Libsyn Directory

The Off-the-Plan Property Trap - Why the Finance Nightmare is Worse Than You Think | Dorian Traill

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Release Date: 07/22/2026

The Retirement Time Bomb Property Investors Can’t Ignore | Simon Kuestenmacher

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

What if the greatest financial risk facing you isn’t the next property downturn, another interest rate rise or even a recession, but the possibility that you live much longer than your money does? Many Australians approaching retirement are planning around a model that belongs to another generation. They assume they’ll stop working somewhere around 65 and need enough money for perhaps 15 or 20 years. But if you live into your 90s or even reach 100, your retirement could last 30 or 35 years. That means decades of rising living costs, healthcare expenses and inflation...

Property, Wealth and Happiness: Why Australians Feel Worse Despite Having More

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

What if rising property values are making Australians wealthier on paper, while leaving many of us feeling less secure, more stressed and less satisfied with life? Australia is a prosperous country, and millions of homeowners have built substantial wealth through property. Yet measures of happiness have remained flat or declined, while younger Australians increasingly feel locked out of the property market and excluded from the prosperity they see around them. In today’s show, I’m going to explore the growing divide between property wealth and personal wellbeing, and why...

Commercial Property After the Budget: Smart Strategy or Expensive Trap? | Brett Warren

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Commercial property is suddenly attracting a great deal more attention from investors. Following the recent Federal Budget changes, some residential property investors are looking at warehouses, offices and shops and wondering whether commercial property offers a safer tax environment, stronger cash flow and a better way forward. On the surface, the numbers can look very attractive, but by the end of this show, you're going to understand the real differences between commercial and residential property, the risks that most residential investors never see coming until it's too...

The Biggest Mistake Property Investors Make with Joseph Ballota

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Is now the right time to invest in property… or should you wait? Everyone wants to buy at the bottom and sell at the top. But what if trying to time the market is actually sabotaging your wealth? Today I’m joined by Joseph Ballota to discuss whether timing the property market is a good idea. And by the end of this episode, you’ll understand why long-term investors don’t try to pick the cycle… they build wealth across multiple cycles. Joseph and I discuss why trying to time property markets usually backfires, especially when headlines are loud and...

Shadow Treasurer Tim Wilson on Housing, Property Markets, Tax, Debt and Australia’s Economic Future

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten. And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it. So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you? By...

Winter Property Market Shock: Prices Fall Nationwide | Dr.Andrew Wilson

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

July has delivered the clearest evidence yet that Australia’s property market has changed direction, but the headline figures only tell part of the story. Capital city house prices fell by 1.5 per cent over the month, the sharpest national decline since August 2022, while Sydney recorded a particularly significant fall of 2.7 per cent. Melbourne house prices are now almost 6 per cent lower since the beginning of the year, and prices also declined across Brisbane, Adelaide, Perth and Darwin during July. Yet look beneath those monthly figures and Australia still has...

Property Investors: The Inflation Number You're Told Is Lying to You | Ashley Owen

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

You’ve probably heard the media, politicians and economists talking about “the inflation rate” as though every Australian is experiencing the same increase in their cost of living. But the official CPI figure may bear little resemblance to what is happening in your household. Because here's the uncomfortable truth. That headline number is an average. It's a blend of everything from lettuce to laptops, and if your money goes on housing, health care, insurance and electricity rather than imported gadgets and clothing, your real cost of living has probably been running well...

The Property Investment Rule Stuart Wemyss Had to Rewrite

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Most investors think the goal is to eventually build a portfolio that throws off enough passive income to live on. It sounds sensible, doesn’t it? Buy assets, collect the rent or dividends, and one day replace your salary. But what if that idea is not only outdated, but mathematically inefficient? What if chasing income too early actually leaves you with less wealth, less flexibility, and more risk in retirement? Today I’m joined by Stuart Wemyss who back in 2018, published Investopoly, built around eight golden rules for building wealth. Since...

The Off-the-Plan Property Trap - Why the Finance Nightmare is Worse Than You Think | Dorian Traill

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Right now, thousands of Australian property investors are being drawn to off-the-plan properties like moths to a flame. And I understand why. After the 2026 Federal Budget changes to negative gearing and capital gains tax, new properties are suddenly looking very attractive. The marketing is glossy, the tax benefits sound compelling, and the salespeople are convincing. But here's what those salespeople won't tell you. Signing that contract is the easy part. What happens over the next two years - and at settlement - can financially ruin you. Today, I'm chatting with Dorian...

25 Wealth Rules I Learned After 50 Years in Property (Most People Break Rule #6)

Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Today, I want to share 25, let's call them commandments, for financial wealth and success. And to get the message across best to you, I decided to do something a little different. Normally, I have a guest, but this time it will be just you and me as I share these ideas with you. These aren’t property rules, and most of them aren’t even investment rules in the traditional sense. They’re the broader truths about money and behaviour I’ve collected over the years, the ones that apply whether you’re buying property, building a business, or simply trying to retire with...

More Episodes

Right now, thousands of Australian property investors are being drawn to off-the-plan properties like moths to a flame. And I understand why.

After the 2026 Federal Budget changes to negative gearing and capital gains tax, new properties are suddenly looking very attractive. The marketing is glossy, the tax benefits sound compelling, and the salespeople are convincing.

But here's what those salespeople won't tell you. Signing that contract is the easy part. What happens over the next two years - and at settlement - can financially ruin you.

Today, I'm chatting with Dorian Traill, Senior Wealth Strategist at Metropole, who walks us through exactly how the finance side of these deals works, and more importantly, all the ways it can go catastrophically wrong.

If you or someone you know is being tempted by an off-the-plan purchase right now, you need to hear this episode before you sign anything. And even if you're not interested in buying off the plan at present, there's going to be some great tips from Dorian to help you as a property investor.

In this episode, we discuss the hidden risks of buying off the plan in today’s changing market.

We unpack why glossy marketing, tax incentives, and pre-sales can make these projects look safer than they really are.

We discuss how long settlement timelines expose buyers to finance changes, income shocks, and valuation gaps.

We explore why lender caution, oversupply, and shrinking loan ratios can derail a deal at settlement.

We also look at how contract clauses, design changes, and delayed builds can leave investors trapped in risky commitments.

Takeaways

• Off-the-plan sales help developers secure bank funding by proving enough pre-sales.

• Buyers often commit years before completion, increasing exposure to changing circumstances.

• Conditional finance approvals usually expire long before settlement arrives.

• Lenders may reject loans in oversupplied postcodes or high-rise buildings.

• A lower valuation at settlement can force buyers to find extra cash.

• Oversupply can push rents down after temporary rental guarantees end.

• Small apartments often attract fewer buyers and weaker resale competition.

• Contract variation clauses can reduce apartment size or alter finishes materially.

• If a developer fails, buyers may remain trapped in limbo.

• Tax benefits cannot rescue a poorly chosen property or weak location.

Links and Resources:

Answer this week’s trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Dorian Traill – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/

Michael Yardney – Subscribe to my Property Update newsletter here

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.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn’t just about numbers - it’s about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth
• Investor behaviour and market cycles
• Rich habits vs poor habits
• High performance mindset
• Risk management thinking
• Decision making under pressure
• Long-term investing discipline
• Overcoming fear in property markets
• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia’s property market, this podcast is for you.

More resources at:
https://propertyupdate.com.au
https://metropole.com.au

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