are joined by Mitch Hiam, COO of Balance Financial Group, to explain how Australia's aged care and home care systems really work—and why recent reforms are quietly changing the rules. They explore how “Support at Home,” means testing, maintenance costs, and wait times are pushing retirees into decisions earlier than expected, often under crisis conditions.The conversation challenges deeply held assumptions about staying in the family home, downsizing, retirement villages, and intergenerational living. Mitch breaks down when home care works, when it doesn't, and why time—not money—is the real currency in preserving choice and independence later in life.This episode is essential listening for Gen X, older Millennials, investors, and anyone with ageing parents, offering a clear warning: if you don't plan your retirement living early, the system will plan it for you.Episode Highlights00:00 — Introduction to Retirement Living Decisions01:08 — Guest Introduction: Mitch Home from Balance Financial Group01:48 — Challenges Faced by Retired Homeowners04:05 — Importance of Early Planning for Home Care09:07 — Government Policy Changes and Their Impact16:00 — Financial Trade-offs and Family Dynamics24:21 — Granny Flat Agreements and Multigenerational Living26:31 — Inheritance and Financial Planning for Retirees29:52 — Planning for Future Care Needs30:29 — Making Better Property Decisions31:37 — Understanding Retirement Villages40:10 — Costs and Contracts in Retirement Villages52:26 — Final Thoughts and AdviceAbout the GuestMitch Hiam is the Chief Operating Officer of Balance Financial Group, a specialist advisory firm focused on retirement planning, aged care strategy, and later-life financial decision-making. His work sits at the intersection of pensions, home care funding, residential aged care, downsizing, retirement villages, and intergenerational arrangements.Mitch works closely with individuals and families navigating some of the most complex—and emotionally charged—decisions they will ever face. From proactive planning to crisis-driven aged care transitions, he brings frontline insight into how Australia's systems actually operate, where people get caught out, and which decisions permanently limit future options.Known for his plain-spoken, practical approach, Mitch helps Australians understand the financial reality behind retirement living—so they can make informed decisions early, rather than forced ones later.Connect with MitchMitch's LinkedInBalance Retirement & Aged Care Specialists' LinkedInBalance Retirement & Aged Care Specialists' WebsiteResourcesVisit our website:

Want the real playbook behind Division 1 College golf recruiting? Chris Bates sits down with University of Arizona Wildcats Head Coach Jim Anderson to get a candid look at NCAA Division 1 golf recruiting. They discuss roster limits, rankings, culture when coaches choose their next class—and what athletes can do to stand out without getting lost in the noise.Coach Anderson breaks down what's actually changed in college athletics and what remains timeless: a drive to compete, a tight-knit team culture, and the daily habits that make you better. He also explains how new roster limits make every scholarship decision matter and why one of his big things he looks for in a recruit is not talked about enough. If you're considering JUCO golf, you'll hear Coach Anderson speak about a clear path forward. Playing time, U.S.-based results, tough competition and a second window to be recruited can be powerful—especially if you produce week after week. Coach Anderson and Chris also focus on 'right fit' - the relationship with your coaches, the internal competition that pushes you, and weighing up NIL money.Coach Anderson and Chris also address a widespread debate: College golf vs professional golf as a teenager. Coach Anderson's verdict? The college advantage is competition: world-class courses, teammates who raise your ceiling every day and growing as a human being under college coaches who truly care about you, ultimately graduating with a degree.Hit play, get the insights, and decide with clarity. If this conversation helped, follow the show, share it with a teammate!

