Most property investors are focused on what the Federal Budget changes mean for their portfolio. But are the headlines telling the full story?

In this episode, we're joined by My Bui, Economist at AMP Investments, to break down one of the biggest property tax shake-ups Australia has seen in decades. My cuts through the misinformation surrounding capital gains tax, negative gearing, borrowing capacity, interest rates, and housing supply, explaining what these changes actually mean for investors, renters, and first-home buyers.

We explore whether the market is really under threat, why Australia's housing shortage remains the biggest driver of long-term growth, and how investors can adapt their strategies in a changing environment. We also discuss Melbourne's outlook, rental pressures, future rate cuts, and why focusing on fundamentals, not fear, may be the key to long-term success.

Episode Takeaways:

✅ Why property fundamentals matter more than tax changes

✅ How the Federal Budget could impact investors and renters

✅ Why Australia's housing shortage still supports long-term growth

✅ How borrowing capacity changes may affect investment strategies

✅ Why smart investors focus on opportunity, not fear

Timestamps:

00:00 Why Investors Shouldn't Panic About the Tax Changes

03:57 Capital Gains Tax Explained in Plain English

09:21 Why Investors May Shift Focus to Rental Yields

12:25 Will Rents Rise Because of These Changes?

17:07 Property Prices, Wages & What Happens Next

21:07 How Borrowing Capacity Has Changed Overnight

25:24 Could These Changes Make the Housing Shortage Worse?

28:18 Why Smart Investors Buy When Everyone Else Is Scared

33:39 Another Interest Rate Rise Coming?

37:07 When Will Interest Rates Finally Start Falling?

40:27 AMP's Property Market Forecast for the Next Two Years

43:02 My Bui's Final Thoughts on Australia's Property Future

Meet My Bui

My Bui is an economist at AMP Investments, where she specialises in analysing Australian and global economic trends, forecasting market conditions, and providing insights that help guide investment decisions. Prior to joining AMP, My worked as a Fixed Income Research Analyst at Deutsche Bank in New York, focusing on securitised mortgage markets. A CFA Charterholder with a Master of Financial Mathematics from UNSW Sydney, My is known for her ability to simplify complex economic issues and connect them to real-world outcomes. Her expertise spans property markets, interest rates, inflation, taxation policy, and the broader economic forces shaping investment opportunities across Australia.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage brokerage and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Most property investors focus on numbers. But what if your biggest wealth blocker isn’t financial, it’s psychological?

If you’ve ever wondered why smart people still make self-sabotaging money decisions, this episode will change how you see property investing forever.

We’re joined by Philippa Hunt, behavioural psychologist turned financial planner, who works at the powerful intersection of money, trauma, and decision-making. Philippa reveals how hidden psychological money blocks, survival instincts, and self-worth silently drive investing behaviour, including why so many people chase property for safety, security, and approval.

We explore how unresolved trauma shapes risk tolerance, why women fall behind financially, and how overreliance on property portfolios can become a vanity metric rather than a strategy.

Episode Takeaways:
✅ How psychological money blocks impact investing decisions
✅ Why property feels safer than other asset classes
✅ How to buy your first investment property in Australia with clarity
✅ The real meaning of financial security
✅ Why education beats “free advice” and social media spruikers

Timestamps:
01:22 Meet Philippa Hunt
03:40 Why women retire with less
06:35 Childhood shapes money habits
10:27 Migrants build wealth with property
15:37 36 properties: strategy or ego?
19:31 Why women invest cautiously
23:52 The post-COVID mortgage trap
27:44 Dangerous social media spruikers
31:05 TikTok finance misinformation
36:10 Will equality take generations?
41:11 Corporate wake-up call
47:01 Your 20s wealth turning point
52:07 Super is your retirement partner

Meet Philippa Hunt
Philippa Hunt is a financial freedom mentor and founder of WiseGirls Money Academy, dedicated to helping women build confidence and competence with money. With nearly two decades of experience in financial services, financial planning, psychology, and organisational change, she teaches women to understand their money behaviours, overcome financial blocks, and make empowered investing decisions. Philippa’s programs blend financial literacy with self-awareness, guiding clients toward long-term security, smarter spending, and strategic investing. She is recognised for her practical approach to financial independence and her passion for transforming mindsets around wealth and risk.

Meet The Property Twins
The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage brokerage and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

John Lindeman is one of Australia’s most respected property researchers and market forecasters, with decades of experience analysing what actually drives price growth. If you want to know how to buy your first investment property in Australia without getting caught in hype, this episode is essential viewing.

In this conversation, John Lindeman breaks down why property markets are more predictable than most people realise, how timing beats blind “time in the market,” and why data without on-the-ground context can cost investors dearly. We dive into buyer’s markets, artificial booms, AI-driven predictions, and what really separates smart investors from the crowd.

