Let's be honest — if our politicians really wanted housing to be affordable, it would be by now.

They've had decades to fix it. There have been inquiries, commissions, roundtables, and billions thrown at so-called "affordability schemes."

And yet, what do we have? Record house prices, record rents, and a generation of young Aussies wondering if they'll ever own a home.

Maybe — just maybe — that's not an accident.

In today's Big Picture episode, Ken Raiss and I unpack why the housing affordability crisis isn't a policy failure... it's the system working exactly as designed.

We'll explore why politicians can't afford for property prices to fall, how government policy quietly rewards property owners, and what that means for investors like you.

Takeaways 

·         Housing affordability remains a critical issue in Australia.

·         Government policies often prioritize property value stability over affordability.

·         Cultural perceptions link home ownership to success in Australia.

·         A significant percentage of politicians own property, influencing housing policies.

·         Consumer confidence is low despite some economic improvements.

·         Investors should focus on strategic property purchases.

·         Wealth advisory services can help investors navigate complex markets.

·         Economic uncertainty can create opportunities for savvy investors.

·         Long-term planning is essential for property investment success.

·         Education and preparation are key for investors to capitalize on market changes.

Chapters 

02:07 - Why Politicians Can't Afford for Property Prices to Fall 

04:59 - How Government Taxes Depend on Rising Property Values 

06:50 - Banks, Confidence and the Economy Built on Housing 

09:05 - Cultural Bias: Homeownership as the Core of Australia's Identity 

12:11 - Why 94% of Politicians Own Property and Won't Change the Rules 

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·         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.

Michael Yardney
http://michaelyardney.com/

Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs Click here and have a chat with us

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

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. Or click here: https://demographicsdecoded.com.au/

If you've been wondering whether Australia's housing boom still has legs, or if we've already hit the peak of this cycle, then today's episode will give you the clarity you've been looking for.

Because, according to Dr Andrew Wilson, home prices across our capital cities accelerated again in October — marking the strongest monthly growth in nearly four years.

Now, this kind of broad-based growth might surprise some commentators who've been predicting a slowdown.

But as Andrew points out in his latest House Price Report, the combination of lower interest rates, improved affordability, and chronic undersupply continues to fuel strong buyer demand — particularly in markets where stock remains scarce and confidence is returning fast.

Takeaways 

·         Most Australians focus on short-term financial concerns.

·         Interest rates and media headlines distract average investors.

·         Property markets have performed more strongly than expected this year.

·         All capital cities reported higher property prices recently.

·         Brisbane's unit market has seen significant growth.

·         Fear of missing out is influencing buyer behavior.

·         The national house price has increased by 8.3% over the past year.

·         Strong fundamentals are supporting ongoing price increases.

·         The housing market is expected to remain active in the coming months.

Chapters 

02:08 - Australia's Strongest Price Growth in Four Years 

04:38 - Did the Reserve Bank Cut Rates Too Soon? 

07:18 - How the Data Really Measures Monthly Price Trends 

08:01 - House Prices Surge Nationwide — The Boom Returns 

11:40 - Brisbane Leads as Units and Houses Break New Records

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

•    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 a bundle of eBooks and Reports at www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

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. 

Three rate cuts this year have clearly lit a fire under our property markets.

Affordability has improved, confidence is back, and the spring selling season is heating up.

It's not just houses making gains - unit prices have now risen for eight straight months. Brisbane and Adelaide are leading the charge, while Melbourne is quietly staging a comeback.

Today I'm joined by Dr Andrew Wilson, and we'll dig into the latest numbers.

And to help you get clarity amongst the many mixed messages in today's housing markets, we're going to discuss what's driving our housing markets, and will this continue now that the RBA is likely to put rate cuts on hold for a while.

Takeaways 

·         Affordability in property markets has improved significantly.

·         Confidence is returning to the property market, leading to increased sales.

·         Investors should look for areas with strong fundamentals for future growth.

·         Successful property investment requires strategic advice and education.

·         The current market is characterized by a fear of missing out (FOMO) among buyers.

·         Interest rate cuts have contributed to market momentum.

·         Regional markets like Brisbane and Darwin are showing strong growth.

·         Economic factors such as low unemployment and retail sales are supporting the housing market.

·         The spring selling season is expected to drive further price increases.

·         It's not too late to invest in property, but timing and asset choice are crucial.

Chapters 

01:22 - National House Prices Keep Rising for Seven Months Straight 

05:15 - Brisbane, Darwin and Adelaide Lead Quarterly Growth 

09:09 - Unit Markets Strengthen, Brisbane Up Nearly 50% in Two Years 

11:42 - Inflation Pressures Return as Energy Subsidies Wind Back 

13:02 - Spring Selling Season and Melbourne's Prestige Market Revival

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·        Win a hard copy of What Every Property Investor Needs to Know About Finance, Tax and the Law.

·         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 www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here

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.

In this episode we discuss the findings of the 2024 Property Investment Professionals Association Annual Investor Sentiment Survey with Nicola MacDougall. We explore the current state of the property investment market, the challenges investors face, including rising holding costs and government policies, and the importance of having a clear investment strategy. The conversation also touches on the role of investors in the rental crisis, the perception of different states as investment-friendly, and the need for qualified property advisors in the industry.

Links and Resources:

Michael Yardney

Nicola McDougall – chair of PIPA – download the PIPA Annual Investment survey https://www.pipa.asn.au/wp-content/uploads/PIPA_Investor-Survey-Report_2024.pdf here

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us 

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Insights from the PIPA Investor Survey – with Nicola McDougall

I am about to shatter your very understanding of happiness. For some listeners, this may be discomforting; for others, this may be a revelation.

In my chat with international best-selling author Tom Corley today, we will explain why wealthy people are happier.

Now, I know they say money can't buy happiness, but please bear with me as Tom and I discuss his Rich Habits research so you can understand what we're on about.

At the end of today's show, you'll realize this is not a judgment about rich or poor people, however, it will give you a guide just to how to get more out of your own life.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Tom Corley's blog

Get your copy of Rich Habits, Poor Habits here- www.RichHabitsPoorHabits.com

Also, please subscribe to my new 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.

Shownotes plus more here: The truth behind why rich people are happier with Tom Corley

In today's show, we answer one of the questions on almost every property investor's mind: "How long does it take for my investment property to cover its costs?"

We all know property investment is a long-term game, but it's easy to get frustrated when you're pouring money into your investment and not seeing immediate returns.

So, how long should we be prepared to wait? And what can we do to speed up the process?

That's what I'm going to ask my guest today, independent financial advisor and property expert Stuart Wemyss, director of Prosolution Private Clients.

So, if you've ever felt frustrated by the ongoing expenses of your investment property or wondered if you're on the right track, you won't want to miss today's show!

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart's Book – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.

Shownotes plus more here: Is Your Investment Property a Money Pit? When It Will Finally Start Paying You! With Stuart Wemyss

Today is another of our popular question-and-answer shows. It's the replay of a recent webinar where Ken Raiss, Brett Warren, and I answered a wide range of questions asked by the participants.

