John Pidgeon & Rachelle Kroon

this is property

A Investing , Business and Education podcast

#35 in Investing · 🇦🇺 #94 in Business · 🇦🇺

About the show

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.

Newest episodes

844 the 8-point property strategy: what to figure out before you buy

Nov 10, 2026 47 min

In this episode John walks Rachelle through the 8-point strategy he uses with clients as a buyer's agent and talks about in his book, Sort Your Property Out and Build Your Future. They chat about: 👉🏼 capital growth, cash flow and where tax benefits fit 👉🏽 why price starts with what the bank will lend 👉🏾 what yield you need and how to calculate it 👉🏿 why location is important but doesn't come first 👉🏻 house, unit or something in between 👉 buying entities - whose name and what structure? 👉🏼 loan-to-value ratio 👉🏽 the class of property - the shield of your strategy John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

843 Graham and Nicky: 13 properties in New Zealand and the move to Australia

Nov 3, 2026 48 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode John interviews Graham and Nicky, New Zealand property investors who went from a lifestyle block in 2009 to a 13-property portfolio. They unpack how they did it, the mistakes, learnings and what's next as they set their sights on property in Australia. They touch on: 👉🏼 life before investing: the lifestyle block, pig farm and commercial gym1 👉🏽 starting their portfolio pre-COVID and the property that went down in value 👉🏾 turning the pig paddocks into Airbnb glamping cabins 👉🏿 how a strategic mortgage broker helped fast track their portfolio 👉🏻 why they've shifted to an aggressive debt reduction strategy 👉 the relocation to Australia and where to from here 👉🏼 how CGT works in New Zealand 👉🏽 mindset, risk alignment and what the next 5-10 years looks like 👉🏾 takeaways and advice for other investors this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

842 upsizing in a down market: bridging loans, deposit bonds & simultaneous settlements (part 2)

Oct 27, 2026 43 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M John and Rach are back with part two of upsizing in a down market, working through your questions on how to buy and sell at the same time. In this episode they touch on: 👉 what a sunset clause is and when it could work for you or against you 👉🏼 bridging loans and the risks to consider 👉🏽 holding two mortgages or renting short term while you sell? 👉🏾 buy first, sell first, hold both or use bridging finance? 👉🏿 how a deposit bond works, and the risk most people misunderstand 👉🏻 how a simultaneous settlement gets pulled off 👉 keeping your old home as an investment when you upsize Listen: 718 upsizing & bridging loans: are they worth it??? Apple Podcasts | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

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All episodes

The newest 50 of 370 episodes

844 the 8-point property strategy: what to figure out before you buy

Nov 10, 2026 47 min

843 Graham and Nicky: 13 properties in New Zealand and the move to Australia

Nov 3, 2026 48 min

842 upsizing in a down market: bridging loans, deposit bonds & simultaneous settlements (part 2)

Oct 27, 2026 43 min

841 upsizing in a down market: the maths, the psychology & should you sell first? (part 1)

Oct 20, 2026 40 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M We're doing a 2-part series on upsizing and answering your questions! In this episode, Rach and John chat about: 👉🏼 what is considered a down market? 👉🏽 the risks of buying before you sell 👉🏿 should I sell my home and buy acreage and build? 👉🏻 when is a property too large and detrimental to resale value? 👉 how to make a competitive offer without overpaying 👉🏼 navigating the psychology of selling "at a loss" 👉🏽 Rach and John's top tips this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

840 upsizing in Sydney, should we build a duplex, commercial property & sell vs rent out old PPOR

Oct 13, 2026 45 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, Rach and John chat about: 👉🏼 a couple seeking reassurance about whether to upsize 👉 should we build a duplex or buy more investment properties? 👉🏾 they want to keep their original PPOR when they upsize but what do the numbers say? 👉🏿 how does commercial property stack up as an investment following the Budget changes? Listen to episode 838 on commercial property: Apple Podcast | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

839 property investor lending roundtable with two of Australia's top investor mortgage brokers

Oct 6, 2026 1 hr 9 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode Rach sits down with mortgage brokers, Aaron Christie-David from Atelier Wealth and host of the Built Different podcast and Katie Thomas from Focus Finance, who's also been named Australia's #1 residential broker. They chat about what's actually happening with investor lending right now, touching on: 👉🏼 the investor lending landscape right now and how it's changed 👉🏽 what's the outlook for commercial property? 👉🏾 should investors buy now or buy later? 👉🏿 what are sophisticated investors doing right now? 👉🏻 how Katie & Aaron work with clients on strategy and risk management 👉 what happens when serviceability becomes an issue? 👉🏼 can people still build the same portfolios today as they could 10 years ago? Connect with Katie & Aaron below: Katie's IG: https://www.instagram.com/katie_focusfinance/ Aaron's IG: https://www.instagram.com/aaronc_d/?hl=en this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

838 commercial property investing: yields, leases, risks & how to get started with Helen Tarrant

Sep 29, 2026 53 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In today's episode Rach chats with Helen Tarrant, director of Unikorn Commercial Property, one of Australia's leading commercial buyer's agents. Helen has so much experience and knowledge having built a $30M portfolio and helped guide and educate Australians in their commercial property investing journey since 2016. Strap in because this episode is packed with insights and tips! They touch on: 👉🏼 Helen's story - from beauty therapist and law student to now 👉🏽 commercial vs residential - the key differences 👉🏾 types of commercial property and what Helen recommends for beginners 👉🏿 what's the outlook for commercial property in the next 5 years? 👉🏻 how commercial leases actually work 👉 buy a property tenanted or vacant? 👉🏼 average hold times and understanding your strategy 👉🏽 biggest commercial investor mistakes 👉🏾 how commercial lending works Learn more about Unikorn: https://unikorn.com.au/ this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

837 investor lending, 40-year loan terms, changing property managers, selling to a developer + more

Sep 22, 2026 37 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In today's episode John and Rach discuss: 👉🏼 40 year loan terms: banks are pivoting to find ways to improve investor lending 👉🏽 a practical example of how this changes an investor's borrowing power 👉🏾 how often should your property manager inspect your property? 👉🏿 when is it worth switching property manager and how to 👉🏻 how do banks assess genuine savings vs gifted deposit? 👉 a developer wants to buy my apartment, what should I consider? this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

836 Australian property booms, busts & cycles deep dive with Vince Scully

Sep 15, 2026 1 hr 12 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M A Sydney suburb has made headlines falling nearly $600,000 in a year according to the AFR. In this episode John chats with Vince Scully from Life Sherpa to unpack the data and context that isn't mentioned, leading into a wider chat about boom and busts cycles. They touch on: 👉🏼 what the headline doesn't tell us about the Sydney suburb that fell 👉🏽 understanding that there are markets within markets 👉🏾 what happens to property during a downturn? 👉🏿 is the 18.6 year cycle theory legit? 👉🏻 was it easier or harder to buy a house when interest rates were 17%? 👉 where does Vince see the unemployment rate and house prices going 👉🏽 tips for investors 👉🏾 will the property changes be reversed or are they here to stay? Related episodes: 739 the boom bust property cycle explained + where are we now? Listen on Apple | Listen on Spotify 344 timing the market: Listen on Apple Podcast | Listen on Spotify Book 15min free chat with John Pidgeon here: https://www.envisageproperty.com.au/free-consultation Glen James' and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

835 property fear, shares vs property, single parent buying, selling your property + more

Sep 8, 2026 39 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, John and Rach talk about: 👉🏼 the property market outlook for investors following the tax changes 👉🏽 how will the new way of negative gearing work 👉🏾 do I have to get my properties valued before 1 July 2027 and how do I do that? 👉🏿 what is selling the process and how much do I get after tax and expenses? 👉🏻 advice for single parents re-entering the property market this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

834 how to buy your first home: what a buyer's agent wants you to know with Emily Wallace

Sep 1, 2026 35 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Long time listeners will recognise today's guest because Rach is joined by Emily Wallace - former host of This Is Property and director of Wallace Advocates in Melbourne, one of Australia's most trusted buyer's advocates for first and family home buyers. In this episode Em shares a ton of tips on buying your first home, touching on: 👉🏼 what to have in order before you start looking 👉🏽 what buyers think matters (but doesn't) 👉🏾 what buyers often miss that Em always looks for in a home 👉🏿 choosing the right location 👉🏻 managing emotions in the buying process 👉 when and how to negotiate 👉🏼 should you tell an agent your budget? 👉🏾 when to walk away 👉🏼 what does a buyers agent / advocate actually do? 👉 plus her final piece of advice for first home buyers Em's website: https://wallaceadvocates.com.au/ this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

833 is the way we buy & sell property about to change forever?

