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PODCAST

this is property

John Pidgeon & Rachelle Kroon

Join John Pidgeon — property investor, coach, buyers’ advocate and author — and Rachelle Kroon, mortgage broker, investor, and founder of Sphere Home Loans, as they dive into all things property. From buying your first home to building a portfolio, they share practical insights, expert advice, and real-world stories. With guests from every corner of the property space, John and Rachelle will help you take your next step with clarity and confidence.Formerly my millennial property. Hosted on Acast

business investing

All Episodes

32:40

this is property | property lending: redraw,...

this is property ·

2026/01/06

Today's episode is a mix of clips from episodes this year unpacking how property lending really works, from loan structures and redraw strategies to bank policy changes and valuations. Topics covered:👉🏾 using redraw from your investment loan to buy ETFs (clip from ep740)👉🏿 using interest-only IP loans to smash PPOR mortgage faster (clip from ep737)👉🏻 how accurate is the CommBank Home Hub property valuation? (clip from ep737)👉 is it a good idea to buy an investment property with cash? (clip

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37:07

this is property | property investing: location,...

this is property ·

2025/12/30

Today's episode is a mix of this is property clips exploring how property investors make decisions about location, equity and portfolio growth. Topics include:👉🏿 investment property choice: Sydney vs. regional? (clip from ep731)👉🏻 claiming travel, tools & repairs for interstate properties as tax deductions (clip from ep740)👉 pay off my property or use equity and invest now? (clip from ep731)👉🏼 using equity to buy another investment property (clip from ep737)👉🏽 what data says about

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28:02

750 from first home to five properties: Chris's...

this is property ·

2025/12/23

In today's episode Rachelle interviews listener Chris* about his journey of buying his first home in 2020 to building a five-property portfolio in just a few years. He talks about:👉🏻 buying with an investor mindset from day one👉 how picking locations he knew shaped his strategy👉🏼 how he managed serviceability as a single buyer and as the portfolio grew👉🏽 learnings: his first property was his worst performer*Name changed for privacyHave a question for John and Rachelle? Connect with Rachelle

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47:49

749 investing in regional NSW: Tamworth, Orange & Dubbo

this is property ·

2025/12/16

Investor activity is surging in regional New South Wales, and buyer’s agent Marcus Davidson joins Rachelle to break down where the opportunities and risks really are. They talk about:👉🏾 how regional markets differ from capital cities👉 investor profiles that Marcus works with👉🏻 areas that Marcus buys in and why👉🏽 Tamworth deep dive - blue chip areas, price points👉🏿 what type of property performs best in Regional NSW👉🏼 risks of buying in regional towns👉🏾 Marcus's 3-5 year outlook for

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43:07

748 APRA’s lending cap, major NSW & VIC zoning...

this is property ·

2025/12/09

John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.👉🏾 what APRA’s DTI cap actually is and who it affects👉🏿 what's causing prices to continue going upward👉🏻 tips for investors amidst the changes👉 the winners and losers of NSW/VIC town-centre upzoning changes👉🏼 2% shared-equity scheme explained + pros and cons👉🏽 a warning

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20:09

747 using a parental guarantee to get a better...

this is property ·

2025/12/02

At 23, Dan* bought his first property as an investment with a combination of hard work, strategy and support from his parents. In today's episode Dan joins Rachelle to share the steps he took to do that, touching on:👉 the early money habits he established after reading The Barefoot Investor at 15👉🏼 his saving and investing journey and how he saved that deposit👉🏽 seeing a mortgage broker and deciding whether to buy to live in vs buy to invest👉🏾 asking his parents for a parental guarantee to

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41:04

746 is it too late to buy? BA red flags, Victoria’s...

this is property ·

2025/11/25

John and Rachelle answer your questions!👉 renovate home or buy an investment first?👉🏼 what type of valuation should I get?👉🏽 what to ask a buyers agent before you commit👉🏾 is it a good idea to buy an investment property with cash?👉🏿 best structure to buy a working farm👉🏻 have I missed the boat to buy my first IP?👉 what’s happening in Melbourne property market sub 1M👉🏼 how much do you need to buy an IP?👉🏽 how has the FHB scheme affected markets?👉🏾 how to buy second IP without

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46:30

745 backlash over boom bust episode, 90% no LMI...

this is property ·

2025/11/18

John and Rachelle unpack the latest lender policy shifts, UBank’s new 90% no-LMI offering plus listener feedback they received on a recent episode that sparked backlash. Glen James also drops in for a discussion around rentvesting.👉🏻 Macquarie bank pulls out of trust and company lending👉 Ubank offers 90% loans with no LMI👉🏼 discussing feedback on the boom bust property cycle episode👉🏽 Glen, Rach and John debate the rentvesting strategyThe boom bust property cycle episode:

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35:29

744 buying in the right location for capital growth...

this is property ·

2025/11/11

In this episode John & Rachelle chat with Luke Metcalfe, founder of property data insights platform Microburbs, about the data points that matter when researching where to buy. They talk about:👉🏾 what Microburbs actually does & who it's for👉🏻 the most influential data point for choosing a location👉🏼 the post-covid shift to regions & satellite cities👉🏽 what to check first when researching a suburb👉 what gentrification really means for growth👉🏿 public housing thresholds and it's

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37:50

743 turning home equity into your first investment...

this is property ·

2025/11/04

In this live clarity call, John chats with long-time listeners Kristyn and Brenton, two teachers from the Central Coast, who are thinking of using equity from their home to invest in property. If you're a first time investor today's episode is packed with actionable tips! John talks to them about:👉🏾 assessing their risk profiles and money mindset👉🏿 using home equity wisely👉🏻 debt recycling explained👉 setting clear investment goals👉🏼 balancing lifestyle with financial growth👉🏽 borrowing

