Property Investment, Success & Money | The Michael Yardney Podcast

If you want to create wealth through property investment, you're in the right place. Twice each week, Michael Yardney helps investors gain clarity amongst the confusion of the many mixed messages regarding the property markets so they can develop the financial freedom they are looking for. He does this by sharing Australian property market insights, smart property investment strategies, as well as the success and personal finance secrets of the rich, in about 30 minutes each show. Michael has been voted one of Australia's top 50 Influential Thought Leaders. While he is best known as a real estate investment expert and property market commentator, he is also Australia's leading expert in the psychology of success and wealth creation and a #1 best-selling author of 9 books. Michael frequently challenges traditional finance advice with innovative ideas on property investing, personal finance and wealth creation. His wisdom stems from his personal experience and from mentoring over 3,000 business people, investors and entrepreneurs over the last 26 years. Michael's message will be priceless regardless of the size of your real estate investment portfolio. Whether you're just starting investing in property or an experienced investor wanting to move to the next level, he will provide you with proven strategies for creating wealth through real estate, giving you a roadmap for real estate investing and financial success. http://MichaelYardneyPodcast.com

15 Wealth Myths Holding You Back – And How to Break Free with Brett Warren 09/15/2025

15 Wealth Myths Holding You Back – And How to Break Free with Brett Warren Have you ever wondered why some property investors seem to build multi-million-dollar portfolios while others never get past their first property—or worse, sell up within five years? It’s not about luck. It’s not about earning six figures. And it’s definitely not about being born into money. In today’s podcast, I explore the common myths surrounding wealth creation and property investment with Brett Warren You’ll learn that most people are trapped by money myths - false beliefs about wealth, investing, and financial security that sound logical but quietly sabotage their success. So we explore 15 of the most common wealth myths holding Australians back. If you’re serious about building financial freedom, this episode will challenge the way you think about money and give you the insights to move forward with confidence. Takeaways · Many people are held back by limiting beliefs about money. · Taking action is crucial for financial success. · Financial independence requires understanding and planning, not just a high income. · Debt can be a tool for wealth creation if managed properly. · Investing is a process that requires strategy and knowledge. · Mindset plays a significant role in achieving financial goals. · There are always opportunities in the property market, regardless of timing. · Diversification can lead to average outcomes; focus on mastering one area first. · Home equity can be leveraged to invest in additional properties. · Having a support team can enhance your investment journey. Chapters 00:00 Introduction to Wealth Myths 01:33 It Takes Money to Make Money 07:31 The Role of Education in Financial Success 12:49 Which Myths Hold Us Back 14:59 The Fear of Just Being Lucky 23:49 Are All the Good Investments Already Taken?27:42 The Myth That Everything Is Wrong 31:13 The Role of Mindset Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37918765

You Might Stop Working, But Your Money Shouldn't – Investing Through Retirement with Ken Raiss 09/10/2025

You Might Stop Working, But Your Money Shouldn't – Investing Through Retirement with Ken Raiss In today’s show, Ken Raiss and I discuss the evolving landscape of retirement planning, emphasising that retirement is not an end but a new chapter that requires strategic investment and financial planning. We look at what it means to keep your money working in retirement, how property investors should adjust — not stop — their strategy, and what you need to consider to maintain financial freedom and even grow your wealth in the years to come. We discuss the importance of understanding longevity risk, the need for owning appreciating assets, and the role of property in retirement portfolios. The discussion also covers common mistakes retirees make, the significance of teaching the next generation about wealth, and the necessity of having the right ownership structures to protect assets. Overall, the conversation highlights the importance of proactive planning and adapting investment strategies to ensure financial security in retirement. Takeaways · Retirement is a new chapter, not an end. · Planning for longevity is crucial. · Investors often underestimate their asset needs in retirement. · Property can be a powerful investment tool. · Cash flow management is essential for retirees. · Inflation poses a significant risk to retirement savings. · Ownership structures can protect wealth. · Teaching children about investments is vital. · Avoid common mistakes like selling properties for managed funds. · Retirement requires a flexible and structured approach. Chapters 00:00 The New Retirement Reality 04:16 Planning for Longevity 07:05 Investment Strategies for Retirement 09:26 The Importance of Asset Allocation 12:14 Debt Management in Retirement 14:46 Protecting Your Wealth 17:08 Common Mistakes to Avoid 19:53 Supporting the Next Generation 22:29 The Ongoing Investment Journey Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing Successfully · Every entry receives a copy of a fully updated Michael Yardney Property Report Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37918485

Suburban Revival: How a New Generation Is Reshaping Australia’s Housing Future | With Simon Kuestenmacher 09/08/2025

Suburban Revival: How a New Generation Is Reshaping Australia’s Housing Future | With Simon Kuestenmacher In today’s show Simon Kuestenmacher and I discuss the significant shift of millennials from urban living to suburban areas. We highlight how millennials are reshaping suburban culture while still valuing aspects of their urban lifestyles. This is a generation that once embraced city skylines, inner-city cafes, and the hustle of urban living, but is now packing up and heading for the burbs. But not for the white picket fence alone. We explore the reasons behind this migration, the changing dynamics of suburban life, and the challenges related to infrastructure and housing markets. We also discuss the challenges faced by regional towns, the need for strategic planning to manage population growth, and the potential for revitalising communities through targeted migration and infrastructure development. Takeaways · Millennials are shifting from urban to suburban living, impacting housing markets. · Population growth is concentrated in major cities, leading to uneven development. · Regional towns face challenges due to aging populations and job shortages. · Revitalizing regional areas requires targeted migration and job creation. · A national demographic strategy is essential for managing population growth. · The two-speed economy creates social divides between urban and rural populations. · Infrastructure development is crucial for accommodating population growth. · Future planning must consider sustainable living and job opportunities in regional areas. · Understanding demographic trends is vital for future generations. Chapters 02:08 Millennials: From Urbanites to Suburbanites 05:18 The Suburban Renaissance: Challenges and Opportunities 07:54 Infrastructure and Planning for the New Suburbs 10:58 Housing Market Dynamics: Millennials and Migration 14:17 The Future of Work: Hybrid Models and Urban Spaces 17:07 Government's Role in Suburban Development 20:20 Cultural Shifts: Millennials Redefining Suburban Life Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing Successfully · Every entry receives a copy of a fully updated Michael Yardney Property Report Get the team at to help build your personal Australia’s leading demographer and partner in the Demographics Group Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37918545

Stamp Duty is Holding Australia Back: Dr. Nicola Powell on Why We Need Bold Reform 09/03/2025

Stamp Duty is Holding Australia Back: Dr. Nicola Powell on Why We Need Bold Reform Australia’s housing market is under pressure from many directions, but one of the most overlooked barriers is stamp duty. Once a relatively modest transaction cost, stamp duty has ballooned into one of the biggest financial hurdles for homebuyers. Just to give you an idea – in Sydney, stamp duty on a median-priced house has gone from around 45% of a household’s disposable income in 2000 to 120% today. And it’s not just buyers who are suffering. Stamp duty distorts housing decisions, locks people into homes that no longer suit them, and acts as a handbrake on productivity. Today, I'm joined by Dr Nicola Powell, Chief of Research and Economics at Domain, whose recent report makes a compelling case for replacing stamp duty with a fairer, broad-based land tax. Whether you're a property investor, a home buyer, or just somebody who's interested in the housing markets, I'm sure today's chat with Dr Nicola Powell will give you a new perspective as I also want to discuss their latest report on who has profited from property over the last few years. Takeaways · A growth mindset is essential for success in property investment. · Stamp duty presents significant financial barriers for home buyers and investors. · The burden of stamp duty has increased over time, affecting housing mobility. · Capital gains tax on family homes could discourage movement and exacerbate housing issues. · Stamp duty is economically inefficient, costing more in lost activity than it raises. · Housing misallocation is a significant issue in Australia, with many living in homes that exceed their needs. · Consumer confidence is a key driver of property market trends and price growth. · Longer holding periods for properties generally lead to greater capital gains. · Location plays a crucial role in property investment success. · Reform of stamp duty is necessary for improving housing mobility and economic productivity. Chapters 01:58 Introduction 05:14 Australians Holding Their Homes for Longer 08:07 How Stamp Duty Deters People from Moving 09:56 The Inefficiency of a Stamp Duty 11:34 The Caveats of a Stamp Duty Reform 14:02 Recent Domain Report Results 18:35 The Confidence has Come Back into the Market Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney's Guide to Investing Successfully. Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter Chief of Research and Economics at Domain Domain’s property profit and loss report: Domain’s Stamp Duty suggestions: ? Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/38069050

Australia’s Hottest Winter Property Market in Years – with Dr. Andrew Wilson 09/01/2025

Australia’s Hottest Winter Property Market in Years – with Dr. Andrew Wilson This winter has shaped up as the strongest property market we’ve seen in a long time, with strong buyer activity and rising confidence cutting through the usual seasonal slowdown. In today's show Dr. Andrew Wilson and I discuss how results have been far from uniform – Sydney is surging ahead with particularly strong performance, while conditions across the other capitals are more varied, reminding us just how segmented Australia’s housing markets really are. We explore the impact of government initiatives for first home buyers, the performance of various regional markets, and the implications of inflation and interest rates on housing prices. The conversation concludes with an optimistic outlook for the housing market as it heads into the spring selling season. Takeaways · Interest rates have been cut, leading to increased buyer activity. · The property market is fragmented, with varying performance across regions. · Government schemes for first home buyers are expected to boost demand. · Brisbane is showing extraordinary growth in property prices. · Melbourne's market is recovering, particularly in the prestige segment. · Inflation concerns may impact future interest rate decisions. · The spring selling season is typically the strongest for property sales. · Lower interest rates are driving positive growth in the housing market. · The national median house price has seen consistent monthly rises. · Market conditions suggest a potential for double-digit growth in some areas. Chapters 01:07 Introduction 01:45 Introduction to the Winter Property Market 04:02 Quarterly Median House Prices 09:57 Quarterly Median Unit Prices 13:02 First Home Owner Deposit Scheme 14:39 Property Values Forecast 17:14 Conclusions and Future Predictions Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney's Guide to Investing. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. Get a bundle of eBooks and Reports at Get the team at to help build your personal Click here and have a chat with us – Subscribe to my Property Update newsletter Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/38033075

Planning Australia’s Future: It Starts with Where We Live, with Ross Elliott 08/27/2025

Planning Australia’s Future: It Starts with Where We Live, with Ross Elliott Today I’m joined by Ross Elli, a respected urban thinker and commentator, and we discuss something most politicians and planners are ignoring: the danger of concentrating 70% of Australia’s population into just eight capital cities, and doing it without a real plan. We explore the challenges of infrastructure, the concept of the missing middle in housing, and the need for a national settlement strategy to address the growing population and its impact on quality of life. Whether you're a property investor, policymaker, or simply someone sitting in bumper-to-bumper traffic wondering where it all went wrong, this episode of the Michael Yardney Podcast is going to challenge the way you think about growth, planning, and the future of our cities. Takeaways · Australia's population growth is concentrated in a few major cities. · High-density living does not necessarily reduce traffic congestion. · There is a significant gap in housing supply and demand. · The concept of the 'missing middle' in housing is contentious. · Infrastructure development has not kept pace with population growth. · Regional centers can offer a better quality of life than major cities. · Government policies need to address urban planning holistically. · Decentralization strategies have not been effectively implemented in Australia. · Community opposition often hinders new housing developments. · A national settlement strategy is essential for sustainable growth. Chapters 00:00 The Urban Dilemma: Population Growth and Infrastructure 07:31 The Myths of Density and Urban Planning 12:38 The Missing Middle: Densification Challenges 17:55 Regional Opportunities: Rethinking Settlement Strategies 23:08 Decentralization: Lessons from the Past 28:18 Future Visions: A Balanced Australia Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney's Guide to Investing. Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter Ross Elliott – Urban Development Thought Leader. Subscribe to Ross Elliott's blog here. Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37918470

Renovate to Elevate: Unlocking Value in Investment Properties with Greg Hankinson 08/25/2025

Renovate to Elevate: Unlocking Value in Investment Properties with Greg Hankinson Have you ever looked at a tired old property and thought, “There’s potential there,” but weren’t quite sure what to do with it? Well, today’s show could be the spark you need. Because we’re talking about one of the most powerful – and underutilised – strategies for building wealth through property: strategic renovation. In a world where construction costs are soaring and affordability is stretched, more investors are realising that they don’t have to wait for the market to deliver capital growth – they can manufacture it themselves. And joining me to unpack this is Greg Hankinson – property renovations and development expert and director of Metropole Developments. Greg’s seen it all – from simple kitchen facelifts to full-scale value-add renovations through to medium density developments, and he’s here to share his experience, tips, and insights to help you make your next investment a profitable one. We talk through the key fundamentals of a profitable renovation, how to assess a property’s potential, the pros and cons of reno vs. new build, and how many successful developers started by simply buying, renovating, and holding. Takeaways · You can create wealth through renovations, not just market appreciation. · The renovation process requires careful planning and understanding of costs. · Successful renovations can lead to significant increases in property value. · It's essential to identify properties with renovation potential. · Avoid common mistakes like overcapitalizing or DIYing without experience. · Understanding local regulations and permits is crucial for renovations. · Market conditions can affect the feasibility of renovation projects. · Investing in renovations can provide better rental yields and lower vacancy rates. · A strategic approach to property investment is necessary for long-term success. Chapters 00:00 Unlocking Property Potential through Strategic Renovations 01:56 Introduction to Renovations and Property Development 04:43 Understanding the Profitability of Renovations 10:12 Financing Renovations and Building Equity 12:29 Common Mistakes in Renovation Projects 17:57 Assessing Renovation Potential in Properties 20:36 Opportunities in the Current Market 23:15 Conclusion and Future Steps in Property Development Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond Join us at the Ultimate Property Development Workshop in Melbourne on November 8th for all the details - Director, Interested in getting involved at the “wholesale” end of the property market? We’ll help you become a property developer. and find out how. Get the team at to help build your personal – Subscribe to my Property Update newsletter Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37918535

The Housing Time Bomb: Can Australia Keep Up with Its Population Boom? | With Simon Kuestenmacher 08/20/2025

The Housing Time Bomb: Can Australia Keep Up with Its Population Boom? | With Simon Kuestenmacher Imagine inviting thousands of people to a party… but forgetting to organise enough food, chairs, or bathrooms. That’s essentially what Australia is doing by ramping up migration while failing to plan for the housing and infrastructure to support it. Today, Simon Kuestenmacher and I discuss why we can’t keep separating housing policy from migration policy. The conversation around our housing crisis is often framed around interest rates, investors, or planning delays. But there’s a critical dimension we keep avoiding: Australia’s housing and migration policies are completely out of sync, and this is causing systemic damage. Takeaways · Australia is experiencing a housing crisis due to rapid migration without adequate infrastructure. · Every decision contributes to the future we build, akin to laying bricks in a house. · The disconnect between housing and migration policies is creating significant challenges. · Young people and low-income earners are increasingly priced out of the housing market. · Government policies need to be proactive rather than reactive to address housing shortages. · The current planning system is outdated and hinders timely housing development. · Property taxes are a major contributor to housing unaffordability. · A national housing target linked to migration levels could stabilize the market. · Lessons from other countries show the importance of strategic migration policies. · Long-term planning is essential for sustainable urban development and infrastructure. Chapters 00:00 - Migration Without Infrastructure 04:01 - What's been happening to immigration 08:43 - Property Taxes 09:00 - Housing Affordability Crisis 15:48 - Housing Demand Caused by the Migration 24:52 - Infrastructure Planning Area 33:55 - Final Thoughts Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing Successfully · Every entry receives a copy of a fully updated Michael Yardney Property Report Get the team at to help build your personal Click here and have a chat with us Australia’s leading demographer and partner in the Demographics Group Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37859405

Who pays the most tax in Australia, Plus Clues Behind The News | Macro Insights with Ken Raiss 08/18/2025

Who pays the most tax in Australia, Plus Clues Behind The News | Macro Insights with Ken Raiss In today’s Macro Insights Podcast, Ken Raiss and I examine who really pays tax in Australia, and the results may surprise you. We also share what the average wage and superannuation balance in Australia is, and I bet these figures will surprise you. We also discuss the latest statement from APRA about its 3% mortgage assessment buffer we will tell you what time of the week you’re most likely to get scammed? As somebody interested in growing your wealth or property, there will be lots in the show for you. Takeaways · Australian Taxation Office’s 2022–23 tax‑return snapshot (approximately 16.1 million lodgements) to paint a portrait of the “average 100 Australian. · Out of those 100 Australians, 21 pay no income tax at all. None. Zip. · Meanwhile, just 3 individuals contribute nearly 30% of all net income tax. Add in the next 6, and you’re up to nearly 50%. And the next 30 take it to almost 90%. · So 39 Australians (out of 100) are footing almost the entire tax bill. · The average super balance is around $173,000; the median is just $60,000. What does that tell us?All eight capital cities recorded house price growth in the June quarter. · Westpac reveals the time of day you’re most likely to be scammed is Tuesday afternoon Chapters 00:00 Understanding Australia's Tax Landscape 04:15 The Role of High Income Earners in Taxation 06:37 Income Disparities and Superannuation Challenges 09:24 The Impact of APRA's Mortgage Serviceability Buffer 12:00 Scams and Consumer Awareness 14:35 Infrastructure Needs for Population Growth Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investing Successfully · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. The FirstLinks article mentioned in the show Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37858085

Regret, Reality, and the Race to Buy: What First Home Buyers Are Really Facing in 2025 With Sarah Megginson 08/13/2025

Regret, Reality, and the Race to Buy: What First Home Buyers Are Really Facing in 2025 With Sarah Megginson What happens when the Great Australian Dream becomes a financial nightmare? In 2025, buying your first home in Australia has become less of a rite of passage and more of a high-stakes gamble. Record-high deposits, sky-high property prices, and mortgage repayments eating up more than 30% of many buyers’ income - it’s no wonder almost half of all first home buyers now regret their decision. Today, I’m joined by Sarah Megginson, personal finance expert at Finder to discuss their First Home Buyer Report 2025 which reveals the rising pressure on young Australians trying to break into the property market - from paying well over budget to being left with no savings at all after settling. We discuss why buyer's remorse is soaring, how affordability is vanishing, and what it all means for the future of home ownership in Australia. Whether you’re an investor, a parent helping your kids buy, or just curious about where our housing market is heading, stick around. This is one of those episodes that will shift your perspective. Takeaways · The property market is increasingly challenging for first home buyers. · Financial support from parents is becoming crucial for many buyers. · Many first home buyers regret their purchase due to overspending. · Government incentives can help first home buyers enter the market. · Understanding lenders mortgage insurance is essential for buyers. · Saving habits are critical for managing home ownership costs. · Buyers are adapting by considering different locations and dwelling types. · The emotional aspect of buying a home can be overwhelming. · It's important to think long-term when making a home purchase. · There are still opportunities for home ownership despite market challenges. Chapters 00:00 The Struggles of First Home Buyers 04:39 The Role of Family Support in Home Buying 07:34 Understanding Affordability in the Current Market 10:12 Regrets and Realities of First Home Purchases 13:03 Navigating the Buying Process: Tips and Strategies 15:53 Government Incentives for First Home Buyers 16:46 Saving for a Deposit: Strategies and Challenges 19:49 The Importance of Financial Preparedness 22:30 Adapting to the Market: New Strategies for Buyers Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Finder’s First Home Buyer’s Report - money expert and Head of Editorial at Finder Get the team at to help build your personal – Subscribe to my Property Update newsletter Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37395025

The Truth About Property Investors the Media Won’t Tell You – with Brett Warren 08/11/2025

The Truth About Property Investors the Media Won’t Tell You – with Brett Warren There’s a lot of noise out there right now — the media, politicians, and even Sunday BBQ conversations seem to revolve around one central villain: the property investor. Apparently, we’re to blame for housing unaffordability, rising rents, and locking young people out of the market. But is that really fair? Because when you scratch below the surface, you realise that property investors are not the problem — in fact, we’re a critical part of the housing solution. Today I’m joined by Brett Warren, National Director of Metropole Property Strategists, and we have a frank conversation about why property investors are essential to Australia’s housing market — and what people get so wrong about us. We talk about how investors house millions of Aussies, how much we contribute in taxes, and why policy decisions that punish investors could end up hurting the very people they’re supposed to help. If you're an investor feeling misunderstood or simply curious about how the system really works, you’re going to get a lot out of today’s show. Takeaways · Property investors are often blamed for housing unaffordability, but this narrative is misleading. · Investors play a crucial role in providing rental accommodation for many Australians. · The majority of property investors own one or two properties, not large portfolios. · Government policies significantly impact the housing market and investor activity. · Investors contribute over $40 billion annually in taxes to the Australian economy. · The media often presents a one-sided view of property investment. · There is a growing need for more affordable housing options in Australia. · Investors are not just wealthy moguls; they are everyday Australians seeking financial security. · The future of property investment requires a fairer tax policy and more supply. · Understanding the long-term fundamentals of property investment is essential for success. Chapters 00:00 The Misunderstood Property Investor 00:54 The Role of Investors in Housing Solutions 01:37 The Anti-Investor Sentiment 04:16 The Role of Property Investors 07:05 Understanding Rental Dynamics 09:51 The Financial Contributions of Investors 12:43 The Future of Property Investment 15:13 Navigating the Current Market 18:03 The Importance of Long-Term Planning Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37269475

Why Property Investors Achieve Financial Freedom — and Most Others Don’t – with Brett Warren 08/06/2025

