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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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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Inside Australia’s Wildest Luxury Home Sales – July 2025 Recap
08/08/2025
Inside Australia’s Wildest Luxury Home Sales – July 2025 Recap
In this episode of Talk Property To Me, hosts Brad East and Aaron Downie take you deep inside the Australia luxury property market for 2025 — from $13M homes in Randwick to $26M rural estates in Robertson. Discover how high-end buyers are navigating the market, why luxury rental yields are surprising everyone, and how “rentvesting” is becoming a smart move for professionals priced out of ownership. 👉 Subscribe now to stay updated: We break down the top-end of Sydney’s market, with real examples of record-breaking sales and ultra-premium rentals. Plus, learn what it actually costs to service a $20M+ mortgage in Australia today, and why some prestige properties are offering more than just luxury — they’re delivering real investment upside. 🔍 Key Topics Covered in This Episode: ✔️ Greater Sydney’s most expensive recent sales 💰 ✔️ Is $9,500/week rent really “worth it” in Point Piper? 🏡 ✔️ Why wealthy buyers are renting multimillion-dollar homes 📉 ✔️ Record sales in Randwick & Middle Dural explained 📊 ✔️ Inside the $26M Robertson estate (80 hectares!) 🌳 ✔️ Are prestige homes a smarter investment in 2025? 📈 Whether you're a seasoned investor, aspiring homeowner, or just curious about Australia’s most expensive properties — this episode is packed with insights, real numbers, and strategy.
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Greater Sydney Population Surge! Top Growth Suburbs to Watch
08/01/2025
Greater Sydney Population Surge! Top Growth Suburbs to Watch
Greater Sydney Population Surge! Top Growth Suburbs to Watch 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: In this episode of Talk Property To Me, hosts Brad East and Aaron Downie uncover the massive population growth forecast for Greater Sydney, Newcastle, Illawarra, and the Hunter region – and what it means for property investors and home buyers. We break down which suburbs are set to explode in population and demand by 2041, including Camden, Woolloondilly, Shellharbour, Maitland, and Shoalhaven. With Sydney expected to gain 1.4 million new residents and regional NSW seeing double-digit growth, these areas are becoming investor hotspots. Whether you’re a property investor, first-home buyer, or simply want to understand where NSW’s property market is heading, this episode is packed with valuable insights to help you plan your next move. 👉 Subscribe to our channel for weekly property market updates: Key Topics Covered: ✔️ Greater Sydney’s population boom – 1.4M new residents by 2041 🌆 ✔️ Suburbs leading NSW growth: Camden, Woolloondilly & The Hills District 🏡 ✔️ Newcastle, Illawarra & Shoalhaven – regional growth hotspots 📈 ✔️ Hunter region highlights: Maitland (49%) & Cessnock (40%) 🔥 ✔️ What this means for property prices & investment strategies 💰
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Townsville Property Boom 2025: How Long Can It Last?
07/25/2025
Townsville Property Boom 2025: How Long Can It Last?
