this is property

It’s EOFY, so we’re bringing you a value-packed episode to help investors prep for tax time and plan ahead. Rach is joined by Leah Hall from Lift Accounting to run through her top tax tips, common mistakes to avoid, and the smartest ways to reduce holding costs, boost deductions, and time your sales for maximum benefit. They touch on: 👉 top tax tips for property investors 👉🏽 how to reduce the r...

Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode wa...

John and Rachelle go back to basics in this episode, answering common questions about buying your first investment property. From whether to buy a house or a unit, to what kind of loan structure and team you need, they break it all down. Plus, two real-life listener stories that show how different paths into the market can still lead to solid outcomes. This episode covers: 👉🏻 how to choose the r...

The election's over and Labor's locked in for another term, so what does that mean for home buyers and investors? John and Rach break down the key policies on the table and how they could impact the market over the next few years. They cover: 👉🏾 universal 5% deposit changes (no income cap!) 👉🏿 why January 2026 could trigger a demand surge 👉🏻 shared equity scheme pros and cons 👉 new builds v...

In this episode, John and Rach break down the three main options for upsizing your home. They also cover the emotional and financial realities of upsizing, why bridging loans get a bad rap, and how to test if you’re really ready for a bigger mortgage. Using real client stories, they unpack: 👉🏾 selling before you buy 👉🏻 buying before you sell (with or without a bridging loan) 👉🏼 negotiating a...

Today, John officially welcomes mortgage broker Rachelle Kroon as a permanent host on this is property! She's the founder of Sphere Home Loans and has been a familiar voice on the show over the years, so if you guessed it might be her, nice work! She knows her stuff and fits right in. To kick things off, John and Rach dive into a Q&A covering: 👉🏻 sibling or friend guarantees - are they even...

In today’s episode Rach from Sphere Home Loans returns to share a real client case study about Nicole, a young woman who started her property journey solo and made some smart early moves. With the help of a parental guarantee, Nicole built a two property portfolio before meeting her partner. But when it came time to buy their dream home together, things got complicated. Need clarity on your proper...

In today’s episode, Rach Kroon from Sphere Home Loans joins John on the pod to share her personal property journey. From getting into the market at a young age to building a diverse portfolio with duplexes, rentvesting, parental guarantees and commercial property in super, Rach shares the strategies, mindset shifts and money lessons she learned along the way. Need clarity on your property situatio...

Emily shares the five biggest lessons she’s learned about property, the industry, and herself + a BIG announcement. We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need. To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here . Hosted on Acast. See...

In this episode John and Emily unpack one of the biggest property questions: should you stretch for your dream home now, or take the stepping stone approach? They explore how borrowing power, lifestyle goals, location, and long-term thinking all play a role in making the right call for your first purchase. The ep touches on: 👉🏾 weighing up lifestyle vs long-term capital growth 👉🏿 understanding...

In today's Q&A episode John and Em tackle: 👉🏾 what to consider when buying your next property 👉🏿 how much are buyer’s advocate fees? 👉 removalists vs. DIY - what’s the best move? 👉🏻 interest rates - when will drops hit your repayments? 👉🏽 first home super saver scheme—why aren’t more people using it? 👉🏼 CGT on a duplex, stamp duty changes & more! Need a buyer's advocate in your...

Not all finance strategies are created equal. Rachelle Kroon from Sphere Home Loans joins John on the show to break down what makes a solid finance plan, the warning signs of a bad broker, and how to set yourself up for property success. They also dive into real case studies, including how a 22-year-old saved $90K and bought his first investment property while still living at home. Check out John'...

In today's episode, renovation coach Belinda Smith joins Em to bust common renovation myths and share expert tips on how to renovate smarter, not harder. They touch on: 👉🏾 the biggest renovation myths (and what actually works) 👉🏿 where to spend money (and where to save) 👉🏻 how to avoid overcapitalising on your reno 👉 the A-team you need for a stress-free renovation 👉🏼 why flipping isn’t t...

The 2025 property market is off and running! Emily and John break down what’s happening on the ground, from auction clearance rates and buyer sentiment to interest rate cuts and what they mean for homebuyers and investors. Plus, the surprising trends in first homebuyer competition and whether now is really the right time to buy. Need a property professional in your corner? Check out how Emily and...

The RBA has finally cut rates! John and Rach from Sphere Home Loans break down what it means for buyers, investors, and existing mortgage holders. They touch on: 👉🏻 how much borrowing power has changed 👉 whether investors are jumping back in 👉🏼 what first home buyers should do now 👉🏽 the possible changes to HELP debt and borrowing capacity Need a mortgage broker? Connect with the team at Sp...

Imagine saving for years, buying a property…then losing $50k in the blink of an eye. That’s exactly what happened to Adam. He joins John to share how a too good to be true property deal went south fast and the red flags he wished he'd paid more attention to. Want a clarity call with John about your situation? Book here Need a property professional in your corner? Check out how Emily and John can h...

Buying a home or investment? Don’t make these 6 common mistakes! John and Em share tips that could save you a fortune. Need a property professional in your corner? Check out how Emily and John can help 👇 Emily's website: https://wallaceadvocates.com.au/ John's website: https://www.solverewealth.com.au/ We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable mo...

In today's chat, John and Em tackle your property questions and unpack a crucial ATO rule change that could impact sellers. They touch on: 👉🏻 why sellers now need an ATO clearance certificate ( Learn more here) 👉 upsizing: is it worth taking on more debt? 👉🏼 the increase in home insurance premiums 👉🏽 shares vs property 👉🏾 should you pay off a smaller loan first or tackle the biggest debt?...

Is buying in bushfire or flood zones worth the risk? John and Emily discuss how to weigh the pros and cons, from property values and insurance premiums to essential precautions that can protect your home. Articles and resources mentioned in the chat: https://www.architectureanddesign.com.au/features/list/bushfire-proof-house-design https://www.afr.com/policy/economy/how-the-bom-s-weather-forecast-...

In today's episode Em and John unpack your questions, touching on: 👉🏻 standalone homes vs townhouses: which performs better? 👉 do energy-efficient renos like double glazing add value? 👉🏼 putting money in the offset account vs making extra repayments 👉🏽 timing investments and tax strategies for property owners 👉🏾 lifestyle considerations when buying or selling property Book a clarity call...

Today we're diving into the world of commercial property with expert guest, Matthew Wallace who also happens to be Em's dad! With years of experience as a commercial real estate agent, Matthew shares his insights on: 👉 residential vs commercial: bigger risks, bigger rewards? 👉🏻 top tips for first-time commercial property investors 👉🏾 finding locations with long-term potential 👉🏽 the impact...

In this episode, John and Rachelle Kroon from Sphere Home Loans dive into strategies for increasing your borrowing capacity, weighing up equity vs cash for property purchases, and the latest on LMI waivers. They also cover rental yields, government schemes, and tips for navigating today’s lending landscape. Learn more about Sphere Home Loans here Need a property professional in your corner? Check...

Happy new year! John and Em will be back next week with new episodes but for now, enjoy this popular episode from last year. Location, location, location. John and Emily chat about how important location is in your buying strategy, bust some myths and talk about tips and tricks for finding a good location. 🎧 John's 8 point investing strategy 👇 Listen on Apple Listen on Spotify Book a clarity cal...

Today's episode was a fan favourite so we're bringing it back! Should you buy a home to live in or an investment property first? This is such a common question and in this episode John walks through what to consider using an example of buying in Adelaide and a case study based in Manly, NSW. John touches on: 👉🏾 buying a house vs unit 👉🏿 your short term lifestyle and financial goals 👉🏻 y...

In this episode, mortgage broker Rachelle Kroon joins John to share three real-life property case studies: buying a first home, using equity for an investment, and upsizing into a dream home. She unpacks the numbers, the strategy, and the game-changing role of a good broker in navigating it all. Need a property professional in your corner? Check out how Emily and John can help 👇 Emily's website:...