Today's show covers strategies and considerations for building a strong property portfolio amidst economic challenges. Whether you're looking to invest in Melbourne's promising market or curious about the financial strategies needed to secure your investments, this episode offers a wealth of knowledge tailored for both seasoned and aspiring property investors.

Links and Resources:

Michael Yardney

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Brett Warren - National Director Metropole

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Ask the Experts – Answers to your property questions with Ken Raiss and Brett Warren

Today, we're talking about property data.

We've all heard the saying, "The numbers don't lie," but what if I told you that relying too much on property data could actually lead you astray?

That's exactly what my guest, Stuart Wemyss and I talk about today.

If you've ever felt overwhelmed by the endless stream of property market data or found yourself second-guessing your investment decisions because of some 'hot' new trend, then this episode is for you.

Stuart will break down which numbers you can trust, how to spot the indicators that matter, and why sometimes, the data can lead even the smartest investors down the wrong path.

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart's Book – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.

Shownotes plus more here: Why You Should Ignore Most Property Data – Insights from Stuart Wemyss

Today we're going to talk about why medium prices may not be the best gauge for housing costs.

Now, if you're like most property investors or people interested in property, apart from auction results, medium prices are probably the most quoted statistic, but maybe they're not the right way for you to judge how our housing market's going. Maybe it's not the best benchmark, and my discussion today with leading demographer Simon Kuestenmacher may challenge some of your perspectives.

Links and Resources:

Subscribe to the Demographics Decoded Podcast on:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Shownotes plus more here: Forget Median Prices! Discover the Real Way to Gauge Housing Affordability with Simon Kuestenmacher

Today, we're diving into some timeless wisdom that has guided investors for decades, but with a twist—how these principles apply to property investment.

Ken Raiss and I will explore Benjamin Graham's teachings from his seminal book, The Intelligent Investor, a classic in the world of investing, often revered as the ultimate guide to building wealth.

Now, you might wonder, "What does a book written in 1949 about stock market investing have to do with property?"

Well, Graham's principles transcend asset classes, offering powerful insights into the psychology of investing, that are just as relevant to property investors as to those in the stock market.

So, Ken Raiss and I will translate Graham's insights into actionable strategies for you for today's property market. We'll discuss how to apply these principles to build a resilient and prosperous property portfolio, one that can withstand market fluctuations and help you achieve long-term financial security.

Links and Resources:

Subscribe to our new Demographics Decoded Podcast with Simon Kuestenmacher on Apple Podcasts or Spotify or YouTube

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Shownotes plus more here: What The Intelligent Investor Can Teach You About Thriving in Property Investment with Ken Raiss

In today's show we discuss why the rich seem to have fewer problems and how, while money doesn't necessarily buy happiness, it certainly can create less unhappiness.

Together with Tom Corley, the co-author of my best-selling book Rich Habits Poor Habits, we challenge some common misconceptions and dig deep into why financial stability can alleviate many of life's stresses.

Of course, money doesn't automatically equate to happiness; the rich have their problems and challenges as well.

Still, I'm sure you'll find my conversation with Tom enlightening as he explains how his study shows that money can alleviate 58% of all the problems we experience.

So, let's unpack these ideas and provide you with insights that can help you on your own journey to success and fulfillment.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Tom Corley's blog

Get your copy of Rich Habits, Poor Habits here- www.RichHabitsPoorHabits.com

Also, please subscribe to my new 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.

Shownotes plus more here: Believe it or not, the rich have 58% fewer problems, With Tom Corley

Have you thought about investing in commercial property?

You're not alone — faced with the prospect of more moderate returns from their residential property investments, many investors consider this an alternative. 

By this I mean offices, shops, or warehouses.

Some investors are looking for diversification in their investment portfolios; others are looking for positive cash flow. Some investors have noticed that most institutional property investors and many of the investors you read about in the Financial Review Rich 200 List own mainly commercial properties.

Links and Resources:

Subscribe to the new Demographics Decoded Podcast with Simon Kuestenmacher :

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Brett Warren - National Director Metropole

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Commercial Property Investment: A Wise Choice or a Gamble? With Brett Warren

Today, we're tackling one of the most exhilarating—and sometimes nerve-wracking—aspects of the real estate market: auctions.

Around Australia, weekend property auctions have become almost a national pastime. People love to go along to have a sticky beak, to get an idea of the market, to fantasize about their dream homes or just to watch the street theatre unfolding before them.

It's a bit like watching buskers – you see an auction being conducted and you have to stop and gawk for a while.

For all the street theatre and entertainment value, auctions represent a lot of stress and tension for those involved so today and that's why I'm pleased to have a chat with Andy Reid today.

Andy is not just an award-winning auctioneer; he's a master of the auction floor, with a wealth of experience that gives him a unique perspective on what it takes to succeed and get that property you're after.

In this episode, we'll be discussing everything from the insider tips that can give you an edge, to the common mistakes that trip up even seasoned bidders.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get in contact with Andy Reid – Auctioneer and Real Estate Coach

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Outsmarting the Competition: Auction Day Secrets with Andy Reid

Australia's housing market is at a crossroads.

For first-home buyers, the dream of ownership has never felt further away – with deposits taking more than 8 years to save and mortgage repayments eating up over half of disposable incomes.

Yet, at the same time, buyer demand is powering ahead, clearance rates are hitting multi-year highs, and spring is shaping up to be supercharged.

How can both of these things be true? And what does it mean for you – whether you're buying, renting, or investing?

Today I'm going to sit down with Dr. Nicola Powell, Domain's Chief of Research and Economics to unpack their latest affordability report and market insights.

Today's episode of the Michael Yardney Podcast is a conversation you don't want to miss if you want to get some clarity on what's going on in our housing market.

Takeaways 

·         The typical household now takes longer to save for a deposit.

·         First home buyer grants are changing the market dynamics.

·         Younger Australians are facing significant barriers to home ownership.

·         Affordability is reshaping buyer demand and preferences.

·         There is a notable shift towards multi-generational living arrangements.

·         Auction clearance rates indicate a positive market momentum.

·         The rental market remains competitive for tenants.

·         Days on market for properties are stretching in some areas.

·         Investors are returning to the market with confidence.

·         Market conditions are uneven across different cities.

Chapters 

02:05 - Affordability Crisis: Eight Years to Save a Deposit 

04:29 - First Home Buyer Schemes Reshape Market Demand 

05:53 - Generational Divide in Home Ownership Rates 

08:38 - Buyer Search Trends: Granny Flats and Heritage Homes 

13:33 - Supercharged Spring Market and Days on Market Shifts

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·        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 Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here 

Dr Nicola Powell, Chief of Research and Economics at Domain 

Domain reports:

1.     Domain's key words and hotspot report. https://www.domain.com.au/research/this-springs-housing-buzz-top-keywords-homes-hotspots-1427073/

2.     Affordability at breaking point. https://www.domain.com.au/research/the-home-ownership-puzzle-affordability-at-breaking-point-1423719/

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

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.

Today, I want to give you my thoughts on a topic that's been dominating headlines and sparking debates across the country: housing affordability.

It's a subject that stirs up strong emotions, especially as the dream of home ownership seems to be slipping further out of reach for many Australians. But here's the question that I think you really need to ask: do we really want houses to be more affordable?

On the surface, it seems like an obvious yes. Who wouldn't want more people to have access to their housing market?

But when we dig deeper, we uncover a complex web of economic, social, and political factors that make the issue far more complicated than it appears.

So in today's episode, I want to explore these nuances with you. We'll look at the broader implications of making housing more affordable, discuss who really benefits from rising property prices, and consider what it would take to genuinely address the affordability crisis.

Links and Resources:

Michael Yardney

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au 

Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.

Shownotes plus more here: The Shocking Truth About Housing Affordability: Do We Really Want Cheaper Homes?

Today is another of our popular question-and-answer shows where Ken Raiss, Brett Warren, and I answer a wide range of questions asked by the participants of a recent webinar.

We answered questions about why the Melbourne property market is currently underperforming and when to expect it to turn around, there are a number of questions regarding the land tax, we talked about rentvesting, where the best place to invest in Australia is at the moment, ownership structures and much more.

I'm sure as a property investor you'll benefit from listening to today's show.

Links and Resources:

Michael Yardney

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Brett Warren - National Director Metropole

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Answers to your property questions with Ken Raiss and Brett Warren

Housing affordability, or the lack thereof, and the historically low vacancy rates, have often been blamed on a large number of overseas migrants coming to Australia, so what would happen if we stopped migration?

That's what I'm going to be discussing today with leading demographer Simon Kuestenmacher..

However, this is a special episode of a new second podcast that I'll be delivering to you each week with Simon.

Over the last four years, Simon has been one of the most popular regular guests on this podcast and because we both believe the demographics are going to be one of the main drivers of our property markets, business, and economy moving forward, we are publishing a separate podcast that we're calling Demographics Decoded where we're going to unravel the trends that will shape the future of your investment decisions business strategies and organizational planning.

While you're hearing the show today on the Michael Yardney podcast, Demographics Decoded has its own channel on all podcast Apps and YouTube.

I'm running the show here on the Michael Yardney podcast to give you a taste of what's ahead, but please stop for a moment and look for demographics decoded on whichever podcast App you're currently listening to this show on and subscribe to that show as well. I will leave a link in the show notes to make it easy.

Links and Resources:

Subscribe to the Demographics Decoded Podcast on:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher – Director, The Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: What if we stop immigration – will it really help our property markets? With Simon Kuestenmacher

We all have a limit to our budgets, and I know many investors have to make the decision: should you invest in an investment-grade apartment in a prime location or a house in a secondary location?

Each option has its benefits and challenges and choosing the right one can significantly impact your investment returns.

Today I'm joined by Stuart Wemyss and I ask him what makes an apartment "investment-grade," the critical role of location in property investment, and how to balance capital growth with rental yield.

We'll also explore market trends, tenant preferences, and long-term investment strategies to help you determine which option aligns best with your financial goals.

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart's Book – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Shownotes plus more here: The Property Dilemma: Investment-Grade Apartments or Secondary Location Houses? With Stuart Wemyss

Welcome to another monthly Big Picture episode of the Michael Yardney podcast.

Each month, I get together with leading financial commentator Pete Wargent, who brings decades of perspective to his views.

In this episode, we explore a range of topics from inflation and government spending to property investment strategies and market trends.

Links and Resources:

Metropole's Strategic Property Plan – to help both beginning and experienced investors

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Pete Wargent's blog

Pete Wargent's new book, The Buy Right Approach to Property Investing

Pete's podcast episode we mentioned

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Economic Indicators That Property Investors Must Know About | Big Picture Podcast with Pete Wargent

In today's show I chat with Ross Elliot, a prominent voice in the property market and urban development.

Ross recently penned a thought-provoking article titled "The Housing Fix We Actually Can Do," where he delves into the impact of taxes on property affordability and offers practical solutions to this pressing issue.

We'll discuss the current tax policies and their effects on housing affordability and explore feasible changes that could significantly improve the situation.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Ross Elliott – subscribe to his blog here.

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: The Shocking Truth About Property Taxes: Why Your Home is Unaffordable!

In today's show, we discuss Domain's latest Profit and Loss Report with Dr. Nicola Powell, the Chief of Research and Economics at Domain.

In this detailed look at the current state of the property market across the country we explore the key findings from the report, dive into regional disparities, and discuss the impact of economic factors like interest rates and inflation on property profitability.

Links and Resources:

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Dr Nicola Powell, Domain's Chief of Research and Economics

Domain's Profit and Loss Report

Get a bundle of eBooks and reports – www.PodcastBonus.com.au

Since you're a fan of podcasts, please subscribe to my Demographics Decoded podcast that I publish every Wednesday with leading demographer Simon Kuestenmacher and allow us to unveil the trends shaping your future. Just follow that show on whatever podcast you're listening to this podcast.

Shownotes plus more here: Revealed: The Surprising Truth About Property Profits in 2024 with Dr. Nicola Powell

Today we're going to tackle one of the most critical decisions every property investor faces: where to buy.

It's often said that the three most important factors in property investment are location, location, and location—but what does that really mean?

Not every suburb or street will deliver the kind of growth and returns you're hoping for.

To truly succeed, you need to be looking at investment-grade locations—those rare spots that consistently outperform the broader market.

I'm joined by Brett Warren, national director at Metropole Property Strategists and an expert who identifies these high-potential areas. Brett has spent years analysing data, spotting trends, and helping investors make smarter decisions.

Today, he shares his insights on what makes a location investment grade, why some areas rise while others stagnate, and how you can position yourself for maximum growth.

So, if you're tired of mediocre returns and want your investments to stand out, this episode is for you. We're going to dive deep into the strategies that will help you choose the right locations and set your property portfolio up for long-term success.

Links and Resources:

Michael Yardney

Brett Warren, National Director of Property at Metropole

Join Brett Warren, Greg Hankinson, Leanne Jopson, and Lachlan Mirams at the Ultimate Property Development Workshop in Melbourne on October 5th – find out more and reserve your spot here

Also, please subscribe to my new 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.

Shownotes plus more here: Finding Investment-Grade Locations: How to Make Your Property Outperform the Market with Brett Warren

Welcome to another episode of the Michael Yardney Podcast, and today we're exploring a topic that affects us all: how the way we live has changed.

My guest today, Lucinda Hartley, who has been named one of Australia's 100 most influential women, is a serial founder, technology leader, leading expert in social trends shaping the future of our cities and work, a TEDx speaker, and Chief Growth Officer at Mondas Capital.

Lucinda's written extensively about the disconnect between our evolving lifestyles and our static build environments, so I'd like to discuss how our homes and communities can better adapt to how we live, integrating technology, sustainability and a sense of community into the very fabric of our buildings.

So, whether you're a property investor a homeowner, or just curious about the future of our living, this episode's sure to provide you some valuable perspectives.

Links and Resources:

Lucinda Hartley  Urban Strategy Consultant and Chief Growth Officer at Mondus Capital 

Subscribe to Lucinda's blog on Substack here.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Shownotes plus more here: Future Living: Why Our Buildings Need to Catch Up

In our current fragmented property markets, with some locations performing and others languishing, many investors are looking to "manufacture" capital growth by participating in property development.

While the property development process can be very lucrative, it is not without some pain and considerable risk.