Townsville Property Boom 2025: How Long Can It Last? 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: In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the incredible property boom happening in Townsville, where some suburbs have seen up to 160% growth in just five years. Is this growth sustainable, or are we headed for a market correction? We dive into the latest data on property prices, rental yields, and housing supply shortages. Plus, we analyse the Queensland Government’s $90,000 subdivision incentives, modular housing programs, and massive infrastructure investments that are reshaping the Townsville market. Whether you’re an investor looking for your next opportunity or a local homeowner wondering about long-term trends, this episode is packed with actionable insights to help you understand where the Townsville property market is heading next. 👉 Subscribe to my channel to stay updated: 🔍 Key Topics Covered: ✔️ Why Townsville property values have doubled in five years 📈 ✔️ Suburb hotspots with 30%+ annual growth 🏡 ✔️ The impact of supply shortages and population migration 🌏 ✔️ Government housing incentives and infrastructure spending 🏗️ ✔️ Are modular homes and subdivisions the solution? 🏠 ✔️ Short-term flipping vs long-term property investing strategies 💰 ✔️ Will Townsville prices stabilise or keep booming? 🔮
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96% of Experts Were Wrong — Why the RBA Just Flipped the Script on Aussie Interest Rates
07/18/2025
96% of Experts Were Wrong — Why the RBA Just Flipped the Script on Aussie Interest Rates
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: 📉 Will Interest Rates Finally Drop in 2025? | July RBA Decision Explained In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the RBA’s July 2025 decision — and why it shocked 96% of economists who predicted a rate cut. Whether you’re a homebuyer, investor, or just keeping an eye on the economy, this episode gives you the insights you need to understand what’s next for interest rates and the property market. 👉 Subscribe to the channel for more: In this episode, we explore what the RBA’s decision means for Australian homeowners, investors and first-home buyers. Despite cooling inflation and surging housing demand, the RBA held rates steady — but how long can that last? We cover the ongoing housing supply crisis, expected wage growth, refinancing opportunities, and what the Big 4 banks are forecasting for the rest of 2025. 🔍 Key Topics Covered: ✔️ Why the RBA surprised the market in July 🔍 ✔️ Economists vs. RBA: who’s right on rate cuts? 🧠 ✔️ Housing supply crisis: 460K homes short by 2029 🏚️ ✔️ How much could a 0.5% cut save you monthly? 💰 ✔️ The first-ever split vote in RBA history ⚖️ ✔️ What’s next for interest rates in August 2025? 📆 ✔️ Why this could be a buying opportunity 🏡 If you’re looking to buy, refinance, or just stay ahead of market trends, this episode has everything you need to understand the path forward for property in Australia.
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The Rise of Regional NSW: 600,000 New Reasons to Watch These Towns
07/10/2025
The Rise of Regional NSW: 600,000 New Reasons to Watch These Towns
The Rise of Regional NSW: 600,000 New Reasons to Watch These Towns In this episode of Talk Property To Me, Brad East and Aaron Downie explore the explosive population growth projected for Regional New South Wales—and what it means for property investors in 2025 and beyond. With 600,000 new residents expected to move into these areas by 2041, this episode uncovers the suburbs to watch, the infrastructure that's (not) keeping up, and the investment opportunities you shouldn't miss. 👉 Subscribe for more expert property insights: New data from the 2024 NSW Infrastructure Report reveals which regional towns are poised for major growth, including Wagga Wagga, Albury, Coffs Harbour, Port Macquarie, and Orange. But with aging populations, low housing supply, and rising insurance costs, is the hype justified? Brad and Aaron break down the numbers, challenges, and opportunities in this must-watch episode for every serious investor. 🔍 Key Topics Covered ✔️ NSW regional population forecast – 600,000 new residents by 2041 📈 ✔️ Towns with the highest projected growth: Wagga, Albury, Dubbo, and more 🏡 ✔️ Coastal migration and tree-changers – who’s really moving and why 🌊🌳 ✔️ Supply shortages, infrastructure lags, and housing pressure 🚧 ✔️ Top risks: ageing demographics, low job creation & flooding risks ⚠️ ✔️ Where to invest: hospitals, universities, and low-vacancy suburbs 🏥🎓 ✔️ How to buy smart and resell to cashed-up retirees 💰 As regional markets explode with new demand, smart investors are already planning for the future. Whether you're looking to invest now or understand what's coming next, this episode delivers insights backed by government data, market logic, and years of experience.
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5 Luxury Homes That SHOCKED Australia’s Property Market (June 2025)
07/03/2025
5 Luxury Homes That SHOCKED Australia’s Property Market (June 2025)
5 Luxury Homes That SHOCKED Australia’s Property Market (June 2025) In this episode of Talk Property To Me, Brad East and Aaron Downie reveal Australia’s Top 5 Luxury Property Sales for June 2025. From a $55 million waterfront mansion in Point Piper to record-breaking sales in Manly and Toorak, we explore the most impressive real estate deals across Sydney, Melbourne, and Queensland. Stay with us as we uncover the stunning features, estimated repayments, and exclusive off-market purchases that are shaping Australia’s high-end property market. 👉 Subscribe to the channel for more property insights: 🔍 Key Topics Covered: ✔️ $55 Million Harbourside Mansion in Point Piper 🏠 ✔️ Luxury Waterfront Estate in Sorrento, QLD 🌴 ✔️ Manly Beachfront Home Breaks Sales Record 🌊 ✔️ Byron Creek Estate – 17 Bedrooms & Wedding Venue 💍 ✔️ Off-Market Multi-Million Dollar Sale in Toorak 💎 ✔️ Massive $141 Million Penthouse Preview for July 🚨 We also discuss estimated mortgage repayments for these extraordinary properties, unique ownership structures in Manly, and why Byron Creek offers more than just luxury—it’s a lifestyle investment.
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Australia’s 2026 Property FORECAST: Where Prices Will BOOM (and Drop)
06/27/2025
Australia’s 2026 Property FORECAST: Where Prices Will BOOM (and Drop)
Australia’s 2026 Property FORECAST: Where Prices Will BOOM (and Drop) In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down Australia’s 2026 property market forecast. Find out which capital cities are predicted to boom, which may slow down, and what this means for investors, first home buyers, and upgraders. Stay tuned to learn the latest data and expert insights you need to make smart property decisions in 2026. 👉 Subscribe to my channel to stay tuned: In this show, we explore Domain’s newest predictions revealing a 6% rise in house prices and a 5% increase in unit prices across Australia’s capital cities. We cover key markets like Sydney, Melbourne, Brisbane, Adelaide, Perth, and Canberra, analyzing affordability challenges, interest rate cuts, first home buyer incentives, and supply shortages. Whether you’re an investor or a first-time buyer, this episode is packed with essential advice on navigating the property market in 2026. 🔍 Key Topics Covered: ✔️ 2026 Australian property market forecast – city by city 📈 ✔️ Impact of interest rate cuts and government support 🏠 ✔️ First home buyer incentives and market entry tips 💰 ✔️ Affordability challenges and supply shortages explained 🏘️ ✔️ What investors and upgraders need to know 🔑 ✔️ Predictions for house and unit price growth by capital city Stay ahead in the property game with insights from experts Brad East and Aaron Downie.
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5 PROPERTIES Under $650K You Can Buy RIGHT NOW in Australia!
06/20/2025
5 PROPERTIES Under $650K You Can Buy RIGHT NOW in Australia!
5 PROPERTIES Under $650K You Can Buy RIGHT NOW in Australia! In this episode of Talk Property To Me, hosts Brad East and Aaron Downie reveal 5 real properties under $650K that are currently available across Australia. From New South Wales to Tasmania and Victoria, we break down why these affordable markets could deliver strong capital growth over the next 12–24 months. 🏡💸 If you’re a first-home buyer, investor, or looking for your next portfolio addition, this episode is packed with actionable insights, suburb metrics, and investment tips to help you buy smarter in 2025. 👉 Subscribe to the channel to stay updated: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w 🔍 Key Topics Covered: ✔️ 5 properties you can buy now for under $650K ✔️ Regional markets with real growth potential ✔️ Why we're avoiding Perth, Brisbane & Adelaide (for now) ✔️ Key data: vacancy rates, infrastructure spend, rental yields ✔️ How to find low-risk suburbs with consistent long-term growth ✔️ The #1 property we’d personally recommend to a client These aren’t just hypothetical picks — Brad and Aaron have handpicked each one based on real numbers, experience, and strategy. Whether you're building a portfolio or buying your first home, this breakdown will give you the edge in today’s changing market.
