My Next Property

The rules of trust lending just changed — and if you're building a property portfolio in Australia, you need to know what happened! In this episode of My Next Property, expert mortgage broker Andrew Hadjidemetri from AFMS Group breaks down exactly how investors were using trust structures to bypass serviceability restrictions, and why the major banks — including Macquarie, CBA, and ANZ — shut it down from October 2025. Andrew explains who's most affected, what the new lending policies look like across the Big Four, and what strategies actually still work for growing a multi-property portfolio under the new rules. Whether you're just starting out or already scaling, this is essential knowledge for navigating the current lending landscape. 0:00 — The Trust Lending Strategy Explained 4:10 — Gaming the System: Stuffing Offset Accounts Before Reports 5:04 — What Triggered the Banks to Act in October 2025 12:53 — What the New Policies Look Like: CBA, ANZ, Westpac, NAB & Macquarie 16:26 — What Building a Portfolio Now Actually Looks Like 18:01 — How Open Banking Is Making It Harder to Hide Spending 19:54 — 3 Quality Properties vs 15 Cheap Ones: Andrew's Take 22:11 — Final Tips: Get a Good Accountant & a Good Broker If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

Gold Coast or Sunshine Coast? Where would you buy in 2026? In this episode, Steve breaks down the headline numbers, population growth forecasts, 2032 Olympic tailwinds, and infrastructure pipelines driving both markets. With median house prices now sitting above $1 million in each region, knowing where to put your money matters more than ever. Steve goes suburb-by-suburb, comparing Bigger Waters on the Gold Coast against Sippy Downs on the Sunshine Coast — revealing which market has stronger deal economics, tighter vacancy rates, and the better entry point for investors right now. Whether you're eyeing a house or a boutique unit play, this episode gives you a data-driven framework to make the call. 0:00 — Steve's Bold Claim: One clear winner between the two coasts 2:51 — Headline Numbers Side-by-Side — Median prices & vacancy rates for both coasts 3:50 — Sunshine Coast Deep Dive — Population forecasts, $5B health precinct, Olympic tailwinds 5:20 — Gold Coast Deep Dive — 400 new residents per week, 10% economic growth, $60B infrastructure 7:00 — The Real Risks — Price points, cycle timing, and where the opportunity still exists 8:31 — Steve's Gold Coast Pick: Bigger Waters — Data breakdown (yield, vacancy, owner-occupier %) 10:21 — Steve's Sunshine Coast Pick: Sippy Downs — Why this education-driven suburb stacks up 11:41 — The Verdict — Which coast wins and exactly where Steve would put his money today If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode of My Next Property, Steve Ash reveals the five Australian areas he believes investors should avoid in 2026. From Melbourne's oversupplied high-rise towers to Sydney's defect-plagued apartment blocks, Steve breaks down exactly why these "affordable" investments could trap your portfolio. He also makes two bold contrarian calls on areas that will grow in 2026 — but argues the long-term risk far outweighs the short-term gain. Whether you're a first-time investor or scaling your portfolio, this episode is essential viewing before making your next move. 1:24 — #1: Melbourne Towers — Why Docklands & Southbank are investor traps 4:24 — #2: Sydney Towers — Homebush's defect crisis & six-figure special levies 6:18 — #3: House & Land in North Melbourne — 10%+ vacancy rates & zero scarcity 8:25 — #4: Far North Queensland — Townsville's 70% boom & the mining town warning 12:10 — The Port Hedland precedent — When a boom turns into negative equity 13:52 — #5: Darwin & Palmerston — The most controversial call (20–40% growth, but...) 18:32 — Full recap — All 5 areas summarised with Steve's final verdict If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode of My Next Property, Steve Ash sits down with Michael Xia - founder of Mortgage Channel, 100+ property portfolio owner, and one of Australia's most experienced property investors - to break down his exact strategy for building a $100M portfolio from scratch. Michael reveals why he's now buying old red brick units in Sydney for as low as $435K (cheaper than Brisbane!), why Melbourne's bottom was Australia Day 2024, and how the boring "rinse and repeat" approach to property investing beats flashy strategies every time. Whether you're a first-time buyer trying to break into the market or an experienced investor hunting for the next contrarian play, this episode is packed with actionable insights on market cycles, cash flow strategy, and why diversification might actually be hurting your returns. 