Send us a text We deep dive into the latest inflation data just released and unpack what it means for the property market. Specifically we: > Discuss the impact this will have on interest rates > Make the case for raising & holding rates > Unpack what made up this inflation data > Deep dive into current property markets & what it means for 23-24 Reach out to us at www.australianpropertytalk.com.au...
Oct 26, 2023•26 min
Send us a text Were on the cusp of another RBA rate meeting and the November one is A BIG one. In this episode, we discuss 5 factors that may drive rates even higher: 1.The new RBA Governor and a change of strategy - a lack of tolerance for inflation remaining out of band higher. 2.House price rises drive higher spending, and delay inflations return to band. 3.Fuel prices continue to rise on the back of political tensions worldwide. 4.Exchange rates drive imported inflation. 5.Economy & empl...
Oct 23, 2023•33 min
Send us a text What does Australia's long term future look like? We deep dive into the latest Intergeneration Report released last month for a sneek peak into our economic future. In this episode we go through 4 key insights in this report: Ø Lower productivity & participation Ø Population growth opportunities Ø Higher taxes & how property investors impacted Ø Opportunities for the Aussie economy through the global green tech changes. For property investors & homeowners – the report ...
Sep 20, 2023•33 min
Send us a text Rate rises are over, the question today is now HOW LONG WILL THESE RATES LAST. At 4.1% financial conditions are really tight. For property markets, were going through the tight financial conditions now. In this episode, we’ll go through: > 3 reasons why the RBA are now in PAUSE mode > Go through the latest economic scorecard for Australia > Run through how the economic levers are changing now – with the dollar falling Reach out to us at www.australianpropertytalk.com.au...
Sep 08, 2023•28 min•Season 1Ep. 22
Send us a text The Reserve Bank of Australia have taken a 'breath' & kept rates on HOLD for a second consecutive month. We go through 5 reasons why: 1. Key economic indicators are tracking BETTER than the last available forecasts by the RBA. 2. The quarterly trimmed mean inflation rate has halved inside a year, from 1.8% to 0.90% prints. 3. Growth is teetering already. 4. A retail recession is already here 5. Fixed rates expiries on mass occurring now Join the fun on YOUTUBE - with our lates...
Aug 01, 2023•31 min
Send us a text Part 2 of our most popular episode to date - Redom continues his lessons from property investing, and adds in a few more BONUS tips along the way. The lessons include: 1. Watch out for spruikers, and a few tips on how to spot them. 2. Dream BIG. Think like Meriton. Think UNLIMITED. Your decisions will change as a result. 3. Learn how a feasability works. Its crucial to valuing the potential of an asset. 4. Study planning. Success is simply doing common things uncommonly well. Ther...
Jul 27, 2023•34 min
Send us a text In this special episode, we go into all the lessons and learnings from my property investing journey. I candidly share my mistakes, my experiences and how i view property investing. Some lessons include: > Simplify property investing into get money, place money & manage money > Focus on wealth creation, not yield > Buy what property can be, not what it is. > Focus on alpha investing to turbo-charge your growth > Why market returns are important > Its a number...
Jul 24, 2023•40 min
Send us a text Australia is in the middle of its biggest EVER rental crisis. Inflation on rents is in DOUBLE digits. In Sydney, its nearly 15%. The fastest on record. Its causing massive disruption to peoples lives. Its impacting the most financially vulnerable Aussies the most too. Today, Curtis and I are going to put our policy hats on and talk through this problem. > We are going to go through the secret lending reason as to why this has come about? > What the proposed solutions are and...
Jul 19, 2023•50 min
Send us a text Rates on HOLD. The RBA have acknowledged GROWTH for the first time in this rate rising cycle - effectively voicing their fear that the Australian Economy may go into a recession this FY. In this pod, we go through: > Why they paused rates > What it means for housing > Whether there'll be a recession in the year ahead Curtis shares his 3 big forecasts for the year: A recession in Australia, no more rate rises & a housing market that performs well in spite of a slowing ...
Jul 04, 2023•26 min•Season 1Ep. 23
Send us a text The housing market is in a state of paradox. Interest rates keep going up. But house prices keep rising. We ask WHY? Will it last? What is going on driving this strong rebound. Where specifically do the risks lie? The key points we unpack: · Rents are insane – near 60% UP in asking rents in 3 years · Employment is very strong · Listing levels are very low The headwinds that may slow the market down: · 880k fixed rate expiries are occurring · 20-30% of households are experiencing n...
Jun 26, 2023•36 min•Season 1Ep. 22
Send us a text The RBA Have Increased Interest Rates Again to 4.10%. It’s a hammer financial and psychological blow for households across the country. That’s 1% increase to rates in 2023 already, after 3% increases in 2022. For a million-dollar mortgage, repayments up to nearly 6k p/m from 3.7k a year ago. Up 62%! In this episode, we discuss: > Why they made this move > Is this the RBA's insurance policy at work? > Are the mixed messages by the RBA intentional? We then delve into the ho...
Jun 06, 2023•47 min
Send us a text We go through a big new improvement in the mortgage market and how it helps Aussies all across the country. Mortgage Prisoners stuck on their existing loan terms now have options! A major bank has announced a 1% buffer rate policy instead of the current 3% buffer. After 11 rate rises, the eligibility tests for refinancing got much harder in 2023. Borrowers with perfect repayment histories had to prove they could absorb another 3 percentage point increase in interest rates. That is...
May 23, 2023•19 min
Send us a text In this episode, Curtis & I wind back the years and put back our 'Treasury' hats on, and unpack this year's federal budget. We also deep dive into the latest Statement of Monetary Policy by the Reserve Bank and what it means for interest rates in the months ahead. On the budget, we run through: > Will the additional spending put more inflation pressure on the economy? > Will it mean more rate rises? > Is it large enough to matter? > Will the RBA be paying attention...
May 09, 2023•42 min
Send us a text In a shock to markets, the RBA have delivered another interest rate increase. Markets, economists and just about everybody had this wrong, pricing in a 0% chance of a rate rise. Instead, the RBA came in with a surprise and decided to increase interest rates for the 11th time in a year. In a blow to Aussie borrowers, the RBA have re-affirmed their inflation fight by taking the cash rate to 3.85%. That is a whopping 57% repayment increase for someone who obtained a $1million loan ju...
May 02, 2023•38 min•Season 1Ep. 19
Send us a text Yesterday, on the 26th of April, inflation data covering the Jan-March 2023 period was released. It confirms that Inflation officially peaked in Australia in late 2022, and has been on its way down since. Thankfully for Aussie borrowers seeking some relief from interest rate pain, it came in lower than expected. In this episode, we unpack why: 1. Media reporting of 7% is misleading 2. Why inflation is such an important data release 3. The inflation data release itself; I find its ...
Apr 26, 2023•42 min•Season 1Ep. 18
Send us a text The RBA has decided to leave the cash rate UNCHANGED. This is the first time interest rates have NOT increased since May last year. Simply, the RBA wants to wait and collect more information on the state of the economy before assessing next steps for interest rates. They have also softened their language on further interest rate rises, noting that they expect 'SOME' further tightening 'MAY' well be needed, instead of explicitly stating that further rate rises are expected. While f...
Apr 04, 2023•39 min•Season 1Ep. 17
Send us a text Are Aussie Banks Safe? Lending predicts Housing. In this episode, we deep dive into lending outcomes by Aussie Banks and unpack the riskiest areas of lending in Australia. We unpack how the latest lending data released shows that Aussie borrowers are struggling to get finance, and what may be done about it in the months ahead. We touch on the need to refinance and how we've saved over $67,000 this month alone by regularly reviewing interest rates. At the end of the episode, we exp...
Mar 17, 2023•49 min•Season 1Ep. 16
Send us a text We unpack the Aussie Housing Market Story since Covid hit our shores. Its been 3 years and housing markets have see-sawed up and down across the country. We go through: 1. Whats happened to house prices across the country since & WHY? 2. Go STATE by STATE and look around the grounds. 3. Explore how regional markets across the country have done better than capital cities. 4. Look at how the spread between house prices & apartment prices rose during covid. 5. Unpack rental m...
Mar 15, 2023•34 min•Season 1Ep. 15
Send us a text The RBA have increased interest rates for the 10th consecutive meeting. This takes the total increase to interest rates to 3.50%, a $2,000 increase in monthly repayments on a $1million mortgage. Despite weaker economic data coming out in the month of February, interest rates continue to rise. The RBA have signalled that they expect 'further monetary tightening' in the months ahead too. In this episode: 1. We unpack their decision, 2. The data sets that came out this month pointing...
Mar 07, 2023•27 min•Season 1Ep. 13
Send us a text Surprise surprise... House prices in Sydney may record their first positive monthly movement in nearly a year this February. This comes of the back of a pretty sharp fall last month. What is driving the turnaround? Will it last through the year? Are we at the bottom of this cycle? We deep dive into the state of the current housing market and unpack what's likely coming next. Reach out to us at www.australianpropertytalk.com.au...
Feb 24, 2023•30 min•Season 1Ep. 12
Send us a text The RBA have come out of the blocks STRONG after their rate decision last week. Interest rates continue their march upwards. In this episode we cover why the RBA are being clear & direct about rate rises and their forecasts for the Aussie economy. We discuss a few economic insights including: > Inflation becoming broad based in Australia > Inflation as a supply side problem and spreading to a demand side one > Rents & Energy prices impacting inflation figures >...
Feb 15, 2023•38 min•Season 1Ep. 11
Send us a text The Reserve Bank of Australia has just lifted interest rates by another 0.25%, in a call widely expected by most economists. The cumulative impact of 9 consecutive interest rate rises is an increase in repayments of ~$1,950 for a $1 million mortgage. That is 50% rise in mortgage repayments in under 12 months! In this pod, we unpack WHY the RBA made their rate decision, and what is likely to happen next. What drove this interest rate increase decision? > Inflation is well above ...
Feb 07, 2023•31 min•Season 1Ep. 10
Send us a text In this episode, we go through 11 Property Market Predictions we expect in 2023. By the end of this, you'll know: Why we are currently in the tightest financial conditions in nearly a decade in Australia. How regulators may change interest rates and lending assessments later in the year. Why inflation has PEAKED as at January 2023. Which investor pockets of Australia are more susceptible to volatile price changes. Why First Home Buyers will be back in the market in NSW. Combining ...
Feb 02, 2023•49 min•Season 1Ep. 9
Send us a text Property market conditions are a function of the financial conditions that are in place for borrowers across Australia. When banks give you more money and make it cheaper, property booms. When they take it away or make it more expensive, property performs poorly. In this episode, were going to drill down into the detail of current financial conditions and benchmark lending conditions on four key metrics: 1. Interest rates – how much debt costs 2. Borrowing capacity – how much debt...
Jan 15, 2023•45 min•Season 1Ep. 7
Send us a text Where interest rates go this year will likely be the number 1 driver for property prices in Australia in 2023. It is the number 1 question we're getting asked at the moment. In the first episode of 2023, we run through the four possible scenarios for interest rates for 2023. At the end of the episode, we discuss what impact each of these scenarios will have on property prices. The four scenarios are: 1. The RBA pause at 3.10% and stop raising rates 2. They have two-three more rate...
Jan 03, 2023•46 min•Season 1Ep. 6
Send us a text A debate between two ex-treasury economists on where inflation will be in the long term. On one hand, Redom debates inflation will be low again once this period subsides. On the flipside, Curtis debates that inflation will be structurally higher in the long term. INFLATION has taken hold in Australia and much of the developed world. Finally, after being a sleeping dragon for decades, inflation woken up breathed fire to the global economy causing massive disruption to property pric...
Dec 13, 2022•30 min•Season 1Ep. 5
Send us a text The property industry is poorly regulated. Education is KEY to making better decisions. 8 years ago when i started, i wish i knew these things. I made a $440,000 mistake by being poorly educated. In this episode, we cover 5-6 property ideas to watch out for. 1. Buying Below Market Value - its not possible, don't fall for it. 2. 'House & Land' & 'Off-The-Plan' Property Investing - hear about my mistakes and Curtis's success. How to make H&L and OTP investing work for yo...
Dec 07, 2022•37 min•Season 1Ep. 4
Send us a text I’m starting this podcast because the quality of property education SUCKS at the moment. We live in the attention economy. What that means now is that we’re being taught more and more by teachers who have no idea what they’re talking about. We have kids who’ve done very little, understand even less and talk NON stop. For us, with my own story, a lack of quality education was a BIG reason why my family lost their home when I was 15. Point is, the current education is dangerous. You...
Nov 25, 2022•3 min•Season 1Ep. 1
Send us a text When i was 15, both my parents lost their jobs and our family home was taken from us. The pain of that experience changed my life. I believe our listeners should know a little bit about us - if we're here to educate you about property, it's fair of you to ask what we've done. In this show, i outline my story, whats motivated me and what i've done to rebuild my life. Reach out to us at www.australianpropertytalk.com.au...
Nov 25, 2022•13 min•Season 1Ep. 2
Send us a text In the very first episode of Australian Property Chat we summarise the housing market in 2022. The MOST interesting year in housing for decades. It's been a story of extremes. Rising inflation, rising interest rates, rising rents and rising replacement costs. All off the charts, all at the same time. We deep dive into each component in this episode. Reach out to us at www.australianpropertytalk.com.au...
Nov 24, 2022•33 min•Season 1Ep. 3
