Australian Property Talk

Redom Syed
  • 5.0 (1)
  • Investing
  • Updated Weekly

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.

  1. 12h ago

    Banks Are Getting Desperate (New Lending Loopholes Exposed)

    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 We are in the middle of a giant property downturn - and the banks are falling over themselves to open the lending taps back up. Fixed rates are being cut and lenders are rewriting their rule books to get money out the door. To me, those are the early green-light signals that a new cycle is starting. This is not about a flood of new purchases. It is about restructuring and optimising the portfolio you already own while the conditions are in your favour. In this episode I sit down with Curtis to break down the craziest new lending policies on the table right now and exactly how to use them. What you'll learn: 📍 The early signals I watch to call the bottom of a property cycle - falling fixed rates and banks loosening their policies 📍 Why banks lending harder tells you they still see property as the safest asset there is 📍 AMP's 40-year loan term - a 30-year P&I assessment with up to 10 years interest only loaded at the front, for roughly a 5-10% borrowing boost 📍 Why that structure can be a jackpot when another bank assesses your existing debt 📍 Pepper's genuine 40-year term for stretching borrowing power on a new purchase 📍 Liberty joining the First Home Guarantee scheme - 5% deposit, government-covered LMI, with more flexible income rules 📍 The advanced play - separating who owns the property from where the debt sits, using an SPV, trust or company 📍 Why I think now is the window to buy your owner occupier at up to a 20% discount in the $2 million+ market Subscribe for weekly, data-driven breakdowns of the Australian property market. #AustralianProperty #PropertyInvesting #BorrowingPower #HomeLoans #FirstHomeBuyer Chapters 00:00 Banks are opening the lending taps again 02:04 The green-light signals a new cycle is starting 04:39 Why banks lending harder means the bottom is near 06:24 Crazy policy #1: AMP's 40-year loan term 11:56 How much more you can actually borrow 16:46 Why it's a jackpot when you refinance elsewhere 21:04 Pepper's 40-year term for upgraders 22:14 Buying your owner occupier at a 20% discount 25:55 Liberty joins the First Home Guarantee scheme 31:47 The creative one: splitting ownership from debt 36:11 The opportunity inside the 2026 downturn 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

  2. 3d ago

    Why NOW Is the Best Time to Refinance in Years

    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 The lending market has shattered in the last 90 days. Purchases have gone quiet post-budget, so every bank in the country is now hunting for your business - and that has opened a refinance window we have not seen in years. Here is the hot tip up front: if you have not reviewed your mortgage in a while, right now is when a proper look actually pays off. Rates are sharp, valuations are strong, and the banks are fighting over each other to win refinances. In this episode I sit down with Curtis, who runs a $1 billion+ lending pipeline across every major bank, to unpack exactly what is happening, why it is happening, and the borrowers winning the most right now. What you'll learn: 📍 Why the lending market flipped in 90 days, with NAB lending down around 20% and banks pivoting hard to refinances 📍 Why a slower-growth market means the biggest lever you have is your interest cost, not your next purchase 📍 The real rates now - owner occupier refinances into the 5.95% range, roughly 20 basis points off what most people are sitting on 📍 Why borrowers under 70-80% LVR with a decent loan size are getting the sharpest deals 📍 The 1% refinance buffer that can move you off a 7%+ non-bank rate, even without a full servicing assessment 📍 Why your borrowing power is about 20% higher on a refinance than on a purchase 📍 How desktop valuations across multiple banks can demonstrate a lower LVR and unlock a better rate Subscribe for weekly, data-driven breakdowns of the Australian property market. #AustralianProperty #Refinance #MortgageRates #PropertyInvesting #HomeLoans Chapters 00:00 The lending market just shattered 01:34 Why banks are hunting refinances now 02:36 Slower growth means optimise what you own 04:08 What is really driving the mortgage war 06:27 The rates you can actually get today 10:04 The refinance window - and why it won't last 14:14 Who benefits, and who this doesn't apply to 14:50 Stuck with a non-bank at 7%? The 1% buffer 17:44 Why borrowing power is higher on a refinance 20:07 How desktop valuations work in your favour 21:12 Now is the time to review your rate 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

  3. Aug 13

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

    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

  4. Aug 6

    How These 3 Investors Are Growing In A Brutal Market

    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

  5. Aug 3

    Why AI Data Centres Could Change Australian Property For The Next 10 Years

    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 Australian economy has had a rough few years, but there is one genuine silver lining hiding in the data - and it is already reshaping where property demand is heading. The whole world is leaning on AI, and all of that usage has to be powered somewhere. That "somewhere" is increasingly Australia: a safe, stable country with land, sun, water potential and space to build. The result is a wave of AI data centre investment that behaves a lot like the early-2000s mining boom - huge capital flowing in, big spillover effects, and a footprint concentrated in very specific parts of the country. In this episode, Redom Syed and Kurt unpack what an AI data centre actually is, why so much global capital is targeting Australia, and what it means for property investors - both the opportunities and the risks. 📌 What you'll learn: 📌 Why data centre investment drove the majority of Australia's recent GDP growth, and how it echoes the mining boom 📌 What a data centre really is, and why it works like a giant, fast-moving property development 📌 Why Australia specifically is such a magnet for global AI capital - land, power, water, safety 📌 Where the money is concentrating: Western Sydney, Western Melbourne, the Hunter and Geelong 📌 How the spillover effects - jobs, wages, a renewable energy build-out and construction demand - ripple through the economy 📌 Why this could keep upward pressure on construction costs and slow interest rate falls 📌 What it may mean for blue collar vs white collar property markets, and how to think about your strategy Subscribe to Australian Property Talk for calm, data-led takes on where Australian property is really heading. #AustralianProperty #PropertyInvesting #AIDataCentres #MelbourneProperty #AustralianEconomy Chapters 00:00 The silver lining hiding in a weak economy 00:38 Why AI data centres could be the next mining boom 02:52 The positive side of the AI story 03:44 What a data centre actually is 05:08 How much of GDP growth this really drove 06:35 Capital, not mass jobs - the mining parallel 08:11 Tax, power and water - the government's leverage 09:22 The spillover effect and a renewable energy boom 11:09 Think of it as a giant, fast property developer 12:52 Site, approvals, build, operate - how it gets made 14:29 Will this push up construction costs? 16:57 Why buying below replacement cost gets stronger 18:00 Why Australia wins - land, sun, water, safety 19:32 Could this keep us out of recession? 20:29 The risk to investors and interest rates 21:48 A geographically concentrated boom 23:21 What it means for your property strategy 25:07 Where Alaya has been buying, and Darwin 27:09 Final takeaways for investors 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

  6. Jul 29

    Aussie Banks Are in Trouble. 3 Moves to Benefit

    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

  7. Jul 13

    Why Smart Investors Are Leaving Houses For This

    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 Residential investing has always been the easy door. Fast valuations, cheap money, release equity, buy again. But with tighter borrowing power, rate rise after rate rise and big changes hitting SMSF lending, more investor demand is being pushed towards commercial property - largely because it is one of the doors still open. The problem is commercial does not behave like resi. And moving towards it just because it is open is a fast way to make a poor decision. In this episode I sit down with Curtis from Flint - who has overseen more than 1 billion dollars in lending flows - to unpack how commercial property actually fits inside a property investor's portfolio, how the lending really works, and where the risks sit. We walk through the real numbers on a chunky deal, why the lease matters more than the building, and why in commercial the signed contract is the start of the process, not the end. 📌 What you'll learn: 📌 The difference between owner-occupier and passive commercial investing, and why banks treat them differently 📌 The rule-of-thumb numbers - why a 70% loan needs roughly a 7% net yield to stack up, and how lease-doc lending works 📌 Why the lease, the tenant and the strength of the business paying rent matter more than the bricks 📌 How value is forced in commercial - fix the vacancy, get a tenant on a good lease, lift the asset value 📌 A real scenario - buying a shop that has sat vacant for 6 months next to one you already own 📌 Which lenders play where, from the big banks to specialist non-banks, and when to refinance 📌 What SMSF and sub 1.5 million dollar commercial buys look like, and why you should budget a 35% deposit 📌 Why the buying process is longer - due diligence, expensive valuations, app fees and 90-day settlements My read at the end is measured: in conditions like these, play defence. Commercial being the open door does not make it the right door. What you are really buying is the lease, and a view on where the economy is heading. If you want clear, economics-led property strategy, subscribe and hit the bell so you never miss an episode. #AustralianProperty #CommercialProperty #PropertyInvesting #SMSF #PropertyFinance Chapters 00:00 Why commercial is a different game to resi 02:07 What commercial actually means - owner-occupier vs passive investor 03:32 Lending terms for passive commercial investors 05:08 The numbers on a chunky deal - deposit, yield and cash flow 06:52 The loan process and why valuations are harder 07:36 How commercial sits inside a resi portfolio 08:07 Why the lease is everything 09:41 Real scenario - buying a vacant shop next door 11:07 Forcing value through the lease 14:01 Which banks lend and where 15:30 SMSF and sub 1.5 million dollar commercial buys 19:17 The buying process, legals and costs 21:35 Redom's verdict - should you actually do this 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

  8. Jul 2

    Why 6 To 8 Rate Cuts Are Coming By 2027

    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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About

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.

Information

  • Creator
    Redom Syed
  • Years Active
    2022 - 2026
  • Episodes
    206
  • Rating
    Clean
  • Copyright
    © 2026 Australian Property Talk
  • Show Website
    Australian Property Talk

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