The Property Couch

“Pay yourself first” is one of the most popular rules in personal finance. And to be fair, it’s popular for a reason: it’s simple, memorable, and it works.But what if saving 10% isn’t enough?In this Throwback Tuesday snippet, Bryce and Ben unpack why the classic “pay yourself first” rule might still leave room for lifestyle creep… and how trapping more of your surplus can help you put your money to better use.For the original episode, tune in here: Episode 191| Seven Steps to Make Money Simple Again. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Luke Oxenham and Polly Chu unpack a common property investing myth:Waiting for the perfect time before you start.From interest rates and market cycles to cost of living, family plans and global uncertainty, there always seems to be a reason to hold off.But as Luke and Polly explain, waiting for perfect certainty can sometimes leave people sitting on the sidelines for years.This episode explores how to plan for uncertainty before buying property, including stress testing your repayments, modelling higher interest rates, allowing for rental changes, planning for holding costs, and keeping cash buffers in place.They also discuss why trying to time the bottom of the market can be difficult, and how big life goals should be considered before building an investment strategy.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/Timestamps00:23 – Welcome back to Friday Fundamentals 00:41 – The myth: waiting for the perfect time 00:55 – Why people feel they need to wait 01:13 – There’s always another reason to hold off 01:43 – Why uncertainty feels uncomfortable 02:19 – How planning helps manage uncertainty 02:22 – Running the numbers before buying 02:36 – Modelling higher interest rates 03:21 – Planning for worst-case scenarios 03:31 – Rental income, holding costs and maintenance 04:07 – Stress testing your loan repayments 04:39 – Why cash buffers matter 05:06 – The danger of using every dollar to buy 06:20 – Should you wait for a particular time? 06:38 – Why waiting for the market to turn can take years 07:08 – The problem with timing the bottom 08:08 – Waiting for life to settle down 09:24 – Big life decisions vs borrowing capacity 10:04 – The big rocks in the jar analogy 10:26 – Final takeaway: there is no perfect timeLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Two months on from the Budget's negative gearing and CGT changes, the data is telling a clear story. In our latest episode, Ben sits down with couch crew Luke Oxenham, investment-savvy mortgage broker, and Polly Chu, Qualified Property Investment Advisor, both fielding real client conversations daily. Together, they're unpacking what's actually happening on the ground: auction clearance rates stuck below 50% for weeks (the worst run since 2018), open home attendance down 43% year-on-year, and the lending data driving it all. How lenders scrambled to rewrite borrowing power calculators within days of Budget night — some borrowers lost up to $160K in capacity overnight Why majors and smaller lenders are treating investment debt so differently What AFG's lodgement data really reveals about first home buyers, upgraders and investors The shift toward interest-only loans as borrowers protect negative gearing and build buffers Why this cautious market might be the smartest time for new investors to prepare — and what "prepared" actually means Tune in to hear the conversations happening behind closed doors right now. RESOURCES MENTIONEDFree Webinar: New vs Established Property — What Should You Buy in Today's Market? 🎙️ The rules have changed. Should your strategy? Join us live to unpack the real numbers behind buying new vs established in today's market. 📅 Tuesday, 28 July 2026, 7:30pm AEST 👉 Register free Free Borrowing Power Calculator 💰 Curious what you could actually borrow right now? Run your numbers through Moorr's latest feature and get clarity in minutes.  👉 Get financial clarity now  Free Personalised Lending Chat 📞 Want to know exactly where you stand? Have a free, no-obligation chat with our team and get a lending assessment tailored to you. 👉 Book your free chat today.  Between rate rises and rewritten legislation, it's a lot to keep up with. Got a question?👉 We've got you! Send it in for our upcoming Q&A Day >>   Resources from this week’s episode  Ray White: Open homes are quieter, but attendance may be stabilising Westpac-MI Consumer Sentiment July AFG brokers lodge $28.1 billion in home loans in Q4 FY26 The Advisor:  FHB pullback almost as steep as investor retreat Majors’ share slips as Westpac tops AFG lodgements Broker Daily: Westpac forecasts slump in investor activity following budget LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

(Webinar) New vs Established Property: What Should You Buy in Today’s Market? - Tuesday, 28 July @ 7:30PM 👉 www.thepropertycouch.com.au/registernowWith the government’s new tax settings encouraging investors towards new property, one big question is starting to dominate the conversation:Does a better tax benefit automatically make a new property the better investment?In this special Tuesday episode, Ben breaks down the equation every property investor should consider before choosing between a new build and an established property.Because while tax savings can make an investment look attractive today, they are only one part of the bigger picture.Free Stuff Mentioned: New vs Established Property WebinarWant Ben to unpack the numbers, historical performance and trade-offs in more detail? Join the free live webinar:📅 Tuesday, 28 July 2026🕢 7:30 pm AESTRegister here:https://thepropertycouch.com.au/registernow/Places are limited, so make sure you register early.Timestamps00:36 – Should tax savings influence your property choice?00:56 – The property investment equation explained01:32 – What happens to carried-forward property losses?02:25 – Comparing two $800,000 investment properties02:51 – New property vs established property growth03:17 – Can tax benefits make up for lower capital growth?04:30 – How to compare total property investment returns05:33 – When buying a new property can make sense07:07 – Property market risks, supply and oversupply07:24 – Free suburb research and property data in MoorrHave a Property Data Question?We will be sharing more Tuesday property data dives. Submit the topics, locations or market questions you would like them to unpack at the comment section below or send it in here: https://thepropertycouch.com.au/topics/LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Shane Pope and Luke Oxenham share what they wish more clients knew before buying property.Shane starts with the negotiation side, unpacking how agents can create pressure and urgency during a deal — and why buyers often have more space than they realise to make a calm, quality decision.Luke then explains the finance side, including why settlement length is often less important than the finance clause, cooling-off period, and the time needed to secure unconditional approval.Together, they cover the parts of buying property that can feel stressful, confusing or rushed — and how better preparation can help buyers avoid poor decisions.If you’re planning to make an offer, this is a useful episode to listen to first.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/⏱️ Timestamps00:27 – Welcome back to Friday Fundamentals01:09 – What Shane wishes more buyers knew01:11 – Why agent pressure can feel so intense01:34 – Can buyers push back on offer deadlines?01:59 – Why buyers can be firmer with agents02:24 – Creating space to make better decisions03:01 – Why first home buyers can feel like they’re bidding against themselves03:20 – Going radio silent and using time as a tell03:49 – Why timing matters in negotiations04:06 – Case study: negotiating a lifestyle property04:26 – Four other buyers at the table04:54 – Why a good buyer’s agent can help05:13 – What Luke wishes more buyers knew05:33 – Why unconditional approval matters05:54 – Finance clauses and lender timeframes06:12 – Why brokers plan for the worst-case scenario06:45 – Why the first week matters most07:04 – Buyer pressure before and after settlement07:41 – Final thoughts and send in your questions#ThePropertyCouch #PropertyBuying #BuyersAgent #MortgageBroker #propertytipsLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

