The Property Couch

The RBA has officially cut the cash rate by 25 basis points—and for the first time in over a year, we’re seeing meaningful rate relief reach borrowers. NAB was first to act, with all Big Four banks passing on the cut in full within an hour of the announcement. 

But with multiple more cuts predicted for the remainder of 2025… how low will rates actually go? 

💡 Thinking about refinancing or adjusting your loan strategy? Now is the perfect time to review your mortgage options.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
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- Youtube

In Ep 546, Bryce is joined by returning guest Dave Robertson—Head of Property Wealth Planning at Empower Wealth—to dive deep into one of the scariest (and most common) traps in property investing: 

The Frankenstein Portfolio. 

These portfolios are stitched together from forums, free seminars, and flashy Finfluencer advice… 

but lack one crucial ingredient: a plan. 

👉 If you missed our intro to the concept, check out Ep 543: What Is a Frankenstein Portfolio? 

In this follow-up episode, we’re going one step further and revealing how to fix it — with 3 real-life investor case studies. 

FREE STUFF MENTIONED

• Over 5,000 lives changed through strategic property planning 🎉
  Our financial advisory, Empower Wealth, has officially created 5,000 Property Wealth Plans—that’s thousands of aspiring Aussies, their families and future generations gaining clarity, structure, and a clear path toward financial peace. 
   
  This means: 
  💼 More than $10.5 billion in property recommendations
  🏡 Over 9,400 investment properties suggested through strategic planning, and
  ✅ Countless lives changed with structured, tailored roadmaps to wealth! 
   
  A huge thank you to our brilliant advisory team and clients who’ve trusted us with their journey. 🙏
   
  Want to see how a property plan would look with your goals? Book a free initial chat with our team today >>   
  
  
• Want a copy of How to Retire on $3,000 a Week — before it hits bookstores? 📘 
  To celebrate Bryce’s 50th birthday and raise funds to restore eyesight for 100 people in Indonesia, we’re gifting a copy of the new book to anyone who donates $100 or more to the John Fawcett Foundation. 
   
  ✔️ 100% of your donation goes directly to sight-saving surgeries 
  ✔️ You’ll receive the book before it hits shelves 
   
  Simply:  

1. Donate $100+ at 👉 thepropertycouch.com.au/donation 
2. Forward your receipt to 📩 [email protected] 
   
   We’re halfway to our $10,000 goal, with just days to go. Every donation counts! 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

In today’s bonus episode, Ben shares key highlights from his recent Talking Property Tax conversation with tax expert Julia Hartman—covering what smart investors need to know before 30 June. 

From HECS/HELP debt changes to interest prepayments, land tax rules, and advance rental payments on commercial property, this episode is your end-of-financial-year tax health check.  

For the original episode, tune in here: How to Boost Your Tax Return in 2025: Ben & Julia’s Hot Tips  

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

When long-time listener and four-property investor Jayson messaged Bryce on LinkedIn, we knew it was time to bring his story to the couch.

Why?

Because he’s lived through what most people won’t talk about: what happens when you trust a “top tier” buyer’s agent… and it all goes wrong.

In this raw, honest chat, Jayson reveals:
✅ The real story behind his borderless investing experience 
✅ What went wrong with not one—but THREE—properties 
✅ The moment that shattered his confidence in the professionals he hired 
✅ And how he rebuilt that trust and bought interstate (successfully!) on his own terms. 

FREE STUFF MENTIONED

• Just 3 Weeks Left to Help Restore Sight! 👁️
  To celebrate Bryce’s 50th, we’re raising $10,000 with the John Fawcett Foundation for life-changing cataract surgeries in Indonesia.
   We’ve raised $4,184.93 so far — help us hit our target by May 27!
  
  Here’s what your donation can do: 
  👁️ $100 = Restores sight to 1 person
  👁️👁️ $200 = 2 people
  🖐️ $500 = 5 people
  ✋✋ $1,000 = 10 people
   
  Donate today >>
  
  
• Last Chance to Pre-Order & Save! 📘
   Our new book How to Retire on $3,000 a Week is almost here! (RRP $32.99, as set by our publisher) Join the waitlist for exclusive extras or preorder it now from:
  • Big W ($22) 
  • Amazon ($22) 
  • Booktopia ($26.95), 
  • Angus & Robertson ($27.50)  or 
  • QBD ($28.04)
    
    
• MyKNOWLEDGE Has Landed! 🚀
  Our digital learning hub is LIVE—with 50% off until May 31! Create or log into your Moorr account, access your MyKnowledge centre and use code ACT50 at checkout.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Today we dive into a topic many Aussies don't realise they're being exposed to until it's too late: the tactics used by property spruikers to pressure you into making a decision. 

From red sticker sold signs in display booths to "limited time only" offers and infomercial-style urgency, property spruikers know exactly how to create a sense of scarcity and FOMO. 

In this short and sharp bonus snippet, you'll learn how to cut through the noise and start making confident, informed decisions when it comes to property investing! 

For the original episode, tune in here: Episode 258 | WARNING: The Unconscious Mental Triggers Property Spruikers Use To Trick You 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Folks, it’s Federal Election time! 🇦🇺🏠💥 
 
And in this special deep-dive episode, we're lifting the bonnet on the major parties' housing policies and asking the real question... 

Will they actually fix Australia’s housing affordability crisis... or just make it worse? 

Tune in to hear: 
✔️ The headline housing policies from both Labor and the Coalition 
✔️ The larger economic forces at play — supply, demand, and what’s really driving this "housing crisis" 
✔️ What it would actually take to fix Australia's housing affordability issues. 

FREE STUFF MENTIONED 

• Help Us Give the Gift of Sight to 100 More People 👁️✨
  To celebrate Bryce’s 50th birthday, we’ve partnered with the John Fawcett Foundation to restore eyesight to as many people as possible through life-changing cataract surgeries in Indonesia.
  
  Here’s what your donation can do:
  👁️ $100 = Restores sight to 1 person
  👁️👁️ $200 = 2 people
  🖐️ $500 = 5 people
  ✋✋ $1,000 = 10 people
  
  If The Property Couch has brought you value — or if you simply believe in the power of giving — please consider donating or sharing this cause with someone who might.  Donate now and help restore sight >>  
  
  
• UNDER 1 MONTH LEFT: How to Retire on $3,000 a Week
  Our third book will officially be hitting shelves on 27 May! To get up to 10% off and secure your copy, you can pre-order it today from these retailers:
  • Big W ($22)
  • Amazon ($24.74)
  • Booktopia ($26.95), 
  • Angus & Robertson ($27.50)  or
  • QBD ($32.99) 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

It’s a question many Australians are quietly asking themselves: “Is it too late for me to buy property?” 

In this TPC Gold snippet, Ben and Bryce respond to a heartfelt listener question from Luke—who, at 46, is still renting with his wife and two teenage kids.  

With $80k in savings and a growing concern about renting into retirement, Luke wants to know if it’s worth taking on a $700K mortgage at this stage of life, or if it’s simply too late to start the property journey? 

For the original episode, tune in here: Episode 361 | When Is It Too Late To Get Into Property? 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Folks, one of the most common pieces of feedback we receive on the podcast is, “I wish I’d found you guys sooner.”  

The problem they're facing now? They’ve got the correct knowledge BUT they’ve built what we call a Frankenstein Portfolio.  

We’re talking about an impressive portfolio that looks great on the surface but, in reality, has very little growth.  

So how does it happen? 
✅ What are the most common traps that lead investors to this point? 
✅ Why do so many end up here — and more importantly… 
✅ How can you rebuild your portfolio before it’s too late?  

It’s an episode for those who started without a plan or without a clear cohesion of steps but want to turn it all around because, folks, it’s NEVER too late to start again. 

Tune in now!  

P.S. Feeling worn down by headlines, tenant challenges or worn down by mates who don't get it? Listen to Bryce’s Mindset Minute for some quick wisdom to get you through these times. 

FREE STUFF MENTIONED

• COMING SOON: Your go-to library for everything property, investing & money management knowledge
  Moorr’s MyKnowledge centre is launching soon - now combined with our entire Property Couch resources (Like our free reports, calculators, courses and more!) Create your free account or login today to Moorr >> 
   
• 27th MAY RELEASE DATE: How to Retire on $3,000 a Week  
  Our third book will officially be on the selves on 27 May! To get more updates, behind-the-scenes content and VIP bonuses, join the waitlist now.
  
  Or you can pre-order it today from these retailers:
  Big W ($22)
  Amazon ($24.74)
  Booktopia ($26.95), and
  Angus & Robertson ($27.50) 
  The official RRP is $32.99 (set by our publisher 😊) — so whichever one you choose, you’re getting a great deal! 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

When it comes to buying an existing apartment or unit, doing the right due diligence can save you from years of costly surprises. 

In this TPC Gold snippet, Bryce and Ben break down the must-do checks every buyer should know before purchasing a strata or medium-density property.  

For the original episode, tune in here: Episode 240 | Is Now The Right Time to Buy a High Rise Apartment? 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

As tax season looms, we’re bringing back Australia’s #1 property tax expert, Julia Hartman, to help you understand the nuanced world of property tax.  

Julia is the Chief Technical Tax Adviser here at Empower Wealth and the founder of BAN TACS, a cooperative of tax professionals that’s been helping Aussies navigate the world of property tax since 1992.  

This week’s episode is all about how to avoid accidentally handing thousands over to the taxman.   

Here’s what we unpack:
✅ Debt Recycling: Can you legally turn non-deductible debt into deductible debt?  
✅ Joint Tenants Do NOT Technically Inherit: The critical difference between joint tenants and tenants in common. 
✅ Victoria’s $50K Land Tax Grab: Who’s caught in the net, and can you avoid it?

From legislative shake-ups to understanding the grey areas in tax-deduction strategies, this is a jam-packed episode for property investors and homeowners alike. Tune in now!  
 

FREE STUFF MENTIONED

• We’re growing — and we’re looking for passionate Buyers Agents to join our team!
  At Empower Wealth, you’ll work alongside some of the best in the business — helping everyday Australians secure their dream homes, build wealth through property, and move closer to financial peace.
  
  If you — or someone you know —  is a dedicated professional who puts people first and is ready to grow with a values-driven team, get in touch at Empower Wealth or  via The Property Couch. 
  
  
• Give the Gift of Sight – Just $100 Can Change a Life 👁️
  To celebrate Bryce’s 50th birthday, we’re on a mission with the John Fawcett Foundation to restore sight through life-changing cataract surgeries in Indonesia.
  
  Thanks to our incredible community, we’ve already raised over $50,000 — and we’re aiming for $60,000 by May 27! 
  
  As TPC listener, Jeff, shared: “It just felt so real — giving sight to unsighted people. I signed up and donated in 10 minutes.”
  
  Here’s what your donation can do:
  👁️ $100 = Restores sight to 1 person
  👁️👁️ $200 = 2 people
  🖐️ $500 = 5 people
  ✋✋ $1,000 = 10 people
  Give the gift of sight >>  

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube