Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

What if the biggest obstacle between you and the life you want isn't the market, the economy or your upbringing... but your programming?

What if your money habits, your emotional reactions and even your results as a property investor are simply the byproducts of a mindset you inherited rather than chose?

And what if you could rewrite that programming?

In today's show Tom Corley and I discuss how early life experiences shape our habits and beliefs, emphasizing the importance of self-awareness, gratitude, continuous learning, and building relationships.

We also share some practical steps for changing habits and achieving personal transformation.

Takeaways

• You can change your life by changing your habits.
• Awareness is the key to changing habits.
• Gratitude is a powerful reprogramming tool.
• Relationships are the true currency of the wealthy.
• Success isn't an accident; it's a result of thoughts.
• You have to be self-aware of your thinking.
• The mindset of being self-reliant is crucial.
• Daily reading is critical to growth.
• Vision boards are powerful tools; they work.
• When you change your habits, you change your life.

Links and Resources:

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

· Win a hard copy of Rich Habits, Poor habits

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

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

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

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

Michael Yardney

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.au https://metropole.com.au

Today Ken Raiss and I reflect on the evolution of property investment over the past two decades, discussing significant changes in demographics, market conditions, and more importantly, what hasn't changed.

Because if you understand that, you'll be far better positioned to thrive in the next property cycle.

Takeaways

• Investing in property requires a long-term perspective.
• Demographic shifts significantly influence property demand.
• Supply constraints are a growing challenge in the housing market.
• Technology is changing how we approach property investment.
• Intergenerational wealth transfer is becoming more common.
• Government regulations are impacting property investment strategies.
• Strategic planning is essential for successful investing.
• Understanding market cycles is crucial for investors.
• The importance of location in property investment remains unchanged.
• Investors need to adapt to changing market conditions.

Links and Resources:

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

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

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

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

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

Ken Raiss, Director of Metropole Wealth Advisory

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.

Today, Simon Kuestenmacher and I examine the evolving landscape of home ownership in Australia.

For generations, owning a home has been at the heart of the Australian dream. In 1966, nearly three-quarters of Australian households owned their home, either outright or with a mortgage.

Fast-forward to the 2021 Census, and that figure had slipped to just 63 per cent.

For younger Australians, the drop has been even steeper. And while renting is far more common today, the cost of entry into home ownership has never been higher.

So what's driving this change? Is it just the market doing what markets do, or have we set ourselves on a path where home ownership becomes an exclusive club?

Takeaways

• Home ownership rates have significantly declined over the decades.
• Demographic shifts, particularly among millennials, are impacting home ownership.
• Economic factors, such as income growth lagging behind housing prices, are crucial.
• The wealth gap between homeowners and renters is widening.
• Political priorities are influenced by the home ownership status of voters.
• Current policies may inadvertently push housing prices higher.
• A balanced property market is essential for economic stability.
• Gradual policy changes are preferred over drastic measures.
• The future of home ownership in Australia is uncertain without intervention.
• Community engagement is vital for shaping housing policies.

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 space on.

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

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

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.

At its first meeting for 2026, the Reserve Bank lifted the cash rate to 3.85%, as most economists expected.

That move officially ends the shortest and most modest rate-cutting cycle since the RBA began inflation targeting back in 1993.

So what does this really mean for property investors, home buyers, and Australia's housing markets?

That's what I'm going to unpack, along with Dr Andrew Wilson's latest housing market data for January.

Now, let me give you a quick spoiler alert.

Yes, this rate rise will take some heat out of buyer demand in the short term. But in my view, it's also creating a genuine window of opportunity for those who are finance-ready.

Despite what the headlines will tell you, I believe housing markets are going to keep rising through 2026, just as they did last year when interest rates were at similar levels. And that's because the real drivers of property prices aren't interest rates alone – they're the underlying structural forces, which I'll explain shortly.

Takeaways

• RBA reverses course to regain control over inflation, but a single hike is unlikely to alter the housing market balance. This marks the end of the shortest and most modest rate cutting cycle since the RBA started inflation targeting in 1993.
• The outlook for the cash rate remains somewhat clouded. Given the underlying supply and demand pressures in the Australian housing sector, it is unlikely that a single rate hike will substantially alter the market balance.
• January is typically a quiet month for property sales.
• Perth's housing market is showing strong growth compared to other regions.
• Unit prices in Brisbane have seen substantial increases over the past two years.
• The local economy plays a crucial role in housing market performance.
• There is a persistent low supply of properties in the market.
• First home buyer incentives are influencing market dynamics.
• Capital growth remains a key factor for homeowners and investors.
• Market predictions indicate potential interest rate cuts in the future.
• Understanding regional differences is essential for property investment strategies.

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.

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

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.

Join Michael Yardney plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

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.

