723 interest rate reduction: what now for borrowers, buyers and the property market
Interest rates are dropping, but what does that actually mean for your repayments, your mental game, and your next property move? John and Rachelle unpack the physical and psychological impacts of a falling rate environment, what buyers need to know right now, and the smart (and risky) choices many Aussies are facing. They touch on:👉🏽 how much repayments could drop with more cuts👉🏿 the mental shift of feeling “richer” and its risks👉 when it does make sense to sell an investment property👉🏼 why some investors are holding tight (and why some aren’t)👉🏽 how much your borrowing power may increase per rate cut👉🏾 a warning about fixing your loan right nowNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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.
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34:54
722 top tax tips for property investors (with an accountant)
It’s EOFY, so we’re bringing you a value-packed episode to help investors prep for tax time and plan ahead. Rach is joined by Leah Hall from Lift Accounting to run through her top tax tips, common mistakes to avoid, and the smartest ways to reduce holding costs, boost deductions, and time your sales for maximum benefit. They touch on:👉 top tax tips for property investors👉🏽 how to reduce the real cost of holding property👉🏼 the benefit of a depreciation schedule👉🏾 PAYG variations, prepaying interest & timing sales👉🏿 what to know before refinancing, redrawing or selling👉🏻 structure chat: trust vs personal name vs SMSFDownload the free resources for this episode at https://liftaccounting.au/podcast-packNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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.
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39:07
721 help! my property holding costs are hurting
Property expenses have gone up across the board from interest rates and insurance to council rates and land tax. In this episode, John and Rach share practical ways to manage the cost of holding property, whether you're feeling the pressure now or planning ahead. They cover smart lending strategies, cash flow management, and how to make sure your portfolio is working for you. Note: this episode was recorded before May rate reductions. They cover:👉🏾 switching from principal & interest to interest-only repayments👉🏿 using PAYG withholding adjustments to improve cash flow👉🏻 using separate offset accounts to track property performance👉 using equity or cash to build in a holding cost buffer👉🏼 reviewing your portfolio to identify poor performers👉🏽 understanding the trade-offs between growth and affordabilityNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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.
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36:18
720 buying your first investment property (Q&A)
John and Rachelle go back to basics in this episode, answering common questions about buying your first investment property. From whether to buy a house or a unit, to what kind of loan structure and team you need, they break it all down. Plus, two real-life listener stories that show how different paths into the market can still lead to solid outcomes. This episode covers:👉🏻 how to choose the right type of property👉 house vs unit: what’s better for investing?👉🏽 how much deposit do you really need?👉🏾 interest-only vs principal & interest loans👉🏿 where to invest: close to home or interstate?👉🏻 capital growth vs. rental yield👉 new vs. established properties👉🏼 upfront and ongoing costs to factor in👉🏾 when to consider a trust structure👉🏽 who should be in your property teamThis is a sponsored episode. Find out more at terrischeer.com.au and remember before buying this insurance issued by Terry Scheer, read the PDS and TMD and consider whether it's right for you.Check out John's book, Sort Your Property Out & Build Your Future at sortyourpropertyout.comNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auNeed 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.
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41:41
719 election done, what’s next for property?
The election's over and Labor's locked in for another term, so what does that mean for home buyers and investors? John and Rach break down the key policies on the table and how they could impact the market over the next few years. They cover:👉🏾 universal 5% deposit changes (no income cap!)👉🏿 why January 2026 could trigger a demand surge👉🏻 shared equity scheme pros and cons👉 new builds vs established areas: what to consider👉🏼 build-to-rent incentives and rental market shifts👉🏽 foreign investor restrictions now in effect👉🏾 how interest rate drops could change your borrowing powerNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auCheck out John's investment buyer's agency here: https://www.envisageproperty.com.au/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.
Join John Pidgeon — property investor, coach, buyers’ advocate and author — and Rachelle Kroon, mortgage broker, investor, and founder of Sphere Home Loans, as they dive into all things property. From buying your first home to building a portfolio, they share practical insights, expert advice, and real-world stories. With guests from every corner of the property space, John and Rachelle will help you take your next step with clarity and confidence.Formerly my millennial property. Hosted on Acast. See acast.com/privacy for more information.
Australia