Suburb Data with Damien & Jeremy

Episode 7 shows there is no such thing as depreciation “benefits”. Depreciation is a detriment, not a benefit. We explain what depreciation really is, the unavoidable loss in a building’s value, and why tax deductions do not make you richer. Clear examples show how a $10,000 claim might cut your tax by $4,000 yet still leave you $6,000 worse off, and how Division 43 claims reduce your cost base and increase future capital gains tax. We separate depreciation from repairs, outline prime cost versus diminishing value methods, and test the theory against real markets, including off the plan units in Zetland that went backwards. The rule of thumb is simple. Minimise depreciation, maximise land value, and favour established, supply constrained locations with room to add value. Episode Highlights: 00:00 - Introduction 00:40 - What is depreciation? 07:26 - Divisions of tax law 10:52 - Diminishing value and prime cost 12:30 - Capital growth 13:21 - Tax example 17:56 - You don’t get it all back 19:41 - Maintenance 21:18 - Example - Back deck 30:16 - Depreciation “Benefits” 34:04 - Selling 35:11 - Bad advice 40:44 - High depreciation properties 45:13 - Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER Please be aware that the content presented in this episode is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on this content. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by listeners based on this content are at their own risk.

Episode 6 challenges the idea that higher wages drive higher capital growth. Using ABS census data across all suburbs since 1991, we group markets by household income and by income growth over 5 to 25 years and find no consistent link to future price gains. The flaw is practical as well as statistical. Buyers can come from anywhere, census incomes are lagged and noisy, and borrowing capacity depends on more than wages. In many eras the pattern reverses, and higher prices can lift the incomes recorded later, not the other way around. The takeaway is clear. Ignore wage and wage growth metrics when selecting suburbs and focus on what actually moves prices.   Episode Highlights: 00:00 - Introduction 01:15 - Buyers can come from anywhere 07:58 - Household income vs Capital growth 13:56 - 5 year growth — Household income vs Capital growth 17:02 - 10 year growth — Household income vs Capital growth 18:28 - 15 year growth — Household income vs Capital growth 18:53 - 20 year growth — Household income vs Capital growth 19:37 - 25 year growth — Household income vs Capital growth 20:13 - Household income relative to state vs Capital growth 21:24 - 5 year household income growth relative to state income growth vs Capital growth 23:30 - Cause correlation 26:02 Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Episode 5 tackles the myth that buying closer to the CBD delivers superior capital growth. We unpack why past reports misled investors through tiny samples, uneven suburb spacing and single time frames, then replicate their methods across later periods to show the result often reverses. We widen the analysis to thousands of suburbs across major cities and find no enduring link between distance to the CBD and higher growth. We also compare yield and volatility, showing inner ring markets often provide lower income and greater risk without a growth premium. The message is simple. Do not stretch your budget to buy close in. Rely on broad data and test every claim across time. Episode Highlights: 00:00 - Introduction 00:43 - Flawed past research 01:49 - Debunking the Australian Housing Urban Research Institute (AHURI) report 15:06 - AHURI flaws summary 24:00 - How ratios change over long vs short history 34:43 - Accurate charts based upon data 40:25 - Distance from CBD vs Yield 43:18 - Risk for investors to consider 48:48 - Other considerations 53:51 - Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Episode 4 busts the idea that buying near amenities delivers superior results. We compare suburbs with train stations, top schools, beaches, major shopping centres and airports over decades, and also rank suburbs by walk score, finding that price premiums do not translate into better capital growth or yield over time. Where a new amenity appears, any uplift is brief as prices adjust. We also test the claim that so-called A grade properties beat the median and show the gap narrows rather than widens. The message is simple. Treat amenities as price features, not growth engines, and focus instead on supply constraints, planning limits and real buyer competition. Timestamps: 00:00 - Introduction 00:55 - Amenities listed 01:51 - Apples vs Oranges analogy 05:06 - When a new amenity appears 08:46 - Historical data 10:35 - Sydney suburbs with and without train stations 16:23 - Melbourne suburbs with and without train stations 20:54 - Brisbane suburbs with and without train stations 27:10 - Melbourne suburbs with good schools vs without 30:25 - Sydney suburbs with beaches vs without 34:32 - Suburbs near large shopping centres vs others 36:45 - Sydney and Melbourne suburbs near airports vs others 40:17 - Walkscore 49:37 - Standard deviation of average as a percentage 58:47 - Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Episode 3 tests the new versus old theory and shows why depreciation is not a benefit but a cost that only reduces tax while the building falls in value and the land rises. Through clear examples comparing land to asset ratios, cash flow, vacancy, stamp duty and grants, we show the growth gap still favours established homes with more of the price in the land. We confirm this with Queensland sales data where newer dwellings delivered lower capital growth, and explain how capital gains tax can claw back years of claimed depreciation. The message is simple. If you want a new home, build it for yourself. If you want an investment, favour established property with strong land content, limited new supply and room to add value. Episode Highlights: 00:00 - Introduction 00:53 - Nothing beneficial about depreciation 01:43 - What is depreciation 03:40 - Depreciation tax deductions 05:44 - Depreciation schedule example 10:39 - Depreciation — You don’t get it all back 13:37 - Depreciation — New vs Old 14:17 - Land vs Dwelling 14:51 - New vs Old 21:15 - Appreciation and depreciation 33:50 - First homeowners grant 35:29 - Land to asset ratio (LAR) 37:45 - Why pros shouldn’t recommend high-depreciation properties 41:57 - Renovate or rebuild 54:52 - Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER Please be aware that the content in this episode is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances. • It is strongly recommended to consult with a qualified financial advisor before making any financial decisions based on this content. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on this content are at their own risk.

