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this is property

508 property market update + rent or buy right now, interest rates, inflation & more

Season 5
โ€ข

People who weren't looking to buy are now considering it with the current state of the market. John and Em talk about renting vs buying and a high level view of what's happening in the property market.


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๐Ÿก Quick links to John and Emilyโ€™s online courses and $20 off The Glen James Spending Plan


my millennial property is produced by SYMO interactive, home of my millennial money.

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  • 820 rate rises, buyer's market & what the data is actually telling us with Eliza Owen

    46:26||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MJohn is joined by Independent Housing Analyst Eliza Owen for a look at how the May 26 rate rise is impacting the Australian housing market. They touch on:๐Ÿ‘‰๐Ÿผ the impact on mortgage holders๐Ÿ‘‰๐Ÿฝ can we anticipate more rate rises in the second half of 2026?๐Ÿ‘‰๐Ÿพ how different sub-markets are affected๐Ÿ‘‰๐Ÿฟ is there an opportunity for upsizers?๐Ÿ‘‰ when can we see a rate cut occur?๐Ÿ‘‰๐Ÿป are rate increases actually effective for reducing inflation?๐Ÿ‘‰๐Ÿผ how is undersupply fixed?๐Ÿ‘‰๐Ÿฝ buyer sentiment and behaviour during this time๐Ÿ‘‰๐Ÿฟ Eliza's tip for buyers to maximise negotiation power๐Ÿ‘‰๐Ÿป a quick fire Q&AConnect with Eliza on LinkedIn: https://www.linkedin.com/in/eliza-owen-2554ab65/this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • what the tax changes mean for property investors

    01:16:56||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MOn Thursday 21 May, John & Glen James from money money money walked through the CGT and Negative Gearing changes live on YouTube following the 2026 Federal Budget.Want to chat about your property situation? Book a 15min free call with John and the team at Envisage Property: https://www.envisageproperty.com.au/this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 819 using equity vs saving cash, agent underquoting, help to buy + more

    41:44||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn this Q&A, John & Rach discuss your questions about:๐Ÿ‘‰๐Ÿผ $500k equity in my PPOR, should I use it or save a separate cash deposit?๐Ÿ‘‰๐Ÿฝ sell now to fund retirement or wait 5 years but risk it not being a seller's market?๐Ÿ‘‰๐Ÿพ single buyer with a $500k ceiling, is this the norm? What are my options?๐Ÿ‘‰๐Ÿฟ why do agents underquote and what can buyers do about it?๐Ÿ‘‰๐Ÿป I'm terrified of buying at the peak and ending up in negative equity!๐Ÿ‘‰ is the Help to Buy scheme worth it?๐Ÿ‘‰๐Ÿผ if wages aren't keeping up, can property really grow at 6% a year?this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 818 Federal Budget 2026: what it means for property

    48:02||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MThe Federal Budget has dropped, now what does it mean for property? Rach and John dive into the proposed changes to property and what they could mean for buyers, sellers and investors across Australia. They touch on:๐Ÿ‘‰๐Ÿพ negative gearing changes๐Ÿ‘‰๐Ÿฟ CGT 50% discount changes from 1 July 2027 - for property bought before Budget night, any gains accrued up until July 2027 will keep the 50 per cent discount and any gains accrued after July 2027 will be subject to the new rules๐Ÿ‘‰๐Ÿป discretionary trusts hit with a new minimum 30% tax rate๐Ÿ‘‰ potential impact on borrowing capacity and lending๐Ÿ‘‰๐Ÿผ the push towards new builds and whether soaring build costs actually make the numbers stack up๐Ÿ‘‰๐Ÿฝ SMSF investors are untouched๐Ÿ‘‰๐Ÿป is rentvesting still a smart pathway to owning your own home?this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 817 market update: rate rises, tighter lending & why property hasn't slowed

    41:13||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn this quarterly market update, John and Rachelle unpack what's actually happening in lending and property right now. They touch on:๐Ÿ‘‰ rate rises and what it means for lending and pre-approvals๐Ÿ‘‰๐Ÿผ the Help to Buy Scheme explained, plus a new trend: businesses buying their own premises๐Ÿ‘‰๐Ÿฝ Sydney's unaffordability and where opportunity is๐Ÿ‘‰๐Ÿพ John and Rach's predictions for next quarter, and the vacancy rate metric worth watching๐Ÿ‘‰๐Ÿฟ what rate rises mean for first home buyers, upsizers and investorsThis episode was recorded on the 15 April 2026.this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 816 CGT changes, upsizing vs investing & the uncertain market

    43:50||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn this Q&A episode John Pidgeon and Rachelle Kroon unpack:๐Ÿ‘‰๐Ÿผ how our community is feeling about life, the market & CGT changes๐Ÿ‘‰๐Ÿฝ upsizing & buying before you sell and timing around the budget CGT announcement๐Ÿ‘‰๐Ÿพ paying $130k left on the mortgage vs buying an investment property๐Ÿ‘‰๐Ÿฟ selling while on maternity leave, will the 50% CGT discount be grandfathered?๐Ÿ‘‰๐Ÿป retiring soon and worried CGT changes will derail the plan๐Ÿ‘‰ CGT discounts may differ for new builds vs existing properties๐Ÿ‘‰๐Ÿผ upsizing the family home or buying the first investment propertythis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 815 buying property in your SMSF: setup, tax benefits, key rules & common pitfalls

    44:30||Season 8
    In today's episode, Leah Hall from Lift Accounting is back on the show to help unpack all things property & self-managed super funds (SMSF). Rachelle and Leah chat about:๐Ÿ‘‰๐Ÿผ what is an SMSF and how does it work?๐Ÿ‘‰๐Ÿฝ how does SMSF differ from an industry super fund๐Ÿ‘‰๐Ÿพ why buy property in super?๐Ÿ‘‰๐Ÿฟ what's required to start an SMSF๐Ÿ‘‰๐Ÿป who shouldnโ€™t setup an SMSF๐Ÿ‘‰ how to actually buy a property in your super๐Ÿ‘‰๐Ÿผ property rules within SMSF๐Ÿ‘‰๐Ÿฝ business owner purchasing their business premises in SMSF๐Ÿ‘‰๐Ÿพ the tax-free benefit in retirement๐Ÿ‘‰๐Ÿผ common mistakes to avoid when buying property in SMSFLeah's website: https://liftaccounting.au/this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 814 Mitch has 3 properties & no borrowing power, what to focus on next? (clarity call with John Pidgeon)

    52:31||Season 8
    Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MThis episode was originally recorded for the money money money show. In this live clarity call, John Pidgeon chats with Mitch who is feeling stuck and unsure on how to move his property portfolio forward. They unpack:๐Ÿ‘‰๐Ÿผ Mitchโ€™s roadblock๐Ÿ‘‰๐Ÿฝ his businesses๐Ÿ‘‰๐Ÿฟ long term lifestyle, property and business goals๐Ÿ‘‰ cashflow and expense management๐Ÿ‘‰๐Ÿป the lending reality as a new business owner๐Ÿ‘‰๐Ÿพ clarifying focus & building income first, then investing๐Ÿ‘‰๐Ÿผ Mitch's property portfolio๐Ÿ‘‰๐Ÿฟ John's 4 pillars of wealth creation๐Ÿ‘‰ action stepsInterested in a clarity call with John? Book here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty
  • 813 this investor built huge equity with 3 properties over 10 years

    34:19||Season 8
    What happens when someone takes action, keeps it simple and sticks with property for the long game? In this episode, John shares the real story of a client and friend who built around $1.3 million in equity across three investment properties in under a decade without chasing flashy strategies or taking wild risks. They unpack:๐Ÿ‘‰๐Ÿผ the client's initial starting point๐Ÿ‘‰๐Ÿฝ the first investment in Brisbane in 2016๐Ÿ‘‰๐Ÿพ the second investment on the Gold coast in 2018๐Ÿ‘‰๐Ÿฟ the third investment in Bendigo in 2019๐Ÿ‘‰๐Ÿป financial position then vs now๐Ÿ‘‰ their total cash contribution across the portfolio๐Ÿ‘‰๐Ÿผ what's next for the client๐Ÿ‘‰๐Ÿฝ key takeaways for listenersthis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty