Property Investment, Success & Money | The Michael Yardney Podcast

About this time each year it’s customary for those of us in the property industry to peer into the future in an attempt to predict what’s ahead for our housing markets. While making such forecasts is not an exact science, I can safely make five predictions I am sure will be true for 2025. Then I want to share 12 rules that should make 2025 a great year for your investments.  Takeaways Predictions for the property market are often inaccurate. Economic uncertainty can create both challenges and opportunities. Understanding market dynamics is crucial for investors. Taking a long-term perspective and adhering to a proven investment strategy is essential for success. Financial literacy is key to making informed investment decisions. Location is a critical factor in property investment success. Demographics significantly influence property market trends. The property market operates in cycles, affecting investment timing. Investors should be prepared for unforeseen events that impact the market. Current market conditions may present unique opportunities for savvy investors. Chapters 05:39 Understanding Market Sentiment and Its Impact 08:17 Navigating Economic Uncertainty and Investment Strategies 11:27 The Importance of Financial Literacy and Planning 16:54 Location, Demographics, and Property Investment 22:02 Cycles in the Property Market: Understanding Trends 26:09 Seizing Opportunities in a Changing Market 29:56 The Power of Perspective 32:44 Embracing Change Through Outlook 36:17 Understanding Property Investment Strategies Links and Resources: Michael Yardney Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au Get a bundle of eBooks and Reports at www.PodcastBonus.com.au Also, please subscribe to my new 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. Shownotes plus more here: The five property predictions for 2025 most “experts” will get wrong    

I'm often asked what I would do differently if I could live my investing journey all over again. I've certainly made my fair share of mistakes along the way and paid huge "learning fees" because of them. However, instead of being defeated, I learned from each error and moved forward a little bit wiser. If you ask me that’s one of the keys to investment success - the ability to pick yourself up from setbacks, learn what you can from them (including your own limitations) and simply try again. So, to help prevent you from making the same mistakes, in today’s show Brett Warren, National director of property at Metropole  and I are going to chat about some of the things I wish I knew when I first started investing. Takeaways Setting clear goals is essential for success in property investment. Buying in the right location is not negotiable Building a supportive team can enhance investment success. A wealthy mindset and abundance thinking are traits of successful investors Delayed gratification is critical to long-term wealth. Overcoming fear is necessary for making investment decisions. Learning from your failures can lead to future success. Compounding and leverage are powerful tools in property investment. Ignoring media noise helps you maintain focus on long-term goals. Balancing cash flow and capital growth is vital for financial stability. Gratitude is important as is giving back to the community Chapters 04:15 The Importance of Education and Mentorship 07:30 Setting Clear Goals for Property Investment 10:37 Building a Supportive Team 13:24 Developing a Wealthy Mindset 16:25 The Power of Delayed Gratification 19:12 Overcoming Fear in Investment 22:38 Learning from Failure 25:34 Understanding Compounding and Leverage 28:33 Ignoring the White Noise of Media 31:17 Balancing Capital Growth and Cash Flow 34:21 The Significance of Location 37:29 Financial Discipline and Gratitude 39:20 Giving Back to the Community 39:31 The Power of Perseverance 40:24 Finding Strength in Adversity 40:42 Understanding Market Trends and Analysis   Links and Resources:    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    Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au       Also, please subscribe to my new 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.    Shownotes plus more here: 16 things I wish I knew when I started investing, with Brett Warren    

Today, I chat with Ray White’s Chief Economist, Nerida Conisbee, about her 10 predictions for our property markets for 2025 One or two of these may surprise you. Takeaways 2024 was a surprisingly strong year for property markets. Interest rates are expected to decrease in 2025. Established property values need to increase in value to match construction costs before substantial new construction will commence. The luxury market is experiencing a slowdown due to high interest rates. Retail properties are showing signs of recovery post-COVID. Mortgage brokers are becoming essential in the home buying process. Private investors are stepping up in the commercial market. Established properties need to increase in value to match construction costs. The Gold Coast is emerging as a strong market for luxury properties. The commercial lending space is becoming more competitive. Chapters 04:28 Interest Rates and Economic Predictions for 2025 07:14 Market Dynamics: Listings and Buyer Behavior 10:21 Luxury Market Trends and Shifts 12:42 Commercial Real Estate Insights 14:51 The Future of Office Spaces 17:58 The Rise of Mortgage Brokers 20:26 Commercial Lending Landscape 23:30 Challenges and Opportunities Ahead 25:43 The Power of Think Week 28:31 Adopting the Think Day Links and Resources:   Michael Yardney  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Nerida Conisbee – Chief Economist Ray White     Ray White’s 2025 Property Outlook Report   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new 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.  Shownotes plus more here: What 2025 Holds for Australia’s Property Market. Discover Ray White’s 10 Predictions  