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Top 6 Newcastle Suburbs to INVEST in 2025
06/12/2025
Top 6 Newcastle Suburbs to INVEST in 2025
Top 6 Newcastle Suburbs to INVEST in 2025 In this episode of Talk Property To Me, hosts Brad East and Aaron Downie uncover the top-performing suburbs in Newcastle that investors and homebuyers should keep an eye on for 2025. Whether you’re after capital growth, infrastructure investment, or long-term rental yield, this episode delivers data-backed insights to help you make smart property decisions. 👉 Subscribe to the channel for weekly real estate insights: https://www.youtube.com/@UCH95SWwQA2H9GGA-F2wdc-w We deep dive into 6 high-potential suburbs—Adamstown Heights, Charlestown, Macquarie Hills, Merriweather Heights, New Lambton Heights, and Elibana—covering their growth stats, buyer trends, infrastructure projects, and future potential. We also contrast Newcastle’s strong fundamentals with riskier investment areas like Redbank Plains in Brisbane to show why Newcastle may outperform in 2025. 🔍 Key Topics Covered: ✔️ Newcastle’s top 6 suburbs for capital growth in 2025 ✔️ What’s driving demand in Adamstown Heights & Charlestown ✔️ Infrastructure-led growth in Macquarie Hills ✔️ Why Merriweather Heights is a prestige suburb with limited supply ✔️ How New Lambton Heights balances lifestyle with strong metrics ✔️ Elibana’s lakeside charm & downsizer appeal ✔️ Investment risks in Redbank Plains and outer Brisbane ✔️ Why Newcastle could be a better bet for investors in 2025 As always, Brad and Aaron bring their unique investor perspective—backed by real numbers and local knowledge—to help you stay ahead in a changing market.
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If You're a First Home Buyer, You're 100% Making These Mistakes (Australia 2025)
05/27/2025
If You're a First Home Buyer, You're 100% Making These Mistakes (Australia 2025)
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. In this episode of Talk Property To Me, we unpack the most common (and avoidable) first home buyer mistakes we see every week in 2025: ✅ How to clean up your bank statements before applying for a loan ✅ Why showing too much emotion at open homes can backfire ✅ The #1 thing you should never tell a real estate agent ✅ What to expect (and not expect) when buying older homes ✅ Why you shouldn’t blindly trust the agent’s pest and building report ✅ What to know before buying property with a friend Whether you're looking to buy in Sydney, Melbourne, Brisbane or regional Australia — this episode is packed with first home buyer tips, real-world insights, and things your mortgage broker wishes you knew before making an offer. 🎯 Perfect for: First home buyers in Australia, 2025 property market watchers, and anyone trying to avoid rookie real estate mistakes. 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 → Isaiah Huthnance Isaiah specialises in helping first home buyers get into the market sooner. With a reputation for cutting through the jargon and making the home loan process simple, Isaiah takes all the hard work out of securing finance for first home buyers. He helps first time buyers navigate government schemes, low deposit options, stamp duty exemptions, and even guarantor loans, making what feels out of reach suddenly possible. His clients know him for straight answers, quick turnarounds, and personalised advice. Links:
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Australia Election 2025: What It Means for the Property Market
05/01/2025
Australia Election 2025: What It Means for the Property Market
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 first-home buyer incentives may look like under each party ✅ Investor tax treatment: What might change and how to prepare ✅ Rental market pressures and what candidates plan to do about it ✅ How election results can influence RBA decisions and interest rates ✅ Opportunities for savvy investors during election cycles 📉 Key Insight: Political cycles often cause market hesitation—but for informed investors, they can present rare buying opportunities and long-term advantages. 💬 Are we heading toward a more regulated or investor-friendly housing future? Brad and Aaron weigh in on the latest election talk. ⏰ Timestamps: – Introduction and Overview – Political Uncertainty and Buyer Sentiment – Key Election Housing Promises – Investor Policy Changes: Gearing & CGT – Rental Crisis & Affordable Housing – Post-Election RBA and Rate Forecast – Buyer Hesitation and Timing the Market – First-Home Buyer Scheme Comparisons – Investor Strategy in Election Cycles – SMSFs Amid Policy Shifts – Capital Gains Tax Planning – Election Night: What to Watch – Final Thoughts & Takeaways 🎙 ABOUT THE HOSTS 🔹 Brad East – Award-winning mortgage broker & founder of Wisebuy Home Loans. Known for helping Aussies secure finance when the banks say no. 🌐 Website → 🔗 LinkedIn → 📷 Instagram → 👍 Facebook → 🔹 Aaron Downie – Property strategist & director of Mackenzie Buyers Agency. A seasoned investor helping others build smart, resilient portfolios. 🌐 Website → 🔗 LinkedIn → 📢 Subscribe for more actionable insights on Australia’s property and economic landscape!