As 2025 comes to a close, property headlines are once again filling with bold predictions about what 2026 will bring. But rather than playing the forecasting game, this episode takes a more grounded approach — examining the forces already in motion and how they're likely to shape buyer, seller, and investor behaviour in the year ahead.Chris Bates and Veronica Morgan unpack what's really driving the market right now: persistently high interest rates, fast-rising lower-quartile prices, tight rental conditions, weak construction pipelines, and a supply side that simply isn't recovering. They explore why listings remain constrained, how first home buyer incentives and investor lending are colliding in the same price brackets, and why borrowing capacity — not confidence — is doing most of the heavy lifting.The conversation also digs into buyer fatigue versus genuine market softening, the growing influence of global uncertainty on local decision-making, and why some cities and sub-markets may actually accelerate rather than cool. Along the way, they challenge the idea that 2026 will somehow be “easier,” especially for buyers waiting for perfect clarity before acting.If you're considering buying, selling, upgrading, or investing in the next 12–24 months, this episode offers a clear-eyed framework for thinking strategically — without hype, predictions, or false reassurance.Episode Highlights00:00 – Introduction: Current State of the Property Market01:04 – Factors Shaping the Market in 202601:48 – Interest Rates and Market Predictions03:59 – Regional Market Variations05:58 – Investor and First Home Buyer Dynamics16:59 – Impact of Development and Zoning Changes22:54 – Work from Home and Regional Market Trends25:15 – Helping You Make Better Property Decisions26:07 – Introduction to Property Moves and Finance26:22 – Regional Markets Post-COVID27:14 – Current Market Sentiment and Interest Rates28:52 – Generational Wealth and Property Ownership32:00 – Bank Lending and Credit Growth36:51 – Auction vs. Private Treaty Markets43:00 – Renovation Trends and Challenges45:35 – Long-Term Property Investment Strategies49:48 – Conclusion and Future EpisodesAbout the HostsChris Bates is a mortgage broker and co-founder of Alcove, working with clients across Australia to help them navigate complex property and lending decisions. Known for his data-driven approach, Chris specialises in long-term strategy, lending structures, and helping buyers avoid costly financial mistakes.Veronica Morgan is a buyer's agent and property strategist with nearly two decades of experience advising owner-occupiers and investors. With a background in research, data analysis, and on-the-ground buying, Veronica is widely respected for cutting through market noise and focusing on fundamentals, risk, and long-term outcomes.Together, they bring a practical, evidence-based lens to Australia's property market — challenging assumptions and unpacking what actually matters.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.au

Send us a textChris Bates is a returning guest on our show! Be sure to check out his first appearance on episode 692 of Boundless Body Radio!Chris Bates has over 15 years of dedicated exploration immersing himself in the realms of diet, lifestyle, and mindset to achieve the maximum impact on the quality of life.Chris Bates is the founder of The Dating Edge community and the YouTube channel DateSmarterNotHarder, where he helps men build the life, relationships, and health they're proud of without sacrificing joy, curiosity, or integrity along the way.His journey turned into The Dating Edge: 13 Principles to Stop Wasting Time & Find the Right Woman, a book built for guys who want to date with purpose, confidence, and honesty. Today, he coaches men worldwide through his private community and 1:1 mentorship, helping them optimize dating, relationships, leadership, health, and the balance of a fulfilling life.His mission is simple: to help men become radically self-led, lead with integrity in relationships, and stop settling for less than they're capable of in life and love. He's spoken at conferences and events, been featured on over 40 podcasts, and he's just getting started.Find Chris at-https://www.batesdates.com/Amazon- The Dating Edge: 13 Principles to Stop Wasting Time & Find the Right WomanIG- @batesdatesYT- @The Dating Edge with Chris BatesFind Boundless Body at- myboundlessbody.com Book a session with us here!

Is your dating life a constant source of frustration? Learn why so many men are failing to build meaningful relationships and how modern dating is setting you up to lose from the start. In episode 836 of the Savage Perspective Podcast, host Robert Sikes sits down with guest Chris Bates to explore the deep connection between a man's health, his purpose, and his success with women. They discuss how to build a life women are drawn to, the problems with online dating, and why returning to traditional values might be the key to finding a lasting, fulfilling partnership. This conversation offers a clear path for men who are tired of the confusion and want to find a partner who complements their vision for life.Are you ready to build the strong foundation required to succeed not just in relationships, but in every area of your life? Join Robert's FREE Bodybuilding Masterclass to start your journey of becoming the man you are meant to be. Sign up here: https://www.ketobodybuilding.com/registration-2Get Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters: 0:00 - The Real Reason Men Get Healthy 1:26 - Why I Switched From Nutrition to Dating Coach 3:50 - The Challenges of a Complete Rebrand 5:35 - The Power of Brotherhood for Modern Men 6:31 - Is Only Dating One Person a Disadvantage? 8:52 - What Is "The Grass is Greener" Fallacy in Dating? 10:13 - Should You Find Yourself Before Finding a Partner? 11:16 - How to Build a Strong Foundation for a Relationship 13:08 - Why Traditional Relationship Roles Work 14:08 - The Unique Strengths of Men and Women 15:49 - Why Long-Term Thinking is Crucial in Relationships 16:36 - Who Is the Modern Dating Coach's Client? 18:06 - Why Women Want You to Approach Them in Public 18:42 - How to Stand Out in the Modern Dating World 19:07 - A Simple Strategy to Filter for the Right Partner 20:24 - Why Being Authentic is Your Greatest Advantage 21:36 - What Is the Modern Dating Landscape Like? 24:14 - Why People Are Craving Real Human Connection 25:36 - Are Dating Apps a Waste of Time? 26:32 - Why Are Divorce Rates So High? 29:15 - Will Traditional Relationships Make a Comeback? 30:42 - Why Every Man Needs a Battle to Fight 31:39 - How Modern Life is Killing Men's Testosterone 33:04 - Natural Testosterone Optimization vs. TRT: Which is Better? 37:25 - Does Your Total Testosterone Number Actually Matter? 38:26 - The Hidden Danger of TRT for Married Men 39:07 - How to Redirect Your Primal Energy for Success 40:09 - The Real Reason Men Turn to Porn 41:30 - What is NoFap and Can It Improve Your Life? 42:28 - Why Sex Has Become a Taboo Topic 43:12 - How to Break a Vice or Addiction For Good 45:49 - The #1 Skill to Make a Woman Want You 48:01 - A 4-Minute Exercise That Can Save Your Relationship 49:54 - An Inside Look at "The Dating Edge" Book 52:21 - Why Your Personal Story Is Your Greatest Asset 55:20 - People Love a Good Story 55:41 - My Worst First Date Story 59:49 - Where to Find "The Dating Edge" & Chris's Community

