The Property Portfolio Podcast

Self Managed Super Fund Australia: Pros, Cons & Is It Worth It in 2026? --- If you're considering a self managed super fund in Australia, you may have heard that the new 2026 SMSF rules have changed the way investors can use property. But what has actually changed — and does it mean SMSF property investment is dead? In this episode, we break down the SMSF borrowing rules in 2026, including what the changes mean for residential property, existing SMSF property investments and investors who still want to use borrowing. We also look at why commercial property and business real property have become much more important for SMSF investors, and why simply finding a high-yield property isn't enough. The big takeaway? SMSF property investment hasn't disappeared — but it has become more specialised. The property, tenant, lease, price, liquidity and overall purpose of the investment all need to work together. If you're asking “Is an SMSF worth it in 2026?” or considering an SMSF property strategy, this conversation will help you understand what has changed and what you need to think about next. --- TIMESTAMPS 00:00 | Recap 00:58 | What Changed for SMSFs in 2026? 02:21 | New SMSF Rules: Can You Still Buy Residential Property? 05:00 | Is SMSF Commercial Property Investment Right for You? 07:42 | What Makes a Property Business Real Property? 09:02 | Why SMSF Commercial Property Is Different? 16:04 | SMSF Property for Business Owners: How Does It Work? 17:50 | The 7P Framework for Commercial Property 22:44 | SMSF Property Investment: Mistakes to Avoid 25:49 | Is SMSF Property Investment Dead?

Sydney Suburbs Guide: Oakdale, Fairfield, Willmot, Woodbine, Bow Bowing | EP 29 --- Thinking about buying property in Sydney? Watch this before you choose the wrong suburb. In Episode 29 of The Property Portfolio Podcast, Parag Dixit and Julius Dabre break down 5 Sydney locations where buyers and investors may need to be extra cautious: Oakdale, Fairfield, Willmot, Woodbine and Bow Bowing. This episode is not about calling suburbs “bad”. It is about understanding why some areas may carry more risk for capital growth, liquidity, rental yield, resale demand or long-term investment performance. Parag and Julius discuss the key issues buyers should look for before purchasing in Sydney, including bushfire zones, flood risk, council restrictions, poor transport access, low rental yields, high insurance costs, public housing concentration, small block sizes, sloping land, highway noise, weak owner-occupier demand and limited development upside. The episode also explains why cheap property is not always the best property, why popular or affordable suburbs can still have hidden risks, and why investors should look beyond median prices before making a decision. Suburbs discussed in this episode: - Oakdale - Fairfield - Willmot - Woodbine - Bow Bowing You’ll also hear alternative suburb suggestions and what type of property may make more sense instead, including areas with better transport, stronger owner-occupier demand, larger land sizes, flood-free blocks and better long-term fundamentals. If you are researching Sydney suburbs, Sydney property investing, where to buy in Sydney, suburbs to avoid in Sydney, first home buyer locations, investment property risks or the Sydney property market in 2026, this episode gives you a practical framework before you buy. Watch more episodes of The Property Portfolio Podcast for Australian property market insights, suburb research, lending discussions, investment strategy and long-term property portfolio conversations. --- TIMESTAMPS 00:00 | Recap 00:41 | Introduction and 5 Sydney suburbs to avoid 03:22 | Is Oakdale too risky for lifestyle buyers? 10:04 | Where should you buy instead of Oakdale? 12:44 | Why do floods and council rules hurt parts of Fairfield? 17:36 | Which suburbs beat Fairfield for safer, flood-free blocks? 18:43 | Why is Willmot cheap, and what holds it back? 27:27 | How do Woodbine’s slope and highway noise impact value? 34:51 | Are Bow Bowing’s tiny blocks dragging it down? 39:41 | Should you pick Minto over Bow Bowing? 41:21 | What core rules should you use to assess Sydney suburbs? 42:56 | Final takeaways on choosing stronger Sydney suburbs

Mining towns can offer strong rental yields, with some areas showing 8% to 12% yield potential. --- Are mining towns worth the high yield property risk in 2026? In Episode 28 of The Property Portfolio Podcast, Julius Dabre and Raymond from Perth discuss mining town property investing and whether these markets are a smart cash flow opportunity or a high-risk trap for investors. Mining towns can offer strong rental yields, with some areas showing 8% to 12% yield potential. But high yield alone is not enough. This episode looks at the bigger questions investors should ask before buying in mining towns across Western Australia and Queensland. The discussion covers Kalgoorlie, Port Hedland, Karratha, commodity cycles, gold, iron ore, lithium, coal towns, corporate leases, rental demand, employment diversification, remote property challenges, lending restrictions, infrastructure, exit strategy and portfolio cash flow. Julius and Raymond also break down why some mining towns may suit experienced investors with multiple properties who need cash flow to sustain their portfolio, while they may not be the right fit for early-stage investors chasing quick capital growth. The key question is not just which mining town has the highest yield. It is which town has the strongest reason to keep thriving after the commodity cycle changes. If you are researching mining town property investment, high-yield Australian property, regional investing, cash flow properties, WA property markets or Queensland mining towns, this episode gives you a practical framework for thinking through the opportunity and the risk. Watch more episodes of The Property Portfolio Podcast for Australian property market insights, suburb research, investment strategy, lending discussions and long-term portfolio conversations. --- TIMESTAMPS 00:56 | Mining towns and property investing 02:23 | What makes one mining town safer than another? 03:25 | How does the commodity cycle affect mining towns? 05:23 | How does infrastructure show if a town will last? 06:52 | Is investing in coal towns just too risky? 07:52 | Why are Kalgoorlie rents and yields so high? 10:49 | What real-world hassles come with remote properties? 13:46 | Which investors are mining town deals really for? 16:10 | How should investors assess yields and exit plans? 18:56 | What questions should you ask before buying in a mining town? 21:02 | Closing thoughts on mining town investing

We Analysed 300+ Sydney Suburbs — These 5 Stood Out | EP 27 --- TIMESTAMPS 00:00 | Introduction and Sydney affordable suburb strategy 03:37 | Suburb 1: Attractive for land and tradies 12:23 | Suburb 2: A tightly held riverfront growth pocket 19:49 | Suburb 3: A hidden gem near Parramatta CBD 27:06 | Suburb 4: Delivers sub-$1m houses with strong yields 34:54 | Suburb 5: Transforming into a gentrified growth hub 42:55 | Bonus Suburb: The ultimate low-density lifestyle play 49:06 | Wrapping up Sydney’s affordable high-growth suburbs and next steps

Why Investors Are Still Buying in Sydney | Property Market Outlook 2026 | EP 26 --- TIMESTAMPS 00:00 | Introduction & Sydney property market overview 05:26 | Why does Sydney attract buyers despite low affordability? 13:16 | How does Sydney's land area affect its investment potential? 17:50 | How should investors read Sydney’s population and demographics? 23:50 | Why do neighbouring suburbs perform so differently? 29:04 | How reliable are “top 10 suburb” rankings and data? 33:04 | How many suburbs should you really consider? 36:45 | Should first home buyers prioritise lifestyle or affordability? 39:46 | Do premium suburbs make good investments in downturns? 47:13 | Is one expensive property better than two cheaper ones? 53:57 | Why are investors still betting on Sydney long term? 56:06 | Key takeaways on investing in Sydney

