Australian Property Talk

Welcome to Australian Property Talk — I'm Redom, a property fanatic. I love sharing stories from the 1000's of investors i represent in my day job at one of Australia's biggest mortgage broking companies, Flint. I have two brilliant co-hosts who bring a perfect blend of expertise on the economy, property trends and where to buy real estate! One is a former Treasury economist, Curtis Stewart, who runs FlintInvest - an award winning mortgage broking company for property investors Australia-wide. His officially the smartest person i know, and full of golden nuggets! My other co-host is Adi Chanda, a man everybody loves, a seasoned buyers agent with a giant property portfolio and fellow property nerd. Adi runs Alaya Property with me, adding in a unique economics driven property strategy that outperforms all the herd following data-driven agents dominating the buyers agency scene in 2025.

Australian Property Talk is a business podcast hosted by Redom Syed, with 205 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Redom Syed hosts Australian Property Talk, a business show with 205 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Australian Property Talk

  Australia's Housing Crash Has Started (Sydney Down 16%)

  Aug 13, 202628 min

  Send us Fan Mail Want to buy BEFORE the data shifts, not after? Book a FREE strategy call with Curtis here: https://rebrand.ly/chatwithflintinvest Australia's housing market just went into reverse. In July, almost every capital city backflipped at once - Sydney and Melbourne now falling at an annualised pace of around 15-16%. This is the sharpest turn we've seen in a long time, and the data says it gets worse in August and September before it gets better. But a falling market is not the same as a bad market. Underneath the panic, the signals are pointing to real opportunity for buyers who can stay calm and read the economics instead of the headlines. In this episode, I break down exactly where the property market sits right now, city by city - what the numbers are actually saying, why it is happening, and what a smart investor does about it. What you'll learn: Why Sydney (-16% annualised) and Melbourne (-13.5%) are dragging the national numbers down, while the cheaper end holds up Why Darwin is the golden child - 8% yields, a strengthening economy, and why I think the data now calls it a buy The giant Brisbane backflip - from a 12-month rate of +15% to a current annualised pace of around -7% Why Canberra scares me long term - the AI and consulting risk that could reshape the whole market Where Perth, Adelaide and Hobart sit after Perth's growth flatlined from 20%+ The 3 markets I like most right now, and why this moment is "panic meets opportunity" Subscribe for weekly, data-driven breakdowns of the Australian property market. #AustralianProperty #PropertyInvesting #HousingMarket #RealEstateAustralia #PropertyMarket Chapters 00:00 We may be at the start of the worst housing crisis 02:59 Darwin - the one market still booming 06:19 Sydney and Melbourne down 15-16% annualised 08:44 Brisbane's giant backflip 10:28 Canberra - the AI risk to consulting and property 21:09 Adelaide, Hobart and Perth 23:52 Panic meets opportunity - where the buys are This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au

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  Australian Property Talk

  How These 3 Investors Are Growing In A Brutal Market

  Aug 6, 202633 min

  Send us Fan Mail BUY smarter with Alaya Property's economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest Grab the free budget calculator + Melbourne apartment suburb-ranking tool in the links below. Run the numbers on your Melbourne apartment - pick a suburb, enter your situation, get your estimated monthly cost and Alaya's full investment scorecard in under 2 minutes: https://rebrand.ly/melbaptcalculator See how the proposed tax changes hit your property portfolio - enter your situation and get your personalised impact estimate in under 2 minutes: https://rebrand.ly/taxreformcalc Property investing isn't one-size-fits-all - it comes down to your circumstances. In this episode Kurt and I open up three real, live client scenarios we're working on right now and show exactly how each one is being structured to build wealth in a tough 2026 market. Three profiles, one goal, three very different playbooks: a first-time investor on a casual income who engineered their borrowing power to buy in Sydney, an advanced investor using a lender mix and a growing side business to fund a third purchase, and a business owner with a trust-and-company portfolio weighing up $2 million versus $5 million of borrowing. What you'll learn: - How a young investor on casual income annualised 6 months of pay to unlock a higher borrowing power - Why the "cheaper" lender isn't always right - choosing for cash-out flexibility and saving LMI twice - How an investor with a side business used a lender mix and an 18 to 24 month refinance plan to fund a third property - Why income acceleration is one of the most powerful levers in property investing - How a business owner could split entities across banks to lift borrowing power from about $2 million to $5 million - and why she chose not to - Why a higher borrowing-power number is not automatically the right answer - When to change gears - from aggressive growth to lowering LVRs and locking in income - Subscribe for calm, data-led Australian property and finance analysis every week. #AustralianProperty #PropertyInvesting #MortgageBroker #PropertyPortfolio #FirstHomeBuyer Chapters 0:00 Intro: 3 investor stories 2:24 Scenario 1: the first-time investor 4:20 Engineering income to unlock borrowing power 10:06 Why the right lender mattered (saving LMI twice) 14:07 Scenario 2: the advanced investor with a side business 15:51 The lender mix and the refinance exit plan 19:03 Why income acceleration is everything 22:09 Scenario 3: the complex business owner 23:17 Splitting entities across banks: $2M vs $5M 25:47 Why more borrowing power isn't always the answer 26:58 Changing gears: from growth to lowering risk 31:11 What it means for you This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au

