Explore every episode of the podcast The Property Couch
Dive into the complete episode list for The Property Couch. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
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Title
Pub. Date
Duration
Breaking: Could Victoria's New Auction Rules Make Things Worse for Buyers?
06 Oct 2026
00:29:41
Victoria has introduced major changes to the way residential properties are sold, including new reserve price rules for auctions and fixed-date sales. But will the reforms actually make things easier for buyers?
In this breaking news episode, Ben Kingsley is joined by Couch Crew regular Ben Thompson (qualified property investment adviser by day and licensed auctioneer on weekends) to unpack the new rules and the unintended consequences buyers need to know about.
Timestamps 0:00 Why Victoria is changing the rules 1:22 Understanding property price discovery 5:17 What underquoting actually means 6:35 The new reserve price disclosure rules 9:26 The new Property Price Statement explained 13:05 Rejected above reserve? What buyers should understand 15:39 Why reserve prices may become inflated 19:59 The hidden impact on private sales 24:37 Who wins and loses from these reforms? 28:14 Final thoughts and key takeaways
Should Wealthy Retirees Still Get Government Benefits? | FUNdamental Fridays
02 Oct 2026
00:13:53
Can Australia continue funding the level of concessions, subsidies and benefits we're currently providing?
In this week's FUNdamental Friday, Ben Kingsley is joined by Evan Lucas for a thought-provoking discussion about government spending, welfare, pensions and the growing cost of supporting an ageing population.
The conversation explores whether Australia's safety net is targeted in the right places, and whether some government benefits should be better aligned with financial need.
They discuss:
✅ Age pensions and means testing ✅ Concession cards and public transport benefits ✅ The Pharmaceutical Benefits Scheme (PBS) ✅ Superannuation and retirement funding ✅ The rising cost of welfare programs ✅ Housing, retirement and financial independence ✅ Why future governments may face difficult decisions
Whether you agree or disagree, it's a conversation that challenges some widely held assumptions.
🏡 Thinking About Buying A Home?
Check out PRE-Purchase, our free 10-part video series designed to help Australians buy property with greater confidence.
From creating a property brief through to auctions, negotiations and settlement, each episode tackles a key stage of the buying journey.
🎥 https://thepropertycouch.com.au/prepurchase
⌚Timestamps 0:00 Should wealthy retirees receive benefits? 0:24 Why this debate matters 0:52 Government spending and inflation 1:43 Pensions, concessions and welfare 2:24 PRE-Purchase Series 3:07 State concessions explained 4:01 The growing cost of the PBS 5:00 Should pension income be taxed? 5:27 "I worked all my life" 6:12 Why superannuation exists 7:08 Why accessing super early is controversial 7:37 Should the family home be means tested? 8:40 The case for supporting vulnerable Australians 9:03 What is middle-class welfare? 9:29 Australia's $292 billion welfare bill 10:34 Why pensions dominate welfare spending 11:02 The promise politicians made 11:49 Revenue reforms vs spending reforms 12:53 Where should support be targeted? 13:21 Evan's final thoughts
617 | How Is Prime Land Created to Outperform Over Decades?
01 Oct 2026
01:01:28
Why does land in one suburb command a lasting premium while land somewhere else doesn’t...even when both have houses, shops and transport? 📈
In this special solo episode, Ben shares his latest framework shaped by more than 30 years of property experience. He takes us beyond the headlines and short-term market cycles to explain the forces that can make a location more valuable over decades: jobs, accessibility, scarcity, lifestyle, buyer behaviour and the momentum that builds when these factors come together.
It’s a deeper dive than usual, but the practical question is simple: how do you find the best location and property type your budget can afford?
This episode might just be Ben’s “Magnum Opus”; listen now!
FREE STUFF MENTIONED
📥 FREE INFOGRAPHIC: Why Do Some Locations Outperform? Ben brings together the foundations of location value, seven core drivers and five engines of momentum in a visual guide you can revisit when weighing up where and what to buy. 👉 Download the free framework
How To Tell If An Agent Is Legit | FUNdamental Fridays
25 Sep 2026
00:13:28
How do you know whether you're choosing a good buyer's agent?
Following the recent collapse of several buyer's agency businesses, Shane Pope and Ben Thompson tackle an important question:
What should property buyers be looking for when selecting a buyer's agent?
In this week's FUNdamental Friday, they discuss the red flags, warning signs and key qualities that can help buyers make a more informed decision.
They explore: ✅ Why paying large fees upfront may be risky ✅ The importance of proven philosophies and track records ✅ Why "one-size-fits-all" property advice should raise concerns ✅ Questions to ask before engaging a buyer's agent ✅ The dangers of silver-bullet investment strategies ✅ Why longevity and consistency matter ✅ What genuine buyer advocacy should look like
Because when you're trusting someone to help build long-term wealth, due diligence matters.
🏡 Buying a home soon?
Before your next open for inspection, check out PRE-Purchase, our free 10-part video series designed to help Australians buy property with greater clarity and confidence.
From creating a property brief and researching the market, through to negotiating, bidding at auction and understanding settlement, we've broken the buying journey into easy-to-follow episodes.
🎥 Watch the full series here: https://thepropertycouch.com.au/prepurchase
🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES
Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app.
Then:
📸 Screenshot your review 📧 Email it to info@thepropertycouch.com.au
We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes.
🕰️Timestamps 0:00 The hill Shane is willing to die on 1:04 Recent buyer's agency collapses 2:19 What to look for in a buyer's agency 3:03 The biggest red flag 3:24 Why business structure matters 4:15 Longevity and consistency 5:00 Why philosophy matters 5:46 Too many hats 7:02 Beware the silver bullet 8:11 The Victorian unit debate 8:50 Why one-size-fits-all doesn't work 10:07 How performance should be presented 11:05 Be critical of marketing claims 11:29 The biggest warning sign 11:55 Why Shane believes fees should be paid at the end
With borrowing capacity tightening and negative gearing changes reshaping the numbers, investors are being pushed towards cheaper properties, higher yields and new strategies.
But could adapting to the new environment mean compromising the quality of your assets?
In this jam-packed Q&A episode, Ben, Polly and Luke unpack the post-budget property traps investors need to avoid, before answering listener questions about grandfathering, offset accounts, upgrading the family home and preserving financial flexibility.
Listen now!
FREE STUFF MENTIONED
📊 The Upgraded Case Study Series Explore seven refreshed case studies plus a brand-new Live-Vesting strategy, updated for today’s lending, tax and cash-flow environment. As thanks for being part of our community, use COUCH17 to access the series for just $17 (RRP $197). 👉 Explore the Case Studies
🎥 The PRE-Purchase Series A free ten-part, bite-sized series designed to guide you through the three key stages of purchasing property—Preparation, Research and Execution. 👉 Access the free series
🐖 Moorr: Your Home for Property, Finance & Money Management Bring your cash flow, properties, loans and overall financial position together, so you can understand your numbers and make more informed decisions. 👉 Get started with Moorr for free
🔎 We’re Looking for a Sydney Buyer’s Agent Empower Wealth is looking for an experienced Sydney-based Buyer’s Agent to help clients purchase quality homes. 👉 Visit Empower Wealth and head to About Us → Careers.
What Should I Do After Watching PRE-Purchase? | PRE-Purchase Conclusion
22 Sep 2026
00:02:33
Over the past 10 episodes, we've covered the complete home-buying journey.
From defining your brief and researching the market through to inspections, negotiations, auctions, settlement and moving in, PRE-Purchase was created to help buyers navigate one of life's biggest financial decisions with greater confidence.
This final episode is simply a thank you.
Thank you for coming along on the journey, for sending in questions, and for helping shape a series that was built around the real challenges buyers face every day.
We hope the series has given you practical tools, useful frameworks and the confidence to make informed property decisions.
In This Episode
✅ Why we created PRE-Purchase ✅ The biggest lessons from the series ✅ Why preparation matters ✅ Why research creates confidence ✅ The value of asking questions ✅ When professional advice can help ✅ Next steps for buyers ✅ How to submit questions for the Q&A episode
Need Help With Your Property Journey?
If this series has raised questions about your own property situation, the team at Empower Wealth offers a complimentary initial consultation.
Whether you're buying your first home, upgrading or investing, we're happy to help you understand your options.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Why we created PRE-Purchase 00:16 Built from real buyer questions 00:24 The goal of the series 00:41 Send us your questions 00:50 When to speak with a buyer's agent 01:01 The value of an initial consultation 01:15 What the series demonstrates about buying property 01:23 What we hope you've learned 01:32 Closing thoughts
What Actually Happens On Settlement Day? | PRE-Purchase Ep 10
22 Sep 2026
00:09:03
Settlement day is finally here.
