Property Banter by Pinnacle Buyers Agents

Pinnacle Buyers Agents
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Welcome to Property Banter, the top Australian property investing podcast by Pinnacle Buyers Agents. Hosted by director Michael Ležaja, a Buyers Agent with 12+ years experience, we deliver real talk on property market trends, data-driven suburb insights, investment strategies, lending tips, and building wealth through real estate. Join Michael with guests - investors, brokers & analysts like Dr. Mat from HtAG Analytics - for case studies, market data, and advice to avoid mistakes. Perfect for entry-level investors right through to seasoned investors navigating Australia's housing market.

  1. 4d ago

    4.35% Interest Rates?! Create Instant Equity With Rising Interest Rates

    Interest rate hikes in Australia are creating property investment opportunities for buyers who know what to look for, especially while other investors are sitting on the sidelines. In this episode, Michael breaks down why rising rates, reduced borrowing capacity, weak market sentiment, and low competition can create the perfect window to buy undervalued investment properties. He explains why ugly properties, under-rented homes, messy tenants, granny flat potential, subdivision upside, and poor presentation can be exactly where smart investors find value. If you’re wondering how to invest during interest rate rises, what properties to target, or how to spot opportunities before the herd comes back, this episode is packed with real-world strategy –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 0:30 — 4.35% Rates — What Changed and What Hasn’t 1:49 — Borrowing Capacity Drop — The Advantage for Savvy Buyers 2:20 — $400K Case Study — The Ugly House No One Wanted 4:01 — $13K Renovation Strategy — Kitchen, Paint & Floating Floors 4:58 — 800sqm Block Upside — Granny Flat and Subdivision Potential 6:26 — $400K to $800K — How the Property Doubled in 3 Years 6:52 — Long-Term Hold Strategy — Why Quality Stock Matters Now –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    7 min

  2. May 28

    Could Investors Pay Less CGT Under the New Tax Rules?

    Australia’s proposed negative gearing and capital gains tax changes could completely change how property investors compare new builds vs established properties, but the real story is not what most headlines are saying. In this episode, Michael is joined by Josh to model the numbers, break down the tax impact, and reveal why chasing depreciation benefits may not be the smartest strategy. They also show why “lazy investing is dead” — and why investors need better data, stronger yield strategies, and sharper asset selection moving forward. If you’re a property investor trying to understand the proposed tax changes, new build incentives, negative gearing, CGT, or how to build wealth in the next market cycle, this episode is a must-watch. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:08 — Proposed Tax Changes — Negative Gearing, CGT & Investor Panic 7:49 — $800K Property Model — Existing vs New Build Under New Rules 14:18 — Yield Strategy Shift — Granny Flats, Duplexes & Rent Boosts 16:09 — New CGT Model Explained — Inflation, Indexation & Real Gains 17:07 — $800K Example — How Outperformance Changes the Profit 21:37 — Old Rules vs New Rules — Could Investors Pay Less CGT? 32:03 — Lazy Investing Is Dead — Why Data-Driven Investing Wins –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/playlist?list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    33 min

  3. May 18

    5 Reasons Buying in Melbourne Is A Mistake

    Melbourne property investing in 2026 is one of the most debated topics in Australia, but is Melbourne really the next big property market, or are investors walking into a slow-burn trap? In this episode, Michael takes a contrarian look at Melbourne, unpacking why Victoria’s debt, taxes, lockdown scars, crime concerns, investor regulations, and weak interstate migration could make Melbourne far more complicated than the “buy Melbourne now” narrative suggests. If you’re thinking about buying in Melbourne, waiting for a Sydney-style catch-up, or trying to understand where Australian property markets may move next, this episode is for you –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:20 — The Lockdown Hangover — Why Melburnians Still Want Out 4:00 — The Buyer’s Agent Reality Check — What Melbourne Locals Are Really Saying 5:23 — Investor Taxes & Regulation — Why Victoria Feels Anti-Investor 6:52 — Melbourne Isn’t What It Was — The Decline of a Once-Vibrant City 8:00 — Crime, Debt & Government Pressure — The Bigger Melbourne Risk Factors 10:48 — International vs Interstate Migration — Why Not All Growth Is Equal 12:11 — Why Victoria Is a Slow Burn — Don’t Expect Instant Catch-Up Growth 15:48 — The Final Warning — Asset Selection Matters Most in Victoria –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc See more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    17 min
  4. EP 74 | Brisbane Falling 10%?! The Correction Creating Opportunity

