this is property

Interest rates are dropping, but what does that actually mean for your repayments, your mental game, and your next property move? John and Rachelle unpack the physical and psychological impacts of a falling rate environment, what buyers need to know right now, and the smart (and risky) choices many Aussies are facing. They touch on:

👉🏽 how much repayments could drop with more cuts

👉🏿 the mental shift of feeling “richer” and its risks

👉 when it does make sense to sell an investment property

👉🏼 why some investors are holding tight (and why some aren’t)

👉🏽 how much your borrowing power may increase per rate cut

👉🏾 a warning about fixing your loan right now

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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It’s EOFY, so we’re bringing you a value-packed episode to help investors prep for tax time and plan ahead. Rach is joined by Leah Hall from Lift Accounting to run through her top tax tips, common mistakes to avoid, and the smartest ways to reduce holding costs, boost deductions, and time your sales for maximum benefit. They touch on:

👉 top tax tips for property investors

👉🏽 how to reduce the real cost of holding property

👉🏼 the benefit of a depreciation schedule

👉🏾 PAYG variations, prepaying interest & timing sales

👉🏿 what to know before refinancing, redrawing or selling

👉🏻 structure chat: trust vs personal name vs SMSF

Download the free resources for this episode at https://liftaccounting.au/podcast-pack

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.

Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode was recorded before May rate reductions. They cover:

👉🏾 switching from principal & interest to interest-only repayments

👉🏿 using PAYG withholding adjustments to improve cash flow

👉🏻 using separate offset accounts to track property performance

👉 using equity or cash to build in a holding cost buffer

👉🏼 reviewing your portfolio to identify poor performers

👉🏽 understanding the trade-offs between growth and affordability

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 go back to basics in this episode, answering common questions about buying your first investment property. From whether to buy a house or a unit, to what kind of loan structure and team you need, they break it all down. Plus, two real-life listener stories that show how different paths into the market can still lead to solid outcomes. This episode covers:

👉🏻 how to choose the right type of property

👉 house vs unit: what’s better for investing?

👉🏽 how much deposit do you really need?

👉🏾 interest-only vs principal & interest loans

👉🏿 where to invest: close to home or interstate?

👉🏻 capital growth vs. rental yield

👉 new vs. established properties

👉🏼 upfront and ongoing costs to factor in

👉🏾 when to consider a trust structure

👉🏽 who should be in your property team

This is a sponsored episode. Find out more at terrischeer.com.au and remember before buying this insurance issued by Terry Scheer, read the PDS and TMD and consider whether it's right for you.

Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.com

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

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 election's over and Labor's locked in for another term, so what does that mean for home buyers and investors? John and Rach break down the key policies on the table and how they could impact the market over the next few years. They cover:

👉🏾 universal 5% deposit changes (no income cap!)

👉🏿 why January 2026 could trigger a demand surge

👉🏻 shared equity scheme pros and cons

👉 new builds vs established areas: what to consider

👉🏼 build-to-rent incentives and rental market shifts

👉🏽 foreign investor restrictions now in effect

👉🏾 how interest rate drops could change your borrowing power

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

Check out John's investment buyer's agency here: https://www.envisageproperty.com.au/

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 Rach break down the three main options for upsizing your home. They also cover the emotional and financial realities of upsizing, why bridging loans get a bad rap, and how to test if you’re really ready for a bigger mortgage. Using real client stories, they unpack:

👉🏾 selling before you buy

👉🏻 buying before you sell (with or without a bridging loan)

👉🏼 negotiating a simultaneous settlement

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

John's Buyers Agent service: https://www.envisageproperty.com.au/buyersagent

John's Vendor's Advocate service: https://www.envisageproperty.com.au/vendors-advocate-service

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, John officially welcomes mortgage broker Rachelle Kroon as a permanent host on this is property! She's the founder of Sphere Home Loans and has been a familiar voice on the show over the years, so if you guessed it might be her, nice work! She knows her stuff and fits right in. To kick things off, John and Rach dive into a Q&A covering:

👉🏻 sibling or friend guarantees - are they even possible?

👉🏼 location or property type - which is better?

👉🏽 what makes a ‘good’ street when buying property?

👉🏾 are there any legal issues around parental guarantees?

👉🏿 I'm 52, should I use equity to invest in property or my super?

👉 choosing the right tradies for the job

👉🏼 how do I know if I should buy a forever home or stepping stone?

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

Need a mortgage broker? Check out Sphere Home Loans: 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 from Sphere Home Loans returns to share a real client case study about Nicole, a young woman who started her property journey solo and made some smart early moves. With the help of a parental guarantee, Nicole built a two property portfolio before meeting her partner. But when it came time to buy their dream home together, things got complicated.

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.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 Kroon from Sphere Home Loans joins John on the pod to share her personal property journey. From getting into the market at a young age to building a diverse portfolio with duplexes, rentvesting, parental guarantees and commercial property in super, Rach shares the strategies, mindset shifts and money lessons she learned along the way.

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

Emily shares the five biggest lessons she’s learned about property, the industry, and herself + a BIG announcement.

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.