Why Property Investors Achieve Financial Freedom — and Most Others Don’t – with Brett Warren Have you ever wondered why some people seem to effortlessly build wealth through real estate while others spend their entire lives working hard, only to end up financially stuck? The truth is that most Australians won’t ever achieve genuine financial independence. Sure, they’ll retire... eventually. But for many, that just means swapping full-time work for full-time worry — especially with rising living costs, uncertain super balances, and a whole lot of financial unknowns. But there’s a group that does break free. And they tend to have one thing in common: they invest in property strategically. In today’s show, Brett Warren — National Director of Property at Metropole — and I unpack why property investors develop financial freedom when so many others don’t. Takeaways · Property investment is a long-term business. · Wealth isn't built overnight; it takes discipline. · You need a plan, not just a postcode. · If you don't learn to make money while you sleep, you'll never become wealthy. · Property gives you leverage like no other asset class. · The media keeps most people just above broke. · Investors use capital, not time, to build wealth. · You can outperform the averages with the right knowledge. · It's about making hard decisions now for an easier future. Chapters 00:00 The Wealth Gap: Understanding Financial Independence 00:28 Strategic Property Investment: The Key to Freedom 00:55 Mindsets and Strategies for Financial Success 01:49 The Quest for Financial Independence 04:16 Understanding the Cash Flow Quadrant 07:04 The Importance of Financial Literacy 09:58 Investing in Property: A Viable Strategy 12:46 Common Pitfalls for New Investors 15:33 The Role of Mindset in Wealth Building 18:00 Long-Term Planning for Financial Freedom 21:12 Current Market Trends and Opportunities Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal . – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37269420

Property Prices Hit New Highs – Is This the Start of Another Boom? With Dr. Nicola Powell 08/04/2025

Property Prices Hit New Highs – Is This the Start of Another Boom? With Dr. Nicola Powell Have you noticed how Australia’s property market seems to have roared back to life recently? After a sluggish 2024, Domain’s latest House Price Report shows all eight capital cities recorded house price growth in the June quarter – for the first time in four years. And it’s not just houses. Unit prices are surging too, often outpacing houses as buyers chase affordability. So what’s behind this rebound? Rate cuts, increased demand, and a lingering supply shortage have all played a role. But is this recovery sustainable? Will further rate cuts continue to fuel prices, or are there headwinds ahead? To help us unpack this, I’m joined by Dr Nicola Powell, Chief of Research and Economics at Domain. She’ll share insights from Domain’s June Quarter House Price Report and explain what these trends mean for buyers, sellers, and investors alike. Whether you’re a homeowner, an investor, or simply keeping an eye on the market, you’ll want to hear what Dr Powell has to say. Takeaways · Most people only realise the market's turned too late. · All eight capital cities recorded house price growth in the June quarter. · The turnaround in auction conditions has been very evident across Sydney and Melbourne. · First home buyers are looking towards units in Sydney due to affordability. · Melbourne's housing market is showing signs of recovery after years of lagging. · Brisbane's unit prices are outperforming house prices, indicating a shift in buyer preference. · Canberra is on a pathway to recovery, with modest price increases. · Every state goes through its cycle, affecting property values differently. · Rate cuts are expected to boost buyer confidence and market activity. · Understanding local market dynamics is crucial for property investment. Chapters 00:00 - Introduction to Market Trends 02:15 - Sustainability of the current market recovery and future predictions. 13:30 - Sydney and Melbourne Market Analysis 17:00 - Brisbane and Adelaide Market Trends 20:45 - Canberra and Perth Market Updates 24:00 - Conclusion and Future Outlook Links and Resources: Answer this week’s trivia question here- · Win a hard copy of Michael Yardney’s Guide to Investment · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2026 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter Chief of Research and Economics at Domain Domian Property June Quarter House Price Report: Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37656265

Property Prices Keep Rising – And There’s More to Come – with Dr. Andrew Wilson 07/31/2025

Property Prices Keep Rising – And There’s More to Come – with Dr. Andrew Wilson Australia’s housing markets just keep marching forward – and the latest numbers are in! Today I’m joined by Dr. Andrew Wilson, Chief Economist of My Housing Market, to break down July’s House Price Report – and it’s full of good news for homeowners and property investors alike. House prices rose in every single capital city over the month – that’s now five months in a row of rising prices nationally, with the median capital city house price sitting at over $1.2 million and annual growth climbing to 5.9%. We’ll discuss: · Why Perth and Brisbane continue to lead the charge with double-digit annual growth · How Melbourne and Sydney are quietly bouncing back · The surprise standout performances from Canberra and Darwin · And why 2025 is shaping up to be another strong year for property markets Plus, unit prices are also on the rise, and confidence is building as interest rate cuts and low unemployment levels continue to support our economy. Takeaways · House prices in capital cities rose in July, indicating a positive trend. · The market fundamentals suggest strong growth potential in the coming months. · Commitment, courage, capability, and confidence are essential for success in property investment. · Perth and Adelaide are showing significant upward momentum in their housing markets. · Interest rate cuts are likely to further boost housing market activity. · All capital cities recorded increases in median house prices over the July quarter. · First home buyers face challenges due to rising prices and increased competition. · Lower interest rates improve affordability but can lead to higher property prices. · Consumer confidence is rising, contributing to increased auction attendance. · The upcoming spring selling season is expected to drive further market activity. Chapters 02:15 Interest Rates and Market Confidence 05:30 Regional Market Performances 08:45 The Four C's Formula for Success 12:00 Challenges for First Home Buyers 15:30 Conclusion and Future Outlook Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37607480

How to Choose the Right Property Ownership Structure – Get it right now or pay later - with Ken Raiss 07/28/2025

How to Choose the Right Property Ownership Structure – Get it right now or pay later - with Ken Raiss Today Ken Raiss and I are diving into a crucial topic for anyone looking to purchase property in Australia: choosing the right property ownership structure. So whether you're a first-time investor, a seasoned buyer, or even planning a family purchase — this episode is for you. We discuss various ownership options, including trusts and companies, and highlight common mistakes investors make. The conversation emphasizes the need for professional advice to navigate these complexities and ensure long-term success in property investment. Takeaways · Understanding ownership structures is crucial for long-term wealth. · Time is a valuable asset; treat it wisely. · Tax efficiency can significantly impact investment returns. · Trusts can provide flexibility and protection for assets. · Common mistakes in trust management can lead to financial loss. · Company structures may offer benefits for high net worth individuals. · Self-managed super funds can be powerful tools for wealth building. · Professional advice is essential for tailored investment strategies. · Investors should prioritize their goals when choosing structures. · Beginner investors must set up their ownership structures correctly. Chapters 00:00 Understanding Ownership Structures 05:20 Common Ownership Structures Explained 09:05 The Role of Trusts in Wealth Building 12:27 Navigating Tax Implications and Asset Protection 16:10 Choosing the Right Structure for Your Needs 19:40 The Importance of Professional Advice 25:00 The Concept of Time Wealth Links and Resources: Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/36710175

Unveiling the Truth: The 9 Big Forces Driving Australia's Property Market in 2025, with Brett Warren 07/23/2025