(Upcoming webinar - 7:30pm AEST, Tues, 28th July) New vs Established Property: What should you buy in today’s market? Register here: https://thepropertycouch.com.au/registernowDo owner-occupier suburbs have better capital growth?New Cotality research suggests the answer is often yes — particularly when it comes to units.Between 2010 and 2026, units in owner-occupier-heavy areas grew by 99%, compared with 65% in investor-heavy suburbs. Applied to the national median unit value at the beginning of that period, that represents an estimated $148,000 difference in capital gains.  But does that mean investors should simply avoid any suburb with a high share of renters? Not quite. In this episode, Ben Kingsley is joined by Gerard Burg, Head of Research at Cotality Australia. Gerard brings more than two decades of experience analysing economic and industry trends across government and the private sector, including his previous role as a Senior Economist at NAB.  Together, they unpack what Cotality’s ownership-composition research really tells us, why the relationship is so much stronger in the unit market, and how liveability, amenity, renovation activity and future housing supply can influence long-term performance. They also explore the risks of investor-heavy apartment markets, the potential consequences of pushing more investors towards new builds, and what the latest listings and lending data reveal about Australia’s property market in 2026.Free Stuff Mentioned(LIVE Webinar!) New vs Established Property: What should you buy in today’s market? Have recent tax changes made new property the obvious choice for investors? Join us on Tuesday, 28 July at 7:30 pm AEST as we unpack the real numbers, risks and trade-offs behind buying new versus established property.👉 Register for the free webinarCotality’s Owner-Occupier and Investor Research  👉 Read the research and download the full analysis or learn more about Cotality hereMoorr’s Suburb Search Feature: Looking for more suburb data? Check our Moorr’s brand new feature: Suburb Search! Research over 30,000 Australian suburbs with just a few clicks. Explore monthly-updated market data, compare locations, uncover hidden opportunities and access suburb-level insights to help you invest with greater confidence. 👉 Learn moreTimestamps 01:23 – Should You Buy New or Established Property After the Tax Changes?02:28 – Meet Gerard Burg, Head of Research at Cotality Australia03:21 – Money Story: Growing Up as the Youngest of Five Children09:19 – How Gerard Found His Way Into Economics and Property Research14:16 – How the Rental Ratio and Ownership Research Was Calculated15:27 – Do Owner-Occupier Suburbs Have Better Capital Growth?17:15 – How Ownership Composition Created a $148,000 Difference20:00 – Why Schools, Transport and Liveability Influence Property Values23:29 – Why New Apartment Supply Can Limit Capital Growth27:00 – How Investors Should Use a Suburb’s Rental Ratio32:23 – How the New Tax Settings Could Change Investor Behaviour37:05 – Could New Housing Estates Become the Next Investor-Heavy Markets?39:29 – Rental Guarantees, Oversupply and Concentration Risk Explained44:27 – The Practical Property Research Lessons Investors Can Apply46:08 – Australia’s Property Market Outlook for the Rest of 202646:36 – Are Rate Rises or the Federal Budget Driving the Market Slowdown?51:00 – Are Regional Property Markets Still Outperforming the Capitals?53:57 – What Rising Listings Tell Us About Sydney, Melbourne and Brisbane56:31 – Interest Rates, Borrowing Capacity and the Signals to Watch NextLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

When someone leaves a two-star review calling you "property spruikers," you've got two choices: ignore it, or read it out loud and respond properly!In this Throwback Tuesday snippet, Bryce & Ben unpack a listener's concerns about high debt, over-leveraging and vested interests... and why a healthy dose of scepticism is no bad thing.For the original episode, tune in here: Episode 437 | The Biggest Danger People Face When Looking at Property Data.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Welcome back to Friday Fundamentals on The Property Couch.In this episode, Shane and Luke tackle a question that’s suddenly everywhere:Would you still buy an established property today if the negative gearing benefit is deferred?Their answer? Yes — but it depends on your goals, your timeline, and the quality of the asset.This conversation unpacks why negative gearing is only a moment in time, why growth still does the heavy lifting over the long term, and why chasing a tax outcome can be a dangerous way to build an investment strategy.They also break down why established property still has a strong case, especially when land, location and asset quality are front and centre.If you’ve been wondering whether the recent changes mean you need to completely rethink your property approach, this is a great place to start.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/Timestamps00:10 – Welcome to Friday Fundamentals00:49 – The big question: would you still buy established property?01:13 – Luke’s answer: yes, but it depends01:45 – Why long-term goals still matter most02:03 – PPOR maxing and future strategy03:17 – Why Shane would still buy established property04:09 – The buyer’s decision quadrant explained04:24 – Why not all “tax-friendly” property is good property05:00 – Negative gearing is a moment in time05:39 – Final thoughts and send in your questions#ThePropertyCouch #PropertyInvesting #NegativeGearing #EstablishedProperty #MoneyManagementLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

