Talk Property To Me Podcast
Welcome to Talk Property To Me – your go-to channel for everything related to real estate, finance and property investment. Dive deep with us as we chat about the property market, offering expert insights, practical tips, and real-life experiences. Whether you’re a first-time buyer, seasoned investor, or simply property-curious, we’re here to break down the jargon and chat about the world of bricks and mortar. Join us for engaging discussions, interviews with industry professionals, and success stories from the property realm. Don’t forget to subscribe and become a part of our growing community, where property talk never stops! JOIN OUR FACEBOOK GROUP AND GET EXCLUSIVE CONTENT ABOUT ALL THINGS FINANCE & PROPERTY IN AUSTRALIA → https://www.facebook.com/groups/talkpropertytome
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Australia’s HOT Regional Suburbs Under $800K! Is Regional Beating Metro?
04/24/2026
Australia’s HOT Regional Suburbs Under $800K! Is Regional Beating Metro?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down some of the hottest affordable regional suburbs in Australia and ask the big question: is regional property now outperforming metro markets? Using picks from the PropTrack Hot 100, Brad and Aaron unpack which regional areas under $800k actually look worth watching, which ones they agree with, and which ones they believe may be overpriced or overhyped. From Bathurst and Dubbo to Townsville, Victoria and WA, this episode is packed with practical insights for property investors, home buyers and anyone tracking the Australian property market in 2026. If you’re researching affordable suburbs in Australia, regional property investment, or looking for the best regional markets with strong growth potential, this episode will help you think more clearly about where the real opportunities may be — and where extra caution is needed.
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Melbourne Exodus? Locals are Leaving but everyone else is moving in
04/03/2026
Melbourne Exodus? Locals are Leaving but everyone else is moving in
More and more people who live in Melbourne are choosing to leave it yet the city still grew by over a hundred thousand residents in a year. What is the reason for this and what does that tell us about the real estate market in Australia?
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Sydney Is No Longer Attractive for First Home Buyers. What is the alternative?
04/03/2026
Sydney Is No Longer Attractive for First Home Buyers. What is the alternative?
Sydney has lost over 41,000 residents in a year. As real estate prices in Sydney are soaring people are looking for an alternative. Enter Dubbo – one of Australia’s fastest growing cities where housing is also more affordable. Dubbo has now become the number one hotspot for first time home buyers in in New South Wales.
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What Went Wrong With Australia's Affordable Housing Project?
03/12/2026
What Went Wrong With Australia's Affordable Housing Project?
Did Australia make an impossible promise? 40, 000 affordable homes were supposed to be built by 2029 yet in 2 years only 2% were completed. Is it possible to finish the task? In this episode of Talk Property To Me, hosts Brad East and Aaron Downie give their thoughts on the matter and discuss the practical implications of the affordable housing promise that may never be delivered.
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The Truth About Airbnbs – Risky or Easy Profit?
03/11/2026
The Truth About Airbnbs – Risky or Easy Profit?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down investing in Airbnb properties and the associated risks and possible gains. Can investing in Airbnb be a passive source of income? Who is your biggest competition? If you’re thinking about investing in an Airbnb or already own one - this video can help you in your decision making and the future perspective ahead.
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Do Interest Rates Actually Fix Inflation?
02/23/2026
Do Interest Rates Actually Fix Inflation?
The RBA has lifted the cash rate to 3.85% (4 February 2026) — the first hike in over two years. 📈🇦🇺 But will higher interest rates actually bring inflation down… or will it just squeeze mortgage holders while prices keep rising? 💸🏠 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why they believe rate hikes won’t fix Australia’s biggest inflation drivers — especially supply-side inflation, electricity costs, government spending, and the impact of an ageing population spending more as rates rise. ⚡🧾👵 They also dive into the rental crisis, record-low vacancy rates, and why increasing mortgage costs can flow directly into higher rents. 🏡📉 ✅ What you’ll learn in this episode: • Why the RBA hikes rates (and why it may not work) 📊 • Demand vs supply inflation (the key difference) 🧠 • Electricity prices + policy failures (21.5% YoY mentioned) ⚡ • Why mortgage holders get punished while others spend more 🏠 • Australia’s ageing population effect on inflation 👵💰 • Migration vs new home builds: why rents keep rising 🏗️ • Vacancy rates collapsing (Orange: 0.5%) 😳 • Why higher rates can push rents up again 📈🏘️ • Modular/tiny homes at Bunnings: a new supply angle 🧰
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Australia’s Scariest Property Tax? Victoria’s Windfall Gains Tax Explained (Up to 62.5%!)
