The State of the Economy: Government Spending and Interest Rates
Release Date: 09/09/2024
If You're a First Home Buyer, You're 100% Making These Mistakes (Australia 2025)
Talk Property To Me Podcast
Buying your first home in Australia? Chances are, you're making at least one of these costly mistakes — and it could be the difference between getting approved or getting rejected, overpaying or negotiating like a pro. ...
info_outline
Australia Election 2025: What It Means for the Property Market
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the potential impact of Australia’s upcoming federal election on the housing market, lending conditions, and investor confidence. From proposed tax reforms to housing affordability policies, they explore what a change in government—or a mandate to stay the course—could mean for everyday buyers, sellers, and property investors. 🔍 What You’ll Learn: ✅ Key election policies that could reshape the real estate landscape ✅ How political uncertainty affects buyer behavior and market sentiment ✅ What...
info_outline
Trumps Tariffs and How It Will Affect The Australian Property Market
Talk Property To Me Podcast
In this episode of Talk Property To me, hosts Brad East and Aaron Downie explore the impact of Trump's tariffs on the Australian property market and self-managed super funds (SMSFs). We begin by discussing Trump's use of tariffs as a negotiation tool, particularly with China and the U.S., and how these policies have led to significant volatility in global markets, including a $71 billion loss in the ASX. While the direct effects on Australia have been limited, we highlight the challenges faced by Australian e-commerce businesses reliant on Chinese goods now subject to steep tariffs. The...
info_outline
How to Build $500K in Passive Income by Investing in Commercial Property (In Just 7 Years!)
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie dive into the world of commercial real estate with Steve Palise, Australia’s top commercial property expert. Discover whether commercial investing is the key to passive income or a hidden risk—and learn how to navigate this lucrative market. 🔍 What You’ll Learn: ✅ Residential vs. Commercial – Which offers better cash flow and capital growth? ✅ Lease Structures & Net Yields – Why tenants cover all outgoings (unlike residential). ✅ Deposit Hurdles & Finance – Why 30-35% deposits are standard...
info_outline
Rental Market Crashing In 2025? Here's What You Need To Know
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest rental market trends in Australia for 2025. With rental prices dropping in key areas across Sydney, Brisbane, and Melbourne, what does this mean for renters and landlords? We analyze the PropTrack report from September 2024, which reveals that many Local Government Areas (LGAs) in Sydney are now seeing renters paying below advertised rents. Suburbs like Woollahra, North Balgowlah, and McLeod (Melbourne) have experienced significant rent declines, while Brisbane’s rental prices have dropped by 5-7%....
info_outline
How Much Do Rate Cuts Affect Borrowing Power
Talk Property To Me Podcast
Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive deep into the impact of recent RBA rate cuts on your borrowing capacity and mortgage repayments. We kick things off by discussing the common sentiment we've heard from potential buyers: "I'm going to wait for rates to go down before I make a purchase." We aim to break down this mindset and illustrate the opportunity cost of waiting in the current market. To provide context, we present a simple case study featuring a couple with no children, each...
info_outline
Navigating the Melbourne Property Market: Insights with Emily Wallace
Talk Property To Me Podcast
In this episode of "Talk Property," hosts Brad East and Aaron Downie welcome Emily Wallace, a seasoned buyers' agent based in Melbourne, to discuss the dynamic property market in the city. With a focus on the current trends, challenges, and opportunities, Emily shares her insights on the Melbourne real estate landscape, particularly for first-time home buyers and investors. Key Highlights: Introduction to Emily Wallace: Emily introduces herself as the director of a buyers' agency in Melbourne, where she assists first-time buyers and families in navigating the property market. She emphasizes...
info_outline
Interest Rate Predictions: Will We See a Cut This February?
Talk Property To Me Podcast
Welcome back to another insightful episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the current economic landscape in Australia, focusing on the latest trends in inflation and interest rate predictions. We kick off the discussion by examining the recent decline in Australia's inflation rate, which has dropped to 2.5% in the December quarter from 2.8% in the previous quarter. We break down the components of inflation, distinguishing between goods inflation (currently at 0.8%) and services inflation (still high at...
info_outline
7 Australian Property Market Trends You Can't Ignore In 2025
Talk Property To Me Podcast
Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In today's episode, we dive into seven significant trends reshaping the property market as we look ahead to 2025. We kick off the discussion by highlighting the rise of millennials as the largest adult cohort in Australia. This demographic shift is crucial as millennials have different preferences compared to previous generations, particularly when it comes to property. They are leaning towards smaller homes closer to urban centers, which ties into our fourth trend: shrinking...
info_outline
2024 Property Market Wrap-Up: Insights and Trends
Talk Property To Me Podcast
Welcome back to another episode of Talk Property to Me! I'm your host, Aaron Downie, and alongside me is my co-host, Brad East. In this episode, we dive into a comprehensive wrap-up of the property market for 2024, discussing the performance of major capital cities and regional centres across Australia over the past year. We kick things off by addressing the financial landscape, noting that the cash rate has remained unchanged at 4.3% since November 2023. This stability has led to a rather uneventful year in terms of interest rates, yet we highlight some remarkable growth in property values,...
info_outlineIn this episode of Talk Property To Me, we delved into the current state of the economy with the help of Joel Griffiths, an experienced accountant from Leenane Templeton. Joel, with nearly 25 years in the industry, provided valuable insights into the economic landscape and the impact of government spending on various sectors.
The discussion revolved around the recent inflation figures, disposable income, and productivity trends. We explored the question of whether the economy is in a recession, potentially masked by government spending, and the implications of further rate increases.
Joel highlighted the role of government spending in driving economic growth, particularly in the context of the upcoming election. We analysed the impact of high interest rates on rent prices and the challenges faced by households in managing utility costs amidst inflation.
The conversation also touched upon the disparity in household disposable income per capita compared to other OECD countries, indicating the strain on Australian households. We discussed the potential consequences of monetary policy on households and the need for a balanced approach to fiscal measures.
The podcast hosts also examined the predictions surrounding future rate increases and the dynamics of fixed rates in the market. They emphasised the importance of assessing individual financial situations and exploring refinancing options in the current economic climate.
Furthermore, the discussion extended to the retail sector, personal finance trends, and the implications of high assessment rates on borrowers. The hosts highlighted the significance of proactive financial management and the potential impact of government spending on the economy's long-term sustainability.
Overall, the episode shed light on the complex interplay between government policies, economic indicators, and individual financial decisions in shaping the current economic landscape. Joel's expertise provided valuable insights into navigating the challenges and opportunities in the evolving economic environment.
- 00:00:00 - Introduction and Background
- 00:05:30 - Government Spending and Economic Impact
- 00:10:00 - Interest Rates and Market Predictions
- 00:15:00 - Retail Sector and Household Finances
- 00:17:30 - Assessment Rates and Lender Strategies
- 00:20:00 - Government Spending for Election Purposes
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/