In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about:

👉🏾 what Microburbs actually does & who it's for

👉🏻 the most influential data point for choosing a location

👉🏼 the post-covid shift to regions & satellite cities

👉🏽 what to check first when researching a suburb

👉 what gentrification really means for growth

👉🏿 public housing thresholds and it's impact on capital growth

👉🏾 top 3 mistakes investors make when choosing location

👉🏼 supply & demand as the core drivers of growth

👉🏻 how the Microburbs platform is improving

👉 where Luke would invest right now

Check out Microburbs here: https://www.microburbs.com.au/

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

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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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In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about:

👉🏾 assessing their risk profiles and money mindset

👉🏿 using home equity wisely

👉🏻 debt recycling explained

👉 setting clear investment goals

👉🏼 balancing lifestyle with financial growth

👉🏽 borrowing capacity vs what you can handle

👉🏾 finding the right property price point

👉🏿 yield, cash flow & capital growth trade-offs

👉🏻 outsourcing vs DIY property search

👉 next-step action plan & mindset for investors

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

Grab John's book Sort Your Property Out & Get Invested: https://www.moneypodcast.com.au/store

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 this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about:

👉 buying her first place at 22 on the Gold Coast

👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash)

👉🏾 managing risk, buffers and surprise expenses

👉🏿 splitting costs and mortgages in a relationship

👉🏽 and her advice for first-time buyers in today’s market

Meg was initially going to buy a 1 bed in Sydney for $570k but instead bought a 2 bed 2.5 bath on the Gold Coast for $600k. The unit in Sydney is now valued at $600k.

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

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/

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.

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In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about:

👉🏻 their individual risk appetites

👉 why they've chosen to keep things separate

👉🏼 getting a BFA (binding financial agreement)

👉🏿 the properties they have between them

👉🏽 how they navigate shared expenses

👉🏾 planning for retirement

👉🏻 and their tips for listeners

*Names changed for privacy

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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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 this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions:

👉🏾 using redraw from your investment loan to buy ETFs

👉🏿 how to document and reset the 6-year CGT rule

👉🏻 claiming travel, tools & repairs for interstate properties

👉 repairs vs improvements - what’s instantly deductible

👉🏼 can you transfer loan splits to a new property after you sell?

👉🏽 depreciation schedules, back-dating returns & renos

👉🏾 CGT rules if you rent where you live & own an investment or move into your investment

👉🏿 renovation deductibility before vs after "available to rent"

👉🏻 redoing your depreciation report after a reno vs giving your accountant receipts

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/

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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Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle. They discuss:

👉🏾 Darren's background

👉🏿 what the 18.6 real estate cycle is

👉🏻 the four phases of the cycle

👉 where are we in the cycle right now?

👉🏼 should we expect a downturn from 2027?

👉🏾 signs that the market is changing

👉🏿 how can this be used to inform our investing strategy?

👉🏻 tip for a investor preparing for a change in the cycle

👉 recommended reads to learn more

Learn more about Property Share Market Economics here: https://propertysharemarketeconomics.com/

📘 Books mentioned 👇

One Hundred Years of Land Values in Chicago by Homer Hoyt: https://amzn.to/3CjnlD1

The Secret Life of Real Estate and Banking by Phillip Anderson: https://amzn.to/3ICnqLl

Boom Bust: House Prices, Banking and the Depression of 2010 by Fred Harrison: https://amzn.to/4o3ADvK

The Secret Wealth Advantage: How You Can Profit from the Economy's Hidden Cycle by Akhil Patel: https://amzn.to/46OiE5c

Listen to our episode with Cathy Stacey from 2021 here: Listen on Apple Podcast | Listen on Spotify

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/

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.

Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss:

👉🏻 a day in the life of a buyer's agent

👉 why invest in regional VIC?