0:00 — Meet the man who built a $100M portfolio from scratch 5:36 — Why Michael never diversifies (and what Warren Buffett taught him) 9:47 — How he became the street-level expert agents call first 13:50 — Regional vs capital city: Why Townsville is a trap at $650K 17:08 — Melbourne has bottomed — the suburbs already moving 21:00 — $435K Sydney units: The play he says is bigger than Logan 34:57 — The $2.5M to $150K passive income blueprint (on paper) 44:44 — It's all a game of inflation: The debt erosion theory 52:04 — What's next for Michael & how to reach Mortgage Channel If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode, Steve Ash breaks down 5 suburbs in Tasmania with median prices between $377K-$580K, vacancy rates under 1.5%, and yields hitting 5-5.5%. Tasmania is emerging as one of Australia's most exciting property investment opportunities heading into 2026. With a new AFL team (Tasmanian Devils), major stadium development at Macquarie Point, $2.1 billion in data centre investments, and hospital expansions across the state, the infrastructure tailwinds are impossible to ignore. If you're looking for houses under $600K with strong cash flow and equity growth potential, this is essential viewing. 0:00 - Introduction: Why Tasmania is suddenly on every investor's radar 2:47 - #1 Glenorchy (Hobart): $580K median, 0.9% vacancy – Steve's top pick 3:48 - #2 Newnham (Launceston): $535K with 70% owner-occupier rate 4:48 - #3 Ravenswood: Tasmania's cheapest at $409K with 5.4% yield 5:41 - #4 East Devonport: 22% growth last year, 0.6% vacancy 6:51 - #5 Shorewell Park (Burnie): $377K median – ultra-affordable entry 7:58 - Full Suburb Recap: Quick comparison of all 5 areas 9:03 - The Buying Window: Why the first 6 months of 2026 is critical If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode, Steve Ash breaks down the five timeless wealth-building principles from "The Richest Man in Babylon" and reveals how he applied them to build an 8-figure property portfolio. Steve explains why becoming a millionaire is "extremely easy" in theory but hard in practice, drawing parallels to fitness and discipline. From the 10% savings rule to protecting your portfolio with $10K buffers per property, these are the foundational habits every property investor needs before buying their first (or next) investment. 0:00 — Why becoming a millionaire is "extremely easy" (in theory)2:13 — Rule #1: Pay yourself first — the 10% savings rule 3:20 — Rule #2: Spend smart — what you CAN control 4:16 — Rule #3: Invest wisely — Warren Buffett's $1M bet 5:11 — Rule #4: Protect your wealth — the $10K buffer strategy 7:01 — Rule #5: Invest in yourself — the compounding skill most people miss 8:43 — Full framework recap — the 5 principles summarised If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode, Steve Ash breaks down why Geelong is Australia's hottest regional property market right now. With 9.3% of all net internal migration (beating the Sunshine Coast), population growth projected at 35-45% by 2041, and vacancy rates sitting at just 1%, the fundamentals are undeniable. Whether you're a first-time investor looking for affordable entry or wanting premium growth potential, this episode maps out exactly where to buy, what to avoid (watch out for that reactive sandy soil), and why Geelong could mirror what happened to the Sunshine Coast. 0:00 — Why Geelong is leading Australia's internal migration2:38 — $1B infrastructure pipeline transforming the region4:30 — Suburb #1: Belmont — The sweet spot ($609K median)6:55 — Suburb #2: Corio — Entry-level gentrification play ($450K)11:03 — Suburb #3: Highton — Premium growth with 9/10 socioeconomic rating14:25 — The supply squeeze: Why locals aren't selling If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

Is a house and land package really a smart investment, or a costly trap? In this episode, Steve and Theo break down why new house and land developments often fail to deliver capital growth, using real examples like Sydney's Leppington area where $1.2M properties have stagnated for 3 years. They reveal how developer-controlled supply kills your equity potential and what the Facebook ads promising easy wealth won't tell you. If you're considering a house and land package as your first investment property, this episode is essential viewing! 0:00 - The Investment Trap Nobody Warns You About2:45 - The Supply Problem: Why Developer Control Kills Your Growth4:08 - $1.2M Case Study: Leppington's 3-Year Stagnation8:50 - Melbourne's Danger Zones: Tarneit, Wyndham & Truganina12:45 - The Only 2 Things That Could Make It Work16:45 - Why This Kills Your Ability to Scale?If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