02/10/2026
Australia’s Scariest Property Tax? Victoria’s Windfall Gains Tax Explained (Up to 62.5%!)
Victoria’s Windfall Gains Tax (WGT) is one of the most controversial property taxes in Australia — and many investors still don’t know it exists. 🇦🇺🏠💸 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down how the Victorian Windfall Gains Tax works, why it’s often called a “hidden property tax”, and how it can charge up to 62.5% on rezoning-related land value increases — even on unrealised gains (yes, you can get a tax bill without selling the property). ⚠️📩 If you own property in Victoria, invest in Australian real estate, buy land in growth corridors, or you’re watching rezoning changes (low density → medium/high density), this episode is a must-watch. We cover the $100,000 threshold, marginal tax rates, real examples, land tax comparisons (VIC vs NSW), exemptions, deferral options, and why this policy may impact housing supply, developers, and private investors. 📈🧾 🔍 Key Topics Covered: ✔️ What is the Victorian Windfall Gains Tax (WGT)? ✔️ How rezoning triggers a tax bill (even if you don’t sell) ✔️ Example: land value doubles → massive tax liability ✔️ The 62.5% marginal rate explained ✔️ Victoria land tax vs NSW thresholds ✔️ Exemptions & deferring payment until sale ✔️ What investors can realistically do
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Homeowners: This Is How You Buy Property With ZERO Deposit in Australia
02/04/2026
Homeowners: This Is How You Buy Property With ZERO Deposit in Australia
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the most powerful wealth-building strategies in Australian real estate: how everyday homeowners are using equity in their existing home to buy investment properties with zero cash deposit. Most Australians assume they need years of savings to buy an investment property — but many are already sitting on usable equity without realising it. In this episode, Brad and Aaron explain step-by-step how investors are extracting equity from their owner-occupied home, structuring loans correctly, and using that equity to fund deposits, stamp duty, and purchase costs — without using personal savings. This is not hype, and it’s not a “get rich quick” scheme — it’s a real-world, bank-approved strategy used by everyday “mum and dad” investors across Australia. 🔍 Key Topics Covered: ✔️ How equity actually works in Australian property 🏠 ✔️ The 80% rule and avoiding Lenders Mortgage Insurance (LMI) ✔️ When paying LMI can make sense for faster growth ✔️ Using equity instead of cash deposits 💰 ✔️ Zero deposit property investing explained ✔️ How to structure loans properly (splits & tax strategy) ✔️ Why equity release is NOT “free money” ✔️ Buffers, offsets, and risk management 📊 ✔️ The step-by-step process to buy your first investment property ✔️ Common mistakes investors make (cross-collateralisation, over-leverage, rental overestimation) ✔️ How everyday Australians build property portfolios safely
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Scrapping CGT Discounts Could Crash Australia's Rental Market — Here's Why
01/31/2026
Scrapping CGT Discounts Could Crash Australia's Rental Market — Here's Why
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the growing debate around scrapping capital gains tax (CGT) discounts in Australia — and whether this move would actually fix housing affordability or make the crisis even worse. With mounting pressure on the government to reform CGT, many argue that pushing investors out of the market will help first-home buyers. But is that really how the Australian property market works? In this episode, we break down: 👉Why removing CGT discounts may reduce rental supply, not prices 👉Who property investors really are (hint: mostly mum-and-dad owners) 👉How low vacancy rates and rising rents could worsen if investors exit 👉Why supply, not tax changes, is the real housing problem 👉The unintended consequences of targeting investors instead of building homes If you’re a home buyer, investor, or renter, this episode explains what CGT reform could mean for property prices, rents, and long-term housing affordability in Australia. 🔍 Key Topics Covered: ✔️ What is Capital Gains Tax (CGT) and how the discount works ✔️ Why scrapping CGT could reduce rental supply ✔️ The real drivers behind Australia’s housing crisis ✔️ Investors vs first-home buyers — who really drives prices? ✔️ Why building more homes matters more than tax reform ✔️ Long-term risks of political housing decisions
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Inflation Returns to Australia—Will the RBA Be Forced to Hike?
