Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten.

And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it.

So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you?

By the end of this episode, you'll know exactly what the man leading the opposition to these changes thinks should happen instead.

You'll know whether a change of government would genuinely wind back negative gearing and CGT reform, or whether that's politically unrealistic once the changes are locked in.

And you'll understand where the real blame sits for the property market slowdown, because it's not as simple as the headlines make out.

My guest today is the Hon Tim Wilson, the Federal Member for Goldstein and Australia's Shadow Treasurer and in this episode I'm speaking with him about what the recent tax and housing changes mean for property, business, and retirement outcomes.

We unpack how government debt, rising taxes, and weaker private investment are reshaping Australia's economic outlook.

Tim explains why policy uncertainty is damaging confidence for property investors, business owners, and overseas capital.

We discuss how changes to negative gearing, capital gains tax, and trusts could lift rents and deter new housing supply.

We also explore why a growth-focused, small-business-led economy is, in Tim's view, the best path forward.

Takeaways

• Government debt today becomes tomorrow's taxes, squeezing household spending and future investment choices.

• Inflation erodes living standards by lifting supermarket prices while wages and productivity struggle to keep pace.

• Public-sector job growth can crowd out private enterprise, weakening long-term economic resilience and innovation.

• Higher taxes on property investment reduce rental supply, pushing rents upward for tenants.

• Tax changes that hurt housing feasibility discourage builders, slowing new dwelling construction across the market.

• First-home buyer schemes can unintentionally inflate entry-level prices by boosting demand faster than supply.

• Retrospective rule changes destroy investor confidence, making long-term capital allocation far riskier.

• Trust tax reforms may trigger costly restructures, wasting time and money across the economy.

• Prioritising super over home ownership delays deposits, family formation, and wealth-building for younger Australians.

• Small businesses drive productivity and hiring, so backing them supports broader economic growth and opportunity.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report

Michael Yardney – Subscribe to my Property Update newsletter here.

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Hon Tim Wilson – Shadow Treasurer https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=IMW

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

July has delivered the clearest evidence yet that Australia's property market has changed direction, but the headline figures only tell part of the story.

Capital city house prices fell by 1.5 per cent over the month, the sharpest national decline since August 2022, while Sydney recorded a particularly significant fall of 2.7 per cent.

Melbourne house prices are now almost 6 per cent lower since the beginning of the year, and prices also declined across Brisbane, Adelaide, Perth and Darwin during July.

Yet look beneath those monthly figures and Australia still has several very different property markets moving at different speeds, with units holding up better than houses nationally, despite some substantial monthly falls in individual capitals.

So, are these July figures simply the result of the usual winter slowdown, amplified by higher interest rates and reduced confidence, or are they signalling a more serious downturn?

That's what I'm ask Dr. Andrew Wilson, in today's show as we discuss the latest housing market movements and what they mean for buyers and investors.

We unpack how winter conditions, higher rates, and weaker confidence have slowed activity across the capital cities.

We look at why Sydney and Melbourne are underperforming, while Perth, Brisbane, and Darwin remain remarkably resilient.

We also explore why units are holding up better than houses, especially in markets with stronger underlying demand.

Finally, we discuss rents, inflation, and the Reserve Bank outlook, then finish with a long-term view on opportunity in the downturn.

Takeaways

• Capital city house prices fell 1.5 percent, signalling a broader winter slowdown.

• Sydney's sharper decline reflects weaker clearance rates and softer buyer demand.

• Melbourne and Sydney are lagging because premium segments are correcting faster.

• Perth, Brisbane, and Darwin still show strong annual growth momentum.

• Units are outperforming houses because affordability keeps buyers in that market.

• Low vacancy rates are keeping rental pressure high across most capitals.

• Higher rents increase cash flow pressure for tenants and improve investor yields.

• Strong employment is supporting housing demand despite market uncertainty.

• Rising electricity costs are adding inflation pressure and influencing Reserve Bank decisions.

• Longer term investors can benefit when uncertainty reduces competition and improves negotiation power.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.

Michael Yardney – Subscribe to my Property Update newsletter here.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

You've probably heard the media, politicians and economists talking about "the inflation rate" as though every Australian is experiencing the same increase in their cost of living.

But the official CPI figure may bear little resemblance to what is happening in your household.

