Property Investment, Success & Money | The Michael Yardney Podcast

If you've been wondering whether Australia's housing boom still has legs, or if we've already hit the peak of this cycle, then today's episode will give you the clarity you've been looking for. Because, according to Dr Andrew Wilson, home prices across our capital cities accelerated again in October — marking the strongest monthly growth in nearly four years. Now, this kind of broad-based growth might surprise some commentators who've been predicting a slowdown. But as Andrew points out in his latest House Price Report, the combination of lower interest rates, improved affordability, and chronic undersupply continues to fuel strong buyer demand — particularly in markets where stock remains scarce and confidence is returning fast.   Takeaways  ·         Most Australians focus on short-term financial concerns. ·         Interest rates and media headlines distract average investors. ·         Property markets have performed more strongly than expected this year. ·         All capital cities reported higher property prices recently. ·         Brisbane's unit market has seen significant growth. ·         Fear of missing out is influencing buyer behavior. ·         The national house price has increased by 8.3% over the past year. ·         Strong fundamentals are supporting ongoing price increases. ·         The housing market is expected to remain active in the coming months.   Chapters  02:08 - Australia's Strongest Price Growth in Four Years  04:38 - Did the Reserve Bank Cut Rates Too Soon?  07:18 - How the Data Really Measures Monthly Price Trends  08:01 - House Prices Surge Nationwide — The Boom Returns  11:40 - Brisbane Leads as Units and Houses Break New Records   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au •    Win a hard copy of Michael Yardney's Guide to Investing Successfully •    Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here     Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. 

Are you in your 20s and just starting out, in your 40s and hitting your peak earning years, or in your 50s and wondering how to secure your financial future?   No matter where you are in life, your property investment strategy needs to evolve with you. Too many investors treat property as a one-size-fits-all game – and that's why half of all new property investors sell up within five years.   In today's episode, I'm joined by Brett Warren, National Director of Property at Metropole, to talk about how to invest wisely at every age and stage of life – and the timeless fundamentals that apply no matter when you begin.   We also outline the four distinct stages of property investment and provide insights on achieving financial freedom.   Whether you're starting out or consolidating for retirement, this conversation will help you plan smarter and avoid the mistakes most investors make.   Takeaways  ·         Investing in property is a long-term journey, not a transaction. ·         Different life stages require different investment strategies. ·         Education and financial literacy are crucial for success. ·         Having a strong team of advisors is essential. ·         Avoid emotional buying and focus on long-term growth. ·         Understand the importance of capital growth over cash flow. ·         Recognize the common mistakes made by investors at various stages. ·         Time in the market is more important than timing the market. ·         Establish a financial buffer to weather market cycles. ·         Success in property investment leads to financial freedom and choices.     Chapters  02:27 - Core Fundamentals: Education, Strategy and the Right Team  08:42 - Myths, Contrarian Views and the Role of AI in Data  13:04 - In Your 20s: Time Advantage, Rentvesting and First Home Buyer Grants  19:22 - In Your 30s–40s: Career Growth, Family Needs and Investment Choices  25:18 - In Your 50s: Peak Earnings, Equity Use and Diversification Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing ·        Everyone wins a copy of a fully updated property report   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here      Brett Warren - National Director of Property at Metropole     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you ever felt like the classic Aussie dream -  you know, owning your home, maybe a few investment properties, and creating a secure future for your family -  is getting harder to reach? You're not alone. Today, I'm joined by Mark Matson – a renowned American entrepreneur, wealth educator, and author of Experiencing the American Dream. Now, before you switch off at the phrase "American Dream" – I get it – this isn't a US flag-waving episode. In fact, Mark's message is about something we all care about: taking control of your financial future, transforming your mindset around money, and aligning your wealth with your life's purpose.   We discuss the psychological aspects of wealth, the impact of media on mindset, and the necessity of shifting from a scarcity to an abundance mentality.   The dialogue also addresses common investing myths, the significance of problem-solving in financial decisions, and the distinction between being rich and being fulfilled.     Takeaways  ·         The Australian dream of home ownership is becoming harder to achieve. ·         The American dream is evolving and is not solely materialistic. ·         Money cannot buy happiness; purpose does. ·         A scarcity mindset limits financial growth and opportunities. ·         Private property is essential for entrepreneurship and wealth creation. ·         Investing requires understanding and a long-term perspective. ·         Problem-solving is crucial in financial decision-making. ·         Many wealthy individuals are not fulfilled or happy. ·         Finding a personal purpose can lead to a more meaningful life. ·         We live in unprecedented times of opportunity and prosperity.     Chapters  02:02 - Mark Matson's Journey and Global Investing  03:33 - Redefining the American Dream Beyond Money  06:32 - Media Fear vs. Living in the Best Time in History  08:01 - Why Money Alone Can't Bring Happiness  12:36 - Scarcity Thinking and the Power of Abundance   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Mark Matson – Founder of Matson Money  https://www.linkedin.com/company/matson-money/   Mark Matson's book :Experiencing The American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life https://www.amazon.com.au/Experiencing-American-Dream-Invest-Extraordinary/dp/1394262043   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In today's show, Simon Küstenmacher and I discuss the dynamics of our property markets, with a particular focus on the trend of downsizing among baby boomers.   