01/30/2026
Inflation Returns to Australia—Will the RBA Be Forced to Hike?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why inflation is rising again and what it could mean for Australia’s interest rates in 2026. With electricity prices, rent and housing costs keeping inflation elevated, the big question is: will the RBA hike in February 2026, or hold and reassess mid-year? We unpack the key drivers behind the latest inflation headlines, why rate rises don’t fix electricity prices, and what the Big Four banks are predicting (with opinions split). If you’re a homeowner, investor, or planning to buy, this episode focuses on practical strategy—how to think about borrowing capacity, buffers, and staying calm when the media goes “doom and gloom.” Key topics covered ✔️ Australia inflation 2026: what’s pushing it higher ✔️ RBA interest rates 2026: February hike vs hold ✔️ Why electricity costs keep inflation sticky (and why rates won’t fix it) ✔️ Rent, housing supply, vacancy rates & the pressure on the market ✔️ Big Four bank predictions and what they imply for borrowers ✔️ Practical advice: don’t max borrowing capacity + build an offset buffer
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These are Australia’s BIGGEST Property Sales of 2025 (Up to $82.5M!)
01/30/2026
These are Australia’s BIGGEST Property Sales of 2025 (Up to $82.5M!)
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Top 5 property sales of 2025 — including Sydney’s record $82.5M waterfront deal in Rose Bay, an $81M Barangaroo penthouse, and more jaw-dropping prestige sales across Vaucluse, Bellevue Hill, and Mosman. If you follow Sydney luxury real estate, waterfront homes, and high-end property investing, this episode is packed with insights on scarcity, record pricing, buyers’ agents, and how “manufacturing equity” through renovations applies from $50M homes all the way down to everyday investors. 🔍 Key Topics Covered: ✔️ Australia’s biggest property sales of 2025 (Top 5) ✔️ Rose Bay’s $82.5M waterfront record sale ✔️ Barangaroo’s $81M penthouse — why it’s worth it ✔️ Why scarcity drives Sydney’s prestige prices ✔️ Buyers’ agents at the ultra-luxury end of the market ✔️ “Manufacturing equity” with renovations (and how investors can copy it)
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Newcastle & Lake Macquarie 2026: Which Suburbs Will Explode in Value?
01/05/2026
Newcastle & Lake Macquarie 2026: Which Suburbs Will Explode in Value?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the Australia property market outlook for 2026, with a deep dive into Newcastle and Lake Macquarie. We analyse suburb-level data, long-term price trends, and the key infrastructure projects shaping growth over the next few years — including transport upgrades, hospital expansion, rezoning changes, and population growth drivers. Rather than broad national headlines, this episode focuses on where the real opportunities are forming and why some suburbs will outperform others as we move into 2026. 🔍 Key Topics Covered ✔️ Australia property market forecast for 2026 ✔️ Newcastle vs Lake Macquarie growth trends ✔️ Why suburb selection matters more than city averages ✔️ Infrastructure projects driving future price growth ✔️ Best areas for owner-occupiers vs investors ✔️ Affordability, interest rates & long-term demand ✔️ Risk profiles and sustainable growth strategies If you’re considering buying, investing, or simply want a clear, data-driven view of what’s next, this episode will help you understand where growth is coming from and why.