    Apr 14

    EP 74 | Brisbane Falling 10%?! The Correction Creating Opportunity

    In this episode, Michael Ležaja breaks down what’s really happening in the Brisbane property market as rising interest rates begin to impact buyer borrowing capacity and shift market sentiment 📉🏠 He explains why certain segments—particularly the $1M–$1.3M bracket in lower-performing areas—could see corrections of up to 10%, while entry-level markets remain resilient. Michael also dives into the growing gap between buyers and sellers, why a buyer’s market is emerging, and where the real opportunities lie for investors who understand strategy and timing. From on-the-ground insights to real deal examples, this episode is essential for anyone looking to navigate the changing market and capitalise on the next wave of opportunity 🔥 -------------------------------------------------------------------------------------------------------------------------- 0:00 – Introduction - 10% Brisbane Correction and how you win 1:29 – The Data Behind the 10% Brisbane Correction 10:43 – How To Get Around The Correction – What if you don't have $1M? 13:19 – Summary -------------------------------------------------------------------------------------------------------------------------- Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVcSee more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmartDisclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    16 min
  5. EP 73 | CGT Cut Could Wipe Out Your Profits…

    Apr 7

    EP 73 | CGT Cut Could Wipe Out Your Profits…

    In this episode, Michael Ležaja is joined by Jeremy Iannuzzelli as they break down the potential changes to the 50% capital gains tax discount and what it really means for property investors 📊 They unpack the fear in the market, why most investors are thinking about it the wrong way, and how smart investors are adapting their strategies to stay ahead 🧠 From prioritising cash flow and targeting lower entry price points to adding value through granny flats and under-rented properties, this episode highlights the exact moves being made right now to build resilient portfolios in a shifting market. If you’re serious about investing and want to understand how to play the game as the rules change - this one’s a must-watch 🔥 ––––––––––––––––––––––––––––––––––––––––– 0:00 – Introduction 0:58 – Italy Out of The World Cup 3:14 – CGT Cuts, New Investment Strategy, Should You Invest? 5:22 – What's On The Horizon after the CGT Cuts? 12:09 – Should You Invest After the CGT Cuts? 14:13 – Will The Property Market Crash? 18:31 – What The Top Investors Are doing 28:26 – 5 Things Investors Can Do To Counteract The Coming Market 36:45 – Summary – CGT Cuts, New Investment Strategy, Should You Invest? –––––––––––––––––––––––––––––––––––––––––Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVcSee more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmartDisclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    40 min
  6. EP 72 | What’s Next for Australian Property: Oil Crisis Update!

    Mar 31

    EP 72 | What’s Next for Australian Property: Oil Crisis Update!

    In this episode, Michael Ležaja breaks down the real impact of the oil crisis and rising interest rates on the Australian property market - revealing why open home numbers are dropping, auction clearance rates are weakening, and buyers are starting to hesitate. But while many sit on the sidelines, Michael explains why this shift is actually creating a rare window of opportunity for investors who understand the fundamentals. He dives into the critical importance of cash flow and yield in today’s market, exposes common investor mistakes, and shares several high-potential, entry-level hotspots across Australia that are still delivering strong returns. If you’re serious about making smart moves in 2026, this is an episode you can’t afford to miss. ——————————————————————————————0:00 - Introduction 1:17 - From Frenzy to Silence4:01 - Auction Clearance Rates 5:04 - Interest Rate Hikes are coming 11:08 - 2026 Property Investment Strategy – How It Will All Play Out 13:38 - 3 Hotspots You Should Invest In 14:18 - Ballarat East, Victoria 15:17 - Midway Point, Tasmania 17:26 - Millner, Northern Territory 18:36 - Extra Hotspot – Kewarra Beach, Cairns, QLD 20:34 - Summary —————————————————————————————— Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc  See more from PBA: https://linktr.ee/pinnaclebuyersagents  Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc  #PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmart Disclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    23 min
  7. EP 71 | Will There be Another Great Financial Crash? Should You Buy Property?

    Mar 24

    EP 71 | Will There be Another Great Financial Crash? Should You Buy Property?