Because here's the uncomfortable truth. That headline number is an average. It's a blend of everything from lettuce to laptops, and if your money goes on housing, health care, insurance and electricity rather than imported gadgets and clothing, your real cost of living has probably been running well above what the news is telling you.

Today we're going to pull that number apart. We're going to look at who actually suffers the highest inflation in this country, why government policy is doing more damage to your cost of living than any war or supply shock, and why understanding your own personal inflation rate matters just as much to your wealth-building strategy as your choice of property.

By the end of this episode you'll know exactly where you sit on what my guest calls the inflation pyramid, which categories of spending are quietly eating your returns, and why housing costs in particular have become one of the clearest examples of government-made inflation in the country.

My guest today is Ashley Owen, Principal of Owen Analytics and one of the most respected independent economists and investment analysts in Australia.

Takeaways

• Official CPI figures hide big differences between household spending patterns and real cost pressures.

• Renters face stronger inflation because more of their budget goes to utilities, taxes, and housing costs.

• Government-driven costs push housing inflation higher through taxes, regulation, and construction bottlenecks.

• Imported goods often offset inflation, but local services keep rising through wage and productivity pressures.

• Insurance, healthcare, and education climb faster because they rely heavily on expensive Australian labour.

• Personal inflation rates matter more than averages when planning retirement withdrawals and long-term cash flow.

• Higher inflation erodes mortgage balances over time, benefiting borrowers who own quality assets.

• Delayed rate cuts and political spending can keep interest rates higher for longer.

• Land scarcity in concentrated cities pushes up property values and construction costs.

• Wealth plans must outperform inflation or purchasing power steadily shrinks over decades.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter here.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Ashley Owen, Director of Owen Analytics https://www.owenanalytics.com.au/

Articles mentioned in the podcast:

· Housing inflation higher than CPIhttps://www.owenanalytics.com.au/2026jul20-housing-inflation

· What's your personal inflation rate?https://www.owenanalytics.com.au/2026jul14-infl-categ

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Most investors think the goal is to eventually build a portfolio that throws off enough passive income to live on.

It sounds sensible, doesn't it? Buy assets, collect the rent or dividends, and one day replace your salary.

But what if that idea is not only outdated, but mathematically inefficient?

What if chasing income too early actually leaves you with less wealth, less flexibility, and more risk in retirement?

Today I'm joined by Stuart Wemyss who back in 2018, published Investopoly, built around eight golden rules for building wealth.

Since then, we've had a property boom, COVID, a lending crunch, a rapid rate-rising cycle, and a very different investment environment.

So the obvious question is: which of those rules still hold up? Which ones needed sharpening? And which one did Stuart actually reverse?

In this episode I'm speaking with Stuart Wemyss about how he's refined his thinking on building wealth with intention.

We unpack the core principles that still matter most when choosing quality assets and setting a long-term strategy.

We discuss how cash flow, investment efficiency, and time work together to shape stronger financial outcomes.

We explore why buying the right assets at the right price matters more than chasing short-term market noise.

We finish by looking at how changing market conditions, tax rules, and longevity risk influence smarter property decisions.

Takeaways

• Wealth building works best when strategy, patience, and discipline all align consistently.

• Quality assets outperform average ones because scarcity supports stronger long-term demand.

• Cash flow strength helps investors stay resilient through interest rate rises and uncertainty.

• Investment efficiency improves returns when capital is directed into assets with growth potential.

• Time amplifies property wealth by allowing compounding to reward long-term holders.

• Buying well matters because entry price strongly shapes eventual capital growth.

• Chasing short-term trends can distract investors from fundamentals that actually build wealth.

• Changing tax and lending rules can alter the best structure for investing.

• Longevity risk means retirees need assets that balance income, growth, and liquidity.

• Future-focused investing means choosing assets that tomorrow's buyers will still want.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

· Everyone wins a copy of a fully updated property report.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Stuart Wemyss – Prosolution Private Clients

Stuart's new book – Wealth by Design: 8 rules for smarter investing and financial freedom

https://www.amazon.com.au/Wealth-Design-smarter-investing-financial/dp/192318654X/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Right now, thousands of Australian property investors are being drawn to off-the-plan properties like moths to a flame. And I understand why.

After the 2026 Federal Budget changes to negative gearing and capital gains tax, new properties are suddenly looking very attractive. The marketing is glossy, the tax benefits sound compelling, and the salespeople are convincing.

But here's what those salespeople won't tell you. Signing that contract is the easy part. What happens over the next two years - and at settlement - can financially ruin you.

Today, I'm chatting with Dorian Traill, Senior Wealth Strategist at Metropole, who walks us through exactly how the finance side of these deals works, and more importantly, all the ways it can go catastrophically wrong.

If you or someone you know is being tempted by an off-the-plan purchase right now, you need to hear this episode before you sign anything. And even if you're not interested in buying off the plan at present, there's going to be some great tips from Dorian to help you as a property investor.

In this episode, we discuss the hidden risks of buying off the plan in today's changing market.

We unpack why glossy marketing, tax incentives, and pre-sales can make these projects look safer than they really are.

We discuss how long settlement timelines expose buyers to finance changes, income shocks, and valuation gaps.

We explore why lender caution, oversupply, and shrinking loan ratios can derail a deal at settlement.

We also look at how contract clauses, design changes, and delayed builds can leave investors trapped in risky commitments.

Takeaways

• Off-the-plan sales help developers secure bank funding by proving enough pre-sales.

• Buyers often commit years before completion, increasing exposure to changing circumstances.

• Conditional finance approvals usually expire long before settlement arrives.

• Lenders may reject loans in oversupplied postcodes or high-rise buildings.

• A lower valuation at settlement can force buyers to find extra cash.

• Oversupply can push rents down after temporary rental guarantees end.

• Small apartments often attract fewer buyers and weaker resale competition.

• Contract variation clauses can reduce apartment size or alter finishes materially.

• If a developer fails, buyers may remain trapped in limbo.

• Tax benefits cannot rescue a poorly chosen property or weak location.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Dorian Traill – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/

Michael Yardney – Subscribe to my Property Update newsletter here

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High performance mindset• Risk management thinking• Decision making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Today, I want to share 25, let's call them commandments, for financial wealth and success.

And to get the message across best to you, I decided to do something a little different. Normally, I have a guest, but this time it will be just you and me as I share these ideas with you.

These aren't property rules, and most of them aren't even investment rules in the traditional sense.

They're the broader truths about money and behaviour I've collected over the years, the ones that apply whether you're buying property, building a business, or simply trying to retire with options rather than regrets.

In this episode, I discuss that real wealth comes from mindset, patience, and discipline more than from chasing shortcuts or trying to predict the market.

I also emphasize that progress should be measured against your own starting point, not against other people's highlight reels.

I also remind you that ultimately, the person you become matters just as much as the assets you build.

Takeaways

• Wealth is built through patience, consistency, and discipline

• Market volatility is the price of long-term growth

• Measure your progress against your own starting point

• Focus on process, not market predictions

• Quiet accumulation creates real wealth

• Character matters as much as money

• Emotional steadiness helps during uncertainty

• Luck favours those who prepare well

• Reinvest consistently over time and allow compounding to work its magic.

• Avoid chasing shortcuts and quick wins

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time?

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

Success in property investment isn't just about numbers - it's about mindset, behaviour and decision making.

In The Michael Yardney Podcast, we explore the psychology of wealth, the habits of successful investors, and how to think strategically during uncertain market conditions.

Regular topics include:

• Psychology of money and wealth• Investor behaviour and market cycles• Rich habits vs poor habits• High-performance mindset• Risk management thinking• Decision-making under pressure• Long-term investing discipline• Overcoming fear in property markets• Building wealth through strategy, not speculation

If you want to avoid common investor mistakes and develop the mindset required to build lasting wealth in Australia's property market, this podcast is for you.

More resources at:https://propertyupdate.com.auhttps://metropole.com.au

Most of us spend years trying to figure out money - what to do with it, how to invest it, how to make it work harder. But imagine if someone had taught you the fundamentals when you were a child.

Because here's what I've seen over the years - the families who build lasting generational wealth don't just accumulate assets. They pass on the mindset, the habits, and the financial literacy that lets the next generation take it even further.

So what if we could give our kids that advantage? What if we could raise children who grow up genuinely confident about money, investing, and building wealth - instead of spending their adult years trying to unlearn bad money habits?

And don't worry if you don't have children yet or are not planning to have children. There'll be lots in today's show to help you with your money habits.

