Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Every year, economists, property analysts and media commentators tell us where interest rates, house prices and rents are heading next. Some forecasts will be broadly correct, many will miss the mark, and almost none will anticipate the unexpected events that eventually shape our markets. Yet property investors continue searching for certainty, which is understandable when they are committing hundreds of thousands of dollars and taking on debt that may last for decades. The danger begins when a forecast designed to describe one possible future is treated as a promise. ...
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Sydney and Melbourne house prices have just recorded their first monthly rise since April, and I think that’s an important signal for anyone wondering where our property markets are heading as we move towards 2027. Many commentators had written off our two biggest markets this year, after four interest rate rises, major changes to property taxes and a big cut in migration. Yet Melbourne led the nation in October, with house prices up 0.6% over the month, and Hobart and Sydney also moved higher. Meanwhile Brisbane, one of the stars of the last few years, recorded...
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Here's an uncomfortable question to start today's show. When your last property deal didn't go the way you wanted, when a negotiation stalled, when the market moved against you, who did you blame? The bank? The agent? Interest rates? The economy? Here's the thing my guest today has learned after coaching some of the highest performing real estate agents in this country, and now some of Australia's leading business people and even a hedge fund manager. The people who actually build serious wealth, in property, in business, in any field, almost never default to blame. They...
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For twenty years, Australia's economy has been growing. Company profits have gone up, dividends have gone up, and property values have gone up. But what if I told you that most of that growth had almost nothing to do with us getting smarter, more efficient, or more productive? What if it was really just more people? More immigration, more houses needed, more traffic, more schools, more everything, but not one dollar per person any richer for it. That is exactly what Ashley Owen, my guest today, has uncovered...
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Right now, property headlines are telling you the market is falling apart. Prices have been down in almost every capital city for months in a row. Bank economists are downgrading their forecasts. Talk of more interest rate rises before Christmas. And if you're an investor watching your portfolio value dip on paper, that news cycle feels personal. But what if I told you that the very thing that's spooking everyone right now, this run of falling prices, is actually the setup for the next property boom, not the end of one? Well, that's the view of my guest today - John...
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Melbourne property investors have endured almost a decade of disappointing growth, and the usual explanation is taxes, debt and government policy. But what if the biggest cause was the extraordinary 20-year boom that came before it? By the end of this episode, you'll understand exactly why Melbourne has underperformed for the best part of a decade, why the usual suspects, land tax, state debt, poor sentiment, probably aren't the real culprits, and why the length of Melbourne's flat patch might actually be the strongest signal yet that a powerful new growth cycle is coming....
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What if the biggest financial mistakes people make aren't about picking the wrong investment or getting the timing wrong - but about the things nobody ever sat them down and actually explained? I've spent over 50 years in property investment. I've read hundreds of books, attended countless courses, paid for mentors, and written nine books of my own. And yet, despite all of that, some of the most important money lessons took me far longer to truly understand than I would have liked. Today, I want to share those with you. Not as theory, but as the hard-won insights...
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By the time many of today's Gen Z buys their first home, Melbourne will have overtaken Sydney as Australia's biggest city. Canberra will be bigger than Newcastle. And a sleepy Victorian farming town called Warragul will have more than tripled in size. If that sounds far fetched, stick around, because today we're unpacking a piece of research that maps out every major Australian city and town all the way to 2050, and some of the findings will completely reshape how you think about where the next wave of property demand is heading It’s more than just a prediction;...
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Right now, there are two types of property investors in Australia. Those who bought before 7:30pm on the 12th of May 2026, and those who bought after it. And depending on which camp you're in, the entire economics of your next move just changed. If you already own an established investment property, you're sitting on something the government has effectively locked in for you, full negative gearing, the old rules, preserved. But here's what almost nobody's talking about. What you do with that property from here can either protect that advantage or accidentally throw...
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What if the decisions that make you feel safest as a property investor are actually the ones most likely to cost you a fortune? Waiting for interest rates to settle sounds sensible. Keeping your money in cash feels secure. Avoiding investment debt appears responsible, while buying in the same locations everyone else is talking about provides the comfort of following the crowd. Yet each of these choices can carry hidden risks. In today’s show, I want to explore one of the most important psychological traps property investors face: confusing familiarity with safety and...
info_outlineRight now, there are two types of property investors in Australia. Those who bought before 7:30pm on the 12th of May 2026, and those who bought after it.
And depending on which camp you're in, the entire economics of your next move just changed.
If you already own an established investment property, you're sitting on something the government has effectively locked in for you, full negative gearing, the old rules, preserved.
But here's what almost nobody's talking about. What you do with that property from here can either protect that advantage or accidentally throw it away.
Can you renovate it without losing your grandfathered status? Can you add a second dwelling on the same block? And when you go looking for finance to do any of it, does your bank even understand what you're trying to achieve?
In this episode I speak with Dorian Traill and by the end of this episode, you'll know exactly how to use the property you already own to build more wealth, without stepping on the very tax treatment that makes it valuable in the first place.
We examine how the new rules create different tax outcomes for existing and future property owners.
The conversation explores when renovating a grandfathered property may improve its value, depreciation benefits and investment appeal.
We also look at loan structures, deductible borrowing, construction finance and the risks of mixing personal and investment debt.
Finally, we consider subdivision, development funding and why a clear exit strategy should guide every project from the beginning.
Takeaways
• Grandfathered properties retain important negative gearing advantages
• Tax benefits cannot rescue an underperforming property
• Renovations may improve depreciation and future value
• Loan structures can protect borrowing deductibility
• Mixed-purpose debt can compromise tax deductions
• Repairs and improvements receive different tax treatment
• Demolition may affect grandfathered property treatment
• Construction finance requires careful project planning
• Larger developments may require commercial lending
• Exit strategies should guide development decisions
Chapters
02:05 - What grandfathered negative gearing actually means
06:21 - Can you renovate without losing it
13:25 - How to fund a renovation the right way
18:27 - Splitting the block and adding a second dwelling
21:13 - When lending tips over into commercial
Links and Resources:
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About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
The Michael Yardney Podcast is one of Australia’s leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer’s agent insights and investment planning
If you’re serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au