In this episode, Parag Dixit and Mudit Khandelwal discuss how the Australian property market is shifting for first home buyers. --- Is this the right time for Australian first home buyers and upgraders to buy property? In Episode 25 of The Property Portfolio Podcast, Parag Dixit and Mudit Khandelwal discuss how the Australian property market is shifting for first home buyers and home upgraders. With interest rates, inflation, cost of living pressure, limited housing supply, changing government rules and uncertain buyer confidence, many Australians are asking the same question: should I buy property now or wait? This episode breaks down whether the current market is becoming more buyer-friendly, why some vendors are more open to negotiation, how first home buyers may benefit from government incentives, and why upgraders may have a unique opportunity in the higher-price property segment. Parag and Mudit also discuss the fear of buying too early, the risk of waiting for interest rates to fall, the cost of inaction, bridging finance, selling before buying, and how one upgrader was able to save over $100,000 by understanding the market properly. If you are a first home buyer, upgrader, property buyer or someone trying to understand the Australian property market, this episode will help you think through your numbers, risks and next steps more clearly. Topics covered: - Australian property market - First home buyers Australia - Home upgraders Australia - Is now a good time to buy property? - Should you wait for interest rates to fall? - Property buying in Australia - Buyer-friendly property market - Government incentives for first home buyers - Bridging finance for upgraders - Buying before selling - Cost of waiting in the property market - Borrowing capacity and repayments - Property market uncertainty - Australian real estate trends Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and practical property investment conversations. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 | Introduction & Market Overview 06:42 | Is this a buyer-friendly market at the moment? 07:59 | How are first home buyers and upgraders benefiting? 18:11 | Should you wait for interest rates to fall before buying? 21:51 | How can upgraders plan selling, buying and bridging? 24:53 | How did one upgrader save over $100k in this market? 27:17 | How should first home buyers use government incentives? 29:53 | How are new rules shifting investors vs first home buyers? 37:44 | Key buying decisions and final advice

EP24 covers 5 Melbourne suburbs investors should watch, including Caulfield East, The Patch, Rockbank, Broadmeadows and Manor Lakes, plus key risks. --- Are these Melbourne suburbs an investor trap? In Episode 24 of The Property Portfolio Podcast, Parag Dixit and Julius break down 5 Melbourne suburbs investors should be careful with before buying. This episode is not about calling these suburbs bad places to live. Some of them may suit owner-occupiers, lifestyle buyers or people with a very specific reason to buy there. The real question is: do they make sense from an investment point of view? The discussion looks at Caulfield East, The Patch, Rockbank, Broadmeadows and Manor Lakes, and explains why investors need to think carefully about oversupply, weak rental demand, poor liquidity, low land scarcity, airport overlays, high holding costs, student-heavy apartments and limited capital growth. The hosts also compare these areas with nearby alternatives such as Carnegie, Murrumbeena, Ringwood East, Mooroolbark, Ardeer, St Albans, Glenroy, Hadfield, Hoppers Crossing and Altona Meadows. If you are researching the Melbourne property market, affordable suburbs, investment risks, rental yield, capital growth, land scarcity or where to buy property in Australia, this episode will help you understand what to check before buying. Topics covered: - Melbourne property market - Melbourne investment suburbs - Melbourne property red flags - Suburbs investors should be careful with - Caulfield East property market - The Patch property market - Rockbank property market - Broadmeadows property market - Manor Lakes property market - Property oversupply Melbourne - Rental yield vs net return - Land scarcity and capital growth - Australian property investing - Property investment Australia - First home buyer suburbs Melbourne - Investment property mistakes Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and long-term property investment strategy. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 | Introduction 01:40 | Why this episode matters 02:35 | How the 5 suburbs were chosen 02:58 | Suburb 1 – Caulfield East: student units and volatility 08:21 | Caulfield East: yield myths and heavy marketing 10:17 | Swapping Caulfield East for Carnegie or Murrumbeena 12:49 | Suburb 2 – The Patch: lifestyle dream vs investment risk 18:32 | The Patch: better options in Ringwood East and Mooroolbark 22:03 | Suburb 3 – Rockbank: endless land supply and weak growth 31:16 | Suburb 4 – Broadmeadows: airport overlay, noise and crime 38:04 | Suburb 5 – Manor Lakes: western growth corridor oversupply 45:47 | Final investment principles and key takeaways

Where to Buy in Melbourne in 2026 --- Where should you buy property in Melbourne in 2026? In Episode 23 of The Property Portfolio Podcast, Parag Dixit and Julius break down 5 affordable Melbourne suburbs worth watching, plus 1 bonus suburb buyers and investors should not ignore. Melbourne has underperformed compared to markets like Perth, Adelaide and Brisbane, but that does not mean every part of Melbourne is weak. In this episode, the discussion focuses on specific suburbs where affordability, tight supply, owner-occupier demand, rental demand, infrastructure and long-term growth potential may create better opportunities. The episode covers Melbourne’s current property market, why some investors are exiting Victoria, why rental stock may tighten, how interest rates could change buyer sentiment, and which suburbs may suit first home buyers, investors, upgraders and long-term property buyers. Suburbs discussed in this episode include Derrimut, Deer Park, Lalor, Thomastown, Epping and bonus suburb Carrum Downs. If you are researching the Melbourne property market, affordable suburbs in Melbourne, property investment in Melbourne, first home buyer suburbs, rental yield, capital growth, land banking or where to buy property in Australia, this episode will help you understand what to look for before making a property decision. Topics covered: - Melbourne property market 2026 - Where to buy in Melbourne - Best suburbs to buy in Melbourne - Affordable suburbs in Melbourne - Melbourne property investment - Melbourne investment suburbs - First home buyer suburbs Melbourne - Rental yield Melbourne - Capital growth suburbs Melbourne - Derrimut property market - Deer Park property market - Lalor property market - Thomastown property market - Epping property market - Carrum Downs property market - Australian property investing - Property investment Australia Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and long-term property investment strategy. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 | Introduction 04:03 | How Melbourne’s market is underperforming 06:51 | Why investors are exiting, and rental stock is shrinking 08:51 | Melbourne as a “pocket city” and the role of interest rates 11:19 | How the top 5 affordable Melbourne suburbs were chosen 11:56 | Suburb 1 – Derrimut: landlocked growth hotspot with soaring unit prices 19:16 | Suburb 2 – Deer Park: land banking, subdivision, and first-home buyer demand 26:50 | Suburb 3 – Lalor: last affordable inner-north house pocket with high competition 33:59 | Suburb 4 – Thomastown: big blocks, granny flats, and ripple effects from Reservoir 41:08 | Suburb 5 – Epping: landlocked healthcare hub with strong infrastructure 47:50 | Bonus suburb – Carrum Downs: coastal lifestyle, tight vacancies, and strong yields 55:35 | Final outlook and key takeaways for Melbourne investors

