The Property Portfolio Podcast

Parag Dixit, Julius Dabre & Mudit Khandelwal

Why Property Became Australia's #1 Wealth Builder in 2025

  1. Aug 8 ·  Video

    Australian First Home Buyers & Upgraders: Is this the right time to Buy Property?

    In this episode, Parag Dixit and Mudit Khandelwal discuss how the Australian property market is shifting for first home buyers. --- Is this the right time for Australian first home buyers and upgraders to buy property? In Episode 25 of The Property Portfolio Podcast, Parag Dixit and Mudit Khandelwal discuss how the Australian property market is shifting for first home buyers and home upgraders. With interest rates, inflation, cost of living pressure, limited housing supply, changing government rules and uncertain buyer confidence, many Australians are asking the same question: should I buy property now or wait? This episode breaks down whether the current market is becoming more buyer-friendly, why some vendors are more open to negotiation, how first home buyers may benefit from government incentives, and why upgraders may have a unique opportunity in the higher-price property segment. Parag and Mudit also discuss the fear of buying too early, the risk of waiting for interest rates to fall, the cost of inaction, bridging finance, selling before buying, and how one upgrader was able to save over $100,000 by understanding the market properly. If you are a first home buyer, upgrader, property buyer or someone trying to understand the Australian property market, this episode will help you think through your numbers, risks and next steps more clearly. Topics covered: - Australian property market - First home buyers Australia - Home upgraders Australia - Is now a good time to buy property? - Should you wait for interest rates to fall? - Property buying in Australia - Buyer-friendly property market - Government incentives for first home buyers - Bridging finance for upgraders - Buying before selling - Cost of waiting in the property market - Borrowing capacity and repayments - Property market uncertainty - Australian real estate trends Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and practical property investment conversations. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 | Introduction & Market Overview 06:42 | Is this a buyer-friendly market at the moment? 07:59 | How are first home buyers and upgraders benefiting? 18:11 | Should you wait for interest rates to fall before buying? 21:51 | How can upgraders plan selling, buying and bridging? 24:53 | How did one upgrader save over $100k in this market? 27:17 | How should first home buyers use government incentives? 29:53 | How are new rules shifting investors vs first home buyers? 37:44 | Key buying decisions and final advice

    Australian First Home Buyers & Upgraders: Is this the right time to Buy Property?
  2. Jul 31 ·  Video

    Melbourne Investment Red Flags: 5 Suburbs To Watch

    EP24 covers 5 Melbourne suburbs investors should watch, including Caulfield East, The Patch, Rockbank, Broadmeadows and Manor Lakes, plus key risks. --- Are these Melbourne suburbs an investor trap? In Episode 24 of The Property Portfolio Podcast, Parag Dixit and Julius break down 5 Melbourne suburbs investors should be careful with before buying. This episode is not about calling these suburbs bad places to live. Some of them may suit owner-occupiers, lifestyle buyers or people with a very specific reason to buy there. The real question is: do they make sense from an investment point of view? The discussion looks at Caulfield East, The Patch, Rockbank, Broadmeadows and Manor Lakes, and explains why investors need to think carefully about oversupply, weak rental demand, poor liquidity, low land scarcity, airport overlays, high holding costs, student-heavy apartments and limited capital growth. The hosts also compare these areas with nearby alternatives such as Carnegie, Murrumbeena, Ringwood East, Mooroolbark, Ardeer, St Albans, Glenroy, Hadfield, Hoppers Crossing and Altona Meadows. If you are researching the Melbourne property market, affordable suburbs, investment risks, rental yield, capital growth, land scarcity or where to buy property in Australia, this episode will help you understand what to check before buying. Topics covered: - Melbourne property market - Melbourne investment suburbs - Melbourne property red flags - Suburbs investors should be careful with - Caulfield East property market - The Patch property market - Rockbank property market - Broadmeadows property market - Manor Lakes property market - Property oversupply Melbourne - Rental yield vs net return - Land scarcity and capital growth - Australian property investing - Property investment Australia - First home buyer suburbs Melbourne - Investment property mistakes Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and long-term property investment strategy. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 Introduction 01:40 Introduction & why this episode matters 02:35 How the 5 suburbs were chosen 02:58 Suburb 1 – Caulfield East: student units and volatility 08:21 Caulfield East: yield myths and heavy marketing 10:17 Swapping Caulfield East for Carnegie or Murrumbeena 12:49 Suburb 2 – The Patch: lifestyle dream vs investment risk 18:32 The Patch: better options in Ringwood East and Mooroolbark 22:03 Suburb 3 – Rockbank: endless land supply and weak growth 31:16 Suburb 4 – Broadmeadows: airport overlay, noise and crime 38:04 Suburb 5 – Manor Lakes: western growth corridor oversupply 45:47 Final investment principles and key takeaways

