The Michael Yardney Podcast | Property Investment, Success & Money

Today Brett Warren and I look at the key trends and challenges our property markets experienced in  2024 and share our outlook for 2025. We reflect on the unexpected resilience of the market despite rising interest rates, the influence of government policies on property investors, and the importance of demographic shifts. Takeaways The property market showed unexpected resilience in 2024. Government policies had a profound impact on property investors. Interest rates are expected to fall in 2025, and this will usher in the next phase of the property cycle. Quality properties will be in high demand as the market shifts. Demographic shifts will influence property demand and supply. Investors play a crucial role in providing rental housing but does the government recognize this . A strategic plan is essential for long-term investment success. First home buyers made up around 20% of all property transactions last year. Understanding market trends is vital for making informed investment decisions. Chapters 00:00 Reflecting on 2024: Trends and Surprises 04:06 Government Policies and Market Dynamics 06:57 Resilience in the Housing Market 10:00 Challenges for Property Investors 11:40 Looking Ahead: Key Trends for 2025 14:25 Demographic Shifts and Market Opportunities 17:08 Navigating Risks and Pitfalls in 2025 19:56 Summarizing 2024 and Future Strategies 24:31 The Power of Attitude and Change 25:30 Navigating Life's Winters 26:26 Becoming Stronger, Wiser, and Better 28:48 Special Offers and Resources for Listeners Links and Resources:   Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Brett Warren - National Director of Property at Metropole   Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Collect your bundle of free eBooks and property reports – www.Podcastbonus.com.au  Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: What You Need to Know About the Property Market Before 2025 Really Hits with Brett Warren 

What’s ahead for property in 2024? In today’s show I chat with Dr. Andrew Wilson who shares his expert analysis, highlighting which cities are poised for growth and which might hit a plateau.  Together, we explore the various economic factors likely to influence our housing markets in the year ahead. Takeaways • The property market is influenced by various economic factors. • Interest rates are expected to remain stable in the near future. • Affordability will be a key consideration for buyers in the year ahead. • Consumer confidence plays a crucial role in property market dynamics. • Melbourne's market is currently undervalued compared to other cities. • Migration continues to impact housing demand positively. • Brisbane, Adelaide, and Perth show strong growth potential. • Understanding the unique characteristics of each market is essential for investors. Chapters 00:00 Forecasting the Housing Market for the New Year 00:30 Insights from Property Experts 00:58 Understanding Market Influences 01:36 2024 Property Market Overview 07:35 Economic Factors Influencing Property Markets 13:33 Regional Market Dynamics and Affordability 19:46 Melbourne's Unique Market Challenges 23:30 Forecasting the Future of Property Markets 28:26 Understanding Market Trends   Links and Resources:    Michael Yardney    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Property Forecasts, State by State from Dr. Andrew Wilson  

It’s a popular catchphrase among politicians and policymakers: “Build more apartments, and we’ll solve the housing crisis.”  It sounds simple—almost too simple. And that’s because it is!   The idea that just increasing supply, particularly through apartment construction, will make housing affordable fails to grasp the true complexities of Australia’s housing market.   In reality, building more apartments is far from the magic bullet many hope it to be, and in some ways, it could even make the situation worse.   In today’s episode, I discuss the complexities surrounding the housing affordability crisis in Australia with Brett Warren.   We challenge the notion that simply building more apartments will solve the issue, emphasising the need for quality housing that caters to various demographics.   We explore the role of government policies, the challenges faced by the construction industry, and the importance of understanding market dynamics for property investors.   The episode wraps up with insights on future housing trends and investment strategies.  Takeaways          Building more apartments isn't a simple solution to housing affordability.        Quality of housing is more important than quantity.        Demographic shifts are influencing housing needs and preferences.        Government policies need to align with actual housing demands.        The construction industry faces significant challenges that impact housing supply.        Investors should focus on established properties rather than new apartments.        Understanding market dynamics is crucial for successful property investment.        The housing crisis is expected to persist for several years.        Stricter regulations are needed to ensure quality in construction.        Opportunities exist in the market despite current obstacles.   Chapters 00:00 Introduction to Housing Affordability Challenges 00:28 The Myth of Building More Apartments 01:23 The Housing Crisis: A Complex Issue 11:09 Understanding Supply and Demand in Housing 21:32 The Future of Housing: Challenges and Opportunities 25:11 The Miracle of Existence 28:16 Introduction to Real Estate Investment 28:17 Understanding Market Trends and Analysis   Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Why Building More Apartments Won’t Solve the Housing Affordability Crisis, with Brett Warren 

