Positively Geared

Positively Geared

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Positively Geared episodes

  • The Property Mistake That Cost Investors Millions

    ๐ŸŽฅABOUT THIS VIDEO:

    Capital gains tax changes. Negative gearing debates. Interest rate uncertainty. Melbourne softening. Perth booming. If you're an investor right now, you're being pulled in ten directions at once โ€” and most of the noise isn't helping you make a decision.

    In this episode, Lloyd Edge sits down to cut through the political noise and give investors a clear-headed view of what's actually happening in the Australian property market right now, what government changes actually mean for your strategy, and why waiting on the sidelines is almost always the wrong move.

    Lloyd also shares a hard-won personal lesson โ€” what happened when he bought a property yielding $800 a week in a mining town, and what the end of the mining boom did to that investment. It's one of the most honest cautionary tales you'll hear about buying in single-industry markets.

    The episode wraps up with Deal or No Deal โ€” three real Western Sydney properties between $900K and $1.2M โ€” assessed live on the numbers, location, and strategy fit.

    If you've ever wondered:

    • Will capital gains tax changes actually affect my property strategy?
    • Should I wait for the market to dip before buying?
    • What makes a regional market safe vs. dangerous to invest in?
    • How do I assess whether a property is actually a deal right now?


    This is the episode to watch.

    โฑ๏ธ TIMESTAMPS:

    • 0:00 โ€“ What's driving investor anxiety right now
    • 0:36 โ€“ Capital gains tax changes explained โ€” what they actually mean in dollar terms
    • 1:40 โ€“ Supply and demand: why location still beats everything
    • 2:05 โ€“ Lloyd's cautionary tale: buying in a mining town (Blackwater, Port Hedland, Karratha)
    • 2:40 โ€“ What happened when the mining boom ended โ€” $800/week to $190/week
    • 3:20 โ€“ How to assess regional markets safely
    • 4:07 โ€“ Government tax changes and how they affect your strategy
    • 4:28 โ€“ CGT discount explained: 50% vs the proposed 33% โ€” what it costs you
    • 5:27 โ€“ Should you buy in a company or trust structure instead?
    • 6:06 โ€“ Trusts, income distribution, and what your accountant needs to tell you
    • 7:00 โ€“ Negative gearing: what changes are actually on the table
    • 8:00 โ€“ Land tax in Victoria and how government debt is reshaping the market
    • 9:00 โ€“ Melbourne: why it fell to number six โ€” and why it's coming back
    • 12:52 โ€“ Is now a good time to get into the market?
    • 13:08 โ€“ What rate hikes actually do to auction results
    • 13:53 โ€“ Why sitting on the sidelines costs more than buying
    • 14:53 โ€“ Perth and Darwin: the decade of negative growth โ€” and the recovery
    • 15:15 โ€“ "There are three types of people in the worldโ€ฆ"
    • 17:08 โ€“ Lloyd's closing advice: what to do before you buy
    • 18:09 โ€“ Deal or No Deal begins
    • 18:31 โ€“ Deal 1: Chipping Norton duplex, 4 bed, $1.1โ€“1.2M โ€” deal or no deal?
    • 20:21 โ€“ Deal 2: Besser townhouse, 3 bed, $963K โ€” deal or no deal?
    • 22:22 โ€“ Deal 3: North Parramatta unit, 4 bed, $1.1M โ€” deal or no deal?
    • 26:11 โ€“ Final verdicts


    ๐Ÿšจ Grab Lloyd's book โ€” Australia's #1 best-selling property investment book: ๐Ÿ‘‰ https://amzn.to/3VXfJTp

    ๐Ÿฅ‡ Book a discovery call with Aus Property Professionals: ๐Ÿ‘‰ https://www.auspropertyprofessionals.com.au

    โœ… CONNECT WITH US: Website: https://www.auspropertyprofessionals.com.au Email: [email protected] Instagram: @lloydedge_buyersagent YouTube: @auspropprofessionals

    Disclaimer: General information only. Not personal financial advice. Please seek advice tailored to your individual circumstances before making any financial decisions.


    #AustralianProperty #PropertyInvesting #CapitalGainsTax #NegativeGearing #BuyersAgent #LloydEdge #PropertyStrategy #SydneyProperty #RealEstateAustralia #InvestmentProperty #DealOrNoDeal #PropertyMarket #FirstHomeBuyer #AusPropertyProfessionals #MiningTowns #MelbourneProperty #PerthProperty

    Hosted on Acast. See acast.com/privacy for more information.