Unveiling the Truth: The 9 Big Forces Driving Australia's Property Market in 2025, with Brett Warren If you’re interested in property you’ve probably noticed it’s a confusing time out there . Interest rates are falling, but there are mixed messages about how many rate cuts we are going to get. Population growth is surging, but we’re not building enough homes. The media is full of mixed messages, and many would-be investors are paralysed by uncertainty. That’s why in today’s show, Brett Warren and I explain the nine biggest influences shaping our property markets in 2025 and beyond. We discuss the real levers behind market movements, and we also reflect on what history tells us about these influences —and how savvy investors can position themselves ahead of the curve, while others sit on the sidelines. So, whether you’re a seasoned investor or simply trying to make sense of this changing market, today’s discussion will provide you with clarity, confidence, and a distinct strategic advantage. Takeaways · There's a confusing time out there regarding property investment. · Understanding homeowner behavior is crucial for investors. · Current supply shortages are significant and growing. · Affordability issues are impacting many potential buyers. · Consumer confidence plays a vital role in market dynamics. · Strategic investment is essential in a changing market. · Increased buyer confidence is being observed in the market. · The lack of supply is creating a perfect storm for property values. · Interest rates and economic factors are influencing buyer behavior. · Investors should act early to capitalize on market opportunities. Chapters 00:00 The Illusion of Truth 01:38 Understanding the Current Property Market Dynamics 04:31 Demographic Shifts and Housing Demand 06:56 Supply Challenges in the Housing Market 09:43 The Impact of Interest Rates on Affordability 12:40 Government Policies and Their Effects 15:32 Consumer Confidence and Market Trends 18:12 Strategic Insights for Property Investors Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37111330

Brace Yourself: What’s ahead for property and our economy – the clues behind the news | Macro Insights with Ken Raiss 07/21/2025

Brace Yourself: What’s ahead for property and our economy – the clues behind the news | Macro Insights with Ken Raiss In this Macro Insights Podcast, Ken Raiss and I examine the big picture and share our perspective on how this may impact our housing markets in Australia, as well as what, if anything, you should do as a property investor. We discuss what’s ahead for interest rates, and clues in the news about economic indicators and consumer behaviour. We examine the dynamics of supply and demand, the influence of household wealth, and the importance of demographics in property investment. As somebody interested in property, there will be lots in the show for you. Takeaways · The Reserve Bank's cautious approach to interest rates reflects current economic uncertainties. · Investors who prepare and act strategically can benefit from market fluctuations. · High auction clearance rates indicate a strong demand for properties in major cities. · The mortgage cliff did not result in widespread defaults as anticipated. · Household wealth has increased, but many Australians do not feel its effects. · Property values tend to grow faster than inflation over the long term. · Demographics play a crucial role in property market dynamics and wealth transfer. · Holistic wealth management is essential for effective property investment strategies. · Self-managed super funds offer opportunities for leveraging property investments. · The conversation marks the beginning of a series of insights into property and economic trends. Chapters 01:36 Interest Rate Surprises and Economic Caution 04:12 Market Reactions and Property Trends 06:46 Mortgage Defaults and Consumer Behaviour 09:22 Global Influences on the Australian Economy 12:00 Household Wealth and Property Values 14:37 Superannuation Performance and Property Investment 17:12 Demographics and Wealth Transfer Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37394830

Brisbane’s $7.1 Billion Secret: The Olympic Boom Investors Can’t Afford to Miss – with Brett Warren 07/16/2025

Brisbane’s $7.1 Billion Secret: The Olympic Boom Investors Can’t Afford to Miss – with Brett Warren What if I told you that right now, quietly but powerfully, one of the biggest investment opportunities in Australian property is unfolding in plain sight? While most people are focused on the day-to-day news cycle, savvy investors are looking a few years ahead, to 2032, when Brisbane will step onto the global stage to host the Olympic and Paralympic Games. But here’s the thing: the real gold rush isn’t during the Games — it’s the decade leading up to them. Billions of dollars are already pouring into infrastructure. Suburbs are being transformed. Jobs are being created. And investor interest is quietly surging — before the rest of the world catches on. In today’s show I’m joined by Brett Warren, National Director of Property at Metropole and one of the sharpest minds in strategic property investment, to help you cut through the headlines and zero in on where the real opportunities lie. Whether you’re already in the Brisbane market or wondering if now’s the time to act, this episode could be a game-changer for your investment journey. Takeaways · Brisbane is on the verge of significant growth due to the upcoming Olympics. · Infrastructure development is crucial for enhancing property values. · Investors should focus on areas with planned infrastructure improvements. · Gentrification is a key factor in identifying investment opportunities. · Understanding local market dynamics is essential for successful investing. · The property market may experience a slowdown, but strong fundamentals remain. · Accessibility to transport will drive demand in Brisbane's suburbs. · Investors should avoid the 'buy and hope' strategy. · Long-term planning is vital for property investment success. · Brisbane's economic growth is expected to continue beyond the Olympics. Chapters 00:00 Brisbane's Market Evolution and Olympic Impact 04:17 Infrastructure Developments and Urban Transformation 07:20 Accessibility and Growth Opportunities 09:53 Regional Benefits Beyond Brisbane 12:57 Investment Strategies and Gentrification 15:29 Navigating the Property Market and Avoiding Pitfalls 18:16 Long-Term Investment Perspectives 21:04 The Future of Brisbane Post-Olympics Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37111375

Brace Yourself: The Tax Review Could Hit Your Wealth Harder Than You Think | with Ken Raiss 07/14/2025

Brace Yourself: The Tax Review Could Hit Your Wealth Harder Than You Think | with Ken Raiss We’re now on the brink of what could be the biggest shake-up to the Australian tax system since the GST was introduced back in 2000. Federal Treasurer Jim Chalmers has signalled that tax reform is not just on the agenda - it’s a priority. But what kind of reform are we really talking about here? If you dig beneath the headlines, this isn’t just about closing loopholes, it’s about reshaping how wealth is taxed and redistributed in a very different economic and demographic Australia. Whether you're a business owner, property investor, or self-funded retiree, you may be directly in the firing line. And while Chalmers says this isn’t about a ‘tax grab’, many of us know that when Canberra talks about ‘fairness,’ it often means someone else is footing a larger bill. So today, Ken Raiss, Director of Metropole Wealth Advisory, and I discuss what’s being proposed, what the real motives might be, and how you can future-proof your wealth and estate plans amid the uncertainty.” Takeaways · Debt burden is driving government tax reform discussions. · Australia's gross debt is projected to exceed 100% in five years. · Government spending is increasing significantly, impacting taxpayers. · Tax reforms may target wealth rather than income. · Family trusts could face changes that affect small business owners. · Intergenerational wealth planning tools may be eroded by new taxes. · Financial health checks are essential for optimizing wealth structures. · Proactive planning is crucial in anticipation of tax changes. · The government is exploring new revenue sources to manage debt. · Economic policies may shift towards taxing wealth rather than work. Chapters 00:00 Understanding Tax Reform Priorities 04:29 The Debt Tsunami and Its Implications 09:17 Exploring Tax Strategies and Alternatives 12:10 The Future of Family Trusts and Wealth Distribution 14:45 Taxing Wealth vs. Taxing Work 16:57 Government Pressures and Potential Changes 19:35 Proactive Tax Planning Strategies 22:14 The Importance of Financial Health Checks 24:37 Looking Ahead: The Future of Taxation in Australia Links and Resources: Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/37269545

The Shocking Truth About Australia's Gender Wealth Gap - with Sarah Megginson 07/09/2025

