Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

Commercial property is suddenly attracting a great deal more attention from investors.
 
Following the recent Federal Budget changes, some residential property investors are looking at warehouses, offices and shops and wondering whether commercial property offers a safer tax environment, stronger cash flow and a better way forward.
 
On the surface, the numbers can look very attractive, but by the end of this show, you're going to understand the real differences between commercial and residential property, the risks that most residential investors never see coming until it's too late, what's actually driving capital growth in commercial and industrial property right now, and most importantly, where commercial property fits, and doesn't fit, in your wealth creation journey.
 
Today I'm joined by Brett Warren, National Director at Metropole and someone who's helped hundreds of investors work through exactly this decision.
 
We unpack how recent tax changes are pushing some buyers toward higher-yield assets, but also why yield alone can be misleading.
 
We explore the key differences between commercial and residential property, especially how leases, tenants, and business conditions shape performance.
 
We discuss why industrial property is benefiting from e-commerce, logistics demand, and scarce well-located land.
 
We finish by showing where commercial property fits in a broader wealth strategy, and why timing, structure, and risk management matter most.
 
Takeaways 
 
• Commercial property can lift cash flow, but higher income usually comes with greater risk.
• Residential property generally suits wealth accumulation through long-term capital growth first.
• Commercial values depend heavily on rent, lease quality, and tenant strength.
• Vacant commercial premises can reduce income and also drag down capital value.
• Longer leases can provide certainty, but they also delay rent resets to market.
• Many commercial tenants pay outgoings, which improves net income for owners.
• Good commercial purchases often need larger deposits and stricter lending terms.
• Specialised buildings can be harder to re-lease when a tenant moves out.
• Industrial property is gaining momentum because warehousing demand keeps rising.
• Strong due diligence matters because the tenant's business becomes part of your investment risk.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.PropertyTrivia.com.au/
·        Win a hard copy of How To Grow A Multimillion-Dollar Property Portfolio In Your Spare Time.
·        Everyone wins a copy of a fully updated property report.
 
Michael Yardney
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.
 
 
Brett Warren - National Director of Property at Metropole.
 
Subscribe to Brett's weekly live property market update on YouTube, The Market Room.
 
Get a bundle of free reports and eBooks: 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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

Is now the right time to invest in property… or should you wait?
 
Everyone wants to buy at the bottom and sell at the top. But what if trying to time the market is actually sabotaging your wealth?
 
Today I'm joined by Joseph Ballota to discuss whether timing the property market is a good idea.
 
And by the end of this episode, you'll understand why long-term investors don't try to pick the cycle… they build wealth across multiple cycles.
 
Joseph and I discuss why trying to time property markets usually backfires, especially when headlines are loud and confidence is shaky.
 
We unpack how property moves in cycles, and why short-term fear can distract investors from long-term wealth creation.
 
I share why there's rarely a perfect time to buy, and why being financially ready matters more than waiting for ideal conditions.
 
We look at how different markets and suburbs behave differently, even when the broader market looks weak.
 
I also explain why quality assets, strong fundamentals, and patience matter far more than chasing the exact bottom of the cycle.
 
Takeaways 
 
• Property markets move in cycles, so short-term fear often obscures long-term opportunity.
• Waiting for perfect timing usually means missing strong buying opportunities entirely.
• Different suburbs perform differently, even during the same broader market downturn.
• Owner-occupied, affluent areas usually hold value better than investor-heavy suburbs.
• Strong population growth keeps demand high in Brisbane, Perth, and Adelaide.
• Tight rental markets can lift rents even while property prices temporarily soften.
• Borrowing capacity matters, but confidence usually drives the next market recovery.
• Quality assets compound over decades, making timing less important than selection.
• Counter-cyclical investing sounds smart, but fear stops many investors from acting.
• Strategic planning helps investors avoid emotional decisions and build lasting wealth.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.PropertyTrivia.com.au/
·        Win a hard copy of Negotiate Influence Persuade.
·        Everyone wins a copy of a fully updated property report.
 
Michael Yardney
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us
 
 
Joseph Ballota, Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/joseph-ballota/
 
Get a bundle of free reports and eBooks: 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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten.
 
And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it.
 
So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you?
 
By the end of this episode, you'll know exactly what the man leading the opposition to these changes thinks should happen instead.
 
You'll know whether a change of government would genuinely wind back negative gearing and CGT reform, or whether that's politically unrealistic once the changes are locked in. 
 
And you'll understand where the real blame sits for the property market slowdown, because it's not as simple as the headlines make out.
 
My guest today is the Hon Tim Wilson, the Federal Member for Goldstein and Australia's Shadow Treasurer and in this episode I'm speaking with him about what the recent tax and housing changes mean for property, business, and retirement outcomes.
 
We unpack how government debt, rising taxes, and weaker private investment are reshaping Australia's economic outlook.
 
Tim explains why policy uncertainty is damaging confidence for property investors, business owners, and overseas capital.
 
We discuss how changes to negative gearing, capital gains tax, and trusts could lift rents and deter new housing supply.
 
We also explore why a growth-focused, small-business-led economy is, in Tim's view, the best path forward.
 