"I don't think it can get much worse for people trying to get their first property.”  That’s Glen James, best-selling author, financial educator, host of the award-winning Money Money Money podcast and today’s special guest. From Glen's journey as a self-confessed "recovering spender" to why your first home doesn't need to be your forever home, this conversation explores the money habits, finance strategies and changing tax landscape shaping the next generation of property owners and investors. You'll learn: ✔️ The outdated first-home advice you can ignore ✔️ Whether rentvesting still stacks up in today's market ✔️ The first conversation every aspiring buyer should have  ✔️ The role family guarantees and LMI can play ✔️ How to choose the right first property—not just your dream property Listen now!   FREE STUFF MENTIONEDThe Quick-Start Guide to Your First Property 📘 Glen and Rachelle Kroon's practical new book cuts through the confusion of buying your first home or investment property with clear, step-by-step advice to help you get into the market sooner. 👉 Grab your copy here Money Money Money Podcast 🎧 Listen to Glen’s award-winning personal finance podcast covering budgeting, investing, property and practical money strategies.  👉 Listen here  Buying your first home? 🏠 We've just released a 3-part series to make the start of your property investing journey easier.  👉 Start here: 593 | How to Buy a Home (The Right Way) – Part 1 LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

When you’re renovating, it’s easy to look at three quotes and feel your eyes drift straight to the cheapest one. Because surely cheaper means smarter... right?! But as Three Birds Renovations share in this Throwback Tuesday snippet, the cheapest quote can sometimes end up costing you the most. For the original episode, tune in here: Episode 181 | Tips from Three Birds Renovations on How to Create the Perfect Renovation, Survive It, and See a Return on Investment!LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Ben is joined by Glen James to explore one of the most overlooked ideas in wealth creation:The best investment is often in yourself.From pay rises and career growth to business income and automated investing, this conversation unpacks why the biggest returns early on often come from increasing your earning power — not from chasing speculative returns in a small portfolio.Glen explains how human capital becomes real capital, why personal contributions matter so much in the early wealth-building years, and why improving your income can be one of the safest and most effective ways to grow your financial future.If you’ve been focused only on products, platforms or properties, this episode is a useful reminder that the real engine of wealth may be much closer than you think.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/⏱️ Timestamps00:24 – Welcome back to Friday Fundamentals00:54 – Glen’s hill to die on01:17 – Why the best investment is in yourself01:45 – The $10,000 portfolio thought experiment02:36 – Why chasing huge returns can mean huge risk03:03 – What a $10,000 pay rise really means03:49 – Why career growth is a low-risk wealth lever04:44 – How long-term earning power compounds05:22 – Why your own contributions do the heavy lifting early on06:18 – The difference between earning more and capturing more07:12 – The waterfall analogy for income08:00 – Business as a wealth-building engine09:19 – When it becomes a career discussion, not a job discussion10:03 – Final thoughts and practical takeawaysLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Is fear quietly influencing your investment decisions? With today's market creating uncertainty, it's easy to second-guess yourself. Headlines, market sentiment and endless opinions can make even experienced investors hesitate. In this episode, Ben is joined by high-performance coach Brett Burton and KD, Couch Crew, to unpack the psychology behind successful investing—and why your biggest challenge isn't always the market... it's often your mindset. You'll discover: Why uncertainty causes even experienced investors to hesitate The mindset loop that drives every financial decision How to separate facts from fear during changing markets Why patience often outperforms perfect timing in property and personal finance Practical strategies to build confidence and make better long-term investment decisions If today's headlines have you questioning your next move, this episode will help you zoom out, think clearly and answer, “Is the market driving your decision... or is fear?”  FREE STUFF MENTIONED💡 Inspired by Brett's insights?  Leadwell People delivers engaging leadership, wellbeing and high-performance programs designed to help individuals and teams thrive.👉 Learn more and explore Brett’s programs today.💻 Never Miss a LIVE Webinar   Be the first to hear about our upcoming webinars and live Q&As, packed with practical property and money insights. 👉 Get Webinar Updates  🧠 Book Recommendations:   Thinking, Fast and Slow by Daniel Kahneman The First Rule of Mastery: Stop Worrying about What People Think of You by Michael Gervais   Atomic Habits by James Clear  ️🎧 Episodes Mentioned:   261 | How to Hack Your Habits to Make You a Better Money Manager – Chat with James Clear  Ep. 500 | Why FOPO Holds Us Back & What to Do About it!LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

When starting your property investment journey, it’s easy to get pulled in every direction.  One person says Brisbane is the place to buy. Someone else suggests Melbourne. And before long, the question becomes: Which market should I pick?  But as Bryce and Ben unpack in this Throwback Tuesday episode... that might not be the best place to start. The real question is: What do you need this property to do for you?  For the original episode, tune in here: Episode 272 | The Unspoken Truth About Growth Corridors & Picking the Right Property Investment Strategy. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Welcome back to Friday Fundamentals on The Property Couch.In this episode, Shane and Ben tackle a question that’s suddenly everywhere:Are investors about to make emotional decisions they’ll regret?From panic-selling regional properties to suddenly chasing yield, off-the-plan deals, or “safer” tax-driven strategies, there’s a lot of emotion in the market right now.Shane and Ben unpack why fear-driven decisions can be dangerous, why “doing something” is not always the same as doing the right thing, and what investors should actually be looking at before making a move.They also explore what people in regional markets should be tracking closely, how to think about supply and risk, and why growth still matters more than a reactive strategy shift.If you’ve been asking yourself whether to sell, hold, or completely rethink your approach, this is one worth watching before you make any big moves.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/#ThePropertyCouch #PropertyInvesting #RegionalProperty #MoneyManagement #PropertyStrategy⏱️ Timestamps00:25 – Welcome back to Friday Fundamentals00:39 – The big question: are investors about to make emotional decisions?01:10 – Why fear is showing up so strongly right now01:26 – The first panic response: should I sell?02:11 – The second panic response: chase yield02:30 – What to do before making any big decision03:12 – Why goals, timelines and risk tolerance matter04:11 – What regional investors should be doing right now04:49 – How to track your local market properly05:46 – When to get professional advice06:06 – Are people about to make emotional buying mistakes too?06:24 – Why chasing yield overnight can go wrong07:06 – Tax benefits vs financial outcomes07:48 – Final takeaway: have the emotion, not the emotional decisionLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

