this is property

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• 821 EOFY tax tips for business owners & property investors 02.06.2026 37min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn 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-packRelated episodes:722 top tax tips for property investors: Apple | Spotify733 property structures explained: trusts, companies & super funds: Apple | Spotifythis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 26.05.2026 46min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MJohn 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&AConnect 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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 25.05.2026 1godz 16min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MOn 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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 19.05.2026 41min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn 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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 13.05.2026 48min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MThe 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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 05.05.2026 41min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn 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 investorsThis episode was recorded on the 15 April 2026.this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 28.04.2026 43min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MIn 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 propertythis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 21.04.2026 44min

  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 SMSFLeah's website: https://liftaccounting.au/this is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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) 14.04.2026 52min

  Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoHJohn's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9MThis 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 stepsInterested 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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 07.04.2026 34min

  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 listenersthis is property is proudly brought to you by:Solvere Wealth: https://www.solverewealth.com.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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? 31.03.2026 42min

  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.auSphere Home Loans: https://www.spherehomeloans.com.auJoin 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 24.03.2026 25min

  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 journeyJoin 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/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 17.03.2026 43min

  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 investorsBen Kingsley on the potential CGT reform: https://youtu.be/m5zN82Dl0mg?si=4T8mGI-IsnRFgz46This 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/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 10.03.2026 44min

  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 housingLearn more about The Priority Project: https://youtu.be/3Trx-mzGI18?si=QqgC7xd1zPb2lZS8Connect 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/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 03.03.2026 37min

  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 IPJoin 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/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 24.02.2026 38min

  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 | SpotifyBook 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.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 17.02.2026 51min

  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 growthListen to episode 744 with Luke, 'buying in the right location for capital growth': https://shows.acast.com/my-millennial-property/episodes/744Property returns research paper mentioned in the chat: https://www.microburbs.com.au/v3/microresearchLearn 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.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 10.02.2026 33min

  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 pressureHave 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.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 03.02.2026 1godz 7min

  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 todayHave 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.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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 27.01.2026 39min

  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 investorsHave 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.podcastWe're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisispropertyNeed clarity on your property situation? Book a clarity call with John Pidgeon: https://www.solverewealth.com.auRachelle 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.