this is property

John and Rachelle answer your questions! 👉 renovate home or buy an investment first? 👉🏼 what type of valuation should I get? 👉🏽 what to ask a buyers agent before you commit 👉🏾 is it a good idea to buy an investment property with cash? 👉🏿 best structure to buy a working farm 👉🏻 have I missed the boat to buy my first IP? 👉 what’s happening in Melbourne property market sub 1M 👉🏼 how muc...

John and Rachelle unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting. 👉🏻 Macquarie bank pulls out of trust and company lending 👉 Ubank offers 90% loans with no LMI 👉🏼 discussing feedback on the boom bust property cycle episode 👉🏽 G...

In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about: 👉🏾 what Microburbs actually does & who it's for 👉🏻 the most influential data point for choosing a location 👉🏼 the post-covid shift to regions & satellite cities 👉🏽 what to check first wh...

In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about: 👉🏾 assessing their risk profiles and money mindset 👉🏿 using home equity wisely 👉🏻 debt recyclin...

In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about: 👉 buying her first place at 22 on the Gold Coast 👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash) 👉🏾 managing risk, buffers and surprise expenses 👉🏿 splitting costs and mo...

In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about: 👉🏻 their individual risk appetites 👉 why they've chosen to keep things separate 👉🏼 getting a BFA (binding financial agreement) 👉🏿 the properties they have between them 👉🏽 how they navigate shared expenses 👉🏾 planning for retirement 👉🏻 and their tips for liste...

In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions: 👉🏾 using redraw from your investment loan to buy ETFs 👉🏿 how to document and reset the 6-year CGT rule 👉🏻 claiming travel, tools & repairs for interstate properties 👉 repairs vs improvements - what’s instantly deductible 👉🏼 can you...

Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle. They discuss: 👉🏾 Darren's background 👉🏿 what the 18.6 real estate cycle is 👉🏻 the four phases of the cycle 👉 where are we in the cycle right now? 👉🏼 should we expect a downturn from 2027? 👉🏾 signs...

Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss: 👉🏻 a day in the life of a buyer's agent 👉 why invest in regional VIC? 👉🏼 Geelong snapshot 👉🏽 VIC land tax 👉🏾 Shepparton snapshot & $420k buyer case study 👉🏿 Bendigo snapshot 👉🏻 Bendigo $530k buyer case study 👉 mar...

Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on: 👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move 👉 cost of living & attitudes towards home ownership 👉🏼 rent to buy schemes & private lending 👉🏽...

Rach and John dig into some listener questions about: 👉🏾 funding renovations - cash, equity or future-value valuations 👉🏻 what if investors with 2+ properties had to sell 👉 converting non-tax deductible debt into tax deductible & loan splits 👉🏼 using equity to buy another investment property 👉🏽 debt recycling & selling a property that has split loans attached 👉🏻 how accurate is...

In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors. 👉🏾 school catchment premiums vs long-term capital gr...

The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on: 👉🏾 First Home Guarantee changes brought forward – what that means 👉🏼...

Selling property isn’t always straightforward and that’s where a seller’s agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a seller’s agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in the Room podcast, and founder of Good Deeds Propert...

Most people buy property in their own name, but other structures might suit your strategy. In this episode Rach is joined again by Leah Hall from Lift Accounting for a deep dive into the pros and cons of holding property in discretionary (family) trusts, unit trusts, companies, and self-managed super funds. They cover: 👉🏾 discretionary (family) trusts explained 👉🏿 unit trusts and when they’re...

In today’s episode, Rach chats with Alyce Lewis about her unique and inspiring journey into home ownership and building a property portfolio. By 28, she’d bought her first home, upsized to a dream lifestyle property with her partner, and added an investment to the mix. Alyce’s story shows how compromise, strategy and a dash of boldness can fast-track your goals. Alyce shares: 👉🏾 why her first ho...

In today's Q&A John and Rach tackle some great questions around: 👉🏾 property type vs location for wealth creation 👉🏿 sell or rent out my Brissy apartment? 👉🏻 invest in property or pay off the mortgage? 👉 invest in third investment property or shares? 👉🏼 how do people fund and service multiple properties? We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisp...

When love and money mix, things can get messy especially if you're not prepared. In this episode, family lawyer and mediator Kate O’Grady joins Rachelle to unpack how to protect your property and finances in a relationship. They cover: 👉🏿 the best time to seek advice from a family lawyer 👉 what to document before moving in together 👉🏽 conversations that are good to have early in your relation...

In today's episode John and Rach chat with Brandon Rickman aka The Flip Genius about what it’s really like flipping houses in the US. With 25 years of experience and over 500 flips under his belt, Brandon breaks down how he finds deals, funds renovations, and builds wealth in a market that operates very differently to ours. They chat about: 👉🏾 how flipping works in the US (and why it’s more comm...

In today's episode John and Rachelle break down the latest tenancy law changes across every Aussie state and territory. Staying across these updates is crucial, whether you're a tenant or landlord! Support adults and kids impacted by domestic violence: https://www.friendswithdignity.org.au/ 📘 Sort Your Property Out & Build Your Future: https://www.moneypodcast.com.au/resources#books Book a cl...

We asked what you wanted to know and you delivered. John and Rachelle answer your questions: 👉🏾 why don’t some banks pass on rate cuts? 👉🏿 can you use 100% equity to purchase an investment? 👉🏻 are there still neutrally and positively geared properties in this market? 👉 how much growth is enough to consider selling a property? 👉🏼 apartment vs townhouse in Sydney for PPOR 👉🏽 regional loca...

Eloise and Liam are rentvesting while living in Sydney and have built a $3 million+ property portfolio in just four years. In this episode, Eloise shares the practical steps they took to get started, build momentum and make strategic decisions along the way with the long term goal of financial freedom. From using her finance background to assess borrowing capacity and equity, to teaming up wi...

Thinking about building a new home or doing a knockdown rebuild? Rachelle chats with new home specialist Kerri-Ann Hooper from Carnelian Projects to unpack all the hidden costs, traps in building tenders and all the ways to avoid making costly mistakes. They cover: 👉🏾 why display home fittings often aren’t included 👉🏽 why you should be wary of builder discounts and gifts 👉🏿 what a building t...

What happens when one person’s keen to build wealth and the other just isn’t there yet? In this episode John and Rach unpack how couples can better understand each other’s financial mindset, and how to make progress without dragging anyone kicking and screaming. They talk about: 👉🏼 the importance of timing and delivery when talking about money goals 👉🏿 why shared end goals matter more than sha...

Interest rates are dropping, but what does that actually mean for your repayments, your mental game, and your next property move? John and Rachelle unpack the physical and psychological impacts of a falling rate environment, what buyers need to know right now, and the smart (and risky) choices many Aussies are facing. They touch on: 👉🏽 how much repayments could drop with more cuts 👉🏿 the menta...