In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are ou...
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In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are ou...
In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are ou...
Shane Oliver is one of the most respected voices in Australia when it comes to the economy and financial markets. As the Chief Economist at AMP, he’s spent over four decades analysing interest rates, market cycles, and housing trends, earning a reputation for cutting through the noise with clarity and precision. In this episode, Shane breaks down exactly where we are in the current rate cycle, why affordability in Australia has become worse than ever, and how cities like Melbourne might be po...
Margaret Lomas is one of the most respected and influential voices in Australian property investing. As the bestselling author of nine books and founder of Destiny Financial Solutions, she’s spent over two decades educating everyday investors and challenging industry spruikers. In this episode, Margaret shares how she built a property portfolio from the ground up starting at nearly 40 and why beginners need to ignore the noise and focus on strategy. We dive into how to find and balance cash f...
Depreciation might not sound exciting until you realise how much money it’s leaving on the table for everyday investors. In this episode, we’re joined by Scott Brunsdon, co-founder of Depreciator and one of the first in Australia to specialise solely in tax depreciation schedules. We dive into what depreciation actually is, why so many investors and even accountants overlook it, and how one schedule can mean thousands in extra cash flow year after year. Scott breaks down how to claim on renov...
“Property investment is not just about data—it’s about building a narrative that makes sense for your goals. There’s a difference between just looking at numbers and actually understanding what they mean in the context of market cycles. Too many investors chase growth without understanding the fundamentals behind it.” - Mat Djolic Episode Takeaways: ✅Data plays a crucial role in eliminating opportunity costs by helping investors make informed decisions based on growth patterns and market cy...
“Investing in real estate isn’t about finding the next hotspot, it’s about playing the long game.” - John Comino, Bridge to Bricks Episode Takeaways: ✅Sydney remains a solid investment due to infrastructure growth, scarcity, and high demand, but affordability remains a challenge. ✅Investors should prioritise areas with government investment, such as Badgerys Creek and the Sydenham-Bankstown corridor, rather than chasing short-term trends. ✅Strata properties in Sydney can be a great starting...
“Property isn’t an entirely passive investment. You need to engage with it, understand its cycles, and leverage its advantages.” - John Comino Episode Takeaways: ✅Leverage is the game-changer. Real estate may grow slower than shares, but leveraging with loans makes property a powerful wealth-building tool. ✅Sydney real estate isn’t overpriced. When measured against inflation and gold, Sydney property is actually undervalued. ✅The 18.5-year property cycle matters. John predicts a strong marke...
"It's better to be in the market than to wait for the perfect property that may never come." Episode Takeaways: ✅ First-time buyers should evaluate their goals and financial situation before deciding between a first home or investment property. ✅ Rentvesting offers flexibility but may not always provide the same long-term advantages as home ownership. ✅Thorough research and understanding market cycles are essential for choosing the right property. Meet The Property Twins The Property Twins...
“Think long-term. Correct loan structuring from the start gives you an unfair advantage to grow your investments.” Episode Takeaways: ✅ Correctly structuring loans, such as separating owner-occupied and investment debts, can significantly reduce tax liabilities and enhance financial growth. ✅ Common mistakes like cross-collateralisation and using basic loan products without offset accounts can hinder your ability to expand your property portfolio. ✅ Standalone loan setups for each property e...
“Looking at various lenders and how they might value your investment property or owner-occupied property is critical. It's not just about finding a lender that gives the best rate; it's about finding one that allows maximum flexibility to release equity when you need it.” Episode Takeaways: ✅ Maximising equity through valuation shopping is essential for unlocking long-term growth and expanding your property portfolio. ✅ Choosing the right lender and understanding valuation types can signific...
In this episode of Property Addicts Australia, we interview William Lockett, Managing Director of Specialist Finance Group. Will shares his inspiring story of building a multi-million dollar property portfolio and an ever-expanding business empire. Learn how he got started in property, the challenges he faced, and the mindset that helped him succeed. "What you know would fill a book, what you don't know would fill a library. So regardless of age, you're always learning." Episode Takeaways: ✅...
"Don’t be tied to your lender. Look at the big picture. The banks don’t need your business more than you need them. You are playing with the rules the banks set, so navigating them strategically is crucial." Episode Takeaways: ✅You don’t need a 20% deposit to start your property journey; smaller deposits can fast-track your entry into the market. ✅Tapping into equity is a smarter and faster way to expand your portfolio compared to selling properties. ✅Partnering with an investment-savvy brok...
“What you are able to do today might be different to three to six months down the track. It's an ever-evolving thing that you make decisions with the information you have at this point in time” Episode Takeaways: ✅Prioritise finance arrangement before property search to strategically plan investments based on what you can afford. ✅Select lenders carefully to ensure flexibility and favourable terms for both initial purchases and future portfolio expansion. ✅Adopt a long-term perspective ...
“Everything’s about information. It’s all about mindset. So, all of us in the property world, we do slightly different things, but 95% of our mindset is exactly the same." - Chris Gary Episode Takeaways: ✅Success in property investing hinges on leveraging resources wisely and maintaining a long-term mindset, focusing on gradual growth over time. ✅Paying for experienced advisors often saves money and reduces costly mistakes compared to relying on cheaper or inexperienced alternatives. ...
“It's not only about the interest rate, the lowest interest rate that people keep focusing on, thinking that all banks are equal. But there's more behind the curtain. There's more to the picture, more to the story.”Episode Takeaways:✅Strategic lender selection is vital for maximising borrowing capacity and achieving growth in property investment.✅Lenders vary significantly in how they assess income components such as bonuses and commissions, impacting overall borrowing potential.✅Effective ma...
“Immigration has been a big driver for the property market... Population growth is one of the three Ps—population, productivity, and participation—which drive long-term economic growth.” - Diana Mousina Episode Takeaways:✅The Australian property market remains resilient due to housing undersupply and high immigration.✅Solving housing affordability requires increasing annual construction to 250,000 homes to meet demand.✅Brisbane, Adelaide, and Perth are expected to outperform in 2025, whi...
“The established property that we bought for $330,000 is now worth somewhere around $730,000, about 121% growth over 15 years, or 8% per annum. The unit, similar properties, are now selling for $520,000, which is about 43% capital growth in the same time frame, or less than 3% per annum. The starting point of your property journey is so important because overpaying for a property which may not grow for a very long time or stay stagnant means you won’t be able to progress." Episode Takeaw...
“The major mistake most people make, especially when they're starting out, is the herd mentality. So they're investing where everyone else is investing, rather than taking their own circumstances into account. So that's the biggest mistake - having that herd mentality and using social media as your guru to invest.” - Victor KumarEpisode Takeaways:✅Victor Kumar's journey from migrant to property mogul underscores the importance of resilience and strategic adaptability in achieving investment s...
In this episode, Sana and Mona Ali discuss the average and median super balances, motivations for investing in property through super, key steps required, and common mistakes to avoid. Learn about leveraging your super balance to purchase property, the importance of diversification, and the benefits of accessing tangible assets with rental income. Also, to get started, as part of this episode, Sana & Mona also cover the step by step process around loans setup for your SMSF.See omnys...
In this episode Sana and Mona Ali discuss how to get the right property for your investment portfolio. Sana and Mona shed light on the risks of brand new and off the plan properties, the cost of analysis paralysis and the importance of meeting the market. Sana and Mona share the common mistakes they see investors make, the right way and what you need to know. Sana and Mona also talk about what you need to watch out for to purchase investment grade properties.See omnystudio.com/listener for pr...
In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are ou...
