John and Rachelle answer your questions!

👉 renovate home or buy an investment first?

👉🏼 what type of valuation should I get?

👉🏽 what to ask a buyers agent before you commit

👉🏾 is it a good idea to buy an investment property with cash?

👉🏿 best structure to buy a working farm

👉🏻 have I missed the boat to buy my first IP?

👉 what’s happening in Melbourne property market sub 1M

👉🏼 how much do you need to buy an IP?

👉🏽 how has the FHB scheme affected markets?

👉🏾 how to buy second IP without cash

👉🏿 paying off loans, selling and exit strategies

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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John and Rachelle unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting.

👉🏻 Macquarie bank pulls out of trust and company lending

👉 Ubank offers 90% loans with no LMI

👉🏼 discussing feedback on the boom bust property cycle episode

👉🏽 Glen, Rach and John debate the rentvesting strategy

The boom bust property cycle episode: https://open.spotify.com/episode/61ldDLT57VZCRSKaJ55J8i?si=5a4d2331b87b4ac5

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about:

👉🏾 what Microburbs actually does & who it's for

👉🏻 the most influential data point for choosing a location

👉🏼 the post-covid shift to regions & satellite cities

👉🏽 what to check first when researching a suburb

👉 what gentrification really means for growth

👉🏿 public housing thresholds and it's impact on capital growth

👉🏾 top 3 mistakes investors make when choosing location

👉🏼 supply & demand as the core drivers of growth

👉🏻 how the Microburbs platform is improving

👉 where Luke would invest right now

Check out Microburbs here: https://www.microburbs.com.au/

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about:

👉🏾 assessing their risk profiles and money mindset

👉🏿 using home equity wisely

👉🏻 debt recycling explained

👉 setting clear investment goals

👉🏼 balancing lifestyle with financial growth

👉🏽 borrowing capacity vs what you can handle

👉🏾 finding the right property price point

👉🏿 yield, cash flow & capital growth trade-offs

👉🏻 outsourcing vs DIY property search

👉 next-step action plan & mindset for investors

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Grab John's book Sort Your Property Out & Get Invested: https://www.moneypodcast.com.au/store

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about:

👉 buying her first place at 22 on the Gold Coast

👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash)

👉🏾 managing risk, buffers and surprise expenses

👉🏿 splitting costs and mortgages in a relationship

👉🏽 and her advice for first-time buyers in today’s market

Meg was initially going to buy a 1 bed in Sydney for $570k but instead bought a 2 bed 2.5 bath on the Gold Coast for $600k. The unit in Sydney is now valued at $600k.

Have a question for John and Rachelle? Connect with Rachelle on Instagram: https://www.instagram.com/rachellekroon_money/ or post in our Facebook group: https://www.facebook.com/groups/m3.podcast

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about:

👉🏻 their individual risk appetites

👉 why they've chosen to keep things separate

👉🏼 getting a BFA (binding financial agreement)

👉🏿 the properties they have between them

👉🏽 how they navigate shared expenses

👉🏾 planning for retirement

👉🏻 and their tips for listeners

*Names changed for privacy

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions:

👉🏾 using redraw from your investment loan to buy ETFs

👉🏿 how to document and reset the 6-year CGT rule

👉🏻 claiming travel, tools & repairs for interstate properties

👉 repairs vs improvements - what’s instantly deductible

👉🏼 can you transfer loan splits to a new property after you sell?

👉🏽 depreciation schedules, back-dating returns & renos

👉🏾 CGT rules if you rent where you live & own an investment or move into your investment

👉🏿 renovation deductibility before vs after "available to rent"

👉🏻 redoing your depreciation report after a reno vs giving your accountant receipts

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.

Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle. They discuss:

👉🏾 Darren's background

👉🏿 what the 18.6 real estate cycle is

👉🏻 the four phases of the cycle

👉 where are we in the cycle right now?

👉🏼 should we expect a downturn from 2027?

👉🏾 signs that the market is changing

👉🏿 how can this be used to inform our investing strategy?

👉🏻 tip for a investor preparing for a change in the cycle

👉 recommended reads to learn more

Learn more about Property Share Market Economics here: https://propertysharemarketeconomics.com/

📘 Books mentioned 👇

One Hundred Years of Land Values in Chicago by Homer Hoyt: https://amzn.to/3CjnlD1

The Secret Life of Real Estate and Banking by Phillip Anderson: https://amzn.to/3ICnqLl

Boom Bust: House Prices, Banking and the Depression of 2010 by Fred Harrison: https://amzn.to/4o3ADvK

The Secret Wealth Advantage: How You Can Profit from the Economy's Hidden Cycle by Akhil Patel: https://amzn.to/46OiE5c

Listen to our episode with Cathy Stacey from 2021 here: Listen on Apple Podcast | Listen on Spotify

We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty

Need clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.au

Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.

Hosted on Acast. See acast.com/privacy for more information.