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819 using equity vs saving cash, agent underquoting, help to buy + more
Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH
John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M
In this Q&A, John & Rach discuss your questions about:
๐๐ผ $500k equity in my PPOR, should I use it or save a separate cash deposit?
๐๐ฝ sell now to fund retirement or wait 5 years but risk it not being a seller's market?
๐๐พ single buyer with a $500k ceiling, is this the norm? What are my options?
๐๐ฟ why do agents underquote and what can buyers do about it?
๐๐ป I'm terrified of buying at the peak and ending up in negative equity!
๐ is the Help to Buy scheme worth it?
๐๐ผ 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.au
Sphere Home Loans: https://www.spherehomeloans.com.au
Join 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
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822 every first home buyer scheme & incentive (and how to stack them)
35:19||Season 8Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHIn this episode, Rachelle breaks down every national and state-based scheme available to first home buyers right now, real client case studies to show exactly how much money you can save and explains which incentives you can combine for maximum impact. She touches on:๐๐ผ the First Home Super Saver scheme (FHSS)๐๐ฝ the Australian Government 5% Deposit Scheme๐๐พ the 2% deposit variation for single parents๐๐ฟ the Australian Government Help to Buy Scheme๐ Stamp duty concessions state-by-state for an $800k purchase๐๐ผ the First Home Owner Grant (FHOG) for new buildsLearn more:https://firsthomebuyers.gov.au/https://www.firsthome.gov.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
821 EOFY tax tips for business owners & property investors
37:53||Season 8Rachelle'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 episode Rachelle is joined by return guest Leah Hall, director and accountant at Lift Accounting to unpack what business owners and property investors need to know at EOFY. This episode was recorded prior to the budget. They talk about:๐๐ผ depreciation schedules & who prepaying interest might suit๐๐ฝ maximising deductions๐๐พ don't spend money just to save tax๐๐ฟ check your borrowing capacity before big purchases๐๐ป check your business & property structures๐ tax reporting๐๐ผ the small business instant asset write-off๐๐ฝ why investors can't claim travel expenses๐๐พ changes to tax deductions for holiday home owners๐๐ฟ cashflow as the biggest mistake that Leah sees Check out Leah's resources for this episode & the federal budget: https://liftaccounting.au/podcast-packRelated episodes:722 top tax tips for property investors: Apple | Spotify733 property structures explained: trusts, companies & super funds: Apple | Spotifythis 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
820 rate rises, buyer's market & what the data is actually telling us with Eliza Owen
46:26||Season 8Rachelle'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:๐๐ผ the impact on mortgage holders๐๐ฝ can we anticipate more rate rises in the second half of 2026?๐๐พ how different sub-markets are affected๐๐ฟ is there an opportunity for upsizers?๐ when can we see a rate cut occur?๐๐ป are rate increases actually effective for reducing inflation?๐๐ผ how is undersupply fixed?๐๐ฝ buyer sentiment and behaviour during this time๐๐ฟ Eliza's tip for buyers to maximise negotiation power๐๐ป 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 8Rachelle'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
818 Federal Budget 2026: what it means for property
48:02||Season 8Rachelle'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:๐๐พ negative gearing changes๐๐ฟ 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 rules๐๐ป discretionary trusts hit with a new minimum 30% tax rate๐ potential impact on borrowing capacity and lending๐๐ผ the push towards new builds and whether soaring build costs actually make the numbers stack up๐๐ฝ SMSF investors are untouched๐๐ป 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 8Rachelle'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:๐ rate rises and what it means for lending and pre-approvals๐๐ผ the Help to Buy Scheme explained, plus a new trend: businesses buying their own premises๐๐ฝ Sydney's unaffordability and where opportunity is๐๐พ John and Rach's predictions for next quarter, and the vacancy rate metric worth watching๐๐ฟ 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 8Rachelle'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:๐๐ผ how our community is feeling about life, the market & CGT changes๐๐ฝ upsizing & buying before you sell and timing around the budget CGT announcement๐๐พ paying $130k left on the mortgage vs buying an investment property๐๐ฟ selling while on maternity leave, will the 50% CGT discount be grandfathered?๐๐ป retiring soon and worried CGT changes will derail the plan๐ CGT discounts may differ for new builds vs existing properties๐๐ผ 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 8In 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:๐๐ผ what is an SMSF and how does it work?๐๐ฝ how does SMSF differ from an industry super fund๐๐พ why buy property in super?๐๐ฟ what's required to start an SMSF๐๐ป who shouldnโt setup an SMSF๐ how to actually buy a property in your super๐๐ผ property rules within SMSF๐๐ฝ business owner purchasing their business premises in SMSF๐๐พ the tax-free benefit in retirement๐๐ผ 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