In today's Q&A John and Rach tackle some great questions around:

👉🏾 property type vs location for wealth creation

👉🏿 sell or rent out my Brissy apartment?

👉🏻 invest in property or pay off the mortgage?

👉 invest in third investment property or shares?

👉🏼 how do people fund and service multiple properties?

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Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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When love and money mix, things can get messy especially if you're not prepared. In this episode, family lawyer and mediator Kate O’Grady joins Rachelle to unpack how to protect your property and finances in a relationship. They cover:

👉🏿 the best time to seek advice from a family lawyer

👉 what to document before moving in together

👉🏽 conversations that are good to have early in your relationship

👉🏾 who binding financial agreements may suit

👉🏿 why BFAs they aren't always airtight

👉🏽 what happens if you separate?

👉🏻 how the law treats short vs long relationships

👉 how much a BFA roughly costs

Learn more or get in touch with Kate here: https://orbellfamilylawyers.com.au/

Watch this episode on Youtube: https://youtu.be/AbS_j_MQX8k

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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In today's episode John and Rach chat with Brandon Rickman aka The Flip Genius about what it’s really like flipping houses in the US. With 25 years of experience and over 500 flips under his belt, Brandon breaks down how he finds deals, funds renovations, and builds wealth in a market that operates very differently to ours. They chat about:

👉🏾 how flipping works in the US (and why it’s more common)

👉🏿 the 3-step method: find, fund, flip

👉🏻 how 12–14% interest rates still make sense for flippers

👉 cash flow vs capital growth: which one Americans chase

👉🏼 what Aussie investors can learn from the US model

Watch this episode on YouTube here: https://youtu.be/Nc9XlgX6LHw

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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In today's episode John and Rachelle break down the latest tenancy law changes across every Aussie state and territory. Staying across these updates is crucial, whether you're a tenant or landlord!

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📘 Sort Your Property Out & Build Your Future: https://www.moneypodcast.com.au/resources#books

Book a clarity call with John Pidgeon or learn more about his BA service: https://www.envisageproperty.com.au/

Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast.

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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We asked what you wanted to know and you delivered. John and Rachelle answer your questions:

👉🏾 why don’t some banks pass on rate cuts?

👉🏿 can you use 100% equity to purchase an investment?

👉🏻 are there still neutrally and positively geared properties in this market?

👉 how much growth is enough to consider selling a property?

👉🏼 apartment vs townhouse in Sydney for PPOR

👉🏽 regional locations to purchase an investment for $450-700k?

👉🏾 borrowing 100% for a new PPOR - good or bad?

👉🏿 should I prioritise short-term buying opportunities vs sticking to a long-term strategy

👉🏻 sellers agents - what are they and are they worth it?

👉 can self-funded retirees still get a mortgage?

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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Eloise and Liam are rentvesting while living in Sydney and have built a $3 million+ property portfolio in just four years. In this episode, Eloise shares the practical steps they took to get started, build momentum and make strategic decisions along the way with the long term goal of financial freedom. From using her finance background to assess borrowing capacity and equity, to teaming up with a buyer’s agent and locking in fixed rates at the right time, she breaks down exactly how they did it, touching on:

👉🏽 saving and mindset from a young age

👉🏼 how working at a bank gave her a head start

👉🏾 buying two properties within two months

👉 the numbers behind their $280k equity release

👉🏿 why they held for 3 years and then bought again

👉🏽 the role of a broker and buyer’s agent in their success

👉🏼 lessons learned (and what they’d do differently)

Learn more about John's buyer's agency service: https://www.envisageproperty.com.au/

Need clarity on your property situation? Book a clarity call with John: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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Thinking about building a new home or doing a knockdown rebuild? Rachelle chats with new home specialist Kerri-Ann Hooper from Carnelian Projects to unpack all the hidden costs, traps in building tenders and all the ways to avoid making costly mistakes. They cover:

👉🏾 why display home fittings often aren’t included

👉🏽 why you should be wary of builder discounts and gifts

👉🏿 what a building tender is and what to check

👉🏻 the difference between turnkey and non-turnkey builds

👉 red flags in knockdown rebuilds

👉🏼 the real cost to build in 2025

Learn more about Carnelian Projects here: https://www.carnelianprojects.com.au/

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

What happens when one person’s keen to build wealth and the other just isn’t there yet? In this episode John and Rach unpack how couples can better understand each other’s financial mindset, and how to make progress without dragging anyone kicking and screaming. They talk about:

👉🏼 the importance of timing and delivery when talking about money goals

👉🏿 why shared end goals matter more than shared bank accounts

👉 practical ways to move forward when you're not financially aligned

👉🏽 how real couples have overcome financial friction

this is property is proudly brought to you by:

Solvere Wealth: https://www.solverewealth.com.au

Sphere Home Loans: https://www.spherehomeloans.com.au

Grab a copy of John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M

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Interest rates are dropping, but what does that actually mean for your repayments, your mental game, and your next property move? John and Rachelle unpack the physical and psychological impacts of a falling rate environment, what buyers need to know right now, and the smart (and risky) choices many Aussies are facing. They touch on:

👉🏽 how much repayments could drop with more cuts

👉🏿 the mental shift of feeling “richer” and its risks

👉 when it does make sense to sell an investment property

👉🏼 why some investors are holding tight (and why some aren’t)

👉🏽 how much your borrowing power may increase per rate cut

👉🏾 a warning about fixing your loan right now

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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It’s EOFY, so we’re bringing you a value-packed episode to help investors prep for tax time and plan ahead. Rach is joined by Leah Hall from Lift Accounting to run through her top tax tips, common mistakes to avoid, and the smartest ways to reduce holding costs, boost deductions, and time your sales for maximum benefit. They touch on:

