The Cost of Waiting: Why Delaying Property Purchase is Losing You Money
Release Date: 07/02/2024
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...
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Units vs Houses in 2026: The Investment Trend No One Is Talking About
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest debates in the Australia property market 2026: Are houses still outperforming units, or has the market completely shifted? With affordability tightening, inflation rising, and lifestyle preferences changing across Sydney, Melbourne, Brisbane and regional areas, many buyers and investors are rethinking where real long-term value actually is. In this episode, we analyse why units and townhouses are now outperforming houses in multiple LGAs, what’s driving this shift, and how buyers can...
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Building Approvals Surge, Supply Collapses! What’s Next for Australia?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Australia’s biggest issues right now: building approvals are rising, but construction output is falling — all while the country faces the largest population boom on record. Australia approved more homes than ever in 2024–2025, yet fewer houses are actually being built. In this episode, we break down the real reasons behind the housing supply crunch — from labour shortages, skyrocketing material costs and developer feasibility, to the impact of surging investor lending and record migration. We...
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40-Year & 50-Year Mortgages: The Hidden Danger No One’s Talking About
Talk Property To Me Podcast
In this episode of Talk Property To Me, Brad East and Aaron Downie break down one of the biggest debates in Australia’s housing market: Are 50-year mortgages the future of property affordability? 🇦🇺🏡 With affordability at record lows, rising interest rates, and the average first-home buyer now aged 36+, longer loan terms are gaining attention. But what does stretching your mortgage to 40 or even 50 years actually mean for your finances? Today, we analyse the real numbers, the hidden risks, and how longer mortgages impact negative equity, borrowing capacity, property prices, and...
info_outlineIn this episode of Talk Property To Me, real estate agent Luke Morrison joins Brad East to reveal the impact of compounding over decades. Luke Morrison is a seasoned real estate professional with over a decade of experience in the Newcastle market. His data-driven approach empowers clients to make informed investment decisions.
Learn how waiting a few years can mean missing out on substantial gains and why "timing the market" often backfires. Don't let fear or indecision rob you of life-changing wealth. Unlock the secrets of compounding growth and take control of your financial future now.
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Timestamped summary of this episode:
00:00:01 The Power of Compounding Growth in Property Investment
Luke Morrison explains how waiting to save a larger deposit can cost around $900,000 over a four-year period due to compounding growth in property values.
00:03:13 The Importance of Acting Now in the Property Market
Brad emphasizes the urgency of buying property now, highlighting that waiting for better conditions or interest rates can be costly in the long term.
00:06:05 The Strategy of Boomers in Property Investment
Discussion on how boomers accumulated wealth by buying property early, sitting on it, and then downsizing at retirement, showcasing the benefits of long-term property ownership.
00:07:56 Media Influence on Consumer Behavior in Property Market
Exploration of how media influences consumer behavior in response to interest rate speculations, and the recommendation to refinance home loans to benefit from lower rates.
00:09:09 Advice on Refinancing Home Loans for Cost Savings
Encouragement for homeowners to proactively refinance their home loans to secure lower rates and save money, emphasizing the importance of shopping around for better deals.
00:10:09 Uncovering Bank Tactics with Interest Rates
Banks manipulate interest rates by reducing discounts over time, urging listeners to review bank statements and negotiate for lower rates by threatening to refinance.
00:11:24 Taking Control of Home Loan Discounts
Encouragement to challenge banks for rate reductions, highlighting the potential savings and financial gains from negotiating home loan discounts.
00:12:21 Overcoming Initial Costs in Property Investment
Emphasizing the short-term costs like LMI and stamp duty are quickly offset by property value growth, advocating for taking the leap into the market.
00:13:32 Timing the Real Estate Market
Advising to enter the property market now due to predicted interest rate drops and increasing property values, discussing factors influencing market growth.
00:16:48 Long-Term Wealth Building through Property Investment
Highlighting the significance of compounding growth in property investment over 30 years, contrasting it with other investment options for long-term wealth accumulation.
ABOUT THE HOST
BRAD EAST
Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands 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
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