My guest today - Sarah Megginson is one of Australia's most recognised personal finance experts, with over 20 years of experience in property, finance and investment journalism. Her new book is called "How to Raise Rich Kids: Build Lasting Wealth for Your Children" - and it's a genuinely practical guide for any parent who wants to get this right, whether they feel totally on top of their own finances or are still working it out themselves.

In this episode I'm speaking with Sarah Megginson about raising financially confident kids and why money habits start earlier than most parents realise.

We unpack how children absorb money attitudes from home, and why your own behaviour shapes their financial future.

We discuss practical ways to teach budgeting, saving, and decision-making through everyday moments like shopping and family conversations.

We also look at how digital money, credit, and buy now, pay later can confuse young people without proper guidance.

Finally, we explore why the real legacy is not just wealth, but financial intelligence, confidence, and family values.

Takeaways

• Early money lessons at home shape children's habits long before adulthood.

• Open conversations about money reduce fear and build financial confidence.

• Children learn budgeting faster when they help compare real prices.

• Digital spending removes friction, making impulse purchases easier to justify.

• Buy now, pay later can hide debt from young people's awareness.

• Parental stress around money often becomes children's emotional money blueprint.

• Passing on financial intelligence matters more than handing over assets.

• Involving kids in decisions builds responsibility and long-term confidence.

• Reframing "we can't afford that" teaches values, not scarcity.

• Regular family money talks help prevent silence, shame, and poor financial choices.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of Negotiate Influence Persuade.

• Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

Michael Yardney – Subscribe to my Property Update newsletter here

Sarah Megginson's Book How to Raise Rich Kids - https://www.amazon.com.au/How-Raise-Rich-Kids-Children/dp/1923390244

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Get the team at Metropole to create a Strategic Property plan for your needs. Click here and have a chat with us.

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Here's a question that makes almost every Australian a bit uncomfortable if they're honest with themselves.

Do you actually want housing to become more affordable, or do you just want it to become more affordable for your kids while your own home keeps growing in value?

That tension sits underneath almost every conversation about housing affordability in this country, and it's rarely spoken about directly.

By the end of this episode, you'll understand why affordability isn't really one problem but several problems wearing the same name, why a property crash wouldn't actually solve anything, and why the real path forward for Australia is a much slower and more deliberate one than most people expect.

In this episode I'm speaking with Simon Kuestenmacher, and we unpack why housing affordability is more complex than the headlines suggest.

We explore why affordability isn't one problem, but several issues hiding under the same label.

We discuss how a property crash would not fix the structural pressures driving Australia's housing debate.

We look at the tension between wanting cheaper homes for the next generation and preserving wealth in existing property.

We also examine why slower, more deliberate change is the only realistic path forward for Australia's housing future.

Takeaways

• Housing affordability includes income, supply, migration, and policy pressures all at once.

• Rising property values can create wealth for owners while worsening access for first-home buyers.

• A property crash would damage confidence, savings, and household balance sheets broadly.

• Slow housing reform helps avoid panic while still improving long-term market stability.

• Population growth continues to pressure demand even when new supply is expanding.

• Affordability debates often mix emotional arguments with very different economic realities.

• Existing homeowners may support change for others while resisting value declines themselves.

• Demographic shifts strongly influence where demand grows across cities and regions.

• Short-term headlines can distract investors from structural trends shaping future property performance.

• Better decisions come from understanding trade-offs rather than chasing simplistic housing slogans.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

• Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time?

• Every entry receives a copy of a fully updated Michael Yardney Property Report.

Michael Yardney – Subscribe to my Property Update newsletter her

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us

Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.

Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.

The Michael Yardney Podcast dives into:

• Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning

If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.

Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

What if someone handed you the answers before you sat the exam?

That's essentially what today's guest is doing.

After decades of personal property investing and working alongside hundreds of investors at Metropole, Adam Hubbard has distilled everything he's learned - the wins, the near-misses, and the lessons that only time and experience can teach - into 10 principles that could genuinely reshape how you approach building wealth through property.

These aren't theories. They're hard-won truths from someone who has lived through multiple market cycles, seen investors make the same costly mistakes over and over, and quietly built significant wealth by staying the course when others panicked.

By the end of this conversation, you'll know exactly what separates investors who achieve real financial independence from those who stay stuck, why the most successful investors often look boring compared to everyone else, and what Adam would do differently if he were starting out today.

