RBA Holds Rates, Inflation Still Rising! What’s Next for Australia?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest updates on Australia’s inflation, interest rates, and property market trends for 2025. Australia’s inflation remains stubbornly high, with electricity and housing costs driving prices up. Despite this, the RBA has held rates steady, and now experts are questioning when the next rate cuts might actually happen. Brad and Aaron unpack what’s really going on behind the scenes — from government policy to construction slowdowns, and how it’s shaping home prices in Sydney, Melbourne, Brisbane, and...
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Brisbane Property Market: Olympics Boom or Housing Bubble?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie dive deep into the Brisbane property market and what the upcoming 2032 Olympics could really mean for property prices, construction, and investment opportunities in Queensland. Brisbane has been one of Australia’s fastest-growing housing markets, but with construction costs still rising and thousands of new homes needed before 2032, investors and homebuyers are asking the same question — will the Olympics drive another property boom or a sharp correction?📊 In this episode, Brad and Aaron break down the real numbers...
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Unemployment Rising, Housing Falling? Australia’s 2025 Wake-Up Call
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack Australia’s biggest housing challenges right now — rising unemployment, a slowing construction industry, and a record number of luxury homes for sale in Sydney. As unemployment hits a four-year high, the RBA faces a tough decision: when will the next interest rate cut come, and what will it mean for homeowners, builders, and first-home buyers? They also explore why building completion rates are falling, how labour shortages and high construction costs are creating pressure, and what the government’s 1.2...
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Australia First Home Buyer Masterclass: How to Get Your First Property
Talk Property To Me Podcast
In this First Home Buyer Australia 2025 Masterclass, hosts Brad East and Aaron Downie from Talk Property To Me explain everything you need to know to buy your first home in Australia — from saving your deposit to getting pre-approval, choosing the right home loan, and avoiding costly first-time buyer mistakes. What you’ll learn in this episode: 💰 How to buy your first home in Australia 2025 📊 New Home Guarantee Scheme updates – unlimited places, no income cap, higher price limits 💵 Deposit options explained – 2 % and 5 % deposit loans for first home buyers 🏡...
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Mill Park Property: Australia’s Next Growth Hotspot or Risky Buy?
Talk Property To Me Podcast
Mill Park Property: Australia’s Next Growth Hotspot or Risky Buy? In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Melbourne’s most talked-about suburbs — Mill Park. They reveal whether it’s truly a smart buy in 2025 or if investors should look elsewhere. Located just 20 km northeast of Melbourne’s CBD, Mill Park offers family lifestyle appeal, strong infrastructure, and limited housing supply — but how does it really perform for investors? Brad and Aaron analyse property prices, yields, vacancy rates, and long-term ROI forecasts to uncover...
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Can You Pay Off Your Home Loan in 7 Years? The Truth Revealed.
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest questions in Australian property: Can you really pay off your home loan in 7 years? Thousands of Aussies are spending $5,000–$10,000 on mortgage courses promising “secret hacks” to pay off your home loan faster. But do these strategies actually work? In today’s show, we expose the truth behind these programs and explain what really works when it comes to paying off your mortgage early in Australia. We’ll explore weekly vs fortnightly repayments, the offset vs redraw account debate,...
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Melbourne Property Hotspots 2025: South East Growth Ahead!
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the South East Melbourne property market in 2025 — one of Victoria’s fastest-growing regions. From population forecasts to affordable housing under $800K, and long-term investment opportunities, this episode is a must-watch for both first home buyers and investors. We analyse growth suburbs like Clyde North, Officer, Pakenham, and Cranbourne, explore Melbourne’s first home buyer price caps, and reveal the best vs worst performing suburbs in the past decade. Plus, we discuss rental yields, vacancy rates,...
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Australia Property 2025: Sydney Crisis, $35K Homes & RBA Warning!
