The Property Tradies Podcast

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingProperty investing has changed. So should your strategy.In this episode, Joel and Brodie break down how the Australian property market, lending landscape and tax changes have forced them to rethink the way they build their personal portfolios. They unpack the shift from houses to villa units and apartments, why higher rental yields are becoming more important, how tighter lending is affecting borrowing capacity, and why having the right accountant, broker and buying strategy around you can make all the difference.They also explain why they believe there are still strong buying opportunities in 2026, how to identify markets that are early in their growth cycle, why rent vesting can help investors build a larger portfolio, and what they would do if they were starting from scratch today.Why tradies need to watch this:• Understand why the property strategy that worked five years ago may not work today.• Learn why yields and cash flow matter more under the current tax and lending environment.• See how Joel and Brodie's own portfolios have evolved from houses to villa units and apartments.• Understand how bank valuations can affect your ability to access equity and keep buying.• Learn why the right accountant and mortgage broker are essential as your portfolio grows.• Discover how rent vesting can preserve borrowing capacity and help you build wealth faster.• Learn how to identify markets that are still early in their growth cycle.Timestamps0:00 – How property investing has changed2:44 – The shift in rental yields5:00 – Why affordability has changed the game6:00 – Why investors need to pivot their strategy8:03 – Why banks are valuing properties differently9:30 – The evolution of Joel & Brodie's portfolios11:20 – Why higher yields matter more as your portfolio grows12:45 – Why apartments are becoming more attractive15:45 – Structuring your portfolio with the right professionals17:30 – Bringing your broker and accountant together19:00 – Lending, borrowing capacity & rent vesting21:30 – Why buying a home can limit your portfolio23:00 – Why property investing isn't dead24:30 – Finding markets that are still in their growth cycle25:45 – Why yields matter more than ever27:00 – Men's Finance Questions28:00 – What would you do with an $800K first home?29:00 – $90K, no job & buying a boat30:00 – Rapid Fire: Houses vs apartments30:45 – How much harder is lending today?31:15 – Markets still showing strong growth31:45 – The biggest structuring mistakes investors make32:45 – Is property investing still worth it in 2026?34:00 – How to identify markets still in their growth cycle35:00 – Is negative gearing actually dead?36:00 – What surprised them most about lending changes37:00 – Outro

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingWhat does it actually take to build a property portfolio as a tradie?Joel and Brodie break down the key lessons from building their own property portfolios, from finding the right market and property to structuring finance, managing risk, negotiating deals and building a strategy that can scale over time. This episode is packed with practical advice for tradies who want to turn a strong income into long-term wealth through property.Why tradies need to watch this:Learn how to approach property investing with a long-term strategy.Understand the importance of market selection and buying the right asset.Discover how finance and leverage can help you scale a portfolio.Learn how to manage risk while continuing to grow.Hear practical lessons from real property investing experience.Understand the mistakes that can slow down your portfolio growth.Timestamps0:00 – Introduction 1:00 – The biggest lesson from building a property portfolio 4:00 – Choosing the right market 7:00 – What makes a good investment property? 10:00 – Finance, borrowing capacity & leverage 13:00 – Managing risk while building a portfolio 16:00 – Real-world investing lessons 19:00 – Negotiating the right deal 22:00 – Common mistakes investors make 25:00 – How to scale from one property to multiple 28:00 – Building a long-term strategy 31:00 – What tradies should focus on first 34:00 – Rapid Fire 37:00 – Final advice for tradies 38:00 – Outro

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingWhat are the six things school should have taught you about property investing and money?Joel and Brodie break down the financial and property lessons they wish they had learned before entering the real world. From inflation and making your money work for you, to saving a deposit, understanding finance and leverage, identifying good versus bad investments, and learning how to negotiate, this episode covers the foundations every tradie should understand before building aproperty portfolio.Why tradies need to watch this:• Understand why simply saving money isn't enough to build wealth.• Learn how inflation affects your cash and property prices.• Discover why property investing is a game of finance and leverage.• Learn how to distinguish a good investment from a bad one.• Pick up practical negotiation strategies that can save you thousands.• Understand why your first property needs to help you build your next one.• Hear the lessons Joel and Brodie wish they had learned at school.Timestamps0:00 – The six things school should have taught you1:00 – #1 Make your money work for you5:00 – How inflation affects your wealth7:55 – Why school doesn't teach financial skills9:55 – #2 Property investing is a game of finance12:23 – Why you need the right team13:14 – #3 Understanding leverage15:00 – How leverage accelerates property investing16:47 – Good debt vs bad debt17:00 – #4 Good vs bad investment property18:45 – Why market timing matters21:00 – Why your first property needs to help you grow21:57 – #5 Learning how to negotiate25:00 – Real negotiation examples27:00 – The 24-hour offer strategy29:00 – Men's Finance Questions30:48 – What would you do with a $500K interest-free loan?32:35 – How to scale the strategy33:31 – Rapid Fire: what would you teach your younger self?34:12 – The biggest mistake tradies make34:40 – Skill vs luck in property investing35:33 – The first property skill to learn36:56 – What's the next level after the foundations?38:18 – How long does it take to master these skills?39:30 – One skill they'd add: tenant selection40:25 – Outro