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  Australian Property Talk

  Investor Lending Just Fell Off A Cliff

  Jul 29, 202628 min

  Send us Fan Mail BUY smarter with Alaya Property's economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest Grab the free budget calculator + Melbourne apartment suburb-ranking tool in the links below. Run the numbers on your Melbourne apartment - pick a suburb, enter your situation, get your estimated monthly cost and Alaya's full investment scorecard in under 2 minutes: https://rebrand.ly/melbaptcalculator See how the proposed tax changes hit your property portfolio - enter your situation and get your personalised impact estimate in under 2 minutes: https://rebrand.ly/taxreformcalc Investor borrowing power has been smashed. It's July 2026, the first month of the new financial year, and investor lending has fallen off a cliff. Our own numbers at Flint are down around 40% year on year, and across the buyer's-agent industry sign-ups are down 50 to 70%. The rules have changed - but if your circumstances still stack up, you can keep growing a portfolio. It just takes a smarter, more creative playbook. In this episode Kurt and I walk through exactly how. In this discussion we break down the questions we ask investors right now: how to map your "jigsaw" of entities and find hidden capacity, why being over-borrowed in one entity and under-borrowed in another is an opportunity, the creative move of shifting debt into a trust without selling, why cash beats borrowing power on paper, the servicing-vs-deposit trap, and why interest-only terms matter as much as rates. What you'll learn: - Why investor lending is down about 40% and buyer's-agent sign-ups 50 to 70% - How to map your portfolio across entities to find borrowing capacity you did not know you had - Why being over-borrowed in one entity and under-borrowed in another is an opportunity - The creative move: shifting loans into a trust without selling the asset, and the narrow situations it actually works for - Why released equity and cash beat a bigger borrowing-power number on paper - The servicing-vs-deposit seesaw, and why banks will not let you max both - Why interest-only terms, not just rates, can quietly wreck your servicing Subscribe for calm, data-led Australian property and finance analysis every week. #AustralianProperty #PropertyInvesting #MortgageBroker #PropertyPortfolio #InterestRates Chapters 0:00 Intro 2:05 Investor borrowing power has been smashed 4:04 The data: investor activity down ~40% 6:46 Why buyer's agents are dropping 50-70% 9:04 Step 1: map what you own (the jigsaw) 11:35 Over-borrowed vs under-borrowed = opportunity 12:27 The creative move: shift debt into a trust 17:22 Why these buying conditions are attractive 20:05 Cash is king: equity beats borrowing power 22:56 The seesaw: servicing vs deposit 25:04 Interest-only terms and rate modelling 28:19 What it means for you This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au