How Australians Are Still Buying Property Despite Rising Living Costs --- Welcome! This is an offline-capable Notepad which is a Progressive Web App. The app serves the following features: - Your notes are saved in real-time as you type. - Installable on supported browsers for offline usage. - "Add To Home Screen" feature on Android-supported devices to launch the app from the home screen. - Dark mode. - Privacy-focused - Never collects your precious data. - Light-weight - Loads almost instantly. - Writing timer. - View Note Statistics. - Snapshots. - Ability to mimic typewriter sound when typing. - Optional break reminders after long writing sessions. - Keyboard shortcuts for common actions. - Focus mode to leave you with a barebones and pristine editor. - Full-screen mode for a distraction-free writing experience. - Floating window (in supported browsers) to effectively take notes across other apps. - Download notes as plain text, PDF, HTML, and DOCX file. - Ability to play ambient noise to help you focus. - It's proudly open-source! CAUTION: Since the app uses the browser's localStorage to store your notes, it's recommended that you take a backup of your notes more often using the "Download Notes" button or by pressing the "ctrl/command + s" keys. Lastly, if you're using Notepad, and want to support the development, you can buy me a coffee — the link of which is available in the About section. ** Delete this text and start writing your notes **The cost of living crisis in Australia is changing more than household budgets. It is changing how Australians buy homes, invest in property and define financial success. In this episode of The Property Portfolio Podcast, we examine how rising grocery bills, utilities, insurance, childcare and mortgage repayments are reshaping decisions across the Australian property market. For many first home buyers in Australia, the goal is no longer to immediately purchase the perfect family home. The focus has shifted towards affordability, repayment comfort and simply finding a realistic way into the market. House prices have risen much faster than incomes, saving a deposit takes longer and higher interest rates have reduced borrowing power across Australia. Buyers are now considering smaller homes, apartments, townhouses, outer suburbs and interstate locations that better fit their financial position. In this episode we discuss • How the cost of living in Australia is affecting property decisions • Why saving for a home deposit now takes much longer • How housing affordability in Australia has changed since the 1990s • Why higher living expenses reduce borrowing power • The impact of inflation and interest rates on mortgage repayments in Australia • Why buyers are choosing smaller homes and more affordable locations • How borderless investing is opening opportunities outside major capital cities • Why rentvesting in Australia is becoming more common • How the Bank of Mum and Dad is helping some buyers enter the market • Government schemes for first home buyers • Why investors are paying closer attention to rental yield in Australia • Capital growth vs rental yield in the current market • How cash flow is changing property investment strategy in Australia • Why lower leverage and sustainable repayments now matter more • Co-ownership, shared buying and alternative paths into property • How Australians are redefining the traditional property dream The conversation also explores why the modern property journey is no longer linear. Some buyers are renting longer. Others are living with family, purchasing interstate or starting with an investment property rather than a home to live in. Many investors are moving away from high-debt, capital-growth-only strategies and focusing on properties that offer stronger rental income and manageable holding costs. Negative gearing in Australia may still form part of an investor’s planning, but tax benefits alone cannot make an unaffordable property sustainable. Cash flow, borrowing capacity, rental demand and long-term holding power must all be considered before making a decision. Technology and access to property data have also made it easier to research opportunities across Australia. Buyers are no longer limited to the suburb or city where they currently live, allowing property investment decisions to be based more on numbers and less on familiarity. The Australian property dream is not necessarily disappearing. It is becoming more personal, flexible and financially disciplined. --- TIMESTAMPS 00:00 | Introduction 07:23 | How Rising Everyday Costs Are Crushing Savings 11:08 | From Aspirational Buying to a Survival Mindset 15:24 | The Avocado Myth and Today’s Deposit Maths 20:36 | House Prices vs Incomes From the 1990s to Today 24:28 | Inflation, Bank Calculators and Borrowing Power 25:02 | RBA Rate Hikes and Purchasing Power 33:39 | Smaller Homes and Borderless Investing 39:21 | Why Investors Now Prioritise Cash Flow 42:26 | Smarter Strategies and Interstate Opportunities 54:29 | Rentvesting, Shared Buying and New Entry Paths 01:01:18 | The Future of Home Ownership 01:04:44 | Redefining the Australian Property Dream

Is Australia Raising a Generation of Renters? --- Will the next generation of Australians ever own a home? In Episode 21 of The Property Portfolio Podcast, Parag Dixit and Mudit Khandelwal discuss why home ownership in Australia is becoming harder for younger buyers and how the path into the property market is changing. House prices have risen far faster than wages. Higher interest rates, rising rents, stricter lending rules and the cost of living in Australia are making it harder to save a deposit and qualify for a loan. But does this mean young Australians will be locked out forever? In this conversation, Parag and Mudit discuss how first home buyers may need to rethink the traditional path to ownership. Instead of waiting to buy the perfect family home, younger buyers may need to consider apartments, townhouses, regional properties, rentvesting or purchasing a first investment property. In this episode we discuss • Why housing affordability in Australia keeps getting worse • Why houses are so expensive compared with income growth • Why buying a house has become harder for young Australians • The growing gap between house prices and wages • How interest rates and living costs affect borrowing power • Why saving the deposit is often the biggest challenge • Whether buying a house is still worth it • How rentvesting can offer another path into the market • Why your first property does not need to be your forever home • How property investing in Australia can support long-term wealth • The difference between asset owners and non-asset owners • Government schemes available to first home buyers • How to buy your first home in a changing market • Why starting early can make a major difference The Australian dream may not be disappearing, but it is changing. For some buyers, home ownership may begin with a smaller property. For others, it may mean renting where they want to live while investing in a more affordable market. If you are researching the Australian property market, affordable housing, real estate investing for beginners, your first investment property or how to build wealth through long-term property investment, this episode will help you understand the options available. --- TIMESTAMPS 00:00 | Introduction 03:00 | Will the Next Generation Ever Own a Home? 06:07 | Why Housing Affordability Keeps Getting Worse 11:34 | Why Property Prices Keep Rising 18:15 | Is the Australian Dream Changing? 23:56 | Rentvesting and a New Way to Build Wealth 33:10 | Why Property Still Builds Long-Term Wealth 37:44 | The Growing Gap Between Asset Owners and Non-Owners 46:55 | Government Schemes That Can Help First Home Buyers 50:06 | The Future of Home Ownership in Australia 55:56 | Final Thoughts and Key Takeaways

Is Perth Still Australia’s Best Property Market in 2026? --- Perth has been one of Australia’s strongest property markets, but the big question now is simple. Is the Perth property boom still creating opportunities, or are some areas already becoming too expensive? In Episode 20 of The Property Portfolio Podcast, Parag Dixit and Julius Dabre discuss the Perth property market, its past corrections, recent growth and what investors should understand before buying in 2026. The conversation covers Perth real estate trends, rising house prices, strong rental demand, infrastructure growth and why investors cannot treat Perth as one single market anymore. In this episode we discuss • Perth property market 2026 and what is driving demand • Perth’s past property correction and what investors can learn from it • Why Perth house prices grew strongly after COVID • Perth housing market predictions and future growth potential • Why suburb selection matters more than ever • Perth rental market and how rising prices affect yields • New home and land packages vs established properties • Why some new builds may carry higher risk • Western Australia property investment opportunities • Perth property market forecast 2026 • How Perth compares with the broader Australian property market • What investors should check before buying in Perth Perth remains attractive for many investors because it still offers a mix of affordability, rental yield and long-term growth potential compared with several other Australian capital cities. However, Parag and Julius explain why the market is becoming more selective. Some suburbs are still supported by strong demand, low supply and infrastructure growth, while others may already be facing pricing pressure and weaker rental returns. This episode is especially useful for investors researching Perth property investment, Perth real estate market trends, house prices Australia, the Australian housing market or Western Australia property opportunities in 2026. --- TIMESTAMPS 00:00 | Introduction 03:03 | Perth’s 40% Property Crash: What Actually Happened? 05:57 | Why Perth Property Prices Boomed After COVID 08:35 | Why Perth Shouldn't Be Treated as One Market 14:30 | You Can’t Just Buy “Wherever in Perth” Anymore 20:03 | When Rising Prices Start Hurting Rental Yields 27:14 | New vs Existing: Paying $150k More for Less Land 35:35 | The Only Australian Capital City Still Offering This Opportunity

Why Everyone's Looking At Affordable Properties Again? --- Positive cash flow properties are becoming a serious conversation again. With interest rates sitting much higher than they were before COVID, many investors are rethinking how they build a sustainable property portfolio in Australia. In Episode 19 of The Property Portfolio Podcast, Parag Dixit and Julius Dabre discuss why affordable investment properties and positive cash flow properties are attracting renewed attention from investors. The conversation focuses on how rising interest rates have changed borrowing capacity, holding costs and property investment strategy. It also explains why investors are now looking beyond pure capital growth and paying closer attention to rental income, affordability and long-term sustainability. In this episode we discuss • What is a positive cash flow property • Why positive cash flow properties are back in demand • How rising interest rates changed property investment Australia • Why cash flow real estate matters in today’s market • How to find positive cash flow properties • The role of affordable investment properties in portfolio planning • Why regional markets are attracting more investors • How rental yields above 5% can support holding power • The balance between capital growth and cash flow property investing • Why passive income Australia investors are reviewing their strategy • Real estate investing for beginners and what to understand before buying • Long term real estate investing and why sustainability matters • How professional advice can help investors avoid poor decisions A positive cash flow property is not just about buying a cheap property with high rent. It is about understanding the full numbers, including repayments, council rates, insurance, maintenance, vacancy risk and future growth potential. Parag and Julius explain why many investors are now building more balanced portfolios, combining growth-focused assets with rental income properties that can help support cash flow over the long term. This episode is especially useful for investors who are asking how to find positive cash flow properties, whether cash flow property investing still works, and how affordable investment properties can fit into a broader property investment strategy. If you are researching property investment Australia, real estate investing for beginners, passive income Australia or long term real estate investing, this episode will help you understand how the market has changed and what investors should consider before making their next move. --- TIMESTAMPS 00:00 | Introduction 02:12 | Why Everyone's Talking About Cash Flow Again 05:23 | Why Higher Interest Rates Changed Property Investing 09:09 | From $1K Loss to $36K Loss on One Property 11:33 | Building a Balanced Property Portfolio 19:28 | The New Sweet Spot for Property Investors 20:50 | Why Cheap Properties Can Cost You More 30:37 | Why Property Investing Is No Longer Set and Forget

EP. 18 | Is Buy & Hold Still the Best Property Investment Strategy? --- Buy and hold sounds simple. Buy an investment property, keep it for the long term and let real estate investing do the work. But in reality, a successful buy and hold real estate strategy depends on much more than just buying and waiting. In Episode 18 of The Property Portfolio Podcast, Mudit and Julius discuss how investors can use a long term property investment approach to build wealth, generate rental income and create a sustainable portfolio over time. The conversation covers recent budget changes, property investment strategy, cash flow planning, suburb selection, leverage, SMSF investing and why buy and hold real estate needs regular review instead of a set and forget mindset. In this episode we discuss • What buy and hold real estate means for Australian investors • Why your investment goal should decide your property investment strategy • How to build wealth with real estate over the long term • The difference between buy and hold and flipping • Why cash flow matters when holding an investment property • How rental income properties can support long term wealth creation • The role of market cycles in long term real estate investing • Why choosing the right suburb is critical • Vacancy rates, rental demand and affordability checks • Metro vs regional property investing • Common mistakes investors should avoid • How leverage and equity can help grow a property portfolio • SMSF property investment and long term planning • Why buy and hold is not the same as buy and forget A buy and hold real estate strategy can be powerful, but only when the property, finance structure and cash flow are aligned with your goals. Mudit and Julius explain why investors need to look beyond short-term market noise and focus on the numbers that matter, including rental yield, borrowing capacity, holding costs, vacancy risk and long term growth potential. If you are researching real estate investing for passive income, looking for your next investment property, or trying to understand whether buy and hold is the right strategy for you, this episode will help you think through the key decisions before buying. --- TIMESTAMPS 00:00 | Introduction 01:56 | Introduction and Investment Strategies 07:13 | Getting Started With Buy and Hold 11:25 | Cash Flow and Holding Power 18:09 | Choosing the Right Property 26:58 | Mistakes and Exit Strategies 33:32 | Finance and Portfolio Growth 41:25 | SMSF and Final Takeaways

EP. 17 | Is Townsville the Next Property Investment Hotspot in 2026? --- Townsville has become one of the most searched property investment markets in Australia, but is there still room for growth? In Episode 17 of ⁨@ThePropertyPortfolioPodcast⁩ , Parag Dixit and Julius take a deep dive into the Townsville property market and discuss why investors across Australia continue to keep this North Queensland city on their radar. With strong population growth, low housing supply, rising rents, affordable entry prices and billions of dollars flowing into infrastructure, defence and mining projects, Townsville is attracting attention from both investors and owner-occupiers. The discussion explores the factors driving Townsville property growth, the suburbs attracting the most demand, rental yields, future development plans and why Townsville continues to stand out in a changing Australian property market. In this episode, we discuss • Why Townsville is becoming one of Australia's most attractive investment destinations • The latest Townsville property market trends and growth drivers • Townsville population growth and its impact on housing demand • Why low housing supply continues to support property prices • Rental yields and opportunities across the Townsville rental market • Key suburbs including Kirwan, Mount Louisa, Bushland Beach and North Ward • Townsville property prices and affordability compared to major cities • Defence Housing Australia and long-term leasing opportunities • Infrastructure, mining, healthcare and education projects shaping the local economy • The future of the Townsville housing market and investment outlook • Buy and hold strategies for long-term property investors • What makes Townsville investment property attractive in 2026 and beyond Townsville has experienced significant growth over recent years, with strong demand from both investors and owner-occupiers. Supported by defence, healthcare, education, tourism, logistics and mining, the city has developed into one of Queensland's most diversified regional economies. The episode also explores how Townsville real estate continues to benefit from strong employment opportunities, infrastructure spending and a growing population. From affordable entry prices to attractive rental returns, the conversation highlights why many investors are considering Townsville property investment as part of their long-term strategy. If you are researching Townsville real estate, following the latest Townsville property news, comparing Townsville property prices, looking at Townsville commercial property opportunities or trying to understand the Townsville property forecast 2026, this episode provides valuable insights into one of Australia's most closely watched regional markets. --- TIMESTAMPS 00:00 | Introduction 02:51 | Why Investors Are Watching Townsville 04:26 | Population Growth and Housing Demand 05:56 | Rental Yields and Affordability 07:41 | Best Suburbs for Investors 09:11 | Townsville's Growth Story 13:01 | Unit Market Opportunities 14:26 | Housing Supply Challenges 16:21 | Rental Market Update 18:51 | Top Performing Suburbs 20:56 | Population and Employment Trends 22:36 | Mining and Infrastructure Projects 24:16 | Defence Industry Impact 25:51 | Port Expansion and Tourism 27:31 | Education and Healthcare Growth 28:51 | Owner Occupiers vs Investors 30:11 | Lifestyle and Amenities 31:31 | Economic Drivers Behind Growth 32:46 | Investment Fundamentals 34:06 | Final Thoughts