The Shocking Truth About Australia's Gender Wealth Gap - with Sarah Megginson Today, women live longer than men, but retire with far less money. And despite all the progress we've made, Australia's gender wealth gap remains stubbornly wide. Today I'm joined by Sarah Megginson, money expert and Head of Editorial at Finder, to unpack the insights from their 2025 State of Women’s Wealth Report. We explore why women continue to fall behind financially, what drives the wealth gap beyond pay inequality, and most importantly, what women (and men) can do about it. You might be thinking, "Well, I’m not a woman — why does this affect me?" I think you really should listen to today’s show because financial security isn’t just about individuals. It’s about families. Communities. Generations. When women build wealth, everyone benefits: More kids grow up in financially secure homes. More wealth gets reinvested into our economy. More retirees live independently, not dependent on government handouts. This is all about building a stronger, fairer, wealthier Australia. Takeaways · Women hold 40% less net wealth than men. · The gender pay gap begins in primary school. · Women are more likely to work part-time, affecting their superannuation. · Education is crucial for financial empowerment. · Cultural shifts are changing financial goals for younger generations. · The sandwich generation faces unique financial challenges. · Women over 50 are at a higher risk of homelessness. · Negotiating pay remains a hurdle for women. · Small financial steps can lead to significant changes. · Parents play a vital role in shaping children's financial attitudes. Chapters 00:00 Introduction to Women's Wealth Report 04:36 Understanding the Gender Wealth Gap 07:28 The Impact of Career Breaks on Women's Finances 13:04 The Role of Parenting in Financial Education 18:46 The Sandwich Generation: Balancing Care and Career 21:25 Risk of Homelessness for Women Over 50 24:14 Taking Control of Your Financial Future 29:29 Empowering Women to Manage Money Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Finder’s State of Women’s Wealth Report - money expert and Head of Editorial at Finder Get the team at to help build your personal – Subscribe to my Property Update newsletter Get a bundle of eBooks and Reports at /episode/index/show/michaelyardneypodcast/id/36970930

Domain’s Bold Property Forecasts for the Year Ahead - with Dr. Nicola Powell 07/07/2025

Domain’s Bold Property Forecasts for the Year Ahead - with Dr. Nicola Powell The Australian property market has been anything but predictable in recent years - booms, corrections, interest rate hikes, and a housing supply crisis have kept everyone on their toes. But what lies ahead? In today’s episode I’m joined by Dr Nicola Powell, Chief of Research and Economics at Domain, to unpack their latest Price Forecast Report for the 2025–26 financial year. This isn't just another forecast - we take a deep dive into how affordability, population growth, government incentives, and even the psychology of homebuyers will shape our markets in the year ahead. Whether you’re a seasoned investor, a first-home buyer, or just a curious observer of our housing rollercoaster, you’ll get real insights into where property values are headed, which cities are poised to outperform, and how you can navigate, or capitalise on, what’s coming next. Takeaways · The property market is experiencing a transition with varying growth rates across regions. · Interest rates significantly influence property values, especially in major cities. · First home buyers face challenges in accessing the market due to high prices. · Population growth remains strong, impacting housing demand. · Government policies play a crucial role in shaping market dynamics. · Rental markets are currently favoring landlords, but growth rates may slow down. · Melbourne is expected to see significant price growth in the coming year. · Affordability issues persist, particularly in high-priced markets like Sydney. · The cash rate's stability is a key concern for future market performance. · Understanding market dynamics is essential for making informed investment decisions. Chapters 00:00 Market Overview and Price Forecasts 02:38 Melbourne's Market Potential and Price Predictions 13:16 Sydney's Performance and Affordability Challenges 15:54 Brisbane's Growth and Infrastructure Impact 18:47 Perth's Market Slowdown and Future Outlook 21:19 Adelaide and Canberra's Market Trends 24:11 Rental Market Insights and First Home Buyer Support 26:59 Navigating the Unpredictable Australian Property Market Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond. Get the team at to help build your personal – Subscribe to my Property Update newsletter Chief of Research and Economics at Domain Domian Property Forecast Report: Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/37269370

Rentvesting: Smart Strategy or Just a Trend? With Stuart Wemyss 07/02/2025

Rentvesting: Smart Strategy or Just a Trend? With Stuart Wemyss We’ve all heard the phrase “rent money is dead money,” right? But is it really? As property prices surge and affordability challenges mount—especially for younger Australians—a growing number of people are turning to an alternative path: rentvesting. That’s where you rent the home you live in and invest in a property elsewhere. Is this just a clever workaround, or is it a genuinely smart wealth-building strategy? In today’s episode I’m joined once again by Stuart Wemyss to explore this in depth. And even if you’re not particularly interested in rentvesting, I’m sure many of the investment principles Stuart and I will be discussing today will be of benefit to everyone interested in property. Takeaways · Rent-vesting allows flexibility in property investment. · Owning a home can provide long-term financial security. · Demographic shifts are changing home ownership trends. · Tax implications play a significant role in property decisions. · Rent-vesting may not suit everyone financially. · Understanding personal goals is crucial in property investment. · Long-term strategies are essential for financial success. · Common mistakes in rent-vesting can derail financial goals. · The importance of a holistic financial strategy. · Buying a property is a long-term commitment. Chapters 01:40 Introduction to Rent Vesting and Home Ownership 04:34 Understanding Rent Vesting: Pros and Cons 06:56 Financial Analysis of Rent Vesting vs Home Ownership 09:46 Demographic Shifts and Home Ownership Trends 12:36 Tax Implications: Capital Gains and Negative Gearing 15:17 Long-Term Financial Strategies and Retirement Planning 18:23 Common Mistakes in Rent Vesting 20:52 Final Thoughts: Making Informed Property Decisions Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond – Stuart’s Book – Get the team at to help build your personal Get a bundle of free reports and eBooks – Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36934565

15 Years of Your Mortgage Goes to the Government — What That Means for Australia’s Housing Crisis with Tim Reardon 06/30/2025

15 Years of Your Mortgage Goes to the Government — What That Means for Australia’s Housing Crisis with Tim Reardon Did you know that for the first 15 years of your mortgage, you're working mostly for the taxman, not your future wealth? It’s a startling claim, but one backed by data from the Housing Industry Association — and it sheds new light on why housing affordability is getting worse, not better. Today, I’m joined by Tim Reardon, Chief Economist at the HIA, to unpack this extraordinary insight. We explore how government taxes and regulatory charges are silently front-loading the cost of home ownership, inflating house prices, and burdening Aussie families before they’ve even laid a brick. And while there’s some good news on the horizon — with interest rate cuts expected to drive a recovery in home building — the longer-term challenges are immense. Think taxes, planning bottlenecks, and a construction industry on its knees due to chronic underbuilding and workforce shortages. Whether you’re a property investor, homeowner, or policymaker, this conversation will leave you thinking differently about the hidden forces shaping the housing market — and why just building more homes won’t be enough. Takeaways · The first 15 years of mortgage repayments primarily cover taxes. · Approximately 50% of the cost of a new house is attributed to taxes and fees. · Government policies significantly impact housing supply and affordability. · Subsidizing first home buyers does not address the root causes of housing unaffordability. · The 1.2 million homes initiative requires substantial policy changes to succeed. · Foreign investment is crucial for increasing housing supply. · Build-to-rent projects are not currently providing affordable housing options. · Interest rates directly influence the volume of new home building. · Labor availability is a significant challenge for the construction industry. · Policy reforms are necessary to improve housing supply and affordability. Chapters 01:12 Understanding Mortgage Repayments and Taxes 04:54 Challenges in Housing Supply and Infrastructure 09:00 Government Schemes and Their Limitations 10:39 The 1.2 Million Homes Initiative 14:41 The Future of Build-to-Rent Projects 17:01 Market Dynamics and Housing Affordability 20:27 Structural Challenges in the Housing Industry 23:18 Conclusion and Future Outlook Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond Get the team at to help build your personal – Subscribe to my Property Update newsletter Tim Reardon HIA Chief Economist Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36970440