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  Australian Property Talk

  Why 6 To 8 Rate Cuts Are Coming By 2027

  Jul 2, 202630 min

  Send us Fan Mail 👉 BUY smarter with Alaya Property's economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya 👉 Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest 🔗 Grab the free budget calculator + Melbourne apartment suburb-ranking tool in the links below. 👉 Run the numbers on your Melbourne apartment - pick a suburb, enter your situation, get your estimated monthly cost and Alaya's full investment scorecard in under 2 minutes: https://rebrand.ly/melbaptcalculator 👉 See how the proposed tax changes hit your property portfolio - enter your situation and get your personalised impact estimate in under 2 minutes: https://rebrand.ly/taxreformcalc The last 90 days have fundamentally changed the Australian economy. Three rate rises from the RBA, a wave of government tax changes, and the "everything everywhere" boom of last year has flipped into the fastest housing decline we have seen - and almost all of it is self-inflicted. So here is my call. I think this is the biggest policy mistake I have watched an Australian government make, and it forces the other side of the trade: 6 to 8 rate cuts by the end of 2027. In this episode Curtis and I put our Treasury hats on and walk through exactly why, step by step. In this discussion we trace the chain reaction - a 20% collapse in property transactions, the housing multiplier that drags the whole economy down with it, credit growth falling off a cliff, record-low confidence, and a trillion-dollar wealth wipeout - then why all of that forces the RBA back to neutral, and what it means if you are buying. What you'll learn: - Why property transactions could fall 20% or more, back to 2018 levels, and why that hits far more than housing - The housing multiplier: how roughly 20% of economic activity is property-related or adjacent - Why credit growth may fall from about 8% to 2.9% (ANZ's forecast) - How consumer confidence at a 53-year low freezes spending across the economy - The wealth effect in reverse: what a trillion-dollar wealth wipeout does to cars, retail and hospitality - Why the RBA and most economists only "tweak the edges" and miss the wild swings - The case for 6 to 8 rate cuts by the end of 2027, starting with 4 back-to-back to get back to neutral - Why these conditions hand buyers rare negotiating power right now - Subscribe for calm, data-led analysis of the Australian property market and economy every week. #AustralianProperty #InterestRates #RBA #RateCuts #PropertyMarket Chapters 0:00 The predictions, in 60 seconds 0:44 90 days that broke the market 2:04 The call: 6 to 8 rate cuts by 2027 4:12 Reason 1: a 20% collapse in transactions 10:52 Reason 2: credit growth falls off a cliff 12:02 Reason 3: confidence at a 53-year low 13:53 Reason 4: the trillion-dollar wealth wipeout 16:03 Why the RBA keeps getting it wrong 20:00 Reason 5: back to neutral rates 23:03 Four back-to-back cuts explained 25:05 Phase two: 2027 27:39 What it means for buyers This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au

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  Australian Property Talk

  The Government Just Banned This - You Have 6 Weeks Left

  Jun 30, 202626 min

  Send us Fan Mail 👉 BUY smarter with Alaya Property's economics-driven strategy, getting in BEFORE the data shifts. Book your FREE call now: https://rebrand.ly/chatwithalaya 👉 Work with MORTGAGE BROKERS who invest themselves & know markets Australia-wide. Book your FREE strategy session here: https://rebrand.ly/chatwithflintinvest 🔗 Grab the free budget calculator + Melbourne apartment suburb-ranking tool in the links below. 👉 Run the numbers on your Melbourne apartment - pick a suburb, enter your situation, get your estimated monthly cost and Alaya's full investment scorecard in under 2 minutes: https://rebrand.ly/melbaptcalculator 👉 See how the proposed tax changes hit your property portfolio - enter your situation and get your personalised impact estimate in under 2 minutes: https://rebrand.ly/taxreformcalc The government has just moved to ban SMSF lending for residential property, with a cut-off around the middle of August 2026. If you run a self-managed super fund and you have ever thought about using it to buy an investment property, this is the change that closes that door. In this episode we walk through the policy itself, who it hits, and the exact steps and timing involved if an SMSF purchase is something you are looking into. We also dig into why this one is hard to make sense of as policy, given SMSF buyers tend to sit at the lower-risk, longer-hold end of the market. What we cover: 📌 What the ban actually does - no new SMSF loans for residential property, while commercial property and other assets are untouched 📌 Why new and off-the-plan residential is caught too, and what that means for developers relying on presales 📌 The real timeline - roughly 45 days after royal assent, landing around mid August (exact date still to be confirmed) 📌 The boxes you need ticked before the cut-off - SMSF set up, cash moved in, bare trust in place, and the contract signed in the bare trust's name 📌 Why moving your super across is usually the slowest part of the process 📌 Roughly where SMSF lending rates and LVRs sit right now, and why this lending is slower and more paperwork-heavy than a personal loan 📌 The step-by-step if you want to explore it - speak to a broker, speak to an accountant, and start the property search at the same time This is general information about a policy change, not a recommendation to buy. Whether an SMSF purchase suits your situation is a question for a licensed adviser and your accountant - the adviser handles the structure, we handle the asset. Subscribe for calm, evidence-led breakdowns of the policy and market changes that actually move Australian property. #AustralianProperty #SMSF #Superannuation #PropertyInvesting #MelbourneProperty Chapters 00:00 The ban nobody saw coming 00:35 Another shocking announcement 01:48 Curtis on why this was a total surprise 02:52 The pension argument it ignores 04:24 What has actually changed 06:07 Are SMSF loans really riskier? 07:20 Why this one goes too far 08:07 The hit to buyers agents and brokers 09:54 The compounding example 11:48 A safe unit vs a shiny office 13:35 You have 6 weeks - the call to action 14:49 Why Alaya's team has pivoted to SMSF 16:31 The exact dates and what you need done 18:49 SMSF rates, LVRs and how the lending works 20:37 The step by step 22:09 Should you actually do this? 23:24 What to buy and the final word This video is provided by Confidence Finance Pty Ltd (ACL 488313) & Flint Trademark Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Reach out to us at www.australianpropertytalk.com.au

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