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Buying a Home in Australia? This Is What Banks REALLY Look At
01/05/2026
Buying a Home in Australia? This Is What Banks REALLY Look At
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down what banks really look at when approving a home loan in Australia — and why having a big deposit alone is no longer enough. If you’re planning to buy a home in 2025 or 2026, this episode is essential viewing. We explain how lenders assess your spending habits, credit score, borrowing power, and financial behaviour, and why so many buyers are shocked when their loan is rejected. In this episode, we cover: Why banks rely on the Household Expenditure Measure (HEM) How your spending habits impact borrowing capacity Why credit behaviour matters more than your deposit The hidden impact of credit cards & Buy Now Pay Later How loan enquiries can damage your credit score Why speaking to a mortgage broker can dramatically improve approval odds Whether you’re a first home buyer, upgrading, or planning your next investment, this episode will help you avoid costly mistakes and understand how lenders really think. 🔍 Key Topics Covered ✔️ Mortgage approval process in Australia ✔️ Credit score requirements explained ✔️ Borrowing power & household expenses ✔️ Why banks reject home loans ✔️ How to improve your loan approval chances
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Australia Property Market 2026: Inflation High, Rates Stuck—Now What?
12/28/2025
Australia Property Market 2026: Inflation High, Rates Stuck—Now What?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down why the RBA has held interest rates, why inflation remains stubbornly high, and what this really means for Australia’s property market moving into 2025 and 2026. We unpack the key drivers behind the RBA’s decision, including rising electricity prices, cost-of-living pressures, and why rate hikes don’t always fix inflation. The discussion also dives into the latest APRA changes, including debt-to-income (DTI) limits, tighter trust lending rules, and how these policies could impact investors, first-home buyers, and affordability across Australia. 🏠 If you’re buying, investing, or refinancing, this episode gives you a clear, no-nonsense breakdown of what’s changing — and what actually matters. 🔍 Key Topics Covered 📌 Why the RBA held interest rates again 📌 Inflation explained – electricity prices & cost-of-living pressure 📌 APRA’s new debt-to-income rules (DTI caps) 📌 Trust lending crackdown & investor risk 📌 Help to Buy scheme & shared equity risks 📌 What this means for first-home buyers & investors 📌 Australia property market outlook for 2025–2026
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Australia Property Market 2026 Predictions: Price Boom or Slowdown?
12/17/2025
Australia Property Market 2026 Predictions: Price Boom or Slowdown?
In this episode of Talk Property To Me, Brad East and Aaron Downie break down Australia’s 2026 Property Market Forecast using the latest SQM Research Boom & Bust Report. We analyse population growth, supply shortages, dwelling completions, and city-by-city price predictions to explain what buyers and investors should expect in 2026. Australia is heading into another major year for real estate, with 390,000 new migrants, tight vacancy rates, and a national housing shortage continuing to shape prices. In this episode, we unpack why Perth, Brisbane, Darwin, Adelaide and the Sunshine Coast are forecast to lead the country — and why Sydney and Melbourne may lag behind. Whether you're a first-home buyer, investor, or simply watching the market, this breakdown gives you clear, data-driven explanations behind the expected 4%–14% price growth for 2026. 🔍 Key Topics Covered ✔️ Australia Property Market Forecast 2026 ✔️ Population growth impact on housing prices ✔️ Housing supply shortage & dwelling completions ✔️ City-by-city predictions: Perth, Brisbane, Adelaide, Melbourne, Sydney ✔️ Vacancy rates, rental demand & investor activity ✔️ Supply vs demand imbalance explained ✔️ Why units may outperform houses in major cities ✔️ Inflation, interest rates & possible RBA cuts ✔️ Worst-case, base-case & best-case growth scenarios ✔️ What buyers and investors should watch in 2026 🏙️ City Forecast Highlights 🏆 Perth: 12–16% growth expected — strongest market in Australia 🔥 Brisbane: 10–15% growth, record-low listings 📈 Adelaide: Strong demand with limited supply Darwin: Major rebound driven by infrastructure projects 🏖️ Gold Coast & Sunny Coast: 7–15% growth 🏚️ Sydney & Melbourne: Slower growth due to affordability pressures
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Units vs Houses in 2026: The Investment Trend No One Is Talking About
12/16/2025
Units vs Houses in 2026: The Investment Trend No One Is Talking About
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down one of the biggest debates in the Australia property market 2026: Are houses still outperforming units, or has the market completely shifted? With affordability tightening, inflation rising, and lifestyle preferences changing across Sydney, Melbourne, Brisbane and regional areas, many buyers and investors are rethinking where real long-term value actually is. In this episode, we analyse why units and townhouses are now outperforming houses in multiple LGAs, what’s driving this shift, and how buyers can protect themselves from bad assets and identify high-performing opportunities. 🔍 Key Topics Covered ✔️ Houses vs Units in 2026 — what the data really says ✔️ Why units are outperforming in key LGAs ✔️ Affordability crisis: how inflation & income stagnation are reshaping demand ✔️ Capital growth vs rental yields — where the numbers win ✔️ Boutique developments vs high-density towers ✔️ How remote work and infrastructure are changing buyer behaviour ✔️ Scarcity: the #1 rule for picking a winning property ✔️ First-home buyers in 2026 — why units may be the smarter choice ✔️ What to avoid: risks, strata reports, build quality & supply saturation ✔️ What’s next for the Australian property market?
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Building Approvals Surge, Supply Collapses! What’s Next for Australia?
11/23/2025
Building Approvals Surge, Supply Collapses! What’s Next for Australia?
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack one of Australia’s biggest issues right now: building approvals are rising, but construction output is falling — all while the country faces the largest population boom on record. Australia approved more homes than ever in 2024–2025, yet fewer houses are actually being built. In this episode, we break down the real reasons behind the housing supply crunch — from labour shortages, skyrocketing material costs and developer feasibility, to the impact of surging investor lending and record migration. We also analyse how government planning reforms, council delays, CDC pathways and the Housing Future Fund are affecting supply, rental prices, and long-term affordability for first-home buyers and investors. 🔍 Key Topics Covered in This Episode ✔️ Why building approvals are rising but construction is falling ✔️ Labour shortages, high materials costs & builder insolvencies ✔️ Investor lending at record highs — how it affects first-home buyers ✔️ Australia’s population surge (380K → 470K) and pressure on housing ✔️ NSW planning reforms: CDC fast-track, dual occupancies & DA changes ✔️ How government policies are shaping supply, rent, and house prices ✔️ Why developers are building less despite huge demand ✔️ What needs to change to fix Australia’s housing shortage ✔️ The outlook for construction, rental markets & property prices in 2025 Australia is heading into a critical phase: approvals are up, supply is down, migration is booming, and investors are flooding the market. Understanding these factors is essential for buyers, sellers, renters and investors.
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40-Year & 50-Year Mortgages: The Hidden Danger No One’s Talking About
11/19/2025
40-Year & 50-Year Mortgages: The Hidden Danger No One’s Talking About
In this episode of Talk Property To Me, Brad East and Aaron Downie break down one of the biggest debates in Australia’s housing market: Are 50-year mortgages the future of property affordability? 🇦🇺🏡 With affordability at record lows, rising interest rates, and the average first-home buyer now aged 36+, longer loan terms are gaining attention. But what does stretching your mortgage to 40 or even 50 years actually mean for your finances? Today, we analyse the real numbers, the hidden risks, and how longer mortgages impact negative equity, borrowing capacity, property prices, and investors vs first-home buyers. 🔍 Key Topics Covered ✨ How 40–50 year mortgages really work ✨ Impact on monthly repayments & long-term interest ✨ Why banks benefit more than borrowers ✨ Negative equity risks in a falling market ✨ How longer terms affect first-home buyers ✨ Impacts on investors & borrowing capacity ✨ Will this push Australian property prices even higher? ✨ Policy contradictions: interest-only vs 50-year loans ✨ What Australia actually needs: supply, policy reform & realistic solutions Whether you're a first-home buyer, investor, or simply tracking the Australian property market, this breakdown gives you the real numbers behind one of the most controversial affordability ideas in years. 💬 Do you think 50-year mortgages would help or hurt Australia’s housing market? Drop your thoughts in the comments!
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RBA Holds Rates, Inflation Still Rising! What’s Next for Australia?
11/16/2025
RBA Holds Rates, Inflation Still Rising! What’s Next for Australia?
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 Perth. 📊 Key Topics Covered: ⚡ Why electricity and housing costs are keeping inflation high 🏗️ How labour shortages are slowing new housing supply 💰 What rising rates mean for homeowners and first-home buyers 🏠 October price surge: Perth and Brisbane leading the market 📉 Why holding rates might actually help the economy 🔮 When the Big 4 banks predict the next rate cuts 💬 Will the First Home Guarantee Scheme push prices higher? As 2025 unfolds, Australia’s housing market faces a complex mix of tight stock, high demand, and stubborn inflation. If you’re a buyer, investor, or simply following the economy, this episode gives you a clear, data-driven look at where things stand — and where they’re heading next.