After months of preparation, research, inspections, negotiations and paperwork, ownership of the property is about to transfer into your name.
But what actually happens on settlement day?
In Episode 10 of PRE-Purchase, Ben Thompson and Shane Pope explain how settlement works, what PEXA is, when you'll receive the keys, and the practical lessons they've learned from years of helping buyers navigate moving day.
You'll also learn why settlement times aren't guarantees, how property settlements can become linked together, and how to reduce stress when organising your move.
In This Episode
✅ What happens on settlement day ✅ Understanding PEXA ✅ Why settlement times can change ✅ When you'll receive the keys ✅ Why Friday settlements can be risky ✅ Understanding property settlement chains ✅ Moving truck lessons and mistakes ✅ Organising utilities and trades ✅ Why changing the locks matters ✅ Preparing for your first night in the home
Need Help With Your Property Journey?
Whether you're buying your first home, upgrading, investing or preparing for settlement, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:12 What actually happens on settlement day? 00:21 Understanding PEXA 00:41 How funds and ownership are transferred 00:56 Why settlement times aren't guaranteed 01:28 When do you get the keys? 02:09 Why Friday settlements can be risky 02:39 Understanding settlement chains 03:20 Moving truck lessons 04:35 Not everything is within your control 04:49 Organising utilities 05:18 When should trades be booked? 05:34 Why changing the locks matters 06:07 The first things to set up 06:19 Survival tips for your first night 07:03 Settlement day recap 07:49 The most important reminder about key collection
What Happens At A Pre-Settlement Inspection? | PRE-Purchase Ep 9
22 Sep 2026
00:06:21
You've bought the property.
You've gone unconditional.
Settlement is approaching.
Now comes one final check.
In Episode 9 of PRE-Purchase, Ben Thompson and Shane Pope explain the purpose of a pre-settlement inspection, what buyers should be checking, and what to do if something isn't working or has changed since the day you purchased the property.
Many buyers mistakenly think a pre-settlement inspection is another building inspection.
It's not.
The purpose is to confirm the property is being delivered in substantially the same condition as when you agreed to buy it.
In This Episode
✅ What a pre-settlement inspection actually is ✅ Fixtures vs fittings explained ✅ What should still be working before settlement ✅ What happens if something breaks ✅ The role of your solicitor ✅ Settlement adjustments explained ✅ Why documentation matters ✅ How building inspections can help later ✅ Common pre-settlement issues buyers encounter
Need Help Navigating Settlement?
If you're approaching settlement and would like personalised guidance around your property journey, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:04 Introduction 00:24 What happens after you've purchased? 00:50 What is a pre-settlement inspection? 01:09 Fixtures and fittings explained 01:37 What should still be working? 01:54 What if something is broken? 02:12 Contact your solicitor immediately 02:32 Settlement adjustments explained 03:11 Practical uses for your inspection 03:29 What if the vendor disagrees? 03:58 Why evidence matters 04:15 Building inspections and documentation 04:40 What appliances should be checked? 05:11 Episode summary
What Happens When A Property Passes In At Auction? | PRE-Purchase Ep 8
22 Sep 2026
00:15:34
The auction is over.
You're the highest bidder.
But the property didn't sell.
Now what?
In Episode 8 of PRE-Purchase, Ben Thompson and Shane Pope unpack one of the most misunderstood parts of the buying process: negotiating after a property passes in.
You'll learn what happens immediately after the auction, why buyers shouldn't rush to increase their offer, the first question to ask the agent, and how experienced buyers use time, information and good questions to negotiate more effectively.
This episode follows directly from Episode 7 and focuses on the unique opportunity that exists when you're the highest bidder after a passed-in auction.
In This Episode
✅ What happens after a property passes in ✅ Should you go inside or stay outside? ✅ The first question to ask the agent ✅ Understanding the reserve price ✅ Why you shouldn't negotiate against yourself ✅ Using questions to gather information ✅ Why time is your friend ✅ Knowing when to move on price ✅ Understanding market value during negotiations ✅ How buyer's agents approach passed-in negotiations
Need Help With Auction Or Property Negotiations?
Negotiating after a passed-in auction can be one of the most intimidating moments in the buying process.
If you'd like personalised guidance around auction strategy, negotiations or your next property purchase, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:33 What happens after a property passes in? 01:21 The first thing Buyer Agents do 01:54 The first question: What's the reserve? 02:31 Should buyers go inside or stay outside? 03:40 Why staying outside can be helpful 04:03 Don't negotiate against yourself 04:49 The reserve price is revealed 05:30 Why questions create leverage 06:22 Time is your friend 07:35 When should buyers move on price? 08:00 A powerful negotiation question 09:05 Understanding when you're close 10:15 Paying fair market value 11:02 When agents may move to private sale 11:40 Key negotiation takeaways 13:20 The biggest mistake buyers make 14:00 Episode summary
How Does Buying At Auction Actually Work? | PRE-Purchase Ep 7
22 Sep 2026
00:22:13
Auction day can be one of the most exciting and intimidating parts of the home-buying journey.
In Episode 7 of PRE-Purchase, Ben Thompson and Shane Pope walk through exactly what happens on auction day, from arriving at the property and understanding auction terminology through to bidding strategies, reserve prices and signing contracts after a successful purchase.
This episode focuses on what happens when you're buying at auction and successfully purchase the property.
You'll learn how auction proceedings work, the terminology you'll hear, and practical strategies buyers use to approach auctions with greater confidence.
In This Episode
✅ What to expect on auction day ✅ Why arriving early matters ✅ Introducing yourself to the auctioneer ✅ Understanding auction terminology ✅ Vendor bids explained ✅ Reserve price explained ✅ What "on the market" means ✅ What a passed-in property means ✅ Auction bidding strategies ✅ What happens after you win
Need Help Buying At Auction?
Auctions can move quickly and often involve significant pressure.
If you'd like personalised guidance around your property search, auction strategy or negotiations, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:16 Why auction buying inspired this series 00:59 What this episode covers 01:23 How early should you arrive? 01:41 Why you should introduce yourself to the auctioneer 03:18 Where should you stand? 04:33 Understanding auction proceedings 05:33 What is a vendor bid? 06:40 What does "passed in" mean? 08:03 What is a reserve price? 08:38 What does "on the market" mean? 09:03 Trial closes explained 12:06 How auctions typically reach their end point 13:35 Two common bidding strategies 15:52 Exuding confidence at auction 16:31 Why couples shouldn't stand together 17:32 What happens after you win? 18:06 Signing the contract 19:09 Paying the deposit 20:20 Celebrating your purchase
What Happens Once My Offer Is Accepted? | PRE-Purchase Ep 6
22 Sep 2026
00:06:56
Your offer has been accepted.
Time to celebrate... but not quite settle in just yet.
In Episode 6 of PRE-Purchase, Ben Thompson and Shane Pope explain what happens between having an offer accepted and becoming unconditional.
This is the stage where finance approval, building inspections and pest inspections are finalised. While many buyers think the deal is done once their offer is accepted, there are still some important steps to complete before the property officially becomes unconditional.
You'll learn what your broker, solicitor and inspectors are doing behind the scenes, what can go wrong, and when you may have an opportunity to renegotiate.
In This Episode
✅ What happens after an offer is accepted ✅ Building, pest and finance clauses explained ✅ Why banks order valuations ✅ What becoming unconditional means ✅ When you can exit a contract ✅ What happens if a condition isn't satisfied ✅ Renegotiating after a building inspection ✅ The role of your broker and solicitor ✅ What happens next on the road to settlement
Need Help Navigating The Buying Process?
Whether you're making offers, reviewing contracts or navigating the path to settlement, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:15 Celebrate, but not quite yet 00:38 What happens after contracts are exchanged? 00:58 Why this differs from buying at auction 01:11 The three common contract conditions 01:23 What your broker does after acceptance 01:44 Why banks order valuations 02:07 Building and pest inspections explained 02:44 What happens when a property becomes unconditional? 02:53 When can a buyer exit the contract? 03:34 Can you renegotiate? 04:05 Renegotiating after a building inspection 05:00 Real-world renegotiation example 05:24 The final step before settlement 05:47 The role of your solicitor and conveyancer
How Do I Negotiate With An Agent? | PRE-Purchase Ep 5
22 Sep 2026
00:11:33
You've found the property.
You've completed your research.
You've done your inspections and due diligence.
Now it's time to negotiate.
In Episode 5 of PRE-Purchase, Ben Thompson and Shane Pope unpack one of the most challenging stages of the home-buying journey: negotiating a private sale.
You'll learn why understanding the campaign matters, how to work with agents effectively, what "rules of engagement" actually mean, and why the strongest offer isn't always the highest offer.
