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In this episode, Stuart tackles a tricky but important question: how bad does a property need to be to justify selling it?

If you suspect a property in your portfolio isn't investment-grade, Stuart walks through a step-by-step process to assess whether replacing it could make you significantly better off—after factoring in selling costs, stamp duty, buyer’s agent fees, and capital gains tax.

He explains how to:

• Estimate your current property’s future return
• Set a realistic benchmark for what investment-grade property should deliver (2% yield + 7% capital growth)
• Weigh opportunity cost and transactional expenses
• Use detailed scenario modelling to compare long-term wealth outcomes

He also highlights key questions to consider before making a decision:

• Can you afford to upgrade to a superior asset?
• Will underperformance materially impact your retirement plans?
• Do you have enough time before retirement to justify the switch?
• Could you hedge by buying a better asset now and selling the underperformer later?

This episode is packed with real numbers, smart frameworks, and cautionary insights. If you're unsure whether to hold or sell a lagging property, this is essential listening.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.