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Australian Property Talk

Redom Syed & Curtis Stewart

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At Australian Property Talk, two ex-Treasury Economists have a chat about all things Aussie Real Estate. I'm Redom Syed, founder of Confidence Finance, an award-winning mortgage broking company that’s worked with 1000s of homebuyers and investors across the country. When I was 15, both my parents lost their jobs and our family eventually lost the house & car to debt collectors. Since then, I've built one of Australia's best mortgage broking businesses - ranking inside the top 100 mortgage br ...
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show series
 
Send us a Text Message. We unpack HOW the Transport Oriented Development Plan will change SYDNEY. The biggest planning changes in decades in Sydney are now legislated. After a short consultation period, the NSW government has got moving and enacted these changes quickly. Planning changes of this scale and breadth remains a great opportunity for inv…
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Send us a Text Message. Should i invest in an apartment? Many property investing experts say NO. Indeed, so many of the best buyers agents in Australia simply DO NOT buy apartments. But Sydney apartments are now growing at DOUBLE the rate of houses. Are they overlooking the data? We unpack WHY apartments may be set for short term growth, including:…
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Send us a Text Message. Inflation came in at 1% for Q1 2024 in a big economic release. This was above market expectations, coming in way too high and is a cause for concern. Inflation is the number one data item that the RBA look at, and with this high number, rate cut talks for the foreseeable future are over. The RBA removed its stance on 'increa…
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Send us a Text Message. There's tens of thousands of properties for sale at any point in time. How do you work out where to actually buy? We unpack: 1. The importance of thinking NATIONALLY, not just locally. 2. Why NUMBERS is all that matters - not emotional attachment to walking past your property investment. 3. Property cycles are different acro…
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Send us a Text Message. We deep dive into the steps you need to take to purchase a property. We aim to help you take ACTION by SIMPLIFYING the process into a few key steps. Simplified, property investing can be broken down into a few simple steps: 1. Get money - usually from banks! 2. Use that money to buy GOOD property investing - 3. Risk manageme…
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Send us a Text Message. We deep dive into the Australian economy, jobs market, and rate cycle. We also unpack how Australia compares to the US and why they are doing so well, while we are barely growing at all. We discuss the slowly moving rate cycle, and why we're now in PHASE 2 of this transition from raising rates to cutting. 1. Stop increasing …
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Send us a Text Message. How are so many Aussies getting on with their day to day life? This question is absolutely key to the short term direction of housing values, the risks to the aussie economy, our jobs market and everything central to our economy. Its why the RBA put a spotlight on Aussie households and how they're coping to high rates. There…
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Send us a Text Message. Sydney planning changes proposed in 2024 is one of the best investing opportunities we have seen in a long time. In this episode, we deep dive into the changes proposed by the state government. We discuss: > What the pro's & con's are from pursuing a strategy like this > What areas are going to benefit most > Why apartments …
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Send us a Text Message. Sydney planning is changing - the largest change in a generation due to come into legislation in 2024! The state government is responding to the housing crisis with a massive change to planning proposals that impacts land all across the city. We discuss: > What is changing and where > What areas will do well > How property i…
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Send us a Text Message. We've modelled out borrowing powers for 7 years straight. This shows a close relationship between borrowing amounts and house prices. In this episode, we deep dive directly into what will happen to borrowing powers in 2024. We discuss 4 separate scenarios: Scenario 1 (near certainty): Stage 3 tax cuts kick in and add 5% to b…
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Send us a Text Message. We deep dive into 2023 - house prices increased by nearly double digits YET borrowing powers fell by nearly 10%. Why? What happened in 2023 and why did prices rise when credit availability came down? This means that more and more purchases were made with larger deposits & to higher income Aussie's. We unpack a few key factor…
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Send us a Text Message. Do changes in borrowing power impact the direction of house prices? We deep dive into how borrowing power has changed up and down through 2017-2022 and how house prices have followed these changes. For these years, the results are clear: House Prices in Sydney moved up and down in line with changes to the amount of credit av…
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Send us a Text Message. We unpack superannuation lending and how property investors can use their super to continue growing their property portfolio. Specifically: 1. What is a self managed super fund 2. How do banks view SMSF's 3. What is a 'bare trust' and why is it needed 4. How does it expand my borrowing power? 5. How does it impact my persona…
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Send us a Text Message. We deep dive into the latest RBA release and 45minute press conference yesterday. Specifically we unpack their latest forecasts, what they signal for interest rates ahead and why the clouds of uncertainty are starting to clear for property investors. Reach out to us at www.australianpropertytalk.com.au…
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Send us a Text Message. We unpack the latest finance strategy that offers advanced investors the opportunity to expand their borrowing power. 1. What is the company lending strategy? 2. Who uses this strategy and why is it an 'advanced strategy'? 3. Why it makes sense to have a healthy capital position when adopting this approach? 4. How do banks v…
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Send us a Text Message. In a positive economic data release, inflation came in well below expectations. At the same time, the December jobs report was really poor. The economy is clearly slowing. We discuss what this inflation print means and ask the question: When will rate cuts come. We discuss three scenarios: rate cuts in May 2024, August 2024 …
