this is property

In today's episode Rach interviews Ryan* who, after selling his first home at a loss, has methodically rentvested and built up a portfolio worth over $3m across QLD. Ryan walks through every decision, mistake and turning point, touching on: 👉🏾 buying his first home on the Gold Coast in 2009 and selling 5 years later 👉🏿 rentvesting and buying IP 1 in 2018 in Brisbane 👉🏻 buying IP 2 in 2020 in...

John and Rachelle are joined by Geoff Lucas, former CEO of McGrath and The Agency, to unpack what really goes on behind Australia’s real estate industry. They dive into leadership, high-performance culture, market cycles, what needs to improve and how technology and transparency could reshape buying and selling over the next decade. 👉🏼 Geoff's career background 👉🏽 franchise vs boutique real es...

Today's episode is a mix of clips from episodes this year unpacking how property lending really works, from loan structures and redraw strategies to bank policy changes and valuations. Topics covered: 👉🏾 using redraw from your investment loan to buy ETFs (clip from ep740) 👉🏿 using interest-only IP loans to smash PPOR mortgage faster (clip from ep737) 👉🏻 how accurate is the CommBank Home Hub...

Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include: 👉🏿 investment property choice: Sydney vs. regional? (clip from ep731) 👉🏻 claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740) 👉 pay off my property or use equity and invest now? (clip from...

In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about: 👉🏻 buying with an investor mindset from day one 👉 how picking locations he knew shaped his strategy 👉🏼 how he managed serviceability as a single buyer and as the portfolio grew 👉🏽 learnings: his first property wa...

Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about: 👉🏾 how regional markets differ from capital cities 👉 investor profiles that Marcus works with 👉🏻 areas that Marcus buys in and why 👉🏽 Tamworth deep dive - blue chip areas, price points 👉🏿 what type of proper...

John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme. 👉🏾 what APRA’s DTI cap actually is and who it affects 👉🏿 what's causing prices to continue going upward 👉🏻 tips for investors amidst the changes 👉 the winners and losers of...

At 23, Dan* bought his first property as an investment with a combination of hard work, strategy and support from his parents. In today's episode Dan joins Rachelle to share the steps he took to do that, touching on: 👉 the early money habits he established after reading The Barefoot Investor at 15 👉🏼 his saving and investing journey and how he saved that deposit 👉🏽 seeing a mortgage broker an...

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...