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Brisbane Property Market: Olympics Boom or Housing Bubble?
11/05/2025
Brisbane Property Market: Olympics Boom or Housing Bubble?
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 — from population forecasts, LGA and suburb-level data, to vacancy rates and rental yields — revealing which areas might benefit from the Olympic investment and which are at risk of overpricing. 🔍 Key Topics Covered: 🏠 Brisbane’s 2025 property market overview 📈 LGA vs suburb data – where the real growth is 💼 The impact of the 2032 Olympics on Queensland’s economy 🚧 Construction costs, delays, and housing shortages 📉 Post-Olympic slowdown: lessons from Sydney 2000 👩💼 Demographics shaping Brisbane’s buyer market 📊 Best suburbs for long-term property investment
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Unemployment Rising, Housing Falling? Australia’s 2025 Wake-Up Call
10/29/2025
Unemployment Rising, Housing Falling? Australia’s 2025 Wake-Up Call
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 million homes target by 2029 really means for the market. 🔍 Key Topics Covered 🏠 Australia’s unemployment hits 4-year high 📉 What it means for RBA rate cuts and mortgages 💰 Luxury homes surge: 150+ listings over $15M in Sydney 🏗️ Building approvals collapse and completions slow ⚠️ Construction costs still 30–40% above pre-2021 levels 🏡 Housing target: 1.2 million homes by 2029 — can it happen? 💬 How these factors could shape property prices in 2025 💡 Why Watch If you’re a homeowner, investor, or first-home buyer, this episode helps you understand how unemployment, rate cuts, and supply shortages are shaping Australia’s property market for the year ahead. Stay informed and make smarter property decisions.
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Australia First Home Buyer Masterclass: How to Get Your First Property
10/21/2025
Australia First Home Buyer Masterclass: How to Get Your First Property
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 🏡 Property price caps: Sydney $1.5 M, Melbourne $950 K, Brisbane $1 M, Adelaide $900 K, Perth $850 K ⚖️ LMI vs First Home Buyer Schemes – when you pay it and when you don’t 👨👩👧 Using a parent guarantor to buy your first property sooner 💳 What banks really look at – income, statements, spending habits, credit score 📈 Offset vs Redraw – which loan feature helps you pay off your mortgage faster 🧠 Market research tips 🤝 How to make a strong offer and avoid first home buyer mistakes.
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Mill Park Property: Australia’s Next Growth Hotspot or Risky Buy?
10/10/2025
Mill Park Property: Australia’s Next Growth Hotspot or Risky Buy?
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 whether Mill Park can still deliver strong growth in the next decade. Key Topics Covered: ✔️ Mill Park Overview – Location, Lifestyle & Demographics 🌳 ✔️ Current Property Prices & Rental Yields (2025 Data) 💰 ✔️ Why Mill Park’s Growth Has Slowed Since COVID-19 📉 ✔️ Supply, Demand & Inventory Pressure Explained ✔️ Unit vs House Performance – Yield vs Growth Trade-off ✔️ 10-Year ROI Forecast: Is It Still Worth It? 📊 ✔️ Vacancy Rates, Hold Periods & Buyer Behaviour ✔️ Brad & Aaron’s Final Verdict on Mill Park in 2025 🏡 If you’re considering buying property in Melbourne’s northeast or looking for the next growth suburb in Victoria, this episode is packed with valuable data-driven insights for investors and homebuyers alike. 👤 About the Hosts Brad East Managing Director of Wisebuy Home Loans. Award-winning mortgage broker who has helped thousands of Australians secure finance. 👉 Website → 👉 LinkedIn → 👉 Instagram → Aaron Downie Director of Mackenzie Buyers Agency & experienced property investor. Provides practical strategies for building wealth through Australian real estate. 👉 Website: 👉 Linkedin:
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Can You Pay Off Your Home Loan in 7 Years? The Truth Revealed.