We examine the emotional and financial factors that influence this demographic's decision-making, the impact of government policies on the housing market, and the implications for younger generations seeking family homes.   Simon mentions the need for better housing options and incentives to facilitate downsizing, ultimately aiming to create a more sustainable housing market.   Takeaways  ·         Baby boomers are hesitant to downsize due to emotional attachments. ·         Downsizing can provide financial freedom and reduce stress. ·         Government policies can incentivize downsizing through tax reforms. ·         Emotional attachments to family homes complicate downsizing decisions. ·         Financial disincentives like stamp duty hinder downsizing. ·         Younger generations are affected by baby boomers not downsizing. ·         Demographic trends shape the future of housing markets. ·         Rethinking housing options is crucial for supporting aging populations. ·         Real fortunes in property are made before the boom. ·         Luck rewards the prepared investor.     Chapters  00:00 - Baby Boomers Hold Onto Big Homes  02:09 - Downsizing Trend Overstated in Australia  05:18 - Emotional Ties Block Downsizing Decisions  10:43 - Financial Disincentives: Stamp Duty and Pensions  16:32 - Wealth Concentration Among Baby Boomers  24:46 - Policy Fixes: Kill the Stamp Duty to Unlock Moves   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Every entry receives a copy of a fully updated Michael Yardney Property Report   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group     Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today I'm joined by Stuart Wemyss, a highly respected financial advisor and author who recently distilled everything he's learned about property creation through wealth into what he calls the 4 Golden Rules of property investing. If you've been paying attention to the property market lately, you'll know there's no shortage of advice out there – some good, some… not so good. But in today's episode of the Michael Yardney podcast, we cut through all the noise so you can base your decisions on decades of real evidence, proven strategies, and a few timeless principles? These aren't gimmicks or quick fixes. They're powerful principles grounded in data – and they've stood the test of time. Whether you're just starting out or looking to fine-tune your property portfolio, you're going to get plenty of practical insights from this conversation.   Takeaways  ·         Focus on capital growth before income in property investment. ·         Understanding property cycles can fast track investment success. ·         Investment-grade properties are crucial for long-term growth. ·         The math behind property investment is essential for success. ·         Future buyer capacity influences property demand and value. ·         Evidence-based investing helps cut through mixed messages. ·         Location and land value are key to capital growth. ·         Timing the market is less important than time in the market. ·         Investors should be cautious of unrealistic return expectations. ·         A multifaceted approach to financial planning enhances investment outcomes.   Chapters    00:00 The Rise of AI and Its Implications 01:36 Introduction to Rules-Based Investing 04:15 The Four Golden Rules of Property Investing 07:03 Understanding Investment Grade Properties 12:01 Navigating Property Cycles 17:17 The Mathematics of Property Investment 23:00 Future Buyer Capacity and Demand   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Michael Yardney – Subscribe to my Property Update newsletter here    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Stuart Wemyss – Prosolution Private Clients   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Let me ask you something—are you in your 40s, 50s, or 60s and wondering, "Is this it?" Maybe you're juggling ageing parents, adult kids, and still trying to figure out where you fit in this next chapter of your life. Well, midlife isn't a meltdown—it's a moment of truth. And in today's conversation with Louise Bedford, we explore how you can turn this period into a launchpad for purpose, profits, and powerful decisions. We talk about why Gen X is more financially vulnerable than they realise, how your best years might still be ahead, and how to align your wealth-building efforts with meaning. So whether you're feeling a little stuck or ready for reinvention, stick with us. You might discover the second half of your life is where the real magic happens.   Takeaways  ·         Midlife can be a challenging time for Gen X individuals. ·         Perfectionism can hold you back from taking action. ·         Investing requires a mindset shift, especially in midlife. ·         Building a wealth strategy is crucial for financial independence. ·         AI can provide data, but understanding the market requires more than just information. ·         Overcoming inertia is key to making progress in midlife. ·         Balancing responsibilities as a sandwich generation can be difficult. ·         Planning for the future is essential, including estate planning. ·         Individuation is a process that can lead to personal growth. ·         Finding fulfillment goes beyond financial success.     Chapters  00:00 - Introduction to the challenges faced by Gen X, the sandwich generation. 05:12 - Discussion on financial mistakes and the importance of planning for retirement. 10:45 - The psychological aspects of trading and investing. 15:30 - The role of mindset in achieving financial independence. 20:50 - The importance of having a strategy in property investment. 25:15 - The significance of individuation and personal growth in midlife. 30:40 - The role of mentors and support systems in financial success.   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing and a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Louise Bedford – The Trading Game   Louise's new book Investing Psychology Secrets     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. 