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37:50

742 how Meg built a 3-property portfolio worth $2.5M...

this is property ·

2025/10/28

In this anonymous listener story, “Meg” shares how she went from living at home and saving hard for her first deposit to building a $2.5M property portfolio by 25. She talks about:👉 buying her first place at 22 on the Gold Coast👉🏼 leveraging equity to buy again in Perth and the Central Coast (instead of saving cash)👉🏾 managing risk, buffers and surprise expenses👉🏿 splitting costs and mortgages in a relationship👉🏽 and her advice for first-time buyers in today’s marketMeg was initially going

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38:46

741 partners who invest & manage money separately...

this is property ·

2025/10/21

In today's episode John interviews David and Louise* who manage their money and property investing separately. They talk about:👉🏻 their individual risk appetites👉 why they've chosen to keep things separate👉🏼 getting a BFA (binding financial agreement)👉🏿 the properties they have between them👉🏽 how they navigate shared expenses👉🏾 planning for retirement👉🏻 and their tips for listeners*Names changed for privacyWe're on Youtube! Subscribe to this is property:

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39:39

740 using redraw to invest, 6-year CGT rule, repairs...

this is property ·

2025/10/14

In this Q&A episode, Rachelle sits down with return guest, accountant Leah Hall from Lift Accounting to unpack your burning tax and property questions:👉🏾 using redraw from your investment loan to buy ETFs👉🏿 how to document and reset the 6-year CGT rule👉🏻 claiming travel, tools & repairs for interstate properties👉 repairs vs improvements - what’s instantly deductible👉🏼 can you transfer loan splits to a new property after you sell?👉🏽 depreciation schedules, back-dating returns &

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52:41

739 the boom bust property cycle explained + where...

this is property ·

2025/10/07

Is there really a way to time the market? In this episode of John and Rach are joined by Darren Wilson from Property Share Market Economics to chat about the 18.6 year real estate cycle.They discuss:👉🏾 Darren's background👉🏿 what the 18.6 real estate cycle is👉🏻 the four phases of the cycle👉 where are we in the cycle right now?👉🏼 should we expect a downturn from 2027?👉🏾 signs that the market is changing👉🏿 how can this be used to inform our investing strategy?👉🏻 tip for a investor

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28:30

738 investing in regional VIC: Geelong, Bendigo &...

this is property ·

2025/09/30

Kicking off our investor location series, Rachelle Kroon chats with Envisage Property buyer’s agent Kimberley Gelhar who specialises in regional Victoria. They discuss:👉🏻 a day in the life of a buyer's agent👉 why invest in regional VIC?👉🏼 Geelong snapshot👉🏽 VIC land tax👉🏾 Shepparton snapshot & $420k buyer case study👉🏿 Bendigo snapshot👉🏻 Bendigo $530k buyer case study👉 market shifts in the last 12 months👉🏼 Envisage Property's two-step process: strategy & sourcing👉🏽 buying in

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24:31

bonus from FinCon: US vs Aussie property, 30 year...

this is property ·

2025/09/28

Rach and John are coming to you from FinCon in Portland, Oregon. After three days surrounded by finance content creators, they swap notes on how the American property scene stacks up against Australia’s, touching on:👉🏻 how 30-year 2% fixed loans affect how Americans buy, sell & move👉 cost of living & attitudes towards home ownership👉🏼 rent to buy schemes & private lending👉🏽 property taxes & state taxesWe're on Youtube! Subscribe to this is property:

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36:41

737 funding renovations, using equity to buy a 2nd...

this is property ·

2025/09/23

Rach and John dig into some listener questions about:👉🏾 funding renovations - cash, equity or future-value valuations👉🏻 what if investors with 2+ properties had to sell👉 converting non-tax deductible debt into tax deductible & loan splits👉🏼 using equity to buy another investment property👉🏽 debt recycling & selling a property that has split loans attached👉🏻 how accurate is Commbank's Home Hub property valuation?👉🏾 use interest-only IP loans to smash PPOR mortgage faster?Watch

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38:27

736 public school catchments, property premiums & if...

this is property ·

2025/09/16

In this episode John and Rachelle are joined by Eliza Owen, Head of Research at Cotality, to unpack how public school zones influence property values. They discuss Cotality's report on house values inside vs outside of Australia's top public school catchments and whether paying extra to be in-zone really makes sense for families and investors.👉🏾 school catchment premiums vs long-term capital growth growth👉🏿 which school catchment had a $1.3M price difference👉🏻 inside vs outside catchment

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32:41

735 First Home Guarantee fast-tracked, FOMO traps &...

this is property ·

2025/09/09

The First Home Guarantee expansion has been brought forward to 1 Oct, sparking urgency in the property market. But should you rush in? Rachelle and John unpack what it means for the property market, the risks of buying just for the sake of it and why having and sticking to your strategy matters more than ever. They touch on:👉🏾 First Home Guarantee changes brought forward – what that means👉🏼 FOMO and rushing into the wrong property👉🏽 lessons from clients who lost money in hot markets👉 buyer’s

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26:44

734 understanding the role of a seller’s agent with...

this is property ·

2025/09/02

Selling property isn’t always straightforward and that’s where a seller’s agent (or vendor advocate) can step in. In this episode, John and Rach chat with Veronica Morgan about what a seller’s agent does, how they differ from real estate agents, and why they can be a game-changer for vendors. Veronica is a buyers agent, co-host of The Elephant in the Room podcast, and founder of Good Deeds Property Buyers, with over 25 years’ experience in real estate and has in recent years expanded her business to

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325 results

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