09/29/2025
Can You Pay Off Your Home Loan in 7 Years? The Truth Revealed.
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, and why some methods only save you a few years while others could save you hundreds of thousands of dollars in interest. Plus, we reveal why buying an investment property could actually be a smarter and more realistic way to pay down your home loan in under 10 years. 🔍 Key Topics Covered: ✔️ Can you pay off a mortgage in 7 years in Australia? 🏡 ✔️ Weekly vs fortnightly vs monthly repayments explained 📅 ✔️ Offset vs redraw accounts – which is better? 💳 ✔️ Why “pay yourself first” is both powerful and unrealistic 💰 ✔️ Living like a poor person vs building wealth through property 📉📈 ✔️ How a $600K mortgage actually breaks down in repayments 📊 ✔️ The truth about minimum repayments & hidden costs ⚠️ ✔️ Investment property strategy: Using equity to pay off debt 💼 ✔️ 7-year vs 10-year mortgage repayment scenarios 🔄 ✔️ Rentvesting, capital growth & long-term wealth building in Australia 🌏 📊 Why This Matters Paying off your home loan is the biggest financial goal for most Australians, but the wrong strategy can keep you in debt for decades. We reveal: How much interest Australians actually pay over 30 years 💸 Why some “mortgage hacks” are just common sense repackaged 🧐 The smarter path for first home buyers and investors in 2025
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Melbourne Property Hotspots 2025: South East Growth Ahead!
09/23/2025
Melbourne Property Hotspots 2025: South East Growth Ahead!
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, and the massive impact of upcoming infrastructure like the Suburban Rail Loop and Metro Tunnel. 🔍 Key Topics Covered: ✔️ South East Melbourne population growth forecast to 2046 📈 ✔️ Affordable housing markets under $800K for first home buyers 🏡 ✔️ Top performing growth suburbs: Clyde North, Officer & Pakenham 📊 ✔️ Worst performing areas & risks to avoid 🚫 ✔️ Prestige suburbs over $1.5M – Glen Waverley, Monash & Ashwood 💎 ✔️ Rental yields, vacancy rates & public housing impact 💰 ✔️ Infrastructure drivers – Metro Tunnel & Suburban Rail Loop 🚆 ✔️ Long-term investment outlook for South East Melbourne 🔮
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Australia Property 2025: Sydney Crisis, $35K Homes & RBA Warning!
09/15/2025
Australia Property 2025: Sydney Crisis, $35K Homes & RBA Warning!
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 missing out on properties, and which hotspot suburbs are leading the charge in 2025. 🔍 Key Topics Covered: ✔️ Sydney affordability crisis – why house prices are out of reach 🏠 ✔️ Millennial exodus – 70,000+ leaving Sydney 🚶♂️ ✔️ Houses under $100K – Lightning Ridge, Tasmania & Broken Hill 💲 ✔️ First home buyer struggles – why deposits take 6+ years ⏳ ✔️ RBA warning – spending, rates & housing impacts 📉 ✔️ Top hotspots in 2025 – Townsville, Sydney’s Southwest & more 📈 If you’re a first home buyer, property investor, or just tracking Australia’s real estate market, this episode is packed with insights to help you make smarter decisions in 2025.
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Is Central Coast NSW Australia’s Next Property Boom in 2025?
09/09/2025
Is Central Coast NSW Australia’s Next Property Boom in 2025?
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 Coast NSW property market trends for 2025 🏡 ✔️ Population growth, demographics & aging buyers 👵👴 ✔️ Top 5 Central Coast suburbs by future growth potential 📈 ✔️ Affordable markets under $800K for first-home buyers 💰 ✔️ High-performing suburbs with 150%+ growth 🚀 ✔️ Luxury coastal homes $2M+ and lifestyle demand 🌊 ✔️ Rental yields, supply vs demand, and commuting impact 🚉 ✔️ Is Central Coast the best property investment in Australia 2025? 🔮 💬 Question for You: Do you think the Central Coast will outperform Sydney and other capitals in 2025? Drop your thoughts in the comments!
