this is property
Business & Finance
About
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.
Episodes
- 817 market update: rate rises, tighter lending & why property hasn't slowed
This episode of "this is property" features a quarterly market update with John and Rachelle. They discuss current trends in lending and property, including rate rises, the Help to Buy Scheme, and predictions for the next quarter. The epis…
- 816 CGT changes, upsizing vs investing & the uncertain market
This episode of this is property discusses capital gains tax changes, upsizing versus investing in property, and navigating an uncertain market. Topics include community sentiment, buying and selling strategies, mortgage repayment versus i…
- 815 buying property in your SMSF: setup, tax benefits, key rules & common pitfalls
This episode of 'this is property' discusses buying property in a Self-Managed Super Fund (SMSF). Leah Hall from Lift Accounting explains SMSF setup, tax benefits, key rules, and common pitfalls.
- 814 Mitch has 3 properties & no borrowing power, what to focus on next? (clarity call with John Pidgeon)
In this episode of "this is property," Mitch, who owns three properties but lacks borrowing power, consults with John Pidgeon to strategize his next financial moves. They delve into Mitch's business, lifestyle goals, cashflow management, a…
- 813 this investor built huge equity with 3 properties over 10 years
In this episode, a client shares their real estate investment journey, accumulating $1.3 million in equity from three properties over ten years without complex strategies. The discussion highlights their investments in Brisbane, Gold Coast…
- 812 rising interest rates + is now the time to fix?
John Pidgeon and Rachelle Kroon discuss current economic conditions for property owners, including rising interest rates. They explore how to prepare for a rising rate environment and whether fixing a loan is a suitable strategy.
- 811 a 10-year property case study on interest-only
This episode of "this is property" features John Pidgeon and Rachelle Kroon presenting a 10-year property case study focusing on an interest-only investment loan. They examine the financial details and future options for the couple involve…
- 810 capital gains tax reform: proposed changes & who actually gets hit
Rachelle Kroon and John Pidgeon discuss proposed Capital Gains Tax reforms, examining current rules, proposed changes by Labor and The Greens, and their potential impact on investors, homeowners, renters, and the housing market, including…
- 809 landlord mistakes, choosing a property manager & supporting DV survivors into rentals
Rachelle & John speak with Laura Valenti about property management, including common landlord mistakes, selecting a property manager, and The Priority Project, which helps domestic violence survivors find rental housing. Laura also offers…
- 808 city unit vs regional house, buying IP without your partner, using equity, reno size + more
This episode features a Q&A with John Pidgeon and Rachelle Kroon, discussing various property investment topics. They cover buying metropolitan units versus regional houses, utilizing equity, and advice on renovation sizes and loan structu…
- 807 being an ethical landlord, property strategy, upsize now or after kids & when to sell
This episode of "This is Property" features John and Rachelle answering listener questions. Topics include ethical landlording, property investment strategies, deciding when to upsize, and timing property sales in the Brisbane market.
- 806 chatGPT advice, real investor returns & what drives capital growth with Luke Metcalfe
Luke Metcalfe joins John to discuss the use of ChatGPT for investment decisions, real investor returns, and key drivers of capital growth in property. The conversation covers topics such as street-level property performance and supply risk…
- 805 our 2026 property predictions: interest rates, apartments, Brisbane & beyond
Rach and John predict trends for the 2026 property market, including interest rates, price growth, and regional variations. They also discuss the outlook for apartments and the lending environment for first home buyers and investors.
- 804 investing in regional QLD: Sunshine Coast, Ipswich & where the next growth is
This episode of "this is property" features Rach and buyer's agent Luke Aldridge discussing property investment opportunities in regional Queensland. They explore market dynamics in areas like Sunshine Coast and Ipswich, offer investor adv…
- 803 lending landscape: bank appetite, trust lending, self-employed, fixed vs variable + more with Joe Carroll
Joe Carroll from Sphere Home Loans joins the podcast to discuss the current lending landscape as of January 2026. Topics include bank appetite, trust lending, self-employed lending, and fixed versus variable rates, along with advice for in…
- 802 from first home fail to 6 properties worth over $3m (Ryan's story)
Ryan discusses his property investment journey, detailing how he recovered from an initial loss to acquire six properties valued over $3 million. He covers his decisions, mistakes, and turning points, including his rentvesting strategy and…
- 801 inside Australia’s real estate industry with Geoff Lucas (former CEO of McGrath and The Agency)
John and Rachelle interview Geoff Lucas, former CEO of McGrath and The Agency. They discuss the Australian real estate industry, including leadership, high-performance culture, market cycles, and the impact of technology and transparency o…
- this is property | property lending: redraw, valuations & bank changes
This episode of "this is property" discusses various aspects of property lending, drawing clips from previous episodes. It covers loan structures, redraw strategies, bank policy changes, and property valuations.
