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/

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

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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.

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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.

Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about:

👉🏾 how regional markets differ from capital cities

👉 investor profiles that Marcus works with

👉🏻 areas that Marcus buys in and why

👉🏽 Tamworth deep dive - blue chip areas, price points

👉🏿 what type of property performs best in Regional NSW

👉🏼 risks of buying in regional towns

👉🏾 Marcus's 3-5 year outlook for regional NSW

👉 infrastructure growth

👉🏽 some case studies

👉🏼 where Marcus wouldn’t invest, underrated areas, due diligence tips, red flags

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 Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.

👉🏾 what APRA’s DTI cap actually is and who it affects

👉🏿 what's causing prices to continue going upward

👉🏻 tips for investors amidst the changes

👉 the winners and losers of NSW/VIC town-centre upzoning changes

👉🏼 2% shared-equity scheme explained + pros and cons

👉🏽 a warning about gap finance

👉🏾 use the shared equity scheme vs live or invest regionally

Check out where rezoning is happening in NSW here: https://www.planningportal.nsw.gov.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

Needing a buyer's agent. Check out John's team at https://www.envisageproperty.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.

At 23, Dan* bought his first property as an investment with a combination of hard work, strategy and support from his parents. In today's episode Dan joins Rachelle to share the steps he took to do that, touching on:

👉 the early money habits he established after reading The Barefoot Investor at 15

👉🏼 his saving and investing journey and how he saved that deposit

👉🏽 seeing a mortgage broker and deciding whether to buy to live in vs buy to invest

👉🏾 asking his parents for a parental guarantee to buy a better asset

👉🏿 the type of property, purchase price and location he bought

👉🏻 why he used a BA

👉 the challenges he faced

👉🏼 and his tip for anyone wanting to get into the market

*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 answer your questions!

👉 renovate home or buy an investment first?

👉🏼 what type of valuation should I get?

👉🏽 what to ask a buyers agent before you commit

👉🏾 is it a good idea to buy an investment property with cash?

👉🏿 best structure to buy a working farm

👉🏻 have I missed the boat to buy my first IP?

👉 what’s happening in Melbourne property market sub 1M

👉🏼 how much do you need to buy an IP?

👉🏽 how has the FHB scheme affected markets?

👉🏾 how to buy second IP without cash

👉🏿 paying off loans, selling and exit strategies

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 unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting.

👉🏻 Macquarie bank pulls out of trust and company lending

👉 Ubank offers 90% loans with no LMI

👉🏼 discussing feedback on the boom bust property cycle episode

👉🏽 Glen, Rach and John debate the rentvesting strategy

The boom bust property cycle episode: https://open.spotify.com/episode/61ldDLT57VZCRSKaJ55J8i?si=5a4d2331b87b4ac5

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 John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about:

👉🏾 what Microburbs actually does & who it's for

👉🏻 the most influential data point for choosing a location

👉🏼 the post-covid shift to regions & satellite cities

👉🏽 what to check first when researching a suburb

👉 what gentrification really means for growth

👉🏿 public housing thresholds and it's impact on capital growth

👉🏾 top 3 mistakes investors make when choosing location

👉🏼 supply & demand as the core drivers of growth

👉🏻 how the Microburbs platform is improving

👉 where Luke would invest right now

Check out Microburbs here: 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.