Why Being a Landlord Just Got Harder (and What You Can Do About It) with Leanne Jopson 06/25/2025

Why Being a Landlord Just Got Harder (and What You Can Do About It) with Leanne Jopson If you’re a property investor, I have an important question for you… When was the last time you thought seriously about your property manager? If you think their main job is collecting the rent and organising tradies when something breaks, I’ve got news for you—things have changed dramatically. In fact, the world of residential property management has been turned on its head in the last five years. New legislation, shifting tenant expectations, work-from-home dynamics, and rapid tech adoption mean that managing your investment property is no longer a simple job you can entrust to just anyone—or worse, do yourself. And if you get this wrong, the consequences can be expensive… and stressful. In today’s show I’m joined by Leanne Jopson, National Director of Property Management at Metropole. Leanne’s been at the coalface of this transformation, and today she’ll reveal how the role of property managers has shifted, what changes are still coming down the pipeline, and what smart investors need to be thinking about to future-proof their portfolios. And while this might sound like an episode just for landlords, I promise you—it’s more than that. Whether you own one property or a dozen, what we discuss today could save you thousands and help you sleep a lot better at night. Takeaways · The role of property managers has evolved significantly in recent years. · Legislative changes have increased compliance requirements for landlords. · Tenants are now more informed and have higher expectations. · Technology is reshaping property management practices. · Outdoor space has become a priority for tenants post-COVID. · Landlords are increasingly focused on meeting minimum housing standards. · Property management is now viewed as strategic asset management. · Future-proofing investments is essential for landlords. · Building relationships with tenants is crucial for retention. · Understanding market trends is vital for successful property management. Chapters 02:10 The Changing Landscape of Property Investment 04:54 Legislative Changes Impacting Property Management 07:35 The Role of Technology in Property Management 09:49 Evolving Expectations of Tenants and Landlords 12:30 The Impact of Work-from-Home on Property Demand 19:02 Future Trends in Property Management 22:45 Preparing for the Future of Property Investment Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond - National Executive - Property Management at As Metropole specialises in property management, our vacancy rate is considerably below the market average, our tenants stay an average of 2 years and our properties lease 10 days faster than the market average. Get a bundle of free reports and eBooks – Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36934440

Boomers Had It Easier and Took All the Good Properties, With Simon Kuestenmacher 06/23/2025

Boomers Had It Easier and Took All the Good Properties, With Simon Kuestenmacher If you’ve ever felt like you’re playing a game of property monopoly in Australia, but someone else got to pass “Go” decades before you and now owns half the board, you’re not imagining it. That “someone else”? It's the Baby Boomers. They’ve won the property game in Australia. Not just because they got in early, but because the rules of the game have increasingly worked in their favour, at the expense of younger generations. Today leading demographer Simon Kuestenmacher and I chat about whether the Baby Boomers really did have it easier or not, as well as how younger generations can catch up and build their own property wealth as well as how younger generations can catch up and build their own property wealth. We also discuss the impact of debt, changing cultural expectations regarding home ownership, and the challenges faced by Generation X. Takeaways · Baby boomers have a significant advantage in property ownership. · Younger generations face higher debt levels than baby boomers. · Cultural expectations around home ownership have shifted dramatically. · The Bank of Mum and Dad plays a crucial role in helping younger buyers. · Rent vesting is becoming a popular strategy for young investors. · Generation X is squeezed between supporting their children and aging parents. · Policymakers need to consider strategies to make housing more affordable. · Long-term strategies and education are key for younger generations. · Every generation faces unique challenges based on their historical context. · Wealth transfer from baby boomers to younger generations is significant. Chapters 01:55 Introduction to Generational Wealth Dynamics 02:49 Wealth Distribution and Baby Boomers 06:35 Challenges for Younger Generations 12:31 Cultural Shifts and Housing Expectations 17:01 The Squeeze on Generation X 20:36 Emerging Trends: Rent Vesting 22:18 Policy Recommendations for Future Generations Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond Get the team at to help build your personal Australia’s leading demographer and partner in the Demographics Group Get a bundle of free reports and eBooks – Also, please subscribe to our other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36886385

Taxed on Money You Never Made? Why This Super Change Should Scare Every Investor – With Ken Raiss 06/18/2025

Taxed on Money You Never Made? Why This Super Change Should Scare Every Investor – With Ken Raiss Today, I want to talk about something that’s really flying under the radar—but it shouldn’t be. Imagine being taxed on money you haven’t actually earned. Not on rent you’ve received, not on a capital gain you’ve banked, but just on the increase in value of an asset you still hold. Sounds crazy, right? Well, that’s exactly what the federal government’s proposed new tax on superannuation above $3 million aims to do—taxing unrealised capital gains. And while they say it’ll only affect a handful of wealthy Australians today, the truth is—because that $3 million cap isn’t indexed to inflation—it could very well affect many, many more of us tomorrow. Worse still, it sets a precedent. If the government can tax you on unrealised gains in your super, what’s to stop them doing the same outside of super? To your investment property? Your business? Your share portfolio? So today, I’ve chat with Ken Raiss, Director of Metropole Wealth Advisory and Australia’s leading property taxation strategist. We unpack exactly what this policy means, why it matters far more than most people think, and what smart investors should be doing now to prepare. Trust me—this episode isn’t just about super. It’s about the future of taxation in Australia. And whether you’re a seasoned investor or just planning your financial future, you need to understand what’s really going on. Takeaways · The proposed tax on superannuation targets unrealised profits. · This tax could affect more Australians than initially stated. · Investors need to be aware of the implications of taxing unrealised gains. · The new tax policy may create a complex valuation process for assets. · Property investors may face increased financial burdens as a result of this tax. · Seeking expert financial advice is crucial in navigating these changes. · The tax system's integrity is at stake with these new policies. · Long-term planning is essential for adapting to tax changes. · Investors should consider alternative investment strategies outside of superannuation. · The proposed tax could set a precedent for future taxation policies. Chapters 00:00 Introduction to Proposed Tax Changes 04:34 Understanding the Tax on Unrealized Gains 06:59 Implications for Future Generations 09:15 The Complexity of Valuation and Taxation 11:57 Fairness and Exemptions in Taxation 14:26 Investor Confidence and Market Reactions 16:57 Strategies for Wealth Management 19:36 The Role of Professional Advice 22:12 Future Taxation Trends and Concerns Links and Resources: Get the team at Wealth Advisory create a Strategic Wealth plan for your needs , Director of Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast, with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: /episode/index/show/michaelyardneypodcast/id/36710255

Why More Property Investors Are Getting into Small Developments – Greg Hankinson 06/16/2025

