In this Australian Property Podcast episode, your hosts Pete Wargent from Allen Wargent Property Buyers and Chris Bates from the Alcove group mortgage specialists do a deep-dive on the pros and cons of Australia’s immigration program.
Topics covered
– What is a migrant?
– What is Australia’s migration target?
– 2025-26 permanent migration target
– 4 costs of immigration for Australia
– 4 benefits of immigration for Australia
– Internal migration - where and how Aussies are choosing to live?
– Our views - a balanced perspective
Chapters (approximate)
(00:00) Understanding Migration's Impact on Australia
(05:51) Migration Numbers: A Historical Perspective
(12:20) The Pros and Cons of Immigration
(19:08) International Students and Economic Growth
(22:24) The Impact of Skilled Migration on Source Countries
(24:22) Changing Trends in Australian Migration
(26:27) Housing Market Pressures and Delayed Family Planning
(29:06) Demographic Shifts and Housing Demand
(30:08) Targeted Student Migration for Skill Gaps
(33:41) The Role of Immigration in Economic Growth
(38:52) Cultural Diversity and Its Benefits
(41:56) Future of Immigration and Housing in Australia
Resources for this episode
Ask a question (select the Property podcast)
Rask Resources
Pete's Buyers Agency
Alcove mortgage broking
Amy Lunardi Buyers Agency (Melbourne)
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
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48:22
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48:22
Will negative gearing crash the Australian property market?
In this Australian Property Podcast episode, your hosts Pete Wargent from Allen Wargent Property Buyers and Chris Bates from the Alcove mortgages specialists cover the big 3 property news stories of the week.
They also cover some of your questions in the Listener Q&A segment at the end of the show, so stick around for that.
Apart from the latest statistics on population growth and slowing dwelling completions, here is what they discussed:
– Is the 40-year mortgage a route to wealth or a debt trap?
– Is the real estate carry trade a death star?
– 3 ways to future-proof your mortgage repayments?
– Listener Q&A
Chapters (approximate)
(00:00) Introduction
(03:39) Current Market Conditions and Buyer Sentiment
(07:18) Interest Rates and Market Dynamics
(09:59) Housing Supply and Immigration Impact
(12:16) Government Targets and Housing Quality
(14:39) The Future of Housing Development
(17:02) Superannuation and Taxation Changes
(18:42) International Comparisons: New Zealand and Australia
(20:44) 40-Year Mortgages: Pros and Cons
(25:37) The Housing Market Dynamics
(33:56) Future-Proofing Mortgage Repayments
(37:57) Insurance Insights and Strategies
(40:24) Listener Questions
Resources for this episode
Ask a question (select the Property podcast)
Rask Resources
Pete's Buyers Agency
Alcove mortgage broking
Amy Lunardi Buyers Agency (Melbourne)
All services
Financial Planning
Invest with us
Access Show Notes
Ask a question
We love feedback!
Follow us on social media:
Instagram: @rask.invest
TikTok: @rask.invest
DISCLAIMER:
This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG):
https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
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52:24
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52:24
Loans for Business Owners Explained: Solara Financial’s Angelo
In this Australian Property Podcast episode, your host Owen Rask sits down with Angelo from Solara Financial to discuss loans for business owners, tradies, and self-employed Australians. They break down commercial and residential lending, low-doc options, and how to prepare your business for borrowing success.
Topics Covered
– How business and commercial loans differ from standard home loans
– How to prepare your business finances for borrowing
– Understanding low-doc and alternative documentation lending
– Using trusts and structures for property purchases
– Managing business cash flow and finance buffers
Episode Resources
- Learn more about Angelo and Solara Financial here
Rask Resources
– Pete's Buyers Agency
– Alcove mortgage broking
– Amy Lunardi Buyers Agency (Melbourne)
– All services
– Financial Planning
– Invest with us
– Access Show Notes
– Ask a question
– We love feedback!
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): [https://www.rask.com.au/fsg]
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47:47
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47:47
Are investors to blame for the property crisis?
In this Australian Property Podcast episode, your hosts Pete Wargent from Allen Wargent Property Buyers and Chris Bates from Alcove mortgages discuss how the 5% deposit scheme is already impacting the property market, and what the government can do to tackle the record rental shortage.
They also cover some of your listener questions in the Listener Q&A segment at the end.
They cover:
Story 1 – A fairer future for the inner west
Story 2 – Unprecedented demand on first day of FHB scheme
Story 3 – Should greedy property investors be blamed for the housing crisis?
Episode Resources
Melbourne Affordable Housing Strategy 2020-30
What “supply and demand” actually means (Precon Substack)
“First-home buyer scheme is a cruel illusion, say economists” (AFR, 6 Oct 2025)
“Unprecedented demand on day one of first home buyer scheme” (AFR, 1 Oct 2025)
“Should greedy property investors get the blame for our housing crisis” (The Australian)
Rask Resources
Pete's Buyers Agency: https://www.allenwargent.com.au
Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking
Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
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44:46
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44:46
A look at TermPlus
Nehemiah is the Managing Director and CEO of Pengana Credit. Pengana have recently launched a platform called TermPlus. These are term accounts with attractive monthly income.
With TermPlus everything is online, you choose the term you'd like to invest for, deposit your funds and choose to reinvest or take the income. Currently the one year account has a rate of 6.60% and the five year is at 7.75%pa.
The funds are invested in global private credit via Mercer. Locally some may compare it to LaTrobe's term accounts which is invested in domestic mortgages. TermPlus is really good for diversifying away from the Aussie real estate market.
Why is Nehemiah coming on the Property pod? Well, a problem TermPlus solves is where to park cash in between property purchases. This is something Nehemiah has done himself.
What Pete and Nehemiah discussed today
- Nehemiah’s background and career
Questions covered:
1 What is private credit as an asset class? It’s not traded?
2 Who is the team? Group, experience, how long in business? Main shareholders? How much under management?
3 What kind of returns can I really expect? How do you get target rates like this – well above the cash rate - without risky or volatile investments? No free lunches - Duration tolerance? What if I need my money out earlier? Is it illiquid? Can I add to or withdraw from my balance during a Term? What happens at the end of the Term?
4 Banks have a deposit guarantee. You aren’t a bank. Do you eat your own cooking? Is my capital at risk? Have you ever missed a target rate monthly payment? How safe is my money from market crashes? What are the risks?
5 Do I need to be a sophisticated investor to invest in this? Do we need to be able to understand a complicated prospectus?
6 Do you have any customer reviews? Where can we go to read more? How do I manage my account? Are there account fees? Fee structure? How do you get paid?
Rask Resources
Pete's Buyers Agency: https://www.allenwargent.com.au
Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking
Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg
#property #australia
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Australian Property Podcast by Rask is on a mission to be Australia's most trusted property podcast.
Join over 30,000 unique listeners.
The Australian Property Podcast is hosted by four of Australia's top property investors and/or financial educators, including:
Amy Lunardi, buyer's agent and founder of Amy Lunardi Property.
Owen Rask, founder of The Rask Group and investment analyst.
Pete Wargent, six-time author and buyer's agent.
Chris Bates, mortgage broker and founder of Alcove.
SHOW NOTES: https://bit.ly/prop-rask
ASK A QUESTION: https://bit.ly/3QtiY00
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The Australian Property Podcast all about buying, managing and investing in Australian property. If you like property, or just plan to buy, tune in weekly.
Property formats each month - tune into what you love!
Sunday morning property talk (7 am sharp!)
Tuesday afternoon (Q&A and guest interviews)
Thursday afternoon (Education & deep dives)
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Want to get involved? Reach out to our founder Owen Rask on Twitter: https://www.twitter.com/owenrask