Forget Population Growth – This Is What Really Drives Property Prices | Stuart Wemyss
Property Investment, Success & Money | The Michael Yardney Podcast
Release Date: 01/26/2026
How Can Property Prices Keep Rising When So Many Australians Can’t Afford to Buy?
Property Investment, Success & Money | The Michael Yardney Podcast
Have you ever looked at today’s property prices and wondered, How is this even possible? How can values keep climbing when interest rates are still high, affordability is stretched to breaking point, and so many Australians feel locked out of the market? You’re not alone. It feels counterintuitive. It feels unfair. And for many, it feels completely unsustainable. But here’s the uncomfortable truth about our housing market - and it’s the part most people don’t want to hear. Property prices don’t rise because the average Australian can afford them. They rise...
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Forget Population Growth – This Is What Really Drives Property Prices | Stuart Wemyss
Property Investment, Success & Money | The Michael Yardney Podcast
If you could see one number that reliably predicts where property prices are heading next, would you want to know what it is? Well, today, you’re about to find out — and it’s not what you think. You see…most investors think population growth drives property prices… but today I’m joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who’s done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply. Our conversation highlights the need for...
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Why Brisbane Might Not Be the Best Place to Invest in Property Right Now, with Brett Warren
Property Investment, Success & Money | The Michael Yardney Podcast
Everywhere you look, people are talking about the Brisbane property market. The Olympics are coming, property prices have surged, and there’s this growing belief that Brisbane is the place to be for investors right now. In fact, it's not just Brisbane, but a whole swag of new and let me call them inexperienced buyers agents are suggesting buying in regional areas of northern Queensland. But history tells us something interesting - when everyone’s talking about a market, it’s often already too late. So, is Brisbane still a smart investment play, or has the...
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25 property investment lessons from 2025 you don’t want to forget | Brett Warren
Property Investment, Success & Money | The Michael Yardney Podcast
What if the biggest lessons that will shape property investing in 2026 have already happened, and we just need to stop long enough to notice them? Every year leaves clues. Some are obvious in hindsight, others quietly shape the next cycle without anyone paying attention. And 2025 was packed with more of these clues than most years. So today, Brett Warren and I unpack the 25 lessons from 2025 that smart property investors should carry into 2026 – the insights that help you cut through the noise, stay focused, and position yourself to thrive regardless of what the...
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How Your Wealth Really Stacks Up Against Your Generation | Simon Kuestenmacher
Property Investment, Success & Money | The Michael Yardney Podcast
Whether you’re just starting out, deep in your wealth-building years, or nearing retirement, it’s only natural to wonder: “How do I stack up compared to others?” In today's show, Simon Kuestenmacher and I look into the fascinating – and sometimes uncomfortable world of generational wealth. We discuss the current financial landscape, highlighting the wealth distribution among baby boomers, Gen X, millennials, and Gen Z. Our conversation delves into the challenges faced by each generation, the impact of intergenerational wealth transfer, and the...
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2025 Surprised Property Investors - Will 2026 Be Worse or Better? Dr Andrew Wilson
Property Investment, Success & Money | The Michael Yardney Podcast
At the end of 2025, Australian property investors were hearing two very different stories. On the one hand, we’ve seen strong price growth across most capital cities; rents were still painfully high for tenants, and auction clearance rates were holding up surprisingly well. On the other hand, we were being warned about rising unemployment, sticky inflation, higher building costs, and plenty of noise about what could go wrong in 2026. So what’s really happening beneath the headlines? And more importantly, what does it mean for investors, home buyers and property markets...
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The RBA’s Tightrope: What It Means for 2026 & What it means for Property Investors | Ken Raiss
Property Investment, Success & Money | The Michael Yardney Podcast
Today Ken Raiss and I zoom out from the noise, unpack what’s really going on beneath the surface, and help you make sense of the shifting forces shaping our economy, our property markets, and your long-term wealth. The RBA wrapped up the year with a steady hand, but the tone behind that decision has raised more than a few eyebrows. Sure inflation is easing… except where it’s not. Growth is soft… except where it matters. And the Board is hinting that some of these price pressures may be more persistent than we hoped. So the narrative of “rate cuts in 2026” suddenly...
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The Property Scorecard for 2025 - Who Won, Who Lost, Who Missed Out | Dr. Andrew Wilson
Property Investment, Success & Money | The Michael Yardney Podcast
Over the past year we’ve been told affordability would cap prices, that demand would fade, that higher costs of living would finally slow housing down. And yet, here we are – national home prices finishing the year almost 10 per cent higher, with some capital cities recording extraordinary double-digit growth. So what really happened? In today’s episode, we’re stepping away from opinions and into the evidence as Dr Andrew Wilson unpacks his end-of-December House Price Report, and it reveals not just where prices moved in 2025, but why they moved, and what that means as we...
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Property Investors: These are some things that never change in a world that never stops changing
Property Investment, Success & Money | The Michael Yardney Podcast
The world’s changing faster than ever, isn’t it? Technology, AI, shifting markets, changing values – sometimes it feels like we can’t keep up. But in a world that never stops changing… there are still some things that never change. And when it comes to building wealth through property, understanding what doesn’t change might be even more important than trying to predict what will. In today’s episode, I explore what really stands the test of time — the principles, habits, and fundamentals that never go out of fashion, even when everything else does. ...
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Living Off Your Property Portfolio – The Investor’s End Game, with Brett Warren
Property Investment, Success & Money | The Michael Yardney Podcast
Most property investors dream of financial freedom… but how do you actually live off your portfolio when the time comes? In today’s show, Brett Warren, national Director of Property at Metropole and I reveal the ‘end game’ of property investment – the steps to turn bricks and mortar into a lifestyle, how to transition from growth to cash flow, and why living off equity could be the smartest strategy of all. Our conversation highlights that property investment is not just about acquiring properties but creating a portfolio that provides financial freedom and choices in...
info_outlineIf you could see one number that reliably predicts where property prices are heading next, would you want to know what it is?
Well, today, you’re about to find out — and it’s not what you think.
You see…most investors think population growth drives property prices… but today I’m joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who’s done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply.
Our conversation highlights the need for long-term strategies and a focus on fundamentals to achieve sustainable growth in property investments.
Takeaways
· Property price growth is influenced by various factors, not just population growth.
· Lending volumes can be a better predictor of property price movements than population growth.
· Investors should be cautious of markets driven primarily by speculation.
· Consumer sentiment plays a crucial role in lending and property prices.
· Economic factors like interest rates significantly impact lending volumes.
· A high proportion of investors in a market can signal potential risks.
· Understanding market cycles is essential for long-term property investment success.
· Focus on long-term fundamentals rather than short-term trends.
· Successful property investment requires a coordinated strategy across financial services.
Chapters
01:46 – Why the Last Five Years of Property Data Can Mislead Investors
04:40 – Lending Volumes vs Population Growth: What Really Drives Prices
08:20 – Cash Buyers, Investor Ratios and Market Stability
11:38 – Sentiment, Employment and the Factors Behind Borrowing Power
15:23 – State-by-State Differences and Why Markets Move Out of Sync
17:55 – How Lending Trends Predict Cycles and Help Time Your Entry
Links and Resources:
Michael Yardney – Subscribe to my Property Update newsletter here
Stuart Wemyss – Prosolution Private Clients
Read Stuart’s article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/
Stuart’s Book – Rules of the Lending Game & Investopoly
Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/