We map the best performing investment suburbs across Australia at three price points, from $500k to $1.5m, showing how leverage and tight supply can turn a modest deposit into meaningful equity. 

We provide three suburbs at each price point and measure their performance based on capital gain, rental yield, and potential future growth in the next 12 months. 

If you ever need any help with your mortgage or your property inquiries or anything along the lines of that, you can visit us at www.itsimple.com.au. If you are looking to invest in property, we also have a panel of buyers’ agents that we work with, and we can refer you several in the market that specialise in each particular location.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
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▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Prices are climbing, tempers are flaring, and a simple promise—“buy with just a 5% deposit”—isn’t as simple as it sounds. Joe and Michael unpack the new rules around Australia’s First Home Guarantee and why it might not be the slam dunk the federal government believes. 

We draw a clean line between the federal guarantee and state‑based grants and stamp duty concessions, then walk through what that means in New South Wales, Victoria, and Queensland. 

The boys don't just complain, Joe provides practical solutions that might improve supply and demand. 

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

The biggest property gains often come from the most boring moves—and that’s exactly where Steve Palise thrives. We sit down with the engineer‑turned‑buyers’ advocate and author to dismantle catchy myths, unpack the fundamentals that actually drive returns, and show how to pick between residential, commercial, and development without getting lost in the hype. Steve shares how he scaled a buyers’ agency from overseas using deep-work blocks, SOPs, and a serious CRM, then channelled that structure into three practical books and a free 10‑hour course built to answer the questions everyone keeps asking.

We dive into the numbers that matter: vacancy risk, lease quality, and realistic lender appetite. Steve explains why Perth and Brisbane have delivered strong net yields and tight industrial/retail vacancies while Sydney’s sub‑5% returns demand bigger cheques—and how those relative values shift as yields converge. 

We break down ROI vs return on capital, the role of leverage in the early years, and why a “cash flow positive” badge means little without a decade‑long view of demand and rental growth. On the development front, Steve doesn’t sugarcoat it: margins have been squeezed, holding costs hurt, approvals take time, and banks want 15%+ profit on cost before they even listen. Small infill projects can work for the right operators, but the horror stories are real and avoidable only with proper feasibility.

If you’re tired of “one true strategy” gurus, you’ll appreciate Steve’s approach: define the goal, set the time frame, map finance constraints, then choose the least risky path that still hits the target. Expect candid talk on postcode restrictions, specialised assets, valuation traps, and the unglamorous diligence that protects your downside. 

Want more of the good stuff? Grab Steve’s free resources, then listen and tell us which market you’re eyeing next. If this helped, follow, share with a mate, and leave a quick review so more investors find facts over noise.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Think financial planners are only for the wealthy? Ray Regmi and Malissa Vargas from Ryker Capital don't think so, revealing why financial advice might be most valuable for everyday Australians.

Ray, with 21 years in financial services, and Malissa, with 32 years in lending, share powerful insights about the transformative impact of good financial planning. They explain why waiting until you're wealthy to seek advice is like saying "I need to be fit before I go to the gym" – completely backward! 

Joe explores the critical differences between financial planning and accounting, with planners focusing on future strategies while accountants reconcile the past. Ray and Malissa highlight how innovative approaches like the "cash out and re-contribute" superannuation strategy can save beneficiaries up to $300,000 in taxes. This is knowledge most people simply don't have access to without professional guidance. 

Perhaps most valuable is their insight into creating a financial ecosystem where advisors, accountants, and brokers collaborate to maximise client outcomes. This comprehensive approach protects against government policy changes while ensuring all aspects of your financial health are optimised. Whether you're struggling with debt, uncertain about retirement, or simply wanting to make better use of your income, this episode proves that financial planning isn't a luxury, it's an essential resource for building the future you deserve. 

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

In our conversation with Jacob Fahmy, Client Director for Latitude Accountants, the boys discuss all things small business - the backbone of the Australian economy. 

Australia's small business owners are facing unprecedented challenges through increasing regulations, proposed tax changes, and economic policies that favour large corporations over local entrepreneurs.

Jacob explains how structuring is the cornerstone of tax and accounting for small businesses (as well as employees) by helping you save significant money and headaches by getting things right at the start. 

Elsewhere we discuss productivity, working from home, and death taxes.

Book a free discovery meeting with Latitude Accountants if you're an ABN holder to ensure your business is structured correctly for your goals.

Contact Jacob Fahmy: 
Instagram: https://www.instagram.com/jacobfahmy 
TikTok: https://www.tiktok.com/@jacob.fahmy.tax
Website: https://latitudeaccountants.com.au

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Looking to grow wealth through property but can't afford your own backyard? JP Gabriel, founder of Investr buyer's agency, reveals to Joe and Michael his powerful strategies for navigating Australia's challenging property landscape.

JP shares his personal journey from tech professional at LinkedIn to successful property investor, building a portfolio across three states. He tackles head-on the biggest conundrum facing potential buyers today: "I want to buy my own home, but I'm either scraping the bottom of the barrel or I can't even buy something I really want to live in."

JP explains his investment philosophy: "Capital growth is the game, but cashflow keeps you playing it." He draws brilliant parallels between property investment and stock market strategies, asking why young investors chase growth in tech stocks but often prioritise yield in property.

For those weighing interstate investments, JP offers data-backed insights on the Queensland versus Victoria debate. After "nine years of growth in a four-year period" in Southeast Queensland, he believes Melbourne now presents compelling opportunities as the only state where housing affordability has actually improved.

Whether you're a first-time investor or looking to expand your portfolio, we're providing the strategic clarity needed to make confident property decisions in today's complex market. 

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

The controversial $3 million superannuation tax has sparked fierce (if not overblown) debate across Australia, with important questions about fairness, implementation challenges, and political accountability taking centre stage.

Targeting roughly 80,000 Australians (0.5% of the population) with super balances exceeding $3 million, this policy increases their tax rate from 15% to 30%. While Michael argues it affects only the wealthy, he admits there are several flaws that shouldn't be ignored. 

First is the issue of taxing unrealised gains. Property investments within super funds could trigger substantial tax bills without generating actual cash flow to cover them. Joe asks, where does this money come from? Must investors liquidate assets or pay from personal accounts? 

Even more troubling is the blatant exemption of federal politicians and defence force members from this tax increase. This "rules for thee, not for me" approach fundamentally undermines the policy's credibility and is something both the guys agree on. 

The absence of indexation represents another serious flaw. Without automatic adjustment for inflation, this threshold will gradually capture more Australians as asset values naturally increase over time. However, Michael argues that the ceiling is still so high that it is unlikely to capture many average Australians while also highlighting the unlikelihood of a future government not adjusting the indexation rate. 

Meanwhile, multinational corporations continue paying minimal tax on Australian resources they later sell back to us at premium prices. The government's willingness to target retirement savings while signing 40-year contracts with companies paying as little as 0.015% of profits in tax raises profound questions about priorities and fairness.

Want to learn more about protecting your financial future amid changing tax policies? Subscribe to The Finance Show and join the conversation about creating true economic equity in Australia.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Australia's housing market is being strangled by the NIMBY (Not In My Backyard) phenomenon, with the average first home buyer age jumping from 34 to 37 in just three years. This devastating trend shows how local opposition to development is driving up prices and pushing homeownership further out of reach for young Australians.

This episode touches on:

• The NIMBY mindset 
• Sydney's poor urban planning compared to Melbourne's more efficient grid layout
• Top 10 Sydney suburbs with less than 1% housing growth, including Glenmore Park and Illawong
• Australia approving only 500,000 dwellings while welcoming 1.34 million new residents (2022-2025)
• Housing prices skyrocketing – example of Bossley Park property gaining $160,000 in just 13 months
• Average Australian savings dropped from $39,000 to $29,000 in three years
• Overregulation and excessive red tape slowing development approvals
• Strategic property investment as a potential solution for individuals facing the housing crisis

If you need help with property investment or financial advice, contact us for guidance.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

Joe and Michael explore how Trump's tariffs are reshaping the Australian economy through currency devaluation, interest rate changes, and property market shifts, with surprising benefits for some and challenges for others.

Overall, these won't affect Australia too negatively, in fact, they might actually improve things for the Australian economy as we look to other markets, particularly China and Europe. 

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

The boys discuss the government schemes that can actually help you get into the market and start building wealth. 

Find out:

• Why someone earning $90,000 with HECS debt takes home approximately $5,200 less annually than someone without.
• What you can do if your HECS debt is stopping you from buying a property.
• Info on the federal government's investment of $182 million in NSW infrastructure to enable 25,000 new homes.
• Suburbs like Goulburn will benefit owner-occupiers priced out of Canberra.

If you need help with your home loans, refinancing, or purchasing your first home, visit us at www.itsimple.com.au.

Follow us for more property news and mortgage advice!

▸Website - https://itssimple.com.au
▸Instagram - https://www.instagram.com/itssimplefinance/
▸Facebook - https://www.facebook.com/itssimplefinance/
▸LinkedIn - https://www.linkedin.com/company/itssimple/

DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.