    28 min
  • Stop Buying Houses โ€” Smart Investors Are Doing This Instead (And Getting Richer)

    ๐ŸŽฅ ABOUT THIS VIDEO:

    Australia's housing crisis isn't just about prices โ€” it's about supply, infrastructure, construction costs, and policy failures that keep stacking up.

    In this episode, Lloyd Edge sits down with Armando Errichiello to unpack what's really driving the crisis, from the government's 1.2 million homes target falling behind, to builders going broke, approval red tape killing developments, and rents still climbing across the country. They share what they're seeing on the ground and why the easy fixes politicians promise simply don't exist.

    They also tackle immigration honestly, break down how construction costs have doubled since COVID, and explore why vertical living may need to become part of the Australian mindset going forward.

    The episode finishes with Deal or No Deal, where three real properties are analysed โ€” a six-bedroom home with rooming potential, a dual-income block with a granny flat, and a split-level in Blacktown with subdivision upside.

    If you've ever wondered:


    Why aren't enough homes being built in Australia?

    Is immigration actually driving the housing crisis?

    How do rising construction costs affect your investment strategy?

    What makes a property a genuine deal right now?


    This episode gives you the unfiltered, street-level view.

    ๐Ÿ”” Like, subscribe, and hit the bell so you never miss an update.


    โฑ๏ธ TIME STAMPS:


    00:00 โ€“ Introduction: Housing prices across Sydney and Melbourne

    01:00 โ€“ What's actually causing the housing crisis?

    01:50 โ€“ Rental prices climbing and the shortage of supply

    02:07 โ€“ The 1.2 million homes target and why it's off track

    02:46 โ€“ Red tape, council approvals, and the development logjam

    03:04 โ€“ Outer suburbs: infrastructure must come with the homes

    04:13 โ€“ Should Australia embrace vertical living and apartments?

    06:20 โ€“ Parramatta development and rezoning around railways

    07:15 โ€“ The great Australian dream of a backyard โ€” still realistic?

    07:38 โ€“ Starting with a unit or villa and working up

    12:32 โ€“ Immigration: is it really the problem?

    13:16 โ€“ What type of migrants are entering the market?

    14:06 โ€“ Should Australia prioritise skilled trade migration?

    14:59 โ€“ Short-term government thinking vs long-term housing policy

    19:01 โ€“ Lloyd's three-point plan for the government

    20:25 โ€“ Lessons from Dubai: cutting red tape and building fast

    21:16 โ€“ Deal or No Deal begins

    21:30 โ€“ Deal 1: 6-bed home in Wilcroft NSW โ€” rooming accommodation potential?

    22:36 โ€“ Deal 2: Dual-income block in Seven Hills โ€” granny flat + main home

    23:59 โ€“ Deal 3: Split-level in Blacktown โ€” subdivision or granny flat play?

    25:20 โ€“ Final verdicts and key lessons


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated:

    ๐Ÿ‘‰ https://amzn.to/3VXfJTp

    ๐Ÿฅ‡ Aus Property Professionals is one of Australia's most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.

    Book your discovery call here: https://www.auspropertyprofessionals....

    ๐Ÿ  Looking for property management that actually works for you? Get personalised, hands-on support directly from industry expert and Positively Geared co-host Armando Errichiello at Property Corner:

    https://propertycorner.com.au

    โœ… MESSAGE ME THROUGH THESE CHANNELS:

    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ /lloyd-edge-b417a399

    See omnystudio.com/listener for privacy information.



    #AustralianHousingCrisis #PropertyInvesting #AustralianProperty #HousingAffordability #RealEstateAustralia #ConstructionCosts #RentalCrisis #PropertyStrategy #BuyersAgent #InvestmentProperty #PositivelyGeared #LloydEdge #DealOrNoDeal #GrannyFlat #DualIncome #SydneyProperty #HousingSupply #AffordableHousing

    Hosted on Acast. See acast.com/privacy for more information.

    26 min
  • The Simple Rule Most Investors Ignore: What Can You Really Service?

    ABOUT THIS PODCAST:


    Property strategy isnโ€™t just about borrowing capacity, chasing hotspots, or copying what everyone else is doing.


    In this episode, Lloyd Edge is joined by financial planner, Jackanizer, to unpack how smart property decisions are really made, starting with lifestyle goals, serviceability reality, and long-term structure, not hype or FOMO.


