First Time Property Investors - Part 1: Navigating Finance
Release Date: 08/19/2024
Australia’s HOT Regional Suburbs Under $800K! Is Regional Beating Metro?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down some of the hottest affordable regional suburbs in Australia and ask the big question: is regional property now outperforming metro markets? Using picks from the PropTrack Hot 100, Brad and Aaron unpack which regional areas under $800k actually look worth watching, which ones they agree with, and which ones they believe may be overpriced or overhyped. From Bathurst and Dubbo to Townsville, Victoria and WA, this episode is packed with practical insights for property investors, home buyers and anyone tracking the...
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Melbourne Exodus? Locals are Leaving but everyone else is moving in
Talk Property To Me Podcast
More and more people who live in Melbourne are choosing to leave it yet the city still grew by over a hundred thousand residents in a year. What is the reason for this and what does that tell us about the real estate market in Australia?
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Sydney Is No Longer Attractive for First Home Buyers. What is the alternative?
Talk Property To Me Podcast
Sydney has lost over 41,000 residents in a year. As real estate prices in Sydney are soaring people are looking for an alternative. Enter Dubbo – one of Australia’s fastest growing cities where housing is also more affordable. Dubbo has now become the number one hotspot for first time home buyers in in New South Wales.
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What Went Wrong With Australia's Affordable Housing Project?
Talk Property To Me Podcast
Did Australia make an impossible promise? 40, 000 affordable homes were supposed to be built by 2029 yet in 2 years only 2% were completed. Is it possible to finish the task? In this episode of Talk Property To Me, hosts Brad East and Aaron Downie give their thoughts on the matter and discuss the practical implications of the affordable housing promise that may never be delivered.
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The Truth About Airbnbs – Risky or Easy Profit?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down investing in Airbnb properties and the associated risks and possible gains. Can investing in Airbnb be a passive source of income? Who is your biggest competition? If you’re thinking about investing in an Airbnb or already own one - this video can help you in your decision making and the future perspective ahead.
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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...
info_outlineWelcome back to another episode of Talk Property to Me! In this episode, my co-host Aaron Downey and I dive into the world of first-time property investors in Australia, focusing specifically on the finance aspect. This episode is part one of a two-part series, with the next episode delving into the property side of things.
We kick off the episode by discussing the crucial question of how much deposit is needed for first-time property investors. We explore the concept of lenders mortgage insurance (LMI) and its impact on deposit requirements. We also touch on the option of using a guarantor to increase the deposit amount and avoid LMI.
Moving on, we delve into government schemes available for first-time homebuyers in Australia, particularly in New South Wales. We highlight schemes like the first home loan deposit scheme and stamp duty exemptions, emphasising the eligibility criteria and benefits for first-time buyers.
Next, we shift our focus to understanding how banks assess borrowing capacity for potential property investors. We break down the calculation process, including net income, living expenses, and loan repayments. We stress the importance of managing existing debts like credit cards to improve borrowing capacity.
In a thought-provoking segment, we discuss the strategy of rent vesting for individuals who cannot afford to buy property in their desired location. We explore the concept of investing in more affordable markets while renting in a preferred area, highlighting the potential benefits and considerations for this strategy.
Wrapping up the episode, we touch on the significance of financial discipline and strategic planning for aspiring property investors. We emphasise the need to assess individual financial situations, explore alternative options, and make informed decisions to achieve property ownership goals.
Join us next week for part two of our series, where we will delve into the property side of first-time property investment in Australia. Stay tuned for more insights, tips, and advice on navigating the property market as a first-time investor.
Thank you for tuning in to Talk Property to Me! Remember to connect with us on our social media platforms and reach out with any questions or topics you'd like us to cover in future episodes. See you next time!
00:00:02 - Introduction to Finance Tips for First Time Property Investors
00:02:12 - Explanation of Lenders Mortgage Insurance (LMI)
00:03:29 - Tips for Saving a Deposit
00:08:55 - Overview of Government Schemes for First Home Buyers
00:11:30 - How Banks Assess Borrowing Capacity
00:16:13 - Impact of Credit Cards on Borrowing Capacity
00:18:49 - Considerations Before Buying Property When Planning for Kids
00:21:47 - Introduction to Rent Vesting Strategy
00:25:25 - Conclusion and Preview of Part Two
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