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542 | The Overlooked CGT Timebomb Hidden in Joint Tenancy – Chat with Julia Hartman

By in Podcast, Property Investment

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As tax season looms, we’re bringing back Australia’s #1 property tax expert, Julia Hartman, to help you understand the nuanced world of joint tenancy, debt recycling, and more! 

Julia is the Chief Technical Tax Adviser here at Empower Wealth and the founder of BAN TACS, a cooperative of tax professionals that’s been helping Aussies navigate the world of property tax since 1992. 

This week’s episode is all about how to avoid accidentally handing thousands over to the taxman. 

Here’s what we unpack: 

✅ Debt Recycling: Can you legally turn non-deductible debt into deductible debt?  

✅ Joint Tenants vs. Tenants in Common: How choosing the wrong ownership structure could trigger a massive Capital Gains Tax bill later! 

✅ Victoria’s $50K Land Tax Grab: Who’s caught in the net, and can you avoid it? 

✅ Dominant Purpose: Understand this concept, and you could legally save thousands 

From legislative shake-ups to understanding the grey areas in tax-deduction strategies, this is a jam-packed episode for property investors and homeowners alike. Tune in now!  

Free Stuff  

  • We’re growing — and we’re looking for passionate Buyers Agents to join our team!
    At Empower Wealth, you’ll work alongside some of the best in the business — helping everyday Australians secure their dream homes, build wealth through property, and move closer to financial peace. If you — or someone you know —  is a dedicated professional who puts people first and is ready to grow with a values-driven team, get in touch at Empower Wealth or via The Property Couch. 
  • Give the Gift of Sight – Just $100 Can Change a Life 👁️
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Timestamps  

  • 0:00 – 542 | The Overlooked CGT Timebomb Hidden in Joint Tenancy – Chat with Julia Hartman 
  • 1:15 – In the shadows of tax time…  
  • 3:23 – The $20K instant asset write-off  
  • 4:08 – Exciting upcoming guests; stay tuned!  
  • 6:51 – We’re on the hunt for Buyers Agents!  
  • 8:05 – Bryce’s 50th: Give the gift of sight for $100 😮  
  • 8:28 – Mindset Minute: “Success is something you attract, not something you pursue” 
  • 11:08 – Welcome Julia!  
  • 12:10 – Topic #1: Debt Recycling 
  • 13:13 – What is debt recycling?  
  • 14:59 – Understanding dominant purpose 
  • 16:11 – The Harts Case & Part 4A as the Government’s secret weapon 
  • 19:51 – The Grey Area: Debt recycling with Principle & Interest vs. Interest Only loans 
  • 24:26 – The #3 Definitions of Debt Recycling  
  • 28:11 – “You can’t owe yourself money”: How folks lose deductible interest on their deposit 
  • 31:22 – Topic 2: Joint Tenants Do NOT Technically Inherit, here’s why! 
  • 33:28 – Joint tenants vs. Tenants in common  
  • 34:55 – Julia’s ideal plan 
  • 36:03 – Is it right? Couples carrying forward their partner’s CGT debt  
  • 38:25 – The Catch: Changing from joint tenants to tenants in common 
  • 41:36 – THIS is why Tax planning is essential…  
  • 42:26 – Nuanced Examples: The 6-Year Rule, can stepchildren challenge the rule and more! 
  • 46:59 – Topic 3: Victorian Land Tax Grab – The $50K Trap 
  • 51:00– The ATO tripwire & data matching  
  • 53:04 – What triggers this tax?  
  • 56:30 – Is it possible to avoid this? CGT, Small business concessions & moving your home businesses  

And… 

  • 59:04 – What a fantastic fireside chat with Julia!  
  • 1:00:55 – Life by design hack: Don’t ask you child what they want to be when they grow up. Ask these 5 Qs instead!  
  • 1:03:26 – WMPN: What do US’ tariffs mean for Australia’s economy?  

 

541 | How to Align Your Financial Plan with Your Partner

By in Podcast, Property Investment, Q&A

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These are the questions you’re thinking… but haven’t asked yet. 