When all goes well, the results are fantastic, but if things go wrong, they really go wrong.

So today, I'd like to give you some insights into getting started on property development with Greg Hankinson, my business partner in Metropole Construction and director of the Metropole Project Development division.

Links and Resources:

Michael Yardney

Greg Hankinson

Join Greg Hankinson, Brett Warren and Lachlan Mirams at the Ultimate Property Development Workshop in Melbourne on October 5th – find out more and reserve your spot here

Also, please subscribe to my new 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.

Shownotes plus more here: Property Development 101: The Insider's Guide to Building Your Wealth Fast! With Greg Hankinson

Everyone was banking on another interest rate cut this year – but what if it never comes?

In this month' Big Picture Podcast, Ken Raiss and I will unpack why the economy is running hotter than expected, and what that means for rates, housing, and your mortgage.

We also explain how the Bank of Mum and Dad is helping nearly 1 in 5 first-home buyers who get financial help from their parents and what this means for housing affordability.

And we forecast how Australia's rental crisis is about to get worse as investors are leaving the market in record numbers at a time when the government has no way of achieving its big housing targets.

Takeaways 

·         The economy is running hotter than expected.

·         First home buyers are increasingly relying on parental support.

·         Government incentives are making it easier for first home buyers.

·         Investor sentiment is declining due to regulatory uncertainty.

·         The property market is expected to remain strong despite challenges.

·         Interest rates are a key factor in the housing market dynamics.

·         Strategic property investment is crucial for long-term success.

·         Times of uncertainty can create opportunities for informed investors.

Chapters 

00:00 - Introduction and Overview

03:00 - Interest Rates and Economic Factors

09:00 - First Home Buyers and Family Support

15:00 - Rental Market Challenges

21:00 - Strategic Investment and Wealth Management

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·         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.

Michael Yardney

Get the team at Metropole to create a Strategic Property and  Wealth plan for your needs Click here and have a chat with us  https://metropole.com.au/enquiry/ 

Ken Raiss, Director of Metropole Wealth Advisory

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

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. Or click here: https://demographicsdecoded.com.au/

When it comes to real estate transactions, many buyers wonder, "Do real estate agents lie?"

The short answer is that most real estate agents are honest, hardworking individuals who aim to help their clients achieve their property goals.

However, the nature of negotiations in real estate often involves part-truths, half-truths, and little white lies.

Understanding the difference between an agent withholding information and outright lying is crucial to navigating the property market effectively.

So today, I'm going to help you understand how to deal with estate agents by having a chat with the National Director of Metropole, Brett Warren, about the type of lies you can expect when dealing with an estate agent and how to pick them so the agent doesn't get the upper hand on you.

Links and Resources:

Subscribe to our new Demographics Decoded Podcast with Simon:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Brett Warren - National Director Metropole

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Buyer Beware: Where real estate agents bend the truth, with Brett Warren

Today's episode of the podcast is special because, if you're a property investor or planning to become one, we're going to uncover some shocking new rules that could cost you thousands, something all investors need to know, but we've found many don't know.

So I'm going to be chatting with the National Director of Metropole Property Management, Leanne Jopson, and we're going to talk about some of these new legislative changes.

Now, I'm sure you're aware the governments have implemented a series of legislative changes. State governments are seeming to change the rules over and over again.  While the intention is to protect tenants, they've placed a much greater burden on landlords and property managers alike.

We're going to talk about government interference and some of the legislative changes, some of the burden of compliance, and I bet you didn't know the fines that you could face if your property doesn't meet minimum standards. I'll talk a bit about the rental markets and we're going to explain what you need to look for in a property manager.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Leanne Jopson – Director Metropole Property Management

Click here to find out how Metropole Property Management can help you maximise the return on your properties

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Government Crackdown on Landlords: Are You Prepared for These New Property Laws with Leanne Jopson

Today, leading demographer Simon Kuestenmacher and I will explain why the 2030s is going to be an outstanding decade for property.

Now and then there is a significant strategic shift that creates a substantial property boom. Today, you'll hear why Simon believes the great wealth transfer of up to $6 trillion as the baby boomers die off will create an outstanding property and economic boom.

Today's show is the third episode of my new weekly podcast Demographics Decoded with Simon Kuestenmacher.

Over the last four years, Simon Kuestenmacher has been one of the most popular regular guests on this podcast, and because we both believe the demographics are going to be one of the main drivers of our property markets, business, and economy moving forward, we are publishing a separate podcast that we've called Demographics Decoded where we're going to unravel the trends that will shape the future of your investment decisions business strategies and organisational planning.

I'm running this episode show here on the Michael Yardney podcast to give you a taste of what's ahead. However, please stop for a moment and look for Demographics Decoded on whichever podcast app you're currently listening to this show on, and subscribe to that show as well. I will also leave a link in the show notes to make it easy.

Links and Resources:

Subscribe to the Demographics Decoded Podcast on:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher – Director, The Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: The Great Wealth Transfer – Baby Boomers Passing the Torch to the Next Generation with Simon Kuestenmacher

Today's episode is a Q&A show. In fact it's the replay of a recent webinar where Ken Raiss, Brett Warren and I answered a wide range of questions asked by the participants.

In this episode Ken Raiss, Brett Warren and I answer questions about the recent changes to the Tenancies Act in Victoria and explore the potential impacts on property investors.

We provide strategic advice on navigating the new legislative landscape, leveraging historical cycles, and maximizing returns on investment-grade properties.  

Links and Resources:

Michael Yardney

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Brett Warren - National Director Metropole

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Shownotes here: Unlocking Property Wealth – Your Questions Answered, with Ken Raiss and Brett Warren

Today's show is the second episode of my new weekly podcast with Simon Kuestenmacher. We'll be talking about tribes. And let's face it – we all belong to one.

So, as a property investor, business owner, or entrepreneur, you really must understand how the various tribes think and what they want out of life.

For the last four years, Simon has been one of the most popular regular guests on this podcast and because we both believe the demographics are going to be one of the main drivers of our property markets, business, and economy moving forward, we are publishing a separate podcast that we've called Demographics Decoded where we're going to unravel the trends that will shape the future of your investment decisions business strategies and organisational planning.

I'm running the show here on the Michael Yardney podcast to give you a taste of what's ahead, but please stop for a moment and look for Demographics Decoded on whichever podcast App you're currently listening to this show on and subscribe to that show as well. There is also a link below to make it easy.

Links and Resources:

Subscribe to the Demographics Decoded Podcast on:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher – Director, The Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Demographics Decoded: The Tribes Shaping Australia's Future with Simon Kuestenmacher

Each month I get together with leading financial commentator Pete Wargent, who brings decades of perspective to his views and we discuss the clues in the news as to what's ahead, for our economy and property markets.

Today we discuss the outlook for inflation and interest rates and what this means for our housing markets, an update on what APRA had to say about when they plan to loosen their lending buffers, home loan approval figures which give us an indication of what's ahead, what the plan to reduce international students to Australia could mean to our housing markets and the economy, and what's really happening in the Melbourne property market.

I hope by the end of today's show you'll have a bit more clarity with all the mixed messages in the media.