Whether the property is being sold via private treaty, expression of interest or sale by set date, this episode will help you understand how offers are assessed and how buyers can position themselves more effectively.
In This Episode
✅ Understanding private sale campaigns ✅ Sale by set date vs expression of interest ✅ Why registering your interest matters ✅ Understanding your competition ✅ Questions to ask the selling agent ✅ Rules of engagement explained ✅ Offer conditions and negotiation strategy ✅ Price vs terms ✅ What actually makes an offer strong
Need Help Negotiating A Purchase?
Negotiations can be one of the most stressful parts of buying a home.
If you'd like personalised guidance around your property search, negotiations, auction strategy or next purchase, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:40 Bringing together the preparation and research phases 01:17 Knowing what the property is worth to you 01:46 Understanding different private sale campaigns 02:44 Why you should always register your interest 03:35 Understanding the campaign 03:53 Understanding your competition 04:06 Questions every buyer should ask 04:29 Understanding the rules of engagement 05:12 Why every agent runs campaigns differently 06:00 What makes an offer strong? 06:47 Example: conditional vs unconditional offers 08:21 Price, settlement and terms 09:09 How buyer's agents negotiate campaigns 09:51 The three things every buyer should understand 10:28 Next episode
What Due Diligence Should I Complete Before Buying A Home? | PRE-Purchase Ep 4
22 Sep 2026
00:08:02
You've found a property you like.
You've completed your research.
Now comes one of the most important questions in the entire buying journey:
Are you actually ready to commit?
In Episode 4 of PRE-PURCHASE, Ben Thompson and Shane Pope walk through the final checks buyers should complete before making an offer or raising their hand at auction.
From building and pest inspections to contract reviews, street inspections, neighbour considerations and risk management, this episode focuses on reducing surprises before you commit to one of the biggest financial decisions of your life.
Because once you've signed or successfully purchased at auction, backing out can become difficult, expensive or impossible.
In This Episode
✅ Why building and pest inspections are essential ✅ Licensed inspectors vs unlicensed inspectors ✅ Why you should visit the property multiple times ✅ Seeing the property at different times of day ✅ Understanding traffic, noise and neighbourhood factors ✅ Contract and solicitor reviews ✅ Risk management before purchase ✅ Why due diligence protects buyers
Need Help Evaluating A Property?
If you've found a property and want help assessing risk, reviewing your options or navigating the buying process, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction 00:18 What final checks should buyers complete? 00:30 Building and pest inspections explained 01:33 Why inspections are non-negotiable 02:11 Choosing licensed inspectors 02:54 Why licensing matters 03:13 Visit the property more than once 03:42 Inspect at different times of day 04:28 Contract reviews and legal advice 04:58 Why solicitors can be valuable 05:35 Final due diligence checklist 06:03 Working with your building inspector 06:29 Risk management before committing 06:53 Next episode: Negotiating a private sale
What Should I Look For When Inspecting A Property? | PRE-Purchase Ep 3
22 Sep 2026
00:10:46
A property can look great on inspection day... but what are you actually looking for?
In Episode 3 of PRE-Purchase, Ben Thompson and Shane Pope walk through one of the most important stages of the buying journey: property inspections.
From identifying red flags and hidden risks to understanding presentation techniques and buyer competition, this episode helps buyers inspect properties with greater confidence and a more critical eye.
You'll learn how to assess a property's condition, recognise common warning signs and understand what other buyers may be seeing when they walk through the same home.
Because buying a property isn't just about finding something you like. It's about understanding exactly what you're buying.
In This Episode
✅ Why inspection numbers matter ✅ How to identify strong buyer demand ✅ Red flags to look for during inspections ✅ Cracks, water damage and structural concerns ✅ Common presentation techniques sellers use ✅ Understanding natural light and orientation ✅ How to assess storage, functionality and layout ✅ Why bedroom dimensions matter ✅ How to separate emotional decisions from practical ones
Need Help Assessing Properties?
Whether you're buying your first home, upgrading or investing, the team at Empower Wealth can help you navigate inspections, negotiations and the buying process with confidence.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Introduction to property inspections 00:29 What to look for at inspections 01:03 Why buyer numbers matter 02:14 Understanding buyer demand 03:28 Common presentation techniques 04:02 Music, lighting and inspection presentation 05:01 Property red flags to watch for 06:15 Storage, layout and functionality 07:05 How properties actually feel to live in 07:25 Styling tricks and furniture placement 08:08 Bedroom size benchmarks 09:14 Natural light and orientation 09:28 Fresh paint and hidden issues 09:38 Preparing for final checks
How Do I Search For A Home And Avoid Wasting Time? | PRE-Purchase Ep 2
22 Sep 2026
00:11:41
Most buyers don't lose money because they failed to find a property. They lose money because they didn't spend enough time understanding the market.
In Episode 2 of PRE-PURCHASE, Ben Thompson and Shane Pope explain how to research property properly, set effective search parameters and build the market knowledge needed to buy with confidence.
This episode builds on Episode 1 and explores what happens after you've designed your property brief. You'll learn why inspecting properties is one of the most important parts of the buying process, how to use online portals effectively and why the best buyers spend significant time building local market knowledge before making an offer.
Ben and Shane also discuss why attending inspections, tracking sale prices and understanding buyer competition can dramatically improve your decision-making.
In This Episode
✅ How many properties you should inspect ✅ Why research is critical before making an offer ✅ The importance of market knowledge ✅ Understanding the Buyer's Quadrant in practice ✅ Using search parameters effectively ✅ Why most buyers underestimate the learning curve ✅ The common mistake buyers make on property portals ✅ Why you should attend auctions before bidding
Need Help With Your Property Search?
Buying property is one of the biggest financial decisions you'll make.
If you'd like personalised guidance around your property search, negotiations, auction strategy or next purchase, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps
00:00 Why research matters 00:37 The most important stage of buying 01:22 How many properties should you inspect? 02:04 Expanding your search criteria 03:12 Why buyer appeal matters 04:24 Building market knowledge 05:01 Estimating property values 05:47 Why buyer's agents exist 06:17 Property portal search tips 07:07 Why buyers miss opportunities online 08:02 Spotting underquoted properties 08:47 Why Episodes 1 & 2 work together 09:10 Why you should attend auctions early 10:03 Learn the auctioneer before auction day 10:29 Preparation and research create confidence
Designing Your Property Brief: The Most Important Step Before You Buy | PRE-Purchase Ep 1
22 Sep 2026
00:10:04
Most buyers start searching for properties before they know exactly what they're looking for.
That's where problems begin.
In Episode 1 of PRE-PURCHASE, Ben Thompson and Shane Pope explain why creating a clear property brief is the foundation of a successful property search.
Before you start attending inspections, speaking to agents or scrolling property websites, you need clarity around what you're actually trying to buy.
In this episode, Ben and Shane introduce the Buyer's Quadrant, discuss the importance of separating needs from wants, and explain how a well-designed brief can save time, reduce stress and help you make better buying decisions.
In This Episode
✅ Why most buyers underestimate the importance of their brief ✅ The Buyer's Quadrant explained ✅ Price, location, land and dwelling quality ✅ Needs vs wants ✅ Why couples should complete separate briefs first ✅ Avoiding costly compromises ✅ Creating your ideal starting point before researching the market
Need Help With Your Property Journey?
If you'd like personalised guidance around buying your first home, upgrading or investing, the team at Empower Wealth offers a complimentary initial consultation.
If this episode raised a question about your own property journey, send it through and we'll answer as many as possible in our upcoming PRE-Purchase Q&A episode.
📩 Submit your question: https://thepropertycouch.com.au/contact
Timestamps 0:00 Welcome to Episode 1 0:47 Why buyers work with professionals 1:17 Your brief will evolve 2:14 Introducing the Buyer's Quadrant 3:24 Starting with dwelling requirements 3:55 Needs vs wants explained 5:00 Why buyers often ask for too much 6:18 Reality-testing your brief 7:14 Building a practical property brief 8:17 Examples of needs and wants 8:49 The Buyer's Quadrant recap 9:08 Next episode: Property research
The First Home Buyer Guide: Start Here | PRE-Purchase
22 Sep 2026
00:03:50
Thinking about buying a home but not sure where to start?
Welcome to PRE-PURCHASE, a practical step-by-step series designed to help buyers navigate one of life's biggest financial decisions with greater confidence.
In this introductory episode, Ben Thompson and Shane Pope explain why they created the series, share their backgrounds in property, and walk through the framework that will guide the next 10 episodes.
Whether you're preparing to buy your first home, upgrading, downsizing or simply looking to better understand the buying process, this series is designed to help you make more informed decisions and avoid common mistakes.