What separates people who successfully build wealth through property from those who stay stuck? After thousands of coaching sessions, buyer enquiries, property purchases and podcast interviews, John Pidgeon has seen the patterns firsthand. John is the Director of Envisage Property, co-host of the property podcasts This Is Property and a regular contributor on Money Money Money, as well as the bestselling author of Sort Your Property Out & Build Your Future. Over the years, he's helped thousands of Australians navigate their property journey through coaching, buyer's advocacy, lending strategy and education. He’s joined by Ben Kingsley and Couch Crew Luke Oxenham to unpack the biggest lessons from more than 10,000 property conversations, including the mindset shifts successful investors share, the mistakes that quietly hold people back, and why taking action often matters more than finding the perfect strategy. You'll learn: ✔️ The common traits successful investors share ✔️ Why procrastination can be your most expensive mistake ✔️ The role mindset, action and leverage (not just borrowing leverage, either!)play in wealth creation ✔️ How to think about property during uncertain times ✔️ The questions investors are asking right now in 2026 ✔️ Why wealth building is a process, not an event   Because as John explains, after 10,000 property conversations, success rarely comes down to finding the perfect property — it comes down to making consistently good decisions over time. Listen now!   FREE STUFF MENTIONED📊 Get EOFY Ready With Moorr Still using spreadsheets to manage your investment properties? With EOFY Get EOFY-ready with Moorr. Track expenses, mortgages and ATO categories in one secure platform, built specifically for property investors. 👉 Free on web and mobile. Get started today 🚀  🤝 Find out more about John Pidgeon Want to learn more? Connect with John through Envisage Property, This is Property podcast, or check out his bestselling book, “Sort Your Property Out & Build Your Future.”  LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

You’re not just the actor in your story. You’re the person who can rewrite the script.In this Throwback Tuesday episode, Bryce and Jaemin Frazer unpack how the beliefs we carry about ourselves can shape our confidence, identity and future... and why real change starts when we stop being a passenger in our own lives.For the original episode, tune in here: Episode 270 | How to Recover When You’ve Lost Everything. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Shane and Evan Lucas unpack a much bigger issue than the usual property or tax headline:has the social contract around work, education and getting ahead been broken?Evan argues that the current debate around intergenerational inequality is focusing too heavily on the margins while missing the core problem.For many Australians, the traditional path of studying hard, working hard, and moving forward financially does not feel as reliable as it once did. Education costs more, HELP debts are larger, taxes bite earlier, and the reward for extra effort can feel less clear.This episode explores the deeper structural issues behind the frustration many people feel — and why the real conversation needs to go beyond surface-level policy fixes.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/⏱️ Timestamps00:09 – Welcome back to Friday Fundamentals00:20 – Evan’s hill to die on00:37 – Why the intergenerational equality debate feels off00:55 – The old promise: work hard and get ahead01:12 – Why education used to deliver a bigger payoff01:52 – What changed after the GFC02:19 – HELP debt, inflation and the cost of getting ahead03:17 – Why the incentive structure feels broken04:13 – Is the government too reliant on one type of tax revenue?05:26 – Why this debate is bigger than CGT and negative gearing06:32 – Could tax bracket indexation help?07:26 – Younger workers, older wealth and structural imbalance08:39 – Final thoughts and what actually needs fixingLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

With EOFY fast approaching, Ben is joined by BanTacs tax expert Julia Hartman and Couch Crew and Senior Empower Wealth Tax Advisor, Danish Ahmed to unpack the latest tax developments impacting property investors... This episode covers: ✅ The ATO's newly-finalised holiday home rules✅ What qualifies as a "new build" (and where the loopholes and unanswered questions still exist)✅ How unused super contribution caps can create valuable tax planning opportunities before 30 June ✅ Why negative gearing hasn't disappeared — it's simply become a deferred tax benefit ✅ The biggest misconception investors have about property values, and why residential real estate behaves completely differently from shares and other asset classes Plus, Ben breaks down the concept of price discovery and explains why scarcity, emotion and owner-occupier demand remain the biggest drivers of long-term property performance. Listen now! FREE STUFF MENTIONED📅 Free 15-Minute Tax Consultation With EOFY approaching, book a complimentary consultation with a qualified tax accountant to discuss tax planning opportunities and investment property strategies. 👉 Book your free initial consultation today   📊 Moorr: You’re Home for all Your Financial Needs Click on the titles below to find out more about each feature, or create an account or login or download into the Moorr App today! Property Research & Suburb Search Explore 17 suburb metrics, historical trends, demand indicators and property research tools designed to help investors make smarter decisions. Negative Gearing Calculator Model the difference between immediate tax benefits and deferred tax benefits under the proposed negative gearing changes using Moorr's new calculator tools. 📰 Read Julia’s Articles:  A Quick Budget Fact Sheet for Residential Property Investors No Deduction at all for Holding Costs on Holiday Homes! Utilising Your Unused Superannuation Caps How to make your own super contributions – Updated 29/05/2026  LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