Links and Resources:

Metropole's Strategic Property Plan – to help both beginning and experienced investors

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Pete Wargent's blog

Pete Wargent's new book: The Buy Right Approach to Property Investing: Mastering the Skills to invest wisely in Property

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Also, please subscribe to my new 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.

Shownotes plus more here: Navigating our Economic and Property Markets | Big Picture Podcast

Hi, and welcome to another episode of the Michael Yardney podcast;.

This is a very special episode because I'm introducing the new second podcast that I'll deliver each week with leading demographer Simon Kuestenmacher.

For the last four years, Simon has been one of this podcast's most popular regular guests. Because we both believe the demographics are going to be one of the main drivers of our property markets, business, and economy moving forward, we are publishing a separate podcast we're calling Demographics Decoded, where we are going to unravel the trends that will shape the future of your investment decisions, business strategies and organizational planning.

We will unpack the data to unveil the future migration pattern and generation changes, which will impact industries and economies.

While you're hearing the show today on the Michael Yardney podcast, Demographics Decoded has its own channel on all podcast apps and YouTube.

I'm just running the show here on the Michael Yardney podcast to give you a taste of what's ahead, but please stop for a moment and look for demographics decoded on whichever podcast app you're currently listening to this show on and subscribe to that show as well. I will leave a link in the show notes to make it easy.

So on with episode # 1 of the Demographics Decoded Podcast - I hope you enjoy it and please remember to subscribe on your favorite podcast app.

Links and Resources:

Subscribe to the Demographics Decoded Podcast on:

●        Apple Podcasts:   https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675

●        Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK

●        YouTube:  https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Simon Kuestenmacher – Director, The Demographics Group

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Demographics Decoded with Simon Kuestenmacher Unveiling the trends that will shape your future

Today, Ken Raiss, director of Metropole Wealth Advisory, joins me to discuss a topic close to the hearts of many parents. We'll explore the various ways you can help your children enter the property market and secure their financial future.

So, if you're a parent looking to support your kids in buying their first property, or if you're just curious about the various ways to assist the next generation in achieving property success, I'm sure today's discussion with Ken will be valuable.

He will share practical strategies and insightful tips to guide your children toward homeownership, ensuring they start their property journey on the right foot.

Links and Resources:

Subscribe to our new Demographics Decoded Podcast with Simon Kuestenmacher on Apple Podcasts or Spotify or YouTube

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Shownotes plus more here: Securing Their Future: Helping Your Kids Enter the Property Market, with Ken Raiss

It was the blunt but ingenious billionaire Kerry Packer who memorably explained to a stunned parliamentary committee exactly how the tax system works.

The late business tycoon said, "I'm not evading tax in any way, shape, or form. Now, of course, I'm minimising my tax, and if anybody in this country doesn't minimise their tax, they want their heads read, because, as a government, I can tell you you're not spending it that well that we should be donating any extra now."

This classic summary of how things really work on the ground is just as accurate today as it was 33 years ago, and it'll probably remain accurate for many decades to come.

So, have you ever wondered how the wealthy seem to pay less tax than the average person?

Well, my guest today is accountant Alan Mason, who was Kerry Packer's former accountant, and he's the author of the book The Tax Secrets of the Rich.

Our discussion today will be critical for all businesspeople, but if you're a property investor, you are in the business of providing rental accommodation, so let's find out the tax secrets the tax office doesn't want you to know about.

Proven Tax Strategies from Alan Mason

The wealthy use sophisticated tax strategies to legally minimize their tax obligations and build substantial wealth.

Alan Mason, the former accountant of billionaire Kerry Packer and author of Tax Secrets of the Rich, shares his vast experience in our conversation today, offering valuable tips for businesspeople and property investors looking to optimise their tax strategies.

We discuss:

●        Alan Mason's 40-year career in tax and accounting, focusing on strategies used by high-net-worth individuals to legally minimize tax obligations

●        Kerry Packer's impact on business and cricket

●        Debunking common tax myths

●        The importance of having a proactive and knowledgeable advisor

●        Legal avenues such as charities and foundations that high-net-worth individuals use to minimize tax liabilities while maintaining transparency with the ATO

●        Strategies for handling complex transactions

o   Restructuring deals to be more tax-effective

o   The importance of pre-planning for tax liabilities

●        Strategies for property investors

o   Offsetting capital gains with losses

o   Prepaying interest to minimize tax bills

●        The significance of proper record-keeping and leveraging tax refunds to grow a portfolio

●        Adopting a millionaire mindset

o   Questioning the status quo

o   Seeking quality advice

o   Investing in professional advisors

●        Where people can find Alan's book

By the end of this episode, you'll gain a deeper understanding of the strategic tax planning and wealth-building strategies used by the rich, which will give you practical advice to grow your financial independence.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

About Allan Mason

Tax Secrets of the Rich - Buy Allan's book here

Get a bundle of eBooks and reports = www.PodcastBonus.com.au

Some of our favorite quotes from the show:

"Many people who have family trusts don't even understand the importance of the various people in the trust. So, you are mentioning the trustee can be changed, and this means it's important to become the appointor." – Michael Yardney

"So really what we're talking about is building up passive residual income that you don't have to work for anymore, and your money's working for you even when you're asleep or away on holidays." –Michael Yardney

"You see, the path to becoming wealthy is a long journey. The self-made millionaires in Tom's study understood how hard it was to accumulate their wealth, and because of this, because of their smart money mindset, I guess that got them there."  – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

On today's episode, I chat with Brett Warren about asking the right questions before buying that next property because doing that can make all the difference between a profitable venture and a costly mistake.

I'm sure you've heard me say before that property investment is a process, not an event, and the property that you're going to eventually buy should be the physical manifestation of a whole lot of decisions you make. So, in today's episode, we're going to explore the top 10 questions you've got to ask before making that next big purchase, and they're going to help you evaluate potential investments and understand market dynamics.

We're going to try and make sure that you set yourself up for long-term success.

So, by the end of this episode, you should have a comprehensive checklist to help you make informed and confident decisions in your property investment journey.

Essential Questions to Ask Before Your Next Property Purchase

●        Does this property fit into my long-term investment strategy?

o   Ensuring that the property aligns with your long-term financial goals and risk profile is essential for sustained success in property investment.

●        Have I created a comprehensive investment strategy?

o   A documented and proven strategy helps you make informed and confident decisions, reducing the likelihood of costly mistakes.

●        What is the true value of the property?

o   Understanding the property's value through recent comparable sales and intrinsic values helps set realistic market value thresholds and avoid overpaying.

●        What are the current market trends in the area?

o   Knowledge of market trends ensures that you are investing in an area with strong growth potential and avoids the pitfalls of investing based on outdated or unreliable data.

●        Have I secured pre-approval for finance?

o   Pre-approval provides clarity on your budget, strengthens your negotiating position, and ensures you can make a firm offer without finance contingencies.

●        Do I understand the local area and its growth potential?

o   Local expertise is crucial for making informed decisions and understanding factors that can affect the property's value and rental demand.

●        Is the property investment grade?

o   Not all properties are suitable for investment. Investment-grade properties offer strong capital appreciation, and steady cash flow, and are in high demand.

●        What is the cash flow and repayment capacity for this property?

o   Understanding cash flow and having a financial buffer is essential to handle unexpected expenses and ensure you can manage the property sustainably.

●        What ownership structure is best for this property?

o   Choosing the right ownership structure can optimize tax benefits and provide asset protection.

●        Have I conducted thorough due diligence on the property?

o   Assessing body corporate fees, potential structural issues, and other hidden costs helps avoid surprises and ensures the property is a sound investment.

●        Am I approaching this decision as an investor or am I emotionally involved?

o   Emotional decisions can lead to poor investments. Staying objective and focusing on the property's financial viability is crucial for long-term success.

Hopefully, after listening to this episode you've learned insights and tools you can use to enhance your investment journey and ultimately reach your financial goals. By asking these questions, you can make well-informed decisions that align with your investment goals and mitigate risks in your property investment journey.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us.

Brett Warren - National Director Metropole

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Some of our favourite quotes from the show:

"It's not as simple as some of the people tell you on social media. You can't buy 10 properties in 10 minutes, but if you have the right strategy, you definitely can outperform the markets ." – Michael Yardney

"I've often said I don't think I've ever bought a bargain. By the way, in today's very informed market, if it looks like a bargain, be very wary ." – Michael Yardney

"Complaining is not for winners in life. You must focus on what you can do, not what you can't do. You must focus on opportunities, not on difficulties." –  Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

In today's podcast, we are going to do something a little different.

You see, one of the common questions I get asked is, "Michael, what's your net worth?" It's a question people are curious about—and I get why.

However, rather than simply providing you with a number, I want to take you behind the scenes and share the principles, strategies, and mindset that have helped me achieve the financial freedom I enjoy today.

We'll talk about the stages of wealth creation, the power of leverage, and the lessons I've learned—sometimes the hard way—over the last five decades in property. And joining me for this conversation is Brett Warren, Director at Metropole, who will turn the tables and ask me the questions many of you have been wondering about.

And the intention of today's show is not to gloat, boast or show off, but to inspire you to build your own net worth.

Takeaways 

·         The pursuit of the easy often leads to more challenging tasks.

·         Wealth is not just about money; it includes health and relationships.

·         Net worth is a measure of financial health, not just income.

·         Investing is a long-term journey that requires patience and a strategic approach.

·         Leverage can be applied in various forms: time, relationships, mindset, and money.

·         Many investors focus too heavily on cash flow rather than asset growth.

·         A strategic plan is crucial for achieving success in property investment.

·         Mistakes in early investments can provide valuable lessons.

·         A positive mindset plays a crucial role in achieving financial success.

·         Surrounding yourself with successful individuals can accelerate your journey.

Chapters 

00:00 Behind the Scenes of Financial Freedom

01:24 Understanding True Wealth

06:45 Stages of Wealth Creation

09:26 Common Misconceptions in Wealth Building

14:42 Learning from Mistakes

20:09 Mindset and Wealth Building

23:00 Taking Action Towards Wealth

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·         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 Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Michael Yardney – Subscribe to my Property Update newsletter here 

Brett Warren - National Director of Property at Metropole

Get a bundle of eBooks and Reports at www.PodcastBonus.com.au

Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – look for Demographics Decoded wherever you are listening to this podcast and subscribe so that each week, we can unveil the trends shaping your future.

Today we discuss a topic that many property investors across Australia are concerned about. Considering the rising cost of holding investment properties, is it still worthwhile to invest in real estate?

Joining me is Stuart Wemyss, a respected independent financial advisor, author, and founder of Pro Solution Private Clients, and together we're going to be exploring the reasons behind some of the escalating holding costs, the impact on investors, and whether property investment really continues to be a sound long-term strategy.

Stuart will also share his thoughts on how investors can mitigate some of these costs and what the future holds for our property markets. So, whether you're just starting out and not sure about all the negative news you're hearing, or you're a seasoned investor and just want some confidence to keep going, this episode's packed with valuable information you're not going to want to miss.

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart's Books – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Shownotes plus more here: Rising Holding Costs: Is Property Investment Still Worth It? With Stuart Wemyss

Today's episode will be a bit different than usual. Joining me today is Brett Warren, National Director of Metropole Properties, and we're dedicating this entire episode to answering your questions.

So, whether you're a seasoned investor or just starting on your property journey, stick around because we've got some great questions and even better answers coming up. Let's jump right in!

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Brett Warren - National Director Metropole

Shownotes plus more here: Investor insights: your property questions answered, with Brett Warren

In today's show, Ken Raiss and I will discuss inheritance strategies to help make your children richer.

Whether you've already built substantial wealth or are just starting your financial journey, it's never too early or too late to start thinking about how to pass on your wealth to the next generation.

Today Ken shares his insights and expertise on estate planning, trust structures, and tax implications of inheritance.

We discuss the pros and cons of different strategies, including gifting, testamentary trusts, and family trusts, and explore how these can be tailored to your specific needs and circumstances.

So, whether you're a parent looking to provide for your children's future, or just curious about inheritance strategies and how they work, this episode is for you.

Estate Planning Essentials with Ken Raiss

I hope that by the end of this episode, you'll gain a deeper understanding of how to craft a legacy that not only protects your assets but also prepares the next generation for financial success. Ken's expert insights provide valuable guidance for anyone looking to secure their family's financial future and ensure a smooth transfer of wealth.

We discuss:

●        Inheritance strategies for wealth transfer, focusing on estate planning, trust structures, and tax implications

●        Importance of creating a strong will and communicating effectively with family members to avoid contested wills

●        The benefits and flexibility offered by family security trusts, testamentary trusts, and charitable foundations

●        Strategies for financially educating family members to ensure they understand and respect the assets they will inherit

●        Complexities of blended families and how to safeguard assets for original children

●        Special disability trusts to protect and provide for children with disabilities

●        Business succession planning

o   Key agreements

o   Insurance considerations

●        Importance of involving children in financial responsibilities

●        Education trusts and their role in funding children's schooling in a tax-effective manner

Links and Resources:

Ken Raiss, director Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Get Ken Raiss' report: Your Guide to Understanding Ownership Structures & Trusts – just click here

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here

Get your bundle of E-books and resources  my gift for subscribing to this podcast   www.PodcastBonus.com.au

Some of our favorite quotes from the show:

"In essence, the owner of the assets doesn't change, it's the trust, it's just the people who control it, who have access to it, that change." – Michael Yardney

"A testamentary trust can be set up during your lifetime. It forms part of your will, but it only comes into effect upon your death." – Michael Yardney

"And here's a little-known secret to success that only a small number of employees have ever discovered: going that extra mile is an investment in themselves." – Michael Yardney

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Welcome to another Big Picture episode of the Michael Yardney podcast, where I chat with leading financial commentator Pete Wargent.

Since our last chat, a lot's happened, including rising inflation causing embarrassment to the Reserve Bank, with some commentators now speculating interest rates will rise again.

As usual, there are clues in the news as to what's ahead for our economy and our housing markets and we discuss a raft of macro and microeconomic factors that should give you some clues as to what's ahead for our housing markets.