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Trumps Tariffs and How It Will Affect The Australian Property Market
04/28/2025
Trumps Tariffs and How It Will Affect The Australian Property Market
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 conversation shifts to the property market, where we discuss the Reserve Bank of Australia's (RBA) focus on stimulating the economy, which may lead to anticipated interest rate cuts. We explain how these cuts could benefit homeowners and potential buyers by driving property prices up. We also advocate for the advantages of SMSFs in property investment, comparing potential returns from real estate to traditional industry funds. We outline the steps to set up an SMSF and emphasize the importance of viewing initial costs as an investment in future wealth. Finally, we touch on the potential effects of tariffs on the Australian dollar and foreign investment, and we tease our next episode, which will cover recent changes in zoning laws that could simplify building approvals. Join us for this insightful discussion on navigating the intersections of global trade, local property markets, and investment strategies for your financial future. 00:00:00 - Introduction and Overview Welcome back to Talk Property Toomey, discussing Trump's tariffs, property, and self-managed super fund opportunities. 00:00:23 - Rate Cut Predictions Exploring the latest predictions on interest rate cuts and their implications for listeners. 00:00:39 - Trump's Tariffs and Economic Impact Discussion on Trump's use of tariffs as a leverage tool and its effects on the global economy. 00:01:50 - Direct and Indirect Effects on Australia Analyzing the limited direct impacts on Australia and the indirect effects on trade with China and Japan. 00:03:44 - E-commerce Challenges Impact of tariffs on Australian e-commerce stores reliant on Chinese goods for exports to the US. 00:05:00 - Market Volatility and Property Investment The significant capital loss in the ASX and the stability of property as an investment. 00:05:49 - RBA's Shift in Focus The RBA's change from worrying about inflation to stimulating the economy through potential rate cuts. 00:06:39 - Panic Selling in Stock Markets Understanding the effects of panic selling on market stability and individual investment strategies. 00:07:43 - Self-Managed Super Funds vs. Industry Funds Exploring the benefits of self-managed super funds and property investment over traditional industry funds. 00:09:48 - Compounding Growth in Property The advantages of property investment in self-managed super funds and its long-term growth potential. 00:10:57 - Setting Up a Self-Managed Super Fund Steps to establish a self-managed super fund and the importance of commitment in the process. 00:12:10 - Cost vs. Opportunity in Investments Encouraging a focus on long-term wealth creation rather than immediate costs associated with setting up a fund. 00:12:21 - Current Cash Rate and Future Predictions Discussion on the current cash rate and predictions for future rate cuts by the RBA. 00:13:25 - Impact of Rate Cuts on Home Loans How potential rate cuts could affect home loan repayments and savings for homeowners. 00:15:15 - Negotiating with Lenders Advice on keeping banks accountable and negotiating better rates for home loans. 00:15:48 - Foreign Investment and the Australian Dollar Potential impacts of tariffs on the Australian dollar and implications for foreign investment. 00:16:12 - Upcoming Topics on Zoning Laws Preview of the next episode discussing changes in zoning laws and building approvals. 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 → 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: Linkedin:
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How to Build $500K in Passive Income by Investing in Commercial Property (In Just 7 Years!)
04/16/2025
How to Build $500K in Passive Income by Investing in Commercial Property (In Just 7 Years!)