EP. 16 | Why Newcastle Is Becoming a Property Investment Hotspot --- Newcastle has spent decades building its reputation as an industrial powerhouse. Today, it is becoming one of the most talked-about property investment locations in New South Wales. In Episode 16 of The Property Portfolio Podcast, Parag Dixit and Julius discuss why Newcastle is attracting growing interest from property investors and what could be driving the city's next phase of growth. With strong population projections, major infrastructure spending, limited housing supply and a changing local economy, many investors are now looking beyond Sydney and taking a closer look at the Newcastle property market. The discussion covers recent market performance, key suburbs to watch, rental demand, infrastructure projects and the factors shaping the future of Newcastle real estate. In this episode we discuss • How Newcastle is changing from an industrial city into an investment hotspot • What recent house price growth tells us about buyer demand • Why low stock levels are putting pressure on the local housing market • Suburbs such as Hexham, Jesmond and Warabrook • Rental yield trends and what investors should check before buying • How population growth could shape future property demand • Major projects including the M1 Pacific Motorway expansion • The role of port, education, health and infrastructure in long term growth • What investors should consider before buying an investment property in Newcastle • Why local suburb selection matters in a growing regional market Over the past decade, Newcastle property growth has consistently outperformed the expectations many investors once had for regional markets. With population forecasts pointing to substantial growth over the next 15 years and billions of dollars being invested into transport, logistics and community infrastructure, the city continues to attract attention from both owner occupiers and investors. The episode also explores how Newcastle house prices, rental demand and future development activity may influence the Newcastle property forecast over the coming years. From residential opportunities to broader economic drivers, the conversation highlights why many investors are beginning to view Newcastle as more than just a regional market. If you are researching the Newcastle NSW property market, looking for Newcastle investment property opportunities, comparing Newcastle rental yields, following Newcastle property news or trying to understand where future growth may come from, this episode provides practical insights to help guide your decision making. --- TIMESTAMPS 00:00 | Introduction 2:35 | Why Newcastle transformed into an investment hotspot 5:33 | Growth data and affordability in Newcastle 10:16 | Suburb spotlight: prices, yields, and investor appeal 19:16 | Big infrastructure projects and jobs in Newcastle 31:45 | Why Newcastle is the right place to invest

EP. 15 | Victoria - State of Investment | Property Market Outlook 2026 --- Melbourne was once seen as one of Australia’s strongest investment markets. But heading into 2026, the conversation around Victoria property investment is starting to shift. In Episode 15 of The Property Portfolio Podcast, Parag Dixit and Mudit break down the Victoria property market outlook for 2026 and discuss why many investors are now comparing Melbourne with regional Victoria when planning their next move. The episode explores Melbourne house prices, vacancy rates, rental yields and the growing impact of land tax, government regulations and borrowing costs on investor confidence across Victoria. While Melbourne continues to remain one of Australia’s major property markets, regional Victoria is starting to attract stronger attention due to affordability, healthier rental returns and lower entry prices. In this episode we discuss • Victoria property market 2026 outlook • Melbourne house prices 2026 and market direction • Victoria investment property opportunities • Property investment Victoria and changing investor sentiment • Victoria property forecast and rental market trends • Victoria housing market performance across metro and regional areas • Victoria investment hotspots to watch in 2026 • Best investment suburbs Victoria investors are researching • Housing affordability Australia and its impact on buyers • Regional Victoria rental yields and growth opportunities • Why vacancy rates matter for property investors • Victoria property investment strategies for changing market conditions The conversation also looks at why regional Victoria may offer a stronger balance between cash flow and long-term growth compared to some Melbourne suburbs where yields remain tight and holding costs continue rising. If you are researching the Victoria property market 2026, looking into Victoria investment property opportunities or searching for the best suburbs to invest in Victoria, this episode will help you understand where the market may be heading and what investors should be paying attention to before buying. --- TIMESTAMPS 00:00 | Introduction 05:30 | Melbourne price growth compared with Brisbane, Perth, and Adelaide 06:08 | Yields, supply and buying affordability in Melbourne 10:25 | How government regulation held Melbourne back 13:24 | Regional Victoria is what Melbourne used to be 15:32 | Why regional Victoria has not fully rerated yet 22:00 | Rental market stress and high vacancies in Melbourne 30:11 | New vacant land tax and what it means for investors 35:55 | Population growth supply pipeline and 2032 outlook 39:03 | Stacked taxes and levies squeezing investors 51:06 | Standout regional Victoria locations for growth 56:46 | Who should avoid Melbourne in 2026 58:52 | When regional Victoria makes more sense than Melbourne

EP. 14 | South Australia - State of Investment | Property Market Outlook 2026 --- Adelaide has quietly become one of the strongest performing property markets in Australia. With rising prices, strong auction activity, low rental supply and major infrastructure investment flowing into South Australia, investors are starting to pay much closer attention to what could happen next in 2026. In Episode 14 of The Property Portfolio Podcast, Parag Dixit and Mudit break down the South Australia property market outlook for 2026 and discuss why Adelaide and regional South Australia are gaining momentum among investors looking for both growth and rental return. The conversation covers Adelaide’s rising median house prices, rental yields, regional opportunities and the long term impact of major economic drivers like the ORCA submarine program. In this episode we discuss • South Australia property market 2026 outlook • Adelaide property market 2026 trends • SA property market outlook and growth drivers • Property investment South Australia opportunities • South Australia investment property and rental demand • Best suburbs to invest in Adelaide • Adelaide auction clearance rates and buyer activity • Rental yields across Adelaide and regional South Australia • Why regional South Australia is attracting investors • Infrastructure projects shaping the Adelaide property market • Expected capital growth across houses and units in SA Regional South Australia continues to attract attention due to affordability, stronger rental yields and lower entry prices compared to larger capital cities. The episode also looks at how defence projects, population growth and limited housing supply may continue supporting the Adelaide property market over the coming years. If you are researching the South Australia property market 2026, Adelaide investment property opportunities or searching for the best suburbs to invest in Adelaide, this episode will give you practical market discussion backed by current trends and investor thinking. --- TIMESTAMPS 00:00 | Introduction 03:36 | Adelaide and South Australia in 2026 09:37 | AUKUS impact and immigration strength 17:05 | Regional growth drivers - Agriculture and mining 20:18 | Construction costs, trades, and low new supply 21:51 | Adelaide rental market and yields 31:43 | Adelaide versus regional SA cash flow 37:23 | Owner-occupier affordability in Adelaide 42:17 | Can investors still buy in Adelaide in 2026 53:17 | Affordable segments and SA3 opportunities 01:05:03 | Final verdict on Adelaide and regional SA

