Property Investment, Success & Money | The Michael Yardney Podcast

In this episode of the MY Podcast, Dr. Andrew Wilson & Brett Warren and I discuss the implications of recent interest rate cuts on the housing market. In a highly anticipated decision, the Reserve Bank of Australia cut interest rates for the first time in more than four years, easing cost of living pressures and opening the door for the government to call an early election. In today’s whow Podcast, Dr. Andrew Wilson & Brett Warren and I discuss the implications of recent interest rate cuts on the housing market. We explain that the Reserve Bank was cautious about the outlook, noting the labor market remains strong and the global economic outlook is uncertain. Conflicting signals on the economy mean multiple rate cuts this year are unlikely.  In cutting the cash rate to 4.1%, RBA governor Michele Bullock said market forecasts for three more rate cuts this year were “far too confident” and the board needed more evidence inflation was sustainably back in its 2-3% target band. But the rate cut is crucial to the government’s narrative of an improving economy.  Takeaways Interest rate cuts stimulate the economy. Confidence is a big driver of our housing market. The Bank of Mum and Dad is becoming more active. Melbourne is an opportunist market right now. The chance of recession is very limited. True wealth is more than just money and property. A change in your life starts with a decision. Balance is better understood over time, not daily. 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    Dr. Andrew Wilson – My Housing Market    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: Time-Sensitive: RBA’s Bold Bet: Unpacking the Latest Move with Dr. Andrew Wilson & Brett Warren  

In today’s conversation, Stuart Wemyss and we discuss how in an ever-changing property market, you can ensure your investments are not just performing but thriving. How do you make the right choices, avoid costly mistakes, and set yourself up for long-term financial success? If that’s what you want to know, listen to today’s show and learn how to make every dollar of your property investment work harder for you! Takeaways Understanding the internal rate of return is essential for maximising your investment returns. Cash flow challenges should be balanced with long-term capital growth strategies. Investors should focus on high-quality properties for better capital growth – this is much more important in building wealth than cash flow. Long-term capital growth strategies yield better results than short-term cash flow solutions Debt can be a powerful tool for wealth creation if managed wisely – the wealthy have become so using compounding, leverage and time. Investors need to be cautious about expenses while maintaining their property’s value. Minimising your capital contributions can enhance overall returns. Holistic financial planning is key to navigating investment decisions. Investors should seek professional advice to tailor strategies to their individual circumstances. Chapters 01:16 Understanding Internal Rate of Return 08:16 Balancing Cash Flow and Capital Growth 15:40 The Importance of Debt Management 21:30 Long-Term Investment Strategies 23:47 Navigating Uncertainty in Property Investment 25:13 The Role of Strategic Planning in Wealth Creation 28:24 Introduction to Real Estate Investment 28:24 Understanding Market Trends 31:12 Understanding Property Investment Strategies Links and Resources:    Michael Yardney  Stuart Wemyss – Prosolution Private Clients    Stuart’s Book – Rules of the Lending Game & Investopoly    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: Is Your Property Portfolio Working Hard Enough? Insights from Stuart Wemyss 

Are rate cuts coming next week, and if not, when will we get them and how many will there be? In today’s conversation, Brett Warren, Dr. Andrew Wilson, and I discuss these questions and the implications of potential interest rate cuts on the property market and the economy. We explore how interest rates influence buyer behavior, market dynamics, and economic indicators such as employment and inflation. Dr Andrew Wilson also provides insights into the current economic landscape and future market predictions. Takeaways Interest rates are expected to fall, positively impacting the property market. A decline in interest rates typically leads to increased buyer activity. Confidence in the market is crucial for driving property prices up. The Reserve Bank's focus includes inflation, employment, and economic growth. Market opportunities arise when rates drop. Different property markets will react differently to interest rate changes. Melbourne's market may benefit from a shift in buyer sentiment. Strategic planning is essential for successful property investment. Chapters 00:56 Diverse Perspectives on Economic Predictions 01:44 The Impact of Interest Rates on Property Markets 23:23 Identifying Opportunities in a Changing Market 23:39 The Donkey Mindset: Embracing Challenges 25:06 Transforming Struggles into Strengths 25:20 Introduction to Real Estate Investment 25:21 Understanding Market Trends and Analysis 25:25 Introduction to the Podcast and Demographics Decoded 26:45 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 Dr. Andrew Wilson – My Housing Market 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: Crucial Interest Rate Insights You Can't Afford to Ignore | Dr. Andrew Wilson & Brett Warren

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