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 (and how lease-stock loans unlock endless deals). ✅ Industrial vs. Retail vs. Office – Safest asset types (and red flags to avoid). ✅ Vacancy Risks – Strategies to minimize vacancies (hint: industrial dominates Sydney’s 0% vacancy zones!). ✅ Value-Add Goldmines – From mezzanine floors to multi-tenancy splits (boost returns without guesswork). ✅ Who’s It For? – Newbies vs. seasoned investors: Who should take the plunge? ✅ Real-Deal Case Study – Steve’s $3.1M shopping centre (yielding $100K/year passively). 📉 Myths Busted: ❌ “Commercial doesn’t grow” – Steve proves it matches residential growth (with 3x rent!). ❌ “Too risky” – Not in high-demand areas (e.g., Sydney’s industrial hubs). 💡 Key Insight: Commercial property can fast-track financial freedom—if you avoid rookie mistakes. Steve shares how to build a portfolio that pays you. 🔗 Free Resources: Grab Steve’s books & 10-hour course (CommercialPropertyInstitute.com). 💬 Your Turn: Should you pivot from residential to commercial? Comment below! ⏰ Timestamps: 00:00 – Intro to Commercial Investing 02:10 – Residential vs. Commercial: Cash Flow Showdown 05:25 – Lease Secrets (Tenants Pay Everything!) 08:40 – Deposits & Lease-Stock Loans Demystified 12:15 – Best/Worst Assets (Industrial Wins, Retail Risks) 16:40 – Vacancy-Proof Strategies (Buffer Funds, Location Hacks) 20:20 – Value-Add Masterclass (Mezzanines, Splitting Tenancies) 25:05 – Who Should Invest? (Spoiler: Not Just Experts) 28:50 – Case Study: $3.1M Shopping Centre ($100K/Year Passive) 32:00 – Free Tools & Final Tips 🎙 Featured Guests: 🔹 Steve Palise – Founder of Palise Property, commercial buyer’s agent, and author of Commercial Property Investing series. 🌐 https://www.paliseproperty.com/ | 📚 CommercialPropertyInstitute.com 🔹 Brad East – Award-winning mortgage broker (Wisebuy Home Loans). 🌐 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 – Property strategist & buyers agent (MacKenzie Buyers Agency). 🌐 Website → https://www.mackenziepropertygroup.com.au/ 🔗 LinkedIn → https://www.linkedin.com/in/aaron-downie-1b2749134/ 📢 Subscribe for actionable property insights! #CommercialProperty #PassiveIncome #PropertyInvesting #RealEstateAustralia
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Rental Market Crashing In 2025? Here's What You Need To Know
03/19/2025
Rental Market Crashing In 2025? Here's What You Need To Know
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%. 🔍 Key Topics Covered: ✔️ Why rental prices are falling in 2025 📉 ✔️ Sydney rental market update – suburbs seeing major drops 🏡 ✔️ Brisbane’s rental decline – what’s driving the shift? 🌆 ✔️ How renters can negotiate better lease renewals 💰 ✔️ Impact on first-home buyers & future property trends 🏠 ✔️ Will rental prices continue to drop in 2026? 🔮 As the market stabilizes after years of rent gouging and high demand post-COVID, we explore what’s next for tenants and landlords. If you’re renting or considering buying, this episode is packed with insights and strategies to help you navigate the evolving property landscape. 🔔 Subscribe for more property market insights & expert analysis! 00:00:00 - Introduction to the Rental Market in 2025 00:00:13 - Decline in Rental Prices 00:01:02 - Impact of COVID-19 on Rental Demand 00:02:28 - Market Stabilization and Current Trends 00:03:48 - Regional Insights: Sydney and Brisbane 00:05:08 - Melbourne and Adelaide Rental Trends 00:06:51 - Future Predictions for the Rental Market 00:07:39 - Vendor Expectations vs. Market Reality 00:08:53 - Advice for Renters: Negotiating Leases 00:10:45 - Invitation for Property Managers to Join the Discussion 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 → 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: Linkedin:
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How Much Do Rate Cuts Affect Borrowing Power
03/18/2025
How Much Do Rate Cuts Affect Borrowing Power
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 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 → 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: Linkedin:
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Navigating the Melbourne Property Market: Insights with Emily Wallace
02/23/2025
Navigating the Melbourne Property Market: Insights with Emily Wallace