Episode Takeaways:
✅ How to buy your first investment property in Australia with confidence
✅ Why timing matters more than holding forever
✅ The biggest mistakes first-time property investors make
✅ How data and demand actually drive price growth
✅ Where Australian property markets may head next

Timestamps:
00:00 Property Markets Are Predictable
03:02 Can Data Predict Property Prices?
06:55 Too Much Data Hurts Investors
09:03 Why On-the-Ground Research Is Critical
13:08 Can AI Predictions Manipulate Markets?
16:54 The 3 Drivers of Price Growth
20:56 Is There a Limit to How High Prices Can Go?
25:11 Australia’s Housing Crisis Explained
28:54 Sydney Property Outlook Explained
31:52 Is Adelaide Nearing Its Peak?
35:08 Are Melbourne Properties Undervalued?
38:39 Why Tasmania Could Standout
42:25 Why Buying at the Peak Hurts
45:18 How Accurate Are Market Predictions?
47:22 John Lindeman’s 2026 Property Hotspot
50:14 Can Cheap Regional Property Double in Value?
53:56 Where to Find John’s Research

Meet John Lindeman

John Lindeman is one of Australia’s foremost property market analysts, authors and commentators, renowned for his predictive insight into housing trends and investment strategy. With over fifteen years of experience researching market dynamics, he founded Lindeman Reports, delivering data-driven forecasts used by investors nationwide. John’s monthly housing research has featured in Australian Property Investor Magazine and he regularly contributes to Your Investment Property Magazine, Property Update, Real Estate Talk and Eureka Report. He’s also the author of best-selling books Mastering the Australian Housing Market and Unlocking the Property Market and holds a patented solution for suburb-level price prediction.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are outperforming in key markets and how first-time investors can make smart moves, without waiting for the “perfect” time.

We also dive into high-growth regions, overlooked suburbs, and why investors need to stop chasing trends and start looking forward.

Episode Takeaways:
✅ Interest rates are overrated. The media overplays interest rates. Most property movements are driven by supply, demand, and economic activity, not RBA decisions.
✅ Never sell too early. Terry’s personal regret: selling great properties too soon. Long-term hold strategies build serious wealth.
✅ Ignore the headlines. Media commentary is often sensational and contradictory. Real research beats clickbait.
✅Western Sydney is booming. The new airport and surrounding economic zone are creating long-term opportunities in once-overlooked suburbs.
✅Timing beats hype. The best growth often happens in markets that currently look flat but have strong fundamentals.

Meet Terry Ryder
Terry Ryder is one of Australia’s leading independent property commentators and the founder of Hotspotting, a research platform helping investors identify high-growth locations before they boom. With a background in journalism, including roles at the Australian Financial Review and Courier Mail, Terry has spent over three decades analysing property trends and exposing market myths. His data-backed insights are regularly featured across major media outlets, and his work empowers everyday investors to make informed, forward-focused decisions. Through Hotspotting, Terry continues to guide thousands of Australians in building successful portfolios based on local economies, infrastructure growth, and real-world fundamentals.

Meet The Property Twins
The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Shane Oliver is one of the most respected voices in Australia when it comes to the economy and financial markets. As the Chief Economist at AMP, he’s spent over four decades analysing interest rates, market cycles, and housing trends, earning a reputation for cutting through the noise with clarity and precision.
In this episode, Shane breaks down exactly where we are in the current rate cycle, why affordability in Australia has become worse than ever, and how cities like Melbourne might be poised for a quiet comeback.

We also unpack the growing divide between generations, superannuation changes, the unintended consequences of government policy, and the critical supply issues fueling the housing crisis.

Episode Takeaways:
✅ Rate cuts are here, but relief will be slow
✅ Supply, not demand, is driving the affordability crisis
✅ Melbourne may be the best value market right now
✅ Politics and policy are widening the wealth gap
✅ The RBA doesn’t set interest rates for homebuyers
✅ Property and shares both have a place in your portfolio

Meet Shane Oliver
Shane Oliver is Chief Economist and Head of Investment Strategy at AMP, where he oversees diversified investment funds and provides expert analysis on economic trends and market cycles. With over 35 years of experience, Shane is widely regarded for his clear insights on interest rates, inflation, property, and global markets. He is a sought-after media commentator and a trusted voice in Australian finance, regularly contributing to publications, broadcasts, and investor forums. Shane holds a PhD in economics and brings a deep, research-driven approach to understanding the forces that shape investment outcomes.

Meet The Property Twins
The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Margaret Lomas is one of the most respected and influential voices in Australian property investing. As the bestselling author of nine books and founder of Destiny Financial Solutions, she’s spent over two decades educating everyday investors and challenging industry spruikers.

In this episode, Margaret shares how she built a property portfolio from the ground up starting at nearly 40 and why beginners need to ignore the noise and focus on strategy. We dive into how to find and balance cash flow and capital growth, why market timing matters more than people admit, and how to spot red flags in flashy property deals and “free” advice.

Episode Takeaways:

✅You don’t need to choose between cash flow and capital growth
✅Margaret’s “20 Must-Ask Questions” framework for better investing
✅Emotional decisions destroy good investments
✅Regional areas can work but require timing & skill
✅Spruikers are everywhere giving “free” advice
✅Passive income comes later

Meet Margaret Lomas

Margaret Lomas is one of Australia’s most respected property investment experts, with over three decades of experience and a portfolio of more than 35 investment properties. She is the founder of Destiny Financial Solutions and the bestselling author of nine property investment books. Margaret is a passionate advocate for ethical advice in the industry, having co-founded the Property Investment Professionals of Australia (PIPA). A sought-after speaker and media commentator, she has also hosted several property-focused TV shows and podcasts. Margaret is dedicated to educating investors and empowering them with the tools to make informed, independent property decisions.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.