Two unlikely travel mates and a tour of the American South that turns into a masterclass on what college sport really demands. We bring together Jesse Williams, national champion at Alabama and Super Bowl winner, and Chris Bates, a former Oklahoma State tennis player and founder of Study & Play USA, to map the modern pathway for Australian student athletes.Across locker rooms and alumni halls, we test the myths. Is JUCO a step down or a launch pad? Does NIL change everything or just turn up the noise? Jesse cuts through with lived experience: be undeniable. Best players play, but the best people last. He shares how JUCO forged resilience, why Alabama's culture still shapes his life, and how alumni support in the U.S. feels like coming home. We talk about the transfer portal, social media pressure, and the simple truth that winning cultures value character as much as speed and strength.If you're an Aussie eyeing the U.S., this is your blueprint. We break down why data-driven combines matter, how to build a credible athletic and academic profile, and why the right mindset beats hype every time. You'll hear the line that stopped a future first-rounder in his tracks: bridge the gap between who you think you are and who you really are. It's tough-love mentorship delivered with clarity, purpose, and a clear call to action—give yourself twelve months to build the missing 10 percent.Subscribe for more stories, practical steps, and honest insight on U.S. college sport. If this helped sharpen your plan, share it with a mate who needs a push and leave a review to help others find the pathway.

On this episode I kickback with Constable Chris Bates as we talk about his accomplishment, his commitment to his city, how he occupies his time between family, giving back and supporting others.

