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. 19h ago

    Will Sydney see its biggest house price fall in 40 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 Three rate rises and one very anti-property budget have done something to the Sydney market that no bank forecast a year ago. The question we argue about in this episode isn't whether prices are falling. It's how far they go, and whether the worst of it has already happened on the ground while the data is still 6 months behind. In this episode Curtis and I go city by city through what ANZ, NAB and CoreLogic are actually forecasting for the next 12 months, then put our own numbers next to theirs. Curtis calls Sydney at 15.1%, which would make it the biggest fall in 40 years. I land closer to 11 or 12%, and I explain why the composition of the Sydney market makes a 15% aggregate fall very hard to produce. We then work through Melbourne, Brisbane, Adelaide and Perth, what listings are signalling in each one, and the single event that flips the whole market. What you'll learn: 📍 What ANZ, NAB and CoreLogic have forecast for every capital city, and exactly where we disagree with them 📍 Why Sydney is behaving like two separate markets, and why the top end is wearing most of the fall 📍 The case for Western Sydney outperforming the national market over the next 5 years 📍 Why I think the trough was yesterday rather than tomorrow, and what a lagging data series hides from buyers 📍 Brisbane listings swinging from 40% below average to 8% above in the space of 7 months, on the lowest yields in the country at 3.3% 📍 Why Adelaide is capped by rents, and why Perth may still have room left in the tank 📍 The labour market numbers the RBA isn't reading, and why I think 6 to 8 rate cuts are coming Subscribe for a data-first read on the Australian property market every week. #AustralianProperty #SydneyProperty #HousePrices #InterestRates #PropertyInvesting Chapters 00:00 The bold call - Sydney's biggest fall in 40 years? 00:32 What the banks are predicting for the next 12 months 01:05 Sydney: the ANZ, NAB and CoreLogic numbers 02:24 Curtis says 15.1%. I say 11 to 12 03:20 Two Sydneys - the top end is wearing the fall 06:19 Western Sydney and the composition problem 07:50 The trough was yesterday, not tomorrow 09:32 Melbourne - the same story, smaller 12:23 Why prices shouldn't keep falling into next year 13:40 Where I'd be buying right now 15:00 Brisbane - listings flip from 40% below to 8% above 15:53 Listings across every capital 17:03 Brisbane on 3.3% yields - is the cycle over? 18:14 Adelaide - capped by rents 18:56 Perth - flat now, more in the tank 20:46 It all hinges on the first rate cut 21:19 The labour market the RBA isn't reading 23:04 Final take - sharp, shallow and nearly over 24:33 Why Western Sydney outperforms from here 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. 4d ago

    Why banks are fighting over your mortgage right now

    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 Lending is the quietest part of property investing, and right now it is where most people are leaving money on the table. Banks have gone from protecting their margins to fighting for your business. Owner-occupier rates are back in the high 5s, investor rates in the low 6s, and some lenders are throwing cashbacks at borrowers who ask to leave. That window does not stay open forever. As rates fall and lending volumes recover, banks stop fighting this hard. In this episode I sit down with Curtis to unpack the specific lending policies that have shifted in the last few weeks. We cover the refinance war that is still running, the sudden pivot happening in SMSF lending, the rules tightening around trusts and companies, and a private banking policy that most investors have never heard of. We finish on a real client case that took 16 valuations to get across the line. What you'll learn: 📌 Why the mortgage pricing war is still running, and roughly where owner-occupier and investor rates are sitting 📌 What a discharge request actually does, and why some banks only sharpen their pricing after you lodge one 📌 The SMSF pivot since 10 August: lenders can no longer write purchases, so they are chasing refinances instead 📌 The new "easy refinance" rules in SMSF: 12 months of ownership, a clean repayment history, and no servicing test 📌 The bad news on trusts and companies: guarantor loans appearing on credit files and much stricter accountant letter wording 📌 The net asset test inside the private banking arms of the major banks, and the debt level you need before it applies 📌 A real case study: 16 valuations ordered, 1 lender with a usable desktop valuation, 2 that passed servicing If you want the lending side of property explained without the spin, subscribe to Australian Property Talk. #PropertyInvesting #Refinance #SMSF #AustralianProperty #MortgageBroking Chapters 0:00 Intro 0:38 Why a slower market is creating lending opportunities 1:44 The refinance boom and the mortgage pricing war 1:57 Discharge requests and which banks fight to keep you 2:55 Where investor rates are sitting right now 4:37 Why this window closes when the market picks up 5:04 SMSF: lenders pivot from purchases to refinances 5:25 The easy refinance rules, no servicing test 6:56 What it means if your SMSF rate starts with a 7 8:56 The bad news: trust and company lending is tightening 9:20 Guarantor loans now appearing on credit files 9:44 Stricter accountant letters and no-liability declarations 11:16 Do private banks ask the same questions? 13:34 The private banking net asset lending test 14:02 What actually counts as a liquid asset 16:16 The debt threshold to access private banking policy 20:40 Case study: the investor told he was maxed out 21:45 16 valuations, 1 lender that worked 24:07 What a harder lending market really demands 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 27

    Why Lower House Prices Suit the Government Right Now

    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 CGT base resets on 30 June 2027. Once you understand what that single date does, a lot of what is happening in the market right now starts to make more sense. Here is the mechanism. Gains made up to 30 June 2027 keep the existing 50% CGT discount. Gains made after that date fall under indexation instead, which in most cases is the less favourable of the 2. So the higher your valuation sits on that date, the more of your gain is protected by the old rules. Every investor wants that number high. The people counting the tax revenue have the opposite incentive. In this episode Curtis and I work through 3 things: what the CGT reset actually does to your tax bill, what happened to the first home buyers who were pushed into the market on a 5% deposit in 2025, and why SMSF lending on residential property was removed at the same time large industry funds are being encouraged into build to rent. We are both ex-Treasury, so we usually explain policy rather than question the motive behind it. This one is different. 📍 How the 30 June 2027 CGT reset works, and why your valuation on that date matters more than your sale price 📍 A worked example where the same $200,000 gain roughly doubles the amount added to your tax bill 📍 Why a 2025 buyer on a 5% deposit in Sydney or Melbourne can be in negative equity within 6 months 📍 What negative equity actually means day to day: no refinance, no easy sale, effectively a mortgage prisoner 📍 Why fast-growth, buy-and-flip strategies are hit hardest by the new rules 📍 The SMSF residential lending ban, and the build to rent question it raises 📍 What we think changes in the next 12 months, and how to position for it rather than react to it If you want the macro explained without the hype, subscribe. #AustralianProperty #CapitalGainsTax #FirstHomeBuyer #SMSF #PropertyInvesting Chapters 0:00 The claim: the government has an incentive to want prices lower 2:32 The 3 changes we unpack 4:04 Why the attack on aspiration gets to us 5:39 First home buyers and the 5% deposit scheme 9:23 Negative equity within 6 months 10:21 Running the numbers on a $1m Sydney purchase 14:02 The CGT reset on 30 June 2027 explained 15:14 Why a lower valuation on that date means more tax 18:57 Worked example: $800k to $1m, and double the tax bill 22:20 Who gets hit hardest by the new rules 25:36 SMSF lending ban and build to rent 27:55 Follow the money: where the questions get uncomfortable 30:43 What this means for the next 12 months 33:19 Closing thoughts and where to get help 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 20

    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

  5. Aug 17

    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

  6. 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

  7. 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

  8. 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

See All (209)

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
    209
  • Rating
    Clean
  • Copyright
    © 2026 Australian Property Talk
  • Show Website
    Australian Property Talk

You Might Also Like