Today, I discuss Australia’s housing crisis in Australia with Brendan Coates, the Housing and Economic Security Program Director at the Grattan Institute.   We explore what’s really driving the housing crisis, the impact of migration and tax policies, and why simply building more homes may not be the silver bullet many think it is.   We also get Brendan’s insights on how we can create a fairer, more sustainable housing market for all Australians.  Our conversation also covers the expectations of first-time home buyers, government responses, and the long-term outlook for housing affordability.  Takeaways  There's a pressure cooker building up for the housing markets.  The housing crisis will take a decade to resolve.  We haven't built enough housing to meet demand.  Migration is playing a role in the housing crisis  Rents have risen significantly since the pandemic.  Government policies need to focus on increasing housing supply.  Stamp duty is a barrier to housing mobility.  Social housing is essential for vulnerable populations.  Construction costs need to be addressed to improve housing supply.  Chapters  00:00 Understanding the Housing Crisis  03:28 The Role of Migration in Housing Demand  06:18 Challenges of Home Ownership and Renting  09:16 Government Responses and Solutions  11:59 The Importance of Building More Homes  15:02 Tax Policies and Their Impact on Housing  17:47 Social and Affordable Housing Needs  20:24 Construction Costs and Housing Supply  23:14 The Future of Housing Affordability  35:39 The Pressure Cooker of the Housing Market  38:00 Strategic Property Investment for Financial Independence  Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Brendan Coates – Housing and Economic Security Program Director, Grattan Institute   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Housing Australia's Future: Grattan Institute’s Brendan Coates on Policy, Migration, and Affordability 

It’s the beginning of a New Year, so I’d like to take a step back to reflect on the rollercoaster that was 2024 in the housing markets and gear up for what promises to be an equally fascinating 2025.   Today, I’m joined by Nicola McDougall, chair of PIPA – the Property Investment Professionals of Australia, who has her finger on the pulse of what’s happening in our housing markets as well as a good understanding of all the various players in the property industry.  Nicola and I discuss the unexpected developments in the Australian property markets throughout 2024, the implications of interest rates on my investment strategies, and the ongoing rental crisis.   We also explore the challenges we face as property investors and the impact of government policies on the market, and we share our predictions for the property market in 2025.    Takeaways  2024 was a year of unexpected market conditions but general market resilience.  Interest rates are a significant factor affecting property investment and will create a year of 2 halves in 2025.  Melbourne's property market has struggled due to various factors.  Government policies have made it more challenging for investors.  Investors play a crucial role in providing rental accommodation to one third of Australians.  The rental crisis has been exacerbated by a reduction in investors.  A national outlook is essential for successful property investment as market conditions vary significantly across different regions.  Predictions for 2025 suggest continued market fragmentation.  Understanding market cycles is key to navigating property investment.  Chapters  00:00 2024 Property Market Overview  05:32 Melbourne's Market Struggles  11:10 Challenges for Property Investors  16:13 The Rental Crisis  18:42 New Chapter  35:00 2025: A Year of Opportunity in Property  36:22 Strategic Investing: Long-Term Perspectives and Benefits  37:10 The Spiral Path of Progress  38:08 Understanding the Law of Reverse Effort  Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Nicola McDougall – Chair Property Investment Professionals of Australia  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Australia’s Housing Markets in 2025: Opportunities, Risks, and Surprises  