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First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules
09/01/2025
First Home Buyers Australia 2025: Big LMI Changes & New Deposit Rules
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. 👉 Subscribe to stay updated 🏡 In this show, we explain why the removal of income caps, unlimited scheme places, and a 2%–5% deposit pathway with no LMI could reshape the property market in Sydney, Melbourne, Brisbane, and across Australia. We also analyse the impact on housing affordability, property price growth predictions for 2025–2026, and what this means for both first home buyers and property investors. 🔍 Key Topics Covered: ✔️ First Home Guarantee Scheme changes – what’s new in 2025 🏠 ✔️ Why Lender’s Mortgage Insurance (LMI) could be “dead money” 💸 ✔️ Updated property price caps for Sydney, Melbourne, Brisbane & more 📊 ✔️ How these reforms will impact housing affordability in Australia 🏡 ✔️ Predictions for property price growth in 2026 📈 ✔️ Opportunities for first home buyers and investors 🚀 📊 As the Australian Government removes restrictions and expands buyer incentives, the property market could see a surge of new entrants. We unpack expert forecasts predicting up to 10% growth in the sub-$1M property market, the pressure this places on supply, and whether 2025 is the right time to buy.
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The 5 Biggest Myths About Australia’s Property Market Revealed
08/26/2025
The 5 Biggest Myths About Australia’s Property Market Revealed
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: The 5 Biggest Myths About Australia’s Property Market Revealed In this episode of Talk Property To Me, hosts Brad East (award-winning mortgage broker) and Aaron Downie (buyers agent & investor) bust the 5 biggest Australian property myths for 2025—and show how to avoid costly mistakes. If you’ve heard you must have a 20% deposit, that capital cities always outperform, that negative gearing is a smart strategy by itself, that buying off-the-plan is “safe”, or that all debt is bad… this episode is for you. 🔍 What you’ll learn: 🏦 20% Deposit Myth & LMI (Lenders Mortgage Insurance): How first-home buyers can use 5% deposits, Home Guarantee Scheme, and Shared Equity Scheme (from Jan 2026) to get in sooner—plus when LMI can make sense in high-growth areas. 🌆 Capital Cities vs Regional Markets: Why regional Australia (e.g., Newcastle, Ballarat, Bendigo, Wagga, Dubbo) can outperform Sydney/Melbourne/Brisbane in certain cycles. 💰 Tax Saving ≠ Investment Strategy: The limits of negative gearing and why cash flow, yield, and long-term capital growth matter more. 🏗️ Off-the-Plan Risks: Pricing for “two years ahead”, valuation shortfalls, rent + mortgage overlap, and when short settlement windows can work. 📈 Good Debt vs Bad Debt: Why owner-occupier debt can still build wealth via capital growth and equity—plus how to leverage it smartly. Whether you’re a first home buyer, upgrader, or property investor in Sydney, Melbourne, Brisbane or regional hubs, this 2025 guide helps you navigate mortgages, deposits, LMI, off-the-plan, negative gearing, and debt strategies with confidence.
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Australia Property Market 2025 Forecast: Prices, Scandals & Surprises
08/18/2025
Australia Property Market 2025 Forecast: Prices, Scandals & Surprises
Australia Property Market 2025 – 5 Shocking Things You Must Know In this episode of Talk Property To Me, hosts Brad East and Aaron Downie unpack the latest insights on the Australia property market 2025. From housing affordability issues to Sydney’s underquoting scandal and Adelaide’s record-breaking property sale, this episode delivers the most important real estate trends shaping the year ahead. 📊 Key Topics Covered in This Episode: ✔️ Australia housing market 2025 – affordability crisis deepens 📉 ✔️ 24 affordable homes disappearing every day – what it means for buyers 🏡 ✔️ Shared Equity Scheme 2026 – government support for first-home buyers 💰 ✔️ Sydney underquoting problem: shocking examples of 50%+ price jumps ⚡ ✔️ Adelaide’s record $216M sale and its impact on investors 📈 ✔️ Luxury homes and wellness trends – how lifestyle features drive value ✨ ✔️ Will property prices keep rising or slow down in 2025? 🔮 Whether you’re a first-home buyer, a property investor, or following Australia’s housing market trends, this episode covers the data, insights, and forecasts you need to navigate today’s real estate landscape.
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