How did property investor Ritesh build a multi-million-dollar property portfolio across Sydney, Melbourne, Brisbane and Cairns in just three years?

In this episode, Michael sits down with Ritesh to unpack how he overcame analysis paralysis, approached property investing like a business and used positive cash flow, market timing and leverage to grow his portfolio by approximately 60%. Ritesh also reveals how his Cairns property gained around $120,000 in one year, why he nearly invested in Perth and the strategy guiding him towards a $10 million property portfolio.

If you want to build a property portfolio with a clear strategy instead of simply buying and hoping, this episode breaks down the real decisions, numbers and lessons behind Ritesh’s journey.

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Chapters:

01:42 — Why Successful Business Owners Invest in Property

04:34 — How the Portfolio Achieved Approximately 60% Growth

06:59 — The First Deal: Buying in Waterford for $530,000

09:19 — The Perth Opportunity Retesh Almost Bought

12:05 — The Melbourne Property Purchased for Under $400,000

13:03 — The Cairns Deal That Grew $120,000 in One Year

15:13 — Four Properties in Three Years: Ritesh’s Advice

16:10 — Escaping Analysis Paralysis and Following a System

17:11 — Building a Portfolio With an Exit Strategy

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

The Australian property market fell 0.4% in June, its biggest monthly decline since December 2022. But this is not the property crash the headlines want you to believe.

In this episode, Michael breaks down the real numbers behind the downturn, why demand has paused rather than disappeared, and how new negative gearing, capital gains tax and SMSF borrowing changes could push mum-and-dad investors out of the market. He also exposes the institutional shift happening behind the scenes, with foreign-backed build-to-rent operators receiving major tax concessions while everyday Australians lose control, opportunity and access.

With billions flowing into institutional rental housing, migration continuing and buyers waiting on the sidelines, Michael explains why this temporary slowdown could become the buying window before the next property boom.

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Chapters:

00:53 — The June Property Downturn: The Real Numbers

02:19 — 1.5 Million Arrivals and a 1.5% Vacancy Rate

05:04 — CGT and SMSF Borrowing Changes Explained

06:13 — Why the Mum-and-Dad Investor Model Is Being Switched Off

07:22 — Foreign Investor Tax Cut From 30% to 15%

09:31 — 34% Investor Decline and the $30 Billion Pipeline

11:01 — How Your Super Fund Is Buying Property Without You

12:08 — Why the Property Market Pressure Is Still Building

13:20 — The Buying Window Most Australians Will Miss

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

Australia’s property rules are changing fast and everyday investors and first-home buyers are being pushed aside while large institutions gain the biggest advantages.

In this episode, Michael sits down with Joseph from It’s Simple Finance to unpack his campaign against government housing policies, the 5% deposit scheme, and why some buyers could face negative equity. They also cover SMSF changes, build-to-rent incentives, and rising rents.

Joseph also explains why current market weakness may be creating a major buying window, why investors should avoid waiting for the perfect bottom, and the simple valuation and equity strategy he believes could help buyers prepare for the next property cycle.

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Chapters:

01:12 — Why Joseph Wanted First-Home Buyers Heard

04:33 — The Prime Minister Responds in Parliament

05:39 — How the 5% Deposit Scheme Changed

07:27 — The Negative Equity Trap Facing First-Home Buyers

09:09 — Why the Budget Could Hurt Small Business

13:34 — Are Offshore Build-to-Rent Funds Getting Better Deals?

17:02 — The Tax Concessions Changing Australian Housing

20:18 — Why Institutional Landlords Could Control More Rentals

21:06 — The SMSF Property Rule That Changed Overnight

23:36 — Why Rents and Housing Supply Could Get Worse

30:46 — Incompetence or a Deliberate Property Strategy?