No one wants to pay more tax than they need to, and no one wants to get in trouble with the tax man, so today Ken Raiss and I interview Rob Thompson, Assistant Commissioner of Taxation, who has a front-row seat to the intricacies of our tax system, and he’s here to help unpack some of the complexities that property investors like you often face.  Today we’ll be discussing      The ATO’s data matching program for property investors      The tax gap of $1.2 billion and why it’s relevant to rental property investors      PAYG instalments      The difference between deductible repair expenses, initial repairs and improvements and      The ATO’s new borrowing expenses calculator (this can be something we plug in the podcast and include links and more information in the show notes).      How to Pay As You Go instalments help manage tax bills throughout the year.      Understanding your tax obligations to avoid mistakes.      Treating your property investments like a business, not a hobby.  Chapters  04:09 The Importance of Data Matching and Compliance  07:05 Navigating Property Management Data  09:45 Distinguishing Between Repairs and Capital Improvements  12:19 Initial Repairs vs. Ongoing Maintenance  15:15 Understanding Depreciating Assets and Their Claims  18:17 Managing Interest Expenses and Tax Gaps  21:26 Claiming Borrowing Expenses Effectively  24:14 PAYG Installments for Property Investors  26:04 Final Thoughts on Tax Obligations and Compliance  32:21 The Value of Struggle in Success  Links and Resources:   Michael Yardney   Ken Raiss – Director Metropole Wealth Advisory  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us       Tax time toolkit for investors: ato.gov.au/Investorstoolkit      Rental properties guide: ato.gov.au/rentalsguide       Rental video series: ato.gov.au/Rentalvideos      Tax statistics: ato.gov.au/taxstats   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au       Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: The Tax Man Knows More About Your Property Investments Than You Think – Assistant Taxation Commissioner Rob Thompson

Have you ever wondered what makes the greatest investors in the world not just wealthy, but truly fulfilled and happy?   Well, today, we’re going to explore that question with someone who’s had the unique opportunity to sit down with the legends of the investing world – best selling author, William Green,  the author of Richer, Wiser, Happier: How the World’s Greatest Investors Win in Markets and Life,   William has spent decades interviewing and learning directly from icons like Warren Buffett, Charlie Munger, and Sir John Templeton.   But what’s fascinating about William’s work is that it’s not just about investing. It’s about uncovering the principles and mindsets that can lead to a richer life—financially, yes, but also emotionally and intellectually.  Our chat emphasised that true wealth isn't just about financial success; it also involves achieving a balanced and fulfilling life.  Takeaways      The power of compounding is essential for wealth creation.      Investing requires a mindset focused on continuous learning.      Humility is crucial in avoiding overconfidence in investing.      Delayed gratification is key to long-term success.      Wealth is not just about money; it's about life balance.      Kindness can be a competitive advantage in business.      Learning from adversity is vital for growth.      Cloning successful strategies can lead to better outcomes.      Navigating uncertainty requires preparation and humility.      True wealth includes health, relationships, and contribution.  Chapters  00:00 Introduction to Richer, Wiser, Happier  03:58 William Green's Journey to Investing  07:52 Lessons from Legendary Investors  13:26 Mindset of Successful Investors  16:10 Balancing Wealth and Life  20:55 Avoiding Stupidity in Investing  22:51 Understanding Market Complacency and Risk  24:58 The Art of Delayed Gratification in Investing  27:23 The Power of Compounding in Wealth and Wisdom  30:00 Compounding Goodwill and Building Relationships  32:10 Navigating Uncertainty in Investing  36:17 The Role of Humility and Luck in Success  39:16 The Importance of Sharing and Giving Back  42:34 Simple Ideas for a Richer, Happier Life  46:17 The Power of Peer Groups in Investing  49:23 The Ant Philosophy: Never Quit  Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  William Green - Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life   Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Richer, Wiser, Happier – How the world’s greatest investors win in markets and life

