The Property Couch

Could the next two years be one of the best times to buy property?
In this Friday Fundamentals episode, Ben Kingsley is joined by Stuart Wemyss to unpack what's really driving property prices and why the current market could present opportunities for buyers willing to think differently.
While many Australians are waiting for greater certainty, Stuart explains why lending volumes, not headlines, are often the biggest driver of property price growth.
Together, they discuss why lower confidence can actually create better buying conditions, how credit availability influences markets, and why supply could be the biggest challenge facing buyers over the coming years.
They also explore:
✅ Why lending volumes are a leading indicator of property prices
✅ The impact of interest rates, credit policy and buyer confidence
✅ Why investors may be stepping back from the market
✅ How supply constraints could support prices
✅ Whether buyers should wait for the "perfect" time
✅ Lessons from purchasing during the GFC
Because when everyone is waiting for certainty, opportunities can often emerge for those prepared to act.
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
⏱️ Timestamps
00:00 Could now be the perfect buying window?
00:45 What drives property prices?
01:31 Why lending volumes matter most
02:08 The three biggest drivers of credit growth
02:52 Why the next 24 months could favour buyers
03:14 Stuart's GFC buying story
03:37 The best time to buy property
04:46 Investor lending and market activity
05:06 Why supply could be the biggest challenge
06:10 Why prices may remain in equilibrium
07:20 Could APRA change lending settings?
08:08 What falling loan volumes could mean
09:15 Who benefits most from uncertain markets?
10:18 The danger of waiting for perfect conditions
11:05 Looking back from 2036
11:30 Supply, demand and market timing
11:42 Why it doesn't take much to move a market

#PropertyInvesting #PropertyMarket #PropertyPrices #LendingVolumes #MarketInsights #RealEstate #PropertyStrategy #FinancialFreedom #ThePropertyCouch #FUNdamentalFridays #PropertyInvestor #InvestingAustralia
LISTEN TO THE FIRST 20 EPISODES HERE >>

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What if the “safe” property decision you make today is the one you regret in 20 years? 🤔 
With the rules around property investing changing, these are the decisions investors are being forced to rethink. 
Joining Ben Kingsley and Luke Oxenham is Stuart Wemyss, founder of ProSolution Private Clients, host of the Investopoly podcast and author of Wealth by Design. 
Together, they challenge some long-held assumptions about building wealth: Is diversification always a good thing? Has the family home become the ultimate tax haven? Can property still stack up without negative gearing? And was your first property ever really meant to be held forever? 
Plus, Stuart reveals what investors should be focusing on if negative gearing never returns, and why the best financial decision might not be the one that feels safest today. 
Because when you’re building wealth, Stuart argues there’s one perspective that changes everything: 
⏳ Think decades, not days. 
 
Free Stuff Mentioned 
Updated Property Case Studies 📊
See how the latest tax changes impact all seven case studies from How to Retire on $3,000 a Week, plus a brand-new bonus case study.
👉 Join the Waitlist for early access - for FREE!   
 
PIPA Annual Investor Sentiment Survey 🏡
Have your say on investor confidence, market trends and the impact of policy changes, helping PIPA advocate for balanced, evidence-based property policy.
👉 Take the Survey  
Wealth by Design by Stuart Wemyss 📖
Discover Stuart’s eight rules for smarter investing and building financial freedom.
👉 Check Out the Book  
🎧 Investopoly Podcast 
Hear more of Stuart Wemyss’ insights on property, investing and long-term wealth creation.
👉 Listen to Investopoly 
🔄 Listen to our other great episodes with Stuart here >>  
🔄 Listen to our Tax Extraordinaire Julia Hartman’s episodes here >> 

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
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- How to Build a Property Portfolio and Retire on $2,000 a week >>

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- Make Money Simple Again

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The RBA has held the cash rate at 4.35% — but that doesn’t mean the rate story is over.
In this August Economic & RBA Update, Ben Kingsley and economist Evan Lucas unpack the decision, why inflation is still proving stubborn, and why another rate rise hasn’t been ruled out. 
💡 Thinking about refinancing or adjusting your loan strategy? Let the Empower Wealth Mortgage Broking team help you compare your options.

LISTEN TO THE FIRST 20 EPISODES HERE >>

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- How to Build a Property Portfolio and Retire on $2,000 a week >>

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- Make Money Simple Again

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How do you know when you've bought enough property?
In this Friday Fundamentals episode, Polly Chu is joined by mortgage broker Luke Oxenham to tackle a question from listener Andrew:
"How do you know you're ready to land the plane?"
For many investors, the accumulation phase becomes second nature. The focus is always on the next property, the next equity release, and the next opportunity.
But what happens when you've built the portfolio you need?
Luke and Polly explore why there is no universal number of properties, why borrowing capacity shouldn't determine your investment goals, and how investors can start thinking about debt reduction, passive income and lifestyle by design.
They also unpack:
✅ Why "enough" looks different for every investor
✅ The role of passive income in defining your finish line
✅ Why lenders don't decide when your journey ends
✅ The transition from accumulation to consolidation
✅ Debt reduction strategies as retirement approaches
✅ Balancing wealth creation with actually enjoying life
Because at the end of the day, money is a tool, and investing should help fund the life you want to live.
Got a question or a "hill" you'd like us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
⏱️ Timestamps
00:18 Andrew's question: "When do you land the plane?"
01:29 Why there's no universal finish line
02:20 Why borrowing capacity shouldn't define success
03:19 Working backwards from passive income goals
05:05 Defining your ideal retirement lifestyle
05:44 Accumulation vs debt reduction
06:39 Why paying down debt matters
07:41 Interest-only vs principal-and-interest strategies
09:17 When should investors start enjoying life?
10:15 Money is a tool, not the destination
11:34 Just because the bank says yes...
12:14 Why enough is personal
12:31 Final thoughts
LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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Regional markets have boomed. Melbourne's established units are back in the spotlight. And after the government's latest tax changes, many investors are asking the same question: Has the property playbook changed? 
In this week's Q&A, Ben Kingsley is joined by Polly Chu and Ben Thompson to answer five listener questions from every stage of the property journey. 
In this episode, we answer: 
✔️ Is How to Retire on $3,000 a Week still relevant after the government's tax changes? 
✔️ Have regional property markets become too risky? 
✔️ Melbourne character unit or affordable house—which offers the better long-term opportunity? 
✔️ What's the smartest way to manage your money after buying your first home? 
✔️ And if you don't have children, should that change how you build—and eventually spend—your wealth? 
Tune in now! 

Free Stuff Mentioned 
📊 UPDATED: Polly & Ben.T’s Case Study Series  
See how the government's latest tax changes impact every case study (Plus an all-new bonus case study) from our best-selling book, “How to Retire on $3,000 a Week.”  
👉 Join the Waitlist 
🎥 Free Property Webinars
Register for upcoming webinars and unlock our library of past property investing sessions.
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📱 Moorr: Revolutionary Money Management Tools  
Take control of your money with 100+ free tools, including the new Break-Even Calculator.
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Books:  How to Retire on $3,000 a Week 
Make Money Simple Again  

Resources from Q5:  Somatic mutations impose an entropic upper bound on human lifespan 
Moonshots with Peter Diamandis 

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube