Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode was recorded before May rate reductions. They cover:

👉🏾 switching from principal & interest to interest-only repayments

👉🏿 using PAYG withholding adjustments to improve cash flow

👉🏻 using separate offset accounts to track property performance

👉 using equity or cash to build in a holding cost buffer

👉🏼 reviewing your portfolio to identify poor performers

👉🏽 understanding the trade-offs between growth and affordability

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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