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. 3h ago

    Australia's Housing Crisis Isn't an Accident - "It's Completely By Design"

    Australia’s property rules are changing fast and everyday investors and first-home buyers are being pushed aside while large institutions gain the biggest advantages. In this episode, Michael sits down with Joseph from It’s Simple Finance to unpack his campaign against government housing policies, the 5% deposit scheme, and why some buyers could face negative equity. They also cover SMSF changes, build-to-rent incentives, and rising rents. Joseph also explains why current market weakness may be creating a major buying window, why investors should avoid waiting for the perfect bottom, and the simple valuation and equity strategy he believes could help buyers prepare for the next property cycle. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 01:12 — Why Joseph Wanted First-Home Buyers Heard 04:33 — The Prime Minister Responds in Parliament 05:39 — How the 5% Deposit Scheme Changed 07:27 — The Negative Equity Trap Facing First-Home Buyers 09:09 — Why the Budget Could Hurt Small Business 13:34 — Are Offshore Build-to-Rent Funds Getting Better Deals? 17:02 — The Tax Concessions Changing Australian Housing 20:18 — Why Institutional Landlords Could Control More Rentals 21:06 — The SMSF Property Rule That Changed Overnight 23:36 — Why Rents and Housing Supply Could Get Worse 30:46 — Incompetence or a Deliberate Property Strategy? 38:17 — Why Joseph Believes a Property Boom Is Coming 39:12 — Four Signals Creating a Buying Opportunity 42:40 — The Equity Strategy Investors Should Use Now 44:08 — Stay Ready: Joseph’s Final Property Advice –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– 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.

  2. Jul 8

    The Government Just Killed Killed Your Retirement Strategy (SMSF Property Ban) | Property Expert

    SMSF property borrowing rules are changing, and 10 August 2026 could be the final deadline for Australians wanting to buy residential property inside super using an SMSF loan. In this episode, Michael breaks down the exact roadmap Pinnacle is using with clients to get SMSF property purchases done before the deadline without rushing into the wrong asset. He explains what is actually changing, why exchange matters more than settlement, why lender risk may become the real deadline, and the six phases investors need to follow, from deciding whether an SMSF property strategy suits them, to setting up the structure, locking in finance, building the right property brief and exchanging before the window closes. If you have money in super and have been thinking about using your SMSF to buy property, this episode gives you a clear framework for avoiding costly mistakes, poor asset selection, weak cash flow, and long-term regret. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:21 — What Is Actually Changing — Borrowing vs Owning Explained 3:44 — The Six-Phase Roadmap — Work Backwards From Exchange 4:02 — Phase 1 & 2 — Decide If SMSF Property Fits, Then Build The Team 5:20 — Phase 3 & 4 — Set Up The SMSF And Lock In Pre-Approval 6:20 — Phase 5 — Build The Right Property Brief Before You Buy 7:11 — Phase 6 — Exchange Before 10 August, Settle After 10:39 — SMSF Rules That Trip People Up — Related Parties, Personal Use & Renovations 11:36 — The Bottom Line — Move Fast, But Don’t Buy The Wrong Asset –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– 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.

  3. Jul 1

    Brisbane Property is Correcting Right Now: Move Before the Market

    Brisbane property market correction is already happening on the ground, but most buyers are still waiting for the data to catch up. In this episode, Michael is joined by Sasa Peci breaking down falling buyer confidence, rising stock levels, investor hesitation, and why the next six months could become a major buying window. Sasa shares what he is seeing across Logan and wider Brisbane, from buyers moving back to Melbourne, investors pulling back, rents likely rising, and quality owner-occupier stock still getting strong results even while the broader market slows. If you are watching the Brisbane property market and wondering whether to buy now, wait, or avoid it completely, this episode gives you a real on-the-ground view before the numbers fully show it. Get in touch today: https://linktr.ee/pinnaclebuyersagents –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:51 — Buyers Are Scared — Fewer Transactions, Price Drops & Market Hesitation 4:47 — Investor Demand Is Slowing — Why Rental Yields No Longer Stack Up 9:38 — The Opportunity Window — Why Sasa Would Consider Buying Now 13:13 — Policy, Tax & Investor Fear — What Could Change The Market Next 21:24 — The Next 6 Months — Why This Could Be The Best Buying Window 31:02 — Meadowbrook Case Study — Why Good Locations Still Get Offers –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– 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.

  4. Jun 24

    10 BIGGEST Property Mistakes Costing You $$$

    Australian property investors are making the same portfolio mistakes over and over again, and many of them only realise when it becomes expensive to fix. In this episode of Property Banter, Michael is joined by Josh from Zapiio to unpack the top 10 most common mistakes they see after modelling over 10,000 Australian investor portfolios, from unrealistic expectations and poor cash flow planning to buying in the wrong structure and holding underperforming assets for too long. They break down why knowing your numbers matters, how the wrong mortgage broker or accountant can limit your borrowing capacity, when to sell a dud property, why property managers are more important than most investors think, and why going into commercial property too early can backfire. If you’re building a property portfolio in Australia, this episode will help you avoid costly mistakes and make smarter long-term decisions –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:33 — Mistake #1: Unrealistic Expectations — Why “Get Rich Now” Fails 6:13 — Overthinking vs No Planning — Finding the Middle Ground 8:29 — Build the Right Team — Broker, Accountant, Buyer’s Agent and Strategy 10:06 — The $90K–$120K Structure Mistake — Buying in the Wrong Name 11:33 — Holding Bad Assets — When a Property Is Killing Borrowing Capacity 12:23 — When Not to Sell — Timing the Market Cycle Properly 14:04 — Property Managers Matter — Rent Reviews, Cash Flow and Avoiding Self-Management 16:53 — Growth vs Cash Flow — Why Retirement Strategy Needs Options 21:28 — Commercial Too Early — The Risk of Chasing Yield Before Scale –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– 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.

  5. Jun 17

    Top 7 BEST Suburbs To Buy In Melbourne's Inner West

    Michael breaks down the top 7 suburbs to buy in Melbourne's western corridor right now. Ranked by yield, median price, vacancy rates,  infrastructure upside, and name's his TOP pick. From the airport rail hub repricing Sunshine's entire precinct, to why the Sunshine-to-Saint Albans price gap is a textbook ripple effect opportunity, this episode gives you the data and the strategy, not just the suburb names. If you're looking to buy in Melbourne's west in 2026 and want to know which suburbs are worth your time (and which to avoid), this episode is essential viewing. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 0:28 — What Makes a Suburb Investment Grade 1:53 — Sunshine — Airport Rail, Gentrification & Growth 2:59 — St Albans — Michael’s #1 Western Suburb Pick 4:20 — Sunshine West — Affordable Entry With Renovation Upside 4:51 — Footscray — Strong Location, But Supply Risk Matters 6:08 — Melton — Cheap, Growing, But Not the Top Pick 7:25 — Werribee — Regional Hub With Long-Term Potential 8:05 — Hoppers Crossing — Established, Connected & Affordable 8:39 — Taylors Hill — Premium Owner-Occupier Appeal 9:59 — The Verdict — Why St Albans 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.

  6. Jun 11

    Sydney Just Overtook Melbourne as Australia's WORST Housing Market

    Sydney property prices are falling, Melbourne has slipped again, and Australia’s property market is clearly splitting into different speeds. In this episode, Michael breaks down the latest May 2026 market data, including Sydney’s sharp 0.9% monthly drop, Melbourne’s 0.8% fall, and why houses are taking the biggest hit while affordable units are holding up better. He also shares where investors should be cautious, why blue-chip property may not be the safest play right now, and how strategic buyers can use this correction to negotiate harder, find better stock, and uncover real value in markets like Perth, Rockingham and Warnbro. If you’re wondering whether now is the time to buy, wait, or pivot your property strategy, this episode breaks down the risks, opportunities, and key markets to watch. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––– Chapters: 1:11 — Sydney vs Melbourne — The East Coast Correction Begins 3:04 — Canberra Warning — Why Some Units Are a Definite No 3:33 — Perth, Darwin & Brisbane — The Markets Still Moving 4:48 — Houses vs Units — Why Affordable Stock Is Holding Better 6:31 — Melbourne Apartments — Cheap, High-Yielding, But Not Fast Growth 8:29 — Interest Rates & Serviceability — Why Finance Drives Property 10:09 — Should You Buy Now? — Risk Profile, Timing & Strategy 14:10 — Warnbro & Rockingham — The Undervalued Perth Opportunity 14:59 — Final Verdict — Stick With Affordable, Low-Supply Markets ––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––

  7. Jun 3

    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.

  8. 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.

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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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