Thinking about selling your investment property? Wondering if leases still protect you these days? Or maybe you've heard AI and inspection managers are taking over property management?   In today's show, I sit down with Leanne Jopson, Director of Property Management at Metropole, to answer the five most common questions investors ask her.   Leanne and her team speak with hundreds of investors every week, and the same questions keep cropping up, so we unpack those questions and provide you with the answers straight from the front line of property management.   Whether you're a seasoned investor or just starting out, I think you'll find today's discussion could save you money, stress, and sleepless nights.   Takeaways  ·         Investors need to ask 'why' before selling properties. ·         AI is enhancing property management efficiency. ·         Leases provide a framework for tenant security. ·         Tenant selection is crucial for long-term success. ·         Property management is about strategy, not just rent collection. ·         Understanding market dynamics is essential for investors. ·         Professional property management can prevent costly mistakes. ·         Investors should consider the total cost of selling a property. ·         The average length of tenancy is increasing. ·         Property management fees vary based on service quality.     Chapters    01:32 - Why Investors Are Thinking of Selling 04:36 - Getting Independent Advice Before Selling 09:38 - Are Leases Still Worth It? 14:24 - How AI Is Changing Property Management 18:38 - The Real Cost of Cheap Property Managers   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of What Every Property Investor Needs to Know About Finance, Tax and the Law. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond     Leanne Jopson- National Executive -  Property Management at Metropole   As Metropole specialises in property management our vacancy rate is considerably below the market average, our tenants stay an average of 2 years and our properties lease 10 days faster than the market average. Click here to see how we can help you.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today, Simon Kuestenmacher and I discuss a topic that's at the heart of the "Great Australian Dream": homeownership. For over a century, owning your own home was not just a rite of passage—it was an expectation. But that dream is slipping further out of reach for millions of Australians, particularly younger generations. We discuss the evolving landscape of homeownership in Australia, tracing its historical roots and examining the current challenges faced by younger generations.   We examine the impact of demographic shifts, migration, and investment trends on homeownership rates, as well as the growing trend towards renting.   The conversation highlights the complexities of housing affordability and the systemic issues that need to be addressed to ensure a fair chance for all Australians in the property market.   Takeaways  Homeownership in Australia is becoming increasingly unattainable for younger generations. Historical peaks of homeownership have been followed by significant declines. Demographic shifts, including education and migration, are impacting homeownership rates. The average age of first home buyers is rising due to economic pressures. Government policies are often short-term solutions rather than systemic changes. The divide between asset-owning and non-asset-owning families is widening. The 'bank of mom and dad' plays a crucial role in homeownership. Renting is likely to become the norm in Australia.   Affordability issues are compounded by rising property prices and construction costs. A comprehensive approach is needed to address housing affordability for future generations.   Chapters  01:48 – Homeownership Dream Slipping Further and Further 09:24 - Different Levels of Homeownership 09:20 – Peculiarities of Life in Inland Cities 13:31 – The Cost of New Construction Become Even Worse 17:45 – Projects in Australian Rental Landscape 21:49 – First Home Buyer Schemes 23:37 – Final Thoughts     Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing Successfully ·         Every entry receives a copy of a fully updated Michael Yardney Property Report   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

If you've ever tried running a business—or even building a property portfolio—with your partner, you'll know it can be both incredibly rewarding and, at times, incredibly stressful.   The kitchen table becomes a boardroom, the bedroom becomes an office, and before you know it, every day feels like Groundhog Day.   But it doesn't have to be that way.   Today's show won't focus on property, but on the challenges and benefits of being in business with your life partner or spouse.   Joining me are Mark Creedon, together with his wife Caroline, who have been married for 19 years and in business together for 15.   And they will share the key lessons they've learned about how couples can thrive together in business and in life.   Takeaways  ·         Being in business with your partner can be rewarding but challenging. ·         Clear communication is essential to avoid misunderstandings. ·         Couples often face role blurring in their business dynamics. ·         It's important to have a shared vision to align goals. ·         Regular check-ins can help maintain emotional health in business. ·         Structure in meetings can prevent conflicts and enhance productivity. ·         Understanding each other's strengths can improve collaboration. ·         Setting boundaries between work and personal life is crucial. ·         Workshops can provide actionable insights for couples in business. ·         Accountability between partners can strengthen their relationship.     Chapters    01:58 - Couples in Business: Rewards and Real Challenges 06:32 - Groundhog Day: Misalignment, Roles and Communication Cycles  10:42 - Strengths Audit, Structure and Finding the Right Rhythms  15:26 - Boundaries, Emotional Insight and Shared Accountability  19:43 - Reset Ritual, Shared Vision Map and Tools for Alignment   Links and Resources: Don't miss the Aligned and Empowered for Couples in Business Workshop. It's happening on Saturday, October 18th, 2025, at the View Hotel Hamilton in Brisbane, from 9 am to 4:30 pm. Mark and Caroline will walk you through practical strategies to help you reconnect, realign, and thrive together. You'll walk away with tools to strengthen your relationship, grow your business, and even find time for more date nights and laughter along the way. Head to couples-in-business.com to book your place. https://keap.page/in970/couples-in-business.html   Let Mark and Caroline Creedon help you build a business, not a job, so you can enjoy the time freedom and lifestyle choices you desire, without killing yourself in the process, by joining Mastermind Business Accelerator. Find out more here. https://metropolemastermind.com.au/   Subscribe to Mark Creedon's Mastermind For Business Podcast on your favourite podcast App or here. https://www.mastermindforbusiness.com.au/   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law ·        Everyone wins a copy of a fully updated property report   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Three rate cuts this year have clearly lit a fire under our property markets. Affordability has improved, confidence is back, and the spring selling season is heating up. It's not just houses making gains - unit prices have now risen for eight straight months. Brisbane and Adelaide are leading the charge, while Melbourne is quietly staging a comeback. Today I'm joined by Dr Andrew Wilson, and we'll dig into the latest numbers. And to help you get clarity amongst the many mixed messages in today's housing markets, we're going to discuss what's driving our housing markets, and will this continue now that the RBA is likely to put rate cuts on hold for a while.   Takeaways  ·         Affordability in property markets has improved significantly. ·         Confidence is returning to the property market, leading to increased sales. ·         Investors should look for areas with strong fundamentals for future growth. ·         Successful property investment requires strategic advice and education. ·         The current market is characterized by a fear of missing out (FOMO) among buyers. ·         Interest rate cuts have contributed to market momentum. ·         Regional markets like Brisbane and Darwin are showing strong growth. ·         Economic factors such as low unemployment and retail sales are supporting the housing market. ·         The spring selling season is expected to drive further price increases. ·         It's not too late to invest in property, but timing and asset choice are crucial.     Chapters  01:22 - National House Prices Keep Rising for Seven Months Straight  05:15 - Brisbane, Darwin and Adelaide Lead Quarterly Growth  09:09 - Unit Markets Strengthen, Brisbane Up Nearly 50% in Two Years  11:42 - Inflation Pressures Return as Energy Subsidies Wind Back  13:02 - Spring Selling Season and Melbourne's Prestige Market Revival Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of What Every Property Investor Needs to Know About Finance, Tax and the Law. ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Australia's housing market is at a crossroads. For first-home buyers, the dream of ownership has never felt further away – with deposits taking more than 8 years to save and mortgage repayments eating up over half of disposable incomes. Yet, at the same time, buyer demand is powering ahead, clearance rates are hitting multi-year highs, and spring is shaping up to be supercharged. How can both of these things be true? And what does it mean for you – whether you're buying, renting, or investing? Today I'm going to sit down with Dr. Nicola Powell, Domain's Chief of Research and Economics to unpack their latest affordability report and market insights. Today's episode of the Michael Yardney Podcast is a conversation you don't want to miss if you want to get some clarity on what's going on in our housing market.   Takeaways  ·         The typical household now takes longer to save for a deposit. ·         First home buyer grants are changing the market dynamics. ·         Younger Australians are facing significant barriers to home ownership. ·         Affordability is reshaping buyer demand and preferences. ·         There is a notable shift towards multi-generational living arrangements. ·         Auction clearance rates indicate a positive market momentum. ·         The rental market remains competitive for tenants. ·         Days on market for properties are stretching in some areas. ·         Investors are returning to the market with confidence. ·         Market conditions are uneven across different cities.     