Across the PRE-PURCHASE series, we'll cover:
✅ Defining your brief ✅ Researching suburbs and properties ✅ Property inspections and due diligence ✅ Negotiating private sales ✅ Buying at auction ✅ Getting unconditional ✅ Pre-settlement inspections ✅ Settlement day and moving in
Got Questions?
This series was built from real buyer questions.
If there's something you'd like us to cover in the Q&A episode, send it through here: https://thepropertycouch.com.au/contact/
Need Help With Your Own Property Journey?
If you'd like personalised guidance on buying your first home, upgrading, investing or navigating the property market, the team at Empower Wealth offers a complimentary initial consultation.
📅 Request your free consultation here: https://empowerwealth.com.au/request-free-consultation/
Whether you're still in the planning stage or actively looking for property, a conversation with an experienced professional can help you gain clarity and confidence around your next steps.
Timestamps 0:00 Welcome to PRE-PURCHASE 0:17 Why we created this series 0:45 Meet Ben Thompson 1:38 Meet Shane Pope 2:10 What we'll cover throughout the series 2:47 Submit your questions for the Q&A
Is Your Property Worth Less Than You Paid? | FUNdamental Fridays
18 Sep 2026
00:12:54
What happens if your property is suddenly worth less than you paid for it?
It's a question many homeowners and investors are asking as property values soften in some parts of Australia.
In this week's FUNdamental Friday, Ben Thompson and mortgage broker Luke Oxenham unpack the reality behind declining property values, negative equity and what it actually means for homeowners.
They discuss:
✅ What negative equity really is ✅ Why it doesn't automatically mean financial stress ✅ The difference between a valuation and your long-term plan ✅ Equity release strategies during changing markets ✅ Refinancing considerations in softer markets ✅ Why first home buyers shouldn't panic ✅ How loan structure can create flexibility
Because sometimes a scary headline isn't the full story.
🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES
Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app.
Then:
📸 Take a screenshot of your review 📧 Email it to info@thepropertycouch.com.au
We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes.
Timestamps 0:00 What if your property value falls? 0:31 What negative equity actually means 1:21 A real-world example 2:23 Why it's often just a snapshot in time 3:28 Upgrading in a changing market 4:22 Should you release equity sooner? 5:01 Refinancing risks explained 6:09 Future-proofing your position 6:56 How interest-only loans and offsets work 8:06 Can negative equity be part of a strategy? 9:26 Why it isn't always catastrophic 10:17 Advice for first home buyers 11:10 Advice for homeowners with equity
615 | The $86K Gap Putting Australian Women at Financial Risk
17 Sep 2026
00:58:53
What would happen to your finances if the person who usually manages the money was no longer there?
In Episode 615, Ben Kingsley, Kirsty Dunphey and Polly Chu explore women’s financial independence and the risks that can quietly build through career breaks, unpaid caring responsibilities and leaving the bigger financial decisions to a partner.
They also share practical ways to protect your future, from understanding your cash flow and investments to super contribution splitting, household money meetings, insurance and estate planning. 🛡️
Financial independence isn’t about expecting the worst. It’s about knowing where you stand, having a voice and being prepared if life doesn’t go to plan.
Listen now!
A quick production note: We had to switch recording platforms partway through the episode, so you may notice a slight change in audio and video quality. Thanks for bearing with us!
FREE STUFF MENTIONED
Sell, Buy or Optimise? Free Property Webinar 7:30pm AEST, Tues 22 September The market is shifting but does your current property strategy still stack up? Join Ben in our upcoming webinar as he explores the frameworks that can help you assess whether your next move could be to sell, buy, hold or optimise. 👉 Register for the free webinar
The PRE-Purchase Series Coming soon: a new ten-part, bite-sized series designed to help you navigate the three key stages of purchasing property: Preparation, Research and Execution. 👉 If you’re a TPC subscriber, keep your eyes peeled in your inbox next week!
The Property Couch Summer Series Did a turning point change the direction of your property journey? Or can you share what playing the long game really looks like after 10, 15 or 20 years? We want to hear your story. 👉 Share your property journey
Moorr: Your New Home for Property, Finance & Money Management Bring your cash flow, property, goals and overall financial position together in one place, so you can understand your numbers and make more informed financial decisions. 👉 Get started with Moorr for free
In this week’s Throwback Tuesday, Ben and Bryce revisit their conversation with Phil Slade on the “ape brain”, reacting versus responding, and why the rules that once kept us safe can sometimes work against us when it comes to money.
Why Property Investors Need to Prepare for 1 July 2027 NOW | FUNdamental Fridays
11 Sep 2026
00:09:03
Could millions of Australian property investors be leaving things too late?
In this week's FUNdamental Friday, Ben Kingsley sits down with Greg Sugars from Preston Rowe Paterson to discuss the practical challenges surrounding the government's upcoming capital gains tax valuation requirements.
With approximately 3.5 million investment properties across Australia and only around 6,000 valuers available, Greg explains why investors should start planning now rather than waiting until the last minute.
They discuss:
✅ Why 1 July 2027 matters ✅ The growing demand for certified property valuations ✅ Why relying on automated valuation models could be risky ✅ The difference between valuations and indexing methods ✅ Why accountants are already planning ahead ✅ The potential bottlenecks property investors should be aware of
If these changes affect you, this episode highlights why preparation could be far easier than panic.
🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES
Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app.
Then:
📸 Screenshot your review 📧 Email it to info@thepropertycouch.com.au
We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes.
⏱️ Timestamps 0:00 The upcoming CGT valuation challenge 0:43 How the new rules affect investors 1:13 3.5 million properties vs 6,000 valuers 2:08 Why valuers are already preparing 3:03 Why investors should plan early 3:53 The risk of relying on automated valuatons 4:20 Can valuations be completed later? 5:21 What we still don't know 6:09 Why proper valuations matter 7:16 How accountants are planning ahead 7:57 Is the valuation tax deductible? 8:08 Greg's final advice
614 | Property D-Day: The Decisions Investors Can’t Avoid – Q&A Day
10 Sep 2026
00:55:47
With cooling market conditions, tax changes and another rate rise expected this year, uncomfortable decisions are starting to surface for many investors.
In this jam-packed Q&A Day, Ben is joined by Couch Crew, Ben Thompson (QPIA) and Shane Pope (Buyers Agent), to tackle four real scenarios facing property investors right now.
Should you sell a good property when cash flow gets tight?
Have recent tax changes fundamentally changed the investment equation?
What happens when the regional portfolio you built to eventually buy your dream home starts falling behind?
And can you realistically wipe out your home loan in five years?
Plus, Ben opens the episode with an important warning about the hype, false scarcity and short-term promises appearing in parts of the buyer’s agent industry , and why changing market conditions could expose investors who bought speculation rather than quality.
From cash buffers and debt reduction to fear of messing up, portfolio exits and knowing when to seek professional advice, this episode is about making the invisible visible before making your next big financial move. Listen now!
FREE STUFF MENTIONED
Sell, Hold or Optimise Webinar 7:30pm AEST, Tues 22 September Register for our upcoming webinar on how to make the right property decision in the current market, including whether to sell, buy or sit tight. 👉 Save your spot
Updated Case Study Series See how the original strategies from How to Retire on $3,000 a Week stack up under today’s tax settings, plus a brand-new bonus Live-Vesting case study. Usually $197, Couch Crew can access the full series for just $17 using code COUCH17. 👉 Save $180 on your updated Case Studies
🏠 Rental Property Owner’s Playbook Download your free practical guide to running your investment property “on autopilot” and managing the ongoing admin in less than 10 hours a year. 👉 Start saving time and energy
Guests & Episodes Mentioned:
564 | From FOMO to COMO: What Compromise Gets You Into the Property Market?
610 | Livevesting: Could Buying a Better Home Be Smarter Than Another Investment Property? – Chat with Stuart Wemyss
It sounds like a simple question, but most of us have never actually defined the answer.
In this week’s Throwback Tuesday, Ben and Bryce revisit a powerful idea from The Psychology of Money and explore why the comparison game is one you can never win... and how to start working out your own “enough” number.
Because if you don’t know what enough looks like, how will you ever know when you’ve arrived?
What REALLY Happens During a Bank Valuation? | FUNdamental Fridays
04 Sep 2026
00:08:51
Do you need to clean your home before a bank valuation?
In this week's FUNdamental Friday, Ben Kingsley is joined by Neal Ellis from Preston Rowe Paterson to lift the curtain on how bank valuations actually work.
Many property owners assume valuers are looking for spotless homes, premium finishes and perfect presentation.
The reality is very different.
