Property Investment & Wealth Creation Australia | The Michael Yardney Podcast

What if someone handed you the answers before you sat the exam?
 
That's essentially what today's guest is doing.
 
After decades of personal property investing and working alongside hundreds of investors at Metropole, Adam Hubbard has distilled everything he's learned - the wins, the near-misses, and the lessons that only time and experience can teach - into 10 principles that could genuinely reshape how you approach building wealth through property.
 
These aren't theories. They're hard-won truths from someone who has lived through multiple market cycles, seen investors make the same costly mistakes over and over, and quietly built significant wealth by staying the course when others panicked.
 
By the end of this conversation, you'll know exactly what separates investors who achieve real financial independence from those who stay stuck, why the most successful investors often look boring compared to everyone else, and what Adam would do differently if he were starting out today.
 
Takeaways 
 
• Mindset shifts are crucial for evolving as a successful property investor.
• A clear investment plan is essential for navigating property markets effectively.
• Long-term perspectives help investors outperform short-term market fluctuations.
• Research is key to identifying high-growth property locations.
• Effective debt management is both an art and a science.
• Contrarian thinking helps investors ignore media hype and focus on fundamentals.
• Building a professional team treats property investment as a business.
• Market cycles and economic uncertainty require strategic navigation.
• Inflation supports long-term property wealth creation.
• Avoiding analysis paralysis is crucial for taking decisive investment steps.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.PropertyTrivia.com.au/
·        Win a hard copy of Negotiate Influence Persuade.
·        Everyone wins a copy of a fully updated property report.
 
Michael Yardney
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.
 
Adam Hubbard – Senior Wealth Strategist Metropole  https://metropole.com.au/expert/adam-hubbard/
 
Get a bundle of free reports and eBooks: www.PodcastBonus.com.au
 
Also, please subscribe to my other 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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

Australia's property market has changed gears again.
 
For the last few years, we've had a market driven by strong population growth, a chronic shortage of homes, tight rental markets and buyers who were desperate to get in before prices moved further away from them.
 
But according to Domain's latest FY2027 Forecast Report, we're now entering a very different phase.
 
Sydney and Melbourne house prices are forecast to fall over the next year, and Canberra is also expected to soften.
 
At the same time, Brisbane, Adelaide and Perth are still forecast to grow, although at a much slower pace than we've seen over the last couple of years.
 
And interestingly, Domain expects units to outperform houses in many of our capital cities as affordability pressures reshape the way Australians buy property.
 
Now, I know some people will hear this and think, "Here we go again, the market is about to fall." But that's not the way I see it.
 
This is not one national property market moving in one direction. It is a collection of very different markets, at different stages of their cycles, being influenced by interest rates, borrowing capacity, supply shortages, buyer confidence and changing investor behaviour.
 
And for property investors, that distinction matters.
 
Because averages can be misleading. Headlines can be dangerous. And forecasts are useful only if you understand the assumptions behind them.
 
Today I chat with Dr Nicola Powell about Australia's property market and the latest Domain forecast.
 
We unpack why the market is fragmenting across capital cities and what that means for buyers and investors.
 
We look at how interest rates, borrowing capacity, and rising supply are changing market conditions.
 
We discuss why houses and units are now moving in different directions, especially in Sydney and Melbourne.
 
We explore why long-term investors should focus on cycles, location, and strategy rather than short-term headlines.
 
Takeaways 
• Australia's property market is fragmenting, with each capital city following different conditions.
• Higher interest rates have reduced borrowing capacity and cooled buyer urgency.
• Sydney and Melbourne are more sensitive to rate changes because prices are already high.
• Rising supply is shifting negotiating power toward buyers in several markets.
• Price downturns are usually shorter and milder than the growth phases before them.
• Undersupply and construction costs continue to support medium-term property values.
• Units are expected to outperform houses as affordability pressures intensify.
• Well-located, owner-occupier-style apartments usually hold up better than investor stock.
• Brisbane's rapid growth has pushed unit prices toward Sydney-level territory.
• Long-term success comes from patience, quality buying, and riding market cycles.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.propertytrivia.com.au/
·        Win a hard copy of Michael Yardney's Guide to Investing Successfully.
·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.
 
Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au 
 
Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us
 
 
Michael Yardney Subscribe to my Property Update newsletter here.
 
Dr Nicola Powell - Chief of Research & Economics for Domain: https://www.domain.com.au/news/author/dr-nicola-powell/
 
Domain's FY27 Forecast Report:
https://www.domain.com.au/research/forecast-report-2027-1525739/
 
Domain's Property Cycle Report:
https://s3.ap-southeast-2.amazonaws.com/ffx.adcentre.com.au/domain/2026/QuickTakes/Domain_PriceCycle_Jul2026.pdf
 
 
Also, please subscribe to my other 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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation  Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

House prices are falling across most of our capital cities right now, and the rate of decline is actually picking up speed.
 
Now, I know what the headlines are going to say about that. They'll call it a crash, a correction, a crisis — and frankly, most of those headlines will be written to scare you, not inform you.
 
So what's really going on? Is this the beginning of something serious, or is this just a market catching its breath after three extraordinary years of growth?
 
Today, I cut through the noise as I am joined by Dr. Andrew Wilson Chief Economist at My Housing Market, who's been tracking Australian property cycles for decades. He's the person I turn to every month for the numbers that actually matter.
 
In this episode we discuss the latest shifts in Australia's property markets and what they mean for investors.
 
We unpack why capital city house prices are easing after a strong run, with higher rates, affordability pressure, and weaker confidence all playing a role.
 