Chapters  02:05 - Affordability Crisis: Eight Years to Save a Deposit  04:29 - First Home Buyer Schemes Reshape Market Demand  05:53 - Generational Divide in Home Ownership Rates  08:38 - Buyer Search Trends: Granny Flats and Heritage Homes  13:33 - Supercharged Spring Market and Days on Market Shifts   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully.  Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Dr Nicola Powell, Chief of Research and Economics at Domain    Domain reports: 1.     Domain's key words and hotspot report. https://www.domain.com.au/research/this-springs-housing-buzz-top-keywords-homes-hotspots-1427073/     2.     Affordability at breaking point. https://www.domain.com.au/research/the-home-ownership-puzzle-affordability-at-breaking-point-1423719/   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Everyone was banking on another interest rate cut this year – but what if it never comes? In this month' Big Picture Podcast, Ken Raiss and I will unpack why the economy is running hotter than expected, and what that means for rates, housing, and your mortgage. We also explain how the Bank of Mum and Dad is helping nearly 1 in 5 first-home buyers who get financial help from their parents and what this means for housing affordability.   And we forecast how Australia's rental crisis is about to get worse as investors are leaving the market in record numbers at a time when the government has no way of achieving its big housing targets.   Takeaways  ·         The economy is running hotter than expected. ·         First home buyers are increasingly relying on parental support. ·         Government incentives are making it easier for first home buyers. ·         Investor sentiment is declining due to regulatory uncertainty. ·         The property market is expected to remain strong despite challenges. ·         Interest rates are a key factor in the housing market dynamics. ·         Strategic property investment is crucial for long-term success. ·         Times of uncertainty can create opportunities for informed investors.     Chapters  00:00 - Introduction and Overview 03:00 - Interest Rates and Economic Factors 09:00 - First Home Buyers and Family Support 15:00 - Rental Market Challenges 21:00 - Strategic Investment and Wealth Management   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing Successfully ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Michael Yardney   Get the team at Metropole to create a Strategic Property and  Wealth plan for your needs Click here and have a chat with us  https://metropole.com.au/enquiry/    Ken Raiss, Director of Metropole Wealth Advisory   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

In today's podcast, we are going to do something a little different. You see, one of the common questions I get asked is, "Michael, what's your net worth?" It's a question people are curious about—and I get why. However, rather than simply providing you with a number, I want to take you behind the scenes and share the principles, strategies, and mindset that have helped me achieve the financial freedom I enjoy today. We'll talk about the stages of wealth creation, the power of leverage, and the lessons I've learned—sometimes the hard way—over the last five decades in property. And joining me for this conversation is Brett Warren, Director at Metropole, who will turn the tables and ask me the questions many of you have been wondering about. And the intention of today's show is not to gloat, boast or show off, but to inspire you to build your own net worth.   Takeaways  ·         The pursuit of the easy often leads to more challenging tasks. ·         Wealth is not just about money; it includes health and relationships. ·         Net worth is a measure of financial health, not just income. ·         Investing is a long-term journey that requires patience and a strategic approach. ·         Leverage can be applied in various forms: time, relationships, mindset, and money. ·         Many investors focus too heavily on cash flow rather than asset growth. ·         A strategic plan is crucial for achieving success in property investment. ·         Mistakes in early investments can provide valuable lessons. ·         A positive mindset plays a crucial role in achieving financial success. ·         Surrounding yourself with successful individuals can accelerate your journey.   Chapters    00:00 Behind the Scenes of Financial Freedom 01:24 Understanding True Wealth 06:45 Stages of Wealth Creation 09:26 Common Misconceptions in Wealth Building 14:42 Learning from Mistakes 20:09 Mindset and Wealth Building 23:00 Taking Action Towards Wealth   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here      Brett Warren - National Director of Property at Metropole   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – look for Demographics Decoded wherever you are listening to this podcast and subscribe so that each week, we can unveil the trends shaping your future.

What if I told you that a $1 million property today could be worth $8 million in 30 years? Sounds unbelievable, right? It's the kind of projection that makes people question whether Australia's property market can really keep growing the way it has for the past 45 years. After all, with housing affordability constantly in the headlines and talk of "property bubbles," isn't 7% annual growth, meaning property value double every 10 years, a thing of the past? Today I'm joined by Stuart Wemyss, a respected financial advisor and author who has written an excellent blog unpacking this very topic: "Can annual property growth persist at 7%?"  It's a question he's been getting from clients, and the answer isn't as simple as yes or no. Today, we're going to explore what really drives property prices, whether growth at that rate is sustainable, and most importantly, what it means for you as a property investor in today's market.   Takeaways  ·         Property values have historically grown at about 7% annually. ·         Inflation has a significant impact on real property growth rates. ·         Not all properties will experience the same growth rates. ·         Affordability is a growing concern for first home buyers. ·         Regional markets have demonstrated resilience and growth during the COVID-19 pandemic. ·         Interest rates play a crucial role in property market dynamics. ·         Wealth transfer from baby boomers will impact property values. ·         Government incentives can create short-term price increases. ·         Investors should focus on locations with strong income growth. ·         Understanding market fundamentals is key to successful property investment.   Chapters    00:00 Understanding Property Value Growth 10:33 The Impact of Inflation on Property Prices 17:46 Regional vs. Capital City Property Markets 24:46 Factors Influencing Future Property Investments   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Michael Yardney – Subscribe to my Property Update newsletter here    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Stuart Wemyss – Prosolution Private Clients     Get a bundle of free reports and eBooks – www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Have you ever wondered why some property investors seem to build multi-million-dollar portfolios while others never get past their first property—or worse, sell up within five years? It's not about luck. It's not about earning six figures. And it's definitely not about being born into money. In today's podcast, I explore the common myths surrounding wealth creation and property investment with Brett Warren You'll learn that most people are trapped by money myths - false beliefs about wealth, investing, and financial security that sound logical but quietly sabotage their success. So we explore 15 of the most common wealth myths holding Australians back. If you're serious about building financial freedom, this episode will challenge the way you think about money and give you the insights to move forward with confidence.   Takeaways  ·         Many people are held back by limiting beliefs about money. ·         Taking action is crucial for financial success. ·         Financial independence requires understanding and planning, not just a high income. ·         Debt can be a tool for wealth creation if managed properly. ·         Investing is a process that requires strategy and knowledge. ·         Mindset plays a significant role in achieving financial goals. ·         There are always opportunities in the property market, regardless of timing. ·         Diversification can lead to average outcomes; focus on mastering one area first. ·         Home equity can be leveraged to invest in additional properties. ·         Having a support team can enhance your investment journey.   Chapters    00:00 Introduction to Wealth Myths 01:33 It Takes Money to Make Money 07:31 The Role of Education in Financial Success 12:49 Which Myths Hold Us Back 14:59 The Fear of Just Being Lucky 23:49 Are All the Good Investments Already Taken?27:42 The Myth That Everything Is Wrong 31:13 The Role of Mindset   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing ·         Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Brett Warren - National Director of Property at Metropole   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In today's show, Ken Raiss and I discuss the evolving landscape of retirement planning, emphasising that retirement is not an end but a new chapter that requires strategic investment and financial planning.   We look at what it means to keep your money working in retirement, how property investors should adjust — not stop — their strategy, and what you need to consider to maintain financial freedom and even grow your wealth in the years to come.   We discuss the importance of understanding longevity risk, the need for owning appreciating assets, and the role of property in retirement portfolios.   The discussion also covers common mistakes retirees make, the significance of teaching the next generation about wealth, and the necessity of having the right ownership structures to protect assets.   Overall, the conversation highlights the importance of proactive planning and adapting investment strategies to ensure financial security in retirement.       