Housing Market Hurdles and Economic Trends in Australia

We discuss:

●        The May inflation figures and their potential impact on future interest rate hikes

●        How government spending, particularly federal and state budgets, is contributing to inflation

●        Rising living costs and electricity prices and their effects on spending habits across different demographics

●        Challenges faced by the Australian government's target to build 1.2 million homes by 2029

o   High cash rates

o   Reduced investor interest

o   Soaring construction costs

●        Comparing current construction trends to peak periods like 2017

●        The roles of foreign buyers in the market

●        Insights from Pete's book, The Buy Right Approach to Property Investing Mastering the Skills to Invest Wisely in Properties.

This episode is packed with expert insights from Pete and practical tips, making it a must-listen for anyone interested in understanding and navigating the complexities of Australia's economic and housing market landscape.

Links and Resources:

Metropole's Strategic Property Plan – to help both beginning and experienced investors

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Pete Wargent's blog

Pete Wargent's new book: The Buy Right Approach to Property Investing: Mastering the skills to Invest Wisely in Property

Some of our favorite quotes from the show:

"Well, the May housing approval figures came out and they shot up a little bit, but we're still nowhere near the sort of figures we're going to need to reach that target." – Michael Yardney

"I guess what we're saying is that unemployment is going to rise a little bit. The Reserve Bank wants that, but that may slow inflationary pressures down a little bit. But there's still jobs out there if you're wanting them." – Michael Yardney

"The message here is most of the critics actually sit on the sidelines. They're not in the arena, they don't try." – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

For years, the dream of homeownership has seemed increasingly out of reach for many. But what of those who can't even afford to rent Social Housing? Waiting lists are overflowing and the number of available dwellings just needs to catch up.

Today Nicola McDougall, chair of the Property Investment Professionals of Australia (PIPA) joins me and passionately advocates for a fair and more effective approach to social housing. You see, despite the government raking in billions of dollars from property taxes each year, our social housing stock has remained stagnant, and the number of people in desperate need of housing continues to rise.

Now, I'm not talking about affordable housing. We'll explain the differences, but unfortunately, private investors are often being blamed for this crisis. That's not the case. Nicola will help unpack the reasons behind the housing shortfall, discuss some of the impacts of government policies, and we're going to explore what needs to be done to provide adequate housing for all Australians.

Understanding Social Housing and Private Investment in Australia

In today's conversation with Nicola McDougall, we dive into the intricacies of Australia's social housing crisis and its impact on private investors. We discuss statistics, government policies, and strategic investment opportunities in a challenging market.

●        The differences between social housing (government-provided for the most vulnerable) and affordable housing (making renting and purchasing more accessible)

●        175,000 households on social housing waiting lists, stagnant social housing stock despite 33% population growth

●        Decline in social housing stock in New South Wales, Victoria, Queensland, and Western Australia

●        The role of private investors in providing rental housing

●        Critique of government policies, including ineffective housing initiatives and the financial burdens placed on private investors

o   Anti-investor legislation, such as increased property taxes and rental reforms, and their exacerbating effects on the housing crisis

●        Potential government incentives to encourage private investment in rental housing, including adjustments to capital gains tax

●        Challenges faced by highly leveraged property investors in a high-interest-rate environment

●        Opportunities in Melbourne's low vacancy rates and skyrocketing rents

●        Importance of portfolio diversification across different states and working with wealth strategists to outperform the market

●        Hidden taxes in the New South Wales budget, such as the shift of emergency service levies from insurance companies to property owners

Whether you're a seasoned property investor or you're just concerned about Australia's housing future, this episode offers valuable perspectives and actionable advice.

Links and Resources:

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get a bundle of eBooks and reports – www.PodcastBonus.com.au

Some of our favorite quotes from the show:

"Anyway, it's the government's job to help the disenfranchised people in Australia, and in general, it's not their fault, so this is not a judge of people." -- Michael Yardney

"Clearly, the government has no idea what it costs to construct high-rise dwellings. And if they do offer discounted rents to essential workers, and I'm not against the idea, I'm just saying the numbers don't work – where's the profit going to come from?"-- Michael Yardney

"But here's the problem. Oftentimes, exploiting your own innate abilities requires an enormous investment of your time before the investment begins to pay dividends. And because the investment doesn't produce immediate rewards for many people, it ends up being a problem."-- Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Today, I look into an issue that's causing ripples across the Victorian rental market and beyond. It's the exodus of landlords.

Joining me today is Mike Mortlock, Managing Director of MCG Quantity Surveyors, who recently wrote a detailed report about this. Not surprisingly, the problem isn't just confined to Victoria.

In general, many property investors are getting nervous and they're selling up. I also plan to ask him about another issue that could blow up and isn't just confined to Victoria. That's the fact that many are underinsured.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Mike Mortlock – MCG Quantity Surveyors

Get a bundle of eBooks and reports = www.PodcastBonus.com.au

Shownotes plus more here: Property Investors are Fleeing the Melbourne Market, with Mike Mortlock

On today's episode, Dr. Nicola Powell, the Chief of Research and Economics at Domain, and I want to discuss her latest Domain House Price Forecast Report, and I ask her to share her property forecasts for the financial year 2025.

We'll delve into the key findings of the report, explore regional variations in house prices, and discuss the economic factors influencing the market. We'll also cover the impact of interest rates, government policies, and supply and demand dynamics on the housing sector.

I'm sure you'll find this episode packed with valuable insights you won't want to miss, so let's get on with the show.

Australia's Property Market: Growth Predictions and Policy Impacts

Together, Nicola and I discuss various aspects influencing the market, including forecasts, policy impacts, and strategic investment opportunities.  Take a look at some key highlights from our conversation.

●     The latest Domain House Price Forecast Report and the expected trends in house prices across Australia

○     Prices will continue to rise

○     However, the pace of price growth should slow from previous levels

●     The importance of sustainable growth rates to avoid market volatility and downturns

●     Regional differences, including Perth's expected growth

○     The performance of regional markets in Queensland, New South Wales, and Victoria

●     The impact of housing policies on affordability trends

○      The historical influence of government shifts on property values

●     The challenges in meeting the government's target of 1.2 million new homes

○      The shortage of skilled tradespeople

●      Migration caps and workforce shortages and their implications for the housing market

●     The influence of APRA's 3% interest rate buffer on serviceability and the housing market

●     Melbourne's potential for growth due to increased immigration and opportunities for buying below intrinsic value

Our conversation emphasizes the importance of strategic decisions and optimism in achieving financial success in real estate, which will be helpful to listeners no matter whether you're new to property or a seasoned investor.

Links and Resources:

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Dr Nicola Powell, Domain's Chief of Research and Economics

Domain's Home Price Report

Get a bundle of eBooks and reports – www.PodcastBonus.com.au

Some of our favourite quotes from the show:

"Obviously, during COVID, regional Australia shot up. Property values grew. That was partly because people moved there. But I think one of the things people missed was also people not moving out of regional Australia." – Michael Yardney

"I think I was lucky. I've learned not to try and time the market but just manage my cash flows." –Michael Yardney

"So, if you're a pessimist, you're literally sabotaging your life. You're pushing the very people you need away, and you're left with no choice but to rely on yourself." – Michael Yardney

PLEASE LEAVE US A REVIEW

Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Today we're going to dive into the world of wealth creation and breaking the cycle of poverty.