Episode 2 of the Expert Busting Series examines the idea of buying under market value. We explain the difference between negotiating on price and buying below fair value, which is set by recent comparable sales and used by banks and valuers. We also show why the price you pay becomes the new market value, limiting the usefulness of so-called discounts. This episode covers: How advertised discounts differ from true value What we found when auditing “under market value” deals How discount-focused suburbs perform over time Why bargains usually appear in weaker markets What to prioritise for long-term results A practical, data-based look at one of the most common claims in property investing. Timestamps: 00:00 Intro 00:53 Defining terms 02:59 Making a professional valuation 04:21 Everyone has a bias 05:13 Problem 01: True value 07:19 Problem 02: New value 11:01 Fails 17:25 Discount vs growth 18:41 Key points 19:55 Analysis of discounts 24:09 Distressed sale 30:15 Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series: A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

The Expert Busting Series is Suburb Data’s new program that tests common property advice against hard data. In episode 1, we examine the popular claim that population growth drives capital growth at the suburb level. The data shows the opposite: strong population forecasts usually signal new supply, not rising demand. We break down how population forecasts are created, how planned dwellings feed into assumptions, and how prices actually move when supply and demand shift. We also explain where vacancy rates fit into the picture. Real-world case studies including Hobart, Cairns, Townsville and Sydney show that rapid population growth often fails to translate into strong price gains in the years that follow. Timestamps: 00:00 Introduction 01:07 Supply and demand fundamental law 06:00 Population growth influences 07:42 How the population of a suburb grows 17:21 Population growth example 20:38 Hobart vs eastern seaboard majors example 22:48 More examples 24:45 Townsville example 26:24 Sydney example 27:38 Population growth vs capital growth over 5 year period 33:24 Conclusion ============================================================= 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B ============================================================= Expert Busting Series: A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting ============================================================= DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and are not authorised to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

The Expert Busting Series is here — a data-driven look at the biggest myths in property. In this intro, Jeremy shares how trusting the wrong “experts” cost him around $1 million in lost opportunity and why this series exists: to separate real research from marketing hype. You’ll learn: • Why so much property advice is flawed. • How investors get misled. • What actually drives capital growth. • How this series will keep you out of trouble. A short, honest look at the mistakes that shaped Jeremy’s mission to uncover the truth. Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU 🎙️ Watch all Expert Busting episodes: https://www.youtube.com/playlist?list=PLWD8h9iMOyGg14F66DTdoZuS63mUJwJ82 📚 Read the full data-backed articles: https://suburbdata.com.au/education-expert-busting/ 🔎 Learn how to use Suburb Data to analyse property data: https://www.youtube.com/playlist?list=PLWD8h9iMOyGhDsFFEMdzP5fvfenYvbp0B About the Expert Busting Series A data-driven investigation into property myths. We fact-check bold claims, expose misleading advice, and reveal what the numbers actually say. Evidence over confidence. Data over hype. #expertbustingseries #propertymyths #australianproperty #propertyinvesting #datadriveninvesting #suburbdata #DSR #propertytruths #realestateinvesting DISCLAIMER Please be aware that the content presented in this episode is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances. • It is strongly recommended to consult with a qualified financial advisor before making any financial decisions based on this content. • Suburb Data does not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth). • Any actions taken by listeners based on this content are at their own risk.

In this episode, we dive into the 3rd part of our accounting series with Dom from DPR Accountants 🧮 This time we cover depreciation, repairs, and capital works for property investors. We explain what you can and can’t claim, how quantity surveyors fit in, and why renovations, extensions, and upgrades can change your tax outcome. We also talk about ownership splits, new build traps, and why second-hand assets are treated differently. If you’ve ever wondered how to get the most out of your investment deductions, this one’s packed with clear answers and examples.   Episode Highlights 00:00 - Introduction 00:59 - SMSF Structure 14:27 - SMSF Examples 28:48 - Summary 43:35 - Complex company structure 53:56 - Closing thoughts   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: • Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Dom from DPR Accountants is back as we unpack trusts versus companies for property investors. We show when each structure makes sense, how the tax actually lands, and the traps to avoid. You will hear about CGT discounts, dividends and franking credits, land tax from the first dollar in some states, quarantined trust losses, corporate trustees and bucket companies, borrowing and serviceability, plus asset protection. Clear examples show when a company can beat a trust, and when a trust shines by sharing income with family 🧾   Episode Highlights 00:00 - Introduction 00:43 - Company structure examples 05:13 - Legal steps setting up a company 08:19 - Trust structures 21:23 - Company example 24:37 - Trust example 28:38 - Closing thoughts   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: • Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Dom from DPR Accountants joins us for part one of our three part accounting series. We break down owning property in your own name. Joint tenants versus tenants in common. Partnerships and land tax surprises. How negative gearing can turn positive and when to time a capital gain. Smart loan structuring like splitting debt between partners, using offsets and PAYG variations to smooth cash flow. Plus when teaming up to buy helps or hurts and how to protect serviceability while keeping growth front and centre. Tune in for clear answers and fewer headaches next time you buy   Episode Highlights 00:00 - Introduction 00:58 - Property in your own name 06:30 - Investing with siblings or friends 08:37 - Individual income tax 11:24 - Capital gains tax 15:40 - Land tax 30:51 - Loan splits 43:24 - Gearing example   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: • Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Join us for Episode 50 as we rewind two years of wins, misses, and market shifts. We unpack the new 5% deposit scheme. We cover LMI, serviceability, and the risk of juicing demand. We compare rentvesting and borderless buying with “buy in your backyard.” We call out the life-coach property hype. We show why DSR3 matters, where Darwin, Perth, and parts of Melbourne are heating up, and how yields and vacancies shape cash flow. We wrap with the biggest lessons: build a strategy, use data, and tune out the noise. If this helped, drop a like—50 thumbs up and we’ll go weekly.   Episode Highlights 00:00 - Introduction 01:12 - Government 5% deposit scheme 08:35 -  More interest in data 09:35 - Suburb Data DSR 3 - Pay per use 12:42 - Strategy shifts 14:55 - NSW fair trading property agent business leaders forum 20:54 - What hasn’t changed? 23:17 - Market sentiment - Nov 2023 24:42 - Around the grounds - Sep 2025 27:55 - The last 3 years 29:33 - Key lessons from the first 50 episodes 32:23 - Thank you   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Are buyer’s agents worth it right now or mostly clever marketing? 🏡 We unpack what a buyer’s agent actually does, where they add real value, and the traps to watch like bias, glossy reports, and chasing off market or under market value. We compare Perth’s surge with Melbourne’s flat patch, share a real case study of a unit that went backwards over nearly ten years, and explain when to use a local pro versus going DIY with our Suburb Data tools. Like, comment, and subscribe for more straight talking property chats.   Episode Highlights 00:00 - Introduction 00:47 - BA vs Selling agent, what’s the difference? 05:20 - Advantages of having a BA? 16:00 - Example: Melbourne vs Perth 18:38 - Disadvantages & limitations of a BA 23:34 - When a BAD is worth it or not 28:25 - Harris Park unit example 31:21 - Conclusion   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: • Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

We are back with another Q&A answering the questions you have sent through 🙌 We cover depreciation myths and why new builds often underperform, the big yield versus growth debate, units in big cities, and whether Perth is still worth buying into. We also talk about SMSFs, red flag awards, and the strategies that really drive long term results. If you have ever wondered if it is too late to start investing at forty, whether chasing yield actually helps you grow a portfolio, or how to spot oversupply before it hurts your returns, this one is for you. Leave your questions in the comments and we will hit them up in the next Q and A.   Episode Highlights: 00:00 - Introduction 02:01 - Depreciation washout 06:12 - Cash flow and capital gain 11:28 - Minimum price for a property 16:35 - High rental yield with capital growth 20:24 - Purchasing an apartment 26:30 - Is 40 years old too late? 27:57 - Purchasing in Perth during the peak 30:21 - Self managed super funds 38:45 - Suburb Data, AI or Human? Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: • Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

It’s finally here DSR 3! 🚀 In this episode, we reveal the brand-new version of our Demand to Supply Ratio algorithm and show you how it stacks up against the old models. From why we built it from scratch and why it’s a big leap forward in predicting capital growth, we cover it all. Plus, we take you on a tour of the new Suburb Data platform. Heat-maps, historical charts, context rulers, and our new pay-per-use model designed to make research more flexible than ever.   Episode Highlights: 00:00 - Introduction 00:51 - Why we built DSR3 06:58 - Suburb Data website tour 09:36 - How to search for cashflow vs capital growth 24:11 - Common traps 26:37 - Exploring the tool further 27:45 - Historical charts 38:01 - Heat maps 44:31 - What features are coming next?   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Is there really such a thing as the perfect suburb? 🏡 In this episode, we bust the myth and talk about why chasing perfection can lead to analysis paralysis and missed opportunities. From cherry-picked “hotspot” reports to buyer’s agents with blinkers on, we share why every suburb has trade-offs and what really matters when weighing up growth, cash flow and risk.   Episode Highlights: 00:00 - Introduction 02:50 - Have you ever found a metric perfect suburb? 03:38 - Can a suburb be perfect for investment? 10:40 - 2014 Data: Analysis paralysis 13:37 - Pitfalls of the chasing the perfect investment suburb 16:47 - Can you trust the data? 18:19 - Look for reliability 19:06 - Is there a perfect house? 23:21 - Conclusion   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

Old-school advice told us to "buy near the CBD" and "chase high income areas" but does the data actually back that up? In this episode, we dig into why data and tech are changing the property game, how smart investors are using it to make better calls, and why clinging to outdated ideas could be costing you 💥   Episode Highlights: 00:00 - Introduction 00:31 - The problem with old school investing 02:57 - Why does data driven investing work better? 09:00 - How has tech changed the game? 14:10 - Not all data is equal 15:48 - What does use of smart data look like? 20:06 - An example when good data has prevented a poor decision 25:10 - Conclusion   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

This week we’re building on last episode’s foundations and diving into smart scaling, how to balance growth vs yield, how to avoid emotional traps, and whether chasing “undervalued” deals is actually costing you 💸 Damien fires off rapid-fire questions while Jeremy drops some spicy truths (including his early mistakes!). Whether you’re a new investor or scaling up, this one's packed with practical tips, laughs and a few hard truths.   Episode Highlights: 00:00 - Introduction 00:34 - How do you balance high rental yields with capital growth? 04:15 - Suburb Data context ruler example 09:05 - How does leveraging equity help scale faster? 10:44 - Pulling out equity when available 13:08 - What’s the best way to accelerate capital growth? 19:03 - Signs of an emotional decision 22:20 - How would you choose a good property manager? 29:32 - Have you talked a client out of a bad deal due to bias? 33:30 - Data vs sentiment 34:10 - Is data useful in an emotional market? 35:29 - How to stay objective when getting caught up in the noise?     Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

What makes a suburb really worth investing in? In this episode, we chat about the key ingredients of a high-performing property. From suburb selection and asset quality to emotional traps and the overhyped “blue chip” myth. Grab a coffee and tune in for a no-BS chat full of tips, laughs and a bit of expert busting. Let us know your biggest property investing lesson in the comments!   Episode Highlights: 00:00 - Introduction 02:09 - How can investors minimise mistakes? 08:59 - Most common emotional pitfalls 12:12 - Investor mistake process 16:09 - How is DSR different from its competitors? 21:22 - How often should investors review the DSR score? 25:40 - What’s the first thing to check on the ground 27:42 - How does infrastructure developments impact growth? 30:52 - Strong DSR score, underperforming?   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.

We always talk about property investing, but this time we’re digging into the money habits that make it all possible 💸 From dodging credit card traps to tracking your surplus and actually sticking to a budget, we’re sharing what’s worked (and what hasn’t) over the years. Whether you’re trying to save for your first property or just want to feel less broke by Friday, this one’s for you. Let us know in the comments if you want more episodes like this—we’re keen to keep it going if you are!   Episode Highlights: 00:00 - Introduction 01:23 - Financial quotes 05:30 - What triggered an interest in money management 10:10 - Money management mistakes 12:05 - What is an easy starting point? 15:06 - Does being frugal = wealth? 20:59 - Is saving different when being an investor? 24:39 - What is the easiest way to start tracking finances? 27:02 - Best financial habit? 28:11 - Going back in time, what would you do differently? 29:46 - Cash is king! 31:23 - Conclusion   Got questions or feedback? Email us: PODCAST (AT) SUBURBDATA.COM.AU   DISCLAIMER: Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice. • The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation. • It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer. • We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services. • Any actions taken by viewers based on the information in this video are at their own risk.