    They break down why borrowing less than the bank offers is often the smartest move, when property should (and shouldnโ€™t) sit inside a trust, and how emotional decision-making quietly derails portfolios. The conversation finishes with Edโ€™s Deal, where three real mortgagee-in-possession properties are analysed as potential deals or traps.


    If youโ€™ve ever wondered:

    โ€ข How much you should actually spend

    โ€ข Whether trust structures still make sense

    โ€ข If mortgagee sales are bargains or risks

    โ€ข Or why copying other investors rarely works


    This episode will help you cut through the noise and think strategically.


    ๐Ÿ”” Like, subscribe, and hit the bell so you never miss an update.


    โฑ๏ธ TIMESTAMPS


    00:00 - The โ€œLifestyle Architectโ€ story and why strategy starts with lifestyle

    01:02 - Meet Jack Monza and the money lessons that shaped his approach

    04:25 - Buying a first home at 23 through discipline and smart risk

    10:34 - FOMO, emotion, and why comparison ruins decision-making

    13:32 - When you should actually engage a financial planner

    19:50 - Trust lending changes and why banks are pulling back

    22:05 - Trust structures, land tax, and when they donโ€™t make sense

    28:20 - Edโ€™s Deal begins: mortgagee-in-possession properties analysed

    28:48 - Deal 1: Strong rent and location, but critical due diligence required

    31:26 - Deal 2: Cheap land, lapsed DA, and hidden red flags

    34:16 - Deal 3: Airbnb upside versus passive income reality

    36:40 - Final takeaways and strategic lessons


    ๐Ÿ“ž Book a Discovery Call: https://www.auspropertyprofessionals....


    โœ… MESSAGE ME THROUGH THESE CHANNELS:

    ๐ŸŒ Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    ๐Ÿ“ง Email your questions: ๐Ÿ‘‰ [email protected]

    ๐Ÿ“˜ Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    ๐Ÿ“ธ Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    ๐ŸŽฅ YouTube: ๐Ÿ‘‰ @auspropprofessionals

    ๐Ÿ”— LinkedIn: ๐Ÿ‘‰ /lloyd-edge-b417a399


    ๐Ÿ“Œ See omnystudio.com/listener for privacy information.


    ๐Ÿ“„ Disclaimer: The information provided in this video is general in nature and should not be considered personal financial advice. Always consult with a licensed financial advisor for advice tailored to your specific situation.


    #australianproperty #propertyinvesting #buyersagent #financialplanning #mortgagebroker #truststructures #cashflowproperty #rentalyield #australianrealestate #propertystrategy

    Hosted on Acast. See acast.com/privacy for more information.

    37 min
  • 2026 Property Outlook: Yields Are Compressing, So What Now?

    ABOUT THIS PODCAST:

    Australia isnโ€™t one market. Itโ€™s thousands of micro-cycles moving at different speeds.


    In this episode, Lloyd breaks down what investors really need to understand heading into 2026, from shifting rental yields and compressed returns to where growth is still quietly building. We unpack Brisbaneโ€™s momentum, Perthโ€™s volatility, Melbourneโ€™s reset, and why strategy now matters more than ever.


    Youโ€™ll also see three real properties analysed live, including what makes a deal, what makes a no deal, and how experienced investors should think about lifestyle assets, land shape, yield, and future flexibility.


    If youโ€™re investing in 2026, this conversation will help you cut through the noise and focus on the moves that actually compound.


    ******


    TIME STAMPS:

    0:00 โ€“ Why Australia has thousands of different property cycles

    0:47 โ€“ Should investors be buying or selling in 2026?

    1:12 โ€“ 2025 market recap and what surprised investors

    1:17 โ€“ Brisbaneโ€™s growth and the ripple effect

    3:32 โ€“ Perthโ€™s volatility and timing risks

    4:48 โ€“ Melbourneโ€™s position in the cycle

    6:01 โ€“ Interest rates, inflation, and policy impacts

    7:28 โ€“ First home buyer schemes and price pressure

    8:21 โ€“ Where opportunities still exist beyond FOMO

    10:20 โ€“ Rental yields, legislation, and under-rented assets

    12:46 โ€“ Yield vs growth and cash flow reality

    14:40 โ€“ Construction costs and building risks

    18:02 โ€“ How Lloyd would start investing in 2026

    20:18 โ€“ Houses vs units vs townhouses

    24:04 โ€“ Buy or sell in 2026?

    26:23 โ€“ Deal or No Deal: Property 1

    28:54 โ€“ Deal or No Deal: Property 2

    30:35 โ€“ Deal or No Deal: Property 3


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    ๐Ÿ  Looking for property management that actually works for you?