    Melbourne Investment Red Flags: 5 Suburbs To Watch
  3. Jul 24 ·  Video

    Where To Buy In Melbourne In 2026? Top 5 Affordable Suburbs + Bonus

    Where to Buy in Melbourne in 2026 --- Where should you buy property in Melbourne in 2026? In Episode 23 of The Property Portfolio Podcast, Parag Dixit and Julius break down 5 affordable Melbourne suburbs worth watching, plus 1 bonus suburb buyers and investors should not ignore. Melbourne has underperformed compared to markets like Perth, Adelaide and Brisbane, but that does not mean every part of Melbourne is weak. In this episode, the discussion focuses on specific suburbs where affordability, tight supply, owner-occupier demand, rental demand, infrastructure and long-term growth potential may create better opportunities. The episode covers Melbourne’s current property market, why some investors are exiting Victoria, why rental stock may tighten, how interest rates could change buyer sentiment, and which suburbs may suit first home buyers, investors, upgraders and long-term property buyers. Suburbs discussed in this episode include Derrimut, Deer Park, Lalor, Thomastown, Epping and bonus suburb Carrum Downs. If you are researching the Melbourne property market, affordable suburbs in Melbourne, property investment in Melbourne, first home buyer suburbs, rental yield, capital growth, land banking or where to buy property in Australia, this episode will help you understand what to look for before making a property decision. Topics covered: - Melbourne property market 2026 - Where to buy in Melbourne - Best suburbs to buy in Melbourne - Affordable suburbs in Melbourne - Melbourne property investment - Melbourne investment suburbs - First home buyer suburbs Melbourne - Rental yield Melbourne - Capital growth suburbs Melbourne - Derrimut property market - Deer Park property market - Lalor property market - Thomastown property market - Epping property market - Carrum Downs property market - Australian property investing - Property investment Australia Watch more episodes of The Property Portfolio Podcast for Australian property market updates, suburb research, lending insights and long-term property investment strategy. Disclaimer: This podcast is for general information only and does not provide personal financial advice. Please speak with a qualified professional before making property, finance or investment decisions. --- TIMESTAMPS 00:00 Introduction 04:03 How Melbourne’s market is underperforming 06:51 Why investors are exiting and rental stock is shrinking 08:51 Melbourne as a “pocket city” and the role of interest rates 11:19 How the top 5 affordable Melbourne suburbs were chosen 11:56 Suburb 1 – Derrimut: landlocked growth hotspot with soaring unit prices 19:16 Suburb 2 – Deer Park: land banking, subdivision, and first-home buyer demand 26:50 Suburb 3 – Lalor: last affordable inner-north house pocket with high competition 33:59 Suburb 4 – Thomastown: big blocks, granny flats, and ripple effects from Reservoir 41:08 Suburb 5 – Epping: landlocked healthcare hub with strong infrastructure 47:50 Bonus suburb – Carrum Downs: coastal lifestyle, tight vacancies, and strong yields 55:35 Final outlook and key takeaways for Melbourne investors

    Where To Buy In Melbourne In 2026? Top 5 Affordable Suburbs + Bonus
  4. Jul 17 ·  Video

    EP. 22 | How Australians Are Still Buying Property Despite Rising Living Costs

    How Australians Are Still Buying Property Despite Rising Living Costs --- Welcome! This is an offline-capable Notepad which is a Progressive Web App. The app serves the following features: - Your notes are saved in real-time as you type. - Installable on supported browsers for offline usage. - "Add To Home Screen" feature on Android-supported devices to launch the app from the home screen. - Dark mode. - Privacy-focused - Never collects your precious data. - Light-weight - Loads almost instantly. - Writing timer. - View Note Statistics. - Snapshots. - Ability to mimic typewriter sound when typing. - Optional break reminders after long writing sessions. - Keyboard shortcuts for common actions. - Focus mode to leave you with a barebones and pristine editor. - Full-screen mode for a distraction-free writing experience. - Floating window (in supported browsers) to effectively take notes across other apps. - Download notes as plain text, PDF, HTML, and DOCX file. - Ability to play ambient noise to help you focus. - It's proudly open-source! CAUTION: Since the app uses the browser's localStorage to store your notes, it's recommended that you take a backup of your notes more often using the "Download Notes" button or by pressing the "ctrl/command + s" keys. Lastly, if you're using Notepad, and want to support the development, you can buy me a coffee — the link of which is available in the About section. ** Delete this text and start writing your notes **The cost of living crisis in Australia is changing more than household budgets. It is changing how Australians buy homes, invest in property and define financial success. In this episode of The Property Portfolio Podcast, we examine how rising grocery bills, utilities, insurance, childcare and mortgage repayments are reshaping decisions across the Australian property market. For many first home buyers in Australia, the goal is no longer to immediately purchase the perfect family home. The focus has shifted towards affordability, repayment comfort and simply finding a realistic way into the market. House prices have risen much faster than incomes, saving a deposit takes longer and higher interest rates have reduced borrowing power across Australia. Buyers are now considering smaller homes, apartments, townhouses, outer suburbs and interstate locations that better fit their financial position. In this episode we discuss • How the cost of living in Australia is affecting property decisions • Why saving for a home deposit now takes much longer • How housing affordability in Australia has changed since the 1990s • Why higher living expenses reduce borrowing power • The impact of inflation and interest rates on mortgage repayments in Australia • Why buyers are choosing smaller homes and more affordable locations • How borderless investing is opening opportunities outside major capital cities • Why rentvesting in Australia is becoming more common • How the Bank of Mum and Dad is helping some buyers enter the market • Government schemes for first home buyers • Why investors are paying closer attention to rental yield in Australia • Capital growth vs rental yield in the current market • How cash flow is changing property investment strategy in Australia • Why lower leverage and sustainable repayments now matter more • Co-ownership, shared buying and alternative paths into property • How Australians are redefining the traditional property dream The conversation also explores why the modern property journey is no longer linear. Some buyers are renting longer. Others are living with family, purchasing interstate or starting with an investment property rather than a home to live in. Many investors are moving away from high-debt, capital-growth-only strategies and focusing on properties that offer stronger rental income and manageable holding costs. Negative gearing in Australia may still form part of an investor’s planning, but tax benefits alone cannot make an unaffordable property sustainable. Cash flow, borrowing capacity, rental demand and long-term holding power must all be considered before making a decision. Technology and access to property data have also made it easier to research opportunities across Australia. Buyers are no longer limited to the suburb or city where they currently live, allowing property investment decisions to be based more on numbers and less on familiarity. The Australian property dream is not necessarily disappearing. It is becoming more personal, flexible and financially disciplined. --- TIMESTAMPS (07:23) - How Rising Everyday Costs Are Crushing Savings (11:08) - From Aspirational Buying to a Survival Mindset (15:24) - The Avocado Myth and Today’s Deposit Maths (20:36) - House Prices vs Incomes From the 1990s to Today (24:28) - Inflation, Bank Calculators and Borrowing Power (25:02) - RBA Rate Hikes and Purchasing Power (33:39) - Smaller Homes and Borderless Investing (39:21) - Why Investors Now Prioritise Cash Flow (42:26) - Smarter Strategies and Interstate Opportunities (54:29) - Rentvesting, Shared Buying and New Entry Paths (01:01:18) - The Future of Home Ownership (01:04:44) - Redefining the Australian Property Dream

    EP. 22 | How Australians Are Still Buying Property Despite Rising Living Costs
  5. Jul 10 ·  Video

    EP. 21 | Is Australia Raising a Generation of Renters?

    Is Australia Raising a Generation of Renters? --- Will the next generation of Australians ever own a home? In Episode 21 of The Property Portfolio Podcast, Parag Dixit and Mudit Khandelwal discuss why home ownership in Australia is becoming harder for younger buyers and how the path into the property market is changing. House prices have risen far faster than wages. Higher interest rates, rising rents, stricter lending rules and the cost of living in Australia are making it harder to save a deposit and qualify for a loan. But does this mean young Australians will be locked out forever? In this conversation, Parag and Mudit discuss how first home buyers may need to rethink the traditional path to ownership. Instead of waiting to buy the perfect family home, younger buyers may need to consider apartments, townhouses, regional properties, rentvesting or purchasing a first investment property. In this episode we discuss • Why housing affordability in Australia keeps getting worse • Why houses are so expensive compared with income growth • Why buying a house has become harder for young Australians • The growing gap between house prices and wages • How interest rates and living costs affect borrowing power • Why saving the deposit is often the biggest challenge • Whether buying a house is still worth it • How rentvesting can offer another path into the market • Why your first property does not need to be your forever home • How property investing in Australia can support long-term wealth • The difference between asset owners and non-asset owners • Government schemes available to first home buyers • How to buy your first home in a changing market • Why starting early can make a major difference The Australian dream may not be disappearing, but it is changing. For some buyers, home ownership may begin with a smaller property. For others, it may mean renting where they want to live while investing in a more affordable market. If you are researching the Australian property market, affordable housing, real estate investing for beginners, your first investment property or how to build wealth through long-term property investment, this episode will help you understand the options available. --- TIMESTAMPS (03:00) - Will the Next Generation Ever Own a Home? (06:07) - Why Housing Affordability Keeps Getting Worse (11:34) - Why Property Prices Keep Rising (18:15) - Is the Australian Dream Changing? (23:56) - Rentvesting and a New Way to Build Wealth (33:10) - Why Property Still Builds Long-Term Wealth (37:44) - The Growing Gap Between Asset Owners and Non-Owners (46:55) - Government Schemes That Can Help First Home Buyers (50:06) - The Future of Home Ownership in Australia (55:56) - Final Thoughts and Key Takeaways Follow us - Facebook - https://bit.ly/4c9dchR Instagram - https://bit.ly/4tPQRMJ LinkedIn - https://bit.ly/4tUG6sr Spotify - https://bit.ly/4ceOD3a Apple Podcast - https://apple.co/4qYqJwy Visit Website - https://thepropertyportfolio.com.au/ For any query or suggestion email us on info@thepropertyportfolio.com.au Get in touch with us - https://linktr.ee/nfinitypropwealth Subscribe to The Property Portfolio Podcast for weekly conversations on Australian property investing, lending strategy, market updates and portfolio growth. #AustralianPropertyMarket #AustralianHousingCrisis #HousingAffordabilityAustralia #HomeOwnershipAustralia #FirstHomeBuyer #PropertyInvestingAustralia #Rentvesting #PropertyPodcast

    EP. 21 | Is Australia Raising a Generation of Renters?
  6. Jul 3 ·  Video

    EP. 20 | Is Perth Still Australia’s Best Property Market in 2026?

    Is Perth Still Australia’s Best Property Market in 2026? --- Perth has been one of Australia’s strongest property markets, but the big question now is simple. Is the Perth property boom still creating opportunities, or are some areas already becoming too expensive? In Episode 20 of The Property Portfolio Podcast, Parag Dixit and Julius Dabre discuss the Perth property market, its past corrections, recent growth and what investors should understand before buying in 2026. The conversation covers Perth real estate trends, rising house prices, strong rental demand, infrastructure growth and why investors cannot treat Perth as one single market anymore. In this episode we discuss • Perth property market 2026 and what is driving demand • Perth’s past property correction and what investors can learn from it • Why Perth house prices grew strongly after COVID • Perth housing market predictions and future growth potential • Why suburb selection matters more than ever • Perth rental market and how rising prices affect yields • New home and land packages vs established properties • Why some new builds may carry higher risk • Western Australia property investment opportunities • Perth property market forecast 2026 • How Perth compares with the broader Australian property market • What investors should check before buying in Perth Perth remains attractive for many investors because it still offers a mix of affordability, rental yield and long-term growth potential compared with several other Australian capital cities. However, Parag and Julius explain why the market is becoming more selective. Some suburbs are still supported by strong demand, low supply and infrastructure growth, while others may already be facing pricing pressure and weaker rental returns. This episode is especially useful for investors researching Perth property investment, Perth real estate market trends, house prices Australia, the Australian housing market or Western Australia property opportunities in 2026. --- TIMESTAMPS (03:03) - Perth’s 40% Property Crash, What Actually Happened? (05:57) - Why Perth Property Prices Boomed After COVID (08:35) - Why Perth Shouldn't Be Treated as One Market (14:30) - You Can’t Just Buy “Wherever in Perth” Anymore (20:03) - When Rising Prices Start Hurting Rental Yields (27:14) - New vs Existing: Paying $150k More for Less Land (35:35) - The Only Australian Capital City Still Offering This Opportunity Follow us - Facebook - https://bit.ly/4c9dchR Instagram - https://bit.ly/4tPQRMJ LinkedIn - https://bit.ly/4tUG6sr Spotify - https://bit.ly/4ceOD3a Apple Podcast - https://apple.co/4qYqJwy Visit Website - https://thepropertyportfolio.com.au/ For any query or suggestion email us on [info@thepropertyportfolio.com.au](mailto:info@thepropertyportfolio.com.au) Get in touch with us - https://linktr.ee/nfinitypropwealth Subscribe to The Property Portfolio Podcast for weekly conversations on Australian property investing, lending strategy, market updates and portfolio growth.

    EP. 20 | Is Perth Still Australia’s Best Property Market in 2026?

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Why Property Became Australia's #1 Wealth Builder in 2025

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