In the final episode of 2025, Neil reflects on how the Perth market really moved this year—and why the "Perth is coming off the boil" narrative missed what was happening on the ground. With listings tighter than last year, rents still elevated, and turnover running hot, the story of 2025 wasn't boom-and-bust — it was a reset driven by demand rotating through the market.

Neil updates his tier model for 2026 (and explains why price alone no longer tells the full story), then maps out what happens if rates stay flat, rise slightly, or fall. Finally, he shares suburbs he believes could be movers in each tier—from affordability-driven fringe markets through to scarce, premium blue-chip pockets.

• Why the "Perth is cooling" narrative missed what was actually happening on the ground in 2025

• How the market shifted through three tiers — and why the mid-tier movement pulled the lower bracket up

• Why listings stayed tight (and got tighter), and what that means for buyers heading into 2026

• The 2026 shift: buyer type matters more than price (affordability vs life-stage vs wealth)

• What could happen if rates stay flat, edge higher, or drop — and which tier reacts first

• Suburbs Neil's watching across each tier:

  • Tier 1: Baldivis, Ellenbrook, Alkimos, Byford, Armadale (select pockets)

  • Tier 2: Bayswater, Yokine, Morley, Willetton, Booragoon

  • Tier 3: Cottesloe, Claremont, City Beach, South Perth, Floreat

If you want a straight, on-the-ground breakdown of what really happened in Perth in 2025 — and what I think is coming in 2026 — hit play now. 🎧 Listen to Episode 179 on your favourite podcast app, or 📺 watch the full episode on YouTube.

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👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: Calendly – 15 min call

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Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

In this episode of The HMO Property Show, Neil dives into one of the most powerful forces in investing: compounding.

Using simple examples — from a 1¢ coin doubling to Warren Buffett's wealth and the "snowball down the hill" — Neil explains how compounding works for you when you invest, and against you when you sit in bad debt.

You'll learn:

• Why time in the market always beats trying to "time the market"

• How a $1M property with a $100K deposit can double your money on paper

• How credit card debt and mortgages quietly compound against you

• Why Australia's population growth and housing shortage give property a tailwind

• The difference between the person who takes action and the one who waits

• How to use goals and small daily actions to build a snowball of wealth

If you've ever thought "I've left it too late" or "I'll start next year", this episode is your sign to get the snowball rolling.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: Calendly – 15 min call

👉 Join our community: Perth HMO and High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

In this episode, Neil breaks down the exact macro and micro data points The HMO Property Co tracks to help investors identify high-growth suburbs – even if you're not ready to invest in HMOs yet.

From population growth to zoning changes, rental yields to vacancy rates, this is the ultimate blueprint for investors with $80k–$250k looking to double or triple their returns in 12–36 months. If you're trying to escape the rat race or build equity to leverage into higher-yield HMO deals, this episode is your research toolkit.

💡 Whether you're a seasoned investor or just getting started, this episode gives you the framework to analyse any suburb in Australia for capital growth potential – and avoid overpriced, overheated markets.

What You'll Learn:

• The 12 macro data points Neil's team tracks (like wage growth, job creation, and migration trends)

• 11 critical micro metrics to watch (like days on market, school zones, and owner-occupier ratios)

• Why some suburbs are tapped out – and which still have runway

• How to use this data to leap from single-dwelling investments into high-performance HMOs

🎧 Listen now or watach on Youtube

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: Calendly – 15 min call

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

In this solo episode, Neil Gibb breaks down 11 powerful reasons why real estate is still one of the smartest and most accessible ways to build wealth—especially for everyday people.

From inflation and leverage to compound growth and multiple income streams, this is a must-listen if you're sitting on cash, stuck in savings mode, or unsure how to get started.

What you'll learn:

1. Why saving alone won't build wealth

2. How real estate makes your money work for you

3. The power of leverage (and why banks love it)

4. How rent covers your debt + creates income

5. Why property grows in value over time

6. How to force growth through renovations

7. Why real estate is more stable than you think

8. Compound interest explained (simply)

9. How one asset gives you multiple ways to make money

10. Why banks love lending against property

11. How anyone can invest and succeed with the right strategy

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

Perth's market is still running hot — ultra‑low vacancies, record‑fast sales, and construction that can't keep up. In this solo update, Neil breaks down the national and WA picture, explains why the old "buy and wait" playbook stalls your borrowing capacity, and lays out a cashflow‑first strategy with infill new builds and HMOs. If you're priced out of established stock or stuck at the bank's DTI ceiling, this episode shows a smarter path that matches today's renter demand.

As discussed in the episode:

• Australia's population ended 2024 at ~27.4M (+445k, ~1.7%).

• National vacancy ~0.8%; Perth/Adelaide pockets near 0.4%.

• Projected national housing shortfall ~400k by 2029.

• WA population +70k in 2024; Perth listings down ~42% YoY.

• ~900 weekly sales; ~2,869 listings (≈33% of stock turns weekly).

• 2024 completions ~20k; 24/25 ~22.6k vs 26–30k needed.

Big idea: build what tenants actually rent (singles/couples = 70–80% of market). Cashflow pays the bills; growth is the bonus.

Shout‑out: Massive thanks to Neil's wife for guest‑hosting while he was travelling and… winning boxing matches.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

In this powerful solo episode, Neil Gibb returns to the mic fresh from an 11-week charity boxing camp that culminated in a win at the RQCC fight night – and brings with him a whole new level of insight.

Neil shares the 7 biggest lessons he learned in the ring and how they apply directly to property investing. From discipline over motivation, to preparation over performance, and the importance of having the right coach in your corner – this is a raw and practical look at how mindset, preparation, and resilience are everything in both boxing and real estate.

💥 Discover why:

• Discipline builds financial freedom

• Preparation beats adrenaline

• You're going to get hit – and how you respond matters most

• Risk management applies to the ring and your portfolio

• Confidence comes from consistency

• The real fight is won before the bell rings

If you're an investor who's plateaued, or someone needing a spark to push through the mental noise – this episode will help you reset, refocus, and get back in the fight.

Because like Neil says:

"You don't get lucky in real estate – you get ready."

🎯 Whether you're stepping into the boxing ring or the property market – this episode is your corner talk.

🎧 Available now on Spotify, Apple Podcasts & more.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

From high-flying corporate expat to single mum with $1.4 million in debt, Julie Taylor's property journey is nothing short of remarkable.

In this episode, Jo Gibb chats with Julie about how she went from managing global projects at Ernst & Young to building a property portfolio that not only supports her financially—but is now driving impact in the housing crisis space.

Julie shares:

• How a personal crisis led to financial reinvention

• Her smart strategy of balancing low, medium and high-risk property types

• The emotional side of investing as a solo parent

• Her mission to help women over 55 avoid homelessness

• Why intentional investing and contribution are essential for long-term satisfaction

This episode is a must-listen for investors who want to go beyond profit and start thinking about purpose. If you're passionate about property, community, and leaving a legacy—Julie's story will inspire you to think (and invest) differently.

🎧 Available now on Spotify, Apple Podcasts & more.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

Debt isn't the enemy. But misused, it will absolutely hold you back.

In this week's episode, Neil breaks down the truth about debt, credit scores, and how they impact your ability to scale a property portfolio.

From personal experience to national statistics, he walks you through:

• The difference between good debt and bad debt

• How credit scores are calculated—and what tanks them

• Simple steps to check, improve and manage your credit

• The impact of credit cards, Afterpay, and personal loans on your borrowing capacity

• Tools like Equifax, Experian, and how to use them wisely

• Debt-to-income ratios, defaults, and how banks assess your risk

With over $43 billion in credit card debt circulating in Australia, understanding how lenders view your profile is more critical than ever.

Key takeaway: If you want to invest with confidence, you need to understand and control your credit. This episode will show you how.

🎧 Available now on Spotify, Apple Podcasts & more.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

This week, Jo Gibb sits down with Lisa Hall — one of our incredible HMO property owners — to explore what it really means to invest in co-living.

Lisa shares her journey, the emotional and financial considerations behind her investment, and why she believes housing can — and should — be both profitable and purposeful.

From creating safe spaces for people in transition to ensuring properties are maintained with care, Jo and Lisa talk through the balance between making a return and making a difference.

This is a must-listen for anyone thinking about entering the co-living market or wanting to understand what "impact investing" actually looks like in practice.

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.

In this powerful episode, Jo Gibb speaks with Anissa Cavallo, founder of EDA Property, about her incredible journey of resilience, reinvention, and rebuilding wealth through real estate.

Anissa went from being a high-earning executive in financial services to losing everything in a divorce—home, assets, and security. With no savings and nothing left but determination, she rebuilt a 17-property portfolio from scratch using untitled land and strategic investment plays few others were willing to try.

She now channels her experience into helping women—particularly those starting over—achieve financial independence through property.

🎯 In this episode:

• How Anissa built 17 properties with limited capital

• The emotional cost of starting again—and what it taught her

• How shame, ego, and burnout impact financial choices

• The untapped opportunity in purpose-built co-living for women

• Her mission to close the housing gap for women over 50

This is a must-listen for anyone who's navigating life after loss, looking to invest with purpose, or ready to build financial security on their terms.

🔗 Learn more about Anissa's work at edaproperty.com.au

🔔 Subscribe and turn on notifications so you never miss an episode!

👉 Want help with your investment strategy? Book a free, no-obligation chat with our team: [Calendly – 15 min call]

👉 Join our community: Perth HMO and NDIS High Cashflow Investment Properties Facebook Group

Connect with The HMO Property Co: 🌐 Website: www.thehmopropertyco.com 📸 Instagram: @the_hmo_property_co 📘 Facebook: The HMO Property Co 🔗 LinkedIn: The HMO Property Co ▶️ YouTube: The HMO Property Co 🎵 TikTok: @thehmopropertyco_ 🎙️ Spotify: The HMO Property Show 🍏 Apple Podcasts: The HMO Property Show 🏘️ Living Rooms: livingrooms.com.au

🛑 Disclaimer: Nothing on this channel should be considered tax, financial, investment, or any kind of advice. Always do your own due diligence as only a professional diagnosis of your specific situation can determine which strategies are right for you. Our goal is to frequently feature actionable value, thought leadership, and property/investment strategies.