Neal explains what banks really want from a valuation, why speed of access matters more than a clean house, how comparable sales drive valuation outcomes, and what risk factors lenders pay attention to when assessing a property.
You'll learn:
✅ The difference between a bank valuation and an agent appraisal ✅ Why valuers focus on a 30-60 day sale outcome ✅ How comparable sales influence value ✅ What you can do to help the valuation process ✅ The risk factors that banks assess ✅ Why presentation isn't nearly as important as people think ✅ Which upgrades may (or may not) add value
Because sometimes the best thing you can do for your valuation is simply open the front door.
⏱️Timestamps
0:00 The best thing you can do before a valuation 0:37 Why bank valuations differ from agent appraisals 1:14 The 30-60 day valuation rule 2:08 Can homeowners help the valuer? 2:47 The biggest valuation misconception 3:37 What actually happens during an inspection? 4:32 Why valuers take photos 5:07 Valuing tenanted properties 6:20 What valuers assess 6:56 Understanding property risk ratings 7:55 Which upgrades add value? 8:34 Final takeaways
🎁 FREE UPDATED $3,000 A WEEK CASE STUDIES
Leave a review for The Property Couch on your favourite podcast platform OR leave a review for the Moorr app.
Then:
📸 Take a screenshot of your review 📧 Email it to info@thepropertycouch.com.au
We'll send you FREE access to our updated video case studies, refreshed for today's property market, negative gearing and capital gains tax changes.
613 | How to Run Your Rental Property on Autopilot
03 Sep 2026
01:05:05
Most investors think they’re buying a property. What they don’t realise is they’re also taking on a small rental business.
That business generates income, incurs expenses, carries risk and creates ongoing tax, compliance and record-keeping responsibilities. While a great property manager can handle much of the day-to-day work, there are some jobs only the owner can oversee.
In this practical episode, Ben is joined by Senior Tax Adviser Danish Ahmed and Moorr Product Manager (and fellow property investor) Connor Christie to unpack what it really takes to run an investment property well.
They unpack:
🔑 What to organise before and immediately after settlement
📂 Which documents you may need to keep for decades
💵 How to stay across rent, expenses and cash flow
🔨 Why repairs and improvements need to be recorded differently
🧾 The information accountants regularly find missing at tax time
⚠️ Which responsibilities still belong to you (and not your property manager)
Plus, we’re giving you a brand-new free resource to help bring it all together: The Rental Property Owner’s Playbook. If you own an investment property, or plan to, this is your holy grail operating manual.
Listen now!
FREE STUFF MENTIONED
The Rental Property Owner’s Playbook 🏠 Download our free practical guide to the records, routines and reviews you need to run your investment property like a business, without letting the admin take over your life. Set up the right systems now and you could manage the ongoing work in less than 10 hours a year. 👉 Download the playbook now >>
Updated Case Study Series! 📊 Discover 7 refreshed case studies and a brand-new Live-Vesting strategy, remodelled by QPIAs Ben Thompson and Polly Chu to reveal what still stacks up, and what needs to change. Free access has now closed, but as part of the TPC community, you can access the entire series for just $17, usually $197. Use the discount code COUCH17 at checkout to save $180. 👉 Explore the Case Study Series now >>
Moorr: Your All-In-One Financial Home 💻 Bring your property finances, documents, transactions and key dates together in one place with Moorr. 👉 Create your free account or log in now >>
Don’t Leave Money on the Table This Tax Time 🧾 Missing records can mean missed deductions, and more tax-time stress than necessary. Our property tax specialists can help you accurately report your rental income, expenses, and eligible deductions, so you can feel confident that your investment property tax return is prepared correctly. 👉 Book your complimentary initial appointment with the team today.
In this Throwback Tuesday snippet, Ben and Bryce explain why the RBA does it anyway... and how cooling demand can help stop inflation from becoming an even bigger problem.
The Best Property Deals Aren't Off-Market Right Now | FUNdamental Fridays
28 Aug 2026
00:14:37
Do off-market properties really offer the best value?
In this Friday Fundamentals episode, Shane Pope and Ben Thompson challenge one of the most common assumptions in property buying.
Many buyers believe the best opportunities are hidden away off-market. But in today's market, the guys argue some of the strongest buying opportunities are actually being found on-market, particularly after failed auction campaigns.
Together they unpack:
✅ The difference between on-market and off-market properties ✅ Why vendor motivation matters more than exclusivity ✅ How today's market conditions have changed the equation ✅ Why some off-market buyers may be overpaying ✅ The role of competition and price transparency ✅ How to assess true value before making an offer
They also share a real-world example where a property purchased for $1.175M later received a bank valuation of more than $1.3M.
Because sometimes the best property opportunities aren't hidden from the market.
They're hiding in plain sight.
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
🎁 FREE UPDATED CASE STUDIES
Leave a review for The Property Couch podcast (any podcast platform) OR leave a review for the Moorr app.
Then simply send a screenshot to:
📧 info@thepropertycouch.com.au
We'll send you FREE access to our updated $3,000 A Week Case Study Series, featuring real-life scenarios updated for the latest negative gearing and capital gains tax changes.
More info at https://thepropertycouch.com.au/playbook-case-studies/
⌚ Timestamps 0:00 Welcome to Friday Fundamentals 00:26 Introduction 01:13 On-market vs off-market explained 01:54 Why they're avoiding many off-market deals 02:54 Where today's best buying opportunities are appearing 03:50 Why buyers are obsessed with off-markets 05:13 Understanding vendor motivation 06:21 Why transparency matters 07:00 A real-life $200,000 buying opportunity 08:39 How motivation creates value 09:15 The 3 Ds of property transactions 10:25 Where opportunistic vendors have gone 10:48 The key question to ask an agent 11:20 Why they prefer market testing
612 | Residential vs Commercial: What Stacks Up? - Chat with Neal Ellis & Greg Sugars
27 Aug 2026
01:07:34
Brisbane may already be turning. Interstate investors may be splitting cities into two-tier markets. And 200+ valuers across Australia and New Zealand are the first to know it.
Ben is joined by Preston Rowe Paterson's Neal Ellis and Greg Sugars, who draw on that ground-level valuer network to unpack what's really happening in residential property, including the warning signs that headlines are missing.
The conversation shifts to commercial, where tax changes are pulling more investors beyond residential. Does commercial genuinely offer a better opportunity, or are its higher yields hiding bigger risks?
Vacant offices, oversupplied industrial units, tenant quality, finance costs, year-long vacancy periods: this episode maps out what investors need to understand before making the leap.
PLUS, you'll hear: 🏗️ Why housing approvals aren't translating into completed homes 🏢 The fundamentals of office, retail and industrial property 💰 Why a higher commercial yield doesn't automatically mean a better investment 📈 Where opportunities may emerge for informed, long-term investors
Listen now!
FREE STUFF MENTIONED
📚 Get FREE access to our updated Case Study Series We’ve updated all seven case studies from How to Retire on $3,000 a Week to reflect the latest tax changes. To unlock the complete video series:
Free Book 📚 How to Retire on $3,000 a Week: Discover the bestselling book where our case studies originated from and learn the timeless principles behind building long-term wealth.
Preston Rowe Paterson 🏢 Learn more about Neal, Greg and Preston Rowe Paterson’s property valuation and consultancy services across Australia. Find out more >>
Why Should I Invest When I’m Already Doing Well? | Throwback Tuesdays
25 Aug 2026
00:04:50
You’re doing all the right things: steady income, paying down the mortgage, building up the offset. So… why take on more risk?
In this Throwback Tuesday snippet, Ben and Bryce unpack why doing well today doesn’t automatically mean you’re set for the future, and why the right investment strategy starts with knowing what you actually want your money to do.
Why Every Bank Gives You a Different Answer | FUNdamental Fridays
21 Aug 2026
00:15:10
How much can you really borrow?
In this Friday Fundamentals episode, Ben Kingsley sits down with mortgage broker Luke Oxenham to unpack one of the most common questions property buyers ask:
"How much can I borrow?"
The answer isn't always straightforward.
Luke explains how lenders assess income, expenses, HELP debt, credit cards, business income, car loans and more, plus why different banks can produce dramatically different borrowing outcomes for the exact same borrower.
They also discuss why borrowing capacity shouldn't be confused with borrowing comfort, and why the largest loan available may not always be the right one for your goals.
You'll learn:
✅ How lenders assess your income ✅ What HEM (Household Expenditure Measure) means ✅ Why credit cards can impact borrowing power ✅ How HELP debt is assessed differently today ✅ Why self-employed borrowers receive different outcomes ✅ The difference between lender tiers ✅ Why borrowing capacity is only a starting point
Because the real question isn't always how much can I borrow?
Sometimes it's how much should I borrow?
How to Retire On $3k A Week Case Studies: https://thepropertycouch.com.au/playbook-case-studies/ Moorr: https://www.moorr.com.au/
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
⏱️ Timestamps
00:17 Welcome to Friday Fundamentals 00:22 The borrowing power question everyone asks 01:13 How lenders assess income 01:30 What is HEM? 02:06 The 3% serviceability buffer explained 02:27 Why lenders calculate income differently 03:15 First-tier, second-tier and third-tier lenders 04:08 How self-employed income is assessed 05:35 Credit cards and borrowing capacity 06:41 How HELP debt affects borrowing power 08:10 New lender approaches to HELP debt 09:02 Car loans vs novated leases 10:09 Online borrowing calculators explained 10:46 Using Moorr to estimate borrowing power 11:19 When to speak to a mortgage broker 12:44 Just because you can borrow more... 13:08 Updated $3,000 Per Week case studies
Australia’s property market has turned, but how far could prices fall? 📉
In one of our most anticipated episodes of the year, Bryce Holdaway is BACK on the couch with Ben for our 2026 Mid-Year Property Market Outlook!
Together, they unpack what’s changed since February, where the data is pointing now and what could happen next.
🏠 Which markets are holding up — and which are starting to crack? 📉 Could some markets fall 10–15% — or even further? ⚠️ Which regional areas face the greatest risk? 👀 What could turn sentiment and the market around? 💰 Could this correction actually create a rare buying opportunity?
From falling buyer sentiment and slowing lending to rising listings, changing government policy and higher-for-longer interest rates, Ben and Bryce go around the grounds to reveal what’s really happening across Australia.
Find out now!
FREE STUFF MENTIONED
🎥 Updated Case Studies: Now LIVE! The updated How to Retire on $3,000 a Week case studies are officially live! If you joined the waitlist, you now have access for the next 2 weeks. 🎉
Want free early access too? (PLUS a supplementary Case Study PDF) Leave a review (The good, bad and everything in between! We want to hear what you really think 😊) on either The Property Couch or Moorr, take a screenshot and email it to info@thepropertycouch.com.au 😊
🧰 Tuesday Toolkit: Cycle Amplifiers Before diving into the outlook, understand the 7 Cycle Amplifiers influencing property prices in the short term. 👉 Listen to the Bonus Episode
🧾 Moorr Property Tax Make tax time easier. Upload your rental statements and let Opti analyse and categorise your property expenses into the relevant ATO categories, ready for your tax report. 👉 Try It Free on Moorr
🎓 Buyers Agent Mastery Bryce Holdaway and Veronica Morgan have launched the Buyers Agent Mastery program, helping buyers agents build better, more sustainable businesses while keeping client outcomes at the centre. 👉 Learn more! 👉 Or, listen to their podcast: Buyers Agent Mastery
Cycle Amplifiers: The 7 Forces Moving Property Prices Right Now | Tuesday Toolkit
18 Aug 2026
00:24:23
Introducing Tuesday Toolkit 🧰: a new series designed to help you make sense of what’s happening in property right now.
From the latest data and market trends to the frameworks and key indicators we use to understand what’s really driving the market, each episode will give you practical knowledge to cut through the noise, see the bigger picture and make more informed property decisions.
Think of it as your toolkit for understanding where the market is, why it’s moving and what to watch next.
And we’re kicking things off with Cycle Amplifiers.
Property prices are moving — but do you know what’s actually driving them?
Ahead of Thursday’s much-anticipated Mid-Year Property Outlook, Ben breaks down the seven Cycle Amplifiers shaping Australia’s property market right now — from interest rates and credit to government policy, employment, sentiment, supply and global shocks.
Some are pushing prices down. Others could change the direction of the market again. But crucially, the forces moving prices today aren’t necessarily the ones that determine long-term performance.
Before we unpack where Australia’s property markets could be heading next, this is the framework you need to understand what we’re seeing today.
Got a Question or Take on the Cycle Amplifiers? How are these forces playing out in your market, and what are you seeing on the ground. Send us your questions, comments or observations and we might unpack them on an upcoming episode of The Property Couch.
Why the Next 24 Months Could Be a Great Time to Buy Property | FUNdamental Fridays
14 Aug 2026
00:12:15
Could the next two years be one of the best times to buy property?
In this Friday Fundamentals episode, Ben Kingsley is joined by Stuart Wemyss to unpack what's really driving property prices and why the current market could present opportunities for buyers willing to think differently.
While many Australians are waiting for greater certainty, Stuart explains why lending volumes, not headlines, are often the biggest driver of property price growth.
Together, they discuss why lower confidence can actually create better buying conditions, how credit availability influences markets, and why supply could be the biggest challenge facing buyers over the coming years.
They also explore:
✅ Why lending volumes are a leading indicator of property prices ✅ The impact of interest rates, credit policy and buyer confidence ✅ Why investors may be stepping back from the market ✅ How supply constraints could support prices ✅ Whether buyers should wait for the "perfect" time ✅ Lessons from purchasing during the GFC
Because when everyone is waiting for certainty, opportunities can often emerge for those prepared to act.
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
⏱️ Timestamps
00:00 Could now be the perfect buying window? 00:45 What drives property prices? 01:31 Why lending volumes matter most 02:08 The three biggest drivers of credit growth 02:52 Why the next 24 months could favour buyers 03:14 Stuart's GFC buying story 03:37 The best time to buy property 04:46 Investor lending and market activity 05:06 Why supply could be the biggest challenge 06:10 Why prices may remain in equilibrium 07:20 Could APRA change lending settings? 08:08 What falling loan volumes could mean 09:15 Who benefits most from uncertain markets? 10:18 The danger of waiting for perfect conditions 11:05 Looking back from 2036 11:30 Supply, demand and market timing 11:42 Why it doesn't take much to move a market
610 | Livevesting: Could Buying a Better Home Be Smarter Than Another Investment Property? - Chat with Stuart Wemyss
13 Aug 2026
01:02:35
What if the “safe” property decision you make today is the one you regret in 20 years? 🤔
With the rules around property investing changing, these are the decisions investors are being forced to rethink.
Joining Ben Kingsley and Luke Oxenham is Stuart Wemyss, founder of ProSolution Private Clients, host of the Investopoly podcast and author of Wealth by Design.
Together, they challenge some long-held assumptions about building wealth: Is diversification always a good thing? Has the family home become the ultimate tax haven? Can property still stack up without negative gearing? And was your first property ever really meant to be held forever?
Plus, Stuart reveals what investors should be focusing on if negative gearing never returns, and why the best financial decision might not be the one that feels safest today.
Because when you’re building wealth, Stuart argues there’s one perspective that changes everything:
⏳ Think decades, not days.
Free Stuff Mentioned
Updated Property Case Studies 📊 See how the latest tax changes impact all seven case studies from How to Retire on $3,000 a Week, plus a brand-new bonus case study. 👉 Join the Waitlist for early access - for FREE!
PIPA Annual Investor Sentiment Survey 🏡 Have your say on investor confidence, market trends and the impact of policy changes, helping PIPA advocate for balanced, evidence-based property policy. 👉 Take the Survey
Wealth by Design by Stuart Wemyss 📖 Discover Stuart’s eight rules for smarter investing and building financial freedom. 👉 Check Out the Book
🎧 Investopoly Podcast Hear more of Stuart Wemyss’ insights on property, investing and long-term wealth creation. 👉 Listen to Investopoly
In this August Economic & RBA Update, Ben Kingsley and economist Evan Lucas unpack the decision, why inflation is still proving stubborn, and why another rate rise hasn’t been ruled out.
When Is It Time to Stop Buying Investment Properties? | FUNdamental Fridays
07 Aug 2026
00:13:10
How do you know when you've bought enough property?
In this Friday Fundamentals episode, Polly Chu is joined by mortgage broker Luke Oxenham to tackle a question from listener Andrew:
"How do you know you're ready to land the plane?"
For many investors, the accumulation phase becomes second nature. The focus is always on the next property, the next equity release, and the next opportunity.
But what happens when you've built the portfolio you need?
Luke and Polly explore why there is no universal number of properties, why borrowing capacity shouldn't determine your investment goals, and how investors can start thinking about debt reduction, passive income and lifestyle by design.
They also unpack:
✅ Why "enough" looks different for every investor ✅ The role of passive income in defining your finish line ✅ Why lenders don't decide when your journey ends ✅ The transition from accumulation to consolidation ✅ Debt reduction strategies as retirement approaches ✅ Balancing wealth creation with actually enjoying life
Because at the end of the day, money is a tool, and investing should help fund the life you want to live.
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
⏱️ Timestamps
00:18 Andrew's question: "When do you land the plane?" 01:29 Why there's no universal finish line 02:20 Why borrowing capacity shouldn't define success 03:19 Working backwards from passive income goals 05:05 Defining your ideal retirement lifestyle 05:44 Accumulation vs debt reduction 06:39 Why paying down debt matters 07:41 Interest-only vs principal-and-interest strategies 09:17 When should investors start enjoying life? 10:15 Money is a tool, not the destination 11:34 Just because the bank says yes... 12:14 Why enough is personal 12:31 Final thoughts
609 | Regional vs City Property: Where Should You Buy Next? – Q&A Day
06 Aug 2026
01:02:29
Regional markets have boomed. Melbourne's established units are back in the spotlight. And after the government's latest tax changes, many investors are asking the same question: Has the property playbook changed?
In this week's Q&A, Ben Kingsley is joined by Polly Chu and Ben Thompson to answer five listener questions from every stage of the property journey.
In this episode, we answer:
✔️ Is How to Retire on $3,000 a Week still relevant after the government's tax changes? ✔️ Have regional property markets become too risky? ✔️ Melbourne character unit or affordable house—which offers the better long-term opportunity? ✔️ What's the smartest way to manage your money after buying your first home? ✔️ And if you don't have children, should that change how you build—and eventually spend—your wealth?
Tune in now!
Free Stuff Mentioned
📊 UPDATED: Polly & Ben.T’s Case Study Series See how the government's latest tax changes impact every case study (Plus an all-new bonus case study) from our best-selling book, “How to Retire on $3,000 a Week.” 👉 Join the Waitlist
The Future of Work in Australia | Throwback Tuesdays
04 Aug 2026
00:04:05
Every week there’s another headline about artificial intelligence, how quickly work is changing, and which jobs might disappear next.
But in this Throwback Tuesday snippet, social researcher Mark McCrindle joins Bryce and Ben to unpack a slightly different question: what kind of work can’t AI take away?
Would You Pay More For An Energy Efficient Home? | FUNdamental Friday
31 Jul 2026
00:09:35
Welcome back to Friday Fundamentals on The Property Couch.
In this episode, Shane Pope is joined by Jacob Caine, President of the Real Estate Institute of Australia and Victoria, to unpack a property shift that many homeowners and investors may not be thinking about yet:
Home energy ratings.
Jacob explains why energy efficiency could become a much bigger factor in how properties are valued, rented and sold — particularly as governments look more closely at the energy performance of existing homes.
The conversation covers mandatory disclosure, retrofitting, the former NatHERS system now moving under the Home Energy Rating brand, and why upgrades like solar, insulation, batteries, heat pumps, efficient appliances and decommissioning gas could become part of a property’s future value story.
They also explore why this may create a major opportunity for owners of existing homes, especially if buyers and renters increasingly factor energy performance into their decisions.
If you own property, rent property, or are thinking about upgrading, this is one to keep on your radar.
00:24 – Welcome back to Friday Fundamentals 00:36 – Meet Jake Caine 00:52 – Why energy efficiency matters for property 01:17 – The built environment and net zero targets 01:23 – How energy ratings may impact property values 01:32 – New builds vs existing homes 01:53 – Why retrofitting is the big opportunity 02:15 – Mandatory home energy rating disclosure 03:02 – Energy ratings at point of sale or lease 03:31 – How this could roll out across states 04:01 – Victorian rental energy standards 04:22 – Energy efficiency and the value premium 04:41 – The potential difference in property value 04:59 – Solar, batteries, insulation and heat pumps 05:18 – Why owners should start thinking about upgrades 06:06 – How Home Energy Ratings could guide improvements 06:47 – Will upgrades translate into added value? 07:38 – Comparing energy upgrades to pre-sale improvements 08:39 – Could small upgrades create a larger value premium? 08:56 – Final thoughts and webinar reminder
608 | REIA President: Are Governments Making the Housing Crisis Worse? - Chat with Jacob Cain
30 Jul 2026
01:10:04
Recorded just days after Victoria welcomed a new Premier, this conversation couldn't have come at a more pivotal time.
Ben and Shane sit down with Jacob (Jake) Caine, President of the Real Estate Institute of Victoria (REIV) and the Real Estate Institute of Australia (REIA), to unpack one question that's shaping the future of Australia's property market:
Are governments solving the right problem... or creating new ones?
From Victoria's rental reforms and proposed auction reserve price changes to the Federal Government's new tax policies and anti-money laundering (AML) laws, Jake explains why the industry believes many well-intentioned reforms are producing unintended consequences.
Drawing on REIA's Senate evidence, independent modelling and frontline industry experience, the conversation explores what these changes could mean for housing supply, affordability, investor confidence and everyday Australians looking to buy, sell or rent property.
If you've been wondering whether the latest reforms are helping or hurting, this episode will be your answer. Listen now!
Is “Pay Yourself First” Still the Best Rule? | Throwback Tuesdays
28 Jul 2026
00:03:09
“Pay yourself first” is one of the most popular rules in personal finance. And to be fair, it’s popular for a reason: it’s simple, memorable, and it works.
In this Throwback Tuesday snippet, Bryce and Ben unpack why the classic “pay yourself first” rule might still leave room for lifestyle creep… and how trapping more of your surplus can help you put your money to better use.
Are You Waiting for the Perfect Time to Buy Property? | FUNdamental Friday
24 Jul 2026
00:11:22
In this Friday Fundamentals episode, Luke Oxenham and Polly Chu unpack a common property investing myth:
Waiting for the perfect time before you start.
From interest rates and market cycles to cost of living, family plans and global uncertainty, there always seems to be a reason to hold off.
But as Luke and Polly explain, waiting for perfect certainty can sometimes leave people sitting on the sidelines for years.
This episode explores how to plan for uncertainty before buying property, including stress testing your repayments, modelling higher interest rates, allowing for rental changes, planning for holding costs, and keeping cash buffers in place.
They also discuss why trying to time the bottom of the market can be difficult, and how big life goals should be considered before building an investment strategy.
00:23 – Welcome back to Friday Fundamentals 00:41 – The myth: waiting for the perfect time 00:55 – Why people feel they need to wait 01:13 – There’s always another reason to hold off 01:43 – Why uncertainty feels uncomfortable 02:19 – How planning helps manage uncertainty 02:22 – Running the numbers before buying 02:36 – Modelling higher interest rates 03:21 – Planning for worst-case scenarios 03:31 – Rental income, holding costs and maintenance 04:07 – Stress testing your loan repayments 04:39 – Why cash buffers matter 05:06 – The danger of using every dollar to buy 06:20 – Should you wait for a particular time? 06:38 – Why waiting for the market to turn can take years 07:08 – The problem with timing the bottom 08:08 – Waiting for life to settle down 09:24 – Big life decisions vs borrowing capacity 10:04 – The big rocks in the jar analogy 10:26 – Final takeaway: there is no perfect time
607 | The Best Lending Structure Today (In the New Negative Gearing Era)
23 Jul 2026
01:03:58
Two months on from the Budget's negative gearing and CGT changes, the data is telling a clear story. In our latest episode, Ben sits down with couch crew Luke Oxenham, investment-savvy mortgage broker, and Polly Chu, Qualified Property Investment Advisor, both fielding real client conversations daily.
Together, they're unpacking what's actually happening on the ground: auction clearance rates stuck below 50% for weeks (the worst run since 2018), open home attendance down 43% year-on-year, and the lending data driving it all.
How lenders scrambled to rewrite borrowing power calculators within days of Budget night — some borrowers lost up to $160K in capacity overnight
Why majors and smaller lenders are treating investment debt so differently
What AFG's lodgement data really reveals about first home buyers, upgraders and investors
The shift toward interest-only loans as borrowers protect negative gearing and build buffers
Why this cautious market might be the smartest time for new investors to prepare — and what "prepared" actually means
Tune in to hear the conversations happening behind closed doors right now.
RESOURCES MENTIONED
Free Webinar: New vs Established Property — What Should You Buy in Today's Market? 🎙️ The rules have changed. Should your strategy? Join us live to unpack the real numbers behind buying new vs established in today's market. 📅 Tuesday, 28 July 2026, 7:30pm AEST 👉 Register free
Free Borrowing Power Calculator 💰 Curious what you could actually borrow right now? Run your numbers through Moorr's latest feature and get clarity in minutes. 👉 Get financial clarity now
Free Personalised Lending Chat 📞 Want to know exactly where you stand? Have a free, no-obligation chat with our team and get a lending assessment tailored to you. 👉 Book your free chat today.
With the government’s new tax settings encouraging investors towards new property, one big question is starting to dominate the conversation:
Does a better tax benefit automatically make a new property the better investment?
