Welcome back to Money on the Mic. In episode three, Darren and Brodie tackle the controversial question on everyone's mind: Are we in a housing bubble? As global tensions shift and technology rapidly advances, the team explores whether the Australian property market is due for a burst or a steady plateau.

THE BREAKDOWN

This week, the guys debate the stability of the Australian housing market from two different angles. Brodie argues why the current lack of supply, record-low vacancy rates, and high rental yields mean we aren't in a bubble, but rather a market simply meeting demand. On the flip side, Darren looks at the "unhinging" factors that could cause a correction, including the rising impact of AI on the workforce, potential policy changes to negative gearing, and the cooling sentiment in major hubs like Sydney and Melbourne. Whether you believe a crash is coming or growth is permanent, this episode provides the data-driven context you need to understand the 2026 landscape.

In this episode, we chat about:

• The Bubble Debate: Why the detachment from market fundamentals is the key indicator of a bubble.
• Supply vs. Demand: How record-low listings and migration are propping up property values.
• AI and Employment: Why the rapid adaptation of AI agents could be the "undersold" risk to the property market.
• Negative Gearing: The potential fallout if policy changes are tabled in the next election.
• State vs. State: Why WA and QLD are expected to remain strong while Sydney and Melbourne face downward pressure.

CHAPTERS

00:00 – Intro: Is the Australian Dream just a bubble?

01:33 – Defining a housing bubble vs. a market correction.

03:12 – The supply crunch: Why the current market might just be meeting demand.

05:44 – Arrears data: Why mortgage holders are proving more resilient than expected.

08:52 – The Ceasefire Impact: How shifting oil prices are flowing into construction.

14:41 – AI and the Workforce: How technology could unhinge the unemployment rate.

21:12 – The Negative Gearing trap: Is abolishing it a political landmine or a market necessity?

30:25 – Global Context: Comparing Australian city prices to Hong Kong and Norway.

36:45 – 12-Month Predictions: 5% growth vs. 5% decrease

40:50 – Wrap up and how to connect with the Fundd team.

CONNECT WITH FUNDD

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