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 the importance of location, accessibility to the city, and proximity to good schools in the buying process. Market Overview: The conversation delves into the historical capital growth trends in Melbourne over the past 20 years. Emily notes that while the market has experienced fluctuations, the overall trajectory has been upward, particularly in sought-after areas. Current Market Dynamics: Brad and Aaron discuss the recent population growth in Melbourne, which has seen an influx of residents from other states, particularly Sydney and Brisbane. Emily highlights the affordability factor that draws people to Melbourne, where property prices are significantly lower than in Sydney. First-Time Buyers vs. Investors: Emily reveals that about 70% of her clients are first-time buyers, with the remaining 30% being upsizers and downsizers. She explains that while first-time buyers are primarily focused on lifestyle, they also consider the investment potential of their properties. Property Types and Trends: The discussion shifts to the types of properties that are currently in demand. Emily points out that unrenovated villa units and townhouses are particularly appealing to buyers looking for value and potential for capital growth. She also addresses the oversupply of poorly designed apartments and the need for more medium-density housing. Challenges in the Market: The hosts and Emily discuss the challenges posed by rising rents and the desire for stability among renters. Many first-time buyers are opting to purchase homes to secure their living situation rather than continuing to rent. Future Outlook: Emily shares her thoughts on the future of the Melbourne property market, emphasizing the need for developers to focus on building the right types of properties to meet demand. She also discusses her plans for her agency, including growing her team and setting industry benchmarks for buyers' advocates. Practical Tips for Buyers: Emily offers practical advice for potential buyers, including the importance of researching neighborhoods and speaking to current residents to gauge the community vibe. She also highlights the significance of having a clear plan and understanding one's goals before making a property purchase. This episode is packed with valuable insights for anyone interested in the Melbourne property market, whether you're a first-time buyer, an investor, or simply curious about the trends shaping the industry. Join us as we unpack the complexities of property buying in one of Australia's most vibrant cities! 00:00:00 - Podcast Introduction 00:01:12 - Emily's Background 00:02:40 - Market Trends 00:03:43 - Client Demographics 00:05:25 - Current Market Conditions 00:06:36 - Affordability Trends 00:08:46 - Lifestyle Preferences 00:10:35 - Rent Vesting vs. Owner Occupation 00:12:23 - Neighbor Relations 00:16:42 - Supply and Demand Issues 00:20:01 - Investment Opportunities 00:22:34 - Renovation Potential 00:24:44 - Future Plans 00:25:45 - Contact Information 00:27:25 - Podcasting Insights 00:29:12 - Networking Importance 00:31:20 - Industry Reflections
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Interest Rate Predictions: Will We See a Cut This February?
02/06/2025
Interest Rate Predictions: Will We See a Cut This February?
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 4.3%). We clarify what constitutes goods inflation—physical items like groceries, fuel, and building costs—and services inflation, which includes non-physical items such as rent, healthcare, and education. As we explore the factors influencing these inflation rates, we highlight the impact of supply chain issues, global oil prices, and labor costs. We discuss how recent wage increases, driven by government policies, have led to higher operational costs for businesses, which in turn affects consumer prices. We also touch on the effects of the COVID-19 pandemic on sectors like education, particularly regarding the influx of foreign students. The conversation shifts to the rental market, where we note early signs of decreasing rental prices, which could significantly impact overall inflation figures. We emphasize the importance of rent as a substantial component of services inflation and how its decline could lead to a more favourable economic environment. We then delve into the implications of potential interest rate cuts, particularly the 80% market odds for a 0.25% rate cut in February 2025. We discuss how lower interest rates could enhance affordability for first-time buyers and stimulate growth in the property market. However, we caution that waiting for these reductions might lead to missed opportunities as property values may rise in the interim. In addition, we analyse the broader economic context, including the influence of U.S. market trends on Australia and the potential impact of the upcoming election on government spending and inflation. We break down the differing approaches of the Labor government and the opposition, highlighting how changes in government policy could affect inflation levels. As we wrap up, we encourage listeners to take proactive steps in negotiating rent reductions and mortgage rates, emphasizing the importance of communication with landlords and banks. We conclude on a hopeful note, suggesting that the economic outlook for 2025 and beyond appears promising, with signs of recovery and growth on the horizon. Join us for this engaging discussion, and as always, we welcome your feedback and topic suggestions for future episodes. Catch you next time on Talk Property To Me! 00:00:00 - Introduction to Inflation and Interest Rates in Australia 00:00:10 - Current Inflation Rates Overview 00:00:27 - Understanding Goods vs. Services Inflation 00:00:40 - Headline Inflation Figures Explained 00:01:43 - Impact of Goods Inflation on Retailers 00:02:04 - Services Inflation and Its Drivers 00:02:42 - COVID-19's Effect on Education Sector Prices 00:03:28 - Childcare Costs and Insurance Implications 00:04:35 - Rental Prices and Their Impact on Inflation 00:05:00 - Potential Decrease in Rental Prices 00:05:23 - Effects of Rate Cuts on Property Buyers 00:05:53 - Bank Predictions and Fixed Rates 00:06:17 - Understanding Bank Strategies with Fixed Rates 00:07:06 - Global Economic Influences on Australian Inflation 00:08:41 - Local Factors Affecting Interest Rates 00:09:10 - Historical Trends: Australia Following the U.S. 00:10:47 - Political Landscape and Its Economic Implications 00:11:20 - Odds of a Rate Reduction in February 2025 00:12:15 - Arguments For and Against Rate Cuts 00:12:40 - Impact of Rate Cuts on Rental Markets 00:13:34 - Negotiating Rent Reductions as a Tenant 00:14:17 - Wrap-Up: Future Economic Outlook 00:14:58 - Conclusion and Additional Resources 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 → 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: Linkedin:
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7 Australian Property Market Trends You Can't Ignore In 2025
01/19/2025
7 Australian Property Market Trends You Can't Ignore In 2025
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 backyards. We explore how the desire for lifestyle options and proximity to amenities is influencing property demand and supply dynamics. Next, we discuss the concept of stepping stones in home ownership. With the market becoming increasingly challenging to navigate, many are opting for smaller apartments or townhouses as a way to enter the property market, rather than waiting to save for their dream home. We emphasize that for first-time buyers, this is often just the beginning of their property journey. We then delve into new pathways for home ownership, including government schemes aimed at assisting first-time buyers. While we acknowledge the potential of co-buying and rent-to-own models, we express scepticism about their long-term viability as primary market drivers. Instead, we highlight the importance of investment strategies that allow buyers to explore properties in different locations, potentially leading to better long-term outcomes. As we move through the trends, we touch on the growing demand for green homes. With millennials increasingly conscious of climate change and energy costs, features like solar panels and smart home technology are becoming essential for many buyers. We discuss how these elements can significantly impact property value and buyer interest. The conversation shifts to urban sprawl, where we note that metropolitan areas are expanding outward. This trend is largely driven by affordability, as buyers seek homes that offer a balance between distance from the city and access to amenities. Finally, we address the rise of renters in the current market. With home ownership rates declining, we see a growing number of renters, which presents unique opportunities for property investors. We discuss how this trend can drive up rental returns and create a competitive landscape for investment. In conclusion, we summarize these seven trends and encourage our listeners to consider them when developing their property strategies for the coming year. We invite feedback and suggestions for future topics, reminding everyone to like, subscribe, and join us for our next episode. Thank you for tuning in! 00:00:00 - Introduction to Property Trends 00:00:13 - Millennials as the Largest Adult Cohort 00:01:14 - Stepping Stones to Home Ownership 00:02:11 - New Pathways for First-Time Buyers 00:04:12 - Shrinking Backyards and Lifestyle Preferences 00:05:42 - Demand for Green Homes 00:07:03 - Urban Sprawl and Affordability 00:08:00 - Rise of Renters and Investment Opportunities 00:08:31 - 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 → 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: Linkedin:
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