Australia's housing shortage isn't just about planning approvals or red tape — it's about money. In this episode, commercial finance expert Jean-Pierre Gortan, Joint Founder of Simplicity Loans & Advisory, joins Veronica Morgan and Chris Bates to unpack the financial bottlenecks preventing new homes from being built, even in areas crying out for supply.Jean-Pierre draws on more than two decades of experience structuring complex, multi-lender deals to explain why so many developments are stuck in limbo. From Parramatta to Penrith, he reveals how post-COVID construction cost blowouts, tighter lending standards, and broken feasibility models have made many projects impossible to fund — even with demand at record highs.They discuss how non-bank lenders are filling the void left by traditional banks, why build-to-rent projects still struggle to stack up in high-cost cities like Sydney, and what state governments are doing through rezoning, TOD corridors, and density incentives to unlock supply. Jean-Pierre also shares insights into how the market differs between NSW, Victoria, and Queensland, and what policy shifts could finally make housing delivery viable again.This is a candid, ground-level look at the economics of housing supply — and a reminder that Australia's housing crisis won't be solved by planning reforms alone, but by rethinking how development is financed.Episode Highlights00:00 – Introduction02:12 — How COVID Cost Blowouts Crushed Feasibility03:51 — When Projects Don't Stack Up Financially05:22 — Why Government Fixes Aren't Solving Supply15:38 — Non-Bank Lenders: Who's Funding Projects Now18:02 — Developers Adapting to a Tougher Market21:32 — How Finance Shapes Future Housing Supply25:53 — Residential vs Commercial: Shared Challenges26:27 — Why Banks Pulled Back from Construction Loans28:18 — Can Government Programs Reignite Building?29:48 — Pre-Sales Pressure: A Hidden Project Killer31:10 — Quality, Oversight, and Building Regulation Costs32:39 — Red Tape and Rezoning: The Slow Path to Supply36:40 –  Transport Oriented Development (TOD) and LMR Zones43:08 — Property Dumbo: Overconfidence in Feasibility44:45 — Final Thoughts: Funding and the Road AheadLinksJean-Pierre Gortan (website bio)LMR ViewerAbout the GuestJean-Pierre Gortan is the Joint Founder of Simplicity Loans & Advisory and one of Australia's most respected figures in commercial finance. A back-to-back winner of the Australian Broker of the Year Award by MPA Magazine, Jean-Pierre has built a national reputation for solving some of the country's most complex funding challenges with creativity, precision, and integrity.With more than two decades of experience across property, business, and development finance, he has been instrumental in steering Simplicity's growth into one of Australia's leading independent advisory firms. His expertise lies in structuring sophisticated, multi-lender transactions — from nine-figure refinances to bespoke development facilities — all with a focus on delivering exceptional client outcomes.Beyond finance, Jean-Pierre is a passionate advocate for community causes, having raised hundreds of thousands of dollars through initiatives such as the Larapinta Stage Race, the CEO Sleepout, and his ongoing support for the Women's Resilience Centre. A...

This is an edit of a special event, ahead of the new First Time Buyer Scheme launching 1st October 2025, as I am joined by the CEO of Alcove Mortgage Brokers, Chris Bates who over the past 11 years, has helped 1,000s of clients navigate the challenge of successfully buying their first home. Purchasing not … Continue reading "DFA Live Q&A HD Replay: Avoiding The First Time Property Trap: With Chris Bates"

Straight No Chaser. That's the title of a Thelonious Monk composition, and also a quartet that plays Monk. Kavyesh Kavyraj plays the piano, Chris Bates the bass, Chris Thomson the sax and Joey Phillips the drums. The group plays at Berlin in Minneapolis Friday August 29 at 7:30pm. When Phil Nusbaum talked to Kavy and Chris about the quartet, he asked why the focus on Monk, and Chris was the first to respond.

Want more buying power in today's property market? Our mortgage broker Chris Bates joins us to share strategies for boosting your deposit, and what you can borrow.We also cover:Clearing debt and improving your financial profileSmart ways to grow your depositIf you'd like to chat to Chris, simply complete this form.—------Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group.—------Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing - we've got you covered.Keep up with the news moving markets with our daily newsletter.We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email—------Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRScreen the market with GuruFocusResearch reports from Good ResearchTrack your portfolio with Sharesight—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Chris Bates sits down with former college tennis athlete Tayah Cross, to discuss one of our most requested topics: the process of studying in a US college and then returning back to Australia to practice as a physio. Unlike the direct entry Australian model, Tayah's journey took her from an undergraduate kinesiology degree with a minor in French from the University of North Carolina at Greensboro, to a Doctor of Physiotherapy at Bond University, culminating in a prestigious clinical placement at Stanford University where she worked with collegiate athletes—coming full circle in her educational journey.Tayah discusses the varying classes she originally took in her freshman and sophomore year and how the flexible US college system supported her to try different courses before landing on kinesiology. She also reflects on how her experience as a college athlete has enabled her to become a fantastic physio, relating her own life experiences to many athletes she treats in her professional world.

Today Caleb Stevens sits down with Chris Bates from Agora Eversole for a wide-ranging conversation on bank marketing. DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. – Member FDIC

In episode 109, Ste is joined by Chris Bates to discuss all things dating in 2025. Chris breaks through the doom and gloom to offer valuable lessons on how to approach women, what makes the best first date, and how to navigate the challenges of online and in-person dating.  Ste and Chris also take a deep dive into how your health impacts your dating life, how to embrace uncertainty, and the key to building meaningful relationships in a digital world.  Radical Health Radio is produced by Heart & Soil, a beef organ supplements company helping hundreds of thousands of people achieve radical health. Heart & Soil was founded by Dr. Paul Saladino, a double board-certified MD and founder of the animal-based eating philosophy. Visit heartandsoil.co to reclaim your birthright to radical health with the most nutrient-dense foods on the planet.