👉🏼 Geelong snapshot

👉🏽 VIC land tax

👉🏾 Shepparton snapshot & $420k buyer case study

👉🏿 Bendigo snapshot

👉🏻 Bendigo $530k buyer case study

👉 market shifts in the last 12 months

👉🏼 Envisage Property's two-step process: strategy & sourcing

👉🏽 buying in hot markets & avoiding overpaying

Envisage Property: https://www.envisageproperty.com.au/

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/

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.

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Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on:

👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move

👉 cost of living & attitudes towards home ownership

👉🏼 rent to buy schemes & private lending

👉🏽 property taxes & state taxes

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/

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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Rach and John dig into some listener questions about:

👉🏾 funding renovations - cash, equity or future-value valuations

👉🏻 what if investors with 2+ properties had to sell

👉 converting non-tax deductible debt into tax deductible & loan splits

👉🏼 using equity to buy another investment property

👉🏽 debt recycling & selling a property that has split loans attached

👉🏻 how accurate is Commbank's Home Hub property valuation?

👉🏾 use interest-only IP loans to smash PPOR mortgage faster?

Watch this episode on YouTube: 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/

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 Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors.

👉🏾 school catchment premiums vs long-term capital growth growth

👉🏿 which school catchment had a $1.3M price difference

👉🏻 inside vs outside catchment growth comparisons over 15 years

👉 the link between school reputation and suburb growth

👉🏼 how much should school zones play into an investor's strategy?

👉🏽 school zone premiums vs private school fees

👉🏾 2025 market commentary and consumer sentiment

👉🏻 quickfire investor Q&A with Eliza

Read the Cotality report here: https://www.cotality.com/au/insights/articles/families-pay-six-figure-premiums-to-secure-homes-in-top-public-school-catchment-zones

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/

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.

The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on:

👉🏾 First Home Guarantee changes brought forward – what that means

👉🏼 FOMO and rushing into the wrong property

👉🏽 lessons from clients who lost money in hot markets

👉 buyer’s agents: when they help and when they don’t

👉🏿 how to pick assets that stand the test of time

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/

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.

Selling property isn’t always straightforward and that’s where a seller’s agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a seller’s agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in the Room podcast, and founder of Good Deeds Property Buyers, with over 25 years’ experience in real estate and has in recent years expanded her business to include vendor's advocacy. They unpack:

👉🏾 what a seller’s agent actually does

👉🏿 when you should engage one

👉🏻 common red flags when choosing an agent

👉 how they’re paid and where the value lies

👉🏼 real client stories and lessons learned

Learn more about Veronica at https://veronicamorgan.com.au/

Check out The Elephant in the Room podcast: https://www.theelephantintheroom.com.au/

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/

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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Most people buy property in their own name, but other structures might suit your strategy. In this episode Rach is joined again by Leah Hall from Lift Accounting for a deep dive into the pros and cons of holding property in discretionary (family) trusts, unit trusts, companies, and self-managed super funds. They cover:

👉🏾 discretionary (family) trusts explained

👉🏿 unit trusts and when they’re useful

👉🏻 pros & cons of buying property in a company

👉 self-managed super funds: rules, risks & benefits

👉🏼 why “your why” matters most when choosing a structure

Watch the episode with Leah which deep dives into top tax tips for investors: https://youtu.be/QQk-tuKJ3k8

Download Leah's free resources here: https://liftaccounting.au/podcast-pack

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/

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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In today’s episode, Rach chats with Alyce Lewis about her unique and inspiring journey into home ownership and building a property portfolio. By 28, she’d bought her first home, upsized to a dream lifestyle property with her partner, and added an investment to the mix. Alyce’s story shows how compromise, strategy and a dash of boldness can fast-track your goals. Alyce shares:

👉🏾 why her first home was not what she had planned

👉🏿 turning a starter home into an investment

👉🏻 selling two properties to land her dream farm

👉 how off-market deals can give you an edge

👉🏽 plus easy ways to boost your sale price

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/

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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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?

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/

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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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/

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.

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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/

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 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!

Support adults and kids impacted by domestic violence: https://www.friendswithdignity.org.au/

📘 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.

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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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.

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