If you’ve ever wondered how to make smarter money moves, whether property is still the best way to grow wealth, or how to set yourself up for financial freedom, today’s show is for you. Sarah Megginson, personal finance expert and Head of Editorial at Finder.com.au and I unpack the Finder Wealth Builder Report, which is a fascinating deep dive into how Aussies are saving, investing, and making their money work harder Sarah shares some eye-opening insights from the report—like what separates successful investors from those who just can’t seem to get ahead, why younger Aussies are finding it tougher to build wealth, and how small habits can lead to big financial gains over time. Takeaways Property remains a significant driver of wealth in Australia. Generational wealth transfer is changing the landscape of investment. Financial literacy is essential for making informed investment decisions, but it’s not taught to most Aussies. 2025 will present unique challenges for property investors. Resilience is key to overcoming financial setbacks. Alternative investments are becoming more accessible to everyday Australians. Learning from financial losses can lead to greater wealth in the long run. Teaching children about money is vital for their financial future. Chapters 00:29 Understanding Successful Investors vs. Struggling Investors 01:32 Economic Challenges and Wealth Growth in Australia 07:09 Wealth Inequality and Global Comparisons 13:02 The Mindset of Investors vs. Non-Investors 18:43 The Role of Financial Literacy and Good Habits 24:16 Intentional Spending and Financial Goals 39:26 Reflecting on 2024: A Year of Challenges and Opportunities 40:20 Preparing for 2025: Strategies for Property Investors 40:58 Living Authentically: The Regrets We Carry 42:24 Chasing Experiences Over Wealth Links and Resources:    Michael Yardney    Sarah Megginson Finder – Head of Editorial    Finder’s Building Wealth Report    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new 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    Shownotes plus more here: The Habits of Australia’s Wealthiest Investors – Are You Missing Out? With Sarah Megginson

Today Brett Warren and I look at the key trends and challenges our property markets experienced in  2024 and share our outlook for 2025. We reflect on the unexpected resilience of the market despite rising interest rates, the influence of government policies on property investors, and the importance of demographic shifts. Takeaways The property market showed unexpected resilience in 2024. Government policies had a profound impact on property investors. Interest rates are expected to fall in 2025, and this will usher in the next phase of the property cycle. Quality properties will be in high demand as the market shifts. Demographic shifts will influence property demand and supply. Investors play a crucial role in providing rental housing but does the government recognize this . A strategic plan is essential for long-term investment success. First home buyers made up around 20% of all property transactions last year. Understanding market trends is vital for making informed investment decisions. Chapters 00:00 Reflecting on 2024: Trends and Surprises 04:06 Government Policies and Market Dynamics 06:57 Resilience in the Housing Market 10:00 Challenges for Property Investors 11:40 Looking Ahead: Key Trends for 2025 14:25 Demographic Shifts and Market Opportunities 17:08 Navigating Risks and Pitfalls in 2025 19:56 Summarizing 2024 and Future Strategies 24:31 The Power of Attitude and Change 25:30 Navigating Life's Winters 26:26 Becoming Stronger, Wiser, and Better 28:48 Special Offers and Resources for Listeners Links and Resources:   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   Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au     Collect your bundle of free eBooks and property reports – www.Podcastbonus.com.au  Also, please subscribe to my new 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.  Shownotes plus more here: What You Need to Know About the Property Market Before 2025 Really Hits with Brett Warren 

What’s ahead for property in 2024? In today’s show I chat with Dr. Andrew Wilson who shares his expert analysis, highlighting which cities are poised for growth and which might hit a plateau.  Together, we explore the various economic factors likely to influence our housing markets in the year ahead. Takeaways • The property market is influenced by various economic factors. • Interest rates are expected to remain stable in the near future. • Affordability will be a key consideration for buyers in the year ahead. • Consumer confidence plays a crucial role in property market dynamics. • Melbourne's market is currently undervalued compared to other cities. • Migration continues to impact housing demand positively. • Brisbane, Adelaide, and Perth show strong growth potential. • Understanding the unique characteristics of each market is essential for investors. Chapters 00:00 Forecasting the Housing Market for the New Year 00:30 Insights from Property Experts 00:58 Understanding Market Influences 01:36 2024 Property Market Overview 07:35 Economic Factors Influencing Property Markets 13:33 Regional Market Dynamics and Affordability 19:46 Melbourne's Unique Market Challenges 23:30 Forecasting the Future of Property Markets 28:26 Understanding Market Trends   Links and Resources:    Michael Yardney    Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us    Get a bundle of free reports and eBooks – www.PodcastBonus.com.au     Also, please subscribe to my new 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.  Shownotes plus more here: Property Forecasts, State by State from Dr. Andrew Wilson  

It’s a popular catchphrase among politicians and policymakers: “Build more apartments, and we’ll solve the housing crisis.”  It sounds simple—almost too simple. And that’s because it is!   The idea that just increasing supply, particularly through apartment construction, will make housing affordable fails to grasp the true complexities of Australia’s housing market.   In reality, building more apartments is far from the magic bullet many hope it to be, and in some ways, it could even make the situation worse.   In today’s episode, I discuss the complexities surrounding the housing affordability crisis in Australia with Brett Warren.   We challenge the notion that simply building more apartments will solve the issue, emphasising the need for quality housing that caters to various demographics.   We explore the role of government policies, the challenges faced by the construction industry, and the importance of understanding market dynamics for property investors.   The episode wraps up with insights on future housing trends and investment strategies.  Takeaways          Building more apartments isn't a simple solution to housing affordability.        Quality of housing is more important than quantity.        Demographic shifts are influencing housing needs and preferences.        Government policies need to align with actual housing demands.        The construction industry faces significant challenges that impact housing supply.        Investors should focus on established properties rather than new apartments.        Understanding market dynamics is crucial for successful property investment.        The housing crisis is expected to persist for several years.        Stricter regulations are needed to ensure quality in construction.        Opportunities exist in the market despite current obstacles.   Chapters 00:00 Introduction to Housing Affordability Challenges 00:28 The Myth of Building More Apartments 01:23 The Housing Crisis: A Complex Issue 11:09 Understanding Supply and Demand in Housing 21:32 The Future of Housing: Challenges and Opportunities 25:11 The Miracle of Existence 28:16 Introduction to Real Estate Investment 28:17 Understanding Market Trends and Analysis   Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new 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.  Shownotes plus more here: Why Building More Apartments Won’t Solve the Housing Affordability Crisis, with Brett Warren 

Today, I discuss Australia’s housing crisis in Australia with Brendan Coates, the Housing and Economic Security Program Director at the Grattan Institute.   We explore what’s really driving the housing crisis, the impact of migration and tax policies, and why simply building more homes may not be the silver bullet many think it is.   We also get Brendan’s insights on how we can create a fairer, more sustainable housing market for all Australians.  Our conversation also covers the expectations of first-time home buyers, government responses, and the long-term outlook for housing affordability.  Takeaways  There's a pressure cooker building up for the housing markets.  The housing crisis will take a decade to resolve.  We haven't built enough housing to meet demand.  Migration is playing a role in the housing crisis  Rents have risen significantly since the pandemic.  Government policies need to focus on increasing housing supply.  Stamp duty is a barrier to housing mobility.  Social housing is essential for vulnerable populations.  Construction costs need to be addressed to improve housing supply.  Chapters  00:00 Understanding the Housing Crisis  03:28 The Role of Migration in Housing Demand  06:18 Challenges of Home Ownership and Renting  09:16 Government Responses and Solutions  11:59 The Importance of Building More Homes  15:02 Tax Policies and Their Impact on Housing  17:47 Social and Affordable Housing Needs  20:24 Construction Costs and Housing Supply  23:14 The Future of Housing Affordability  35:39 The Pressure Cooker of the Housing Market  38:00 Strategic Property Investment for Financial Independence  Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Brendan Coates – Housing and Economic Security Program Director, Grattan Institute   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new 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.  Shownotes plus more here: Housing Australia's Future: Grattan Institute’s Brendan Coates on Policy, Migration, and Affordability 

It’s the beginning of a New Year, so I’d like to take a step back to reflect on the rollercoaster that was 2024 in the housing markets and gear up for what promises to be an equally fascinating 2025.   Today, I’m joined by Nicola McDougall, chair of PIPA – the Property Investment Professionals of Australia, who has her finger on the pulse of what’s happening in our housing markets as well as a good understanding of all the various players in the property industry.  Nicola and I discuss the unexpected developments in the Australian property markets throughout 2024, the implications of interest rates on my investment strategies, and the ongoing rental crisis.   We also explore the challenges we face as property investors and the impact of government policies on the market, and we share our predictions for the property market in 2025.    Takeaways  2024 was a year of unexpected market conditions but general market resilience.  Interest rates are a significant factor affecting property investment and will create a year of 2 halves in 2025.  Melbourne's property market has struggled due to various factors.  Government policies have made it more challenging for investors.  Investors play a crucial role in providing rental accommodation to one third of Australians.  The rental crisis has been exacerbated by a reduction in investors.  A national outlook is essential for successful property investment as market conditions vary significantly across different regions.  Predictions for 2025 suggest continued market fragmentation.  Understanding market cycles is key to navigating property investment.  Chapters  00:00 2024 Property Market Overview  05:32 Melbourne's Market Struggles  11:10 Challenges for Property Investors  16:13 The Rental Crisis  18:42 New Chapter  35:00 2025: A Year of Opportunity in Property  36:22 Strategic Investing: Long-Term Perspectives and Benefits  37:10 The Spiral Path of Progress  38:08 Understanding the Law of Reverse Effort  Links and Resources:   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us  Nicola McDougall – Chair Property Investment Professionals of Australia  Get a bundle of free reports and eBooks – www.PodcastBonus.com.au    Also, please subscribe to my new 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.  Shownotes plus more here: Australia’s Housing Markets in 2025: Opportunities, Risks, and Surprises  

No one wants to pay more tax than they need to, and no one wants to get in trouble with the tax man, so today Ken Raiss and I interview Rob Thompson, Assistant Commissioner of Taxation, who has a front-row seat to the intricacies of our tax system, and he’s here to help unpack some of the complexities that property investors like you often face.  Today we’ll be discussing      The ATO’s data matching program for property investors      The tax gap of $1.2 billion and why it’s relevant to rental property investors      PAYG instalments      The difference between deductible repair expenses, initial repairs and improvements and      The ATO’s new borrowing expenses calculator (this can be something we plug in the podcast and include links and more information in the show notes).      How to Pay As You Go instalments help manage tax bills throughout the year.      Understanding your tax obligations to avoid mistakes.      Treating your property investments like a business, not a hobby.  Chapters  04:09 The Importance of Data Matching and Compliance  07:05 Navigating Property Management Data  09:45 Distinguishing Between Repairs and Capital Improvements  12:19 Initial Repairs vs. Ongoing Maintenance  15:15 Understanding Depreciating Assets and Their Claims  18:17 Managing Interest Expenses and Tax Gaps  21:26 Claiming Borrowing Expenses Effectively  24:14 PAYG Installments for Property Investors  26:04 Final Thoughts on Tax Obligations and Compliance  32:21 The Value of Struggle in Success  Links and Resources:   Michael Yardney   Ken Raiss – Director Metropole Wealth Advisory  Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us       Tax time toolkit for investors: ato.gov.au/Investorstoolkit      Rental properties guide: ato.gov.au/rentalsguide       Rental video series: ato.gov.au/Rentalvideos      Tax statistics: ato.gov.au/taxstats   Get a bundle of free reports and eBooks – www.PodcastBonus.com.au       Also, please subscribe to my new 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.   Shownotes plus more here: The Tax Man Knows More About Your Property Investments Than You Think – Assistant Taxation Commissioner Rob Thompson