Property Banter by Pinnacle Buyers Agents

Interest rate hikes in Australia are creating property investment opportunities for buyers who know what to look for, especially while other investors are sitting on the sidelines. In this episode, Michael breaks down why rising rates, reduced borrowing capacity, weak market sentiment, and low competition can create the perfect window to buy undervalued investment properties. He explains why ugly properties, under-rented homes, messy tenants, granny flat potential, subdivision upside, and poor presentation can be exactly where smart investors find value. If you’re wondering how to invest during interest rate rises, what properties to target, or how to spot opportunities before the herd comes back, this episode is packed with real-world strategy –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 0:30 — 4.35% Rates — What Changed and What Hasn’t 1:49 — Borrowing Capacity Drop — The Advantage for Savvy Buyers 2:20 — $400K Case Study — The Ugly House No One Wanted 4:01 — $13K Renovation Strategy — Kitchen, Paint & Floating Floors 4:58 — 800sqm Block Upside — Granny Flat and Subdivision Potential 6:26 — $400K to $800K — How the Property Doubled in 3 Years 6:52 — Long-Term Hold Strategy — Why Quality Stock Matters Now –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Australia’s proposed negative gearing and capital gains tax changes could completely change how property investors compare new builds vs established properties, but the real story is not what most headlines are saying. In this episode, Michael is joined by Josh to model the numbers, break down the tax impact, and reveal why chasing depreciation benefits may not be the smartest strategy. They also show why “lazy investing is dead” — and why investors need better data, stronger yield strategies, and sharper asset selection moving forward. If you’re a property investor trying to understand the proposed tax changes, new build incentives, negative gearing, CGT, or how to build wealth in the next market cycle, this episode is a must-watch. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:08 — Proposed Tax Changes — Negative Gearing, CGT & Investor Panic 7:49 — $800K Property Model — Existing vs New Build Under New Rules 14:18 — Yield Strategy Shift — Granny Flats, Duplexes & Rent Boosts 16:09 — New CGT Model Explained — Inflation, Indexation & Real Gains 17:07 — $800K Example — How Outperformance Changes the Profit 21:37 — Old Rules vs New Rules — Could Investors Pay Less CGT? 32:03 — Lazy Investing Is Dead — Why Data-Driven Investing Wins –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

Melbourne property investing in 2026 is one of the most debated topics in Australia, but is Melbourne really the next big property market, or are investors walking into a slow-burn trap? In this episode, Michael takes a contrarian look at Melbourne, unpacking why Victoria’s debt, taxes, lockdown scars, crime concerns, investor regulations, and weak interstate migration could make Melbourne far more complicated than the “buy Melbourne now” narrative suggests. If you’re thinking about buying in Melbourne, waiting for a Sydney-style catch-up, or trying to understand where Australian property markets may move next, this episode is for you –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:20 — The Lockdown Hangover — Why Melburnians Still Want Out 4:00 — The Buyer’s Agent Reality Check — What Melbourne Locals Are Really Saying 5:23 — Investor Taxes & Regulation — Why Victoria Feels Anti-Investor 6:52 — Melbourne Isn’t What It Was — The Decline of a Once-Vibrant City 8:00 — Crime, Debt & Government Pressure — The Bigger Melbourne Risk Factors 10:48 — International vs Interstate Migration — Why Not All Growth Is Equal 12:11 — Why Victoria Is a Slow Burn — Don’t Expect Instant Catch-Up Growth 15:48 — The Final Warning — Asset Selection Matters Most in Victoria –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc See more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.