this is property

In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about:

👉 buying her first place at 22 on the Gold Coast

👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash)

👉🏾 managing risk, buffers and surprise expenses

👉🏿 splitting costs and mortgages in a relationship

👉🏽 and her advice for first-time buyers in today’s market

Meg was initially going to buy a 1 bed in Sydney for $570k but instead bought a 2 bed 2.5 bath on the Gold Coast for $600k. The unit in Sydney is now valued at $600k.

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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In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about:

👉🏻 their individual risk appetites

👉 why they've chosen to keep things separate

👉🏼 getting a BFA (binding financial agreement)

👉🏿 the properties they have between them

👉🏽 how they navigate shared expenses

👉🏾 planning for retirement

👉🏻 and their tips for listeners

*Names changed for privacy

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 this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions:

👉🏾 using redraw from your investment loan to buy ETFs

👉🏿 how to document and reset the 6-year CGT rule

👉🏻 claiming travel, tools & repairs for interstate properties

👉 repairs vs improvements - what’s instantly deductible

👉🏼 can you transfer loan splits to a new property after you sell?

👉🏽 depreciation schedules, back-dating returns & renos

👉🏾 CGT rules if you rent where you live & own an investment or move into your investment

👉🏿 renovation deductibility before vs after "available to rent"

👉🏻 redoing your depreciation report after a reno vs giving your accountant receipts

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.

Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle. They discuss:

👉🏾 Darren's background

👉🏿 what the 18.6 real estate cycle is

👉🏻 the four phases of the cycle

👉 where are we in the cycle right now?

👉🏼 should we expect a downturn from 2027?

👉🏾 signs that the market is changing

👉🏿 how can this be used to inform our investing strategy?

👉🏻 tip for a investor preparing for a change in the cycle

👉 recommended reads to learn more

Learn more about Property Share Market Economics here: https://propertysharemarketeconomics.com/

📘 Books mentioned 👇

One Hundred Years of Land Values in Chicago by Homer Hoyt: https://amzn.to/3CjnlD1

The Secret Life of Real Estate and Banking by Phillip Anderson: https://amzn.to/3ICnqLl

Boom Bust: House Prices, Banking and the Depression of 2010 by Fred Harrison: https://amzn.to/4o3ADvK

The Secret Wealth Advantage: How You Can Profit from the Economy's Hidden Cycle by Akhil Patel: https://amzn.to/46OiE5c

Listen to our episode with Cathy Stacey from 2021 here: Listen on Apple Podcast | Listen on Spotify

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.

Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss:

👉🏻 a day in the life of a buyer's agent

👉 why invest in regional VIC?

👉🏼 Geelong snapshot

👉🏽 VIC land tax

👉🏾 Shepparton snapshot & $420k buyer case study

👉🏿 Bendigo snapshot

👉🏻 Bendigo $530k buyer case study

👉 market shifts in the last 12 months

👉🏼 Envisage Property's two-step process: strategy & sourcing

👉🏽 buying in hot markets & avoiding overpaying

Envisage Property: https://www.envisageproperty.com.au/

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.

Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on:

👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move

👉 cost of living & attitudes towards home ownership

👉🏼 rent to buy schemes & private lending

👉🏽 property taxes & state taxes

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.

Rach and John dig into some listener questions about:

👉🏾 funding renovations - cash, equity or future-value valuations

👉🏻 what if investors with 2+ properties had to sell

👉 converting non-tax deductible debt into tax deductible & loan splits

👉🏼 using equity to buy another investment property

👉🏽 debt recycling & selling a property that has split loans attached

👉🏻 how accurate is Commbank's Home Hub property valuation?

👉🏾 use interest-only IP loans to smash PPOR mortgage faster?

Watch this episode on YouTube: 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 and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors.

👉🏾 school catchment premiums vs long-term capital growth growth

👉🏿 which school catchment had a $1.3M price difference

👉🏻 inside vs outside catchment growth comparisons over 15 years

👉 the link between school reputation and suburb growth

👉🏼 how much should school zones play into an investor's strategy?

👉🏽 school zone premiums vs private school fees

👉🏾 2025 market commentary and consumer sentiment

👉🏻 quickfire investor Q&A with Eliza

Read the Cotality report here: https://www.cotality.com/au/insights/articles/families-pay-six-figure-premiums-to-secure-homes-in-top-public-school-catchment-zones

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.

The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on:

👉🏾 First Home Guarantee changes brought forward – what that means

👉🏼 FOMO and rushing into the wrong property

👉🏽 lessons from clients who lost money in hot markets

👉 buyer’s agents: when they help and when they don’t

👉🏿 how to pick assets that stand the test of time

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.

Selling property isn’t always straightforward and that’s where a seller’s agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a seller’s agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in the Room podcast, and founder of Good Deeds Property Buyers, with over 25 years’ experience in real estate and has in recent years expanded her business to include vendor's advocacy. They unpack:

👉🏾 what a seller’s agent actually does

👉🏿 when you should engage one

👉🏻 common red flags when choosing an agent

👉 how they’re paid and where the value lies

👉🏼 real client stories and lessons learned

Learn more about Veronica at https://veronicamorgan.com.au/

Check out The Elephant in the Room podcast: https://www.theelephantintheroom.com.au/

Envisage Property now has a Vendor's Advocate service: https://www.envisageproperty.com.au/vendors-advocate-service

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.