38:17 — Why Joseph Believes a Property Boom Is Coming

39:12 — Four Signals Creating a Buying Opportunity

42:40 — The Equity Strategy Investors Should Use Now

44:08 — Stay Ready: Joseph’s Final Property Advice

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

SMSF property borrowing rules are changing, and 10 August 2026 could be the final deadline for Australians wanting to buy residential property inside super using an SMSF loan.

In this episode, Michael breaks down the exact roadmap Pinnacle is using with clients to get SMSF property purchases done before the deadline without rushing into the wrong asset. He explains what is actually changing, why exchange matters more than settlement, why lender risk may become the real deadline, and the six phases investors need to follow, from deciding whether an SMSF property strategy suits them, to setting up the structure, locking in finance, building the right property brief and exchanging before the window closes.

If you have money in super and have been thinking about using your SMSF to buy property, this episode gives you a clear framework for avoiding costly mistakes, poor asset selection, weak cash flow, and long-term regret.

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Chapters:

1:21 — What Is Actually Changing — Borrowing vs Owning Explained

3:44 — The Six-Phase Roadmap — Work Backwards From Exchange

4:02 — Phase 1 & 2 — Decide If SMSF Property Fits, Then Build The Team

5:20 — Phase 3 & 4 — Set Up The SMSF And Lock In Pre-Approval

6:20 — Phase 5 — Build The Right Property Brief Before You Buy

7:11 — Phase 6 — Exchange Before 10 August, Settle After

10:39 — SMSF Rules That Trip People Up — Related Parties, Personal Use & Renovations

11:36 — The Bottom Line — Move Fast, But Don’t Buy The Wrong Asset

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

Brisbane property market correction is already happening on the ground, but most buyers are still waiting for the data to catch up.

In this episode, Michael is joined by Sasa Peci breaking down falling buyer confidence, rising stock levels, investor hesitation, and why the next six months could become a major buying window. Sasa shares what he is seeing across Logan and wider Brisbane, from buyers moving back to Melbourne, investors pulling back, rents likely rising, and quality owner-occupier stock still getting strong results even while the broader market slows.

If you are watching the Brisbane property market and wondering whether to buy now, wait, or avoid it completely, this episode gives you a real on-the-ground view before the numbers fully show it.

Get in touch today: https://linktr.ee/pinnaclebuyersagents

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Chapters:

1:51 — Buyers Are Scared — Fewer Transactions, Price Drops & Market Hesitation

4:47 — Investor Demand Is Slowing — Why Rental Yields No Longer Stack Up

9:38 — The Opportunity Window — Why Sasa Would Consider Buying Now

13:13 — Policy, Tax & Investor Fear — What Could Change The Market Next

21:24 — The Next 6 Months — Why This Could Be The Best Buying Window

31:02 — Meadowbrook Case Study — Why Good Locations Still Get Offers

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Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

Australian property investors are making the same portfolio mistakes over and over again, and many of them only realise when it becomes expensive to fix.

Michael breaks down the top 7 suburbs to buy in Melbourne's western corridor right now. Ranked by yield, median price, vacancy rates,  infrastructure upside, and name's his TOP pick.

From the airport rail hub repricing Sunshine's entire precinct, to why the Sunshine-to-Saint Albans price gap is a textbook ripple effect opportunity, this episode gives you the data and the strategy, not just the suburb names.

If you're looking to buy in Melbourne's west in 2026 and want to know which suburbs are worth your time (and which to avoid), this episode is essential viewing.

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Chapters:

0:28 — What Makes a Suburb Investment Grade

1:53 — Sunshine — Airport Rail, Gentrification & Growth

2:59 — St Albans — Michael’s #1 Western Suburb Pick

4:20 — Sunshine West — Affordable Entry With Renovation Upside

4:51 — Footscray — Strong Location, But Supply Risk Matters

6:08 — Melton — Cheap, Growing, But Not the Top Pick

7:25 — Werribee — Regional Hub With Long-Term Potential

8:05 — Hoppers Crossing — Established, Connected & Affordable

8:39 — Taylors Hill — Premium Owner-Occupier Appeal

9:59 — The Verdict — Why St Albans Wins

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

Sydney property prices are falling, Melbourne has slipped again, and Australia’s property market is clearly splitting into different speeds.

In this episode, Michael breaks down the latest May 2026 market data, including Sydney’s sharp 0.9% monthly drop, Melbourne’s 0.8% fall, and why houses are taking the biggest hit while affordable units are holding up better.

He also shares where investors should be cautious, why blue-chip property may not be the safest play right now, and how strategic buyers can use this correction to negotiate harder, find better stock, and uncover real value in markets like Perth, Rockingham and Warnbro.

If you’re wondering whether now is the time to buy, wait, or pivot your property strategy, this episode breaks down the risks, opportunities, and key markets to watch.

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Chapters:

1:11 — Sydney vs Melbourne — The East Coast Correction Begins

3:04 — Canberra Warning — Why Some Units Are a Definite No

3:33 — Perth, Darwin & Brisbane — The Markets Still Moving

4:48 — Houses vs Units — Why Affordable Stock Is Holding Better

6:31 — Melbourne Apartments — Cheap, High-Yielding, But Not Fast Growth

8:29 — Interest Rates & Serviceability — Why Finance Drives Property

10:09 — Should You Buy Now? — Risk Profile, Timing & Strategy

14:10 — Warnbro & Rockingham — The Undervalued Perth Opportunity

14:59 — Final Verdict — Stick With Affordable, Low-Supply Markets

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Interest rate hikes in Australia are creating property investment opportunities for buyers who know what to look for, especially while other investors are sitting on the sidelines.

In this episode, Michael breaks down why rising rates, reduced borrowing capacity, weak market sentiment, and low competition can create the perfect window to buy undervalued investment properties. He explains why ugly properties, under-rented homes, messy tenants, granny flat potential, subdivision upside, and poor presentation can be exactly where smart investors find value.

If you’re wondering how to invest during interest rate rises, what properties to target, or how to spot opportunities before the herd comes back, this episode is packed with real-world strategy

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Chapters:

0:30 — 4.35% Rates — What Changed and What Hasn’t

1:49 — Borrowing Capacity Drop — The Advantage for Savvy Buyers

2:20 — $400K Case Study — The Ugly House No One Wanted

4:01 — $13K Renovation Strategy — Kitchen, Paint & Floating Floors

4:58 — 800sqm Block Upside — Granny Flat and Subdivision Potential

6:26 — $400K to $800K — How the Property Doubled in 3 Years

6:52 — Long-Term Hold Strategy — Why Quality Stock Matters Now

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.

Australia’s proposed negative gearing and capital gains tax changes could completely change how property investors compare new builds vs established properties, but the real story is not what most headlines are saying.

In this episode, Michael is joined by Josh to model the numbers, break down the tax impact, and reveal why chasing depreciation benefits may not be the smartest strategy. They also show why “lazy investing is dead” — and why investors need better data, stronger yield strategies, and sharper asset selection moving forward.

If you’re a property investor trying to understand the proposed tax changes, new build incentives, negative gearing, CGT, or how to build wealth in the next market cycle, this episode is a must-watch.

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Chapters:

1:08 — Proposed Tax Changes — Negative Gearing, CGT & Investor Panic

7:49 — $800K Property Model — Existing vs New Build Under New Rules

14:18 — Yield Strategy Shift — Granny Flats, Duplexes & Rent Boosts

16:09 — New CGT Model Explained — Inflation, Indexation & Real Gains

17:07 — $800K Example — How Outperformance Changes the Profit

21:37 — Old Rules vs New Rules — Could Investors Pay Less CGT?

32:03 — Lazy Investing Is Dead — Why Data-Driven Investing Wins

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Get in touch today: https://linktr.ee/pinnaclebuyersagents

Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc

#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart

Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content 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.