This week’s Q&A Day is a goldmine for anyone navigating the trickier parts of property investing — especially when it’s not just about the numbers, but the people involved. 

🏠 Jason’s got a long-term strategy (and a property plan to back it), but his partner’s worried about short-term costs. How do you bridge that gap when you’re not on the same page financially? 

💬 Monty (aka Ross) wants to know — should you release equity from your investment property or your home… and what does that mean if you’re planning to upgrade your principal place of residence in the next few years? 

💸 Tom asks us a fantastic question that we think will clear up a common misunderstanding about offset accounts and P&I loans. 

From communicating better with your partner to understanding the real mechanics behind your loan structure — we’re covering it all. If you’ve ever thought, “Surely, I’m not the only one confused by this,” then this episode is for you! Listen now.   

Free Stuff  

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  • Have you faced the same challenge as Jason — or do you still have questions after this episode? We’d love to hear from you!
    If you’ve found a way to bridge the gap with your partner around financial planning or property investing, share what worked for you! Your story could really help others in the community.Or if you’re still feeling unsure about something we covered — whether it’s equity release, offset accounts, or anything else — let us know what’s unclear. Your question might be the one someone else is too afraid to ask. Head to our SpeakPipe and record your message today!  

 

  • Give the gift of sight for just $100! 
    To celebrate his 50th birthday, Bryce is partnering with the John Fawcett Foundation to restore sight to those who need it most. Together, we’ve already made a huge impact with more than $50,000 raised — but we’re not done yet. We’re aiming to hit $60,000 by 27 May! As Jeff, a TPC listener put it best: “It just felt so real — giving sight to unsighted people. I signed up and donated in 10 minutes.” Every dollar goes directly to sight-restoring surgeries. Here’s what your money can restore!

    • 👁️ $100 = Sight for 1 person
    • 👁️👁️ $200 = Sight for 2 people
    • 🖐️ $500 = Sight for 5 people
    • ✋✋ $1,000 = Sight for 10 people
  • Help us to give sight back to those in need. Donate today >>

Questions We Answer

Q1) Bridging the Gap on Property Investment with My Partner from Jason  

“My partner and I have different perspectives on property investment. While I’m following our Empower Wealth property plan that considers our long-term strategy with our lifestyle by design, she’s concerned about the initial negative gearing and short-term costs. This recently came up when we purchased an investment property. 

Her background as a Chartered Accountant makes her very detail-oriented, and the initial financial outlay understandably worries her. I believe there’s a way to bridge this gap by clearly communicating our overall financial goals and the long-term benefits of property investment.  

However, getting her engaged in these conversations is proving difficult. She is the plumber who doesn’t like doing their own plumbing. 

What I’d like to know: 

How can I effectively communicate the long-term benefits of property investment to address her short-term concerns? 

What strategies can I use to encourage her to participate in financial planning conversations?” 

 

Q2) Investment Properties vs. Principal Place of Residence from Ross 

G’day guys, it’s Monty here.  

Thanks for the amazing work and the great content you produce each and every week on the podcast. My wife and I are very fortunate to have 3 properties. We have our principal place of residence in Sydney with roughly $300,000 owing on that.  

We have an investment property up in Brisbane, which we’ve had for roughly 10 years, and our second investment property is in Perth, which we’ve had for 3 years. All three properties are in separate loans, and they’re not linked at all.  

Obviously, the last couple of years we’ve seen significant growth across all three properties, and we’re looking at purchasing our 3rd investment property sometime this year. The question I had was, is it beneficial to release equity from either of the investment properties, or is it better to release more equity from our principal place of residence?  

Over the next 5 years or so we’re looking at upgrading our principal place of residence, and I wondered that if we released equity from our Sydney home, would that have implications down the track when we actually sell that Sydney home to upgrade our principal place of residence?  

Being teachers, my wife and I, we’re always interested to learn as much as we can, and that’s where you guys have been amazing over the last 10 years or so. It would be great for any information you could provide.  