Aug 25, 2026 42 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M What if you could sell your home without paying thousands upfront just to test the market? John and Rach sit down with Geoff Lucas, ex-CEO of McGrath and The Agency, who's launching a new platform called Envelope to solve exactly that. After two decades and over $60 billion in residential transactions, Geoff noticed something: too many Aussies who should be selling aren't because the friction of doing so is just too high. In this episode they touch on: 👉🏼 the market right now & the opportunity for upsizers 👉🏽 the big problem in Aussie real estate 👉🏿 what Envelope actually is and how it works 👉 how it differs from For Sale By Owner 👉🏻 will it put buyers agents and vendor advocates out of business? 👉🏾 how the platform plans to support sellers 👉🏼 the percentage fee model 👉🏽 how Envelope provides a more flexible alternative for sellers View the platform: https://envelope.com.au/ Listen to episode 801 inside Australia’s real estate industry with Geoff Lucas: Apple Podcast | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

832 downsizing strategy, bad property managers, turning your home into an investment + more

Aug 18, 2026 31 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, John and Rachelle chat about: 👉🏼 whether a Tasmanian single parent should invest on the mainland 👉🏽 mortgage-free & downsizing in 10 years, should I buy the downsizer now and rent it out? 👉🏾 advice for buyers who are purchasing house and land packages 👉🏿 dealing with high property manager turnover 👉 a couple in their 20s planning to upsize in 5-10years and turn their existing home into an investment John's services mentioned in the episode: New Builds | Envisage Property Envisage Property First Home Buyer Package Building construction contract reviews: https://www.carnelianprojects.com.au/ this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

831 is rentvesting dead? borrowing capacity case studies, lending landscape & what to do now

Aug 11, 2026 45 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M One of the biggest questions John and Rach have been asked since the federal budget has been: is rentvesting dead? In today's episode they chat about: 👉🏼 how rentvesting has helped people get into the market who couldn't otherwise 👉 Rach's own rentvesting origin story 👉🏽 how the property landscape has changed for rentvestors 👉🏾 3 client case studies of investors whose borrowing capacity reduced and how they pivoted 👉🏿 why different lenders are giving very different answers 👉🏻 how negative gearing has changed 👉 whose impacted most 👉🏽 could the changes to negative gearing end up being reversed? 👉🏾 where to from here? this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

830 SMSF lending change, missing out on properties, the forever home myth + more

Aug 4, 2026 37 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode John & Rach chat about: 👉🏼 the changes to SMSF lending from 10 August 2026 for residential property and who it impacts 👉🏽 a first home buyer who missed out a property they really wanted 👉🏾 what is 'gazumping' and Rach's lesson for buyers 👉🏿 is the term 'forever home' redundant? 👉🏻 when should someone use a buyer's agent? 👉 a quickfire Q&A Learn more about John's first home buyer package: https://www.envisageproperty.com.au/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

829 buying & selling at the same time, serviced apartments, Defence housing + more

Jul 28, 2026 50 min

In this episode John answers your questions, touching on: 👉🏼 4 ways to buy and sell a house at the same time 👉🏽 investing in a serviced apartment yielding 7% - good or bad idea? 👉🏾 pros & cons of renting a house to Defence Housing Australia 👉🏿 when to sell vs hold forever 👉🏻 negotiating a price reduction after building & pest inspection 👉 how long does selling a property take? 👉🏼 should we knock down rebuild or sell and buy elsewhere? 👉🏽 my borrowing capacity is too low, wait for the market to cool or use shared equity scheme? 👉🏾 how do deductions work for investors who can't claim negative gearing? 👉🏿 John's thoughts on the regional market outlook Links mentioned in the chat: Clarity call with John: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon Envisage Property buyer's agent service: https://www.envisageproperty.com.au/ John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