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Send us a Text Message. Part 1 of a 3 part INVESTOR LENDING Series. We unpack how YOU can maximise your investing and financing position to MULTIPLY your borrowing power. In 2024, financing conditions remain very tight. Borrowing capacities are down, yet prices are at their peaks. Property investing is a game of finance. For investors looking to bu…
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Send us a Text Message. The government has just announced massive changes to stage 3 tax cuts - overall higher income earners will be getting a smaller tax cut, with the money being used to fund tax cuts for lower income earners. Anyone earning $150k+ will pay more tax, and those earning less will get a benefit. We deep dive into what the changes a…
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Send us a Text Message. We play a game of higher or lower and run through the economy, interest rates, employment & property prices. Take a deep dive into all the key factors that will drive your property outcomes in 2024. Redom unpacks his thoughts on APRA's big handbrake on lending and how it's hampering Australian's all across the country for li…
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Send us a Text Message. We discuss 3 massive changes to macro-economic factors expected in 2024 and how it will impact the property market. Specifically: > We unpack how tax cuts impact borrowing capacities and which markets it will improve. > We discuss the probabilities of rate cuts & what it will do to housing sentiment. > Finally, we run throug…
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Send us a Text Message. What's the best way to do an end of year property wrap? We do what no one else ever does. Revisit our 11 predictions for 2023 EBOOK released at the beggining of the year and see how our calls stacked up. No surprise, we got many things wrong, with some right ones in there too! 2023 was a year where most predictions were all …
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Send us a Text Message. Australian economy is beginning to slow quickly. The latest economic scorecard doesn’t officially put us in a recession, we are dangerously close to it. If you stripped population growth out, we have already hit that dreaded R word. We are also becoming less productive. Our savings rate has plummeted. Our household spending …
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Send us a Text Message. What is Australia’s inflation story NOW & into 2024? This is the no 1 qn on the RBA’s minds at the moment. Answer this correctly and you have a pretty close line to what will happen to interest rates. We’re going to dig into the detail of the inflation story. More specifically were going to uncover these three themes: 1. Inf…
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Send us a Text Message. We unpack the remaining states to answer the question: where should i buy property in 2024? Specifically we deep dive into the macro-factors driving the WA real estate market and why it is the clear winner in terms of housing fundamentals. Reach out to us at www.australianpropertytalk.com.au…
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Send us a Text Message. We discuss the the different housing markets across Australia to better understand WHERE is the best place to invest. Specifically, we discuss Sydney, Melbourne & Brisbane Property Markets. Property markets move in cycles. Sydney has done well in 2023 - but will it continue in 2024? Will Melbourne BOOM again? Or is Brisbane …
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Send us a Text Message. We explore what Australian property looks like if interest rates are high for an entire decade. What will happen to capital growth rates? Where should you invest? Whats the likelihood of this happening? Why are people discussing 'higher for longer' all around the world? With 10 year bond yields driving up & housing prices re…
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Send us a Text Message. Lending is tough, particularly for investors. In this podcast, Curtis and I go through 3 tips to expand your lending and grow your portfolio. This includes: 1. 1% Refinance Buffer and how to utilise this to your advantage 2. Self employed lending tips and tricks to grow your portfolio 3. Utilising lender differences to your …
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Send us a Text Message. We deep dive into the latest inflation data just released and unpack what it means for the property market. Specifically we: > Discuss the impact this will have on interest rates > Make the case for raising & holding rates > Unpack what made up this inflation data > Deep dive into current property markets & what it means for…
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Send us a Text Message. Were on the cusp of another RBA rate meeting and the November one is A BIG one. In this episode, we discuss 5 factors that may drive rates even higher: 1.The new RBA Governor and a change of strategy - a lack of tolerance for inflation remaining out of band higher. 2.House price rises drive higher spending, and delay inflati…
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Send us a Text Message. What does Australia's long term future look like? We deep dive into the latest Intergeneration Report released last month for a sneek peak into our economic future. In this episode we go through 4 key insights in this report: Ø Lower productivity & participation Ø Population growth opportunities Ø Higher taxes & how property…
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Send us a Text Message. Rate rises are over, the question today is now HOW LONG WILL THESE RATES LAST. At 4.1% financial conditions are really tight. For property markets, were going through the tight financial conditions now. In this episode, we’ll go through: > 3 reasons why the RBA are now in PAUSE mode > Go through the latest economic scorecard…
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Send us a Text Message. The Reserve Bank of Australia have taken a 'breath' & kept rates on HOLD for a second consecutive month. We go through 5 reasons why: 1. Key economic indicators are tracking BETTER than the last available forecasts by the RBA. 2. The quarterly trimmed mean inflation rate has halved inside a year, from 1.8% to 0.90% prints. 3…
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Send us a Text Message. Part 2 of our most popular episode to date - Redom continues his lessons from property investing, and adds in a few more BONUS tips along the way. The lessons include: 1. Watch out for spruikers, and a few tips on how to spot them. 2. Dream BIG. Think like Meriton. Think UNLIMITED. Your decisions will change as a result. 3. …