Why More Property Investors Are Getting into Small Developments – Greg Hankinson Have you ever wondered if property development could be your next big wealth accelerator? You’ve probably heard the success stories – investors who’ve turned modest sites into multimillion-dollar assets by building just two townhouses. But what you don’t often hear about are the sleepless nights, the missteps, the cost overruns, the unexpected council headaches, or the “learning experiences” that chew up profit and time. Today, I’m joined by Greg Hankinson – Director of Metropole’s Project Development Division. Greg has almost 3 decades of experience managing hundreds of successful small to medium-scale projects. Just to make things clear… what are we going to be discussing today isn’t about becoming a full-time developer. It’s about how smart investors are adding a powerful strategy to their portfolio – one that’s backed by professionals who’ve done it hundreds of times before. So whether you’re looking to build wealth faster, reduce your reliance on market growth, or just explore what’s possible beyond buying and holding, this episode is packed with insights you won’t want to miss. Takeaways · Property development can be a game changer for wealth creation. · Understanding the current market dynamics is crucial for investors. · Planning and preliminary research are essential for successful developments. · Development finance differs significantly from traditional home financing. · Identifying suitable development sites requires thorough due diligence. · Designing properties to meet market demand is key to maximizing returns. · Having the right team of experts can significantly impact project outcomes. · Contingency planning is vital to manage unexpected costs during development. · Common mistakes include misunderstanding development finance and costs. · Long-term holding of developed properties can lead to greater financial benefits. Chapters 01:50 Introduction to Property Development 03:10 The Appeal of Townhouse Developments 05:18 Understanding Market Demand and Supply 07:19 Planning and Strategy in Development 11:22 Navigating the Property Cycle 12:46 Criteria for Development Sites 15:52 Budgeting and Cost Management 18:10 Building the Right Team 19:37 Designing for the Market 21:40 Common Mistakes in Property Development Links and Resources: Answer this week’s trivia question here- · Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time. · Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond Join us at the Ultimate Property Development Workshop in Sydney on 19th July for all the details - Director, Interested in getting involved at the “wholesale” end of the property market? We’ll help you become a property developer. and find out how. Get the team at to help build your personal – Subscribe to my Property Update newsletter Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36934395

Weathering the Storms: The Property Investor’s Secret Weapon, with Brett Warren 06/11/2025

Weathering the Storms: The Property Investor’s Secret Weapon, with Brett Warren Imagine this… You’ve got a strong property portfolio, you're working hard, and the market is looking good. Then – boom – life throws you a curveball. Maybe it’s a job loss, a health issue, or a tenant stops paying rent for months. What now? Most investors panic. But the savvy ones? They just lean on their financial buffer – a quiet little fund sitting in the background that buys them something more valuable than money: time. In this podcast episode of the Michael Yardney Podcast, Brett Warren and I discuss the critical importance for property investors of having a financial buffer. We explore how a financial buffer can provide peace of mind, protect against unexpected expenses, and allow investors to navigate financial challenges without panic. Through real-life examples and case studies, we illustrate the benefits of maintaining a buffer and offer strategies for building one effectively. Takeaways · A financial buffer is essential for property investors. · Buffers provide peace of mind during financial uncertainty. · Unexpected expenses can arise, making a buffer crucial. · Building a buffer gradually is a smart strategy. · Financial planning helps identify the right buffer amount. · Real-life examples show the effectiveness of buffers. · Buffers can prevent the need to sell assets in tough times. · Investors should prioritize creating a buffer before market shocks. · Having a buffer allows for better decision-making during crises. · It's important to reassess and rebuild buffers regularly. Chapters 00:00 The Importance of a Financial Buffer 04:08 Examples of Financial Buffer Importance 10:32 Practical Strategies for Building a Buffer 18:11 Real-Life Examples of Buffers in Action Links and Resources: Get the team at to help build your personal – Subscribe to my Property Update newsletter - National Director of Property at Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36710100

What the rich won’t tell you. The truth behind building massive wealth | Tom Corley 06/09/2025

What the rich won’t tell you. The truth behind building massive wealth | Tom Corley While most of us want to become rich and successful, it’s really not as easy as many suggest on social media. In today’s show Tom Corley and I explain why building wealth is a two-step process and the requirements to not only build wealth, but retain wealth. Takeaways The easiest way to grow wealth in Australia is through residential real estate. Becoming rich involves a two-step process: accumulating wealth and maintaining it. Daily growth habits, such as reading and self-education, are crucial for success. Building rich relationships can significantly impact your journey to wealth. Avoid spontaneous purchases to maintain financial discipline. Isolate a portion of your wealth for retirement planning. Wealth management requires a team of experts, including financial advisors and tax experts. The habits to get rich differ from those needed to stay rich. Mentorship is vital; seek mentors who are two levels above you. Wealth is a journey that requires continuous learning and adaptation. The world doesn't owe you anything; take responsibility. We owe the world our talents and efforts. Chapters 00:00 The Two-Step Process to Wealth 03:59 Habits for Accumulating Wealth 06:43 Daily Growth and Relationship Building 09:41 Persistence, Patience, and Risk-Taking 12:21 Controlling Emotions and Building Teams 15:02 Mentorship and Learning from Others 17:58 Maintaining Wealth and Smart Spending 20:46 Investing Wisely and Planning for Retirement 23:20 The Importance of Expert Guidance 25:54 A New Beginning: Imagining Life Anew 29:59 Embracing the Present: Letting Go of the Past Links and Resources: - Subscribe to my daily – to help both beginning and experienced investors Subscribe to Tom Corley’s daily blog . Order your copy of Rich Habits, Poor Habits Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People Get a bundle of free reports and eBooks – Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to or watching this podcast and subscribe so each week we can unveil the trends shaping your future. Shownotes plus more here: /episode/index/show/michaelyardneypodcast/id/35714260

Resurgence of investment-grade apartment prices in Melbourne–Stuart Wemyss 06/04/2025

Resurgence of investment-grade apartment prices in Melbourne–Stuart Wemyss Are Melbourne apartments the most underrated investment opportunity for 2025? For years now, investors and homebuyers alike have steered clear of Melbourne apartments—especially those in high-density towers—fearing oversupply, poor quality builds, and lacklustre capital growth. But what if that narrative is outdated? What if the very segment that’s been overlooked is now poised for a significant turnaround? In today’s show, I’m joined by Stuart Wemyss, to explore a bold yet data-backed prediction: Melbourne investment-grade apartments are about to enter a period of strong capital growth. We'll unpack the economic, demographic, and market forces that are aligning to reshape this sector, from soaring house prices and increased rental demand, to limited new supply and a shift in buyer preferences. So if you’ve ever dismissed Melbourne apartments as second-tier investments, this conversation may just change your mind. Takeaways · We're entering a rare window of opportunity. · Melbourne apartments are going to increase in value. · Don't be the one who hesitates. · The IKEA effect explains our investment choices. · Not all apartments make good investments. · Investment grade apartments have strong land value. · The price gap between houses and apartments is closing. · The government is boosting first home buyer grants. · There's a supply shortage in the apartment market. · Melbourne apartments are the most underrated investment opportunity. Chapters 01:33 Introduction to Investment Opportunities in Melbourne Apartments 04:20 Understanding Investment Grade vs. Investment Stock 07:00 The Impact of Supply and Demand on Apartment Prices 09:42 Government Incentives and Their Effects on the Market 12:45 Market Trends and Future Predictions for Melbourne Apartments 15:37 The Role of Interest Rates and Borrowing Capacity 18:10 Historical Performance and Market Cycles 20:55 Conclusion Links and Resources: Get the team at to help build your personal – Subscribe to my Property Update newsletter – Stuart’s Book – Get a bundle of eBooks and Reports at Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. /episode/index/show/michaelyardneypodcast/id/36846480

Property Investment, Success & Money | The Michael Yardney Podcast

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