We have just wrapped up another fascinating year in property, so it’s the perfect time to reflect on the trends, surprises, and key events that shaped the housing markets in 2024, and more importantly, look ahead to what 2025 might bring.   Joining me today is Dr. Nicola Powell, Chief of Research and Economics at Domain.   Together, we’ll unpack the major shifts we’ve seen this year, explore what they mean for investors and homeowners, and discuss the outlook for the year ahead in Domain’s End Of Year Wrap Up report.   At the end of our show today you should have some more clarity on what lies ahead for our housing markets, so let’s get started and see what lies in store for property in 2025.  Takeaways      2024 was a year of economic turmoil, but the housing market showed resilience.      Interest rates remaining high have created uncertainty for buyers and sellers.      The rental market is experiencing a shift with increased stock and lower vacancy rates.      Melbourne's property market has underperformed due to various factors that we discuss      Political policies will play a significant role in shaping the housing market in 2025.      Sustainability is becoming increasingly important for buyers in the property market.      The demand for green homes is rising, leading to quicker sales and higher prices.      2025 is expected to be a year of two halves, with potential growth in the second half.      Regional markets are seeing interest from buyers seeking affordability.      Understanding market dynamics is crucial for successful property investment.   Chapters  03:57 Surprises and Predictions for 2024  06:49 Melbourne's Market Dynamics  09:47 Shifts in Buyer Preferences  12:52 Regional vs. Capital City Markets  15:50 Forecasts for 2025  18:42 Government Policies and Their Impact  21:55 Sustainability Trends in Housing  24:40 Economic Concerns and Market Resilience  27:55 Final Thoughts and Predictions  Links and Resources:  Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Dr. Nicola Powell, Chief of Research and Economics at Domain.   Domain End-of-year Wrap 2024   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au       Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: Navigating the Property Market: 2024 Insights and 2025 Forecasts from Domain with Dr. Nicola Powell

In this special year-end episode of the Michael Yardney Podcast, I chat with Stuart Wemyss about the key lessons we've both learned from the property markets in 2024 and what we can expect in 2025.   Let’s face it, 2024 threw plenty at us—rate movements, geopolitical turmoil, falling consumer confidence, uncertainty about rate movements, shifting buyer behaviour, and a housing market that continued to keep investors on their toes.   So we explore the impact of interest rates, regional market performance, and the mindset needed for successful property investment in 2025.   Takeaways      The fundamentals for property in 2025 are sound but it's likley to be a year of 2 halves.      Government policies and economic conditions will shape the property landscape in 2025.      Successful investors focus on long-term strategies rather than short-term noise.      Understanding the multifaceted nature of property is crucial for making informed decisions.      The importance of asset selection cannot be overstated in a fluctuating market like we're experiencing.      Interest rates are expected to stabilise or decrease, impacting investor confidence in the second half of the year.      Perth and Adelaide have shown strong performance due to affordability - but will likley slow down in 2025.      Investor behaviour can significantly influence market trends and property values.      Luck plays a role in property investing, but preparation and knowledge are essential.      Making good long-term decisions is essential for sustained success in property investment.    Chapters  00:00 Reflecting on 2024: Lessons Learned  04:29 Market Dynamics: Interest Rates and Borrowing Capacity  07:15 Regional Markets: The Rise of Adelaide, Perth, and Brisbane  10:39 Melbourne's Underperformance: Economic Factors at Play  13:16 Investor Sentiment: The Media's Role and Market Perception  16:38 Navigating Supply and Demand: Quality vs. Quantity  19:25 Creating Your Own Luck: The Importance of Preparedness  22:29 Looking Ahead: Predictions for 2025  25:23 The Role of Financial Services in Property Investment  28:27 Risks and Pitfalls: Caution for Investors  31:36 Long-Term Focus: Making Informed Decisions for the Future  36:44 Navigating Uncertainty in Property Investment  38:46 Winners vs. Losers: The Mindset Divide  40:09 The Power of Choice: Taking Responsibility  40:45 Understanding Market Trends    Links and Resources:   Michael Yardney   Stuart Wemyss – Prosolution Private Clients   Stuart’s Book – Rules of the Lending Game & Investopoly   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au      Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   Shownotes plus more here: 2024 in Review: Lessons from the Housing Market and Predictions for 2025 with Stuart Wemyss