    Get personalised, hands-on support directly from industry expert and Positively Geared co-host Armando Errichiello at Property Corner: https://propertycorner.com.au


    โœ… MESSAGE ME THROUGH THESE CHANNELS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #PropertyInvesting #AustralianProperty #PropertyStrategy #Investing2026 #RealEstateAustralia #RentalMarket #PropertyCycles

    Hosted on Acast. See acast.com/privacy for more information.

    34 min
  • Christmas PROPERTY Deals: How to Win on Terms, Not Price

    ABOUT THIS PODCAST:

    Buying around Christmas can work in your favour, but only if your finance, solicitor, and due diligence are lined up.


    In this episode, Lloyd explains why the lead-up to Christmas can create real opportunities, how to win with better terms instead of higher offers, and why January can be even quieter for buyers who are ready to move fast. He also breaks down what banks do differently at this time of year, how cooling off periods really work, and why investors often avoid auctions when the numbers and risk need tighter control.


    If youโ€™re planning to buy in December or early January, this gives you a clear game plan to stay sharp, avoid FOMO, and protect yourself while still moving decisively.


    ******


    TIME STAMPS:

    0:00 - Why investors often avoid auctions

    1:27 - Why pre-Christmas can be a buying window

    4:57 - Holiday timing: solicitors, brokers, settlements

    6:06 - Using January and avoiding FOMO

    8:04 - Due diligence you should never skip

    10:07 - Bank delays and pre-approval reality

    13:24 - Auction vs private treaty: control and risk

    15:56 - Cooling off periods and negotiating time

    17:10 - Queensland clauses and deposits explained

    21:45 - Year-end tips for investors and landlords


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    ๐Ÿ  Looking for property management that actually works for you?

    Get personalised, hands-on support directly from industry expert and Positively Geared co-host Armando Errichiello at Property Corner: https://propertycorner.com.au


    โœ… MESSAGE ME THROUGH THESE CHANNELS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #PropertyInvesting #AustralianProperty #BuyersAgent #PropertyTips #RealEstateAustralia #AuctionStrategy

    Hosted on Acast. See acast.com/privacy for more information.

    32 min
  • He Bought His First Property at 20โ€ฆ Then Everything Changed

    ๐ŸŽฅ ABOUT THIS VIDEO:


    Most property investors donโ€™t fail because they pick the wrong property โ€” they fail because they never build a clear strategy in the first place.


    In this episode, Lloyd Edge sits down with senior strategist Joey Dโ€™Agata to unpack what actually separates random investing from structured, long-term wealth creation. Joey shares his own journey from buying a one-bedroom unit in his early 20s with no real plan, to gradually building a portfolio and discovering the power of equity, leverage, and strategic decision-making.


    They break down why borrowing capacity isnโ€™t unlimited, how early mistakes like cross-collateralisation can impact your future, and why having the right team around you โ€” from brokers to accountants โ€” can completely change your trajectory. The conversation dives deep into how experienced investors think, using scenario modelling to map out different outcomes before making a purchase, rather than reacting after the fact.


    Youโ€™ll also learn why most people donโ€™t need as many properties as they think, how realistic passive income targets are set, and why focusing on quality, cash flow, and long-term goals matters more than chasing numbers or trends. They explore how life changes โ€” like income growth, career shifts, or starting a family โ€” should influence your strategy, and why flexibility is critical in building a resilient portfolio.


    The episode wraps up with a live โ€œDeal or No Dealโ€ segment, where real properties are analysed to show how professionals assess value, risk, yield, and future potential โ€” highlighting why not every โ€œmust be soldโ€ listing is actually a good deal.


    If youโ€™ve ever wondered:

    โ€ข How to move from buying randomly to investing strategically

    โ€ข How many properties you actually need to reach financial freedom

    โ€ข Why cash flow and serviceability matter more than assumptions

    โ€ข Or how to plan your portfolio before making costly decisions


    This episode will help you think clearly, act deliberately, and build a property strategy that actually works.




    โœ… CONNECT WITH AUS PROPERTY PROFESSIONALS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    Hosted on Acast. See acast.com/privacy for more information.

    46 min
  • Two Properties or One? The Strategy First-Time Investors Miss

    ABOUT THIS PODCAST:

    Should you stretch for one blue chip property or split your budget across two solid buys? In this episode, Lloyd Edge sits down with Armando for the 'Positively Geared' podcast and they break down what โ€œblue chipโ€ really means, how to judge safety beyond the suburb name, and why street selection and owner-occupier ratios matter for growth.


    They compare yields, cash-flow impacts, lending realities, and market-cycle timing. Youโ€™ll see when two mid-priced properties can accelerate your portfolio, when a single premium asset makes more sense, and how to use a simple cash-flow analysis to decide with confidence. They finish with quick โ€œdeal or no dealโ€ case studies to show the thinking in action.


    If you want help mapping this to your goals, reach out to Aus Property Professionals using the details below. Like, subscribe, and share this with a mate who is weighing blue chip vs. two-cheaper.


    ******


    TIME STAMPS:

    01:46 - What truly makes a property blue chip?

    03:25 - Why can a townhouse beat an apartment?

    04:02 - What is the upside of one premium buy?

    05:09 - How do you weigh low yield and negative gearing?

    05:27 - Is a blue chip really safer?

    06:21 - How can the wrong street kill returns?

    06:58 - Why aim for 75% owner-occupiers?

    09:16 - When do two mid-priced beat one premium?

    10:39 - How does cash-flow analysis change the buy?

    13:19 - Will one house outgrow two units?

    16:27 - Is financing one blue chip easier?

    19:40 - Should market cycles shift your plan?


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    ๐Ÿ  Looking for property management that actually works for you?

    Get personalised, hands-on support directly from industry expert and Positively Geared co-host Armando Errichiello at Property Corner: https://propertycorner.com.au


    โœ… MESSAGE ME THROUGH THESE CHANNELS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #PropertyInvesting #BlueChipProperty #AustralianProperty #RealEstateStrategy #CashFlow #NegativeGearing #PortfolioGrowth #HomeBuyingAustralia

    Hosted on Acast. See acast.com/privacy for more information.

    32 min
  • The 5% Deposit Everyone Wantsโ€ฆ But Is It Worth It?

    ABOUT THIS PODCAST:

    Alboโ€™s 5% deposit scheme sounds like a fast track into the market, but is it really the smartest move for your future? In this episode we unpack who qualifies, hidden costs most buyers miss, and why servicing the loan matters more than saving the deposit. We also look at how supply shortages, stamp duty, and fast-moving auctions are pushing prices, plus the risk of negative equity if growth stalls. Youโ€™ll hear when a cheaper investment in a different city can beat the 5% route, and how to weigh lifestyle goals against long-term returns.


    If youโ€™re a first-home buyer or an investor deciding between โ€œbuy nowโ€ and โ€œbuy right,โ€ this breakdown gives you a clear way to choose.


    ******


    TIME STAMPS:

    01:21 - What exactly is the 5% deposit scheme and how does the guarantee work?

    02:26 - Who really qualifies for the scheme and what catches trip buyers up?

    04:34 - How much do stamp duty and buying costs change the true entry price?

    06:00 - What income do you need to realistically service a $1.5m purchase?

    07:06 - Does the single-parent 2% option help or create new risks?

    08:01 - Is the scheme fueling FOMO and pushing prices beyond guides?

    09:49 - Is low supply the real problem and how is it driving the market?

    12:58 - Why are recent comps useless in a fast-moving auction campaign?

    15:22 - What did past apartment oversupply teach buyers about growth risk?

    16:50 - Could a 5% deposit leave you facing negative equity later?

    17:56 - When is rentvesting or buying in another city the smarter play?

    20:56 - Should you use the scheme at all or focus on long-term growth instead?


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    โœ… MESSAGE ME THROUGH THESE CHANNELS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #SydneyProperty #FirstHomeBuyer #AustralianRealEstate #PropertyInvesting #HomeLoanTips

    Hosted on Acast. See acast.com/privacy for more information.

    32 min
  • The Block 2025: What Went Wrong with Daylesfordโ€™s $3M Homes?

    What happens when reality TV forgets real-world numbers? In this episode, Lloyd Edge breaks down The Blockโ€™s Daylesford auctions to reveal what every serious property investor can learn from the $3M listings that struggled to sell.


    From overpriced reserves to risky suburb choices, Lloyd and Armando unpack how data, demand, and due diligence must always come before design. They also explore the real consequences of chasing trends, relying on tax perks, and ignoring the fundamentals that drive long-term growth.


    Whether you watch The Block for entertainment or education, this episode separates the screen drama from the numbers that matter.


    ******


    TIME STAMPS:

    0:00 โ€“ Did The Block 2025 miss the mark?