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Send us a Text Message. In this special episode, we go into all the lessons and learnings from my property investing journey. I candidly share my mistakes, my experiences and how i view property investing. Some lessons include: > Simplify property investing into get money, place money & manage money > Focus on wealth creation, not yield > Buy what …
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Send us a Text Message. Australia is in the middle of its biggest EVER rental crisis. Inflation on rents is in DOUBLE digits. In Sydney, its nearly 15%. The fastest on record. Its causing massive disruption to peoples lives. Its impacting the most financially vulnerable Aussies the most too. Today, Curtis and I are going to put our policy hats on a…
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Send us a Text Message. Rates on HOLD. The RBA have acknowledged GROWTH for the first time in this rate rising cycle - effectively voicing their fear that the Australian Economy may go into a recession this FY. In this pod, we go through: > Why they paused rates > What it means for housing > Whether there'll be a recession in the year ahead Curtis …
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Send us a Text Message. The housing market is in a state of paradox. Interest rates keep going up. But house prices keep rising. We ask WHY? Will it last? What is going on driving this strong rebound. Where specifically do the risks lie? The key points we unpack: · Rents are insane – near 60% UP in asking rents in 3 years · Employment is very stron…
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Send us a Text Message. The RBA Have Increased Interest Rates Again to 4.10%. It’s a hammer financial and psychological blow for households across the country. That’s 1% increase to rates in 2023 already, after 3% increases in 2022. For a million-dollar mortgage, repayments up to nearly 6k p/m from 3.7k a year ago. Up 62%! In this episode, we discu…
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Send us a Text Message. We go through a big new improvement in the mortgage market and how it helps Aussies all across the country. Mortgage Prisoners stuck on their existing loan terms now have options! A major bank has announced a 1% buffer rate policy instead of the current 3% buffer. After 11 rate rises, the eligibility tests for refinancing go…
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Send us a Text Message. In this episode, Curtis & I wind back the years and put back our 'Treasury' hats on, and unpack this year's federal budget. We also deep dive into the latest Statement of Monetary Policy by the Reserve Bank and what it means for interest rates in the months ahead. On the budget, we run through: > Will the additional spending…
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Send us a Text Message. In a shock to markets, the RBA have delivered another interest rate increase. Markets, economists and just about everybody had this wrong, pricing in a 0% chance of a rate rise. Instead, the RBA came in with a surprise and decided to increase interest rates for the 11th time in a year. In a blow to Aussie borrowers, the RBA …
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Send us a Text Message. Yesterday, on the 26th of April, inflation data covering the Jan-March 2023 period was released. It confirms that Inflation officially peaked in Australia in late 2022, and has been on its way down since. Thankfully for Aussie borrowers seeking some relief from interest rate pain, it came in lower than expected. In this epis…
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Send us a Text Message. The RBA has decided to leave the cash rate UNCHANGED. This is the first time interest rates have NOT increased since May last year. Simply, the RBA wants to wait and collect more information on the state of the economy before assessing next steps for interest rates. They have also softened their language on further interest …
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Send us a Text Message. Are Aussie Banks Safe? Lending predicts Housing. In this episode, we deep dive into lending outcomes by Aussie Banks and unpack the riskiest areas of lending in Australia. We unpack how the latest lending data released shows that Aussie borrowers are struggling to get finance, and what may be done about it in the months ahea…
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Send us a Text Message. We unpack the Aussie Housing Market Story since Covid hit our shores. Its been 3 years and housing markets have see-sawed up and down across the country. We go through: 1. Whats happened to house prices across the country since & WHY? 2. Go STATE by STATE and look around the grounds. 3. Explore how regional markets across th…
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Send us a Text Message. The RBA have increased interest rates for the 10th consecutive meeting. This takes the total increase to interest rates to 3.50%, a $2,000 increase in monthly repayments on a $1million mortgage. Despite weaker economic data coming out in the month of February, interest rates continue to rise. The RBA have signalled that they…
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Send us a Text Message. Surprise surprise... House prices in Sydney may record their first positive monthly movement in nearly a year this February. This comes of the back of a pretty sharp fall last month. What is driving the turnaround? Will it last through the year? Are we at the bottom of this cycle? We deep dive into the state of the current h…
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Send us a Text Message. The RBA have come out of the blocks STRONG after their rate decision last week. Interest rates continue their march upwards. In this episode we cover why the RBA are being clear & direct about rate rises and their forecasts for the Aussie economy. We discuss a few economic insights including: > Inflation becoming broad based…
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Send us a Text Message. The Reserve Bank of Australia has just lifted interest rates by another 0.25%, in a call widely expected by most economists. The cumulative impact of 9 consecutive interest rate rises is an increase in repayments of ~$1,950 for a $1 million mortgage. That is 50% rise in mortgage repayments in under 12 months! In this pod, we…
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Send us a Text Message. In this episode, we go through 11 Property Market Predictions we expect in 2023. By the end of this, you'll know: Why we are currently in the tightest financial conditions in nearly a decade in Australia. How regulators may change interest rates and lending assessments later in the year. Why inflation has PEAKED as at Januar…
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