MONEY FIGHTS: 9 Property Debates Most Investors Get Stuck On

Darren and Brodie go head to head on 9 of the most heavily debated questions in property and Australian lending - buy or rent, offset or invest, property or shares, fixed or variable, broker or bank, and the biggest one of all: should negative gearing exist?THE BREAKDOWNRound by round, no easy answers. Brodie picks his side on each topic and explains why - Darren takes the other side. Some picks land where you’d expect, others don’t. Brodie picks apartment over house for the first time, citing higher yields and a low-growth stretch ahead, plus an immigration-led shift toward high-density living. He defends negative gearing in a limited form, while Darren argues the other side as devil’s advocate, naming the impact on renters most coverage isn’t talking about.A free post-budget investment report is still in the works for a 2–4 week drop.In this episode, we chat about:Buy vs rent: Why capital growth makes buying the obvious play for most.Offset vs invest: Why a risk-taker chooses growth assets over a cash buffer.Property vs shares: Why Australia’s biggest asset class still wins.Interest only vs P&I: How to structure investment debt against good debt and bad debt.Broker vs bank: Why nearly 4 in 5 loans now skip the bank entirely.House vs apartment: Brodie’s surprise apartment pick and the regional yield case.Fixed vs variable: Why a fixed rate is a bet against the economist.SMSF property: Why super has no living expenses and what that does to your borrowing capacity.Should negative gearing exist: Brodie’s "yes for mum and dad," Darren’s "no" for renters.CHAPTERS00:00   Intro: A 9-Round Money Fight01:00   Buy vs Rent: Capital Growth Settles It03:30   Offset vs Invest: Why Risk Wins Over Cash06:30   Property vs Shares: Why Australia Still Picks Property08:30   The "Economists Always Get It Wrong" Take11:00   Interest Only vs P&I: How Investment Debt Should Work14:30   Broker vs Bank: Why Nearly 4 In 5 Loans Skip the Bank17:00   Best Interest Duty Explained20:30   House vs Apartment: Brodie’s Surprise Pick27:30   Fixed vs Variable: A Bet Against the Economist31:00   SMSF Property: Why It’s a Good Idea (And When It Isn’t)39:00   Should Negative Gearing Exist? The Mum-and-Dad Case43:00   The Impact On Renters Most People Aren’t Talking AboutCONNECT WITH FUNDDGot a question? Drop it in the comments below or reach out to the team via our website https://fundd.com.au/contact/.Follow us on Socials:FacebookInstagramLinkedinThis podcast provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.All information is correct at the time of filming.