Book a Free Strategy Call with Joel https://calendly.com/joel-tomii/client-meetingWhat can you actually buy for $700K in Melbourne in 2026?Joel and Brodie break down their top five Melbourne and Victorian picks where investors can still buy a house on a solid block of land for around $700K. They explain why established suburbs, larger blocks, strong amenities and future development potential can create better long-term opportunities than newer house-and-land estates. From Narre Warren and Frankston North to Cranbourne North, Meadow Heights and Corio in Geelong, they unpack what you can realistically buy, which pockets to target, what to avoid and why land size remains one of the most important factors for long-term capital growth.Why tradies need to watch this:• Five areas where $700K can still buy a house on land.• Why established suburbs can outperform new-build areas.• Why land size and land value matter for long-term growth.• How renovations, granny flats and development potential can build equity.• Why choosing the right pocket within a suburb matters.• How affordability and multiple buyer groups create a floor under prices.Timestamps0:00 – What can you buy for $700K in Melbourne?1:40 – Why $700K is a key affordability price point2:24 – #1 Narre Warren3:39 – Narre Warren vs new builds in Clyde North4:09 – Why older properties and bigger land can be better6:27 – #2 Frankston North7:26 – Frankston's growth, development & gentrification11:39 – The good and bad pockets of Frankston North12:28 – #3 Cranbourne North14:09 – Why established pockets matter14:44 – What you can buy in Cranbourne North18:01 – #4 Meadow Heights18:54 – Villa units and value in Meadow Heights20:07 – Why Meadow Heights beats other northern options23:00 – #5 Corio, Geelong23:42 – Geelong's growth, migration & development24:30 – The best pockets of Geelong25:00 – Rapid Fire: Which suburb has the best growth potential?26:00 – Why bigger land matters26:38 – Which $700K markets are getting stretched?27:24 – Does being near the beach improve capital growth?28:31 – What would they buy if building a portfolio today?30:36 – How realistic is dual occupancy?32:43 – Why $700K properties have a pricing floor34:23 – 40-year loans, borrowing capacity & the next buying window36:08 – Which suburb could grow the most over five years?37:16 – Final advice: what to look for with a $700K budget

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingAustralia's next property boom may already be underway — and most investors don't even realise it.Joel and Brodie explain why today's rental boom is setting the foundation for the next wave of property price growth. They break down rising rents, vacancy rates, housing shortages, affordability, tax changes and investor sentiment to show how the next property cycle could unfold.Why tradies need to watch this:• How rental growth leads to price growth.• Why vacancy rates matter.• Australia's housing shortage explained.• Affordability and market selection.• Tax changes and investor sentiment.• Where the next buying opportunities may emerge.Timestamps0:00 – Australia's quiet property boom1:04 – Why experienced investors are buying2:09 – Record rents across Australia14:14 – Housing supply shortage20:00 – Affordability & growth opportunities23:30 – Tax changes & investor sentiment27:00 – The five-stage property boom28:24 – Rapid Fire29:49 – When will prices boom?31:22 – Government policy outlook32:35 – Markets Brodie would buy today33:19 – Are vacancy rates sustainable?36:23 – Which markets benefit first?37:05 – Did policy backfire?38:15 – Outro

Book a Free Strategy Call with Joel ® https://calendly.com/joel-tomii/client-meetingWant to avoid buying a dud investment property? Here are the five biggest mistakes property investors make.Joel and Brodie count down the five biggest red flags that can destroy an investment property's long-term performance. Learn why low rental yields, high-voltage power lines, commission housing, flood zones and buying after a market boom can all impact your portfolio and future wealth.Why tradies need to watch this:• The five biggest property investing mistakes.• Why rental yield matters.• Hidden risks that reduce resale value.• Market timing vs property quality.• How to avoid buying a dud investment property.Timestamps• 0:00 – Introduction• 0:10 – #5 Low rental yield• 0:45 – #4 High-voltage power lines• 1:48 – #3 High commission housing• 2:41 – #2 Flood zones• 5:01 – #1 Buying after a market boom• 6:20 – Final takeaway