In this special Tuesday episode, Ben breaks down the equation every property investor should consider before choosing between a new build and an established property.
Because while tax savings can make an investment look attractive today, they are only one part of the bigger picture.
Free Stuff Mentioned: New vs Established Property Webinar
Want Ben to unpack the numbers, historical performance and trade-offs in more detail? Join the free live webinar:
Places are limited, so make sure you register early.
Timestamps
00:36 – Should tax savings influence your property choice? 00:56 – The property investment equation explained 01:32 – What happens to carried-forward property losses? 02:25 – Comparing two $800,000 investment properties 02:51 – New property vs established property growth 03:17 – Can tax benefits make up for lower capital growth? 04:30 – How to compare total property investment returns 05:33 – When buying a new property can make sense 07:07 – Property market risks, supply and oversupply 07:24 – Free suburb research and property data in Moorr
Have a Property Data Question?
We will be sharing more Tuesday property data dives. Submit the topics, locations or market questions you would like them to unpack at the comment section below or send it in here: https://thepropertycouch.com.au/topics/
Have You Ever Been Pressured to Rush a Property Offer? | FUNdamental Fridays
17 Jul 2026
00:08:22
In this Friday Fundamentals episode, Shane Pope and Luke Oxenham share what they wish more clients knew before buying property.
Shane starts with the negotiation side, unpacking how agents can create pressure and urgency during a deal — and why buyers often have more space than they realise to make a calm, quality decision.
Luke then explains the finance side, including why settlement length is often less important than the finance clause, cooling-off period, and the time needed to secure unconditional approval.
Together, they cover the parts of buying property that can feel stressful, confusing or rushed — and how better preparation can help buyers avoid poor decisions.
If you’re planning to make an offer, this is a useful episode to listen to first.
00:27 – Welcome back to Friday Fundamentals 01:09 – What Shane wishes more buyers knew 01:11 – Why agent pressure can feel so intense 01:34 – Can buyers push back on offer deadlines? 01:59 – Why buyers can be firmer with agents 02:24 – Creating space to make better decisions 03:01 – Why first home buyers can feel like they’re bidding against themselves 03:20 – Going radio silent and using time as a tell 03:49 – Why timing matters in negotiations 04:06 – Case study: negotiating a lifestyle property 04:26 – Four other buyers at the table 04:54 – Why a good buyer’s agent can help 05:13 – What Luke wishes more buyers knew 05:33 – Why unconditional approval matters 05:54 – Finance clauses and lender timeframes 06:12 – Why brokers plan for the worst-case scenario 06:45 – Why the first week matters most 07:04 – Buyer pressure before and after settlement 07:41 – Final thoughts and send in your questions
606 | How Ownership Mix Could Improve Your Return by 34% - Chat with Gerard Burg
16 Jul 2026
00:59:10
(Upcoming webinar - 7:30pm AEST, Tues, 28th July) New vs Established Property: What should you buy in today’s market? Register here: https://thepropertycouch.com.au/registernow
Do owner-occupier suburbs have better capital growth?
New Cotality research suggests the answer is often yes — particularly when it comes to units.
Between 2010 and 2026, units in owner-occupier-heavy areas grew by 99%, compared with 65% in investor-heavy suburbs. Applied to the national median unit value at the beginning of that period, that represents an estimated $148,000 difference in capital gains.
But does that mean investors should simply avoid any suburb with a high share of renters? Not quite.
In this episode, Ben Kingsley is joined by Gerard Burg, Head of Research at Cotality Australia. Gerard brings more than two decades of experience analysing economic and industry trends across government and the private sector, including his previous role as a Senior Economist at NAB.
Together, they unpack what Cotality’s ownership-composition research really tells us, why the relationship is so much stronger in the unit market, and how liveability, amenity, renovation activity and future housing supply can influence long-term performance.
They also explore the risks of investor-heavy apartment markets, the potential consequences of pushing more investors towards new builds, and what the latest listings and lending data reveal about Australia’s property market in 2026.
Free Stuff Mentioned
(LIVE Webinar!) New vs Established Property: What should you buy in today’s market? Have recent tax changes made new property the obvious choice for investors? Join us on Tuesday, 28 July at 7:30 pm AEST as we unpack the real numbers, risks and trade-offs behind buying new versus established property.👉 Register for the free webinar
Moorr’s Suburb Search Feature: Looking for more suburb data? Check our Moorr’s brand new feature: Suburb Search! Research over 30,000 Australian suburbs with just a few clicks. Explore monthly-updated market data, compare locations, uncover hidden opportunities and access suburb-level insights to help you invest with greater confidence. 👉 Learn more
Timestamps
01:23 – Should You Buy New or Established Property After the Tax Changes?
02:28 – Meet Gerard Burg, Head of Research at Cotality Australia
03:21 – Money Story: Growing Up as the Youngest of Five Children
09:19 – How Gerard Found His Way Into Economics and Property Research
14:16 – How the Rental Ratio and Ownership Research Was Calculated
15:27 – Do Owner-Occupier Suburbs Have Better Capital Growth?
17:15 – How Ownership Composition Created a $148,000 Difference
20:00 – Why Schools, Transport and Liveability Influence Property Values
23:29 – Why New Apartment Supply Can Limit Capital Growth
27:00 – How Investors Should Use a Suburb’s Rental Ratio
32:23 – How the New Tax Settings Could Change Investor Behaviour
37:05 – Could New Housing Estates Become the Next Investor-Heavy Markets?
39:29 – Rental Guarantees, Oversupply and Concentration Risk Explained
44:27 – The Practical Property Research Lessons Investors Can Apply
46:08 – Australia’s Property Market Outlook for the Rest of 2026
46:36 – Are Rate Rises or the Federal Budget Driving the Market Slowdown?
51:00 – Are Regional Property Markets Still Outperforming the Capitals?
53:57 – What Rising Listings Tell Us About Sydney, Melbourne and Brisbane
56:31 – Interest Rates, Borrowing Capacity and the Signals to Watch Next
When someone leaves a two-star review calling you "property spruikers," you've got two choices: ignore it, or read it out loud and respond properly!
In this Throwback Tuesday snippet, Bryce & Ben unpack a listener's concerns about high debt, over-leveraging and vested interests... and why a healthy dose of scepticism is no bad thing.
Would YOU Still Invest in Established Property Today? | FUNdamental Fridays
10 Jul 2026
00:06:25
Welcome back to Friday Fundamentals on The Property Couch.
In this episode, Shane and Luke tackle a question that’s suddenly everywhere:
Would you still buy an established property today if the negative gearing benefit is deferred?
Their answer? Yes — but it depends on your goals, your timeline, and the quality of the asset.
This conversation unpacks why negative gearing is only a moment in time, why growth still does the heavy lifting over the long term, and why chasing a tax outcome can be a dangerous way to build an investment strategy.
They also break down why established property still has a strong case, especially when land, location and asset quality are front and centre.
If you’ve been wondering whether the recent changes mean you need to completely rethink your property approach, this is a great place to start.
00:10 – Welcome to Friday Fundamentals 00:49 – The big question: would you still buy established property? 01:13 – Luke’s answer: yes, but it depends 01:45 – Why long-term goals still matter most 02:03 – PPOR maxing and future strategy 03:17 – Why Shane would still buy established property 04:09 – The buyer’s decision quadrant explained 04:24 – Why not all “tax-friendly” property is good property 05:00 – Negative gearing is a moment in time 05:39 – Final thoughts and send in your questions
605 | Has Rentvesting Really Stopped Working? – Chat with Glen James
09 Jul 2026
00:57:32
"I don't think it can get much worse for people trying to get their first property.”
That’s Glen James, best-selling author, financial educator, host of the award-winning Money Money Money podcast and today’s special guest.
From Glen's journey as a self-confessed "recovering spender" to why your first home doesn't need to be your forever home, this conversation explores the money habits, finance strategies and changing tax landscape shaping the next generation of property owners and investors.
You'll learn:
✔️ The outdated first-home advice you can ignore ✔️ Whether rentvesting still stacks up in today's market ✔️ The first conversation every aspiring buyer should have ✔️ The role family guarantees and LMI can play ✔️ How to choose the right first property—not just your dream property
Listen now!
FREE STUFF MENTIONED
The Quick-Start Guide to Your First Property 📘 Glen and Rachelle Kroon's practical new book cuts through the confusion of buying your first home or investment property with clear, step-by-step advice to help you get into the market sooner. 👉 Grab your copy here
Money Money Money Podcast 🎧 Listen to Glen’s award-winning personal finance podcast covering budgeting, investing, property and practical money strategies. 👉 Listen here