The Property Tradies Podcast

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingIs Melbourne about to become Australia's next property hotspot?In this episode, Joel and Brodie break down whether Melbourne is set for a major property upswing after years of underperformance. They dive into affordability, rental yields, migration, population growth, government policy and the upcoming Victorian election to uncover whether Melbourne could be one of Australia's best investment opportunities.Why tradies need to watch this:• Discover why Melbourne has lagged behind the rest of Australia and why that could be a hugeopportunity.• Learn how affordability and rental yields can predict future property growth.• Understand the impact of population growth and migration on housing demand.• Find out how the Victorian election could influence property investors.• See which Melbourne suburbs and asset types Joel and Brodie are targeting.• Learn why affordable properties may outperform expensive ones in the years ahead.• Hear real-world investing strategies for tradies looking to build wealth through property.• Get answers to common finance and investing questions in the Men's Finance and Rapid Firesegments.Timestamps• 0:00 – Welcome & is Melbourne set to boom?• 0:45 – Kano joins the podcast for smoko chat• 2:26 – Why Melbourne has underperformed• 7:06 – Melbourne market data explained• 15:24 – Rental yields and future growth• 18:42 – Population growth & migration• 22:16 – Internal migration back to Melbourne• 26:07 – Victorian election & property• 30:37 – Final verdict on Melbourne• 32:44 – Melbourne suburbs and strategies• 35:28 – Houses, villa units & apartments• 36:43 – Men's Finance questions• 41:09 – Rapid Fire Round• 48:20 – Outro

Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/clien...In this episode, Joel and Brodie break down one of the most common questions tradie investors are asking right now: should you buy a house, villa unit, or apartment with a $600,000 budget? They unpack the pros and cons of each asset type, where they fit within a portfolio, and why changingmarket conditions are creating new opportunities for investors who are willing to adapt.Why tradies need to watch this:• Learn what type of property you can realistically buy with a $600K budget in today's market• Understand the differences between houses, villa units, and apartments and where each fits in aportfolio• Discover why regional houses can still be a strong long-term play despite affordability pressures• Find out why villa units are becoming one of the most overlooked opportunities in Melbourne• Learn how land content impacts long-term growth and why it matters for investors• Understand why boutique apartments are making a comeback and how to avoid the commonapartment traps• See how rental yields, cash flow, and the latest tax changes influence property selection in 2026• Find out which asset Joel and Brodie would personally choose depending on your stage ofinvestingTimestamps:• 0:00 – Welcome back & today's topic• 0:20 – Calling Chris on site: what's for smoko?• 2:23 – Why the $600K budget is becoming more common for investors• 3:22 – House investing: what can you realistically buy for $600K?• 9:34 – Regional investing, land content & long-term growth potential• 12:33 – Pros and cons of buying a house as your first investment• 15:39 – Villa units explained: the middle ground between houses and apartments• 18:50 – Why villa units could be one of Melbourne's biggest opportunities• 23:37 – Risks, strata considerations & ideal portfolio positioning for villa units• 26:21 – Apartments: the biggest myths investors get wrong• 28:34 – Boutique apartments vs high-rise developments• 32:21 – How to identify an investment-grade apartment• 34:00 – Why strong rental yields are changing the game in 2026• 37:00 – Real-world apartment case study & buying below market value• 39:54 – Rapid Fire Round• 44:11 – Which asset would Joel and Brodie buy today?• 45:00 – Outro

📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting"Not every location is a good investment location."With the biggest tax changes in a generation now in play, getting your location right has never been more critical. In this episode, Joel and Brodie break down the three states they are personally avoiding and why — backed by real data — and where they're putting their own money right now instead.🔨 Why tradies need to watch this:Find out which three states have already run their race and why buying in them now could cost you years of stagnation and thousands in holding costsUnderstand why Perth's median house price sitting above Melbourne's should have every investor paying attentionLearn the key warning signs that a market has peaked — and why we're seeing all of them in these three states right nowDiscover why the new tax changes make getting your location right more important than ever — you can no longer be shielded by negative gearing benefits in a mediocre marketFind out why tradies overvaluing their renovation skills and undervaluing location selection is one of the biggest traps in property investingSee where Joel and Brodie are personally putting their money in 2026 — and why Melbourne is sitting at one of the best buying opportunities in yearsUnderstand why chasing markets that have already had 80–90% growth is financial suicide for any investor trying to build a portfolioTimestamps:0:00 – Welcome back & what we're covering today0:00 – Why location selection matters more than ever in 20261:43 – State #1 to Avoid: Perth — 91.2% growth in 5 years, median over $1M & affordability cracking4:31 – Perth deep dive — units outpacing houses & what that signals about the cycle7:14 – State #2 to Avoid: Brisbane — 85.3% in 5 years, Olympics hype & $1.2M median10:51 – The danger of buying at the end of a cycle — a real story from site11:51 – State #3 to Avoid: South Australia/Adelaide — 79% growth & affordability worse than Brisbane13:38 – Why renovation skills won't save you in a market that's already peaked15:29 – Where the real opportunity is — Melbourne, Hobart, Canberra & beyond16:51 – Growth comparison: Perth 91% vs Melbourne 8.5% — the opportunity hiding in plain sight19:03 – Why Melbourne's rental yields now stack up against Perth, Brisbane & Adelaide21:32 – How the new budget changes make location selection the most critical decision you'll make22:58 – Getting your first asset right — the mindset impact of a bad first investment24:34 – Men's Finance Questions28:04 – Rapid Fire Round33:49 – Outro

📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting"The landscape for Australian property investing has changed forever. Joel & Brodie in this podcast are going through all of the changes, what you need to know and the new strategy for investors moving forward from here."The government just dropped the biggest shake-up to property investing in a generation — negative gearing slashed, capital gains tax overhauled, and borrowing capacities dropping 20–30% overnight. In this episode, Joel and Brodie cut through the media noise, break down exactly what's changed, who it actually hurts, and where smart investors need to be positioning themselves right now.🔨 Why tradies need to watch this:Find out exactly what the negative gearing changes mean for you — whether you already own a property or are still trying to get into the marketUnderstand the capital gains tax overhaul in plain English and why paying more tax is still better than making nothingLearn why the government pushing investors toward new builds is a trap — and why house and land packages could burn mum and dad investorsDiscover why borrowing capacities have dropped by up to 30% and what that means for your next purchaseGet the new playbook — high yielding apartments, granny flat potential and SMSF strategies explainedFind out why rents are about to go up hard, regardless of what the government is claimingUnderstand the difference between drawing down on equity vs selling — and why it matters more than ever under the new tax rulesTimestamps:0:00 – The biggest change to Australian property investing — ever0:13 – Welcome back & breaking down what's happened0:13 – Change #1: Negative Gearing — what it was, what's changed & who keeps their benefits11:42 – Change #2: Capital Gains Tax overhaul explained in plain English11:42 – Why the government pushing new builds is a recipe for disaster16:49 – Change #3: Borrowing capacity — why investors just lost 20–30% overnight16:49 – Where the market goes from here & the new investor strategy23:33 – Asset types that will boom — high yield apartments & granny flat properties23:33 – SMSFs — why they're about to explode in popularity29:07 – Key takeaways & the new investing playbook32:30 – Men's Finance Questions36:07 – Rapid Fire Round41:49 – Outro

📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting"We're going to do a deep dive into why most tradies get stuck at one investment property — and how you can be in the top 1% of property investors."Most tradies earn good money but never make it past that first investment property. In this episode, Joel and Brodie break down the exact reasons why — from the life upgrade trap to lazy equity, income landmines and rate anxiety — and more importantly, what you need to do differently to keep building.🔨 Why tradies need to watch this:Find out why the ute upgrade, the new house and the toy collection are silently killing your ability to build a portfolioLearn why being a PAYG tradie actually puts you in a stronger lending position than you probably thinkUnderstand why your first investment property is the most important one you'll ever buy — and how to avoid the mistakes that stop people from ever buying a secondDiscover what "lazy equity" is and why leaving it sitting in your property is costing you more than a high interest rate ever couldFind out how self-employed tradies are unknowingly destroying their borrowing capacity at tax timeGet clarity on good debt vs bad debt, offset accounts, and how to use second and third tier lenders as part of a smart portfolio strategyTimestamps:0:00 – Welcome back to The Property Tradies Podcast0:37 – Why only the top % of investors get past one property0:44 – Reason #1: The life upgrade cycle — utes, houses & toys4:41 – Reason #2: Income traps — subbies, inconsistent pay & the big year/broke year rollercoaster8:21 – The "too busy to invest" paradox & why outsourcing is the answer11:00 – Reason #3: Buying the wrong first asset — bad market timing, backyard investing & new builds17:32 – Low growth locations — apartments, mining towns & greenfield estates explained23:49 – Reason #4: Lazy equity — what it is, why people are scared & how offset accounts work25:58 – Usable vs total equity & how to structure an equity release properly28:13 – Reason #5: Being too rate sensitive — first, second & third tier lenders explained34:15 – "I'll wait for rates to drop" & why comparing rates with your mates is a trap36:32 – Closing thoughts: the complacency trap after property #137:57 – Men's Finance Questions42:51 – Rapid Fire Round48:28 – Outro

📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingMost tradies are earning great money but have nothing to show for it at the end of the week. In this episode, Joel and Brodie break down exactly how to go from blowing your paycheck to building real savings — and eventually your first investment property. From money psychology to bank account structure, this is the practical playbook that no one teaches you on site.🔨 Why tradies need to watch this:Find out why a high income doesn't mean wealth — and the mindset shift that changes everythingLearn how to track your money without overcomplicating it and burning out two weeks inDiscover the bank account structure Joel personally uses to budget, save and invest at the same timeFind out why big impulse purchases — not your daily coffee — are what's actually blowing your budgetUnderstand the difference between good debt and bad debt, and why clearing bad debt is the fastest way to get aheadGet the tradie-specific saving hacks around cashies, overtime and negotiating your rateLearn how to get investment ready — and why one conversation with the right mortgage broker can make your goal feel way closer than you thinkTimestamps:0:00 – Welcome back & what we're covering today0:00 – The paycheck to paycheck cycle & why high income doesn't equal wealth2:57 – Financial patterns passed down by parents & limiting money beliefs3:46 – Delayed gratification — the crux of investing as a tradie8:31 – Income tracking — how to understand what you're actually earning and spending10:22 – The brutal budget reality — why big impulse buys are killing your savings11:32 – The vicious cycle of short-term loans and how to break it12:31 – Saving strategies — automatic transfers, high interest accounts & ETFs14:01 – Saving without feeling deprived & how to gamify your budget22:22 – Tradie-specific hacks — cashies, overtime & negotiating your rate22:44 – Debt management — good debt vs bad debt explained simply26:39 – Credit ratings in Australia — the truth most people get wrong29:04 – Bank account structure — the exact setup Joel uses personally32:28 – Getting investment ready — setting the goal & speaking to a broker33:36 – Putting it all together — timelines, fail safes & staying sane through the process37:59 – Men's Finance Questions43:50 – Outro

📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meetingThere's a lot of noise around the property market right now — global economics, rising costs, scary headlines. But just like COVID, the tradies who kept their foot on the pedal came out ahead. In this episode, Joel and Brodie break down the exact 7-step process to buy your first investment property in 2026 — no fluff, no jargon, just a straight-up playbook built for those on the tools.🔨 Why tradies need to watch this:You're earning good coin on the tools but not sure how to make it work for you — this episode maps out the entire process from zero to settledFind out why waiting to save a 20% deposit could cost you $50K–$100K in missed growthLearn exactly which professionals you need in your corner (and how to spot the dodgy ones)Understand why capital growth — not rental yield — should be your #1 focus on your first IPDiscover how to research locations properly so you don't sink your hard-earned into a dud suburbGet the inside run on negotiation tactics, including how to tell when an agent is bluffing about another buyerKnow what to look for in a property manager so your investment doesn't bleed cash from day oneTimestamps0:00 – Welcome to The Property Tradies Podcast – Episode 11:00 – What we're tackling today: buying your first IP in 20263:00 – Step 1: Getting Your Finances In Check — deposits, borrowing power & speaking to a mortgage broker4:42 – What affects your borrowing capacity (income, debt, car loans, sports betting)5:49 – How to find the right mortgage broker for investing (not just any broker)9:37 – Step 2: Getting Pre-Approval & why agents won't take you seriously without it10:11 – Step 3: Strategy & Assembling Your Team — capital growth vs cashflow explained13:26 – Step 4: The Hunt — how to research locations Australia-wide & which data tools to use15:17 – Why investing in your own backyard is likely a mistake32:01 – Step 5: Due Diligence — flood zones, social housing, easements, covenants & more35:27 – Step 6: Negotiation — comparable analysis, settlement terms, finance & building/pest clauses35:27 – Step 7: Settlement — final inspection, engaging a property manager & getting tenanted35:27 – Men's Finance Questions — equity, timing the market & where to invest at $550K–$600K45:57 – Rapid Fire Round48:30 – Outro