What will Australian house prices do in 2026? In this episode, Steve Ash breaks down his 2026 property market predictions based on proprietary research and industry data. He reveals which markets are set to outperform next year and the critical factors driving prices including interest rate cuts, population growth, and first home buyer grants.Steve also shares a crucial warning for investors chasing hot markets: why buying at the top of the cycle could be a costly mistake, and where he's personally finding value right now. Whether you're eyeing Brisbane, Perth, Adelaide, Melbourne or regional areas like the Sunshine Coast, this episode gives you the data-backed insights you need to make smarter property decisions in 2026.0:00 – 2026 property market predictions revealed2:00 – 2025 city-by-city results: Perth 12%, Brisbane 12%, Darwin 17%, Melbourne -5%6:04 – Interest rate cuts coming: RBA outlook for 20268:49 – Population surge: 500K+ migrants driving demand14:12 – 2026 forecasts by city: Perth, Brisbane, Adelaide, Melbourne outlook22:18 – Queensland hotspots: Sunshine Coast & Gold Coast predictions24:09 – Warning: Don't chase the cycle – why I'm buying for value, not momentum If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

While everyone's chasing Brisbane and Perth, savvy investors are quietly discovering Canberra's hidden potential. In this episode, Steve Ash breaks down why the nation's capital could be Australia's most underrated property market right now. With bulletproof government employment, ultra-tight vacancy rates, and suburbs showing early signs of momentum, Canberra offers something most hot markets can't: stability with upside. From the affluent owner-occupier pockets of Wanniassa and Conder to the strategic NSW border play of Queanbeyan (with 10.4% growth in the last 12 months), this episode is packed with real data and actionable insights.If you're priced out of Brisbane or looking for your next portfolio addition, this could be the opportunity hiding in plain sight. 0:00 – Why nobody's talking about Canberra (and why they should be)2:55 – The biggest CON of investing in Canberra (leasehold & holding costs)3:55 – Wanniassa: 81.9% owner-occupiers & 12.5 year hold periods5:56 – Conder: Affordable entry with granny flat potential8:41 – The "cheat code" suburb: Queanbeyan (freehold land, no ACT fees)11:15 – Queanbeyan's 10.4% growth in the last 12 months13:10 – Steve's final verdict: Is Canberra worth it? If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode of My Next Property, Steve Ash sits down with Kurt from Blue Collar Money to break down a powerful three-step blueprint for young Australians to build a property portfolio in their early 20s. They discuss why Melbourne is the smart buy right now, the rent-vesting mindset shift, why avoiding "dumb purchases" like financed cars is critical, and how changing the conversations at the smoko table can transform an entire generation of blue-collar workers into property investors. Whether you're a tradesperson, FIFO worker, or anyone in their 20s with savings and ambition, this episode gives you the exact roadmap to start building wealth through property. 2:30 - Kurt's story: Mining worker to $3.5M portfolio by his 30s 5:45 - Step 1: Rent-vesting — why avoiding owner-occupier changes everything 7:40 - Step 2: The Melbourne play — $700K house using 95% LVR 10:00 - Step 3: Stacking the next deposit on $10K/month income 15:50 - Real case study: Young Tom's path from $0 to $1.7M at age 24 21:00 - The guarantor hack: Using parents' equity for 100% lending 28:00 - Kurt's early mistakes: Off-the-plan disasters and lessons learned 33:00 - The 90% rule: Why mindset beats strategy every time 39:00 - Final takeaway: Education, action, and playing the long game If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

This Queensland town is set to boom! And the numbers are already stacking up. In this episode, we unpack Townsville's explosive property market with boots-on-the-ground insights from buyer's agent Kurt. From the $35K entry point strategy making first home buyers competitive, to the hidden flood zone risks that could blow out your insurance to $5,000+ per year, this episode breaks down what's really happening in North Queensland property. If you're considering investing in regional Queensland or want to understand what drives these fast-moving markets, this is essential viewing. 0:00 — Introduction: Townsville's 80-100% growth explained3:07 — The $700K scheme cap driving Townsville's "second wind"6:06 — $35K entry strategy making first home buyers competitive8:32 — Flip play warning: How to spot overpriced properties9:22 — Flood zone trap: The hidden cost that kills your returns14:29 — Mackay & Rockhampton: Why mining towns are risky16:59 — Boom-bust lessons from Gladstone, Moranbah & Port Hedland HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

