Why Interest Rates Affect The Australian Property Market
Release Date: 02/10/2024
Do Interest Rates Actually Fix Inflation?
Talk Property To Me Podcast
The RBA has lifted the cash rate to 3.85% (4 February 2026) — the first hike in over two years. 📈🇦🇺 But will higher interest rates actually bring inflation down… or will it just squeeze mortgage holders while prices keep rising? 💸🏠 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why they believe rate hikes won’t fix Australia’s biggest inflation drivers — especially supply-side inflation, electricity costs, government spending, and the impact of an ageing population spending more as rates rise. ⚡🧾👵 They also dive into the...
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Australia’s Scariest Property Tax? Victoria’s Windfall Gains Tax Explained (Up to 62.5%!)
Talk Property To Me Podcast
Victoria’s Windfall Gains Tax (WGT) is one of the most controversial property taxes in Australia — and many investors still don’t know it exists. 🇦🇺🏠💸 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down how the Victorian Windfall Gains Tax works, why it’s often called a “hidden property tax”, and how it can charge up to 62.5% on rezoning-related land value increases — even on unrealised gains (yes, you can get a tax bill without selling the property). ⚠️📩 If you own property in Victoria, invest in Australian real estate, buy land...
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Homeowners: This Is How You Buy Property With ZERO Deposit in Australia
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the most powerful wealth-building strategies in Australian real estate: how everyday homeowners are using equity in their existing home to buy investment properties with zero cash deposit. Most Australians assume they need years of savings to buy an investment property — but many are already sitting on usable equity without realising it. In this episode, Brad and Aaron explain step-by-step how investors are extracting equity from their owner-occupied home, structuring loans correctly, and using that...
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Scrapping CGT Discounts Could Crash Australia's Rental Market — Here's Why
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the growing debate around scrapping capital gains tax (CGT) discounts in Australia — and whether this move would actually fix housing affordability or make the crisis even worse. With mounting pressure on the government to reform CGT, many argue that pushing investors out of the market will help first-home buyers. But is that really how the Australian property market works? In this episode, we break down: 👉Why removing CGT discounts may reduce rental supply, not prices 👉Who property investors really...
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Inflation Returns to Australia—Will the RBA Be Forced to Hike?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why inflation is rising again and what it could mean for Australia’s interest rates in 2026. With electricity prices, rent and housing costs keeping inflation elevated, the big question is: will the RBA hike in February 2026, or hold and reassess mid-year? We unpack the key drivers behind the latest inflation headlines, why rate rises don’t fix electricity prices, and what the Big Four banks are predicting (with opinions split). If you’re a homeowner, investor, or planning to buy, this episode focuses on...
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These are Australia’s BIGGEST Property Sales of 2025 (Up to $82.5M!)
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Top 5 property sales of 2025 — including Sydney’s record $82.5M waterfront deal in Rose Bay, an $81M Barangaroo penthouse, and more jaw-dropping prestige sales across Vaucluse, Bellevue Hill, and Mosman. If you follow Sydney luxury real estate, waterfront homes, and high-end property investing, this episode is packed with insights on scarcity, record pricing, buyers’ agents, and how “manufacturing equity” through renovations applies from $50M homes all the way down to everyday investors. 🔍 Key...
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Newcastle & Lake Macquarie 2026: Which Suburbs Will Explode in Value?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Australia property market outlook for 2026, with a deep dive into Newcastle and Lake Macquarie. We analyse suburb-level data, long-term price trends, and the key infrastructure projects shaping growth over the next few years — including transport upgrades, hospital expansion, rezoning changes, and population growth drivers. Rather than broad national headlines, this episode focuses on where the real opportunities are forming and why some suburbs will outperform others as we move into 2026. 🔍 Key Topics...
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Buying a Home in Australia? This Is What Banks REALLY Look At
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down what banks really look at when approving a home loan in Australia — and why having a big deposit alone is no longer enough. If you’re planning to buy a home in 2025 or 2026, this episode is essential viewing. We explain how lenders assess your spending habits, credit score, borrowing power, and financial behaviour, and why so many buyers are shocked when their loan is rejected. In this episode, we cover: Why banks rely on the Household Expenditure Measure (HEM) How your spending habits impact borrowing...
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Australia Property Market 2026: Inflation High, Rates Stuck—Now What?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia’s property market moving into 2025 and 2026. We unpack the key drivers behind the RBA’s decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don’t always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home...
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Australia Property Market 2026 Predictions: Price Boom or Slowdown?
Talk Property To Me Podcast
In this episode of Talk Property To Me, Brad East and Aaron Downie break down Australia’s 2026 Property Market Forecast using the latest SQM Research Boom & Bust Report. We analyse population growth, supply shortages, dwelling completions, and city-by-city price predictions to explain what buyers and investors should expect in 2026. Australia is heading into another major year for real estate, with 390,000 new migrants, tight vacancy rates, and a national housing shortage continuing to shape prices. In this episode, we unpack why Perth, Brisbane, Darwin, Adelaide and the Sunshine Coast...
info_outlineAre you feeling the pinch of rising interest rates on your property dreams? Wondering how these changes will impact the Australian property market in 2023 and 2024?
In this episode of Talk Property to me, join hosts Casey Taylor, managing director of Tailored Property Wealth, and Brad East, award-winning mortgage broker and founder of Wise buy Home Loans, as they unpack the effects of interest rates on the Australian property market. From the shock of climbing rates to strategies for property investors and the future of borrowing costs, this episode is packed with valuable insights for homeowners, investors, and first-time buyers alike.
EPISODE AT A GLANCE
- How recent interest rate hikes impact borrowing and mortgage costs
- The surprising resilience of the property market despite financial stress. -Regional disparities in property market responses to interest rate changes.
- The effects of interest rates on property investment decisions.
- Consumer confidence and adapting to the "new normal" of higher rates. -Predictions for future interest rate movements and the role of refinancing.
- The ongoing challenges in the rental market due to increased interest rates.
- The complex relationship between interest rates and the property market.
ABOUT THE HOSTS
BRAD EAST
Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award winning mortgage broker and has helped 1000's of clients gain finance to purchase properties. Wisebuy Home Loans is the go to mortgage brokerage for clients wanting out of the box applications approved.
Website → https://wisebuygroup.com.au
LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/
Instagram → https://www.instagram.com/bradeast_mortgagebroker/
Facebook → https://www.facebook.com/bradeastofficial
CASEY TAYLOR
Casey Taylor is the Managing Director of Taylored Property Wealth who specialises in helping clients purchase high performing investment properties. Casey has a huge amount of knowledge when it comes to property investment and will be sharing this with the listeners.
Website → https://tayloredpropertywealth.com.au
LinkedIn → https://www.linkedin.com/in/wealth-property-buyersagent-investment-financialfreedom/
Instagram → https://www.instagram.com/casey.taylor_tpw_buyersagent/
Facebook → https://www.facebook.com/tayloredpropertywealth
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