The Property Couch - podcast cover

The Property Couch

Bryce Holdaway & Ben Kingsleythepropertycouch.com.au

Australia’s top property podcast for everyday investors who want real results, not hype.


Originally shaped by long-time hosts Ben Kingsley and Bryce Holdaway, The Property Couch has evolved into a new chapter led by Ben alongside the expanded Couch Crew. The foundations remain the same: practical frameworks, clear thinking, and real stories that help Australians make smarter decisions.


Backed by data, banter, and proudly anti-spruiker since 2015!


W: https://thepropertycouch.com.au/

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Episodes

581 | From Hit-and-Run Survivor to Financial Freedom: Resilience, Real Estate, and Rewriting the Rules – Chat with Christian

At just 14, Christian's life took an unexpected turn; one that would shape how he thought about money, resilience, and freedom. From growing up in Sydney’s west to building a life on Victoria’s coast, Christian’s journey is anything but ordinary. Along the way, he’s worn more hats than most: surfer, real estate agent, business owner, and now... something entirely new. In this Summer Series conversation, Christian opens up about: 💡 The life event that completely rewired his mindset 🏡 The surpri...

Jan 15, 20261 hr 13 min

580 | The Spreadsheet, Setback & Perth Property That Lost $160k: Stephen & Santina’s Comeback

💥 “Future Steve’s problem.” 💥 That’s how he described his growing debts, a costly Europe trip, and an apartment disaster that lost him $160K. But here’s the thing: the future arrived . In this Summer Series story, you’ll meet Stephen & Santina , a couple who turned financial chaos into clarity, rebuilt trust, and found a shared vision that transformed their family’s future. From spreadsheets and cashflow shocks to a plan that included Europe 2027 🇪🇺, the 2032 Olympics 🏅 and two investme...

Jan 08, 20261 hr 9 min

579 | From 16 Cents to 5.3M: Sacrifice, Solo Parenting & Surviving on $20 a Week – Chat with Daksha

What would you do if you moved countries… with no job, and a five-month-old baby? Because that’s where today’s Summer Series guest, Daksha, began again. And today? Well, that part will blow you away. In this powerful episode, Daksha shares how she built a $5M+ property portfolio as a single mum, guided only by grit, education, and an unshakeable North Star: “Give my daughter the life she deserves.” P.S. In this episode, we announce huge news for TPC. After more than a decade of teaching, storyte...

Jan 01, 20261 hr 16 min

TPC Gold | How to Reset Your Money Habits for the Surplus Challenge

As we head into a new year, many people want to get ahead financially — but struggle to work out why their money never seems to stick. In this TPC Gold, Ben unpacks the difference between intentional wealth and unconscious spending, highlighting how lifestyle creep, forgotten subscriptions and interest costs quietly erode surplus over time. This short episode sets the foundation for building financial clarity and making better trade-off decisions with your money. If you want to take this further...

Dec 30, 202510 min

578 | How They Built a $125K Rental Income Stream Before Hitting Their Mid-30s – Chat with Ben

What does it look like when someone backs themselves, takes calculated risks and refuses to sit on the sidelines? That’s the story of Ben, a chiropractor, business owner, husband, dad and long-time TPC listener who built his financial future with purpose, action and his motto: “No risk, no magic.” From growing up in a middle-class Egyptian-Australian family with first-class values, to chasing status in a BMW, to burning out and rediscovering his purpose… Ben’s journey proves that wealth isn’t ab...

Dec 25, 20251 hr 5 min

577 | “You’re Not Broken”: Finding Financial Freedom Through Life’s Tensions – Chat with Kat

What happens when life’s expectations collide with financial reality? In this heartfelt Summer Series episode, Katrina “Kat” S, long-time listener, mum of two, and Bali trip volunteer from Bryce’s 50th, opens up about her real money story: Growing up in a small country town, learning to save, splurging at uni, facing postnatal depression, and rebuilding her confidence through property. Kat gets raw about pressure, parenting, and perfection … and how she found peace in progress, not performance. ...

Dec 18, 20251 hr 9 min

576 | No Hearing, No Income & A New Baby: From Medically Discharged to Retiring at 34 - Chat with Matt

When life knocks you down, how do you rebuild from nothing? 💭 Meet Matt: a proud Aussie veteran whose life took a sharp turn when he lost his hearing in the Army and was suddenly left without income, identity, or direction. With a newborn to care for and his savings running out, he and his wife, Ashley, hit rock bottom… before choosing to climb their way back up. From living off charity food boxes to buying two investment properties, Matt’s story is one of courage, persistence, and education in...

Dec 11, 20251 hr 12 min

(LIVE) RBA Dec 2025 | Families Feeling the Pinch as Optimism Fades?

The Reserve Bank of Australia has just delivered its final cash rate call for 2025, and we’re breaking down what it means for inflation, households, and momentum heading into 2026. 💡 Thinking about refinancing or adjusting your loan strategy? Let our team help you review your options . LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moorr.com.au/ FREE MASTERCLASS: - H...

Dec 09, 20251 hr 16 min

575 | Ray White Refused to Sell My Property, A $30K Loss & Getting Sucked in With the Sparkles - Chat with Alannah

Folks, Summer Series is officially here! And we’re kicking it off with a masterclass in avoiding costly mistakes. At just 19, Alannah jumped into the property market, full of excitement, determination, and trust in the advice around her. But when her “dream” off-the-plan apartment in Werribee South became a financial anchor instead of an investment, she learned the hard way that not all property advice is created equal. In this episode, Alannah opens up about: 🏡 The $360K property lesson that c...

Dec 04, 20251 hr 13 min

574 | The #1 Reason You Won’t Retire Comfortably Has Nothing to Do with Your Income

As the LAST regular episode of the year before we launch into our inspiring, lesson-packed Summer Series... We’re diving into the single most important habit that determines whether you get ahead financially or spend every year wondering, “Where did my money go?” As we approach the most dangerous spending season of the year, we’re unpacking: 🔹 WHY money management matters more than people think 🔹 The 7 biggest money mistakes Aussies make 🔹 What best practice ACTUALLY looks like 🔹 PLUS: A mas...

Nov 27, 20251 hr 10 min

TPC Gold | What to Do When the Property Market Feels Uncertain

Feeling wobbly about property investing? You’re not alone. In this bonus episode, Bryce & Ben talk about the importance of having a North Star (your ultimate lifestyle vision) to stay grounded when times get tough. For the original episode, tune in here: Episode 513 | What’s The Forgotten Pillar of Wealth Creation? LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.mo...

Nov 25, 20255 min

573 | The $75M Rise: How This 29-Year-Old Is Turning the “Ugly Kid” of Real Estate into the Cool Kid - Chat with Jonny Bell

How does a 23-year-old with no office beat a multinational real estate giant? In this episode, we sit down with Jonny Bell, Founder of Housemark, who now manages 3,000+ properties and is redefining what exceptional property management looks like in Australia. Jonny takes us inside his remarkable rise from running his business out of a Windsor apartment with nothing but a lockbox and a jet ski… To build the fastest-growing PM company in the country and set a new national benchmark for proactive s...

Nov 20, 20251 hr 5 min

TPC Gold | Should You Buy Property in a Trust or Your Own Name?

It’s a question we’re asked all the time... and one that rarely has a simple, one-size-fits-all answer. In this bonus episode, Bryce and Ben break down the pros and cons of buying property through a trust versus in your personal name , their personal approach on this topic, and why it’s so important to understand the implications before you make your next move. For the original episode, tune in here: Episode 392 | Should You Change Investment Plans? LISTEN TO THE FIRST 20 EPISODES HERE >> ...

Nov 18, 202511 min

572 | Can Everyone Still Own a Home? Bernard Salt on the New Divide

LIVE from the AFG Next Conference! 🎤 Bryce and Ben join Australia’s most famous demographer Bernard Salt to unpack the trends that will define our nation’s future. From the rise of Apartmentia and the cultural influence of spice kitchens to the unstoppable force of intergenerational wealth transfers , Bernard reveals how Australia’s housing, lifestyle and population story is being rewritten in real time. Tune in to hear the inside scoop on: 👉 Why millennials are bringing suburbia back 👉 What ...

Nov 13, 202556 min

TPC Gold | ATO Crackdown: The Truth About Debt Recycling

Debt recycling is one of those strategies that sounds clever in theory... using the equity in your home to invest and “convert” non-deductible debt into deductible debt. But as our resident tax expert Julia explains, that’s where many investors get caught out. For the original episode, tune in here: Episode 542 | The Overlooked CGT Timebomb Hidden in Joint Tenancy . LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https:...

Nov 11, 20257 min

571 | When Your Life Plan Falls Apart, What Happens Next? - Chat with Gemma Mitchell

What happens when the money expert has to hit reset on her own life? 💥 Meet Gemma Mitchell: a financial adviser, money coach, and co-host of The Australian Finance Podcast. With over 20 years in banking, wealth coaching, and financial services, Gemma has helped thousands of Australians navigate life’s biggest financial curveballs, from divorce and career change to business setbacks and beyond. But when her own “perfect plan” fell apart, she had to start again and what she discovered changed eve...

Nov 06, 20251 hr 12 min

RBA Nov 2025 | Stagflation Risk Emerges as Confidence Drops

The Reserve Bank of Australia has just made its November 2025 cash rate announcement, and the decision lands amid a whirlwind of competing economic signals. Join Ben Kingsley and resident economist Evan Lucas as they dive deep into what’s really driving the headlines… from inflation and interest rates to housing market dynamics and the growing risk of stagflation. If you’re trying to make sense of where the economy might go next, this episode is one to tune in to. 💡 Thinking about refinancing o...

Nov 04, 202540 min

570 | 3 Pathways to Property Development (and How to Know When You’re Ready) - Chat with Rob Flux

Most investors dream about “doing a development” one day… but few know what it actually takes to do it profitably. In our latest episode, we’re joined by Rob Flux, Founder of Property Developer Network and PICA board member, to unpack the real-world lessons from his own journey, from rebuilding to turning two blocks into eight townhouses in just four years. Rob shares: ✅ The 3 pathways into development for passive investors, renovators, and tradies. ✅ Why “garbage in, garbage out” applies to eve...

Oct 30, 20251 hr 17 min

TPC Gold | How Cities are Built (and Why It Matters for Your Investment)

We all know property investing is about “location, location, location”... but have you ever stopped to think about how cities actually form? In this bonus episode, we go on a journey from the dusty towns of the Wild West to the bustling megacities of today.... all to unpack the evolution of cities and why understanding this process can give you a huge edge as an investor. For the original episode, tune in here: Episode 163 | Infrastructure: What’s the Game Changer for Property? LISTEN TO THE FIR...

Oct 28, 202510 min

569 | Everyone’s an Expert Until the Tide Goes Out: What 44 Years of Data Reveals!

In this week’s special episode, Bryce & Ben “compare the pair”: not with jingles or gimmicks, but with hard data and one clear winner. 📊 Using 44 years of property performance, they uncover why Brisbane’s steady economic engine outperforms Townsville’s volatile cycle , and what it means for investors tempted by short-term wins. From super tax changes and trust reforms to Ponzi-like buyer activity , the boys reveal what happens “when the tide goes out”... And who’s left swimming naked. Tune ...

Oct 23, 20251 hr 6 min

TPC Gold | What to Do When Life Doesn’t Go to Plan

What happens when the life you planned… suddenly isn’t? In this powerful throwback moment, Bryce chats with former NRL player Matt Srama, who opens up about the identity crisis that came with an unexpected early retirement — and the mindset shift that helped him find clarity on the other side. For the original episode, tune in here: Episode 270 | How to Recover When You’ve Lost Everything. LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICG...

Oct 21, 20255 min

568 | Buyer’s Agents Behaving Badly? The Good, The Bad, and The Dangerous – Chat with Melinda Jennison

There’s a surge of new buyer’s agents flooding the market… Some are brilliant, ethical and genuinely helping buyers win in tough conditions. But others? They’re charging upfront fees, disappearing on clients, buying properties sight unseen... and even recommending complex trust and super structures they’re not licensed to advise on. So how do you tell the difference between a trusted advocate and a fast-talking spruiker? To help us cut through the noise, we’re joined by someone who’s leading the...

Oct 16, 20251 hr 17 min

TPC Gold | The Truth About Good Property Investment Advice

In this TPC Gold episode, we rewind the clock to a timeless chat with our very own Ben Kingsley — recorded just after he won Property Investment Advisor of the Year for the second year in a row. While the awards are worth celebrating, what makes this conversation truly evergreen is the insight into why great property advice matters, and how to spot it. For the original episode, tune in here: Episode 36 | Journey of the Property Investment Advisor of the Year. LISTEN TO THE FIRST 20 EPISODES HERE...

Oct 14, 20259 min

567 | Trusts, SMSFs & “My Buyer’s Agent Said I Asked Too Many Questions!” — Is That Normal?

This episode is a big community service announcement wrapped in a Q&A session! We unpack a listener’s cautionary tale about high-pressure “systems”, dig into whether West is still best, and tackle the surge in trust-based strategies promising “unlimited borrowing capacity”. Plus: a Mindset Minute reset, a simple hotel sleep hack, and what first-home buyers most regret about their home loans. Full show notes here 👉 https://thepropertycouch.com.au/ep567-qa-trusts-smsf/ LISTEN TO THE FIRST 20 ...

Oct 09, 202554 min

TPC Gold | Do I Need More Than One Offset Account?

When it comes to structuring your property loans, the offset account is one of the most powerful tools in your arsenal. But how many should you actually have? In this bonus episode, we’re diving into a question from long-time listener Alan, who’s wondering whether he needs to set up a second offset account for his next investment property. For the original episode, tune in here: Episode 259 | Q&A: A Tax-Saving Hack for An Offset Account, The Simplest Way to Keep Track of Your Properties and ...

Oct 07, 20254 min

566 | Could $800 Really Be Worth Thousands? The Untapped Shortcut to Bigger Cash Flow – Chat with Brad Beer

Most investors don’t realise they’re sitting on thousands in extra deductions...and the ATO isn’t in a hurry to remind them. This week, we’re joined by Bradley Beer, CEO of BMT Tax Depreciation, to unpack how a depreciation schedule can turn dead money into real cash flow. You’ll discover: Why old properties can still deliver big deductions The truth about cheap online depreciation reports How renovations and scrapping can supercharge returns The average deductions most investors miss (hint: it’...

Oct 02, 20251 hr 15 min

(LIVE) RBA Sep 2025 | Is the Property Boom Back? Animal Spirits Are Stirring...

The Reserve Bank of Australia just made its September 2025 cash rate call, and we’re unpacking not just the rate decision itself... but the shifting sentiment that could be pointing to the next property upswing. 💡 Thinking about refinancing or adjusting your loan strategy? Let our team help you review your options . LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR MONEY MANAGEMENT APP: 👉 Apple: https://apple.co/3ioICGW 👉 Google Play: https://bit.ly/3OT86bW 👉 Web platform: https://www.moor...

Sep 30, 20251 hr 7 min

565 | Overpaying For Property? Your Insider’s Guide To Negotiating – Chat with Scott Aggett

Most buyers walk into a property deal at a serious disadvantage. The agent knows the tricks, the tactics, and the pressure points that can make you pay tens of thousands more than you should. But what if you could flip the script? That’s exactly what Scott Aggett has been doing for over 30 years. With more than 4,000 property deals under his belt, Scott traded a high-flying career in agency land for the buyer’s side of the table, launching Hello Haus and pioneering Australia’s first “Negotiation...

Sep 25, 20251 hr 22 min

TPC Gold | What Is a Passive House—and Why More Aussies Are Building Them

With rising energy costs, growing climate concerns, and an increasing demand for healthy, sustainable living environments, there’s a growing buzz around passive homes... but what are they exactly? In this bonus snippet, Bryce sits down with Raphael Siket (passive house owner and director of a building biology service) and Amelia Lee (founder of Undercover Architect) to explore why more Australians are choosing to build these innovative, high-performance homes. For the original episode, tune in h...

Sep 23, 20258 min

564 | From FOMO to COMO: What Compromise Gets You Into the Property Market?

FOMO is out. COMO is in. 🎯 For years, Aussie property headlines were all about fear of missing out: buyers rushing into the market at any cost. But today’s reality is very different. With affordability ceilings, tighter borrowing limits, and scarce supply, the real challenge is learning how to compromise… or miss out. In our latest episode, we revisit one of the pillars of knowledge: The Buyer’s Decision Quadrant, price, location, land size, dwelling quality, and explore the one question EVERY ...

Sep 18, 20251 hr 1 min
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