Sydney's 2000 Olympics saw property prices surge 60% in the lead-up, nearly double the national average. Now Brisbane is next. In this episode, Steve Ash breaks down exactly what happened before and after the Sydney Games, and how those same patterns could play out for Brisbane 2032. From the M4 extension transforming Western Sydney to suburbs like Auburn and Parramatta outperforming, history reveals a clear playbook for Olympic city investing. Whether you're a first home buyer or seasoned investor, this is the Brisbane Olympics thesis you need to understand. 0:00 – Sydney Olympics saw 60% property growth - could Brisbane repeat it? 5:06 – The suburbs that outperformed: Auburn, Parramatta, Ryde 7:00 – Brisbane's major projects: Cross River Rail, Victoria Park Stadium 9:29 – The specific suburbs Steve is watching for Brisbane 2032 11:38 – Why Petrie is a sleeper suburb (22km north with fast train access) 12:25 – Logan's transformation: from affordable to almost million-dollar suburbs 13:45 – Key difference: Brisbane has tighter stock and lower vacancy than pre-2000 Sydney 16:11 – Walking the suburbs: Brisbane's transformation from sleepy town to vibrant city 19:08 – Regional venue spread — why Brisbane could outperform Sydney's model If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

Steve Ash sits down with Kurt to reveal why Trinity Beach has emerged as the standout opportunity, with median prices hitting $1M after starting at $500K in 2019, while southern suburbs like Edmonton surged 88% in the same period. Discover why the price gap is closing, what $750K can buy you in Trinity Beach today, and why this landlocked coastal corridor between the rainforest and reef is attracting Melbourne investors fleeing traffic for 20-minute commutes. From supply constraints and rental market tightness (40+ groups competing for properties) to strategic suburb picks like Smithfield, Kewarra Beach, and Palm Cove, this episode breaks down exactly where to invest in a market that still has room to grow. 0:00 - Introduction: Why We’re Deep Diving Cairns 1:28 - Interstate Migration Boom: Melbourne to “Keen Time” 2:05 - Infrastructure Advantage: 7th Biggest Airport, 10 Flights Daily 3:03 - Supply Crisis: Northern Beaches Landlocked Between Rainforest & Reef 3:48 - The Price Gap Is Closing: Trinity Beach vs Edmonton Growth Comparison 4:12 - Trinity Beach: $500K to $1M (58% Growth vs Edmonton’s 88%) 5:08 - Population & Visitor Economy: 300K Region + 50K Daily Tourists 9:16 - Rental Market Reality: 40+ Groups Competing Per Property 14:22 - Where To Buy With $750K: Trinity Beach 3x2 Strategy 15:25 - Suburb Breakdown: Smithfield, Kewarra Beach, Palm Cove Options 16:22 - Why Trinity Beach Over Other Suburbs: 2019 Benchmark Analysis 18:09 - Cairns vs Other Regional Markets: Still Room To Grow 18:37 - Kurt’s Own Investment: $695K to $800K in 10 Months If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode, Steve and Theo break down exactly where to buy in Melbourne in 2025 - whether you're working with under $700k or ready to invest above that mark. From infrastructure upgrades transforming affordability zones to gentrification plays in established southeast suburbs, this episode reveals the exact suburbs, growth rates, and yield expectations for serious portfolio builders. Whether you're scaling with budget-conscious buys or looking for set-and-forget quality assets, Steve and Theo deliver the on-ground intel that data can't show you. 0:00 - Above & Below $700K Melbourne Strategy 1:07 - Melton: 5-10% Growth in 2025 2:23 - 2027 Rail Upgrade Changing Everything 3:12 - Population Doubling to 440K by 2050 3:37 - Best Melton Suburbs: Kurrajong, Harkness, Melton West 4:58 - Melton South: 8.1% Growth Over 10 Years 5:58 - Yields, Vacancy & Subdivision Potential 7:19 - Narre Warren: $780K & Selling in 25 Days 15:18 - Supply Crisis: Agents Struggling to Find Stock 17:34 - Days on Market at 25: The Competition is Fierce 19:37 - 45KM from CBD: Why Distance Doesn't Matter 21:23 - Final Verdict: Where to Buy Now If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/ #MelbourneProperty #PropertyInvesting #NarreWarren #MeltonVictoria #AustralianRealEstate