Today's show is going to hit close to home for a lot of Australians.

Because despite living in one of the richest countries on the planet, the vast majority of Aussies are quietly battling something uncomfortable – the inability to actually build their wealth.

We're working harder than ever. We're earning more than ever. But most households still feel like they're running on a treadmill.

Why is that? Well, it's rarely about income. It's rarely about intelligence. It's rarely about effort.

Today I'm joined by Australia's leading property tax strategist, Ken Raiss, to help you understand why Australians struggle to accumulate wealth and what the wealthy do differently.

Takeaways

· Most Australians feel financially insecure despite living in a wealthy country.

· Mindset plays a crucial role in determining financial success.

· Wealth creation requires strategic planning and a clear roadmap.

· Investors often limit their potential due to outdated beliefs.

· The importance of having a strong 'why' behind financial goals.

· Asset ownership and structuring can significantly impact wealth accumulation.

· A holistic approach to wealth creation is essential for long-term success.

· Inheritance and estate planning require careful consideration and strategy.

· Successful investors think long-term, often planning decades ahead.

· Collaboration with a wealth strategist can enhance financial outcomes.

Chapters

00:00 Why Australians struggle to build wealth despite high incomes. 04:50 Planning, education and the missing roadmap to wealth. 09:00 Wealth stages: growth, consolidation and preservation differ. 12:40 Using peak earning years to accelerate long-term outcomes. 16:10 Ownership structures, trusts and protecting accumulated wealth. 20:00 Why successful investors think long-term and work with strategists.

Links and Resources:

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

· Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law

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

Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

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

Michael Yardney

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

Ken Raiss, Director of Metropole Wealth Advisory

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.

Have you ever looked at today's property prices and wondered, How is this even possible?

How can values keep climbing when interest rates are still high, affordability is stretched to breaking point, and so many Australians feel locked out of the market?

You're not alone. It feels counterintuitive. It feels unfair.

And for many, it feels completely unsustainable. But here's the uncomfortable truth about our housing market - and it's the part most people don't want to hear.

Property prices don't rise because the average Australian can afford them. They rise because the marginal buyer – the person actually able to transact today – can.

And right now, that marginal buyer looks very different from the one we had even a decade ago.

Takeaways

· Property prices are rising due to the marginal buyer's ability to transact.

· Wealthy buyers are dominating the market, driving prices up.

· Downsizers are reshaping the market by purchasing debt-free properties.

· Government incentives are pushing more buyers into the market.

· Buyers are adapting by compromising on location and property type.

· Structural under supply is a significant factor in rising prices.

· Affordability issues are sidelining some buyers but not all.

· The Bank of Mum and Dad is a major influence in property transactions.

· Investors need to focus on quality assets in gentrifying suburbs.

· Long-term market predictions indicate continued price growth despite challenges.

Chapters

00:00 Why prices keep rising despite poor affordability.

04:30 Who the real marginal buyers are today.

08:20 Downsizers, cash buyers and the Bank of Mum & Dad reshape demand.

12:30 First-home-buyer incentives push prices, not affordability.

16:00 Behaviour shifts: units, townhouses, rent-vesting.

19:30 Structural undersupply ensures ongoing price growth in 2026.

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

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

Michael Yardney

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

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

Join Michael Yardney and a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

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.

If you could see one number that reliably predicts where property prices are heading next, would you want to know what it is?

Well, today, you're about to find out — and it's not what you think.

You see…most investors think population growth drives property prices… but today I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who's done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply.

Our conversation highlights the need for long-term strategies and a focus on fundamentals to achieve sustainable growth in property investments.

Takeaways

· Property price growth is influenced by various factors, not just population growth.

· Lending volumes can be a better predictor of property price movements than population growth.

· Investors should be cautious of markets driven primarily by speculation.

· Consumer sentiment plays a crucial role in lending and property prices.

· Economic factors like interest rates significantly impact lending volumes.

· A high proportion of investors in a market can signal potential risks.

· Understanding market cycles is essential for long-term property investment success.

· Focus on long-term fundamentals rather than short-term trends.

· Successful property investment requires a coordinated strategy across financial services.

Chapters

01:46 – Why the Last Five Years of Property Data Can Mislead Investors

04:40 – Lending Volumes vs Population Growth: What Really Drives Prices

08:20 – Cash Buyers, Investor Ratios and Market Stability

11:38 – Sentiment, Employment and the Factors Behind Borrowing Power

15:23 – State-by-State Differences and Why Markets Move Out of Sync

17:55 – How Lending Trends Predict Cycles and Help Time Your Entry

Links and Resources:

Michael Yardney – Subscribe to my Property Update newsletter here

Stuart Wemyss – Prosolution Private Clients

Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/

Stuart's Book – Rules of the Lending Game & Investopoly

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. Or click here: https://demographicsdecoded.com.au/

Everywhere you look, people are talking about the Brisbane property market.

The Olympics are coming, property prices have surged, and there's this growing belief that Brisbane is the place to be for investors right now.

In fact, it's not just Brisbane, but a whole swag of new and let me call them inexperienced buyers agents are suggesting buying in regional areas of northern Queensland.

But history tells us something interesting - when everyone's talking about a market, it's often already too late.

So, is Brisbane still a smart investment play, or has the boat already sailed?

To help unpack that, I'm joined by my business partner and National Director at Metropole, Brett Warren, who's based in Brisbane and has been studying this market for decades.

Despite being a proud Brisbanite, Brett's going to share why he believes now might not be the best time to be chasing growth in Brisbane, and he's here to tell us why.

In this conversation, we discuss the current state of the Brisbane property market, the implications of the upcoming Olympics, and the importance of strategic investment.

The discussion also highlights Melbourne's potential as a new investment opportunity, contrasting it with Brisbane's current market dynamics.

The conversation concludes with practical takeaways for investors looking to navigate the property landscape effectively.

Takeaways

· Brisbane's property market has seen significant growth but may be reaching its peak.

· Understanding property cycles is crucial for making informed investment decisions.

· The upcoming Olympics may not significantly impact the property market as expected.

· Investors should look beyond Brisbane for opportunities, particularly in Melbourne.

· Melbourne is currently undervalued compared to other major cities in Australia.

· Quality locations with proven demand are essential for long-term investment success.

· Investing strategically and based on data is more effective than following trends.

· The local economy and job growth are key drivers of property demand.

· Investors should be cautious of inexperienced agents pushing regional properties without solid economic foundations.

Chapters

01:47 – Why the Brisbane Boom May Be Peaking

03:59 – Olympics Hype vs Real Property Cycles

06:43 – The Risks of Chasing Regional Queensland

09:03 – Affordability Ceilings and Slowing Momentum

13:11 – Why Crowd-Chasing Fails and What to Do Instead

15:48 – Melbourne's Rebound and Sydney Apartment Opportunities

Links and Resources:

Answer this week's trivia question here - http://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.

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

Brett Warren - National Director of Property at Metropole

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. Or click here: https://demographicsdecoded.com.au/

What if the biggest lessons that will shape property investing in 2026 have already happened, and we just need to stop long enough to notice them?

Every year leaves clues. Some are obvious in hindsight, others quietly shape the next cycle without anyone paying attention.

And 2025 was packed with more of these clues than most years.

So today, Brett Warren and I unpack the 25 lessons from 2025 that smart property investors should carry into 2026 – the insights that help you cut through the noise, stay focused, and position yourself to thrive regardless of what the economy throws at us.

Takeaways

· Every fence in your life has a purpose; understand it before removing it.

· Media headlines can mislead; focus on long-term strategies instead.

· Investing is about finance, not just property; have a solid financial plan.

· Don't follow the crowd; the majority often makes poor investment choices.

· Diversification is key; don't rely on a single income stream.

· AI can assist in property research, but human insight is irreplaceable.

· Demand for property is outstripping supply, creating opportunities.

· The wealth gap is widening; those who invest will benefit more.

· Plan for the unexpected; have buffers in place for market fluctuations.

· 2026 is a year of opportunity for strategic investors.

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.

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

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

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

Brett Warren - National Director of Property at Metropole

Michael Yardney

Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

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.

Whether you're just starting out, deep in your wealth-building years, or nearing retirement, it's only natural to wonder: "How do I stack up compared to others?"

In today's show, Simon Kuestenmacher and I look into the fascinating – and sometimes uncomfortable world of generational wealth.

We discuss the current financial landscape, highlighting the wealth distribution among baby boomers, Gen X, millennials, and Gen Z.

Our conversation delves into the challenges faced by each generation, the impact of intergenerational wealth transfer, and the importance of strategic financial planning.

So if you're interested in whether you're on the right track financially – whether you're ahead of the average, or still catching up – stay tuned. This conversation might be the benchmark you've been looking for.

Takeaways

· Money only solves money problems, not all life problems.

· Wealth is built over decades, not overnight.

· Averages can be misleading; individual circumstances vary widely.

· Property remains a key asset for wealth accumulation in Australia.

· Generational wealth transfer is significant, especially from baby boomers to millennials.

· Millennials face unique challenges in the current economic landscape.

· Gen Z is just starting their financial journey with high debt levels.

· Financial strategies should be deliberate and well-planned.

· Relationships and health are crucial components of true wealth.

· Understanding demographic trends can inform better financial decisions.

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.

Join Simon Kuestenmacher and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.

Michael Yardney

Get the team at Metropole to create a Strategic Wealth plan for your needs. 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.