    0:35 โ€“ Why the Daylesford location was a risky choice

    2:30 โ€“ $3M homes in an $820K suburb: where it went wrong

    3:45 โ€“ How long properties sit on the market in Daylesford

    5:30 โ€“ What happens when you build the wrong property for the wrong market

    6:55 โ€“ Did The Block do enough market research?

    8:50 โ€“ Setting the wrong reserves: why buyers walked away

    10:15 โ€“ The human cost behind TV renovation dreams

    13:00 โ€“ Will the unsold homes ever find buyers?

    15:00 โ€“ What advice would Lloyd give Channel 9 next time?

    20:00 โ€“ Why depreciation isnโ€™t a property strategy

    27:00 โ€“ Edโ€™s Deal: The final Daylesford property showdown


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    ๐ŸŽ™๏ธ Prefer to hear this podcast episode in it's audio format?

    ๐Ÿ‘‰ https://open.spotify.com/episode/66xW...


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    โœ… MESSAGE ME THROUGH THESE CHANNELS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #PropertyInvestment #TheBlock2025 #AustralianProperty #RealEstateInvesting #LloydEdge #PropertyMarket

    Hosted on Acast. See acast.com/privacy for more information.

    34 min
  • Commercial or Residential: Which Builds Wealth Faster?

    ๐ŸŽฅ ABOUT THIS PODCAST:


    Commercial vs Residential property, where should investors put their money? ๐Ÿค”


    Residential is often seen as the safer play with steady growth, while commercial can deliver higher yields but comes with bigger risks. So, which path makes more sense for your portfolio today?


    In this episode of the Positively Geared Podcast, Lloyd Edge breaks down the pros and cons of each, covering lending differences, tenant risks, location importance, and why some investors choose to start with residential before stepping into commercial.


    If youโ€™ve been asking whether to chase high yields, stick with steady growth, or explore markets beyond Sydney, this discussion will help you decide with more confidence.


    Enjoy!


    ******


    TIME STAMPS


    00:00 : Should investors start with residential before moving into commercial?

    02:35 : How do lending rules differ between commercial and residential?

    03:05 : Are long commercial leases worth the risk of extended vacancies?

    05:06 : How much do location and tenant quality matter in commercial property?

    06:34 : What happens if banks suddenly change their lending terms?

    07:39 : How do you find and manage the right commercial tenants?

    09:45 : Which is likely to perform better long-term, commercial or residential?

    14:36 : Should first-time investors look beyond Sydney to get started?

    16:34 : Will lifestyle-driven moves continue to fuel regional growth?

    20:00 : Do long-term data trends beat chasing short-term hotspots?

    20:45 : What are the top markets outside Sydney worth considering?

    23:35 : Are Perth and Darwin smart buys or too dependent on mining?


    ******


    ๐Ÿšจ Australia's OFFICIAL #1 best selling property investment book of all time in Australia of the past decade, 'Positively Geared' has just been completely revised and updated: ๐Ÿ‘‰ https://amzn.to/3VXfJTp


    โœ… HOW CAN YOU REACH OUT TO LLOYD?...


    ๐Ÿฅ‡ Aus Property Professionals is one of Australiaโ€™s most sought-after buyer advocacy agencies with over 5000 purchases made on behalf of clients.


    Book your discovery call here: https://www.auspropertyprofessionals....


    โœ… CONNECT WITH LLOYD & AUS PROPERTY PROFESSIONALS:


    Website: ๐Ÿ‘‰ https://www.auspropertyprofessionals....

    Send your questions to: ๐Ÿ‘‰ [email protected]

    Follow us on Facebook: ๐Ÿ‘‰ www.facebook.com/profile.php?id=61563777981416

    Follow us on Instagram: ๐Ÿ‘‰ www.instagram.com/lloydedge_buyersagent/

    Subscribe to our YouTube Channel: ๐Ÿ‘‰ @auspropprofessionals

    Connect with us on LinkedIn: ๐Ÿ‘‰ / lloyd-edge-b417a399


    See omnystudio.com/listener for privacy information.


    Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.


    #InvestingInAustralia #RealEstateTips #FinancialFreedom #PassiveIncome #SmartInvesting

    Hosted on Acast. See acast.com/privacy for more information.

    30 min

About Positively Geared

From the publisher's feed

Lloyd Edge, a successful property investor, demonstrates that from humble beginnings as a school teacher with moderate earnings, achieving financial freedom and lifestyle choices is possible. As theโ€ฆ