this is property

Hosted by John Pidgeon & Rachelle Kroon

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367

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Oct 2026

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About the show

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. See acast.com/privacy for more information.

Listen to episodes

60 recent

October 27, 202643 min

842 upsizing in a down market: bridging loans, deposit bonds & simultaneous settlements (part 2)

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M John and Rach are back with part two of upsizing in a down market, working through your questions on how to buy and sell at the same time. In this episode they touch on: 👉 what a sunset clause is and when it could work for you or against you 👉🏼 bridging loans and the risks to consider 👉🏽 holding two mortgages or renting short term while you sell? 👉🏾 buy first, sell first, hold both or use bridging finance? 👉🏿 how a deposit bond works, and the risk most people misunderstand 👉🏻 how a simultaneous settlement gets pulled off 👉 keeping your old home as an investment when you upsize Listen: 718 upsizing & bridging loans: are they worth it??? Apple Podcasts | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

October 20, 202640 min

841 upsizing in a down market: the maths, the psychology & should you sell first? (part 1)

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M We're doing a 2-part series on upsizing and answering your questions! In this episode, Rach and John chat about: 👉🏼 what is considered a down market? 👉🏽 the risks of buying before you sell 👉🏿 should I sell my home and buy acreage and build? 👉🏻 when is a property too large and detrimental to resale value? 👉 how to make a competitive offer without overpaying 👉🏼 navigating the psychology of selling "at a loss" 👉🏽 Rach and John's top tips this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

October 13, 202645 min

840 upsizing in Sydney, should we build a duplex, commercial property & sell vs rent out old PPOR

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, Rach and John chat about: 👉🏼 a couple seeking reassurance about whether to upsize 👉 should we build a duplex or buy more investment properties? 👉🏾 they want to keep their original PPOR when they upsize but what do the numbers say? 👉🏿 how does commercial property stack up as an investment following the Budget changes? Listen to episode 838 on commercial property: Apple Podcast | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

October 6, 20261 hr 9 min

839 property investor lending roundtable with two of Australia's top investor mortgage brokers

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this episode Rach sits down with mortgage brokers, Aaron Christie-David from Atelier Wealth and host of the Built Different podcast and Katie Thomas from Focus Finance, who's also been named Australia's #1 residential broker. They chat about what's actually happening with investor lending right now, touching on: 👉🏼 the investor lending landscape right now and how it's changed 👉🏽 what's the outlook for commercial property? 👉🏾 should investors buy now or buy later? 👉🏿 what are sophisticated investors doing right now? 👉🏻 how Katie & Aaron work with clients on strategy and risk management 👉 what happens when serviceability becomes an issue? 👉🏼 can people still build the same portfolios today as they could 10 years ago? Connect with Katie & Aaron below: Katie's IG: https://www.instagram.com/katie_focusfinance/ Aaron's IG: https://www.instagram.com/aaronc_d/?hl=en this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

September 29, 202653 min

838 commercial property investing: yields, leases, risks & how to get started with Helen Tarrant

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In today's episode Rach chats with Helen Tarrant, director of Unikorn Commercial Property, one of Australia's leading commercial buyer's agents. Helen has so much experience and knowledge having built a $30M portfolio and helped guide and educate Australians in their commercial property investing journey since 2016. Strap in because this episode is packed with insights and tips! They touch on: 👉🏼 Helen's story - from beauty therapist and law student to now 👉🏽 commercial vs residential - the key differences 👉🏾 types of commercial property and what Helen recommends for beginners 👉🏿 what's the outlook for commercial property in the next 5 years? 👉🏻 how commercial leases actually work 👉 buy a property tenanted or vacant? 👉🏼 average hold times and understanding your strategy 👉🏽 biggest commercial investor mistakes 👉🏾 how commercial lending works Learn more about Unikorn: https://unikorn.com.au/ this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

September 22, 202637 min

837 investor lending, 40-year loan terms, changing property managers, selling to a developer + more

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In today's episode John and Rach discuss: 👉🏼 40 year loan terms: banks are pivoting to find ways to improve investor lending 👉🏽 a practical example of how this changes an investor's borrowing power 👉🏾 how often should your property manager inspect your property? 👉🏿 when is it worth switching property manager and how to 👉🏻 how do banks assess genuine savings vs gifted deposit? 👉 a developer wants to buy my apartment, what should I consider? this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

September 15, 20261 hr 12 min

836 Australian property booms, busts & cycles deep dive with Vince Scully

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M A Sydney suburb has made headlines falling nearly $600,000 in a year according to the AFR. In this episode John chats with Vince Scully from Life Sherpa to unpack the data and context that isn't mentioned, leading into a wider chat about boom and busts cycles. They touch on: 👉🏼 what the headline doesn't tell us about the Sydney suburb that fell 👉🏽 understanding that there are markets within markets 👉🏾 what happens to property during a downturn? 👉🏿 is the 18.6 year cycle theory legit? 👉🏻 was it easier or harder to buy a house when interest rates were 17%? 👉 where does Vince see the unemployment rate and house prices going 👉🏽 tips for investors 👉🏾 will the property changes be reversed or are they here to stay? Related episodes: 739 the boom bust property cycle explained + where are we now? Listen on Apple | Listen on Spotify 344 timing the market: Listen on Apple Podcast | Listen on Spotify Book 15min free chat with John Pidgeon here: https://www.envisageproperty.com.au/free-consultation Glen James' and Vince Scully's new book, 12 Months to Retire Right: https://link.amazon/B07u9ZQgE this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

September 8, 202639 min

835 property fear, shares vs property, single parent buying, selling your property + more

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M In this Q&A, John and Rach talk about: 👉🏼 the property market outlook for investors following the tax changes 👉🏽 how will the new way of negative gearing work 👉🏾 do I have to get my properties valued before 1 July 2027 and how do I do that? 👉🏿 what is selling the process and how much do I get after tax and expenses? 👉🏻 advice for single parents re-entering the property market this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

September 1, 202635 min

834 how to buy your first home: what a buyer's agent wants you to know with Emily Wallace

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M Long time listeners will recognise today's guest because Rach is joined by Emily Wallace - former host of This Is Property and director of Wallace Advocates in Melbourne, one of Australia's most trusted buyer's advocates for first and family home buyers. In this episode Em shares a ton of tips on buying your first home, touching on: 👉🏼 what to have in order before you start looking 👉🏽 what buyers think matters (but doesn't) 👉🏾 what buyers often miss that Em always looks for in a home 👉🏿 choosing the right location 👉🏻 managing emotions in the buying process 👉 when and how to negotiate 👉🏼 should you tell an agent your budget? 👉🏾 when to walk away 👉🏼 what does a buyers agent / advocate actually do? 👉 plus her final piece of advice for first home buyers Em's website: https://wallaceadvocates.com.au/ this is property is proudly brought to you by: Envisage Property: https://www.envisageproperty.com.au/ Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

August 25, 202642 min

833 is the way we buy & sell property about to change forever?

Rachelle's book, The Quick-Start Guide to Your First Property: https://amzn.to/4svhyoH John's book, Sort Your Property Out & Build Your Future: https://amzn.to/45l7n9M What if you could sell your home without paying thousands upfront just to test the market? John and Rach sit down with Geoff Lucas, ex-CEO of McGrath and The Agency, who's launching a new platform called Envelope to solve exactly that. After two decades and over $60 billion in residential transactions, Geoff noticed something: too many Aussies who should be selling aren't because the friction of doing so is just too high. In this episode they touch on: 👉🏼 the market right now & the opportunity for upsizers 👉🏽 the big problem in Aussie real estate 👉🏿 what Envelope actually is and how it works 👉 how it differs from For Sale By Owner 👉🏻 will it put buyers agents and vendor advocates out of business? 👉🏾 how the platform plans to support sellers 👉🏼 the percentage fee model 👉🏽 how Envelope provides a more flexible alternative for sellers View the platform: https://envelope.com.au/ Listen to episode 801 inside Australia’s real estate industry with Geoff Lucas: Apple Podcast | Spotify this is property is proudly brought to you by: Envisage Property Buyers Agent: https://www.envisageproperty.com.au/buyersagent Envisage Property Vendor's Advocate: https://www.envisageproperty.com.au/vendors-advocate-service Sphere Home Loans: https://www.spherehomeloans.com.au Join our Facebook community, Australian Property Chat: https://www.facebook.com/groups/2324273761134945/ We're on Youtube! Subscribe to this is property: https://www.youtube.com/@thisisproperty Hosted on Acast. See acast.com/privacy for more information.

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