this is property

In this episode, Rach is joined by one of Australia’s top mortgage brokers, Joe Carroll from Sphere Home Loans, to unpack what’s really happening in the lending landscape right now. They discuss:

👉🏾 the current lending landscape as at January 2026
👉🏿 Joe's tips to multi-investors
👉🏻 APRA, DTI limits & what it really means for investors
👉 the trust & company lending shake-up explained
👉🏼 the power of getting valuations and unlocking equity
👉🏽 Joe's tip for first-time property buyers
👉🏾 increased flexibility for self-employed people
👉🏿 rate rise expectations & should you fix?
👉🏻 negotiating your own rate with the bank
👉 Joe's final advice for investors

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.
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In today's episode Rach interviews Ryan* who, after selling his first home at a loss, has methodically rentvested and built up a portfolio worth over $3m across QLD. Ryan walks through every decision, mistake and turning point, touching on:

👉🏾 buying his first home on the Gold Coast in 2009 and selling 5 years later
👉🏿 rentvesting and buying IP 1 in 2018 in Brisbane
👉🏻 buying IP 2 in 2020 in Ipswich
👉 buying IP 3, 4 and 5 in 2022 in Townsville
👉🏿 buying IP 6 in 2024 in Townsville with the long term goal to retire into it
👉🏻 his landlord philosophy
👉 what each property is worth as of December 2025
👉🏽 Ryan's tips for selecting properties and property managers
👉🏿 owning property 6 outright and his ultimate goal for the property portfolio

*Name changed for privacy

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.

John and Rachelle are joined by Geoff Lucas, former CEO of McGrath and The Agency, to unpack what really goes on behind Australia’s real estate industry. They dive into leadership, high-performance culture, market cycles, what needs to improve and how technology and transparency could reshape buying and selling over the next decade.

👉🏼 Geoff's career background
👉🏽 franchise vs boutique real estate models
👉🏾 scaling McGrath & building high-performance culture
👉🏿 leadership lessons for business owners
👉🏻 current property market conditions and what can we expect in 2026
👉 what drives property price growth
👉🏼 supply shortages & immigration
👉🏽 industry transparency & system flaws
👉🏾 the future of real estate & AI
👉🏿 the future of buyers agents & vendor advocacy
👉🏻 best property advice ever received

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.

Today's episode is a mix of clips from episodes this year unpacking how property lending really works, from loan structures and redraw strategies to bank policy changes and valuations. Topics covered:

👉🏾 using redraw from your investment loan to buy ETFs (clip from ep740)
👉🏿 using interest-only IP loans to smash PPOR mortgage faster (clip from ep737)
👉🏻 how accurate is the CommBank Home Hub property valuation? (clip from ep737)
👉 is it a good idea to buy an investment property with cash? (clip from ep746)
👉🏼 Macquarie bank pulls out of trust and company lending (clip from ep745)
👉🏽 Ubank now offers 90% loans with no LMI 😱 (clip from ep745)

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.

Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include:

👉🏿 investment property choice: Sydney vs. regional? (clip from ep731)
👉🏻 claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740)
👉 pay off my property or use equity and invest now? (clip from ep731)
👉🏼 using equity to buy another investment property (clip from ep737)
👉🏽 what data says about choosing location: post-covid shifts & satellite cities (clip from ep 744)

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.