    In this episode, Michael Ležaja is joined by Matija Djolic, from HtAG Analytics, to discuss today’s economic uncertainty — rising interest rates, surging oil prices, and increasing construction costs — could actually be the biggest wealth-building opportunity since COVID 📈 They unpack how inflation, supply shortages, and population growth are quietly setting the stage for the next property cycle, and why waiting on the sidelines could cost investors hundreds of thousands. From the psychology of indecision to the importance of buying in low-supply, high-demand areas, this episode reveals exactly how smart investors are positioning themselves right now to capitalise on what could be the next major wealth transfer 🔥 If you’re serious about property investing, timing the market, and building long-term wealth, this is one you don’t want to miss.------------------------------------------------------------------------------------------------------------------------------------------------------------------0:00 - Introduction1:01 - What's happening in the world right now – Oil prices, war in Iran, rate rises3:46 - Comparison between now & COVID4:21 - Investing in today's world - property prices WILL go up 9:11 - Is It worth it to get a buyers agent now?11:17 - This is the next big opportunity since COVID14:27 - How oil prices will affect construction costs - the Olympics & housing supply19:16 - What will be the flow on effect of the fuel crisis?25:05 - What should be your portfolio strategy going forward?36:01 - Who does the debasement of currency affect? - Lower, middle or upper class?37:26 - Wrap up ------------------------------------------------------------------------------------------------------------------------------------------------------------------Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVcSee more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmartDisclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    38 min
  8. EP 70 | Blue Chip vs Entry Level Property: Which Made MORE Millionaires?

    Mar 17

    EP 70 | Blue Chip vs Entry Level Property: Which Made MORE Millionaires?

    In this episode, Michael Ležaja breaks down one of the biggest debates in Australian property investing: Blue Chip vs Entry Level and Lower Socio Economic real estate. Using real data from the past 20 years, Michael compares how lower-priced markets have often matched or even outperformed traditional blue-chip suburbs, while also delivering stronger cash flow and easier portfolio growth. He explains why many everyday Australians get stuck with one expensive negatively geared property, while smarter investors build multiple assets in entry-level markets. Michael also shares the 2026 strategy he’s using for clients, focusing on cash flow, population growth, and value-add plays like granny flats to build scalable portfolios.---------------------------------------------------------------------------------------------------------------------------0:00 - Introduction 0:48 - Definition of Blue Chip & Entry Level Properties2:25 - Is Bondi a Good Area to Buy?3:29 - Mount Druitt VS Eastern Suburbs – Sydney Property Market4:27 - Why Do People Say: Blue Chip is the Best Investment?10:32 - Logan VS Ascot, Hamilton, Bulimba, etc. – Brisbane Property Market11:43 - Should You Buy Blue Chip or Cash Flow Properties?16:18 - Key Investment Lesson 1: Cashflow is King17:45 - Key Investment Lesson 2: Demand Matters18:19 - Key Investment Lesson 3: Portfolio Building19:45 - How Does the Future Look in Terms of Property – 2026 Strategy22:40 - Utilising the Under-rented Play25:20 - Every Red Blooded Aussie Would LOVE This Idea26:46 - Summary – Should You Invest in Lower Socio-economic or Blue Chip---------------------------------------------------------------------------------------------------------------------------Get in touch today: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVcSee more from PBA: https://linktr.ee/pinnaclebuyersagents Watch more episodes: https://www.youtube.com/watch?v=xKILzQPuLTM&list=PLurnyIhu_VwV2KSGhiFNFhDjux2d0MWVc#PBA #PropertyBanter #MichaelLežaja #BorrowingCapacity #PropertyInvesting #BuyersAgent #RealEstateAustralia #WealthBuilding #EquityGrowth #InvestSmartDisclaimer: The information provided in this content is general in nature and should not be considered as personal financial advice. The content host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.

    28 min
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Welcome to Property Banter, the top Australian property investing podcast by Pinnacle Buyers Agents. Hosted by director Michael Ležaja, a Buyers Agent with 12+ years experience, we deliver real talk on property market trends, data-driven suburb insights, investment strategies, lending tips, and building wealth through real estate. Join Michael with guests - investors, brokers & analysts like Dr. Mat from HtAG Analytics - for case studies, market data, and advice to avoid mistakes. Perfect for entry-level investors right through to seasoned investors navigating Australia's housing market.

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