In this Q&A John and Rachelle answer your questions about:

👉🏼 charging market rent vs treating tenants kindly

👉🏽 investing strategy fundamentals

👉🏾 upsizing soon vs after child in 2-3 years

👉🏿 why there is a lack of support for ex-homeowners getting back into the market

👉🏻 top things to consider before buying first home

👉 when will the Brisbane market slow down and when should I sell?

Listen to 439 John's 8 point property investing strategy: Apple Podcast | Spotify

Book a clarity call with John here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

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Is using ChatGPT to pick your next investment suburb a good idea… or a very expensive mistake? John is joined by returning guest data scientist Luke Metcalfe from Microburbs to discuss:

👉 is AI is a reliable tool for investors?

👉🏼 how to find your next place to buy using Microburbs

👉🏽 property returns - the median vs top 10% of investors

👉🏾 do views actually add value?

👉🏿 what performs at a street-level

👉🏻 the supply risk for units

👉 how to find NIMBY suburbs

👉🏼 the migration “goldilocks zone” for capital growth

Listen to episode 744 with Luke, 'buying in the right location for capital growth': https://shows.acast.com/my-millennial-property/episodes/744

Property returns research paper mentioned in the chat: https://www.microburbs.com.au/v3/microresearch

Learn more about Microburbs: https://www.microburbs.com.au/

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rach and John delve into their predictions for the property market in 2026, covering:

👉🏼 interest rate uncertainty in 2026

👉🏽 price growth

👉🏾 cap city outlook

👉🏿 Brisbane: hype or real momentum?

👉🏻 Sydney affordability & growth limits

👉 regional market outlook

👉🏼 apartment growth

👉🏽 lending landscape for first home buyers & investors

👉🏾 rental squeeze & housing pressure

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Queensland has gone from the quiet achiever to one of the most talked-about property markets in the country and in this episode, Rach is joined by buyer’s agent Luke Aldridge from Envisage Property to unpack what’s really happening on the ground. They chat about:

👉🏼 Luke’s background & becoming a buyer’s agent

👉🏽 how Covid changed QLD property forever

👉🏾 Sunshine Coast & Gold Coast growth explained

👉🏿 regional QLD hotspots investors overlook

👉🏻 Ipswich deep dive

👉 Luke’s tips for investors buying in today's property climate

👉🏼 managing flood and fire risks of buying in SE QLD

👉🏽 how offers and contracts work in QLD

👉🏾 some buyer case studies

👉🏿 where Luke would invest today

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Rach is joined by one of Australia’s top mortgage brokers, Joe Carroll from Sphere Home Loans, to unpack what’s really happening in the lending landscape right now. They discuss:

👉🏾 the current lending landscape as at January 2026

👉🏿 Joe's tips to multi-investors

👉🏻 APRA, DTI limits & what it really means for investors

👉 the trust & company lending shake-up explained

👉🏼 the power of getting valuations and unlocking equity

👉🏽 Joe's tip for first-time property buyers

👉🏾 increased flexibility for self-employed people

👉🏿 rate rise expectations & should you fix?

👉🏻 negotiating your own rate with the bank

👉 Joe's final advice for investors

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rach interviews Ryan* who, after selling his first home at a loss, has methodically rentvested and built up a portfolio worth over $3m across QLD. Ryan walks through every decision, mistake and turning point, touching on:

👉🏾 buying his first home on the Gold Coast in 2009 and selling 5 years later

👉🏿 rentvesting and buying IP 1 in 2018 in Brisbane

👉🏻 buying IP 2 in 2020 in Ipswich

👉 buying IP 3, 4 and 5 in 2022 in Townsville

👉🏿 buying IP 6 in 2024 in Townsville with the long term goal to retire into it

👉🏻 his landlord philosophy

👉 what each property is worth as of December 2025

👉🏽 Ryan's tips for selecting properties and property managers

👉🏿 owning property 6 outright and his ultimate goal for the property portfolio

*Name changed for privacy

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

John and Rachelle are joined by Geoff Lucas, former CEO of McGrath and The Agency, to unpack what really goes on behind Australia’s real estate industry. They dive into leadership, high-performance culture, market cycles, what needs to improve and how technology and transparency could reshape buying and selling over the next decade.

👉🏼 Geoff's career background

👉🏽 franchise vs boutique real estate models

👉🏾 scaling McGrath & building high-performance culture

👉🏿 leadership lessons for business owners

👉🏻 current property market conditions and what can we expect in 2026

👉 what drives property price growth

👉🏼 supply shortages & immigration

👉🏽 industry transparency & system flaws

👉🏾 the future of real estate & AI

👉🏿 the future of buyers agents & vendor advocacy

👉🏻 best property advice ever received

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Today's episode is a mix of clips from episodes this year unpacking how property lending really works, from loan structures and redraw strategies to bank policy changes and valuations. Topics covered:

👉🏾 using redraw from your investment loan to buy ETFs (clip from ep740)

👉🏿 using interest-only IP loans to smash PPOR mortgage faster (clip from ep737)

👉🏻 how accurate is the CommBank Home Hub property valuation? (clip from ep737)

👉 is it a good idea to buy an investment property with cash? (clip from ep746)

👉🏼 Macquarie bank pulls out of trust and company lending (clip from ep745)

👉🏽 Ubank now offers 90% loans with no LMI 😱 (clip from ep745)

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include:

👉🏿 investment property choice: Sydney vs. regional? (clip from ep731)

👉🏻 claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740)

👉 pay off my property or use equity and invest now? (clip from ep731)

👉🏼 using equity to buy another investment property (clip from ep737)

👉🏽 what data says about choosing location: post-covid shifts & satellite cities (clip from ep 744)

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about:

👉🏻 buying with an investor mindset from day one

👉 how picking locations he knew shaped his strategy

👉🏼 how he managed serviceability as a single buyer and as the portfolio grew

👉🏽 learnings: his first property was his worst performer

*Name changed for privacy

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.