We look at how Australia's property market remains highly fragmented, with some cities softening faster while others are still holding up well.
 
And we discuss why tight rental vacancies continue to push rents higher, even as buyers and sellers become more cautious.
 
We also explore why units are outperforming houses in many locations, and why that matters for investors navigating a winter market.
 
Takeaways 
 
• Australia's market is pausing after strong gains, not entering a collapse.
• Higher interest rates have reduced borrowing power and cooled buyer demand.
• Affordability pressures are pushing many buyers out of expensive house markets.
• Melbourne's top end has weakened, dragging broader median results lower.
• Perth still shows strong annual growth despite a recent easing in momentum.
• Units are outperforming houses in many capital city markets right now.
• Low vacancy rates are continuing to put upward pressure on rents.
• Chronic housing undersupply is the key long-term support for prices.
• Strong migration is adding fresh demand to already tight housing markets.
• Confidence usually returns before the spring selling season begins.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.propertytrivia.com.au/
·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.
·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.
 
Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au
 
Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.
 
 
Michael Yardney – Subscribe to my Property Update newsletter here
 
 
Also, please subscribe to my other 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. Or click here: https://demographicsdecoded.com.au/
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au

You can be wealthy on paper and still feel poor in retirement. That's the challenge for many property investors: they're asset-rich, but their cash flow doesn't support the lifestyle they want.
 
That's why many investors think retirement means selling down the portfolio, paying off the debt, and living on what's left. But what if that's not the smartest strategy? What if the better outcome is keeping your best assets and restructuring around them?
 
That's what I discuss today with Dorian Traill, Wealth Planner at Metropole, who has been involved in property and finance since the late 1990s.
 
Dorian brings a rare combination of practical lending experience, strategic property thinking, and a deep understanding of how investors can move from the accumulation stage into retirement without making panic decisions.
 
Today we're going to discuss how investors approaching retirement can retain as many quality properties as possible by restructuring finance, improving cash flow, and making strategic asset decisions.
 
And even if you're nowhere near the retirement phase of your journey yet, today's show should be of interest to you to help you how to plan the path ahead.
 
Join us as we uncover strategies to preserve wealth and enhance your property portfolio.
 
Takeaways
 
• Retaining properties can lead to long-term capital growth and inheritance benefits.
• Positive cash flow management is more crucial than eliminating debt entirely.
• Early planning helps transition smoothly from growth to retirement phases.
• Refinancing can turn negative cash flow properties into positive assets.
• Interest-only loans can provide flexibility during financial transitions.
• Selling underperforming assets can boost overall portfolio performance.
• Self-managed super funds offer tax advantages for property investments.
• Reverse mortgages can be a tool for accessing home equity in retirement.
• Debt recycling can enhance cash flow and investment potential.
• Strategic planning aligns financial goals with personal retirement aspirations.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.propertytrivia.com.au/
•          Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.
•          Every entry receives a copy of a fully updated Michael Yardney Property Report.
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.
 
Dorian Traill – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/
 
Michael Yardney – Subscribe to my Property Update newsletter here
 
Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au
 
Also, please subscribe to my other 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.
 
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.
 
We go beyond property headlines to discuss:
 
• Building long-term wealth
• Creating intergenerational wealth
• Passive income strategies in Australia
• Asset allocation and portfolio growth
• Financial freedom through property
• Strategic investing for professionals and business owners
• Risk management and wealth protection
• Structuring your investments for capital growth
• Money management and financial habits
 
If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.
 
Discover more insights at:
https://propertyupdate.com.au
https://metropole.com.au

Most people think building wealth through property is about being smart enough to pick the right suburb, time the market perfectly, or analyse the data better than everyone else.
 
What if the most important lessons weren't about property at all?
 
Albert Einstein never bought a house as an investment. He never negotiated with a bank or agonised over a depreciation schedule. But buried in the things he said across his lifetime are some of the clearest, sharpest principles I've ever come across for thinking like a long-term investor.
 
In this episode, I speak with Joseph Ballota,  senior wealth strategist at Metropole and discuss why having too much information can be just as dangerous for property investors as having none at all, why the best investors are often the ones who know what they don't know, and why every downturn in property history has quietly created the next generation of wealthy Australians.
 
Joseph shares insights on the common mistakes investors make, such as emotional decision-making and analysis paralysis.
 
Join us as we delve into how changing your mindset can transform your investment outcomes.
 
Takeaways 
 
• Understanding property investment as a process is crucial for long-term success.
• Emotional decisions often lead to poor investment outcomes.
• Building a knowledgeable investment team can prevent costly mistakes.
• A clear strategy helps navigate market uncertainties effectively.
• Acting counter-cyclically requires courage but can yield significant rewards.
• Changing your mindset can lead to better investment decisions.
• Analysis paralysis can hinder investment progress.
• A strategic approach is essential for successful property investment.
• The right team can help you see blind spots in your investment strategy.
• Investing with a framework keeps errors manageable.
 
Links and Resources:
 
Answer this week's trivia question here - https://www.PropertyTrivia.com.au/
·        Win a hard copy of Negotiate Influence Persuade.
·        Everyone wins a copy of a fully updated property report.
 
Michael Yardney
 
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us
 
 
Joseph Ballota, Senior Wealth Strategist, Metropole https://metropole.com.au/expert/joseph-ballota/
 
Get a bundle of free reports and eBooks: www.PodcastBonus.com.au 
 
Also, please subscribe to my other 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.
 
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
 
The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
 
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer's agent insights and investment planning
 
If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
 
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au