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REDOM LIVE: The Reset - Sydney 22-23 Oct and Melbourne 29-30 Oct 2026. 3 hours, 50 seats, $49 a ticket. Get yours here: https://redomlive.au

2026 has been the year property investing reset. Interest rates have gone up 4 times this year, the government has changed the incentives, and an investment boom is reshaping the Australian economy. The playbook that worked between 2020 and 2025 is over.

In this episode, Curtis and I go city by city through what the big banks and economists are forecasting for house prices over the next 12 months. I also lay out the big shifts I think will drive property for the rest of this decade, and why picking markets off a data website no longer cuts it.

What you'll learn:
- What the big banks are forecasting for Sydney house prices over the next 12 months, with forecasts read out on the show ranging from about 10% to 16% lower
- How Melbourne, Brisbane, Perth and Adelaide compare, and why Melbourne may be the first market to turn
- Why my base case is that capital growth from 2026 to 2030 runs at around half the pace of 2020 to 2025
- Why unemployment and the sector you work in matter more to the next cycle than another rate move
- Which parts of the economy look green (tourism, construction, energy, mining, medical) and which look red (consulting, professional and financial services)
- Why chasing days on market and stock levels alone is too simplistic now
- Why, despite all of this, I'm still optimistic about Australia's long-term future

If this helped you see the market differently, subscribe to Australian Property Talk for a new episode every week.

#AustralianPropertyTalk #PropertyInvesting #AustralianProperty #HousingMarket #InterestRates

Chapters
00:00 Intro
00:41 2026: the year property investing reset
03:02 Prediction 1: capital growth halves to 2030
05:04 Sydney: what the banks are forecasting
10:07 Prediction 2: unemployment
10:57 Prediction 3: the green and red sectors
14:24 Prediction 4: technology reshapes the economy
17:08 Why data-website investing no longer works
17:54 Why I'm still optimistic about Australia
20:35 Melbourne forecasts
21:53 Brisbane, mining and the AI boom
25:08 Perth and Adelaide
26:16 Recap: where Curtis and I agree
27:56 REDOM LIVE events
29:46 Final thoughts

This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Reach out to us at www.australianpropertytalk.com.au

Send us Fan Mail

Join me at REDOM LIVE for a 3-hour live workshop in Sydney (22–23 Oct 2026) and Melbourne (29–30 Oct 2026).

🎟️ Grab your seat: https://redomlive.au/

Is Australia heading into a major housing market crash or is the country entering a once-in-a-generation economic reset?

In this episode, we take a deep dive into the future of the Australian economy and property market, exploring how rising interest rates, artificial intelligence, changing industries and shifting employment trends could reshape where Australians live, work and invest over the next decade.

The discussion introduces the ideas behind The Money Map and explores why the next 10 years may look dramatically different from the last 10. Rather than relying entirely on historical property data and traditional investment rules, the conversation focuses on understanding where money is flowing, which industries are likely to thrive, and which locations could benefit from Australia's structural economic changes.

In this episode, we explore:
📌 Why Australia's property market may be undergoing a major reset
📌 How interest rates could reshape businesses, jobs, and investment
📌 The potential impact of AI and automation on employment
📌 Which industries could drive Australia's future economic growth
📌 Why some Australian suburbs and regional cities may outperform others
📌 How employment trends influence housing demand and property prices
📌 The potential winners and losers of Australia's economic transformation
📌 Why investors need to think beyond historical data when making property decisions
📌 How to identify future opportunities across Australia's property market
📌 The ideas behind The Money Map and positioning your finances for the next decade

Australia's future may hold enormous opportunities, but the benefits won't necessarily be shared equally across industries, communities or property markets. Understanding where economic growth is heading could be crucial for investors looking to make more informed long-term decisions.

The big question: Are you positioning yourself for the Australia of the future, or investing based on the rules of the past?

Chapters
00:00–01:02 Australia's Property Market Reset
01:02–02:05 Introducing The Money Map
02:05–03:10 Where the Money and Jobs Are Going
03:10–04:54 Interest Rates and the Economic Reset
04:54–06:17 Rich Australia, Poor Australians
06:17–07:20 Australia's Future Economic Growth
07:20–08:40 Jobs, Industries and Property Investment
08:40–10:00 Unemployment and the Flow of Money
10:00–11:20 Why Old Property Investment Rules Are Changing
11:20–14:44 The Next 10 Years and Australia's Top Property Opportunities

This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Reach out to us at www.australianpropertytalk.com.au

Send us Fan Mail

👉 Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvest

Banks have quietly changed how they assess property investors over the past 9 months or so, and most people haven't noticed. With credit demand down, some lenders are now counting far more of your rental income and accepting higher yields, which means the same portfolio can support more borrowing than it could a couple of years ago.

I sat down with Curtis, the best broker I know, and grilled him on what has actually changed and how advanced investors are structuring their lending to keep buying once they hit the wall with a single household.

In this episode I walk through a simple way to picture how banks assess you, using positive and negative "gaps" for each property and for your household. Curtis explains why stacking every property against your personal income eventually stops working, and how splitting your portfolio across different entities and different lenders turns 1 big problem into several smaller ones you can actually solve. We also break down a real client scenario where moving the owner occupier debt and the equity release into separate entities freed up around $3 million in additional borrowing power.

What you'll learn:
📌 Why some banks, including Westpac and St.George, will now use up to 95% of rental income, compared with the 70% to 80% that used to be standard
📌 How lenders like NAB are now accepting yields up to 7% instead of capping them at 6%
📌 The "gap" framework: how a bank decides whether your household surplus can cover each property's shortfall
📌 Why holding properties in companies, trusts and SPVs can give you back your borrowing capacity
📌 How using different lenders matters, because not every bank treats your income and debts the same way
📌 How an equity release loan held in a separate entity can let you access equity without dragging down future applications
📌 Who this kind of structuring suits, typically self-employed investors on $500,000+ income with $3 million+ in debt

If you want more conversations like this on lending, strategy and the Australian property market, subscribe to Australian Property Talk.

#AustralianPropertyTalk #PropertyInvesting #BorrowingPower #PropertyFinance #AustralianProperty

Chapters
00:00 Intro
01:21 Banks now taking up to 95% of rental income
02:56 The gap framework: how banks see each property
04:40 Higher yield caps: 7% instead of 6%
05:49 Can you afford the gap? Your household surplus
07:15 Hitting the wall with 14 properties
09:03 Splitting negative gaps across entities
10:01 No income but asset rich? Private banking
12:19 Client case study: moving owner occupier debt into an SPV
14:21 Spreading the load across different lenders
15:15 Who this strategy suits
16:38 Using an equity release loan in a separate entity
18:22 Where lending strategy meets property strategy
20:04 Investor broking is now a game of chess
21:58 How to speak with Curtis

This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate.

Reach out to us at www.australianpropertytalk.com.au