- this is property | property investing: location, equity & growth decisions
This episode of "this is property" discusses how property investors make decisions about location, equity, and portfolio growth. It covers investment property choices, claiming tax deductions for interstate properties, and using equity for…
- 750 from first home to five properties: Chris's investing journey
In this episode, Rachelle interviews Chris about his property investing journey. He discusses how he built a five-property portfolio, his investment mindset, location strategies, and managing serviceability as a single buyer.
- 749 investing in regional NSW: Tamworth, Orange & Dubbo
This episode of "this is property" focuses on investing in regional New South Wales. Rachelle and Marcus Davidson discuss opportunities and risks in areas such as Tamworth, Orange, and Dubbo, comparing regional markets to capital cities.
- 748 APRA’s lending cap, major NSW & VIC zoning changes & the 2% shared equity scheme
This episode of 'this is property' features John and Rach discussing APRA's lending cap, significant zoning changes in NSW and VIC, and the national 2% shared-equity scheme. They analyze the impact of these changes on property prices and o…
- 747 using a parental guarantee to get a better investment property at 23
Dan, a 23-year-old, explains how he purchased his first investment property. He details his financial journey, including early money habits, saving, working with a mortgage broker, and using a parental guarantee to secure his asset.
- 746 is it too late to buy? BA red flags, Victoria’s hot market + more
This episode of "this is property" features John and Rachelle answering listener questions on various property investment topics. They discuss financial strategies, market timing, and navigating the current real estate landscape, including…
- 745 backlash over boom bust episode, 90% no LMI lending, trust lending crackdown + more
This episode of This Is Property covers lender policy shifts, UBank’s 90% no-LMI lending, and listener backlash regarding a previous "boom bust" episode. John, Rachelle, and Glen James also discuss rentvesting.
- 744 buying in the right location for capital growth with Luke Metcalfe
In this episode, John and Rachelle interview Luke Metcalfe, founder of Microburbs, about key data points for choosing property locations to maximize capital growth. They discuss Microburbs' function, influential data points, the impact of…
- 743 turning home equity into your first investment (clarity call with John Pidgeon)
In this episode of "this is property," John Pidgeon speaks with Kristyn and Brenton about using home equity for their first property investment. The discussion covers risk assessment, debt recycling, setting investment goals, and balancing…
- 742 how Meg built a 3-property portfolio worth $2.5M by 25
In this episode, Meg details her process of accumulating a $2.5M property portfolio by the age of 25. She discusses her initial property purchase, using equity for subsequent investments, and her strategies for managing risk and expenses.
- 741 partners who invest & manage money separately (David & Louise's story)
David and Louise share their experiences with managing money and property investments independently. They cover topics such as individual risk appetites, the decision to keep finances separate, binding financial agreements, and planning fo…
- 740 using redraw to invest, 6-year CGT rule, repairs vs depreciation + more (Q&A with an accountant)
In this Q&A episode, Rachelle and accountant Leah Hall discuss various tax and property questions. Topics include using redraw from investment loans, the 6-year CGT rule, and the difference between repairs and depreciation.
- 739 the boom bust property cycle explained + where are we now?
This episode of "this is property" features John and Rach with Darren Wilson from Property Share Market Economics, who explains the 18.6-year real estate cycle. They discuss the four phases of the cycle and its current status, offering ins…
- 738 investing in regional VIC: Geelong, Bendigo & Shepparton
This episode of "this is property" features Rachelle Kroon and Kimberley Gelhar discussing investment opportunities in regional Victoria, covering Geelong, Bendigo, and Shepparton. They explore market shifts, buyer agent processes, and spe…
- bonus from FinCon: US vs Aussie property, 30 year fixed rates, rent to buy, taxes + more
This bonus episode of "this is property" features Rach and John discussing the US and Australian property markets. They compare topics such as 30-year fixed loans, rent-to-buy schemes, and property taxes based on their experiences at FinCo…
- 737 funding renovations, using equity to buy a 2nd IP, split loans, valuations + more
This episode of This Is Property features Rach and John addressing listener questions on various real estate topics. They discuss funding renovations, utilizing equity to purchase additional investment properties, strategies for loan split…
- 736 public school catchments, property premiums & if they’re worth it
This episode of "this is property" features John and Rachelle with Eliza Owen from Cotality, discussing how public school zones impact property values. They delve into Cotality's report on house values inside and outside top public school…
- 735 First Home Guarantee fast-tracked, FOMO traps & buyer’s agent risks
Rachelle and John discuss the First Home Guarantee expansion and its implications for the property market. They cover the risks of FOMO, lessons from clients who lost money in hot markets, and the role of buyer's agents.
- 734 understanding the role of a seller’s agent with Veronica Morgan
This episode of "This Is Property" features John and Rach with Veronica Morgan, discussing the role of a seller's agent. They explore what a seller's agent does, their distinction from real estate agents, and how they benefit property vend…
- 733 property structures explained: trusts, companies & super funds
This episode explores different property ownership structures, including discretionary and unit trusts, companies, and self-managed super funds. It covers the advantages and disadvantages of each, helping listeners understand which structu…
- 732 Alyce bought her third property by 28
Alyce Lewis discusses her property journey, including buying her first home, upsizing to a dream property, and adding an investment. She shares insights on strategy, off-market deals, and boosting sale prices. By 28, Alyce Lewis purchased…
- 731 type vs location, sell or rent Brissy unit, mortgage or invest, servicing multiple loans + more
In this episode, John and Rach answer listener questions. They discuss property type versus location for wealth creation, whether to sell or rent a Brisbane apartment, investing in property or paying off a mortgage, and funding multiple pr…
- 730 love, property and prenups/BFAs (a chat with a family lawyer)
In this episode, family lawyer Kate O’Grady and Rachelle discuss how to protect property and finances in relationships. They cover topics such as prenups, binding financial agreements, and the legal implications of separating from a partne…
- 729 flipping houses in the USA with Brandon Rickman (how it works, risks, financing + more)
John and Rach speak with Brandon Rickman about flipping houses in the USA. They cover how flipping works, financing, and building wealth, as well as the differences in the US market compared to other regions.
- 728 state-by-state tenancy law changes, rent caps, eviction rules + more
John and Rachelle discuss the latest tenancy law changes across all Australian states and territories. They cover updates crucial for both tenants and landlords, including rent caps and eviction rules.
- 727 where to invest for under $700k, when to sell, buying in Melbourne, using 100% equity + more
John and Rachelle answer listener questions on property investment. Topics include investing with 100% equity, when to sell a property, and buying in Melbourne. They also discuss regional investment opportunities and the role of seller's a…
- 726 building a $3m property portfolio in 4 years (Eloise & Liam's story)
Eloise and Liam share their journey of building a $3 million property portfolio in four years while rentvesting in Sydney. This episode covers their practical steps, financial strategies, and lessons learned, including how they leveraged t…
- 725 building a new home: what you need to know
This episode of This is Property covers essential information for building a new home, including hidden costs, building tenders, and avoiding mistakes. Rachelle and Kerri-Ann Hooper discuss various aspects of the new home construction proc…
- 724 getting your partner on board with your financial journey
In this episode, John and Rach from "This Is Property" discuss how couples can navigate differing financial mindsets. They explore strategies for understanding each other's money goals and making progress towards shared financial objective…
- 723 interest rate reduction: what now for borrowers, buyers and the property market
This episode of "this is property" discusses the implications of interest rate reductions for Australian borrowers, buyers, and the property market. John and Rachelle explore the impacts on loan repayments, borrowing power, and the psychol…
- 722 top tax tips for property investors (with an accountant)
This episode features Leah Hall from Lift Accounting discussing top tax tips for property investors. Topics include reducing holding costs, maximizing deductions, and strategic timing for sales. The discussion also covers depreciation sche…
- 721 help! my property holding costs are hurting
In this episode, John and Rach discuss strategies for managing property holding costs, including smart lending, cash flow management, and portfolio review. They cover topics like switching to interest-only repayments, using PAYG withholdin…