In this “Big Picture” episode of my podcast I get together with leading financial commentator Pete Wargent, who brings decades of perspective to his views, and we discuss the clues in the news as to what’s ahead for our economy and the property markets.  Today we discuss the amended outlook for interest rates and what this means for our housing markets, an update on what APRA had to say about when they plan to loosen their lending buffers, what America’s new president Donald Trump may mean for Australia, the Help to Buy Scheme, and Australia’s ongoing Per Capita Recession.  I hope by the end of today’s show you’ll more clarity about what all this means for our economy and housing markets in 2025.  Takeaways      Inflation has recently fallen to 2.1%, but interest rates won’t fall any time soon.      APRA's lending buffers are not set to change soon.      Donald Trump’s tariff move could change the game for Aussie property investors      The rental price boom is showing signs of easing, but rents will keep rising in 2025      2025 is expected to be a steady year for property, with slower capital growth      Mortgage stress remains a concern for many homeowners.      Government schemes like Help to Buy aim to assist first-time buyers, but will only increase property values.      Wealth in Australia continues to rise despite our economic challenges.      Black Friday sales have shifted consumer spending habits.  Chapters  00:00 Overview of the Year in Property  09:50 Impact of Government Policies on Housing  21:34 Government Schemes and Their Implications  27:04 Navigating Uncertainty in Property Investment  31:47 Understanding Market Trends  Links and Resources:  Metropole’s Strategic Property Plan – to help both beginning and experienced investors  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Pete Wargent’s blog  Pete Wargent’s new book, The Buy Right Approach to Property Investing  Pete’s other book – The New Wealth Way  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: What Will 2025 Bring for Australian Real Estate? Your Big Picture Guidewith Pete Wargent

In this special end-of-year episode, we take a step back to reflect on the rollercoaster that was 2024 in the housing markets and gear up for what promises to be an equally fascinating 2025. And who better to do it with than Pete Wargent, one of Australia's most respected financial and housing market analysts? Together, we’ll unpack the highs, lows, and surprises of this past year, and share the lessons we've learned over the past year and offer insights into what we can expect in 2025, including predictions for regional markets and potential risks for investors. Throughout our conversation you'll find that we emphasise the importance of maintaining a long-term perspective in property investment and crafting a solid strategy to navigate the evolving market landscape. Takeaways ·       2024 demonstrated the importance of having long-term investment strategies. ·       The housing market showed unexpected resilience in 2024. ·       Job market strength has been a significant surprise this year. ·       The rental crisis will continue to be a pressing issue in 2025. ·       Investors should focus on owning quality properties rather than quantity. ·       Construction costs are not increasing as much as they were before, but won't decrease in the long term. ·       Understanding market cycles is crucial for property investors. ·       Melbourne is emerging as a potentially undervalued market. ·       Having a clear investment plan is essential for investment success.  Chapters 00:00 Reflecting on 2024: A Year in Review 08:45 The Impact of Interest Rates on Property 15:10 Challenges Faced by the Property Market 21:33 Looking Ahead: Predictions for 2025 27:29 Summarizing 2024: Resilience in the Market 29:40 The Impact of Pessimism on Success 34:35 The Importance of Optimism and Teamwork 34:45 Introduction to Real Estate Investment 34:46 Understanding Market Trends and Analysis   Links and Resources:   Metropole’s Strategic Property Plan – to help both beginning and experienced investors  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Pete Wargent’s blog    Pete Wargent’s new book, The Buy Right Approach to Property Investing    Pete’s other book – The New Wealth Way    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   

It’s customary at the end of the year to look back at the year that was and then look forward to making some predictions for our housing markets for the year ahead, and in today’s show, Dr Andrew Wilson and I explore the trends that will shape the property markets in 2025.    Takeaways        The housing market in 2024 has been consolidating after a strong rebound in 2023. 2025 is likely to be a year of 2 halves, and the markets will rebound when interest rates fall.        Melbourne's property market is underperforming compared to other capitals but offers significant future opportunities as you can buy well located properties with substantial built in equity.        Interest rates will likely remain steady till the middle of 2025, impacting buyer activity and market sentiment.        Over 2024, Brisbane, Perth, and Adelaide property markets grew strongly and attracted investors, often buying secondary properties sight unseen        Rental growth has slowed due to affordability barriers, but vacancy rates remain extremely low.        Investors are returning to the market, particularly in states with strong capital growth.        The economic outlook remains positive, supporting housing market stability in 2025.        Local factors will drive price growth in 2025, rather than national trends.        Understanding demographic trends is crucial for property investors.        A strategic property plan can help investors navigate the current market conditions with more certainty.   Chapters 01:24 Year in Review: Housing Market Insights 04:16 Trends and Predictions for 2025 07:31 Regional Market Dynamics: Brisbane, Perth, and Adelaide 10:19 Melbourne's Market Challenges and Opportunities 13:15 Interest Rates: Current Landscape and Future Outlook 16:10 Investor Behavior and Market Shifts 19:21 Rental Market Trends and Affordability Issues 22:14 Investment Opportunities in a Changing Market 25:04 Consolidation and Future Growth Prospects 32:16 Introduction to Property Investment Trends 36:14 Introduction to Real Estate Investment 36:15 Understanding Market Trends and Analysis 37:39 Special Offers and Resources for Listeners 39:02 Understanding Property Investment Strategies   Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Looking Back, Leaping Forward: Dr. Andrew Wilson’s Predictions for 2025

Today Simon Kuestenmacher and I explore why young Australians are increasingly delaying their dreams of homeownership.  We've all heard about skyrocketing property prices and the challenges of securing a mortgage but, as you’ll hear, there's more to the story than just affordability.   Sure, property prices present a significant barrier, but we also examine lifestyle changes, such as extended periods in education and the prioritisation of experiences over material possessions, reshaping the housing market landscape.   We also discuss some very important demographic shifts, including the transition of millennials from urban rentals to suburban family homes, and highlight the rise of build-to-rent and co-living spaces.    Links and Resources:   Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Homeownership Dreams on Hold: What’s Really Stopping Younger Generations? With Simon Kuestenmacher

In this episode of Michael Yardney Podcast I’m joined by Brett Warren to challenge a common belief many beginning property investors hold: that those who bought into the market 20 years ago had it easy.   It’s a complaint I hear often—‘If only I had bought back then, property was so affordable.’   But what if we told you that investing in property has never been easy? The investors who succeeded weren’t simply lucky—they were those who stayed the course through thick and thin.  We’ll also share the story of Joseph, one of our clients who bought a 2 bedroom apartment in Marrickville, Sydney, back in 2008 and paid $280,000 for his property, which is now valued at nearly $1 million.     Takeaways        Investing in property has always been challenging, regardless of the era.        Long-term thinking is crucial for successful property investment.        Emotional resilience helps investors navigate market fluctuations.        A strategic plan is essential for achieving investment goals.        Quality assets should be prioritised over the quantity of properties owned.        Market cycles are inevitable; understanding them is critical to success.        Investors should focus on fundamentals rather than short-term data.        Education and self-improvement are vital for financial success.        Networking with experienced investors can provide valuable insights.        Patience and a long-term vision are necessary for wealth creation.   Chapters 04:39 Long-Term Focus and Patience in Investing 07:40 Emotional Resilience in Property Investment 10:28 The Importance of a Strategic Plan 13:31 Quality Over Quantity in Property Assets 16:47 Understanding Market Cycles and Trends 19:30 Navigating Interest Rates and Economic Factors 22:46 The Window of Opportunity in Property Investment 24:45 The Importance of Reading for Wealth   Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: The Myth of ‘Easy’ Property Wealth – What Investors Need to Know, with Brett Warren Shownotes plus more here: The Myth of ‘Easy’ Property Wealth – What Investors Need to Know, with Brett Warren 