EP 13. | Federal Budget Australia 2026 Explained - Property Market & Tax Changes. --- Australia’s 2026 Federal Budget has triggered one of the biggest conversations the property market has seen in years. From negative gearing reforms to capital gains tax changes, investors across the country are now questioning how these updates could affect borrowing power, cash flow and long term portfolio growth. In this episode of The Property Portfolio Podcast, Parag Dixit and Mudit break down the Australian Federal Budget 2026 and discuss what the proposed changes could mean for investors, first home buyers and long term property planning across Australia. The conversation focuses heavily on the future of negative gearing, capital gains tax changes and how these reforms may reshape borrowing capacity, investment strategy and retirement planning over the next few years. With negative gearing expected to remain for new builds while ending for established properties from July 2027, many investors are now reassessing how and where they buy property. The episode also covers the proposed capital gains tax changes, including the new minimum tax floor and the shift toward indexation-based calculations. In this episode we discuss • Australian Federal Budget 2026 explained • Federal Budget Australia property changes • Budget announcement Australia and investor impact • Negative gearing explained in simple terms • Negative gearing changes for established properties • Negative gearing reforms Australia and the housing market • Capital gains tax Australia and proposed CGT changes • CGT discount Australia and the future of investment property tax • Capital gains tax on investment property and retirement planning • Borrowing capacity changes for investors and first home buyers • Why dual income properties may become more attractive • SMSF property investment and lower tax structures This episode also looks at how the federal budget could influence the broader Australian property market and why investors may need to shift focus toward stronger rental yields, cash flow and long term portfolio sustainability. If you are trying to understand the Federal Budget 2026, negative gearing Australia, capital gains tax property Australia or how these policy changes may affect your next property decision, this episode will help simplify the conversation. --- TIMESTAMPS 00:00 | Introduction 04:20 | Introduction 05:52 | Negative gearing changes: new versus established 12:06 | New capital gains regime and indexation explained 24:04 | How inflation and indexation can punish success 27:39 | Impact on aspiration and closing of rentvesting path 29:58 | Why rents may rise, and first home buyers get squeezed 48:02 | SMSF opportunities and advanced investor structures 57:54 | Where to invest now: capital cities versus regional markets

State of Investment | Property Market Outlook 2026. --- Most investors are still asking the same question about Western Australia. Has Perth already peaked or is there still room for growth in 2026? In Episode 12 of The Property Portfolio Podcast, Parag, Julius & Mudit break down what is really happening across Perth and regional WA and why many investors are now turning their attention west. With Perth house prices approaching the $980,000 mark, rising rents, limited housing supply and strong migration, Western Australia continues to attract investors looking for both rental return and long term growth. The conversation also covers regional hotspots including Bunbury and Geraldton, where strong rental demand, infrastructure activity and mining-led employment continue to support the market. In this episode we discuss • Perth property market outlook for 2026 • Why Western Australia is attracting interstate investors • Perth median house prices and rental trends • Regional WA investment opportunities • Bunbury and Geraldton property growth • Rental yields in Perth and regional WA • How mining and infrastructure projects are shaping demand • Property investment opportunities under $800,000 • Rental growth expectations across Western Australia • Risks investors should understand before buying • The importance of balancing cash flow and capital growth Regional Western Australia recorded strong rental movement over the past year and the shortage of available housing continues to place pressure on prices and rents. The team also discusses why investors should not chase hype blindly and why understanding local economics, supply levels and long term demand matters before entering any market. If you are researching the Perth property market, regional WA property investment or searching for the best property investment locations in Australia for 2026, this episode will give you practical information backed by real market discussion. Subscribe to The Property Portfolio Podcast for weekly conversations around Australian property investing, lending strategy, finance, market trends and portfolio building. --- TIMESTAMPS 00:00 | Introduction 02:59 | Why Perth Became Australia’s Standout Property Market 05:10 | Buying Affordability in Perth 13:47 | Regional Western Australia and the Power of High Yields 17:38 | Structural Constraints and Rents in Regional WA 33:01 | Tourism, Mining and Lifestyle Driving Regional WA Property 34:13 | Inflation, Interest Rates, and the Future of WA Property 01:00:50 | Perth and Regional WA Property Outlook for 2026

EP. 11 | New South Wales – State of Investment | Property Market Outlook 2026 --- In this episode of The Property Portfolio Podcast, we break down the New South Wales property market and what 2026 may look like for property buyers and investors. We compare the Sydney property market with Regional NSW, where the gap in rental yields and affordability is becoming more visible. Sydney median house prices are sitting around 1.6 million with rental yields near 2.6 percent, while Regional NSW house prices are closer to 860k with rental yields reaching up to 5 percent in some areas. We also look at how interest rates in 2026, inflation, and global factors like oil prices are shaping borrowing capacity and investment decisions across NSW. With mortgage repayments taking up a large share of income, many investors are starting to rethink their approach. Regional NSW property trends are gaining attention, with strong capital growth, low inventory in coastal areas, and rising demand pushing prices higher. At the same time, the Sydney property market is showing slower and more stable movement due to higher entry prices and lower rental returns. This episode also covers the growing shift towards SMSF property investment in Australia, as more buyers look for ways to continue investing despite tighter borrowing limits. We also touch on how land tax impact and rental growth expectations may affect long term returns. If you are looking to buy property in NSW, compare Sydney vs Regional NSW, or build a property portfolio in Australia, this episode will help you understand where the opportunities may sit in 2026. More state wise episodes are on the way, where we will break down each Australian property market in detail. --- TIMESTAMPS 00:00 | Introduction 07:50 | Sydney affordability crunch and low supply 09:06 | House and unit price gap in Sydney 12:11 | Sydney incomes, mortgage stress and savings squeeze 19:31 | Rest of NSW affordability and rental yields 20:59 | Years to ownership Sydney versus rest of NSW 27:57 | Sydney rental affordability and investor challenges 33:22 | Regional NSW rental market and vacancy pressures 39:06 | Inflation, interest rates, and NSW economic outlook 46:08 | Population migration and demand patterns in NSW 01:03:35 | Cash flow vs. capital growth 01:16:55 | Comparing key regional NSW markets (Dubbo, Tamworth, Albury & Wagga) 01:31:35 | Sydney vs. regional NSW (Investors risk in 2026) 01:33:17 | Final summary and key takeaways for 2026

