The Follio Property Podcast

Book Your FREE Investment Assessment 👉: https://follio.com.au/contact-us/📊 National Investment Report: https://441711975.hs-sites-ap1.com/follio-property-podcast-content-subscriber?utm_source=YouTube&utm_medium=newsletter&utm_campaign=Episode+67&utm_id=podcast While mum and dad investors freeze in fear, experienced property buyers are quietly loading up on Australian properties right now. In this episode, Reece Beddall and Lachlan Delahunty reveal exactly where smart money is flowing, which cities are at the bottom of the cycle, and why the current panic is the biggest opportunity in property investing Australia has seen in years.Australia's property market in 2025 is not one market. It is a story of two completely different economies playing out at the same time, and the investors who understand the data are already positioning themselves ahead of the curve.From the tightest vacancy rates in Perth's property history to Melbourne's record-breaking rental growth setting up a major price resurgence, the data tells a story that the headlines are getting completely wrong. For anyone serious about real estate Australia-wide, this is the intelligence you need before making your next move.Whether you are exploring property investment strategies Australia-wide, looking for your first investment property in Australia, or trying to understand how to invest in property in the current climate, this episode gives you the full picture. VALUE BREAKDOWN✅ Why experienced investors with multiple properties say this is one of the best buying windows in a decade ✅ Perth property market: 12% annual growth, 0.5% vacancy rate, and why the supply imbalance is not going away ✅ Melbourne at the bottom of the property cycle with the highest rental yields in Australia ✅ Brisbane and Adelaide are approaching peak signals and what that means for investors buying now ✅ Why yield and cash flow have overtaken capital growth as the top priority for Australian property investors ✅ How the Federal Budget shifted investor confidence in every state except one ✅ The 6 to 12-month rental-to-price correlation that predicts which markets are about to move ✅ Why Sydney auction clearance rates in the low 40s are a warning signal buyers must not ignore TIMESTAMPS: 00:00 Prices Are Falling, How Bad Will It Get?03:22 The Sentiment Data Nobody's Talking About05:12 Smart Money vs. First-Time Investors06:56 The Two-Speed Economy: Winners & Losers09:26 Adelaide Has Peaked, What Comes Next10:45 Melbourne's Surprise: Best Rental Market in Australia13:47 Why Yield Is Now King (And Sydney Is in Trouble)15:23 The 4% Yield Threshold Every Investor Needs to Know16:06 Investor Lending Up 40% And The Policy CrackdownAbout the Follio Property Podcast Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property investing. From market cycles to debt, strategy, and data, we make property simple.📍Visit Our Website: https://follio.com.au/📩 Contact Us: [email protected]📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok: https://www.tiktok.com/@folliopropertypod Spotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLywLachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/ If you enjoy the episode, hit Like, Subscribe, and Comment to support the channel and join the conversation.#AustralianPropertyMarket #NegativeGearing #RealEstateAustralia #PropertyInvestment #Budget2026 #RentCrisisAustralia #HousingAffordabilityAustralia #CapitalGainsTax #RealEstateInvesting #AustralianHousingMarket2026 #FirstHomeBuyer #PropertyPodcast #PropertyInvestor #FollioPropertyPodcast #InvestmentPropertyDisclaimer: This is for entertainment purposes - not financial advice. Speak to a qualified professional before making any financial or property decisions

🚨Aussie Property Investors: Get our free 2026 Budget Report covering what could happen next to rents, prices, and the property market (prepared by leading property researchers and investment experts.)Download free: https://441711975.hs-sites-ap1.com/follio-property-podcast-content-subscriber?utm_source=YouTube&utm_medium=newsletter&utm_id=Episode+66🚨 Budget 2026 just changed EVERYTHING for Australian property investors. Rents are about to surge 30%... and prices are about to explode.Negative gearing is gone. CGT is restructured. And if history repeats and the data says it will, the Australian property market is entering its most volatile period since 1985.In this episode, Reece Beddall and Lachlan Delahunty cut through the political noise with hard data and zero opinion. Drawing on $687M+ in real property transactions and two of the most powerful historical case studies in Australian real estate, the 1985 Hawke-Keating era and New Zealand's 2021 experiment, they reveal exactly who wins, who loses, and the only property investment strategy that survives Budget 2026.This isn't commentary. This is the data most property experts won't show you.The last time Australia scrapped negative gearing, rents surged 30% in capital cities within 2 years. Sydney and Brisbane prices jumped 60%. Perth hit 100%. New Zealand did the same in 2021, and rents rose 30% before the policy was reversed in 2023. The pattern is undeniable.
For mum-and-dad investors relying on the old "buy, hold and hope" model, this budget is a wakeup call. The gap between sophisticated investors and passive ones just got significantly wider. The question is: which side are you on?VALUE BREAKDOWN✅ Why Budget 2026 is the single biggest shift in Australian real estate in 40 years✅ The New Zealand & 1985 Australia case studies and what they predict for rents and prices RIGHT NOW✅ Why outer fringe and new-build investors face the highest risk under the new rules✅ The death of the "buy, hold and hope" strategy and the sophisticated approach that replaces it✅ Why blue-chip locations (5–20km from CBD) are now non-negotiable for capital growth 🕐 TIMESTAMPS 0:00 Intro: Why Budget 2026 changes everything05:25 What actually changed: Negative gearing & CGT explained simply09:37 The New Zealand case study: 30% rent surge in 2 years11:32 The 1985 Australia case study: Sydney +60%, Perth +100%14:36 The danger zones: outer fringe and new builds18:42 Who will lobby to reverse this, and your investment timeline20:43 CGT deep dive: the $42K tax reality on a $700K gain24:38 The death of the lazy investor, what replaces buy, hold and hope25:09 The winning strategy: blue-chip, infill, landlocked
About the Follio Property Podcast Each week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.📍Visit Our Website: https://follio.com.au/📩 Contact Us: [email protected]📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok: https://www.tiktok.com/@folliopropertypod Spotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLywLachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/#AustralianPropertyMarket #NegativeGearing #RealEstateAustralia #PropertyInvestment #Budget2026 #RentCrisisAustralia #HousingAffordabilityAustralia #CapitalGainsTax #RealEstateInvesting #AustralianHousingMarket2026 #FirstHomeBuyer #PropertyPodcast #PropertyInvestor #FolioPropertyPodcast #InvestmentPropertyDisclaimer: This is for entertainment purposes - not financial advice. Speak to a qualified professional before making any financial or property decisions

📥 FREE DOWNLOAD: 2026 Budget Property Investor Report: https://441711975.hs-sites-ap1.com/follio-property-podcast-content-subscriber?utm_source=YouTube&utm_medium=newsletter&utm_campaign=Episode+65&utm_id=podcastThe 2026 Federal Budget just changed the rules for every property investor in Australia and most people have NO idea what it actually means for their borrowing power, their capital gains, or their next move in the investment property Australia game.The Federal Budget has delivered some of the most significant shifts to property taxes Australia has seen in decades, and if you own, plan to buy, or are currently building a Property portfolio, you need to understand what has changed and what it costs you.Negative gearing in Australia just got gutted for established properties. Capital gains tax on property in Australia now comes with a mandatory 30% minimum rate, replacing the old 50% discount with inflation-adjusted indexation. And for investors on a $150,000 salary? Your borrowing capacity just took a $350,000 hit.But here's what the headlines won't tell you: this budget doesn't kill Australian real estate investment, it reshapes it. Smart investors are already pivoting to units, infill developments, and the "accidental landlord" strategy that the budget accidentally made MORE powerful. Reece and Lachlan expose exactly where the opportunities are hiding, which markets are about to get smashed, and why the property market in Australia is about to split into two very different worlds, one for those who adapt, and one for those who don't.If you're a first-home buyer in Australia, a seasoned investor, or sitting on an existing portfolio, wondering what to do next, this is the most important 40 minutes you'll spend this year.In this episode, we’ll cover:✅ Why Labor's budget could slash your borrowing capacity by $200K-$700K✅ The END of negative gearing on established properties, what it really means✅ How the new 30% minimum capital gains tax rate targets retirees and self-funded investors00:00 The 3 Budget Changes That Hit Property Investors Hardest02:20 Grandfathering Rules Explained: Is Your Existing Property Safe?05:16 Who Are the Real Losers? The Serviceability Problem07:24 The New 30% Minimum Capital Gains Tax Rate08:06 How Retirees Just Got Blindsided by This Budget13:38 Existing Investors Grandfathered Indefinitely, Here's What to Do15:59 New Builds: Still Viable or a Construction Cost Trap?22:07 The Duplex & Infill Development Opportunity Nobody's Talking About32:23 Regional Markets Are Getting Smashed. Here's Why32:27 Why Units & Apartments Are Set to Outperform Houses34:40 The SMSF Loophole the Budget Left Wide Open35:18 Why You Need a Property Valuation Before July 2027About the Follio Property Podcast Each week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.📍Visit Our Website: https://follio.com.au/📩 Contact Us: [email protected]📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok: https://www.tiktok.com/@folliopropertypod Spotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLywLachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/#AustralianPropertyMarket #InvestmentPropertyAustralia #FederalBudget2026 #NegativeGearingAustralia #CapitalGainsTax #AustralianRealEstate #PropertyInvestorAustralia #AustralianHousingMarket #PropertyTaxAustralia #FirstHomeBuyerAustralia #AustralianRealEstateInvestment #PropertyMarketAustralia #LabourBudget2026 #PropertyStrategyAustralia #WealthCreationAustraliaDisclaimer: This is for entertainment purposes - not financial advice. Speak to a qualified professional before making any financial or property decisions

The Federal Budget 2026 has just landed. Negative gearing on established property is gone, CGT changes are confirmed, and trust taxation is on the table. Reece and Lachlan watched it live, and this is their immediate, unfiltered reaction — what it actually means, who it really affects, and where the smart money goes from here.This isn't doom and gloom. It's a clear-eyed breakdown of a mixed budget, with early thoughts on how sophisticated investors adapt and where opportunity still exists.More detail is coming. A full Q&A episode drops Thursday. But if you want to understand the landscape before the noise takes over, start here.🎯 What's Covered In This Episode✅ What actually changed: negative gearing restricted to new builds, CGT indexation overhauled, trust taxation flagged✅ The grandfathering rules explained — if you've contracted a property before tonight, here's what it means for you✅ Why Lachlan believes negative gearing through company and trust structures may still be accessible — and what to watch in the next 48 hours✅ The borrowing capacity hit: how losing negative gearing could cost younger investors $200K to $700K in serviceability✅ Is this the end of the rentvestor strategy? Lachlan's answer might surprise you✅ Why CGT changes now apply across all asset classes — not just property — and what that means for Gen Z and millennial investors in shares and crypto✅ The flight to quality: why blue chip established property is set to outperform, and which markets are now at risk✅ Why regional and fringe investment areas like Townsville and Gladstone could be hit hardestTimestamps:00:00 Live Reaction: What Just Happened in the 2026 Budget01:30 Who Are the Winners and Losers?02:05 Grandfathering Explained — What It Means If You're Already in the Market03:45 Negative Gearing Restricted to New Builds: The Real Impact07:00 Can You Still Access Negative Gearing Through a Trust or Company?10:20 CGT Changes: Broader Than Expected, Hitting Every Asset Class12:20 The Borrowing Capacity Hit: $200K to $700K Less Serviceability15:00 Flight to Quality — Where Smart Money Moves Now17:30 The New Build Trap: Don't Get Spruiked18:30 What to Expect ThursdayKey Themes:🔸 Budget Reaction🔸 Negative Gearing Restricted🔸 CGT Overhaul🔸 Flight to Quality🔸 Borrowing Capacity Impact🔸 Smart Investor StrategyEach week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.About the Follio Property Podcast Each week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.📍Visit Our Website: https://follio.com.au/📩 Contact Us: [email protected]📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/TikTok: https://www.tiktok.com/@folliopropertypod Spotify: https://open.spotify.com/show/4Akt4N53zsb4ldzFNlTwad?si=AFEgYOAiSh2QGbK8AfFLywLachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/#AustralianPropertyMarket #RealEstateAustralia #FederalBudget2026 #PropertyInvestmentAustralia #FirstHomeBuyerAustralia #AustralianHousingMarket #NegativeGearing #CapitalGainsTaxAustralia #AustralianRealEstate #InterestRatesAustralia #AustralianPropertyInvesting #PropertyMarketAustralia #LaborBudget2026 #HousingAffordabilityAustralia #InvestmentPropertyAustraliaDisclaimer: This is for entertainment purposes - not financial advice. Speak to a qualified professional before making any financial or property decisionsTrack: MoodMode - Upbeat Hip Hop Boom Bap Background MusicMusic provided by MoodMode

Access our national Investment Report: https://441711975.hs-sites-ap1.com/follio-property-podcast-content-subscriber?utm_source=YouTube&utm_medium=newsletter&utm_campaign=Episode+63&utm_id=podcastJoin the portfolio management waitlist: https://follio.com.au/portfolio-management/
Stop guessing and start localizing your strategy before the 2026 rental crisis tightens its grip.
Are you one of the millions of Australians quietly drowning in mortgage debt and nobody is telling you the real reason why? In this episode of the Follio Property Podcast, leading mortgage broker Chris Bates exposes the single lending mistake that locks Australian homeowners into financial traps for over a decade and what the government's tightening rules are quietly doing to your property investment future.

If you own property in Australia, or plan to, this is the most important conversation you'll watch this year. The Australian property market is shifting fast, and the rules of real estate investing have changed dramatically. Borrowing capacity has collapsed from 14x income to just 5x, vacancy rates sit at a brutal 1%, and thousands of homeowners are now mortgage prisoners, trapped with lenders like Pepper Money and Liberty Financial, unable to refinance, unable to sell without losing everything.

Chris Bates has spent his career advising homeowners, first home buyers, and seasoned investors on how to navigate one of the most complex home loan environments in Australian history. His core warning: "Property is as much a debt game as it is a property game." If you don't understand how to protect your borrowing capacity, your most valuable financial asset, the market will punish you.

This isn't doom and gloom. It's the financial literacy blueprint that separates the investors who ride the wave from the ones who get wiped out by it.

🎯 In This Episode You'll Discover:
✅ The #1 mortgage mistake that creates "mortgage prisoners" and how to avoid it at all costs
✅ Why overleveraging your home loan could set your property investment back a full decade
✅ The hidden danger of non-bank lenders (Pepper, Liberty) and what happens when credit tightens
✅ How to protect your borrowing capacity like "gunpowder" and when to use it strategically
✅ Why first home buyers in Australia are making the same catastrophic mistake repeatedly

Timestamps:
00:00 The Brutal Truth About Mortgage Debt
02:00 Why Most Mortgage Advice Is Broken
08:10 Property Is a Debt Game, Not a Property Game
09:30 How Lending Collapsed From 14x to 5x Income
15:25 Mortgage Prisoners: Trapped With No Way Out
18:50 SMSF Warning: The Regional Asset Trap
20:55 Social Media Gurus & The ASIC Crackdown
24:50 The Rental Crisis Nobody Is Talking About
27:55 Government Schemes & What They're Really Doing to Prices
28:55 Final Thoughts & Wrap Up

Follow Chris Bates:
LinkedIn:https://www.linkedin.com/in/christopherbates/
Business: https://www.alcove.com.au/
Each week, Reece Beddall & Lachlan Delahunty break down the biggest conversations shaping Australian property. From market cycles to debt, strategy, data, and real-world insights, we make property simple, honest, and practical.

📍Visit Our Website: https://follio.com.au/
📩 Contact Us: [email protected]
📲 Follow Us on Social:Instagram: https://www.instagram.com/folliopropertypod/
TikTok: https://www.tiktok.com/@folliopropertypod
Lachlan Delahunty: https://www.linkedin.com/in/lachlandelahunty/
Reece Beddall: https://www.linkedin.com/in/reece-beddall-294557b3/
#AustralianPropertyMarket #MortgageDebt #PropertyInvestmentAustralia #FirstHomeBuyer #RealEstateAustralia #MortgageBroker #HomeLoans #RentalCrisis #AustralianPropertyInvesting #RealEstateInvesting #BorrowingCapacity #MortgageStress #PropertyInvesting #CapitalGrowth #FolioPropertyPodcast
Disclaimer: This is for entertainment purposes - not financial advice. Speak to a qualified professional before making any financial or property decisions