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting House and land package or established property? Joel and Brodie break down why they believe established property wins for investors building long-term wealth. n this episode, Joel and Brodie unpack the risks of buying house and land packages in 2026 and why government tax incentives shouldn't be the deciding factor in your investment strategy. They compare new builds with established properties, explain developer margins and commissions, break down the importance of land content and scarcity, and show how differences in capital growth can have a huge impact on a portfolio over time. Why tradies need to watch this: Understand the hidden costs and developer margins behind house and land packages. Learn why land content matters when investing for capital growth. See how differences in annual growth can create hundreds of thousands in opportunity cost. Understand why unlimited supply can restrict rental and capital growth. Learn why tax incentives shouldn't outweigh investment fundamentals. Find out what Joel and Brodie would buy if starting again in 2026.Timestamps0:00 – House and land packages vs established property 4:55 – Developer mark-ups, depreciation & land value 8:05 – The $30K–$60K commissions behind new builds 11:59 – Investor-heavy estates & resale risk 13:45 – Capital growth: new builds vs established houses 14:45 – Perth case study: $410K to $900K 16:47 – The $293K opportunity cost over 10 years 20:48 – Supply, demand & why scarcity matters 22:39 – Vacancy rates & stock on market 23:56 – Key differences investors need to understand 24:20 – Rapid Fire Round 26:20 – Are new builds always bad? 27:38 – What if you already own a new build? 28:24 – Timing vs location 29:45 – Would they buy a house and land package today? 31:20 – When the bank valuation comes in short 32:45 – The biggest tax-benefit mistake tradies make 34:17 – Outro

Book a Free Strategy Call with Joel ® https://calendly.com/joel-tomii/client-meetingIs rent vesting the ultimate property investing cheat code?Joel and Brodie explain why they believe rent vesting is one of the fastest ways for tradies to build wealth. Using their own portfolios and real-world numbers, they compare buying an expensive home versus renting where you want to live while investing in high-growth markets around Australia.Why tradies need to watch this:• Learn how rent vesting works.• Compare renting versus buying with real numbers.• Understand why market selection beats tax benefits.• Discover how diversification lowers risk.• Avoid the biggest rent vesting mistakes.• Build wealth while living where you actually want to live.Timestamps• 0:00 – What is rent vesting?• 2:50 – Real Camberwell example• 6:00 – Renting vs buying• 10:00 – Building a larger portfolio• 13:00 – Diversifying across Australia• 16:00 – Rent vesting after tax changes• 19:00 – Keeping rental costs low• 22:00 – Lifestyle benefits• 25:00 – Rapid Fire• 27:00 – Family objections• 29:00 – Managing debt & equity• 31:00 – Does it work on $100k?• 33:00 – Biggest investor mistakes• 35:00 – Long-term strategy• 37:00 – Outro

Why do 73% of tradie businesses fail within their first three years?Joel sits down with financial adviser Ben Cole from Balance Wealth to unpack the biggest financial mistakes tradie business owners make and the systems that help build long-term wealth. From paying yourself first and automating cash flow to investing outside your business, this episode provides a practical roadmap for tradies wanting financial freedom.Why tradies need to watch:• Avoid the common financial mistakes tradie businesses make.• Build automated cash-flow systems.• Learn the 'pay yourself first' strategy.• Understand why superannuation is often overlooked.• Property vs shares at different life stages.• Build wealth beyond your business.Timestamps0:00 Why 73% of tradie businesses fail2:15 Business cash-flow mistakes6:30 Why your business isn't your retirement plan10:00 Pay yourself first14:00 Cash-flow buckets18:30 Automating your finances21:00 Tax write-offs vs wealth25:00 Superannuation strategies28:00 Shares vs property32:30 Wealth building in your 20s and 30s36:30 Financial systems39:00 Choosing a financial adviser41:30 Rapid Fire45:00 OutroThe content provided on this platform is for educational and informational purposes only. It should not be construed as professional financial, investment, tax, or legal advice.

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting?month=2026-06Why 2026 could be one of the best buying opportunities we've seen in years.Joel and Brodie break down why the current property market is creating unique opportunities for investors despite the negative media narrative. Using real auction results, client case studies and current market data, they explain why affordable Melbourne markets are gaining momentum, how rental demand is creating future growth, and why waiting on the sidelines could be the biggest investing mistake of 2026.Why tradies need to watch this:• Why media headlines don't tell the full story.• The St Kilda apartment opportunity.• Why Mordialloc villa units are in demand.• Real client portfolio case studies.• Why waiting for rate cuts can cost you more.• What Joel and Brodie are buying for clients today.Timestamps• 0:00 – Why 2026 is a golden opportunity• 2:00 – Media headlines vs reality• 6:00 – Interest rates & affordability• 8:40 – St Kilda apartment data• 14:50 – Mordialloc villa units• 22:10 – Charlie & Sarah case study• 25:00 – FIFO investor strategy• 29:30 – Connor's portfolio• 31:30 – Thomas' equity growth• 36:20 – Rapid Fire• 38:20 – Should you wait for rate cuts?• 41:20 – Investment-grade apartments• 44:30 – Best asset types in 2026• 46:20 – Outro

How can FIFO workers build three investment properties in three years?In Part 2 of Joel's conversation with FIFO mortgage broker Kurt, they outline a practical roadmap for tradies and FIFO workers wanting to build wealth through property. The episode covers savings habits, building the right finance team, selecting high-performing assets, using equity to accelerate portfolio growth, and creating a long-term strategy for financial freedom.Why tradies need to watch:• Three properties in three years blueprint.• Building the right finance team.• House vs villa unit strategy.• Using equity to scale faster.• Melbourne investment opportunities.• FIFO wealth-building mindset.Timestamps• 0:00 Introduction & FIFO blueprint• 2:00 Market conditions & tax changes• 5:00 Typical FIFO income & savings• 7:00 Building financial foundations• 10:00 Creating the right finance team• 13:00 Buying the first investment• 17:00 Houses vs villa units• 21:00 Deposit strategy• 23:00 Buying property number two• 27:00 Using equity for property three• 31:00 Renovations vs market growth• 33:00 Third-tier lenders explained• 35:00 Building a $2M portfolio• 39:00 Rapid Fire questions• 41:00 Melbourne outlook• 43:00 Long-term wealth mindset• 45:00 Outro & where to find Kurt

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting?month=2026-06Joel is joined by FIFO mortgage broker and investor Kurt, who shares his journey from New Zealand to Australia's mining industry, buying his first home at 21, overcoming costly property mistakes, building multiple side hustles, transitioning into mortgage broking andgrowing a $5 million property portfolio. Kurt also explains why he's passionate about helping tradies and FIFO workers create long-term wealth through property.Why tradies need to watch:• Breaking into FIFO.• Saving deposits fast.• Property investing mistakes.• Side hustles that accelerate wealth.• Building a $5M portfolio.• Transitioning out of the mines into business.Timestamps• 0:00 Welcome & Kurt's story• 2:00 Growing up in New Zealand• 5:00 Moving to Australia• 8:00 Getting into mining• 10:00 Buying the first property• 15:00 Saving deposits quickly• 19:00 Off-the-plan lessons• 23:00 High-yield investing• 28:00 FIFO side hustles• 33:00 Building the dream home• 36:00 Mortgage broking journey• 40:00 Blue Collar Money• 44:00 Paying off the home• 46:30 Melbourne investments• 50:00 $5 million portfolio• 54:00 Helping tradies build wealth• 59:30 Outro

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingHow did two tradies build a $4 million property portfolio before turning 30?Joel and Brodie share the story behind The Property Tradies, from meeting at McDonald's andworking as apprentices to starting side hustles, investing in property, building businesses andhelping tradies create wealth through their buyers agency.Why tradies need to watch:• Apprentices to investors.• Side hustles that built deposits.• First property strategies.• Guarantor loans and saving tips.• Building a 7 property portfolio.• Creating financial freedom.Timestamps• 0:00 Welcome and giveaway• 1:44 Meeting at McDonald's• 4:40 Apprenticeships• 11:44 COVID and Certified CCTV• 16:20 Business lessons• 17:03 First property journey• 21:13 Joel's first purchases• 29:50 Brodie's first purchase• 36:55 Side hustles• 39:18 Tommy Buyers Agency• 46:45 Growing the portfolio• 50:00 $4 million portfolio snapshot• 51:59 Advice for tradies• 53:32 Rapid Fire• 59:50 Outro