828 Ben Kingsley on negative gearing, his property origin story & bad buyers agents

Jul 21, 2026 56 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode John chats with Ben Kingsley, co-founder of Empower Wealth and the Property Couch podcast for a wide-ranging conversation. They touch on: 👉🏼 the changes to negative gearing 👉🏽 Ben's property origin story 👉🏾 property behaviours and traits that make a successful investor 👉🏿 the Melbourne market 👉🏻 the fundamentals of what drives property values 👉 the rise of buyers agents & regional investors 👉🏼 should you buy new properties for the tax benefits? 👉🏽 Ben's caution to investors about getting bad property advice & guaranteed returns this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

a first home buyer window of opportunity that won't last forever

Jul 20, 2026 49 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Negative gearing changes have hamstrung investor borrowing capacities, creating an opportunity for first home buyers that hasn't existed since just before COVID. In this episode John and Rach talk about how home buyers now have less competition and more negotiating power, plus the schemes and incentives helping buyers into the market. As of 1 July 2026, first home buyers can apply to pay no stamp duty through the Home Buyer Concession (HBC) Scheme. There is no longer an income threshold or property price limit when applying for the HBC Scheme. You can also apply for the HBC Scheme if you have not owned a property in the last five years. Reference: ACT.gov.au this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

827 the psychology of property photography: what buyers really want to see

Jul 14, 2026 32 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Preparing to sell your home? Today's episode is loaded with practical tips. Joining Rachelle is Melissah Douglas, director of Studio Maison Media and former principal of a Sydney real estate agency. Having been on both sides of real estate, selling and shooting, Melissah shares her insights on: 👉 creating and running a business 👉🏼 what buyers respond to when looking online 👉🏽 what becomes the hero image 👉🏾 to use AI or not? 👉🏿 what are the biggest mistakes that sellers make 👉 why landscaping can actually ruin your shoot 👉🏻 is styling worth it? 👉 easy fixes to make your home photograph better 👉🏼 tips for preparing your house for sale 👉🏽 what makes a home feel premium Connect with Melissah: https://www.instagram.com/studiomaisonmedia/ this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

826 the 5 biggest property investing mistakes and how to avoid them

Jul 7, 2026 41 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M John & Rach unpack the 5 biggest mistakes property investors make (John's made all of them!) and what to do differently. Related episodes: 🎧 439 John's 8 point property investing strategy - Apple | Spotify this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

825 the truth about Airbnb as a property strategy

Jun 30, 2026 45 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Is your property Airbnb-worthy? John Pidgeon is joined by Sally Broad, co-founder of Airready, a short-term holiday rental management company based on Victoria's Surf Coast. They talk about: 👉🏼 why Sally started the business 👉🏽 how do you know if your property is Airbnb-ready? 👉🏾 what impacts vacancy rates? 👉🏿 how Sally scaled the business 👉🏻 navigating local council 👉 can any property become suitable for short stay holiday rental? 👉🏼 Airready's fee structure 👉🏽 the investor misconception about using an Airbnb property strategy 👉🏾 where is the short-stay market heading? this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

824 buying your first investment property with Glen James

Jun 23, 2026 1 hr 14 min

Rachelle's & Glen's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M This episode is for anyone considering buying their first property as an investment rather than a place to live, or if you already own your own home. Rachelle is joined by Glen James, host of money money money and co-author of their book, The Quick-Start Guide to Your First Property available now. Rachelle & Glen chat about: 👉🏼 when's the right time to buy an investment? 👉🏽 is it still a good idea since the 2026 Federal Budget announced changes? 👉🏾 where to buy 👉🏿 performance growth 👉🏽 negative gearing changes and managing losses 👉🏻what to consider before buying a new build 👉 managing the emotional and practical risks 👉🏼 budgeting for costs - deposit, ongoing & maintenance 👉🏽 interest only or principle & interest? 👉🏾 using a buyer's agent - is it for you? 👉🏿 selecting good tenants 👉🏻 the very real disadvantage for solo buyers in this property climate this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

823 buying your first home to live in with Glen James

Jun 16, 2026 1 hr 3 min

Rachelle & Glen's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH In this deep dive for first home buyers, Rachelle and Glen James from money money money unpack their new book The Quick-Start Guide to Your First Property, walking through the full property buying process step by step. They talk about: 👉🏼 before you start looking 👉🏽 property research 👉🏾 making an offer & negotiating 👉🏿 putting down a deposit and the cooling off period 👉🏻 contracts & finance clauses 👉 building & pest inspections 👉🏼 the unconditional exchange 👉🏽 pre-settlement inspection 👉🏾 preparing for settlement day delays 👉🏿 navigating the emotions of buying 👉🏻 Govt schemes and incentives 👉 does off market = red flag? this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

822 every first home buyer scheme & incentive (and how to stack them)

Jun 9, 2026 35 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH In this episode, Rachelle breaks down every national and state-based scheme available to first home buyers right now, real client case studies to show exactly how much money you can save and explains which incentives you can combine for maximum impact. She touches on: 👉🏼 the First Home Super Saver scheme (FHSS) 👉🏽 the Australian Government 5% Deposit Scheme 👉🏾 the 2% deposit variation for single parents 👉🏿 the Australian Government Help to Buy Scheme 👉 Stamp duty concessions state-by-state for an $800k purchase 👉🏼 the First Home Owner Grant (FHOG) for new builds Learn more: https://firsthomebuyers.gov.au/ https://www.firsthome.gov.au/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

821 EOFY tax tips for business owners & property investors

Jun 2, 2026 37 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode Rachelle is joined by return guest Leah Hall, director and accountant at Lift Accounting to unpack what business owners and property investors need to know at EOFY. This episode was recorded prior to the budget. They talk about: 👉🏼 depreciation schedules & who prepaying interest might suit 👉🏽 maximising deductions 👉🏾 don't spend money just to save tax 👉🏿 check your borrowing capacity before big purchases 👉🏻 check your business & property structures 👉 tax reporting 👉🏼 the small business instant asset write-off 👉🏽 why investors can't claim travel expenses 👉🏾 changes to tax deductions for holiday home owners 👉🏿 cashflow as the biggest mistake that Leah sees Check out Leah's resources for this episode & the federal budget: https://liftaccounting.au/podcast-pack Related episodes: 722 top tax tips for property investors: Apple | Spotify 733 property structures explained: trusts, companies & super funds: Apple | Spotify this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

820 rate rises, buyer's market & what the data is actually telling us with Eliza Owen

May 26, 2026 46 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M John is joined by Independent Housing Analyst Eliza Owen for a look at how the May 26 rate rise is impacting the Australian housing market. They touch on: 👉🏼 the impact on mortgage holders 👉🏽 can we anticipate more rate rises in the second half of 2026? 👉🏾 how different sub-markets are affected 👉🏿 is there an opportunity for upsizers? 👉 when can we see a rate cut occur? 👉🏻 are rate increases actually effective for reducing inflation? 👉🏼 how is undersupply fixed? 👉🏽 buyer sentiment and behaviour during this time 👉🏿 Eliza's tip for buyers to maximise negotiation power 👉🏻 a quick fire Q&A Connect with Eliza on LinkedIn: https://www.linkedin.com/in/eliza-owen-2554ab65/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

what the tax changes mean for property investors

May 25, 2026 1 hr 16 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M On Thursday 21 May, John & Glen James from money money money walked through the CGT and Negative Gearing changes live on YouTube following the 2026 Federal Budget. Want to chat about your property situation? Book a 15min free call with John and the team at Envisage Property: https://www.envisageproperty.com.au/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

819 using equity vs saving cash, agent underquoting, help to buy + more

May 19, 2026 41 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, John & Rach discuss your questions about: 👉🏼 $500k equity in my PPOR, should I use it or save a separate cash deposit? 👉🏽 sell now to fund retirement or wait 5 years but risk it not being a seller's market? 👉🏾 single buyer with a $500k ceiling, is this the norm? What are my options? 👉🏿 why do agents underquote and what can buyers do about it? 👉🏻 I'm terrified of buying at the peak and ending up in negative equity! 👉 is the Help to Buy scheme worth it? 👉🏼 if wages aren't keeping up, can property really grow at 6% a year? this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

818 Federal Budget 2026: what it means for property

May 13, 2026 48 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M The Federal Budget has dropped, now what does it mean for property? Rach and John dive into the proposed changes to property and what they could mean for buyers, sellers and investors across Australia. They touch on: 👉🏾 negative gearing changes 👉🏿 CGT 50% discount changes from 1 July 2027 - for property bought before Budget night, any gains accrued up until July 2027 will keep the 50 per cent discount and any gains accrued after July 2027 will be subject to the new rules 👉🏻 discretionary trusts hit with a new minimum 30% tax rate 👉 potential impact on borrowing capacity and lending 👉🏼 the push towards new builds and whether soaring build costs actually make the numbers stack up 👉🏽 SMSF investors are untouched 👉🏻 is rentvesting still a smart pathway to owning your own home? this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

817 market update: rate rises, tighter lending & why property hasn't slowed

May 5, 2026 41 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this quarterly market update, John and Rachelle unpack what's actually happening in lending and property right now. They touch on: 👉 rate rises and what it means for lending and pre-approvals 👉🏼 the Help to Buy Scheme explained, plus a new trend: businesses buying their own premises 👉🏽 Sydney's unaffordability and where opportunity is 👉🏾 John and Rach's predictions for next quarter, and the vacancy rate metric worth watching 👉🏿 what rate rises mean for first home buyers, upsizers and investors This episode was recorded on the 15 April 2026. this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

816 CGT changes, upsizing vs investing & the uncertain market

Apr 28, 2026 43 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A episode John Pidgeon and Rachelle Kroon unpack: 👉🏼 how our community is feeling about life, the market & CGT changes 👉🏽 upsizing & buying before you sell and timing around the budget CGT announcement 👉🏾 paying $130k left on the mortgage vs buying an investment property 👉🏿 selling while on maternity leave, will the 50% CGT discount be grandfathered? 👉🏻 retiring soon and worried CGT changes will derail the plan 👉 CGT discounts may differ for new builds vs existing properties 👉🏼 upsizing the family home or buying the first investment property this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

815 buying property in your SMSF: setup, tax benefits, key rules & common pitfalls

Apr 21, 2026 44 min

In today's episode, Leah Hall from Lift Accounting is back on the show to help unpack all things property & self-managed super funds (SMSF). Rachelle and Leah chat about: 👉🏼 what is an SMSF and how does it work? 👉🏽 how does SMSF differ from an industry super fund 👉🏾 why buy property in super? 👉🏿 what's required to start an SMSF 👉🏻 who shouldn’t setup an SMSF 👉 how to actually buy a property in your super 👉🏼 property rules within SMSF 👉🏽 business owner purchasing their business premises in SMSF 👉🏾 the tax-free benefit in retirement 👉🏼 common mistakes to avoid when buying property in SMSF Leah's website: https://liftaccounting.au/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

814 Mitch has 3 properties & no borrowing power, what to focus on next? (clarity call with John Pidgeon)

Apr 14, 2026 52 min

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M This episode was originally recorded for the money money money show. In this live clarity call, John Pidgeon chats with Mitch who is feeling stuck and unsure on how to move his property portfolio forward. They unpack: 👉🏼 Mitch’s roadblock 👉🏽 his businesses 👉🏿 long term lifestyle, property and business goals 👉 cashflow and expense management 👉🏻 the lending reality as a new business owner 👉🏾 clarifying focus & building income first, then investing 👉🏼 Mitch's property portfolio 👉🏿 John's 4 pillars of wealth creation 👉 action steps Interested in a clarity call with John? Book here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/ this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

813 this investor built huge equity with 3 properties over 10 years

Apr 7, 2026 34 min

What happens when someone takes action, keeps it simple and sticks with property for the long game? In this episode, John shares the real story of a client and friend who built around $1.3 million in equity across three investment properties in under a decade without chasing flashy strategies or taking wild risks. They unpack: 👉🏼 the client's initial starting point 👉🏽 the first investment in Brisbane in 2016 👉🏾 the second investment on the Gold coast in 2018 👉🏿 the third investment in Bendigo in 2019 👉🏻 financial position then vs now 👉 their total cash contribution across the portfolio 👉🏼 what's next for the client 👉🏽 key takeaways for listeners this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

812 rising interest rates + is now the time to fix?

Mar 31, 2026 42 min

Petrol prices, rate rises and uncertainty in the economy - is now the time to fix? John Pidgeon and Rachelle Kroon chat about: 👉🏼 the current economic landscape for property owners 👉🏽 how to prepare in a rising rate environment 👉🏾 what does fixing your loan mean 👉🏿 should you fix or not? 👉 fixing part of your loan 👉🏻 why fixing impacts offset accounts 👉🏼 what is a split loan? 👉🏾 considerations for investors 👉🏿 myths & tips for fixing loans this is property is proudly brought to you by: Solvere Wealth: https://www.solverewealth.com.au Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

811 a 10-year property case study on interest-only

Mar 24, 2026 25 min

What happens when you keep an investment loan interest-only for 10 years while focusing on paying off your home? John Pidgeon and Rachelle Kroon unpack a real case study, the numbers behind it, and the different options this couple now have at age 48. 👉🏼 the case study 👉🏽 how they stayed interest-only for 10 years 👉🏾 where they’re at now 👉🏿 why interest-only on investments gives options 👉🏻 what John & Rach would've done differently in their circumstances 👉 what should they do next? 👉🏼 what the couple have decided to do now that their home is mortgage-free 👉🏾 the biggest lessons from this couple's journey Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ 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.

810 capital gains tax reform: proposed changes & who actually gets hit

Mar 17, 2026 43 min

CGT reform is back in the headlines but who actually gets hit? In this episode, Rachelle Kroon and John Pidgeon break down the proposed changes, what they mean for investors, homeowners and renters and why some policies could make the housing shortage worse. They discuss: 👉🏼 the current CGT rules 👉🏽 why CGT reform is back on the table 👉🏾 Labor's proposed changes 👉🏿 The Green's proposed changes 👉🏻 who gets impacted across the market 👉 will this help or hurt the housing shortage? 👉🏼 impact on renters, homeowners, investors & people trying to get into the market 👉🏽 PICA’s proposed reform 👉🏾 John and Rachelle’s opinions 👉🏻 advice for new investors Ben Kingsley on the potential CGT reform: https://youtu.be/m5zN82Dl0mg?si=4T8mGI-IsnRFgz46 This episode was recorded on 11 March 2026. Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ 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.

809 landlord mistakes, choosing a property manager & supporting DV survivors into rentals

Mar 10, 2026 44 min

In today's episode Rachelle & John are joined by Laura Valenti, managing director of McGrath North Lakes and board director at the Real Estate Institute of Queensland. With more than 20 years in property management Laura shares what really happens behind the scenes of managing investment properties and her top tips for investors. They touch on: 👉🏼 what is REIQ and its purpose? 👉🏽 challenges of running a large property management business 👉🏾 balancing landlords, tenants and legislation 👉🏿 advice for first time investors 👉🏻 vacancy rates and rental demand right now 👉 how investors can choose a good property manager 👉🏼 should your property manager be local? 👉🏿 outsourcing in property management 👉🏾 The Priority Project helping domestic violence survivors access rental housing Learn more about The Priority Project: https://youtu.be/3Trx-mzGI18?si=QqgC7xd1zPb2lZS8 Connect with Laura on LinkedIn: https://www.linkedin.com/in/laura-valenti-91823437/ Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ 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.

808 city unit vs regional house, buying IP without your partner, using equity, reno size + more

Mar 3, 2026 37 min

In this Q&A, John Pidgeon and Rachelle Kroon answer your questions and chat about: 👉🏼 buying a unit in a metro area vs house regionally 👉🏽 considerations for buying regionally 👉🏾 buying an IP with equity without involving your partner 👉🏿 optimising loan structure to make the cost to hold easier 👉🏻 accessing and using equity for a reno 👉 is serviceability for an IP different from a PPOR? 👉🏼 debt recycling explained 👉🏽 do a major reno on PPOR or smaller reno to afford IP Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ 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.

807 being an ethical landlord, property strategy, upsize now or after kids & when to sell

Feb 24, 2026 38 min

In this Q&A John and Rachelle answer your questions about: 👉🏼 charging market rent vs treating tenants kindly 👉🏽 investing strategy fundamentals 👉🏾 upsizing soon vs after child in 2-3 years 👉🏿 why there is a lack of support for ex-homeowners getting back into the market 👉🏻 top things to consider before buying first home 👉 when will the Brisbane market slow down and when should I sell? Listen to 439 John's 8 point property investing strategy: Apple Podcast | Spotify Book a clarity call with John here: https://www.solverewealth.com.au/clarity-call-with-john-pidgeon/ 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.

806 chatGPT advice, real investor returns & what drives capital growth with Luke Metcalfe

Feb 17, 2026 51 min

Is using ChatGPT to pick your next investment suburb a good idea… or a very expensive mistake? John is joined by returning guest data scientist Luke Metcalfe from Microburbs to discuss: 👉 is AI is a reliable tool for investors? 👉🏼 how to find your next place to buy using Microburbs 👉🏽 property returns - the median vs top 10% of investors 👉🏾 do views actually add value? 👉🏿 what performs at a street-level 👉🏻 the supply risk for units 👉 how to find NIMBY suburbs 👉🏼 the migration “goldilocks zone” for capital growth Listen to episode 744 with Luke, 'buying in the right location for capital growth': https://shows.acast.com/my-millennial-property/episodes/744 Property returns research paper mentioned in the chat: https://www.microburbs.com.au/v3/microresearch Learn more about Microburbs: https://www.microburbs.com.au/ 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.

805 our 2026 property predictions: interest rates, apartments, Brisbane & beyond

Feb 10, 2026 33 min

In today's episode Rach and John delve into their predictions for the property market in 2026, covering: 👉🏼 interest rate uncertainty in 2026 👉🏽 price growth 👉🏾 cap city outlook 👉🏿 Brisbane: hype or real momentum? 👉🏻 Sydney affordability & growth limits 👉 regional market outlook 👉🏼 apartment growth 👉🏽 lending landscape for first home buyers & investors 👉🏾 rental squeeze & housing pressure 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.

804 investing in regional QLD: Sunshine Coast, Ipswich & where the next growth is

Feb 3, 2026 1 hr 7 min

Queensland has gone from the quiet achiever to one of the most talked-about property markets in the country and in this episode, Rach is joined by buyer’s agent Luke Aldridge from Envisage Property to unpack what’s really happening on the ground. They chat about: 👉🏼 Luke’s background & becoming a buyer’s agent 👉🏽 how Covid changed QLD property forever 👉🏾 Sunshine Coast & Gold Coast growth explained 👉🏿 regional QLD hotspots investors overlook 👉🏻 Ipswich deep dive 👉 Luke’s tips for investors buying in today's property climate 👉🏼 managing flood and fire risks of buying in SE QLD 👉🏽 how offers and contracts work in QLD 👉🏾 some buyer case studies 👉🏿 where Luke would invest today 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.

803 lending landscape: bank appetite, trust lending, self-employed, fixed vs variable + more with Joe Carroll

Jan 27, 2026 39 min

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. Hosted on Acast. See acast.com/privacy for more information.

802 from first home fail to 6 properties worth over $3m (Ryan's story)

Jan 20, 2026 53 min

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.

801 inside Australia’s real estate industry with Geoff Lucas (former CEO of McGrath and The Agency)

Jan 13, 2026 43 min

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.

this is property | property lending: redraw, valuations & bank changes

Jan 6, 2026 32 min

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.

this is property | property investing: location, equity & growth decisions

Dec 30, 2025 37 min

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.

750 from first home to five properties: Chris's investing journey

Dec 23, 2025 28 min

In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about: 👉🏻 buying with an investor mindset from day one 👉 how picking locations he knew shaped his strategy 👉🏼 how he managed serviceability as a single buyer and as the portfolio grew 👉🏽 learnings: his first property was his worst performer *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.

749 investing in regional NSW: Tamworth, Orange & Dubbo

Dec 16, 2025 47 min

Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about: 👉🏾 how regional markets differ from capital cities 👉 investor profiles that Marcus works with 👉🏻 areas that Marcus buys in and why 👉🏽 Tamworth deep dive - blue chip areas, price points 👉🏿 what type of property performs best in Regional NSW 👉🏼 risks of buying in regional towns 👉🏾 Marcus's 3-5 year outlook for regional NSW 👉 infrastructure growth 👉🏽 some case studies 👉🏼 where Marcus wouldn’t invest, underrated areas, due diligence tips, red flags 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.

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844 the 8-point property strategy: what to figure out before you buy

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Podcast details

Created by: John Pidgeon & Rachelle Kroon
Status: Active
Latest episode: Nov 10, 2026
Episodes: 370
Release period: Weekly
Avg. episode length: 39 min
Explicit: No
Language: English

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