Steve Ash breaks down EXACTLY how Brisbane's new 5% deposit scheme is reshaping the property market—and where savvy investors should be looking right now. With the cap raised to $1M and zero LMI, first-time buyers can enter the market with just $36K closing costs on a $700K property. But this isn't just about first-home buyers—Steve reveals the specific Brisbane suburbs set to surge as thousands of new buyers flood these price points. 0:00 - Introduction: 5% Deposit Scheme Announced October 1st 0:55 - The Numbers: $700K Property for Only $36K Closing Costs (No LMI) 3:00 - The 12-Month Occupancy Rule You Can't Bypass 3:53 - Investor Strategy: Where to Target Under $700K for Maximum Demand 6:40 - Brisbane Market Timing: Olympics & Steady Growth Forecast 7:15 - Top Suburb #1: Redlands Bay Region (Alexandra Hills $905K, Capalaba $922K, 4% Yields) 8:05 - Top Suburb #2: Springfield Lakes & Premium Logan Areas ($800K Sweet Spot) 8:49 - Top Suburb #3: Moreton Bay—North Lakes, Griffin ($750K→$850K in 12 Months) 9:35 - Kalinga's Rezoning Opportunity: 21-25m Build Height Near Station If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode of My Next Property, Steve Ash breaks down how Melbourne's first-time buyer scheme is creating explosive opportunities across Victoria with minimal entry barriers. Steve reveals why Melbourne is the ultimate value play right now - with zero stamp duty on properties under $600K and no LMI up to $950K, first-time buyers can enter the market with just $31,200 in closing costs. He exposes exactly where to buy as Melbourne shows green shoots after years in the doldrums. 0:00 - Introduction: Melbourne's $950K First Time Buyer Game-Changer 1:20 - The Policy Breakdown: Zero Stamp Duty Up to $600K Explained 2:25 - Exact Closing Costs Revealed: $31K, $42K & $84K Entry Points 4:33 - What We're Seeing: 50 Groups at Werribee & Cranbourne Opens 6:37 - The Werribee Play: $550K House on 420m² Land 7:14 - Melton's Explosive Growth: High $500Ks Now $600K+ 8:12 - Point Cook's $150K Jump: $650K to $720K in 6 Months 9:35 - Frankston's Second Wind: Bayside Lifestyle Under $950K 10:57 - Why Melbourne Is Brisbane 2019: The Cycle Reversal If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/ #melbourneproperty #FirstHomeBuyer #propertyinvesting

Steve Ash breaks down how Sydney's new first-time buyer scheme is igniting dormant property markets across New South Wales. With no deposit limits up to $1.5M and zero stamp duty on properties under $800K, first-time buyers now have unprecedented leverage to enter the market. Steve reveals which Sydney suburbs are positioned to explode, why units are trading at a historic 68% discount to houses, and the exact closing costs at every price point. If you're a first-time buyer or investor looking to capitalise on Sydney's market shift, this episode reveals the exact areas, price points, and strategies to maximise the new policy. 0:00 - Steve's $80M Strategy: Third-Episode First Home Buyer Series 0:23 - The $1.5M Game Changer: NSW First Time Buyer Policy Breakdown 1:22 - Exact Closing Costs Revealed: $31K at $600K to $55K at $900K 2:18 - CRITICAL: 12-Month Occupancy Rule (How They'll Catch You) 3:22 - Sydney's Reality Check: Why $1.5M Buys Nothing in Houses 3:47 - EXPLOSIVE: Sydney's Historic 68% Unit Discount vs Houses 4:54 - Western Sydney Gold: Belmore, Lakemba & Punchbowl ($600K-$750K) 6:29 - The Belmore Blueprint: 5.5%+ Yields That Build Portfolios 6:52 - Why Past 10-Year Performance Misleads Future Returns 8:04 - Northern Beaches Strategy: $1M Waterfront Boutique Units 9:08 - Central Coast Play: Hybrid Work Creates Newcastle Opportunity 9:59 - Market Prediction: Which Suburbs Hit Double-Digit Growth If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/ #SydneyProperty #FirstHomeBuyer #PropertyInvesting #AustralianRealEstate #SydneyUnits

In this episode of My Next Property, Steve Ash and Tommy Clarke dive deep into two explosive Melbourne property opportunities sitting above and below the $700K mark. Steve breaks down why Point Cook is one of the most undervalued suburbs in Australia right now, predicting 40-50% growth over the next 5 years - while Tommy reveals why Lara in Geelong is the perfect 2026 play for savvy investors. 0:00 - Introduction: Melbourne’s $900K Stamp Duty Game-Changer Coming October 1st 2:00 - Why This Stimulus Will Rocket Fuel Melbourne’s Middle Ring Suburbs 4:25 - Point Cook Deep Dive: Steve’s Bold 40-50% Growth Prediction 6:40 - The Devil’s Number: Why 66.6% Owner-Occupier Rate Actually Signals Opportunity 8:15 - Supply Myth Busted: Why Point Cook Has Zero New Development Threat 10:05 - Days on Market Dropping Fast: The Perfect Entry Window 11:40 - Infrastructure Play: Westgate Tunnel & Williams Landing Rail Connection 12:03 - The Sydney Comparison: Kellyville at $2M+ vs Point Cook at $780K 14:16 - Victorian Tenancy Laws: Why Newer Properties Beat Older Stock for Investors 16:09 - Lara Geelong: Tommy’s 2026 Sleeper Hit Explained 18:00 - Geelong’s Economic Powerhouse: $20B GDP & 10% of All Regional Migration 19:18 - Lara vs Werribee: Better Socioeconomics, Only 10 Minutes Further 22:32 - The Sweet Spot: $600-650K Properties Yielding 4.5% in Lara 25:16 - Geelong as “The Next Newcastle”: Why This Regional Hub Follows Sydney’s Playbook 26:32 - Off-Market Gold: $1.2M Unit Block with NDIS Tenants & 4-Year Lock-In If you're ready to build a serious portfolio, remember to Subscribe! HOW CAN I HELP? 🏠 Request Your FREE Strategy Session 👉 ⁠https://www.propertystrats.com.au/request-a-free-strategy-session/ 🏠 My Buyer's Agency 👉 ⁠https://www.propertystrats.com.au/

In this episode, Steve and Tom break down the exact three-step blueprint that built Steve's $18 million property portfolio from scratch. This isn't theory, it's the real framework used by everyday investors to create serious wealth through residential property. They deconstruct the Foundation Principle (getting your first 4 properties), the Acceleration Principle (scaling to $7.6M in 10 years), and the Diversification Principle (pivoting to commercial for passive income). Learn why boring beats flashy, how to use different lending tiers strategically, and why the right market timing matters more than perfect execution. Whether you're aiming for $4M or $25M, this episode shows you the exact math, mindset, and milestones needed to get there. 0:00 - Introduction: The $18M Portfolio Challenge 1:43 - Why High Earners Have Zero Net Worth (The Paycheck Trap) 5:41 - Step 1: Foundation Principle - Building Your First $2M in 10 Years 8:10 - The 5-Year Grind: Saving Your First $100K Deposit 12:01 - Rent-Vesting Strategy: Why Your Dream Home Kills Wealth 15:10 - Tier 1, 2, 3 Lenders Explained: Unlocking Hidden Borrowing Power 17:22 - The $1M Decision: Why 2% Extra Interest Rate Doesn't Matter 20:00 - Holding for a Full Cycle: The Power of Doing Nothing 22:40 - Step 2: Acceleration Principle - $2M to $7.6M Portfolio Growth 24:31 - Strategic Team Building: Broker, Accountant & Timing 28:53 - Why Property Doubles in 7-10 Years (Market Cycle Mechanics) 31:00 - Developments vs Set-and-Forget: The Numbers Don't Lie 35:10 - Step 3: Diversification Principle - Scaling to $23M with Commercial 39:00 - Breaking Down the Numbers: $10M Equity After 20 Years 42:16 - The 10-Year Exit Strategy: $100K Passive Income at Age 35 44:13 - Commercial Property Cashflow: 6.5% Net Yields Explained 47:10 - Final Framework Recap: Foundation → Acceleration → Diversification 49:07 - Why Boring Established Properties Always Win