Takeaways 
 
• Government debt today becomes tomorrow's taxes, squeezing household spending and future investment choices.
• Inflation erodes living standards by lifting supermarket prices while wages and productivity struggle to keep pace.
• Public-sector job growth can crowd out private enterprise, weakening long-term economic resilience and innovation.
• Higher taxes on property investment reduce rental supply, pushing rents upward for tenants.
• Tax changes that hurt housing feasibility discourage builders, slowing new dwelling construction across the market.
• First-home buyer schemes can unintentionally inflate entry-level prices by boosting demand faster than supply.
• Retrospective rule changes destroy investor confidence, making long-term capital allocation far riskier.
• Trust tax reforms may trigger costly restructures, wasting time and money across the economy.
• Prioritising super over home ownership delays deposits, family formation, and wealth-building for younger Australians.
• Small businesses drive productivity and hiring, so backing them supports broader economic growth and opportunity.
 
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
 
Michael Yardney – Subscribe to my Property Update newsletter here.
 
Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.
 
 
Hon Tim Wilson – Shadow Treasurer https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=IMW
 
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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

July has delivered the clearest evidence yet that Australia's property market has changed direction, but the headline figures only tell part of the story.
 
Capital city house prices fell by 1.5 per cent over the month, the sharpest national decline since August 2022, while Sydney recorded a particularly significant fall of 2.7 per cent.
 
Melbourne house prices are now almost 6 per cent lower since the beginning of the year, and prices also declined across Brisbane, Adelaide, Perth and Darwin during July.
 
Yet look beneath those monthly figures and Australia still has several very different property markets moving at different speeds, with units holding up better than houses nationally, despite some substantial monthly falls in individual capitals.
 
So, are these July figures simply the result of the usual winter slowdown, amplified by higher interest rates and reduced confidence, or are they signalling a more serious downturn?
 
That's what I'm ask Dr. Andrew Wilson, in today's show as we discuss the latest housing market movements and what they mean for buyers and investors.
 
We unpack how winter conditions, higher rates, and weaker confidence have slowed activity across the capital cities.
 
We look at why Sydney and Melbourne are underperforming, while Perth, Brisbane, and Darwin remain remarkably resilient.
 
We also explore why units are holding up better than houses, especially in markets with stronger underlying demand.
 
Finally, we discuss rents, inflation, and the Reserve Bank outlook, then finish with a long-term view on opportunity in the downturn.
 
Takeaways 
 
• Capital city house prices fell 1.5 percent, signalling a broader winter slowdown.
• Sydney's sharper decline reflects weaker clearance rates and softer buyer demand.
• Melbourne and Sydney are lagging because premium segments are correcting faster.
• Perth, Brisbane, and Darwin still show strong annual growth momentum.
• Units are outperforming houses because affordability keeps buyers in that market.
• Low vacancy rates are keeping rental pressure high across most capitals.
• Higher rents increase cash flow pressure for tenants and improve investor yields.
• Strong employment is supporting housing demand despite market uncertainty.
• Rising electricity costs are adding inflation pressure and influencing Reserve Bank decisions.
• Longer term investors can benefit when uncertainty reduces competition and improves negotiation power.
 
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
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.
 
 
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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

You've probably heard the media, politicians and economists talking about "the inflation rate" as though every Australian is experiencing the same increase in their cost of living.
 
But the official CPI figure may bear little resemblance to what is happening in your household.
 
Because here's the uncomfortable truth. That headline number is an average. It's a blend of everything from lettuce to laptops, and if your money goes on housing, health care, insurance and electricity rather than imported gadgets and clothing, your real cost of living has probably been running well above what the news is telling you.
 
Today we're going to pull that number apart. We're going to look at who actually suffers the highest inflation in this country, why government policy is doing more damage to your cost of living than any war or supply shock, and why understanding your own personal inflation rate matters just as much to your wealth-building strategy as your choice of property.
 
By the end of this episode you'll know exactly where you sit on what my guest calls the inflation pyramid, which categories of spending are quietly eating your returns, and why housing costs in particular have become one of the clearest examples of government-made inflation in the country.
 
My guest today is Ashley Owen, Principal of Owen Analytics and one of the most respected independent economists and investment analysts in Australia.
 
Takeaways
 
• Official CPI figures hide big differences between household spending patterns and real cost pressures.
• Renters face stronger inflation because more of their budget goes to utilities, taxes, and housing costs.
• Government-driven costs push housing inflation higher through taxes, regulation, and construction bottlenecks.
• Imported goods often offset inflation, but local services keep rising through wage and productivity pressures.
• Insurance, healthcare, and education climb faster because they rely heavily on expensive Australian labour.
• Personal inflation rates matter more than averages when planning retirement withdrawals and long-term cash flow.
• Higher inflation erodes mortgage balances over time, benefiting borrowers who own quality assets.
• Delayed rate cuts and political spending can keep interest rates higher for longer.
• Land scarcity in concentrated cities pushes up property values and construction costs.
• Wealth plans must outperform inflation or purchasing power steadily shrinks over decades.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.propertytrivia.com.au/
•        Win a copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.
•        Every entry receives a copy of a fully updated Michael Yardney Property Report.
 
Michael Yardney – Subscribe to my Property Update newsletter here.
 
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.

 
Ashley Owen, Director of Owen Analytics https://www.owenanalytics.com.au/
 
Articles mentioned in the podcast:
 
·        Housing inflation higher than CPI
https://www.owenanalytics.com.au/2026jul20-housing-inflation
 
·        What's your personal inflation rate?
https://www.owenanalytics.com.au/2026jul14-infl-categ
 
 
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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
 
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au