The RBA just hit pause... holding the cash rate at 4.35% after three hikes in a row this year. And the vote was unanimous, with all nine Board members backing the hold.Ben Kingsley and economist Evan Lucas break down what the unanimous decision really signals, why the RBA's own inflation forecasts still have them cautious, and whether this is genuinely the peak... or just the calm before more pain.💡 Thinking about refinancing or adjusting your loan strategy? Let the Empower Wealth Mortgage Broking team help you compare your options.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Shane Pope and Luke Oxenham tackle a very practical question:If you already own property, what’s the smartest next move?With the tax landscape changing and investors reassessing their options, this conversation explores why growth still matters most — and why your principal place of residence may be more important than ever in shaping your next step.Shane and Luke unpack the idea of improving your home, releasing equity, and getting positioned to act while others are still sitting on the sidelines.They also discuss why the current environment may be creating a rare opportunity for upgraders, particularly with fewer investors competing in the market.If you already own property and you’re trying to work out what comes next, this is a timely one.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/⏱️ Timestamps00:29 – Welcome back to Friday Fundamentals00:57 – Why this question matters right now01:28 – If you already own property, what’s the smartest next move?01:39 – Shane’s “PPOR maxing” strategy02:01 – Has growth become even more important than tax benefits?03:01 – Improving your home and releasing equity03:50 – What changed for investors and lenders04:41 – Why principal place of residence strategy matters more now05:24 – Why upgraders may be in a stronger position05:59 – What happens when investors pull back from the market06:17 – Is now the time to jump to the next rung?07:00 – Final thoughts and send in your questionsLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

The rules may be changing, but the fundamentals haven’t.As proposed negative gearing reforms dominate headlines, many investors are asking the same question:Should I rethink my strategy?To help answer that, Ben Kingsley welcomes Lachlan Delahunty, Founder of Follio and a property professional who has been involved in more than $2 billion worth of property acquisitions.Together, they explore what really drives long-term property performance and why some investors risk being distracted by tax outcomes rather than investment fundamentals.In this episode, you’ll learn:Why negative gearing was never the strategy — capital growth wasThe difference between commutable and non-commutable regional marketsWhy some regional locations thrive while others experience boom-bust cyclesThe investment-grade framework: Location, Land, AssetHow scarcity, agglomeration and demographic trends influence property valuesWhy guaranteed returns, social media hype and thinly traded regional markets can create significant risks for investorsAs Lachlan reminds listeners:“The rent keeps you in the market. Growth creates the wealth.”But perhaps the biggest message from this conversation is even simpler:Good property is still good property.Governments change.Policies change.Markets change.But the fundamentals that drive long-term wealth creation remain remarkably consistent.  FREE STUFF MENTIONED🎥 Property Prices After Tax Reform: Fact vs Fiction (Replay + Slide Deck)Ben’s webinar replay is now available on demand, along with the downloadable slide deck that explores:What really drives long-term property growthScarcity and land appreciationThe potential impacts of negative gearing and CGT changesWinners, losers and unintended consequences of the proposed reforms👉 Access the replay and download the slide deck: thepropertycouch.com.au/webinar📊 Negative Gearing Analysis Tool (Moorr)Compare property scenarios side-by-side and model the impact of:Negative gearingDeferred tax benefitsCash flow changesDifferent investment property scenarios👉 Explore the tool: moorr.com.au/negative-gearing-analysis-tool TIMESTAMPS 00:00 – Negative Gearing Is Not Gone: What Investors Need To Know03:48 – The Money Habits That Shaped A $2 Billion Property Career12:08 – Negative Gearing Was Never The Strategy19:19 – Regional Markets: Opportunity or Trap?23:26 – The Investment Grade Framework: Location, Land & Asset28:40 – Commutable vs Non-Commutable Regional Markets42:54 – Guaranteed Returns, Hype & Regional Risk53:16 – Why Fundamentals Still Matter58:49 – Lachlan’s Final Message To InvestorsLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Feeling uncertain about where to buy next?With so much noise in the property market right now, it’s easy to get caught up in headlines, opinions and speculation. But as Ben Kingsley and Connor explain in this bonus episode, one of the best ways to cut through the confusion is to come back to the data.In this episode, they unpack how investors can start narrowing down Australia’s 30,000+ suburbs by looking at key property metrics such as typical value, yield, weekly rent, vacancy rates, days on market and demand-supply signals.They also explore why suburb-level data is only the starting point, how side-by-side suburb comparisons can help investors build a smarter shortlist, and why property-level research still matters before making any decisions.Whether you’re just starting your property search or trying to refine your next investment location, this episode will help you think more clearly about where to begin.Free Resources Mentioned:Explore Moorr’s Property Research Tools >Create Free Moorr Account (Free Webinar) Property in 2026: Sell, Hold or Optimise Timestamps:00:00 – Using Data to Cut Through Uncertainty 01:10 – Introducing Moorr’s Suburb Search 02:17 – Choosing Your Search Criteria 03:44 – Exploring the Key Filters 04:31 – Building a Suburb Shortlist 06:03 – Comparing Suburb Trends 07:05 – Why Property-Level Research Still Matters 07:42 – Reading the Demand-Supply Signals 08:27 – How Filters Help You Find the Right Suburbs 09:21 – Using Comparison Tools to Refine Your Shortlist 09:59 – More Property Tools Coming Soon 11:11 – Upcoming Property WebinarListen now to learn how to stop guessing and start researching with more confidence. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, KD and Brett Burton unpack a powerful idea:it’s okay to do one thing really, really well.From an unforgettable 80s concert story to lessons from high-performance sport and business, this conversation explores why so many people spread themselves too thin — and why the better path is often to identify your strengths, refine them, and lean into them.They talk about the value of specialising earlier, knowing your “weapon”, and resisting the urge to be everything to everyone.If you’ve ever struggled with self-doubt, overcommitting, or trying to fix every weakness at once, this episode offers a refreshing reminder to focus on what you do best.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/⏱️ Timestamps00:15 – Welcome back to Friday Fundamentals00:27 – KD and Brett take the mic00:53 – The hill: it’s okay to do one thing really well01:00 – The Bananarama concert story that inspired it02:27 – Why specialising matters more than we think03:08 – Brett on “bring your weapon”04:00 – Why high performers know their strengths05:06 – The trap of trying to be everything to everyone06:00 – Why we focus too much on weaknesses07:00 – Surviving vs thriving08:00 – What it looks like to lean into your strengths08:50 – Final thoughts and your hill to die onLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

