Property Investment, Success & Money | The Michael Yardney Podcast

If you've been watching property prices over the past few years, you've probably noticed some strange trends – massive price rises, unpredictable shifts between cities and regions, and what feels like an endless debate about affordability.   But what if I told you that the last five years of price data might be leading investors astray?   Today, I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who has written a confronting article explaining why the last five years of data are the least reliable in decades.   Together, we'll unpack what's distorted the numbers – from COVID lockdowns and construction cost blowouts to volatile borrowing power and migration swings – and how smart investors can cut through the noise to focus on long-term fundamentals.   Our conversation highlights the significance of local knowledge in making informed investment decisions and the need for a strategic approach to property investment, rather than relying solely on short-term data.     Takeaways  ·         The property market is influenced by various factors, including lending volumes. ·         Rising construction costs have a significant impact on property values. ·         Borrowing capacity has fluctuated due to regulatory changes and interest rates. ·         Migration trends can create pressure on rental markets and property prices. ·         Data analysis in property investment requires both science and art. ·         Local knowledge is crucial for making informed investment decisions. ·         Investors should focus on long-term fundamentals rather than short-term data. ·         Understanding the reasons behind market movements is essential for smart investing. ·         Population growth alone does not guarantee property price increases.   Chapters    01:32 – Why the Last 5 Years of Property Data Can Mislead Investors  04:45 – How Surging Construction Costs Distorted Market Values  09:34 – Borrowing Capacity Shocks and Their Impact on Growth  17:07 – Migration Waves, Rentals and Why Sydney & Melbourne Lagged  23:55 – Work-From-Home, Regions and the Return to Big City Demand  27:26 – Cheap Money, Lending Volumes and Why Long-Term Data Matters   Links and Resources:   Michael Yardney – Subscribe to my Property Update newsletter here   Stuart Wemyss – Prosolution Private Clients   Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/   Stuart's Book – Rules of the Lending Game & Investopoly   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

Most people spend their lives working for money… but what if your money could work for you instead?   In today's show, Brett Warren, national Director of Property at Metropole, and I break down the 10 key lessons from Robert Kiyosaki's book Rich Dad Poor Dad—the book that changed the way millions of people think about wealth.   From the difference between assets and liabilities, to why paying yourself first is the golden rule of financial freedom—we show you how to apply these timeless lessons in today's world.   Our conversation highlights some timeless principles that could guide you  towards financial independence and success.   Takeaways  ·         Financial literacy is essential for wealth retention. ·         Understanding the difference between assets and liabilities is crucial. ·         Emotional intelligence plays a key role in investment decisions. ·         Learning from failure is a pathway to success. ·         Mentorship can accelerate your financial journey. ·         Defining your 'why' helps in making investment decisions. ·         Paying yourself first is a fundamental principle of wealth building. ·         Investing requires a disciplined approach and a strategic plan. ·         Successful investors surround themselves with knowledgeable teams.     Chapters    02:10 – How 'Rich Dad Poor Dad' Changed the Way We Think About Money  05:36 – Assets, Liabilities, and the Power of Financial Literacy  08:31 – Emotions, Risk and Why Most Investors Fail  11:40 – Learning from Mistakes and Building Real Wealth  15:14 – Mindset, Mentorship and the Business of Investing  18:49 – Finding Your Why and Paying Yourself First   Links and Resources:   Answer this week's trivia question here - http://www.propertytrivia.com.au/ ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here.   Brett Warren - National Director of Property at Metropole   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

At this time every year we get flooded with predictions about what's next for Australia's housing markets. Some of them are useful… a lot of them are noise.   But every so often, a report comes along that genuinely moves the needle and helps us see the bigger picture.   Domain's Forecast Report 2026 is one of those.   It paints a pretty fascinating story: record prices in every capital city, rents still on the rise, and perhaps the most powerful first-home buyer surge we've seen in decades.   And it's not just more of the same – the data suggests our markets are shifting into a whole new gear, driven by policies, sentiment changes, and the slow rebalancing of supply.   And there are some interesting twists as to how Domain sees the housing markets play out over the next 12 months.   So today I chat with Dr Nicola Powell, Domain's Chief of Research and Economics, to help us unpack what's really coming in 2026, why this cycle is so different, and what the winners and losers might be.   Takeaways  ·         2026 is expected to be a year of two halves in the property market. ·         First home buyers are returning, aided by government schemes. ·         Investors are also increasing their market share. ·         Interest rates will significantly influence property prices. ·         Sydney is forecasted to lead in house price growth. ·         Affordability remains a critical challenge for buyers. ·         Rental markets are expected to see modest growth. ·         Regional differences in property performance are notable. ·         The cash rate is a key factor in market dynamics. ·         Sustainable growth is preferred over rapid price increases.   Chapters    00:00  Domain's 2026 forecast signals record prices and shifting market forces. 02:01  Key drivers behind the synchronized upswing across all capitals. 03:03  Momentum builds as confidence rises and supply tightens. 05:55  Investors and first-home buyers return, intensifying competition. 07:46  The expanded guarantee scheme reshapes borrowing and demand. 09:38  Rate expectations and affordability caps guide market behaviour.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How to grow a multi-million dollar property portfolio in your spare time. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here   Dr Nicola Powell, Chief of Research and Economics at Domain.   Domain Property Forecast Report:  https://propertyupdate.com.au/?p=192486&   Join us at Australia's Premier Wealth Retreat for Elite Business Investors and Business People on the Gold Coast on May 30th. Find out all about Wealth Retreat here. https://wealthretreat.com.au/     Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. 

You know how every summer Australians wander down to the beach, breathe in the salty air, have a few too many wines, and suddenly convince themselves that owning a holiday home is a brilliant investment strategy?   Well… it isn't. In fact, it's one of the biggest financial traps I see Aussies fall into.   And today, I'm joined by Brett Warren, National Director of Property at Metropole, to unpack all the reasons why holiday homes almost always underperform, why the numbers never stack up, and what smarter investors are doing instead.   Our discussion highlights the risks associated with holiday properties, the necessity of prioritising long-term financial goals, and the current market trends that could impact property investment decisions in the coming years.   Takeaways  ·         Holiday homes often come with hidden costs and risks. ·         Successful investors prioritize essential investments over lifestyle choices. ·         Understanding market trends is crucial for long-term investment success. ·         Emotional decisions can lead to poor investment choices. ·         It's important to evaluate the true costs of owning a holiday home. ·         Investing in high-demand areas can yield better returns. ·         The property market is cyclical, and timing is essential. ·         Strategic planning can help achieve financial goals more effectively. ·         Investors should focus on data-driven decisions rather than emotions. ·         Wealth building requires a long-term vision and strategy.   Chapters  00:10  Why holiday moods lead to bad investment decisions. 05:05  Why holiday towns underperform long-term despite recent spikes. 10:05  Airbnb myths, hidden costs and tax pitfalls investors ignore. 15:05  Volatility, low land value and why holiday homes drag wealth. 20:00  Strategic investing vs lifestyle buying as 2026 market shifts. 24:55  Wealth principles: build assets first, enjoy holidays later.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole to create a Strategic Wealth plan for your needs. Click here and have a chat with us   Brett Warren - National Director of Property at Metropole   Michael Yardney   Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this month's Big Picture Podcast, we step back from the headlines and look at what's really going on beneath the surface in our economy, our property markets, and the world of wealth creation Ken Raiss and I discuss a range of topics of importance to property investors .   Lenders are changing their rules. Rates are sending mixed signals. Tax policy is tightening. The ATO is sharpening its pencils. And to top it off, the ABS has released disturbing new data showing that people with disability are far more likely to be victims of fraud.   None of these issues live in a vacuum. Together, they paint a very different picture of the environment in which investors and affluent families are operating today.   Takeaways  ·         The economic landscape for property investors is shifting rapidly. ·         Lending restrictions are becoming more selective, impacting borrowing capacity. ·         Interest rates are unlikely to decrease in the near future. ·         The ATO is tightening regulations around tax deductions for holiday homes. ·         Land tax changes in New South Wales could increase financial burdens on property owners. ·         Investors should view land tax as a cost of doing business, not a deterrent. ·         Vulnerable populations, especially those with disabilities, are at higher risk of financial fraud. ·         Proper estate planning is crucial for protecting assets and ensuring financial security. ·         Using trusts can be beneficial, but they must be set up correctly to avoid complications. ·         Strategic planning is essential for successful property investment.   Chapters    00:00  Key shifts in lending rules, tax changes and new fraud data. 01:38  Lenders restrict trusts and SMSF borrowing as risk tightens. 03:20  Why misguided "trust stacking" advice caused today's clampdown. 08:12  Fixed rates rise early as markets signal no cuts ahead. 12:40  ATO targets holiday-home deductions and tightens compliance. 17:56  NSW freezes land-tax thresholds, increasing investor exposure.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of What Every Property Investor Needs To Know About Finance, Tax And The Law. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Michael Yardney   Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us     Ken Raiss, Director of Metropole Wealth Advisory     Join Ken Raiss and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.