Joining me is Tom Corley, who's dedicated his career to understanding the behaviours that separate the rich and the poor. According to Tom's research, only 4% of people born into poverty become rich.

Now, that's a shocking statistic. Why is it so hard to break free?

What are those habits holding people back and, most importantly, what can be changed?

Tom's going to answer those questions, and we're going to discuss the habits and mindsets that contribute to poverty, the role of knowledge and mentorship, and how to overcome the limiting beliefs that keep people stuck.

No matter where you are on your wealth journey, I'm sure my chat with Tom will be of benefit to you.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Tom Corley's blog

Get your copy of Rich Habits, Poor Habits here- www.RichHabitsPoorHabits.com

Shownotes plus more here: Only 4% of poor people become rich, why is it so hard? With Tom Corley

The common rhetoric in the media is that property prices just can't keep going up; they're too expensive, and our children will never be able to afford to get into the housing market.

Is this true?

Is the property party over?

I'm sure you've also heard it said that Baby Boomers like me had it much easier back in our day, since it was easier to get finance and affordability was better, meaning it was easier to get into the housing market.

Well, I know that I didn't have it easy, but I did have the advantage of several significant property booms over the five decades of investing, and in my early days of investing, rampant inflation pushed up the value of my properties.

So back to the initial question - is the property party over? Can property values keep strong?

These are the questions I will ask my guest today - independent financial adviser Stuart Wemyss, Director of Prosolution Private Clients, who has spent quite some time pondering these matters.

Links and Resources:

Michael Yardney

Stuart Wemyss – Prosolution Private Clients

Stuart's Book – Rules of the Lending Game & Investopoly

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Shownotes plus more here: Is the Property Party Over? The Future of Real Estate Values with Stuart Wemyss

While we regularly talk about property on this show, today we delve into the fascinating world of investment psychology with my good friend, Louise Bedford.

If you're not familiar with Louise, she is a leading expert in behavioural finance, a best-selling author, educator, and expert in trading psychology, and known for her ability to blend the intricacies of financial markets with the profound impact of psychological resilience.

I want to explore the themes from her latest book, Investing Psychology Secrets, and uncover the essential mental strategies investors need to succeed in today's markets.

We'll also examine some unique analogies Louise uses to illustrate key concepts, such as comparing the challenges of investing to dealing with tarantulas and how this can help us understand our self-worth and investment success.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Loise Bedford – The Trading Game.

Get Louise's new book: Investing Psychology Secrets

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Mastering Investment Psychology: Secrets to Financial Success with Louise Bedford

What if I told you that a $1 million property today could be worth $8 million in 30 years? Sounds unbelievable, right?

It's the kind of projection that makes people question whether Australia's property market can really keep growing the way it has for the past 45 years.

After all, with housing affordability constantly in the headlines and talk of "property bubbles," isn't 7% annual growth, meaning property value double every 10 years, a thing of the past?

Today I'm joined by Stuart Wemyss, a respected financial advisor and author who has written an excellent blog unpacking this very topic: "Can annual property growth persist at 7%?"

 It's a question he's been getting from clients, and the answer isn't as simple as yes or no.

Today, we're going to explore what really drives property prices, whether growth at that rate is sustainable, and most importantly, what it means for you as a property investor in today's market.

Takeaways 

·         Property values have historically grown at about 7% annually.

·         Inflation has a significant impact on real property growth rates.

·         Not all properties will experience the same growth rates.

·         Affordability is a growing concern for first home buyers.

·         Regional markets have demonstrated resilience and growth during the COVID-19 pandemic.

·         Interest rates play a crucial role in property market dynamics.

·         Wealth transfer from baby boomers will impact property values.

·         Government incentives can create short-term price increases.

·         Investors should focus on locations with strong income growth.

·         Understanding market fundamentals is key to successful property investment.

Chapters 

00:00 Understanding Property Value Growth

10:33 The Impact of Inflation on Property Prices

17:46 Regional vs. Capital City Property Markets

24:46 Factors Influencing Future Property Investments

Links and Resources:

Answer this week's trivia question here- www.PropertyTrivia.com.au

·         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.

Michael Yardney – Subscribe to my Property Update newsletter here 

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Stuart Wemyss – Prosolution Private Clients

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

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.

Are you feeling a bit overwhelmed by all the conflicting information about Australia's housing markets? Well, you're not alone.

A short while ago, Ken Raiss, director of Metropole Wealth Advisory, and I conducted a webinar, and even though there were well over 1,500 people registered for the webinar, I know the audience to this podcast considerably, considerably more than that, and so, therefore, I wanted to share it with you as well.

In the show notes, I'll leave you a link to where you can watch the replay and see the slides. We are going to talk about whether the housing market situation is a crisis – or is it an opportunity?

We're going to unpack the key factors shaping the current housing markets and where there will be opportunities to thrive. We're going to talk about some proven strategies for making sound investments even when the market is unpredictable. We're going to talk about protecting your investments and give you some predictions about where our housing markets will be in three years.

So, rather than making decisions based on fearmongering, this episode will help you make some evidence-based investment decisions.

Links and Resources:

Michael Yardney

Ken Raiss, director of Metropole Wealth Advisory

Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here

Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here.

Watch the replay of the original masterclass here.

Get your bundle of E-books and resources as my gift for subscribing to this podcast   www.PodcastBonus.com.au

Shownotes plus more here: Crisis or opportunity? Don't let the Housing Market Headlines Confuse You, with Ken Raiss

I have a very special episode for you today, where you'll hear Mark Bouris discuss what the Reserve Bank should think about when making interest rate decisions.

You're going to hear Mark Bouris explain how he keeps his wealth – and it's not what you think. He's also going to explain the real reason you should build wealth now.

Mark was the guest speaker at our recent Wealth Retreat. You're going to hear a portion of his discussion in this podcast today. If you're not familiar with who Mark Bouris is, he is the executive chairman of Yellow Brick Road, but he established a successful career by building disruptive businesses to challenge the market and provide smarter solutions for customers, particularly in the area of finance.

He's well recognised as a leading thinker and in 2015 he was appointed a member of the Order of Australia. So, you're going to enjoy Mark Bouris telling us a little bit about money, a little bit about health, a little bit about wealth.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: Mark Bouris on Building Wealth | Lessons from a Titan

Today's episode will not be a property episode, but it will definitely relate to property and building your wealth over time.

Becoming financially fluent would be the best gift you can give yourself.

The challenge is who do you listen to? Who do you get advice from?

That's why, in my daily Property Update we deliver property information from a range of leading experts and I discuss a lot about how to become financially fluent, and that's why we have these sorts of episodes on the podcast.

I've found that getting sound, impartial financial advice along your journey to wealth is not a cost. It's an investment.

Interestingly all the wealthy people I know have advisors and are happy to pay for them. At the same time, the average Australian gets financial advice from Instagram, Twitter, Facebook, and even podcasts like this.

So, despite that disclaimer, today I want to share seven money tips to supercharge your finances.

Links and Resources:

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us

Brett Warren - National Director Metropole

Get a bundle of free reports and eBooks – www.PodcastBonus.com.au

Shownotes plus more here: 7 money tips to supercharge your finances, with Brett Warren