Our real estate markets have surprised many on the upside this year– especially considering high interest rate environment, but what lies ahead for our real estate markets now?  That’s what we discuss in today’s show  Looking back at how previous property cycles played out, I delved back into my memory to see what lessons I could learn from past property cycles I realised that I’ve probably learned more from the many mistakes I’ve made than from the things I got right.  Now there’s a powerful lesson in itself!  Anyway…in today’s show I share 4 key lessons I wish I’d learned earlier in my investment journey about property cycles.  Takeaways   ·       Understanding property cycles is crucial for investors. ·       The current property cycle began in 2023 and is still evolving. ·       Market sentiment often misguides investors about property cycles. ·       Quality properties outperform cheaper ones in the long run. ·       Different property segments react differently to market changes. ·       Allow for unforeseen events, or 'X factors', in investment planning. ·       Investors should focus on long-term strategies rather than short-term gains. ·       Investors should be cautious of crowd psychology in property markets. ·       Planning is essential for successful property investment.   Chapters   06:31 Market Sentiment and Its Impact 11:46 Diverse Property Markets 19:43 The X Factor in Property Investment 26:23 The Three States of Happiness 30:17 Introduction to the Podcast and Its Value 31:38 Encouragement to Share and Subscribe 32:05 Resources for Further Learning 32:27 Introduction to the Podcast and Its Purpose 32:59 Understanding Property Investment Strategies   Links and Resources:   Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: 4 lessons about the property cycle all property investors must understand 

In this episode of Michal Yardney Podcast, I share Warren Buffett's Ovarian Lottery theory, which highlights how luck plays a role in shaping our circumstances and opportunities.   In general when we talk about success, we focus on hard work, talent, and determination, but Warren Buffett points out that luck plays an equally important role.  The circumstances of one's birth can significantly affect life outcomes, and the gap between the wealthy and the poor is widening.   Those born into wealth are more likely to continue accumulating it, while those without such support face greater challenges in building their own financial security.  While the world is getting richer overall, the gap between the wealthiest and poorest is widening, and this is reflected in the housing market and the broader economy.   The ovarian lottery has a lasting impact on society. By acknowledging its role, we can work towards a future where success is determined not by the circumstances of our birth, but by our efforts, talents, and the opportunities we create for ourselves and others.  I also discuss the concept of 'big rocks' in life, emphasising how vital it is to prioritise significant goals and tasks.   I stress the importance of gratitude and social responsibility, encouraging myself and others to reflect on our advantages and the significance of helping those in need.    Takeaways      Warren Buffett's Ovarian Lottery theory illustrates the role of luck in success.      Gratitude is crucial for appreciating one's circumstances.      Recognizing the advantages we have fosters empathy       Reflecting on our luck can lead to a more compassionate society.      Social responsibility is a moral obligation for the fortunate.      Big rocks are the essential tasks and goals in life. Prioritising big rocks leads to a more fulfilling life.    Chapters  00:59 The Importance of Humility and Gratitude in Success  01:30 The Ovarian Lottery Concept  04:22 Luck and Success: A Personal Reflection  07:42 Empathy and Social Responsibility  10:35 Gratitude and Life's Advantages  14:03 Understanding Big Rocks: The Foundation of Priorities  19:49 The Big Rock Story: A Lesson in Prioritization  23:04 Implementing the Big Rocks Concept in Daily Life  27:49 Understanding Property Investment Strategies    Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: Investing Success Isn’t What You Think: Warren Buffett’s Mind-Blowing Secret Revealed

While the Reserve Bank of Australia has kept rates on hold yet again, the big question is—how much longer will this last?  And more importantly, when might we see the next rate cut?  With the local economy sending mixed signals, it seems that many economists are finding it increasingly difficult to predict the RBA’s next move. In fact, they keep changing their forecasts.  But it's not just our local factors in play.  Overseas developments, particularly the political shifts in the United States with a newly elected president, could have ripple effects that impact our rates here in Australia.  How will these global pressures influence the timing of any rate cuts? And what might it mean for property markets and investors looking to plan their next move?  That’s what I discussed today with Dr Wilson, chief economist of My Housing Market, in today’s podcast.  Takeaways ·       The RBA has held rates steady for the eighth consecutive month, but with economic signals unclear, economists are finding it increasingly difficult to forecast the next move. While many expect a rate cut next year, Dr. Andrew Wilson predicts it may not come until at least late 2025. ·       The RBA has indicated that inflation is unlikely to settle within its target range (2-3%) until 2026. With underlying inflation still above 3%, the RBA is expected to keep rates "restrictive" until inflation is sustainably under control. ·       Despite the cost-of-living pressures, the Australian economy remains resilient with a low unemployment rate, record-high workforce participation, and robust job growth. Retail sales are also holding strong, staying well above pre-COVID levels. ·       Political and economic shifts overseas, particularly in the U.S., could impact the RBA's future rate decisions, adding an extra layer of uncertainty for investors and homeowners trying to plan their next steps. ·       The latest ABS data shows a slight decrease in the total value of new housing loans in September, with a 0.3% drop to $30.2 billion. While investor loans fell by 1.0%, owner-occupier loans inched up by 0.1%. Investor loan values remain high in states with strong housing markets. Links and Resources:  Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au   Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for  Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.  Shownotes plus more here: What’s Next for Interest Rates? Dr. Andrew Wilson’s Predictions for 2025

In today’s show, Brett Warren and I dissect Warren Buffett’s investing principles, especially as they could apply to the Melbourne property market. We explore the value of long-term strategies, the importance of quality assets, and the need for solid cash flow. We also discuss market cycles, how interest rates affect investments, and why it’s essential to have a safety margin. Overall, we emphasise taking a strategic approach to property investment, aiming to build wealth steadily over time rather than chasing quick gains, discussing things like… · Long-term wealth building requires patience and strategic planning. · Market cycles are inevitable; timing the market is less important than “time in” the market. · Quality assets are essential for long-term capital growth. · Cash flow is crucial for sustaining investments during downturns. · Investing in desirable locations can mitigate risks. · A margin of safety protects investments from market fluctuations. · Understanding demographics and trends is key to successful investing. · Building a solid foundation takes time but pays off in the long run. · Having a strategic plan is vital for navigating the property market.    Links and Resources: Michael Yardney, founder of Metropole Brett Warren - National Director of Property at Metropole Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Get a bundle of free reports and eBooks – www.PodcastBonus.com.au Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

Our housing markets have been remarkably resilient over the last year, despite high interest rates and even though the RBA didn’t drop interest rates this year, like many expected. With inflation falling faster than expected, there is now the anticipation of rate drops early next year and it seems that the gloom that descended on Australian consumers 2 ½ years ago is finally showing signs of lifting. What does this mean for our economy and housing markets? That’s exactly what Pete Wargent and I discussed in today’s show. We explore also the impact of government policies on property investment and analyze demographic trends affecting housing demand. The conversation also touches on the challenges within the construction sector and the outlook for property investment in Australia, particularly in light of immigration and economic predictions for 2025. Links and Resources: Michael Yardney – Metropole Property Strategists Metropole’s Strategic Property Plan – to help both beginning and experienced investors Get a bundle of free reports and eBooks – www.PodcastBonus.com.au Pete Wargent’s blog Pete Wargent’s new book, The Buy Right Approach to Property Investing Pete’s other book – The New Wealth Way Get a bundle of free reports and eBooks – www.PodcastBonus.com.au Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Shownotes plus more here: Key Trends Shaping Australia’s Property Market in 2025 | Big Picture Podcast with Pete Wargent

In this episode we discuss the findings of the 2024 Property Investment Professionals Association Annual Investor Sentiment Survey with Nicola MacDougall. We explore the current state of the property investment market, the challenges investors face, including rising holding costs and government policies, and the importance of having a clear investment strategy. The conversation also touches on the role of investors in the rental crisis, the perception of different states as investment-friendly, and the need for qualified property advisors in the industry. Links and Resources: Michael Yardney Nicola McDougall – chair of PIPA – download the PIPA Annual Investment survey https://www.pipa.asn.au/wp-content/uploads/PIPA_Investor-Survey-Report_2024.pdf here Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Shownotes plus more here: Insights from the PIPA Investor Survey – with Nicola McDougall