EP. 10 | Queensland - State of Investment | Property Market Outlook 2026 --- In this episode of The Property Portfolio Podcast, we break down the Queensland property market outlook 2026, covering Brisbane property prices, regional growth trends, and where investors are focusing across Queensland. We discuss Brisbane property investment, opportunities across the Gold Coast, Sunshine Coast, Townsville, and Rockhampton, and how regional Queensland property investment is shaping up for 2026, especially with strong population growth, infrastructure activity, and rising rental demand across key areas. From SMSF property investment Australia to high rental yield properties in Queensland, this episode covers practical strategies to build a strong property portfolio in Australia, including capital growth approaches, dual income properties, and regional market positioning for long term gains. With rising interest rates in Australia, tight vacancy rates, and changing housing affordability, we break down what it means for investors in 2026, how borrowing capacity may shift, and where smart investors are still finding opportunities in both Brisbane and regional Queensland markets. Queensland property market outlook 2026 | Brisbane property forecast | Regional Queensland investment | Australian property market trends | SMSF property strategy --- TIMESTAMPS 00:00 | Introduction 03:04 | What this episode covers 05:01 | Brisbane’s 5‑year boom and affordability problems 08:13 | How COVID interstate migration reshaped Brisbane 09:49 | Why Brisbane has very low stock, quick sales and strong auction results 13:53 | Rest of Queensland prices growth and affordability 28:24 | Why investors love regional Queensland yields 34:06 | Inflation, interest rates and Queensland’s 2026 outlook 41:58 | What it really costs to hold an investment property in Queensland 01:11:40 | Region-wise strategy for investing across Queensland 01:14:14 | Final thoughts

EP. 9 | Property Market Outlook 2026 - (What The Data Is Telling Us) --- The Australian property market is entering a different phase in 2026. In this episode of The Property Portfolio Podcast, we break down what 2025 data is showing and how it may shape buying and investment decisions ahead. From interest rates and inflation to land tax and possible capital gains tax changes, several factors are influencing the Australian housing market. We look at key markets across Australia. The Sydney property market saw steady growth, while the Perth property market continued its strong run with prices nearing the one million mark. Brisbane property growth picked up pace with Olympic-driven demand, and Adelaide property market trends remained solid even as rental yields tightened. The Melbourne property market presents a different picture with higher supply and rising vacancy rates across Victoria, which may lead to slower growth. The Hobart property market showed moderate movement, while the Darwin property market stood out with strong growth backed by investor demand and rental returns. Regional NSW property trends also continue to hold momentum. We also cover how rising interest rates may impact borrowing capacity and why SMSF property investment in Australia is gaining attention, especially in high rental yield markets. If you are planning to buy property in Sydney, Melbourne, Brisbane, Perth, Adelaide, or regional Australia, or build a property portfolio in Australia, this episode gives you a clear view of where things may be heading in 2026. State-wise deep dive episodes are coming soon, where each Australian property market will be covered in more detail. --- TIMESTAMPS 00:00 | Introduction 03:52 | What Happened in the Property Market in 2025 07:45 | Inflation, Interest Rates and the RBA 08:27 | Land Tax and Capital Gains Tax Changes 11:06 | Housing Costs and Their Impact on Inflation 25:39 | Sydney Housing Affordability and Renting vs Buying 37:56 | Perth Market Overview 44:49 | Brisbane Market Overview 51:22 | Regional Queensland Market Overview 59:43 | Adelaide Market Overview 01:03:28 | Melbourne Market Overview

EP. 8 | How to Finalise Properties through Video Walk Through --- In this episode, Parag Dixit, Julius and Mudit sit down with seasoned building and pest inspector Raymond to uncover the real risks of purchasing property without boots on the ground. From bathroom renovations that cost as much as a new build to the silent destruction of termites, this conversation is a masterclass in due diligence. What you’ll learn: • Why a detailed building and pest inspection is non‑negotiable – especially when buying sight unseen • The shocking cost of renovations (and how to spot major structural issues before you buy) • How to read between the lines of an inspection report – what’s a deal‑breaker vs. what’s an easy fix • The hidden dangers of tree roots, termite damage, and poor drainage • Why video inspections and thermal imaging give you the full picture (and save you thousands) • How to choose a qualified inspector who will explain technical terms, not just hand you a report • Using inspection findings to negotiate price or plan your maintenance budget like a pro Raymond shares real‑world examples of buyers who saved themselves from costly mistakes and a few who didn’t. --- TIMESTAMPS 00:00 | Introduction 03:51 | Can you really buy a property just from a video 08:17 | Why cooling-off periods and state rules can trap buyers 15:46 | How rushing a building and pest report costs big money 20:07 | Simple outside checks that reveal hidden property problems 30:32 | What a building & pest inspector actually does 43:38 | How to brief someone to film a proper inspection video 57:41 | How to read a scary-looking building report without freaking out

EP. 7 | Why Most Investors Get Suburb Selection Wrong --- Suburb selection is often where a property investment either works or starts going wrong. Many buyers focus on what looks good on the surface, price, rental yield or recent growth, without fully understanding what actually drives long-term performance in a location. In Episode 7 of The Property Portfolio Podcast, Parag, Julius and Mudit break down why suburb selection is one of the most critical decisions in property investing, and where many investors make avoidable mistakes. The discussion highlights how different suburbs can perform very differently depending on supply levels, demand drivers, economic activity and buyer demographics. Even areas that appear attractive at first can underperform if the fundamentals are not strong. Using real examples, including insights from markets like Perth, the conversation explains how some suburbs with strong owner occupier presence may still lack growth drivers, while others with the right balance of demand and future potential can outperform over time. The episode also focuses on the importance of aligning suburb selection with clear investment goals, rather than relying on assumptions or short-term trends. In this episode, we discuss • Why suburb selection plays a major role in investment success • Common mistakes investors make when choosing locations • The risks of buying in high-supply, low-demand areas • Why market cycles should influence suburb selection decisions • The importance of balancing cash flow and capital growth • How structural factors like easements can impact property value • Why due diligence should include legal, economic and demographic research • The difference between strategic locations and “hope-based” buying • How setting clear investment goals can guide better suburb selection • Why having a flexible exit strategy matters --- TIMESTAMPS 00:00 | Introduction 07:31 | Why strategy comes first 11:21 | Risk of copying friends 12:36 | Blacktown case study (When negative cash flow breaks you) 15:27 | When structures go wrong 28:32 | Super regional town risks 39:37 | Hidden costs across each state 1:05:33 | Exit strategy & risk management

EP. 6 | How Owner Occupiers Can Help You in Your Investment Strategy --- Property investors spend a lot of time analysing rental yields, borrowing capacity and interest rates when selecting an investment property. But one factor that often has a much stronger influence on long-term price growth is owner occupier demand. Owner occupiers typically buy property with a different mindset compared to investors. They are often willing to pay more for the right location, the right home layout and the right lifestyle features. Over time, this demand can play a major role in shaping how property prices move in a suburb. In Episode 6 of The Property Portfolio Podcast, Julius, Mudit and Parag discuss how thinking like an owner occupier can improve the way investors select property. The conversation also touches on current market expectations, including the possibility of interest rate increases in 2026, and why market conditions can change the way investors need to approach their strategy. In this episode, we discuss • Why owner occupier demand often drives long-term capital growth • The difference between investor-focused properties and owner occupier properties • How suburbs like The Ponds and Blacktown illustrate this concept • Why interest rate expectations can influence investment decisions • The importance of understanding socio-economic factors in property markets • Why deep research is essential before selecting a suburb or property type • How combining an investor mindset with owner occupier thinking can improve results • Why balancing risk and growth is critical when building a property portfolio --- TIMESTAMPS 01:40 | Introduction 05:17 | What Investors Really Want? 08:02 | Invest Like an Investor, Think Like an Owner-Occupier 12:53 | Why Some Streets Grow Faster 19:42 | Are Houses Always Better? 24:29 | Ipswich vs Canning Vale 28:50 | Objective-Based Investing 46:57 | Benefits of Investing Like an Owner-Occupier 49:51 | Risk Mitigation Through Owner-Occupier Demand 52:08 | Conclusion

