Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

What if someone handed you the answers before you sat the exam?   That's essentially what today's guest is doing.   After decades of personal property investing and working alongside hundreds of investors at Metropole, Adam Hubbard has distilled everything he's learned - the wins, the near-misses, and the lessons that only time and experience can teach - into 10 principles that could genuinely res...

Australia's property market has changed gears again.   For the last few years, we've had a market driven by strong population growth, a chronic shortage of homes, tight rental markets and buyers who were desperate to get in before prices moved further away from them.   But according to Domain's latest FY2027 Forecast Report, we're now entering a very different phase.   Sydney and Melbourne house p...

House prices are falling across most of our capital cities right now, and the rate of decline is actually picking up speed.   Now, I know what the headlines are going to say about that. They'll call it a crash, a correction, a crisis — and frankly, most of those headlines will be written to scare you, not inform you.   So what's really going on? Is this the beginning of something serious, or is th...

You can be wealthy on paper and still feel poor in retirement. That's the challenge for many property investors: they're asset-rich, but their cash flow doesn't support the lifestyle they want.   That's why many investors think retirement means selling down the portfolio, paying off the debt, and living on what's left. But what if that's not the smartest strategy? What if the better outcome is kee...

Most people think building wealth through property is about being smart enough to pick the right suburb, time the market perfectly, or analyse the data better than everyone else.   What if the most important lessons weren't about property at all?   Albert Einstein never bought a house as an investment. He never negotiated with a bank or agonised over a depreciation schedule. But buried in the thin...

Today, we're diving into the wisdom , A nd perhaps the warnings , O f one of the most iconic voices in personal finance, Robert Kiyosaki.   Now, you've probably heard his famous advice: 'Buy assets, not liabilities,' or his stories about the R ich D ad and the P oor D ad. But here's the thing - hile Kiyosaki's early lessons transformed the way many of us think about money, his more recent tone has...

Most investors say they're long-term investors.   But then they check auction clearance rates every weekend, worry about the next interest rate decision, chase the latest hotspot, and get distracted by whatever the media says is working right now.   And that's a problem, because real wealth rarely comes from the investment that looks exciting today.   It comes from owning the right assets for long...

Today's podcast is a little different as it is a replay of a discussion I had with J oey D'Agata on the Property Strategy Podcast about the evolution of my investment philosophy and the lessons learned over the five decades I've been involved in property.   We explored my investment philosophy and how my thinking has evolved over time and the lessons I've learned as I progressed from being a begin...

What if you could sit down with someone who's spent over 50 years investing, building wealth, making mistakes, and getting it right… and ask them what they wish they'd known about money from day one?   Most people think building wealth is about finding the right investment or timing the market perfectly.   But after more than 50 years of investing, I can tell you that's not what really makes the d...

Most people have strong opinions about rich people.   They think the wealthy are lucky. Or greedy. Or born into privilege. Or somehow wired differently.   But here's the problem… if you believe any of that, there's a good chance you'll never build real wealth yourself.   Because those stories aren't just wrong – they're dangerous.   Today, Tom Corley and I discuss the common myths surrounding weal...

If you've been following the headlines, you'd be forgiven for thinking property markets rise and fall on the back of interest rates, government policy, or the latest migration numbers.   But when you step back and look at what really drives long-term property performance, a different story starts to emerge.   In fact, the biggest driver of property values isn't what most commentators focus on at a...

The property market has just taken an interesting turn.   After a strong run, we're now seeing signs that higher interest rates, affordability pressures and buyer uncertainty are starting to bite.   But as always, the headline numbers don't tell the full story.   Some markets are slowing, some are still showing resilience, and underneath it all we still have the same big issue: Australia simply is...

It doesn't matter whether you own an investment property, whether you're renting, or whether you're desperately trying to buy your first home. This Federal Budget has just made your situation harder.   If you're a tenant, rents are already punishing. Vacancy rates are near record lows, and there simply aren't enough rentals to go around. The tax changes will lightly push rents even higher. If you'...

There's a strange thing that happens to many property investors.   They'll spend hours worrying about tax, negative gearing, capital gains tax, trusts, land tax, and what the next government might change - yet they'll give far less thought to the quality of the asset they're buying, the level of debt they're taking on, or whether their portfolio is actually going to deliver the long-term returns t...

For decades we've celebrated rising house prices in Australia. If your home was worth more this year than last, life felt a bit easier.   Politicians were happy, banks were happy, homeowners were happy.    But after 50 years of almost uninterrupted price growth, we need to ask a harder question: Is it actually good for us if housing just keeps getting more expensive?    The answer, of course, depe...

Australia has always promised that if you worked hard, took responsibility, invested wisely and built something for your family, you'd be encouraged - or at least not punished for doing so.   But some of the recent Budget changes raise a very uncomfortable question: are we slowly dismantling that promise?   Because buried behind the headlines, the political spin and the carefully chosen language a...

Australia's property markets are still rising, but the cracks are starting to show.   Not the type of cracks that suggest a collapse, but the type that tell us the next stage of the cycle will reward careful, strategic investors and punish those chasing yesterday's hot spots.   According to Domain's latest House Price Report, most capital cities reached new highs in the March quarter, but the pace...

Most investors spend their time waiting for the market to do the heavy lifting.   But the more sophisticated investors don't wait. They create their own capital growth.   And in the current stage of the property cycle, that shift in thinking i s becoming essential.   I f you've been following the property markets lately, you'll know we're in a very different phase of the cycle.   The easy gains of...

There's never been more property data available to investors than there is today.   You can jump online and within minutes see median prices, growth rates, suburb rankings, sales histories, heat maps, demand scores and predictive analytics. It all looks impressive. It all looks scientific.   But here's the uncomfortable question…   What if most investors are using that data the wrong way?   What i...

If you own property in Australia right now, or you're thinking about buying, what we're going to share with you today could change how you think about where this market is heading.   You see, there's a bit of a disconnect in today's property market, and if you're only following the headlines, it's easy to miss what's really going on.   While prices are still rising and demand is holding up, undern...

Most property investors think finance is just about getting a loan approved.   But in today's environment, that thinking can quietly cost you hundreds of thousands of dollars… or worse, stop you from growing your portfolio altogether.   Because the rules have changed. Lending policies are tighter, serviceability is harder, and one wrong move can lock you out of future opportunities.   So today, Do...

What if the real reason you are not yet where you want to be financially has nothing to do with interest rates, your income, or the market... and everything to do with what my guest today calls your "head trash"?   My guest today is Dr Noah St John. He grew up poor in a wealthy town, surrounded by people who seemed to have cracked the code on money and success while he felt stuck on the outside lo...

Most property investors think they're saving money by choosing a cheaper property manager.   But what if that decision is quietly costing them tens of thousands of dollars?   Today, we're unpacking why the right property manager isn't a cost at all, but one of the most valuable assets in your wealth-building team.   This conversation is part of my Wealth Retreat Conversations series, where I'm giv...

Everyone wants to pay less tax.   But the real question isn't just how to save tax this year. It's about how to structure your wealth so you can grow it, protect it, and eventually pass it on without creating unnecessary tax burdens, risks, or family chaos.     In today's Wealth Retreat Conversations episode, the series we're running to help you get a taste of the type of thinking and insights you...

Most property investors think success comes down to buying the right property at the right price.   But the truth is… the real difference between successful investors and those who struggle has very little to do with the property itself.   It comes down to strategy .   Because the investors who build long-term wealth don't just buy property - they build a long-term property strategy which includes...