Obviously, we want to do the best for our 3 kids, and hopefully we can help them out in the future. So any information you have on this topic would be greatly appreciated. Thanks again for the great work you do and up the mighty Swannys in 2025.  

Thanks guys. 

  

Q3) Principal & Interest (P&I) vs Interest Only (IO) Offset Cashflow Feedback from Tom  

Hi Team, 

I’ve been debating whether to bother you with this or not as it may be a very rudimentary misunderstanding of mine, but after Thursday’s episode nearly addressed it and after doing some consulting with Opti to see if you had in a different ep, I wonder if I’m not alone in a knowledge gap I had before working with Joel. 

I’ve only ever had IO loans and as a result know very little about the mechanics of P&I loans (as I imagine many first home buyers or maybe other investor only, non owner oc’s like me may have too).  

During the planning with Joel I learned that an offset against a P&I loan doesn’t change the monthly repayment amount, just the proportion of P&I paid each month. i.e. improves the debt position but not monthly cashflow. 

Admittedly, I have not cut a full lap, I’ve not listened to 273 through to 494, so excuse me if it’s mentioned in these eps. Asking Opti, it pointed me to ep 448 where you skirt around it but not explicitly mention it. 

So to summarise, before being corrected by Joel, even after listening to nearly 300 eps, my previous naive understanding was that offsetting any debt improved cashflow AS WELL as lowered interest paid, So, I had grand plans where I could park company money into a home offset from time to time to improve cashflow, which I realise now is silly but again if i’m thinking it then maybe others might be too. 

For clarity, I am not explicitly looking for an improved cashflow position (paying a future home loan off earlier is fine by me) I was just so accustomed to the cashflow benefit of offsets on IO loans, and never really bridged the gap of how P&I worked in practice, I felt adequately foolish after we finished the meeting that day but at the same time validated the choice to pay for the big guns. 

I’ll leave you to do with this as you wish. 

Thanks again for all you do.

Tom

 

Timestamps  

  • 0:00 – How to Align Your Financial Plan with Your Partner
  • 1:47 – How to Retire on $3K a Week: Pre-orders now OPEN!  
  • 3:13 – Our service dedicated to owner-occupiers?! 
  • 4:37 – Moorr Mobile Update: Historical tracking now LIVE! 🎉  
  • 5:29 – Bryce’s 50th: Give the gift of sight for just $100!  
  • 7:46 – Mindset Minute: “Listen to the people closest to your goals!”  
  • 8:22 – Q1) Bridging the Gap on Property Investment with My Partner from Jason 
  • 10:20 –  But… the properties are making a net loss?  
  • 14:34 – “A human convinced against their will, remains unconvinced still…” 
  • 15:41 – Solution #1: Low-pressure conversations 
  • 16:55 – Solution #2: Let them choose their lane  
  • 17:43 – Solution #3: Neutral third-party 
  • 19:24 – Solution #4: The opportunity cost 
  • 20:00 – Why you need to understand the rate of return calculation  
  • 22:35 – The dilemma of residential property investing  
  • 26:14 – Why you want 9% gross property return  
  • 28:31 – Experienced the same problem? Send us a SpeakPipe of your solutions!  
  • 29:35 – Q2) Investment Properties vs. Principal Place of Residence from Ross 
  • 31:43 – Let’s take a moment to honour their achievement!  
  • 32:49 – What is the goal? Do you need a third investment property?  
  • 37:35 – Ben puts on his “investment-savvy mortgage broker” hat 
  • 41:56 – Summary   
  • 43:19 – Q3) P&I vs IO Offset Cashflow Feedback from Tom 
  • 47:08 – EXPLAINED: Amortising loans  
  • 49:39 – Solutions to recalibrate your loans later  
  • 52:15 – What if you have a substantial amount in your offset?  

And…

  • 54:15 – Life by Design hack: Cost-effective camp hack  
  • 56:40 – WMPN: What do Trump’s tariffs mean for Australia, rate cuts and property?

 

540 | Hiding in Plain Sight: What this REA Economist is Seeing that You Aren’t! – Chat with Anne Flaherty

By in Podcast, Property Investment

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Is demand finally absorbing after the RBA’s February rate cut? 

Which state is on track to become the most affordable rental market in 2025?   

What’s next for Perth — boom or bust? 

And where is the elusive “missing middle” data hiding? 

We’re diving into all this (and more!) in this week’s brand-new episode, featuring a first-time guest who’s on the front line of Australia’s property trends… 

Please welcome Anne Flaherty, Senior Economist at REA Group — the brains behind realestate.com.au and realcommercial.com.au!  

Anne brings over a decade of property economics experience, writes a regular column in The Australian, and is a go-to voice for market commentary across national media. 

And yes — she’s bringing the data gold.  

From what’s really driving undersupply state-by-state to how big-picture economic trends will shape your investing strategy in 2025…  

This is one episode you can’t afford to miss. Tune in now, folks!  

Free Stuff  

  • Over $50,000 raised — now let’s reach $60,000 by 27 May! 🎉
    Bryce is turning 50 — and to mark the milestone, he’s teaming up with the John Fawcett Foundation to change lives through sight-restoring surgeries. Thanks to this incredible community, more than $50,000 has already been raised — but we’re not done yet. Help us raise another $10,000 by 27 May 2025 and give the gift of sight to those who need it most. Donate today!
  • Join the waitlist for our third book: “How to Retire on $3K a Week” 
    You’ll get exclusive first access to the book launch, early access discounts and insider updates, PLUS behind-the-scenes content! Join the waitlist today >>
  • Beware of growing climate risks!
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Timestamps  

  • 0:00 – Hidden in Plain Sight: What REA’s Economist is Seeing That You Aren’t – Chat with Anne Flaherty   
  • 1:13 – Bryce’s 50th: Donate the gift of sight 
  • 3:15 – Incoming Federal Budget deep dive…  
  • 3:54 – Moorr Update: The Value over Time insights tool is READY!   
  • 4:23 – Join the waitlist for our latest book: How to Retire on $3K a Week  
  • 4:54 – Mindset Minute: “No matter where you are, future you will be glad you started! Why wait? Don’t wait!” 
  • 6:53– Welcome Anne, Senior Economist at REA!  
  • 7:28 – If we had met you when you were 10 years old, would we have seen an economist in the making? 
  • 9:53 – Money Story: Debating with dad over property values?! 
  • 12:11 – How her background & experience helped her investing journey 
  • 14:33 – “Data doesn’t capture everything” 
  • 15:56 – Anne’s first experiences independently managing money  
  • 17:44 – Did her parents also invest in property?  
  • 19:15 – How much weight should be given to Status vs. Fundamentals  
  • 21:58 – Is long-term sustainable price growth & land value possible?  
  • 24:08 – Does Anne get excited by Lead vs. Lag data?  
  • 27:13 – Is Australia shifting towards premium apartment builds?  
  • 29:09 – Is this the missing middle?  
  • 30:29 – A day in the life of an economist… 
  • 33:41 – When is the next interest rate cut coming?  
  • 35:01 – Where is the housing undersupply most severe?  
  • 37:46 – State-by-state undersupply levels  
  • 39:41 – Melbourne set to become the most affordable rental market?!  
  • 43:34 – What is the future for Perth’s capital growth?  
  • 46:19 – Demand levels post the RBA’s interest rate cut in February 
  • 49:43 – Is the rising demand broad-based or skewed?  
  • 51:06 – Anne’s view on APRA’s 3% buffer rate 
  • 52:06 – Beware of growing climate risk!  
  • 53:48 – If you could fix one thing about Australia’s housing system, what would it be? 
  • 54:52 – Has anything surprised Anne in 2025?  

And… 

  • 57:29 – Thank you for your expert insights, Anne!  
  • 58:27 – Life-by-design hack: Two, not three!  
  • 1:01:49 – WMPN: Federal Budget housing measures & Labour’s finfluencer strategy

 

539 | CASE STUDY: “Their Forever Home Might Change… BUT Their Plan Didn’t” – Chat with David Robertson

By in Case Study, Podcast, Property Investment

Back by popular demand…

We’re bringing you another powerful Case Study episode featuring someone who lives and breathes property, finance, and wealth planning every single day. 

It’s none other than David Robertson, Head of Property Wealth Planning at Empower Wealth!  

And yes, he’s just as passionate as we are about helping Australians achieve financial peace… no matter where they’re starting or where they want to end up. 

In this episode, we’re unpacking a scenario that proves you DON’T need to have all your ducks in a row to start planning. 

Tune in to learn…

✔️ How to plan for future expenses even if you don’t have exact dates
✔️ Why flexibility can be your biggest strategic advantage
✔️ How this couple optimised their portfolio and cash flow
✔️ Why just TWO investment properties is enough to reach $3,000/week in retirement
✔️ How to “trade through” short-term negative cash flow
✔️ Which Forever Home they chose — the $2.1M or $1.1M option — and why 

🎯 Plus, stick around for Ben’s “What’s Making Property News” segment, where he shares a solution that could save property buyers hundreds of thousands of dollars. 

Whether you’re still figuring out where you want to live or want to see how flexible planning actually works — this episode is packed with practical insights to help you get clear, get confident, and get started. 

Free Stuff  

Timestamps  

  • 0:00 – CASE STUDY: “Their Forever Home Might Change… BUT Their Plan Didn’t” – Chat with David Robertson 
  • 1:11 – Bryce has seen the Freo movie too many times 😉  
  • 2:54 – Donate today and give others the gift of sight! Bryce’s upcoming 50th charity 
  • 4:46 – Free webinar replay: How to retire on $3K a week
  • 5:47 – Spruiker feedback: “Can you show us some sales to justify $620K?” 
  • 10:13 – Mindset Minute: Be careful who you ask advice from!  
  • 14:02 – Welcome back, Dave! 
  • 15:23– The consistent market theme Dave and his team see in property wealth planning 
  • 17:15 – Case Study: John & Jodie’s backstory  
  • 20:18 – A strategy for those that “don’t have all their ducks in row” 
  • 22:44 – Long-term goals & the starting positions  
  • 26:22 – Future expenses: How to plan even if you don’t know the exact dates 
  • 30:21 – The Golden Strategy: Only two investment properties needed?! 
  • 33:11– Considering rentvesting? Listen to this first  
  • 34:15 – Digging into the numbers: Surplus & buffer drops  
  • 36:04 – How investors “trade through” a negative cashflow position 
  • 38:36 – The Forever Home: Should they choose the $2.1M or $1.1M option? 
  • 44:44 – Is it in today’s dollars?   
  • 46:21 – Diving into the debt & short drops in loans  
  • 47:47 – Retirement income source: The balance between super and passive income 
  • 51:48 – Their wealth projection overview 
  • 52:31 – “… and that’s what financial peace looks like.”  
  • 56:33 – Want more great, in-depth case studies? Join the waitlist for our third book! 

And… 

 

538 | Property Spruikers 2.0: The Latest Tactics Designed to Trap You

By in Case Study, Podcast, Property Investment

“History doesn’t repeat itself—people repeat history.”  

Folks, today’s episode is on an issue that’s very close to our hearts and remains just as crucial today as when we started the podcast ten years ago… 

The alarming rise of the new-age Property Spruikers. 

We’re talking about the same tricks but in a new disguise designed to serve one purpose: their own interests at the expense of aspiring Australians. 😮   

Today we’re exposing the updated playbook of today’s spruikers, highlighting the deceptive strategies you need to be wary of.

Here’s what we cover…

⚠️ Rapid mortgage payoff schemes, like the “debt-free in 7 years” illusion 

⚠️ Overloading investors with multiple off-the-plan properties 

⚠️ Reckless “risk-free” promotion of supercharging your Self-Managed Super Funds (SMSF)  

⚠️ Emotional manipulation through high-pressure webinars and seminars

⚠️ Huge advertising budgets of $100K–$220K a week driving aggressive marketing campaigns

⚠️ PLUS, we reveal real case studies of spruikers who’ve been caught, unpacking the tactics these operators use, and the sad consequences for investors who fall prey to them

This is our updated, essential consumer awareness episode, aimed to give ALL investors (and to-be investors) the knowledge and tools to avoid being burnt by “$10 haircuts.”  

  

P.S. We also answer the crucial question: “If you’re already wealthy, why continue working?” and explain our motivations for starting—and continuing—The Property Couch podcast and Empower Wealth, our advisory business.  

Free Stuff  

FREE LIVE WEBINAR: How to Build a Property Portfolio and Retire on $3K per Week (Even in a Changing Interest Rate Environment)

📅 When: 7:30pm AEDT, Tuesday, 25th March

It’s our FIRST live event of 2025, folks—and with interest rates shifting, it’s the perfect time to revisit your property strategy. Join us as we reveal 3 powerful secrets to help you start living your lifestyle by design, including:

  • 🔑 Secret #1: How to build a multi-million-dollar portfolio—without impacting your family budget.
  • 🔑 Secret #2: How to retire on $3,000 per week as a passive investor, with 5 properties or less!
  • 🔑 Secret #3: How the world’s best investors think—so you can block out negative market noise.

🎁 BONUS: Everyone who registers scores a FREE copy of our guide, “Our Top 5 Frameworks for Property Investors”—your essential resource for smarter investing!

Spots are limited! Reserve yours now 👉 (IMPORTANT: You’ll receive an email to confirm your email address once you’ve registered. Make sure to complete this step to receive your unique webinar access link and registration bonus) 

 

(Not Free) Join PICA: Australia’s independent voice run BY investors FOR investors
Become a member of the Property Investor’s Council of Australia (PICA) for just $5! This not-for-profit organisation spreads essential updates, tips and resources against property spruikers, legislative changes and more with the goal of protecting property investors.

 

Articles from Ben’s “What’s Making Property News”: Corelogic’s Bellwether markets point to signs of recovery 

 

Guests & Episodes Mentioned:  

 

Timestamps  

  • 0:00 – Property Spruikers 2.0: The Latest Tactics Designed to Trap You
  • 1:28 – Full disclosure & WHY we started the podcast 10 years ago  
  • 9:51 – Free Webinar: How to Retire on $3K a Week  
  • 10:55 – Mindset Minute: Are you holding on to these leashes or are they holding on to you?
  • 14:01 – The evolve & dissolve story: “History doesn’t repeat itself—people repeat history.”  
  • 16:48 – What is a property spruiker?  
  • 19:33 – Beware this #1 spruiker myth!  
  • 20:40 – The playbook for how spruikers operate 
  • 26:31 – $100k to $220K a week on advertising budgets?!  
  • 29:19 – Strategy #1: “Buy 6, Sell 3” 
  • 35:22 – Strategy #2: “Debt-Free Illusion”  
  • 40:05 – You’re paying for your own guarantee  
  • 41:34 – Strategy #3: “Supercharged SMSF”  
  • 45:01 – Folks, SMSFs aren’t light to set up!   
  • 47:38 – Strategy #4: The “High-Pressure Webinar/Seminar Funnel” 
  • 49:15 – The ASIC process: How they try to defend the everyday investor  
  • 53:21 – “If we’re so wealthy, then WHY are we still working?”  
  • 1:00:20 – Real Case Studies: A) The Institute  
  • 1:03:42 – B) Buy a house for a buck 
  • 1:05:45 – C) The “risk-free” SMSF investments 
  • 1:08:16 – D) New social media-savvy spruikers 😮  
  • 1:10:16 – E) The “Targeting Grieving Homeowners” Scandal 
  • 1:12:58 – Final takeaway: If it sounds too good to be true, it probably is. 
  • 1:14:20 – “You pay for my independent valuer”  

And… 

  • 1:16:26 – Lifehack: Does your kid want a phone? Ask them to demonstrate these 8 things first!  
  • 1:21:46 – WMPN: Bellwether markets point to signs of recovery 

 

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