THE HOUSING BUBBLE DEBATE: Why the Market Isn’t Crashing Anytime Soon

Welcome back to Money on the Mic. In episode three, Darren and Brodie tackle the controversial question on everyone's mind: Are we in a housing bubble? As global tensions shift and technology rapidly advances, the team explores whether the Australian property market is due for a burst or a steady plateau.THE BREAKDOWNThis week, the guys debate the stability of the Australian housing market from two different angles. Brodie argues why the current lack of supply, record-low vacancy rates, and high rental yields mean we aren't in a bubble, but rather a market simply meeting demand. On the flip side, Darren looks at the "unhinging" factors that could cause a correction, including the rising impact of AI on the workforce, potential policy changes to negative gearing, and the cooling sentiment in major hubs like Sydney and Melbourne. Whether you believe a crash is coming or growth is permanent, this episode provides the data-driven context you need to understand the 2026 landscape.In this episode, we chat about:The Bubble Debate: Why the detachment from market fundamentals is the key indicator of a bubble.Supply vs. Demand: How record-low listings and migration are propping up property values.AI and Employment: Why the rapid adaptation of AI agents could be the "undersold" risk to the property market.Negative Gearing: The potential fallout if policy changes are tabled in the next election.State vs. State: Why WA and QLD are expected to remain strong while Sydney and Melbourne face downward pressure.CHAPTERS01:33 Brodie’s case: Why Australia is not in a housing bubble02:20 What a real housing bubble usually looks like06:14 Why housing supply is still not catching up07:45 Darren’s case: What could actually pull the market down08:20 Risk 1: Rising unemployment and underemployment09:42 How AI could start changing jobs and borrowing power10:41 Risk 2: Policy changes like negative gearing14:03 Risk 3: Higher construction costs and weaker borrowing capacity16:56 Net migration and how population growth keeps pressure on housing18:13 Why theory and reality often don’t match in property markets19:39 Would negative gearing changes really burst the bubble?24:36 Why Sydney and Melbourne stay expensive26:18 12-month property market predictionsCONNECT 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:Facebook: https://www.facebook.com/fundd.com.auInstagram: https://www.instagram.com/fundd.com.au/Linkedin: https://www.linkedin.com/company/control-finance-aus/?viewAsMember=trueThis 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.