The Property Couch - podcast cover

The Property Couch

Bryce Holdaway & Ben Kingsleythepropertycouch.com.au

Each week, Bryce Holdaway and Ben Kingsley bring their conversational style to The Property Couch, where they educate their community on the fundamentals of property, finance, and money management. They delve into the latest industry data, trends, and best practices, making complex concepts understandable and engaging.

Since its launch in February 2015, The Property Couch has become Australia’s premier property investing podcast. Bryce and Ben draw on over 25 years of personal investing experience and extensive work with thousands of clients through Empower Wealth, their multi-award-winning national property and wealth advisory firm.

With a consistent ranking in the Top 5 of the Investing Category charts and an impressive 4.8-star rating from more than 2,300 reviews on Apple Podcasts, The Property Couch is essential for anyone serious about building a passive income through property investing.

As best-selling authors of two books, Bryce and Ben don’t hold back in sharing their deep knowledge, personal experiences, and lessons learned including both their successes and their mistakes. Known for their fun banter, they make learning about these topics enjoyable and insightful.

But the podcast isn’t just about Bryce and Ben. They love learning from others too, and regularly bring in top minds from Australia and around the world to discuss topics like property, economics, lending, money management, investing mindsets, high performance, and habit and behaviour building.

Their true mission? To help you achieve financial peace and live your ‘Lifestyle By Design.’ They’re so dedicated to your success that they’ve even developed Moorr, a free money management app designed to help you set and achieve your goals, manage your finances, oversee property investments, and track wealth creation over time.

As Ben often says when wrapping up each episode, “Knowledge is empowering, but ONLY if you act on it.”

YT: https://www.youtube.com/@thepropertycouchaustralia

IG: https://www.instagram.com/thepropertycouch/

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Episodes

538 | Property Spruikers 2.0: The Latest Tactics Designed to Trap You

"History doesn’t repeat itself—people repeat history.” Folks, today’s episode is on an issue that’s very close to our hearts and remains just as crucial today as when we started the podcast ten years ago... The alarming rise of the new-age Property Spruikers. We’re talking about the same tricks but in a new disguise designed to serve one purpose: their own interests at the expense of aspiring Australians. 😮 Today we’re exposing the updated playbook of today’s spruikers, highlighting their decep...

Mar 20, 20251 hr 27 min

TPC Gold | Why Women Must Prioritise Financial Independence (Before It’s Too Late!)

For far too long, women have faced systemic financial challenges—from the gender pay gap to lower superannuation balances—and the long-term impact can be significant. In this TPC Gold soundbite, Ben is joined by Nicola McDougall—successful property investor and passionate advocate for women's financial security—to discuss why financial independence is crucial for women at every stage of life. For the original episode, tune in here: Episode 378 | The Voice Behind “The Female Investor”! - Chat wit...

Mar 18, 20256 min

537 | Is Your Super Enough to Retire On? The Top 5 Finance Questions – Answered!

Ever Googled a finance or money management question and felt more confused than before? We know the feeling! That’s why, in Ep 537, we're continuing our series on the internet's most searched questions, this time homing in on your top finance and money management questions. Here's a sneak peek of what we cover: 💡 How much Superannuation do you actually need to retire? 💡 Is a high-interest savings account worth it? 💡 Does your credit score matter in Australia? 💡 What is debt recycling? (Will ...

Mar 13, 20251 hr 22 min

TPC Gold | Is Property Investing Worth It? What to Do When Progress Feels Slow

Property investing is a long-term game, but what happens when it feels like nothing is happening? When life gets in the way, distractions pile up, and the market isn’t moving as fast as you’d hoped—it’s easy to start questioning if property investing is worth it. In this TPC Gold soundbite, we tackle one of the biggest challenges investors face: staying patient, focused, and motivated when progress feels slow. For the original episode, tune in here: Episode 176 | How to Prioritise Your Property ...

Mar 11, 20259 min

536 | CGT Mistakes, Busting Mortgages & More: The Top 5 Property Questions on the Internet!

Folks, in today’s supercharged Q&A session, we’re answering the top 5 property & finance questions on the internet! From the essentials you need to know about capital gains tax to understanding how banks assess your borrowing power, we’re covering the most searched (and often misunderstood!) topics in property, finance, and money management. Here’s what we cover... ✅ The hidden pros & cons of apartments vs houses ✅ The real battle between property & shares ✅ Mortgage hacks that a...

Mar 06, 20251 hr 9 min

TPC Gold | How We Teach Our Kids About Money—Saving, Spending & More!

Teaching kids about money can feel overwhelming, but the key is starting early, keeping it simple, and making it part of everyday life. In this week's bonus snippet, Bryce & Ben share how they teach their own kids about money—from saving and spending to understanding opportunity cost and financial priorities. For the original episode, tune in here: Episode 201 | Money Lessons for Kids LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW...

Mar 04, 202510 min

535 | 2025 Property Market Outlook

What’s REALLY ahead for Australia’s property market in 2025? 🤔 With the RBA’s first rate cut in 13 months, shifting economic conditions, and a record $1 trillion in government spending promised across all states and territories, the property market is facing a major shake-up. That’s why we’ve timed it perfectly to present to you... 🔮 🔮 🔮 Our 2025 Property Outlook!! 🔮🔮🔮 We're reviewing our 2024 predictions (what did we get right?), break down key macro trends, and reveal our state-by-state...

Feb 27, 20251 hr 49 min

TPC Gold | What We Love (and Don’t) About the Barefoot Investor’s Advice

The Barefoot Investor has helped thousands of Australians take control of their finances—but when it comes to property investing, it’s no surprise that we don’t quite see eye to eye. 🤔 In this bonus snippet, we break down where our MoneySMARTS system aligns with Scott Pape’s approach and where we strongly disagree—especially when it comes to property, offset accounts, and long-term wealth creation. So, is property really a “dud investment”? Or is there more to the story? For the original episod...

Feb 25, 20256 min

534 | Kyle Langford's Property Investing Journey: Positively Geared Properties, Police Raids & $190,000 of Damage?! - Chat with Kyle Langford

As lifelong AFL fans, we couldn’t be more excited to welcome a player who’s become a pillar of the Essendon Football Club… Please welcome Kyle Langford! 🔥🔥🔥 Kyle’s journey in footy started with the Northern Knights and Vic Metro in the TAC Cup and AFL Under 18 Championships. In 2014, he was drafted by Essendon as the 17th overall pick, making his AFL debut against St Kilda in Round 5, 2015. But this isn’t just an episode for sports fans. Kyle’s story is packed with invaluable lessons on resil...

Feb 20, 20251 hr 9 min

RBA Feb 2025 | Rate Cut CONFIRMED! Mortgage Holders Rejoice

The Reserve Bank of Australia (RBA) has officially reduced interest rates, delivering the first cut in years! With inflation easing and many Australians struggling under higher mortgage repayments, this decision was widely expected by economists and financial experts. Join Ben Kingsley and Evan Lucas as they provide insights on what this rate change means for homeowners, investors, and the economy. 💡 Thinking about refinancing or adjusting your loan strategy? Book a consultation with a mortgage...

Feb 18, 20251 hr 27 min

533 | Case Study: How to Retire on $3,000 a Week - Chat with David Robertson

As we gear up for the highly anticipated launch of our third book, “How to Retire on $3,000 a Week: The Property Couch’s Playbook for Passive Property Investing,” we’re diving deep into one of its most eye-opening case studies! But we’re not doing it alone… Joining us is David Robertson , Head of Property Wealth Planning at our own, Empower Wealth! With a unique, high-level view of property wealth plans across Australia, he’s here to break down the real numbers and strategies behind achieving fi...

Feb 13, 20251 hr 32 min

TPC Gold | Tom Panos: Why High Earners Stay Broke (And How to Fix It)

Some people earn six figures but still have nothing to show for it. Sound familiar? In this week’s bonus episode, we’re hearing from the always-insightful Tom Panos, one of Australia’s leading real estate coaches, auctioneers, and media personalities. Tom has worked with top-performing agents and seen firsthand why so many high earners remain financially stuck—despite their impressive pay checks. For the full episode, tune in here: Episode 120 | Secret To Making Money While You Sleep – Chat with...

Feb 11, 20255 min

532 | Hold or Sell? How to Decide if Your Property Is Worth Keeping

How can you create a financial buffer WITHOUT impacting your family budget? Are you stuck with a property that’s not performing? (Here’s the key reason why you should be asking, “Will the banks like it?”) And are property finfluencers manipulating the market? Folks, The Property Couch is BACK for 2025 and we’re kicking off the year with a ripper Q&A session answering your most pressing questions and giving you golden strategies that’ll allow you to act now. PLUS… we’re revealing major upcomi...

Feb 06, 20251 hr 13 min

TPC Gold | Living Off Equity: Smart Strategy or Risky Move?

Welcome to the first bonus episode of 2025! In today’s snippet, we’re answering a question from listener Lou, who’s wondering: Is living off equity a smart strategy for early retirement—or a risky move? Bryce & Ben break down the pros and cons of borrowing against equity, why passive income is key, and how having the right exit strategy can make all the difference. For the full Q&A episode, tune in here: Episode 147 | Q&A – What’s Your Exit Strategy? Are You Retiring or Have You Boug...

Feb 04, 202510 min

531 | Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage - Chat with Jonti

“I’ve definitely (got) no regrets and very excited for what the future holds...” - Jonti Folks, this inspirational quote is from our LAST Summer Series guest for 2024/25 who, by the age of 32, has survived and grown from experiences and horrors most of us can only imagine... With a new business, a flourishing property portfolio in Australia and a recent purchase of his dream $1.9M home, it seemed like Jonti had his life in order. That is until his life-altering accident. Tune in now to find out ...

Jan 30, 20251 hr 8 min

530 | From Flipping the Local "Drug Dealers" House to Five Properties! - Chat with Catherine

Catherine grew up in a household where money was scarce, and financial stress was the norm. As the daughter of a seasonal worker, she experienced the instability of transient living first-hand, moving between 13 schools growing up. 😮 This would deeply influence her later financial decisions... Determined to break the cycle of financial hardship, Catherine and her husband, Jeff, took action in their late 30s and 40s. Despite only having a $10,000 deposit and facing Jeff's pre-existing financial ...

Jan 23, 20251 hr 14 min

529 | Feeling Financially Secure for the First Time at 49: The Game-Changing Reset That Changed Everything - Chat with Jason

Today’s Summer Series guest is the true definition of a transformation story. 🌟 From growing up with immigrant grandparents who valued frugality and “mortgage-first” thinking to racking up debt and making costly property mistakes, Jason’s story is one of hard-won financial security. He told us, “At 49 years old, it’s the first time I’m feeling financially secure.” Folks, you have to listen to this inspirational story that sees Jason and his family hit the financial reset button, thanks to Money...

Jan 16, 20251 hr 12 min

528 | Meet the Outlier: He Built a $3.4M Portfolio at 32 While Funding His Love of Travel - Chat with Adam

Raised by parents who instilled a hardworking, “DIY” mindset, Adam, today’s Summer Series guest, kickstarted his property journey at just 22 years old. 😮 Skip forward just over a decade, and he now owns a $3.4M portfolio and is living his dream lifestyle by design , including taking spontaneous month-long fishing trips. His journey, however, hasn’t come without hard work and struggle. Tune in to hear how this inspiring rentvestor... ✅ Positioned himself to achieve “the holy grail” of financial ...

Jan 09, 20251 hr 14 min

527 | “That’s All I Believed I Deserved”: From 19 Rentals to Self-Funding her Forever Home - Chat with Carolyn

Yep. Today’s guest has lived in 19 different rentals since turning 18...😱😱😱 Within three years, however, she’s transformed her outlook from believing that old, run-down units were “all that she deserved” to self-funding her forever home on a single income!! Today on the couch is Carolyn, who takes us on a journey from pursuing a non-traditional career in the creative sector to building an alter ego that kickstarted her journey to achieving the greatest outcome of all – Financial Peace. Her st...

Jan 02, 20251 hr 10 min

526 | How She Stopped Money Controlling Her: 3 Properties & No Debt! - Chat with Sarah

Have you ever heard of a 13-year-old who chose to read finance self-help books on blue chip investments and negative gearing...over reading Harry Potter? 📖💰💼📈 This is the story of Sarah, a resilient and money-savvy investor who’s self-labelled herself “The Queen of Delayed Gratification.” And there’s a good reason for that! In our last episode for 2024, we get to unpack her eye-opening story from the unfortunate series of accidents that left her $20G in debt, and how she still managed to sav...

Dec 26, 20241 hr 17 min

525 | From Paper Rounds to a 4-Property Portfolio: Why You Need to Pick up the Phone - Chat with David

How do you feel about making a decision when you don’t know how the story ends? This thought-provoking question from Bryce captures the essence of our latest Summer Series episode, where today’s guest, David (or Dave), shares how he set himself apart by doing something simple yet powerful: 📞 Picking up the phone. As we wrap up for Christmas, we’re bringing you an inspiring story that highlights the life-changing power of action. From selling his car to fund a mortgage, trading properties across...

Dec 18, 20241 hr 3 min

524 | Saving More WITH a Mortgage: Proof That It’s Possible to Go From Living Paycheck to Paycheck to Investing in Property - Chat with Clinton

“We weren’t criminals by any means, but that’s just how it was.” - Clinton Growing up, today’s inspiring Summer Series guest, Clinton, faced such strong feelings of embarrassment and a reality with little to no money. His family couldn’t afford car registration — and the fear of fines led them to "duck their heads and pretend we were in an empty car." That lasting feeling of shame, a five-figure bank receipt, and a memorable Christmas present became the catalysts that set Clinton on his journey ...

Dec 12, 202458 min

RBA Dec 2024 | Trump 2.0: A New Chapter for Australia and Global Economies?

The FINAL RBA Cash Rate Announcement of 2024 is here! Join Ben Kingsley and Evan Lucas as they dive into the RBA’s latest decision and discuss economic trends from Australia and around the world. Here’s what they cover: 📺 The RBA’s Cash Rate Decision: Find out all about the Reserve Bank of Australia’s latest cash rate decision, as announced at 2.30pm (AEDT) today! 🏠 What's Happening Back Home?: The current state of the Australian economy, focusing on GDP growth, productivity challenges, govern...

Dec 10, 20241 hr 9 min

523 | From $405K to $830K in 6 Months: How Moorr Allowed This Family To Get onto the Property Ladder - Chat with Naomi

Welcome to our first 2024/25 Summer Series episode folks!! ☀️🏖️ 🏄‍♀️ 👡 🧢 We’re so excited to share all the sizzling, eye-opening and heart-warming stories we’ve got lined up and kicking things off is Naomi! She is the definition of what happens when you combine auction lessons learnt from eBay with the desire to put your family first 👨‍👩‍👧‍👦❤️ Her story truly proves that “It doesn’t matter where you start; it’s where you finish.” As you’ll hear, her life demonstrates what happens when yo...

Dec 05, 20241 hr 11 min

522 | REVEALED: The Only Money Management System You Need to Effortlessly Manage Your Finances

Folks, the most expensive time of the year is here – Black Friday, Christmas, New Year’s... it’s all adding up! 💸💸💸 But don’t worry – we've got your back in this week’s special episode. We’re thrilled to unveil the next generation of money management tools to help you stay in control and avoid those dreaded financial blowouts. Introducing MoneySMARTS 2.0 – the revolutionary rules-based system now integrated into Moorr, the all-in-one financial and property platform built by property investors...

Nov 28, 20241 hr 39 min

TPC Gold | A Step-by-Step Property Development Guide with Peter Koulizos

In today’s bonus episode, we’re joined by the “Property Professor” himself, Peter Koulizos, as he breaks down the 12 essential steps to property development success. From setting goals and crunching numbers to working with council, Peter shares invaluable insights drawn from his years of experience. Plus, Peter reflects on his very first development project—what went right, what went wrong, and the advice he’d give his younger self. For the full episode, tune in here: Episode 241 | 12 Steps to a...

Nov 26, 20246 min

521 | How NOT To Lose $1M: Win at Investing by Losing Less – Chat with John Addis

What does it really take to become a successful investor? Is it luck? Skill? Or something a little more surprising... like learning to love your mistakes? 😮 In this week’s episode, we sit down with John Addis , founder of Intelligent Investor and author of How Not to Lose $1 Million: Win at Investing by Losing Less . Today, we’ll share John’s inspirational journey, from buying his first flat at 21 to founding one of Australia's most respected financial magazines. Along the way, he’s made his fa...

Nov 21, 20241 hr 14 min

TPC Gold | Red Flags in Building Inspection Reports!

In today’s bonus episode, we’re diving into why building inspections are essential for every property buyer. Joined by building inspector and builder Paul Baker, we discuss how inspections help identify hidden issues that can impact both the safety and value of your property. Paul highlights some key red flags to watch for in the reports, from foundation issues to water damage and asbestos. And because the inspection industry isn’t heavily regulated, he offers his own tips and advice on choosing...

Nov 19, 20249 min

520 | Should You Take Property Advice from a Financial Planner?

Folks, Episode 520 is not just another massive Q&A Day on the couch, but today’s episode has us responding to the rawest feedback we’ve EVER received. 🤯 Tune in to hear: Why TPC listener Gabriel opposes property investors as “small business owners” 📈 Capital Gains Tax: Has the AFR proven us wrong? 🤔 Should you take property advice from a financial planner? 🏡 FREE STUFF MENTIONED Australia’s FIRST property AI is now LIVE! Ask your burning questions, and Opti, The Property Couch’s own AI, ...

Nov 14, 20241 hr 15 min

TPC Gold | 3 vs 4 Bedroom Homes: Which Do Renters Prefer?

In today’s bonus episode, we’re digging into a question from listener Joel, who’s wondering if adding a fourth bedroom will make his place more attractive to Aussie renters. Bryce and Ben break down what renters really want in a property – and spoiler alert, it’s all about finding the right balance! If you’re keen to know how to set your rental property up for success, this snippet is packed with insights to help you make the best choice! For the full Q&A episode, tune in here: Episode 178 |...

Nov 12, 20247 min
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