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While the Reserve Bank of Australia has kept rates on hold yet again, the big question is—how much longer will this last?
And more importantly, when might we see the next rate cut?
With the local economy sending mixed signals, it seems that many economists are finding it increasingly difficult to predict the RBA’s next move. In fact, they keep changing their forecasts.
But it's not just our local factors in play.
Overseas developments, particularly the political shifts in the United States with a newly elected president, could have ripple effects that impact our rates here in Australia.
How will these global pressures influence the timing of any rate cuts? And what might it mean for property markets and investors looking to plan their next move?
That’s what I discussed today with Dr Wilson, chief economist of My Housing Market, in today’s podcast.
Takeaways
· The RBA has held rates steady for the eighth consecutive month, but with economic signals unclear, economists are finding it increasingly difficult to forecast the next move. While many expect a rate cut next year, Dr. Andrew Wilson predicts it may not come until at least late 2025.
· The RBA has indicated that inflation is unlikely to settle within its target range (2-3%) until 2026. With underlying inflation still above 3%, the RBA is expected to keep rates "restrictive" until inflation is sustainably under control.
· Despite the cost-of-living pressures, the Australian economy remains resilient with a low unemployment rate, record-high workforce participation, and robust job growth. Retail sales are also holding strong, staying well above pre-COVID levels.
· Political and economic shifts overseas, particularly in the U.S., could impact the RBA's future rate decisions, adding an extra layer of uncertainty for investors and homeowners trying to plan their next steps.
· The latest ABS data shows a slight decrease in the total value of new housing loans in September, with a 0.3% drop to $30.2 billion. While investor loans fell by 1.0%, owner-occupier loans inched up by 0.1%. Investor loan values remain high in states with strong housing markets.
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: What’s Next for Interest Rates? Dr. Andrew Wilson’s Predictions for 2025
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In today’s show, Brett Warren and I dissect Warren Buffett’s investing principles, especially as they could apply to the Melbourne property market.
We explore the value of long-term strategies, the importance of quality assets, and the need for solid cash flow.
We also discuss market cycles, how interest rates affect investments, and why it’s essential to have a safety margin.
Overall, we emphasise taking a strategic approach to property investment, aiming to build wealth steadily over time rather than chasing quick gains, discussing things like…
· Long-term wealth building requires patience and strategic planning.
· Market cycles are inevitable; timing the market is less important than “time in” the market.
· Quality assets are essential for long-term capital growth.
· Cash flow is crucial for sustaining investments during downturns.
· Investing in desirable locations can mitigate risks.
· A margin of safety protects investments from market fluctuations.
· Understanding demographics and trends is key to successful investing.
· Building a solid foundation takes time but pays off in the long run.
· Having a strategic plan is vital for navigating the property market.
Links and Resources:
Michael Yardney, founder of Metropole
Brett Warren - National Director of Property at Metropole
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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Saknas det avsnitt?
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Our housing markets have been remarkably resilient over the last year, despite high interest rates and even though the RBA didn’t drop interest rates this year, like many expected.
With inflation falling faster than expected, there is now the anticipation of rate drops early next year and it seems that the gloom that descended on Australian consumers 2 ½ years ago is finally showing signs of lifting.
What does this mean for our economy and housing markets?
That’s exactly what Pete Wargent and I discussed in today’s show.
We explore also the impact of government policies on property investment and analyze demographic trends affecting housing demand.
The conversation also touches on the challenges within the construction sector and the outlook for property investment in Australia, particularly in light of immigration and economic predictions for 2025.
Links and Resources:Michael Yardney – Metropole Property Strategists
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Pete Wargent’s blog
Pete Wargent’s new book, The Buy Right Approach to Property Investing
Pete’s other book – The New Wealth Way
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Key Trends Shaping Australia’s Property Market in 2025 | Big Picture Podcast with Pete Wargent
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In this episode we discuss the findings of the 2024 Property Investment Professionals Association Annual Investor Sentiment Survey with Nicola MacDougall. We explore the current state of the property investment market, the challenges investors face, including rising holding costs and government policies, and the importance of having a clear investment strategy. The conversation also touches on the role of investors in the rental crisis, the perception of different states as investment-friendly, and the need for qualified property advisors in the industry.
Links and Resources:
Michael Yardney
Nicola McDougall – chair of PIPA – download the PIPA Annual Investment survey https://www.pipa.asn.au/wp-content/uploads/PIPA_Investor-Survey-Report_2024.pdf here
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Insights from the PIPA Investor Survey – with Nicola McDougall
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I am about to shatter your very understanding of happiness. For some listeners, this may be discomforting; for others, this may be a revelation.
In my chat with international best-selling author Tom Corley today, we will explain why wealthy people are happier.
Now, I know they say money can’t buy happiness, but please bear with me as Tom and I discuss his Rich Habits research so you can understand what we’re on about.
At the end of today’s show, you’ll realize this is not a judgment about rich or poor people, however, it will give you a guide just to how to get more out of your own life.
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Tom Corley’s blog
Get your copy of Rich Habits, Poor Habits here- www.RichHabitsPoorHabits.com
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: The truth behind why rich people are happier with Tom Corley
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In today’s show, we answer one of the questions on almost every property investor's mind: "How long does it take for my investment property to cover its costs?"
We all know property investment is a long-term game, but it’s easy to get frustrated when you’re pouring money into your investment and not seeing immediate returns.
So, how long should we be prepared to wait? And what can we do to speed up the process?
That’s what I’m going to ask my guest today, independent financial advisor and property expert Stuart Wemyss, director of Prosolution Private Clients.
So, if you’ve ever felt frustrated by the ongoing expenses of your investment property or wondered if you’re on the right track, you won’t want to miss today’s show!
Links and Resources:
Michael Yardney
Stuart Wemyss – Prosolution Private Clients
Stuart’s Book – Rules of the Lending Game & Investopoly
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.
Shownotes plus more here: Is Your Investment Property a Money Pit? When It Will Finally Start Paying You! With Stuart Wemyss
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Today is another of our popular question-and-answer shows. It's the replay of a recent webinar where Ken Raiss, Brett Warren, and I answered a wide range of questions asked by the participants.
Today’s show covers strategies and considerations for building a strong property portfolio amidst economic challenges. Whether you're looking to invest in Melbourne's promising market or curious about the financial strategies needed to secure your investments, this episode offers a wealth of knowledge tailored for both seasoned and aspiring property investors.
Links and Resources:
Michael Yardney
Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here
Brett Warren - National Director Metropole
Ken Raiss, director Metropole Wealth Advisory
Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here
Get Ken Raiss’ report: Your Guide to Understanding Ownership Structures & Trusts – just click here
Get your bundle of E-books and resources as my gift for subscribing to this podcast www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Ask the Experts – Answers to your property questions with Ken Raiss and Brett Warren
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Today, we're talking about property data.
We’ve all heard the saying, “The numbers don’t lie,” but what if I told you that relying too much on property data could actually lead you astray?
That’s exactly what my guest, Stuart Wemyss and I talk about today.
If you’ve ever felt overwhelmed by the endless stream of property market data or found yourself second-guessing your investment decisions because of some 'hot' new trend, then this episode is for you.
Stuart will break down which numbers you can trust, how to spot the indicators that matter, and why sometimes, the data can lead even the smartest investors down the wrong path.
Links and Resources:
Michael Yardney
Stuart Wemyss – Prosolution Private Clients
Stuart’s Book – Rules of the Lending Game & Investopoly
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.
Shownotes plus more here: Why You Should Ignore Most Property Data – Insights from Stuart Wemyss
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Today we're going to talk about why medium prices may not be the best gauge for housing costs.
Now, if you're like most property investors or people interested in property, apart from auction results, medium prices are probably the most quoted statistic, but maybe they're not the right way for you to judge how our housing market's going. Maybe it's not the best benchmark, and my discussion today with leading demographer Simon Kuestenmacher may challenge some of your perspectives.
Links and Resources:
Subscribe to the Demographics Decoded Podcast on:
● Apple Podcasts: https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675
● Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK
● YouTube: https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA
Shownotes plus more here: Forget Median Prices! Discover the Real Way to Gauge Housing Affordability with Simon Kuestenmacher
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Today, we're diving into some timeless wisdom that has guided investors for decades, but with a twist—how these principles apply to property investment.
Ken Raiss and I will explore Benjamin Graham's teachings from his seminal book, The Intelligent Investor, a classic in the world of investing, often revered as the ultimate guide to building wealth.
Now, you might wonder, "What does a book written in 1949 about stock market investing have to do with property?"
Well, Graham's principles transcend asset classes, offering powerful insights into the psychology of investing, that are just as relevant to property investors as to those in the stock market.
So, Ken Raiss and I will translate Graham’s insights into actionable strategies for you for today’s property market. We’ll discuss how to apply these principles to build a resilient and prosperous property portfolio, one that can withstand market fluctuations and help you achieve long-term financial security.
Links and Resources:
Subscribe to our new Demographics Decoded Podcast with Simon Kuestenmacher on Apple Podcasts or Spotify or YouTube
Ken Raiss, director Metropole Wealth Advisory
Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here
Get Ken Raiss’ report: Your Guide to Understanding Ownership Structures & Trusts – just click here
Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here
Get your bundle of E-books and resources as my gift for subscribing to this podcast www.PodcastBonus.com.au
Shownotes plus more here: What The Intelligent Investor Can Teach You About Thriving in Property Investment with Ken Raiss
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In today’s show we discuss why the rich seem to have fewer problems and how, while money doesn't necessarily buy happiness, it certainly can create less unhappiness.
Together with Tom Corley, the co-author of my best-selling book Rich Habits Poor Habits, we challenge some common misconceptions and dig deep into why financial stability can alleviate many of life's stresses.
Of course, money doesn’t automatically equate to happiness; the rich have their problems and challenges as well.
Still, I’m sure you’ll find my conversation with Tom enlightening as he explains how his study shows that money can alleviate 58% of all the problems we experience.
So, let’s unpack these ideas and provide you with insights that can help you on your own journey to success and fulfillment.
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Tom Corley’s blog
Get your copy of Rich Habits, Poor Habits here- www.RichHabitsPoorHabits.com
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Believe it or not, the rich have 58% fewer problems, With Tom Corley
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Have you thought about investing in commercial property?
You’re not alone — faced with the prospect of more moderate returns from their residential property investments, many investors consider this an alternative.
By this I mean offices, shops, or warehouses.
Some investors are looking for diversification in their investment portfolios; others are looking for positive cash flow. Some investors have noticed that most institutional property investors and many of the investors you read about in the Financial Review Rich 200 List own mainly commercial properties.
Links and Resources:
Subscribe to the new Demographics Decoded Podcast with Simon Kuestenmacher :
● Apple Podcasts: https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675
● Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK
● YouTube: https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Brett Warren - National Director Metropole
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Shownotes plus more here: Commercial Property Investment: A Wise Choice or a Gamble? With Brett Warren
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Today, we’re tackling one of the most exhilarating—and sometimes nerve-wracking—aspects of the real estate market: auctions.
Around Australia, weekend property auctions have become almost a national pastime. People love to go along to have a sticky beak, to get an idea of the market, to fantasize about their dream homes or just to watch the street theatre unfolding before them.
It’s a bit like watching buskers – you see an auction being conducted and you have to stop and gawk for a while.
For all the street theatre and entertainment value, auctions represent a lot of stress and tension for those involved so today and that’s why I’m pleased to have a chat with Andy Reid today.
Andy is not just an award-winning auctioneer; he’s a master of the auction floor, with a wealth of experience that gives him a unique perspective on what it takes to succeed and get that property you’re after.
In this episode, we’ll be discussing everything from the insider tips that can give you an edge, to the common mistakes that trip up even seasoned bidders.
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get in contact with Andy Reid – Auctioneer and Real Estate Coach
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Outsmarting the Competition: Auction Day Secrets with Andy Reid
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Today, I want to give you my thoughts on a topic that's been dominating headlines and sparking debates across the country: housing affordability.
It's a subject that stirs up strong emotions, especially as the dream of home ownership seems to be slipping further out of reach for many Australians. But here's the question that I think you really need to ask: do we really want houses to be more affordable?
On the surface, it seems like an obvious yes. Who wouldn't want more people to have access to their housing market?
But when we dig deeper, we uncover a complex web of economic, social, and political factors that make the issue far more complicated than it appears.
So in today's episode, I want to explore these nuances with you. We'll look at the broader implications of making housing more affordable, discuss who really benefits from rising property prices, and consider what it would take to genuinely address the affordability crisis.
Links and Resources:
Michael Yardney
Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here
Get your bundle of E-books and resources as my gift for subscribing to this podcast www.PodcastBonus.com.au
Also, please subscribe to my new podcast, Demographics Decoded, with Simon Kuestenmacher. Just look for Demographics Decoded wherever you listen to this podcast and subscribe so we can unveil the trends shaping your future each week.
Shownotes plus more here: The Shocking Truth About Housing Affordability: Do We Really Want Cheaper Homes?
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Today is another of our popular question-and-answer shows where Ken Raiss, Brett Warren, and I answer a wide range of questions asked by the participants of a recent webinar.
We answered questions about why the Melbourne property market is currently underperforming and when to expect it to turn around, there are a number of questions regarding the land tax, we talked about rentvesting, where the best place to invest in Australia is at the moment, ownership structures and much more.
I’m sure as a property investor you’ll benefit from listening to today’s show.
Links and Resources:
Michael Yardney
Why not get the team at Metropole on your side to give you holistic property and wealth advice– find out more here
Brett Warren - National Director Metropole
Ken Raiss, director Metropole Wealth Advisory
Have a chat with Ken Raiss and the team at Metropole Wealth Advisory to secure your financial future – click here
Get Ken Raiss’ report: Your Guide to Understanding Ownership Structures & Trusts – just click here
Get your bundle of E-books and resources as my gift for subscribing to this podcast www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Answers to your property questions with Ken Raiss and Brett Warren
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Housing affordability, or the lack thereof, and the historically low vacancy rates, have often been blamed on a large number of overseas migrants coming to Australia, so what would happen if we stopped migration?
That’s what I’m going to be discussing today with leading demographer Simon Kuestenmacher..
However, this is a special episode of a new second podcast that I’ll be delivering to you each week with Simon.
Over the last four years, Simon has been one of the most popular regular guests on this podcast and because we both believe the demographics are going to be one of the main drivers of our property markets, business, and economy moving forward, we are publishing a separate podcast that we’re calling Demographics Decoded where we’re going to unravel the trends that will shape the future of your investment decisions business strategies and organizational planning.
While you're hearing the show today on the Michael Yardney podcast, Demographics Decoded has its own channel on all podcast Apps and YouTube.
I’m running the show here on the Michael Yardney podcast to give you a taste of what’s ahead, but please stop for a moment and look for demographics decoded on whichever podcast App you’re currently listening to this show on and subscribe to that show as well. I will leave a link in the show notes to make it easy.
Links and Resources:
Subscribe to the Demographics Decoded Podcast on:
● Apple Podcasts: https://podcasts.apple.com/au/podcast/demographics-decoded-unveiling-the-trends-shaping/id1755981675
● Spotify: https://open.spotify.com/show/6qsThQ6mIXK8RKWlhst1xK
● YouTube: https://www.youtube.com/playlist?list=PLssKuseYAEYwHYfEI262DzEqNQjZKhykA
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Simon Kuestenmacher – Director, The Demographics Group
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Shownotes plus more here: What if we stop immigration – will it really help our property markets? With Simon Kuestenmacher
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We all have a limit to our budgets, and I know many investors have to make the decision: should you invest in an investment-grade apartment in a prime location or a house in a secondary location?
Each option has its benefits and challenges and choosing the right one can significantly impact your investment returns.
Today I’m joined by Stuart Wemyss and I ask him what makes an apartment "investment-grade," the critical role of location in property investment, and how to balance capital growth with rental yield.
We'll also explore market trends, tenant preferences, and long-term investment strategies to help you determine which option aligns best with your financial goals.
Links and Resources:
Michael Yardney
Stuart Wemyss – Prosolution Private Clients
Stuart’s Book – Rules of the Lending Game & Investopoly
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Shownotes plus more here: The Property Dilemma: Investment-Grade Apartments or Secondary Location Houses? With Stuart Wemyss
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Welcome to another monthly Big Picture episode of the Michael Yardney podcast.
Each month, I get together with leading financial commentator Pete Wargent, who brings decades of perspective to his views.
In this episode, we explore a range of topics from inflation and government spending to property investment strategies and market trends.
Links and Resources:
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Pete Wargent’s blog
Pete Wargent’s new book, The Buy Right Approach to Property Investing
Pete’s podcast episode we mentioned
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Economic Indicators That Property Investors Must Know About | Big Picture Podcast with Pete Wargent
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In today’s show I chat with Ross Elliot, a prominent voice in the property market and urban development.
Ross recently penned a thought-provoking article titled "The Housing Fix We Actually Can Do," where he delves into the impact of taxes on property affordability and offers practical solutions to this pressing issue.
We'll discuss the current tax policies and their effects on housing affordability and explore feasible changes that could significantly improve the situation.
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Ross Elliott – subscribe to his blog here.
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: The Shocking Truth About Property Taxes: Why Your Home is Unaffordable!
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In today’s show, we discuss Domain's latest Profit and Loss Report with Dr. Nicola Powell, the Chief of Research and Economics at Domain.
In this detailed look at the current state of the property market across the country we explore the key findings from the report, dive into regional disparities, and discuss the impact of economic factors like interest rates and inflation on property profitability.
Links and Resources:
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Dr Nicola Powell, Domain’s Chief of Research and Economics
Domain’s Profit and Loss Report
Get a bundle of eBooks and reports – www.PodcastBonus.com.au
Since you’re a fan of podcasts, please subscribe to my Demographics Decoded podcast that I publish every Wednesday with leading demographer Simon Kuestenmacher and allow us to unveil the trends shaping your future. Just follow that show on whatever podcast you’re listening to this podcast.
Shownotes plus more here: Revealed: The Surprising Truth About Property Profits in 2024 with Dr. Nicola Powell
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