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the biggest stories shaping the Australian property market in 2025. From Sydney’s affordability crisis to the millennial exodus, we cover everything buyers, investors, and first-home buyers need to know right now. We explore the shocking gap between Sydney house prices and average incomes, the rise of regional markets like Newcastle, Central Coast, and Townsville, and even homes selling for under $100,000 in regional Australia. Plus, we discuss the RBA’s spending warning, why 61% of first-home buyers are...
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Is Central Coast NSW Australia’s Next Property Boom in 2025?
Talk Property To Me Podcast
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie analyse whether the Central Coast of New South Wales is shaping up to be Australia’s next property investment hotspot in 2025. We break down the population growth forecasts, affordability shifts, property performance, and lifestyle drivers that are influencing buyers, renters, and investors across the Central Coast. From commuter suburbs near Sydney to affordable markets under $800K and luxury waterfront homes, this episode uncovers the opportunities and risks you need to know. 🔍 Key Topics Covered: ✔️ Central...
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First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules
Talk Property To Me Podcast
Need a hand? Need some help sourcing your next investment property? 👉Book a Free Call with Aaron: Looking for some investment minded lending strategies? 👉 Book a Free Call with Brad: First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the huge changes to Australia’s property market in 2025, including the new First Home Guarantee Scheme, updates to Lender’s Mortgage Insurance (LMI), and what these shifts mean for first home buyers, investors, and the housing market....
info_outlineWelcome 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 earning $80,000 annually.
Using a Big 4 lender as our example, we analyze how a recent rate cut from 6.18% to 5.93% increased their borrowing capacity by $17,000, bringing it to $799,000. While this is a positive change, we highlight that property values have been rising, with a typical Newcastle property increasing by 5% this year alone. This means that waiting for a rate reduction could actually cost buyers more in the long run, as property prices continue to climb.
We also speculate on the potential for another rate cut, which could further increase borrowing capacity to $820,000. However, we emphasize that many homeowners may not even be aware of their current interest rates, with over 41% of Australians not knowing what they are paying. We challenge our listeners to check their rates and consider the significant savings that could be achieved by refinancing.
Throughout the episode, we stress the importance of acting promptly in the property market. We discuss the compounding effect of property investment and how waiting for the "perfect" moment can lead to missed opportunities. We encourage listeners to adapt to the current market conditions and make informed decisions based on their borrowing capacity.
As we wrap up, we provide insights into how rate reductions affect mortgage repayments, illustrating the savings across various loan sizes. We also share tips on how to negotiate better rates with banks and the importance of not being loyal to lenders who may not have your best interests at heart.
Join us as we unpack these critical topics and empower you to take control of your property journey. Don't forget to reach out to us on social media with your questions or comments—we're here to help! Thank you for tuning in, and we look forward to seeing you in the next episode!
- 00:00:00 - Introduction to RBA Rate Cuts and Borrowing Capacity
- 00:00:13 - Opportunity Cost of Waiting to Buy
- 00:00:34 - Case Study: Borrowing Capacity of a Couple
- 00:01:23 - Impact of Rate Cuts on Borrowing Capacity
- 00:02:35 - Market Growth vs. Increased Borrowing Capacity
- 00:03:38 - The Importance of Knowing Your Interest Rate
- 00:04:46 - The Cost of Waiting to Buy Property
- 00:06:48 - Adapting to the Current Market Conditions
- 00:08:08 - Understanding Compounding in Property Investment
- 00:09:14 - Investing for the Long Term
- 00:10:16 - Avoiding Ego-Driven Investments
- 00:10:27 - Effects of Rate Reductions on Loan Repayments
- 00:11:07 - Savings from Rate Reductions Explained
- 00:12:20 - The Importance of Knowing Your Current Rate
- 00:13:07 - Negotiating with Your Bank for Better Rates
- 00:14:01 - Understanding Bank Loyalty and Discounts
- 00:15:02 - The Role of Algorithms in Bank Rate Adjustments
- 00:16:18 - Avoiding Loyalty to Banks
- 00:17:17 - Conclusion and Call to Action
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/