👉 top tax tips for property investors

👉🏽 how to reduce the real cost of holding property

👉🏼 the benefit of a depreciation schedule

👉🏾 PAYG variations, prepaying interest & timing sales

👉🏿 what to know before refinancing, redrawing or selling

👉🏻 structure chat: trust vs personal name vs SMSF

Download the free resources for this episode at https://liftaccounting.au/podcast-pack

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode was recorded before May rate reductions. They cover:

👉🏾 switching from principal & interest to interest-only repayments

👉🏿 using PAYG withholding adjustments to improve cash flow

👉🏻 using separate offset accounts to track property performance

👉 using equity or cash to build in a holding cost buffer

👉🏼 reviewing your portfolio to identify poor performers

👉🏽 understanding the trade-offs between growth and affordability

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

John and Rachelle go back to basics in this episode, answering common questions about buying your first investment property. From whether to buy a house or a unit, to what kind of loan structure and team you need, they break it all down. Plus, two real-life listener stories that show how different paths into the market can still lead to solid outcomes. This episode covers:

👉🏻 how to choose the right type of property

👉 house vs unit: what’s better for investing?

👉🏽 how much deposit do you really need?

👉🏾 interest-only vs principal & interest loans

👉🏿 where to invest: close to home or interstate?

👉🏻 capital growth vs. rental yield

👉 new vs. established properties

👉🏼 upfront and ongoing costs to factor in

👉🏾 when to consider a trust structure

👉🏽 who should be in your property team

This is a sponsored episode. Find out more at terrischeer.com.au and remember before buying this insurance issued by Terry Scheer, read the PDS and TMD and consider whether it's right for you.

Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.com

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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The election's over and Labor's locked in for another term, so what does that mean for home buyers and investors? John and Rach break down the key policies on the table and how they could impact the market over the next few years. They cover:

👉🏾 universal 5% deposit changes (no income cap!)

👉🏿 why January 2026 could trigger a demand surge

👉🏻 shared equity scheme pros and cons

👉 new builds vs established areas: what to consider

👉🏼 build-to-rent incentives and rental market shifts

👉🏽 foreign investor restrictions now in effect

👉🏾 how interest rate drops could change your borrowing power

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Check out John's investment buyer's agency here: https://www.envisageproperty.com.au/

Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, John and Rach break down the three main options for upsizing your home. They also cover the emotional and financial realities of upsizing, why bridging loans get a bad rap, and how to test if you’re really ready for a bigger mortgage. Using real client stories, they unpack:

👉🏾 selling before you buy

👉🏻 buying before you sell (with or without a bridging loan)

👉🏼 negotiating a simultaneous settlement

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Today, John officially welcomes mortgage broker Rachelle Kroon as a permanent host on this is property! She's the founder of Sphere Home Loans and has been a familiar voice on the show over the years, so if you guessed it might be her, nice work! She knows her stuff and fits right in. To kick things off, John and Rach dive into a Q&A covering:

👉🏻 sibling or friend guarantees - are they even possible?

👉🏼 location or property type - which is better?

👉🏽 what makes a ‘good’ street when buying property?

👉🏾 are there any legal issues around parental guarantees?

👉🏿 I'm 52, should I use equity to invest in property or my super?

👉 choosing the right tradies for the job

👉🏼 how do I know if I should buy a forever home or stepping stone?

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Need a mortgage broker? Check out Sphere Home Loans: https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today’s episode Rach from Sphere Home Loans returns to share a real client case study about Nicole, a young woman who started her property journey solo and made some smart early moves. With the help of a parental guarantee, Nicole built a two property portfolio before meeting her partner. But when it came time to buy their dream home together, things got complicated.

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today’s episode, Rach Kroon from Sphere Home Loans joins John on the pod to share her personal property journey. From getting into the market at a young age to building a diverse portfolio with duplexes, rentvesting, parental guarantees and commercial property in super, Rach shares the strategies, mindset shifts and money lessons she learned along the way.

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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After nearly five years and countless episodes, Em is hanging up the mic. In her final chat with John, she shares the five biggest lessons she’s learned about property, the industry, and herself. Thank you so much Em, you will be missed!!

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In this episode John and Emily unpack one of the biggest property questions: should you stretch for your dream home now, or take the stepping stone approach? They explore how borrowing power, lifestyle goals, location, and long-term thinking all play a role in making the right call for your first purchase. The ep touches on:

👉🏾 weighing up lifestyle vs long-term capital growth

👉🏿 understanding how fast you might outgrow a stepping stone

👉🏻 checking out your true borrowing comfort zone, not just your limit

👉 renting or trialing the area before committing to buy

👉🏼 getting clear on your goals (especially if buying with a partner)

Need clarity on your property situation? Book a clarity call with John here

Need a property professional in your corner? Check out how Emily and John can help 👇

Emily's website: https://wallaceadvocates.com.au/

John's website: https://www.solverewealth.com.au/

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To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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In today's Q&A episode John and Em tackle:

👉🏾 what to consider when buying your next property

👉🏿 how much are buyer’s advocate fees?

👉 removalists vs. DIY - what’s the best move?

👉🏻 interest rates - when will drops hit your repayments?

👉🏽 first home super saver scheme—why aren’t more people using it?

👉🏼 CGT on a duplex, stamp duty changes & more!

Need a buyer's advocate in your corner? Check out how Emily and John can help 👇

Emily's website: https://wallaceadvocates.com.au/

John's website: https://www.envisageproperty.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.