EP. 5 | We Tried Rentvesting as First-Time Investors, Here's Where It Went Wrong --- Rentvesting has become one of the most talked about strategies among first-time property investors in Australia. The idea sounds simple. Rent where you want to live and buy an investment property in a more affordable location. But like many strategies in property investing, the outcome depends heavily on the decisions made in the beginning. In Episode 5 of The Property Portfolio Podcast, Julius, Mudit and Parag share their experience with rentvesting and discuss where things can go wrong when investors enter the market without the right planning or research. Over the past few months, property values have moved quickly in many areas, influenced by factors such as the First Home Guarantee Scheme and expectations around interest rate changes. These shifts have pushed many first-time investors to look at rentvesting as a way to enter the market sooner. However, buying an investment property without carefully considering location, asset type, cash flow and long-term strategy can create challenges later in the journey. In this episode, we discuss • What rentvesting means for first-time property investors • Why some rentvesting strategies fail early • The risks of choosing the wrong location or property type • How emotional decisions can affect investment outcomes • The importance of research before buying an investment property • Why balancing growth and holding costs matters in a portfolio • The role of goal setting when building a property portfolio • Why discipline and risk assessment are essential in property investing --- TIMESTAMPS 02:14 | Reflection on the year and market changes 04:55 | Challenges and opportunities in the property market 07:55 | Understanding rentvesting and lifestyle factors 08:46 | Definition of rentvesting 09:24 | Goals of rentvesting 12:02 | Limitations of rentvesting 17:44 | Strategies for rentvesting (18:31 | How rentvesting works? 23:01 | Cash flow vs capital growth in property investing 27:32 | Why research is the key 1:00:35 | Important things to consider when rentvesting (1:06:33 | Setting investment goals and strategies 1:08:45 | Understanding property types and market conditions 1:11:06 | Emotional vs financial decision-making 1:14:10 | Risk assessment and exit strategies

EP. 4 | Shocking Reality About Cash Flow vs Capital Growth (90% Get It Wrong) --- Many property investors believe they must choose between cash flow or capital growth. In reality, the decision is rarely that simple. In Episode 4 of The Property Portfolio Podcast, Julius, Mudit and Parag unpack one of the most misunderstood debates in Australian property investing, the balance between high capital growth properties and high cash flow investments. Some investors chase strong rental returns but miss out on long-term appreciation. Others focus only on growth and struggle to hold their portfolio when interest rates rise. The truth sits somewhere in the middle. In this episode, we discuss • The real difference between cash flow and capital growth strategies • Why many investors misunderstand this decision • The risks of focusing only on rental yield • Why capital growth has historically driven long-term wealth • The role of research when selecting investment locations • Hidden costs such as maintenance, vacancies and tenant quality • Why exit strategies matter when building a property portfolio • How a hybrid strategy can balance cash flow and long-term growth --- TIMESTAMPS 00:00 | Introduction 07:45 | What “High Capital Growth” Really Means 08:33 | Why 8–9% Growth Is the Sweet Spot for Investors 13:30 | The $3M Property and the Danger of Heavy Negative Cash Flow 19:33 | Who High Capital Growth Is Actually Designed For (24:40 | Knowing When to Exit 30:54 | High Cash Flow Strategy 1:01:12 | Balance Between Growth and Cash Flow

EP. 3 | Who Killed My Units Growth? --- Are apartments really bad investments, or has the market changed? In Episode 3 of The Property Portfolio Podcast, we break down the real numbers behind units and apartments across Australia and why recent data may challenge long-held investor beliefs. We discuss how apartment prices performed post-COVID, why cities like Brisbane, Perth, and Adelaide have outpaced Sydney and Melbourne, and what this means for investors chasing capital growth and rental yield. You’ll also learn: Why apartment growth differs city by city Where rental yields are strongest right now How oversupply, rezoning, and strata costs impact returns When units and apartments can make sense in a long-term portfolio The key risks investors often overlook This episode is essential listening for anyone weighing apartments as part of their property investment strategy and wanting to make decisions backed by data, not assumptions --- TIMESTAMPS 00:00 | Introduction 03:02 | Post-COVID Market Trends and Construction Boom 11:28 | Investor Preferences and Market Segmentation 13:33 | Supply & Demand Dynamics 55:24 | State-Specific Market Analysis 1:05:18 | Risks and Challenges in the Apartment Market

Ep.2 | How Trust Lending Gave Birth to the Perpetual Borrowing Myth --- The era of using trust structures as a shortcut to an endless portfolio has officially hit a wall. While these setups were once prized for asset protection and tax flexibility the combination of surging property prices and sharp interest rate hikes has exposed the hidden risks of the model. Investors leveraged specific loopholes that are now being closed and many are suddenly facing massive maintenance costs without the safety net of negative gearing. This episode serves as a vital reality check on why your long term exit strategy and asset selection now matter far more than the legal structure on the paperwork. --- TIMESTAMPS 00:00 | Introduction 01:29 | Historical Context and Industrial Anticipation 02:52 | Trust Structure and Asset Protection 13:17 | Types of Trust and Asset Selection 36:14 | Impact of Interest Rates and Financial Planning 38:52 | Balancing Portfolios and Exit Strategies 46:50 | Future of Trust Lending 48:19 | Final Thoughts and Best Practice

EP.1 | Why Property Became Australia's #1 Wealth Builder in 2025 --- Welcome to the very first episode of The Property Portfolio Podcast – brought to you by Nfinity Financials and PropWealth In this debut episode, Parag, Mudit & Julius answer the big question: Why has property become Australia’s favourite way to build generational wealth? If you’ve ever wondered why your parents, your mates, or complete strangers keep buying investment properties, this episode explains it all. Hosted by the teams at Nfinity Financials and PropWealth #AustralianProperty #PropertyInvesting #NegativeGearing #CashFlowVsCapitalGrowth #BoundarylessInvestor #PropertyPodcastAustralia #WealthBuilding --- TIMESTAMPS 00:00 | Introduction 04:25 | Impact of Awareness and Market Changes 10:05 | Affordability and Market Diversification 22:50 | Government Policies and Taxation 28:58 | Setting Investment Goals 36:34 | Balancing Cash Flow and Capital Growth 52:30 | Factors Influencing Capital Growth 55:02 | Risk Assessment and Market Timing 1:02:02 | Conclusion and Key Takeaways