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The Property Couch

The Property Couch

By: Ben Kingsley Opti & The Couch Crew
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Summary

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/

© 2026 The Property Couch Economics Personal Finance
Episodes
  • 623 | Mortgage Squeeze? How to Find Breathing Room in Your Budget

    623 | Mortgage Squeeze? How to Find Breathing Room in Your Budget
    Nov 12 2026

    Using a simple estimate based on a steady $800,000 mortgage balance, a 1.25 percentage point rate rise adds $10,000 a year in interest.

    That’s a big hit to the household budget.

    It can also put bigger decisions on the table, like whether to sell an investment property or extend a loan term.

    🛋️ In Episode 623 of The Property Couch, Ben is joined by Couch Crew members Luke Oxenham and Ben Thompson to discuss the numbers they’d look at before making those life-changing calls.

    Together, we cover household expenses, cash buffers, offset accounts and the trade-off between lower minimum repayments today and more interest over time.

    Plus, Luke shares how he’s thinking about his own mortgage while preparing for a home upgrade.

    🎧 If your savings buffer is shrinking or you’re wondering whether your home loan still fits your plans, listen now!

    FREE STUFF MENTIONED

    • 🎥 Free Webinar Replays
      Where does your money go each month? Watch How to Make Your Money Work Harder for practical ways to find more breathing room in your budget.
      👉 Watch the free replay and grab the slides

    Moorr Features:

    • 🏦 Open Banking
      Ever opened three banking apps just to see where your money went? Open Banking brings all your transactions together inside Moorr.
      👉 Join the Open Banking waitlist
    • 🎯 Dynamic MyGoals
      A home upgrade, a holiday or a bigger cash buffer. Which could you afford first? See how moving one goal forward changes the timing of the others.
      👉 See which goals you can afford in Moorr
    • 💸 Money Stretch
      If your income dropped tomorrow, how many months would your savings cover? Money Stretch helps you put a number on it.
      👉 Test how long your cash buffer could last
    • 📘 Make Money Simple Again
      Curious about the seven-day float Ben Thompson swears by? The free Money SMARTS ebook shows you how to set up a weekly spending allowance you can keep track of.
      👉 Get the free ebook in Moorr’s Knowledge Centre


    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:
    - How to Build a Property Portfolio and Retire on $2,000 a week >>

    FREE BEST-SELLING BOOKS:
    - The Armchair Guide to Property Investing
    - Make Money Simple Again

    FIND US HERE:
    - Website
    - Instagram
    - Facebook
    - Youtube
    Show More Show Less
    52 mins
  • Surviving the Property Downturn: Here’s what you can do. | Tuesdays

    Surviving the Property Downturn: Here’s what you can do. | Tuesdays
    Nov 10 2026
    Helpful resources for you in these tough times:🏡 Sell, Hold or Buy? Webinar: Know your options before making your next property move. https://thepropertycouch.com.au/webinar-sell-or-buy/💰 Money & Mortgage Webinar: Make your money work harder and find more breathing room in your budget. https://thepropertycouch.com.au/webinar💸 Moorr Cashflow Breakdown: See exactly where your money goes. https://www.moorr.com.au/household-cash-flow-diagram/🎯 Moorr Dynamic MyGOALS: Prioritise your goals and see what's achievable. https://www.moorr.com.au/mygoals 🏠 Moorr Property Value Estimate: Find out what your property could be worth today. https://www.moorr.com.au/property-value-estimate/ Moorr Open Banking Waitlist: https://www.moorr.com.au/openbanking---Interest rates are rising. Property prices are under pressure. And for some investors, the fear of missing out (FOMO) is quickly becoming the fear of NOT getting out (FUNGO). 😬 But before you panic, sell your property or make your next big move, Ben Kingsley has an important message: Tough times call for clear thinking, not knee-jerk decisions. In this week’s Tuesday episode, Ben gets a few things off his chest. From property spruikers and misleading market predictions to the importance of quality assets and long-term thinking, he unpacks what's happening in Australia's property market and, more importantly, what you can do about it.You'll discover:Why good advice and a convincing sales pitch are NOT the same thing.How to assess whether your investment property is worth holding.Why reviewing your household spending could be more important than ever.Where opportunities could emerge for patient, long-term investors.Practical ways to strengthen your cash flow and financial resilience.Because while you can't control interest rates or property prices, you CAN control your spending, your decisions and how prepared you are for what comes next.🎧 Tune in for some perspective, practical insights and a timely reminder to stay focused on the bigger picture. --- ⏱️ TIMESTAMPS00:00 – Ben Gets on His Soapbox!00:17 – The Fifth Rate Rise: What Now?00:51 – What Fuelled the Property FOMO?01:25 – From FOMO to FUNGO01:49 – Good Advice or a Sales Pitch?02:38 – Predictions vs Prophecies04:33 – 3 Questions Every Investor Should Ask05:03 – Confidence ≠ Credibility06:43 – The Risk of Poor Locations07:07 – Could Interest Rates Rise Again?08:29 – Should You Sell or Hold?10:36 – Buying Quality in a Downturn12:00 – Where Could Opportunities Emerge?12:30 – Why Melbourne Might Be Different13:05 – Take Control of Your Cash Flow13:30 – NEW: Moorr Cashflow Breakdown14:46 – NEW: Dynamic MyGOALS15:52 – NEW: Property Value Estimate16:29 – What's Next?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:- How to Build a Property Portfolio and Retire on $2,000 a week >> FREE BEST-SELLING BOOKS: - The Armchair Guide to Property Investing - Make Money Simple Again FIND US HERE: - Website - Instagram - Facebook - Youtube
    Show More Show Less
    18 mins
  • The Biggest Insurance Myths Young Australians Believe | FUNdamental Fridays

    The Biggest Insurance Myths Young Australians Believe | FUNdamental Fridays
    Nov 5 2026

    Do young, healthy Australians actually need insurance?

    Many people assume insurance is something to think about later in life.

    But according to financial adviser Chemere Brown, the majority of insurance claims occur between the ages of 25 and 45.

    In this week's FUNdamental Friday, Shane and Chemere unpack some of the biggest insurance myths and explain why many Australians may be underinsured during the years they have the most financial commitments.

    They discuss:

    ✅ Why most claims happen between 25 and 45
    ✅ Why being healthy may actually be the best reason to get insured
    ✅ Income protection explained
    ✅ Common misconceptions about insurance through super
    ✅ Why your future income may be your biggest asset
    ✅ Waiting periods and affordability options
    ✅ Whether savings alone are enough protection
    ✅ Why property investors should review their insurance strategy

    Because your biggest financial risk often isn't what you think it is.

    🏡 Thinking About Buying A Home?

    Watch PRE-Purchase, our free 10-part video series designed to help Australians Prepare, Research and Execute their next property purchase with confidence.

    🎥 thepropertycouch.com.au/prepurchase

    ⏰ Timestamps

    00:00 I'm young and healthy. Why do I need insurance?
    00:25 Meet Chemere Brown
    00:56 Insurance myth #1
    01:26 Why most claims happen between 25 and 45
    01:54 The most common insurance claims
    02:35 Why healthy people should get insured
    03:11 Why risk is often highest between 25 and 45
    03:39 Is insurance inside super enough?
    04:24 The insurance gap most people miss
    04:45 Why your income is your biggest asset
    05:15 If you can only afford one type of cover
    05:59 Tax deductions and insurance
    06:54 Is insurance only for death?
    07:10 Where most claims actually occur
    07:41 Waiting periods explained
    08:40 How waiting periods can reduce premiums
    09:08 Can you just rely on savings?
    09:21 The average Australian savings balance
    09:54 How much emergency savings should households hold?
    10:19 Insurance for property investors
    10:51 Why financial advice matters
    11:13 PRE-Purchase series

    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:
    - How to Build a Property Portfolio and Retire on $2,000 a week >>

    FREE BEST-SELLING BOOKS:
    - The Armchair Guide to Property Investing
    - Make Money Simple Again

    FIND US HERE:
    - Website
    - Instagram
    - Facebook
    - Youtube
    Show More Show Less
    12 mins
All stars
Most relevant
Very practical! Concise, but cover many scenarios. Givers of information and experience. Value you can't buy.

Raising awareness

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These guys are brilliant! I have learnt so much from listening to TPC and I now feel better prepared to take the leap into the property market as an investor. As the wise Ben Kingsley says, knowledge is empowering but only if you act on it!

Fantastic information

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Thanks for being so informative, it’s great to know that anyone can give it a crack and succeed if you apply yourself correctly, to have that information is very empowering.

Thank you

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FINALLY finished EVERY episode... I got onto this podcast late in the game and had 7 years to catch up on!! Proud to say i have worked my way through every single episode from the beginning - even the RBA updates I dont really understand. Bryce and Ben are so easy to listen to, and I often find myself giggling along to their banter as I pull up at work. Interestingly the show has actually made me realise my husband and I don't "need" to invest in property (very lucky couple to have double defined benefit super in retirement). For me this podcast has honestly changed my life, the guest speakers are always interesting and inspirational. They choose down to earth people I find I can relate to, not... Wankers 🤣. I've jumped onto a number of other audiobooks from their recommendations and guests. In the last 12-18 months my mindset has been transformed in relation to finance, career, education, even parenting! Slightly obsessed... My kids even think they know Bryce and Ben because most days they see their faces on the car display. THANK YOU Bryce, Ben and the rest of the team for providing this podcast, you're changing people's lives in more ways than you probably realise.

The lifestyle podcast with a property twist

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