Takeaways  ·         Retirement is a new chapter, not an end. ·         Planning for longevity is crucial. ·         Investors often underestimate their asset needs in retirement. ·         Property can be a powerful investment tool. ·         Cash flow management is essential for retirees. ·         Inflation poses a significant risk to retirement savings. ·         Ownership structures can protect wealth. ·         Teaching children about investments is vital. ·         Avoid common mistakes like selling properties for managed funds. ·         Retirement requires a flexible and structured approach.   Chapters    00:00 The New Retirement Reality 04:16 Planning for Longevity 07:05 Investment Strategies for Retirement 09:26 The Importance of Asset Allocation 12:14 Debt Management in Retirement 14:46 Protecting Your Wealth 17:08 Common Mistakes to Avoid 19:53 Supporting the Next Generation 22:29 The Ongoing Investment Journey   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing Successfully ·         Every entry receives a copy of a fully updated Michael Yardney Property Report     Michael Yardney   Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us    Ken Raiss, Director of Metropole Wealth Advisory   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

In today's show Simon Kuestenmacher and I discuss the significant shift of millennials from urban living to suburban areas. We highlight how millennials are reshaping suburban culture while still valuing aspects of their urban lifestyles. This is a generation that once embraced city skylines, inner-city cafes, and the hustle of urban living, but is now packing up and heading for the burbs. But not for the white picket fence alone. We explore the reasons behind this migration, the changing dynamics of suburban life, and the challenges related to infrastructure and housing markets.   We also discuss the challenges faced by regional towns, the need for strategic planning to manage population growth, and the potential for revitalising communities through targeted migration and infrastructure development.     Takeaways  ·         Millennials are shifting from urban to suburban living, impacting housing markets. ·         Population growth is concentrated in major cities, leading to uneven development. ·         Regional towns face challenges due to aging populations and job shortages. ·         Revitalizing regional areas requires targeted migration and job creation. ·         A national demographic strategy is essential for managing population growth. ·         The two-speed economy creates social divides between urban and rural populations. ·         Infrastructure development is crucial for accommodating population growth. ·         Future planning must consider sustainable living and job opportunities in regional areas. ·         Understanding demographic trends is vital for future generations.     Chapters  02:08 Millennials: From Urbanites to Suburbanites 05:18 The Suburban Renaissance: Challenges and Opportunities 07:54 Infrastructure and Planning for the New Suburbs 10:58 Housing Market Dynamics: Millennials and Migration 14:17 The Future of Work: Hybrid Models and Urban Spaces 17:07 Government's Role in Suburban Development 20:20 Cultural Shifts: Millennials Redefining Suburban Life   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing Successfully ·         Every entry receives a copy of a fully updated Michael Yardney Property Report   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Australia's housing market is under pressure from many directions, but one of the most overlooked barriers is stamp duty. Once a relatively modest transaction cost, stamp duty has ballooned into one of the biggest financial hurdles for homebuyers. Just to give you an idea – in Sydney, stamp duty on a median-priced house has gone from around 45% of a household's disposable income in 2000 to 120% today. And it's not just buyers who are suffering. Stamp duty distorts housing decisions, locks people into homes that no longer suit them, and acts as a handbrake on productivity. Today, I'm joined by Dr Nicola Powell, Chief of Research and Economics at Domain, whose recent report makes a compelling case for replacing stamp duty with a fairer, broad-based land tax. Whether you're a property investor, a home buyer, or just somebody who's interested in the housing markets, I'm sure today's chat with Dr Nicola Powell will give you a new perspective as I also want to discuss their latest report on who has profited from property over the last few years.   Takeaways  ·         A growth mindset is essential for success in property investment. ·         Stamp duty presents significant financial barriers for home buyers and investors. ·         The burden of stamp duty has increased over time, affecting housing mobility. ·         Capital gains tax on family homes could discourage movement and exacerbate housing issues. ·         Stamp duty is economically inefficient, costing more in lost activity than it raises. ·         Housing misallocation is a significant issue in Australia, with many living in homes that exceed their needs. ·         Consumer confidence is a key driver of property market trends and price growth. ·         Longer holding periods for properties generally lead to greater capital gains. ·         Location plays a crucial role in property investment success. ·         Reform of stamp duty is necessary for improving housing mobility and economic productivity.     Chapters  01:58 Introduction 05:14 Australians Holding Their Homes for Longer 08:07 How Stamp Duty Deters People from Moving 09:56 The Inefficiency of a Stamp Duty 11:34 The Caveats of a Stamp Duty Reform 14:02 Recent Domain Report Results 18:35 The Confidence has Come Back into the Market   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing Successfully.  Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.     Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here   Dr Nicola Powell, Chief of Research and Economics at Domain  https://www.domain.com.au/news/author/dr-nicola-powell/   Domain's property profit and loss report:https://www.domain.com.au/research/profit-and-loss-report-1410018/ Domain's Stamp Duty suggestions: https://propertyupdate.com.au/stamp-duty-is-holding-australia-back-why-we-need-bold-reform/?   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

This winter has shaped up as the strongest property market we've seen in a long time, with strong buyer activity and rising confidence cutting through the usual seasonal slowdown. In today's show Dr. Andrew Wilson and I discuss how results have been far from uniform – Sydney is surging ahead with particularly strong performance, while conditions across the other capitals are more varied, reminding us just how segmented Australia's housing markets really are. We explore the impact of government initiatives for first home buyers, the performance of various regional markets, and the implications of inflation and interest rates on housing prices. The conversation concludes with an optimistic outlook for the housing market as it heads into the spring selling season.   Takeaways  ·         Interest rates have been cut, leading to increased buyer activity. ·         The property market is fragmented, with varying performance across regions. ·         Government schemes for first home buyers are expected to boost demand. ·         Brisbane is showing extraordinary growth in property prices. ·         Melbourne's market is recovering, particularly in the prestige segment. ·         Inflation concerns may impact future interest rate decisions. ·         The spring selling season is typically the strongest for property sales. ·         Lower interest rates are driving positive growth in the housing market. ·         The national median house price has seen consistent monthly rises. ·         Market conditions suggest a potential for double-digit growth in some areas.     Chapters  01:07 Introduction 01:45 Introduction to the Winter Property Market 04:02 Quarterly Median House Prices 09:57 Quarterly Median Unit Prices 13:02 First Home Owner Deposit Scheme 14:39 Property Values Forecast 17:14 Conclusions and Future Predictions   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing. ·          Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Michael Yardney – Subscribe to my Property Update newsletter here    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Today I'm joined by Ross Elli, a respected urban thinker and commentator, and we discuss something most politicians and planners are ignoring: the danger of concentrating 70% of Australia's population into just eight capital cities, and doing it without a real plan. We explore the challenges of infrastructure, the concept of the missing middle in housing, and the need for a national settlement strategy to address the growing population and its impact on quality of life.   Whether you're a property investor, policymaker, or simply someone sitting in bumper-to-bumper traffic wondering where it all went wrong, this episode of the Michael Yardney Podcast is going to challenge the way you think about growth, planning, and the future of our cities.   Takeaways  ·         Australia's population growth is concentrated in a few major cities. ·         High-density living does not necessarily reduce traffic congestion. ·         There is a significant gap in housing supply and demand. ·         The concept of the 'missing middle' in housing is contentious. ·         Infrastructure development has not kept pace with population growth. ·         Regional centers can offer a better quality of life than major cities. ·         Government policies need to address urban planning holistically. ·         Decentralization strategies have not been effectively implemented in Australia. ·         Community opposition often hinders new housing developments. ·         A national settlement strategy is essential for sustainable growth.   Chapters    00:00 The Urban Dilemma: Population Growth and Infrastructure 07:31 The Myths of Density and Urban Planning 12:38 The Missing Middle: Densification Challenges 17:55 Regional Opportunities: Rethinking Settlement Strategies 23:08 Decentralization: Lessons from the Past 28:18 Future Visions: A Balanced Australia   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·         Win a hard copy of Michael Yardney's Guide to Investing. Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.   Michael Yardney – Subscribe to my Property Update newsletter here.   Ross Elliott –  Urban Development Thought Leader. https://www.rosselliott.com.au/   Subscribe to Ross Elliott's blog here. https://thefingeronthepulse.blogspot.com/   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.