600 episodes. Thousands of conversations. One incredible community. And if there's one thing we've learned along the way... Success rarely follows a straight line. Few stories prove that better than John McGrath's. A 95/500 HSC. A football career ended by a doctor's verdict, and a pivot that led to one of Australia's most recognisable property empires. For our 600th milestone, we went big. Ben sits down with John McGrath and Tom Panos: two of the most trusted voices in Australian real estate, for a conversation that's equal parts origin story, market reality check and a few things the government probably doesn't want said out loud. They cover John's remarkable rise, the mindset and habits that built an empire, and a no-holds-barred breakdown of the Federal Budget changes: what do they actually mean for the younger generation and first-home buyers already struggling to get onto the property ladder? FREE STUFF MENTIONED📊 NEW: Negative Gearing Calculator The rules have changed but your strategy doesn't have to suffer. Run your numbers, compare the old vs new settings side-by-side, and see exactly what the budget changes mean for your cashflow and portfolio inside the web version of Moorr.  👉 Knowledge is power. Use it.  🧠 Take The Property Couch Quiz  We've launched a brand-new website designed to help you cut through 600+ episodes and find the content most relevant to your property journey. 👉 Complete the quiz and tailor your experience 📅 Book A Pre-EOFY Tax Planning Chat  June 30 doesn't wait for anyone. If you're still thinking "I'll get to it soon", soon is now. Get ahead of the end-of-financial-year rush, access our free resources, and make sure you're not leaving money on the table when the clock runs out. 👉 Find out more!  LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

You’ve saved the deposit. You’ve done the hard yards. You’re ready to get into the property market. But then comes the big question: Will the bank actually lend you the money?As Bryce and Ben explain in this Throwback Tuesday episode, a strong deposit is a great start, but it’s only one part of the picture. For the original episode, tune in here: Episode 88 | Q&A – Investing in Newly Developed Areas, Getting into the Property Market, Career as a Buyers Agent and more.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Ben and Polly unpack one of the most important investing skills you can build:Critical Thinking.The conversation centres on the growing number of “guaranteed return” propositions showing up in property investing — and why those promises should always be challenged.From guaranteed rent to guaranteed growth, they break down why the real issue isn’t just the headline offer, but the downside risk that often gets ignored.If a property underperforms, loses value, or leaves you with reduced flexibility, a small guarantee may not come close to covering the real cost.This episode explores the questions every investor should ask, the red flags to watch for, and why thinking critically before you sign anything is one of the most important habits you can build.Got a question or a something you wish you knew earlier?Send it through here 👉 https://thepropertycouch.com.au/topics/LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

You found the property. You've secured finance. You've survived inspections...Now comes the paperwork that can make (or break) the deal.In Part 3 of our Buying a Home series, Ben is joined by Nicole Faid and Kirsty “KD” Dunphey to unpack the legal side of buying property, and reveal the hidden risks buyers often don't discover until it's too late.Inside: ✔️ Why "submitting an offer" may already legally bind you✔️ The clauses Nicole NEVER buys without✔️ Subject-to-finance and building & pest traps explained✔️ Why cheap contract reviews can cost you later✔️ Settlement surprises most buyers never budget for✔️ The red flags hidden inside contracts and apartmentsThis wraps up our Buying a Home mini-series:🏠 593 | Borrowing, Deposits & Pre-Approval (Buying a Home | Part 1)🔎 595 | Building Inspections, Hidden Defects & A Risky Govt Proposal (Buying a Home | Part 2) – Chat with Paul Baker & Myles ClarkFree Stuff Mentioned📊 Free Property & Suburb ReportsWant to see what tax reforms and market shifts could mean for demand in your area? Access free suburb reports, including demand and supply insights through Moorr.  👉 Get the latest insights now 🌐 Explore The New Property Couch WebsiteWe've launched a brand-new website designed to help you cut through 600+ episodes and find the content most relevant to your property journey. 👉 Complete the quiz and tailor your experience 📅 Book A Free Tax Planning ChatBefore 30 June rolls around, now's the time to think tax planning, especially if you own investment properties.  👉 Book a free 15-minute chat with the team.Find out more about Nicole & Accord Conveyancing, or listen to her other TPC episodes here. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Building new often gets a bad rap when we’re talking about property. But what if you’re not building purely for investment?In this Throwback Tuesday episode, Bryce and Ben unpack when building new actually makes sense and what to consider before choosing land, location and design for your future family home.For the original episode, tune in here: Episode 259 | Q&A: A Tax-Saving Hack For An Offset Account, The Simplest Way to Keep Track of Your Properties and How To Distinguish “Emotional Value” from “Property Value”.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Ben is joined by building inspector Paul Baker to unpack one of the most common causes of property damage:Water.It comes from everywhere — leaking gutters, under-slab plumbing issues, failed waterproofing, cracked grout, balconies, bathrooms, and more.And according to Paul, it’s behind the vast majority of the issues he sees in homes.This conversation breaks down why water causes so much damage, what warning signs buyers and owners should look out for, and why some “small” issues can turn into very expensive repairs if they’re ignored.If you’re buying, selling, renovating, or maintaining a property, this is a practical episode with real value.Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Negative gearing reforms. Capital gains tax changes. Trust adjustments. Housing affordability measures. Productivity promises. Beyond the latest Federal Budget headlines… what are the real consequences? This week, Ben is joined by David Robertson, Chief Economist, Head of Economic and Markets Research at Bendigo and Adelaide Bank, and Evan Lucas, Market Commentator, to unpack one of the most ambitious (and controversial) budgets in decades. Together they explore: 💰 What tax reform could mean for investors 📉 Will borrowing power and investor behaviour change? 📊 Could this create a two-tier property market? 🤖 Why AI and productivity may become Australia's next growth story Plus: the unintended consequences nobody seems to be talking about... It’s a sharp look into where Australia’s economy is heading with these tsunami reforms.  Tune in now!  FREE STUFF MENTIONED(FREE WEBINAR) Property Prices After Tax Reform: Fact vs Fiction With major changes to negative gearing and capital gains tax now on the table, what does this mean for property prices, investors, first-home buyers and renters? Join Ben LIVE as he cuts through the headlines to unpack the potential winners, losers and unintended consequences shaping Australia’s property market. 🗓 Tuesday, 26th May ⏰ 7:30pm AEST 👉 Register Free Here Mortgage Hacks Video Series Cashflow feeling tight? Ben’s got 6 short videos packed with practical mortgage hacks that could put hundreds of dollars back in your pocket every month.  👉 Listen now! Listen Evan’s Podcast: Exchanges with Evan Lucas Missed our thoughts on the 2026 Federal Budget? Listen to 597 | Federal Budget 2026: Are YOU a Winner or Loser? (Property Edition) LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Ben Kingsley sits down with Senator Andrew Bragg, Liberal Senator and Shadow Minister for Housing and Homelessness, for a wide-ranging conversation on the future of housing, tax reform, productivity and Australia’s economic direction.In this special interview, they unpack the proposed changes to negative gearing and capital gains tax, the growing challenge of housing affordability, construction bottlenecks, energy policy, lending restrictions and what all of this could mean for everyday Australians trying to build wealth through property.They also explore whether Australia’s housing crisis is really a supply issue, how productivity and red tape are impacting new home construction, and why borrowing capacity rules may be creating unintended consequences across the property market. Plus, Ben asks the big question many investors are wondering right now: Will the proposed tax reforms actually improve affordability… or could they create a two-tier property market? If you want a deeper understanding of the policy debate shaping Australia’s property market, this is an episode you won’t want to miss.  Free Stuff MentionedRegister for our upcoming webinar: Property Prices After Tax Reform: Fact vs Fiction 👇https://thepropertycouch.com.au/registernow  Timestamps 00:00 – Introducing Senator Andrew Bragg00:59 – Early life, money lessons and investing03:30 – What Did the Budget Get Right?04:16 – Shovel-ready housing and infrastructure05:19 – Housing supply, migration and skills shortages06:45 – Redistribution vs aspiration08:31 – Productivity and building more homes11:15 – Could a Simpler Building Code Help Build More Homes?13:52 – Modular homes, tiny homes and cheaper builds16:10 – Will banks finance alternative housing?17:58 – Lending rules, APRA and borrowing capacity18:31 – Investors competing with first home buyers22:20 – How Do We Fix Australia’s Energy Problem?25:09 – AI, data centres and economic growth26:46 – Negative gearing and CGT changes28:38 – Will the reforms help first home buyers?30:40 – Could this create a two-tier property market?31:04 – Housing fairness or revenue raising?33:20 – Negative gearing as a “moment in time”34:14 – Who really gets locked out?36:19 – Capital gains tax and younger Australians39:55 – Quick-fire housing questions40:50 – One housing reform to pass immediately42:06 – Ben’s final reflections43:45 – Upcoming webinar: Property Prices After Tax ReformLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

In this Friday Fundamentals episode, Ben is joined by Evan Lucas to unpack a bold policy idea for first home buyers.Evan’s hill to die on?Australia should use a super-like system to help people save for their first home deposit.Instead of relying on grants, 5% deposit schemes, or capped first home buyer programmes, he argues that the super infrastructure already exists and could be used much more effectively to help people build real deposit savings from the moment they enter the workforce.The conversation explores how the model could work, why saving a deposit remains one of the biggest barriers to home ownership, and the pros and cons of linking long-term retirement savings with first home access.It’s a big idea — and one that’s guaranteed to spark opinions.What do you think? Got your own hill to die on? Send it through here: https://thepropertycouch.com.au/topics/LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

The 2026 Federal Budget just changed the property landscape... and not in the ways most people expected.Recorded the day after the announcement, this special emergency episode brings Bryce back to the couch with Ben for an unfiltered, fast-thinking breakdown of what actually happened and what it means for property investors.Negative gearing has changed. CGT treatment has shifted. Regional markets are exposed. And as Bryce puts it: "Location now does 90% of the heavy lifting."In this episode, they unpack:The unintended consequences already taking shapeWhat these changes actually mean for investors (beyond the headlines)Whether affordability for first-home buyers will genuinely improveWhy rents could rise further (not fall)Which markets are most at risk right nowAnd the clear-headed question every investor should be asking: what do I do next?This is just the start of our Budget analysis. Deeper economic unpacking is coming in future episodes but if you want to understand the lay of the land before the dust settles, start here.FREE STUFF MENTIONED(FREE WEBINAR) Property Prices After Tax Reform: Fact vs FictionThe Federal Budget has landed… and with it, major changes to negative gearing and capital gains tax, but what does this actually mean for property investors? In this LIVE webinar, Ben uncovers what this means for property prices, investors, first-home buyers and renters across Australia.  🗓 Tuesday, 26th May ⏰ 7:30pm AEST👉 Register Free HereHow To Retire On $3K A Week 📘 The evergreen investing framework Ben & Bryce reference throughout this episode. Learn the long-term principles behind building financial peace through property and money management. 👉 Get Your Free Copy TodayLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

