The Power of Equity: Building Your Property Portfolio Without a Deposit
Release Date: 10/10/2024
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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Talk Property To Me Podcast
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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! I'm your host, Brad East, and alongside my co-host Aaron Downie, we dive deep into the concept of equity and its pivotal role in property investment.
In this episode, we tackle one of the most frequently asked questions I encounter as a mortgage broker: "How can I purchase a property without a deposit if I'm already a homeowner?" We clarify that the answer largely depends on the equity you have in your current home. For those unfamiliar, equity is the difference between the market value of your property and the amount you owe on your mortgage. However, not all equity is usable, and we explain the distinction between total equity and usable equity.
Using a practical example, we discuss a hypothetical couple, John and Lisa, who own a property valued at $1.2 million with a mortgage of $500,000. This scenario reveals that they have $700,000 in equity, but due to lender restrictions, they can only access $460,000 as usable equity. We emphasize that pulling equity from your home is not "free money"—it’s essentially borrowing against your asset, and it comes with its own set of responsibilities.
We then explore the potential outcomes of John and Lisa's choices over a 25-year period. They can either do nothing and let their property appreciate, or they can leverage their equity to invest in additional properties. We calculate the potential growth of their investments, assuming a conservative 7% annual growth rate, and illustrate how their portfolio could grow significantly over time.
The discussion also touches on the importance of understanding the tax implications of property investment. We clarify that while capital gains tax is a consideration, the goal should be to generate income and wealth, not to avoid taxes. We encourage listeners to think about property investment as a means to increase their financial standing rather than merely a tax strategy.
Throughout the episode, we also address common misconceptions about equity, the importance of leveraging it wisely, and the potential for building a robust property portfolio. We highlight the benefits of investing in quality properties and the long-term advantages of starting early in the property market.
As we wrap up, we remind our listeners that the key to successful property investment lies in understanding equity, making informed decisions, and being patient as your investments grow over time.
Join us for this insightful discussion, and don’t forget to subscribe for more episodes where we break down complex property concepts into digestible insights!
- 00:00:00 - Introduction to Equity in Property Investment
- 00:00:11 - Understanding Equity and Usable Equity
- 00:01:08 - Calculating Usable Equity Example
- 00:02:54 - Releasing Equity: Options and Misconceptions
- 00:03:45 - John and Lisa's Investment Scenario
- 00:04:49 - Comparing Investment Strategies Over 25 Years
- 00:05:51 - Potential Growth of Investment Properties
- 00:08:01 - Total Value After 25 Years: A Summary
- 00:09:31 - Tax Implications of Property Investment
- 00:12:13 - The Importance of Income Generation
- 00:13:28 - Managing Debt: Good vs. Bad Debt
- 00:15:18 - Investment Property Loan Structures
- 00:18:01 - Equity Release Strategies Over Time
- 00:19:22 - Property Management: Quantity vs. Quality
- 00:20:53 - Conclusion: The Long-Term Benefits of Property Investment
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 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
AARON DOWNIE
Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron’s deep understanding of the property market and investment strategies provides listeners with invaluable insights.
Website: https://www.mackenziepropertygroup.com.au/
Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/