Takeaways

• Mindset shifts are crucial for evolving as a successful property investor.

• A clear investment plan is essential for navigating property markets effectively.

• Long-term perspectives help investors outperform short-term market fluctuations.

• Research is key to identifying high-growth property locations.

• Effective debt management is both an art and a science.

• Contrarian thinking helps investors ignore media hype and focus on fundamentals.

• Building a professional team treats property investment as a business.

• Market cycles and economic uncertainty require strategic navigation.

• Inflation supports long-term property wealth creation.

• Avoiding analysis paralysis is crucial for taking decisive investment steps.

Links and Resources:

Answer this week's trivia question here - https://www.PropertyTrivia.com.au/

· Win a hard copy of Negotiate Influence Persuade.

· Everyone wins a copy of a fully updated property report.

Michael Yardney

Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

Adam Hubbard – Senior Wealth Strategist Metropole https://metropole.com.au/expert/adam-hubbard/

Get a bundle of free reports and eBooks: www.PodcastBonus.com.au

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

Australia's property market has changed gears again.

For the last few years, we've had a market driven by strong population growth, a chronic shortage of homes, tight rental markets and buyers who were desperate to get in before prices moved further away from them.

But according to Domain's latest FY2027 Forecast Report, we're now entering a very different phase.

Sydney and Melbourne house prices are forecast to fall over the next year, and Canberra is also expected to soften.

At the same time, Brisbane, Adelaide and Perth are still forecast to grow, although at a much slower pace than we've seen over the last couple of years.

And interestingly, Domain expects units to outperform houses in many of our capital cities as affordability pressures reshape the way Australians buy property.

Now, I know some people will hear this and think, "Here we go again, the market is about to fall." But that's not the way I see it.

This is not one national property market moving in one direction. It is a collection of very different markets, at different stages of their cycles, being influenced by interest rates, borrowing capacity, supply shortages, buyer confidence and changing investor behaviour.

And for property investors, that distinction matters.

Because averages can be misleading. Headlines can be dangerous. And forecasts are useful only if you understand the assumptions behind them.

Today I chat with Dr Nicola Powell about Australia's property market and the latest Domain forecast.

We unpack why the market is fragmenting across capital cities and what that means for buyers and investors.

We look at how interest rates, borrowing capacity, and rising supply are changing market conditions.

We discuss why houses and units are now moving in different directions, especially in Sydney and Melbourne.

We explore why long-term investors should focus on cycles, location, and strategy rather than short-term headlines.

Takeaways

• Australia's property market is fragmenting, with each capital city following different conditions.

• Higher interest rates have reduced borrowing capacity and cooled buyer urgency.

• Sydney and Melbourne are more sensitive to rate changes because prices are already high.

• Rising supply is shifting negotiating power toward buyers in several markets.

• Price downturns are usually shorter and milder than the growth phases before them.

• Undersupply and construction costs continue to support medium-term property values.

• Units are expected to outperform houses as affordability pressures intensify.

• Well-located, owner-occupier-style apartments usually hold up better than investor stock.

• Brisbane's rapid growth has pushed unit prices toward Sydney-level territory.

• Long-term success comes from patience, quality buying, and riding market cycles.

Links and Resources:

Answer this week's trivia question here - https://www.propertytrivia.com.au/

· Win a hard copy of Michael Yardney's Guide to Investing Successfully.

· Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.

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Michael Yardney Subscribe to my Property Update newsletter here.

Dr Nicola Powell - Chief of Research & Economics for Domain: https://www.domain.com.au/news/author/dr-nicola-powell/

Domain's FY27 Forecast Report:

https://www.domain.com.au/research/forecast-report-2027-1525739/

Domain's Property Cycle Report:

https://s3.ap-southeast-2.amazonaws.com/ffx.adcentre.com.au/domain/2026/QuickTakes/Domain_PriceCycle_Jul2026.pdf

Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia

The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.

Each week we explore:

• Australian property market updates• Property investment strategies in Australia• Melbourne property market trends• Sydney property market forecasts• Brisbane property investment opportunities• Capital growth property strategies• Property cycles in Australia• Negative gearing and tax strategy• Interest rates and their impact on property• Buyer's agent insights and investment planning

If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.

Learn more at:https://propertyupdate.com.auhttps://metropole.com.au