TPC Gold has a new name… say hello to Throwback Tuesdays 👋Same timeless property investing insights from the archives, just with a fresh new label. In this one, former FBI hostage negotiator Chris Voss explains why silence creates uncertainty… and uncertainty creates anxiety.Bryce, Ben and Chris unpack how regular communication builds trust, why even “there’s no update yet” can be reassuring, and how these lessons apply to property, business and everyday negotiations.For the original episode, tune in here: Episode 457 | FBI Hostage Negotiation Masterclass on Why You Should Never Split the Difference.LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

Welcome back to The Hill I’ll Die On, our Friday mini-series where we unpack big questions from the community.This week, Shane and Luke tackle a topic that sparks plenty of debate:Is it actually harder for young people to buy property today — and is it someone else’s responsibility to fix it?They explore the gap between income and property prices, the impact of changing economic conditions, and why expectations around first home ownership may need to shift.At the same time, they discuss the importance of starting somewhere, making compromises, and focusing on what’s achievable rather than ideal.It’s a balanced, honest conversation that cuts through the noise and gets to the heart of what matters for first home buyers today.Content mentioned in this episode here 👉 593 | How to Buy a Home (The Right Way) - Part 1Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

What if the biggest property mistake isn’t what you buy… but what you do next?In our latest Q&A episode, Ben K is joined by Couch Crew Polly & Ben T (Fellow QPIAs) to unpack three real investor dilemmas that don’t have easy answers:🏡 A regional property surges 60%… do you cash out or stay in?💰 Sell an investment to eliminate your home loan… or keep building wealth?👯 Combine forces to buy better… or go solo and keep control? This episode breaks down:The difference between market value vs fair valueWhy timing matters more in regional marketsThe hidden costs most investors overlook (insurance, tax, friction)And the question that matters most:What job is this property actually doing for you?Because in the end… The best decision isn’t the one that looks smartest on paper, it’s the one that aligns with your life. Listen now! P.S. 🚨 Bryce is BACK next week!The Federal Budget is dropping… and Ben & Bryce will be back on the couch together for a special edition episode to unpack the BIG changes impacting property owners, investors and your money. 💥  FREE STUFF MENTIONED💸 Mortgage Hacks Video Series Cashflow feeling tight? Ben's got 6 short videos packed with practical mortgage hacks that could put hundreds of dollars back in your pocket every month. 👉 Listen now! 📱 The Moorr App: Free to DownloadWe're closing in on 100,000 downloads and we're now the #1 rated money management & budgeting app on iOS.  Asset tracking, automated transactions, property research; and did we mention it's free? 👉 Harness the latest money management tools and systems🎙️ Regional Property Webinar.We've got a follow-up webinar dropping post-Federal Budget. Watch this space...LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

The RBA just hiked again... and this time it wasn't even close. Eight members voted to raise the cash rate to 4.35%. Only one dissented. Ben Kingsley and economist Evan Lucas break down what the 8-1 vote really signals, why the RBA's own forecasts should worry you, and what Ben means when he says "winter is coming for the Australian economy." 💡 Thinking about refinancing or adjusting your loan strategy? Let our team help you review your options. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

What if one simple move could put an extra $662 back in your pocket every month… and potentially boost your borrowing power by up to $100,000?In this Friday Fundamentals episode of The Property Couch, Ben Kingsley sits down with tax specialist Danish Ahmed to unpack a time-sensitive HECS/HELP strategy that many Australians don’t even realise exists.With indexation approaching on June 1, this episode walks through a real-life scenario showing how paying down your HECS debt early could help you avoid extra charges, unlock a tax refund, improve your monthly cash flow, and significantly increase your borrowing capacity if you’re planning to buy property.But timing is everything — and missing this window could mean leaving money on the table.If you’ve got a HECS or HELP debt, this is one episode you don’t want to scroll past.Want us to cover your scenario? Submit your question here: https://thepropertycouch.com.au/topics/⏱️TIMESTAMPS00:00 – The $662/month HECS hack explained00:28 – Why this strategy is time-sensitive00:56 – Real example: $120K income + HECS debt02:51 – How indexation impacts your debt04:09 – Unlocking $662 in monthly cash flow05:00 – Boosting borrowing power by $80K–$100K06:08 – Why you must act before June 107:39 – Key takeaways and next steps#ThePropertyCouch #HECS #HELPDebt #BorrowingPower #PropertyInvesting #MoneyManagement #PersonalFinance #AussiePropertyLISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube

A $700 inspection could save you $70,000.In Part 2 of our How to Buy a Home series, Ben is joined by leading building inspectors Paul Baker and Miles Clark to unpack one of the most overlooked and financially risky parts of buying property: building and pest inspections.You’ll learn:✔️ What a good inspection should (and shouldn’t) cover✔️ How to interpret “major defects” without panicking✔️ The red flags inspectors look for in older homes✔️ How to choose the right inspector (and avoid costly mistakes)✔️ Why Victoria’s proposed pre-purchase inspection reforms could have unintended consequences for buyers=Plus, we unpack a controversial proposal that could make vendor-supplied building reports mandatory… and why many in the industry are sounding the alarm.🎧 Listen now.FREE STUFF MENTIONEDCatch Up On Part 1 of the Buying a Home Series 🎧Missed Episode 593 on borrowing, search strategy and buying decisions? Start there.Victorian Petition on Rental Reform ✍ (CLOSES 1 MAY) Support the petition discussed in the episode: Victorian Parliament Petition (VIC residents only)Change.org Petition (open to all)Find a Qualified Building Inspector 🔍Learn more about credentials and due diligence through the Victorian Association of Home Inspectors and trusted inspection providers. Find out more about Paul & Myles: 👉 Inside Out Property Inspections (Paul Baker)👉 Aus Property Reports (Myles Clark)Read the REIV's "A Blueprint for Marketing of Residential Real Estate in Victoria” (what kickstarted Victoria’s new inspection proposal) LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform:  https://www.moorr.com.au/      FREE MASTERCLASS:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube