Negative gearing is back on the chopping block… or at least back in the headlines. In this episode, Jules and Ripehouse GM (and long-time investor) Ian Dowson break down what negative gearing actually is, why it exists, what happened when a government tried to remove it, and what today's proposed changes could really mean for investors, rents and affordability.

You'll hear:
• A simple explanation of negative gearing and how the tax offset works
• Why private investors carry Australia's rental market – and the 1980s "rents went bonkers" lesson
• How possible limits or changes could affect prices, rents and who can still buy investments

Book a free chat with the Ripehouse team: https://ripehouseadvisory.com.au

Money controls where you live, how you invest, and the wealth you build for your family.

Yet most Australians would rather talk about politics, health, and even their love life - before they'll share anything about their financial situation.

In this episode, we reveal exactly why Australians have such a complex relationship with money, why financial literacy is still so low, and what you can do to change your money mindset - to help create long-term wealth through smarter investing.

If you've ever felt unsure about property investing, confused about debt, or uncomfortable discussing money with your partner, this is a conversation you need to hear.

Tune in to discover:

✅ Why Australia's tall poppy syndrome keeps people financially stuck
✅ How childhood money memories shape every financial decision you make as an adult
✅ The gap in the education system leaving most Australians financially illiterate
✅ Why money avoidance in relationships starts small… but compounds fast
✅ The mindset shift from scarcity to abundance (this separates wealth builders from everyone else)
✅ How to build a "money team" of professionals who accelerate your investing journey
✅ Simple ways to normalize money conversations with your partner and kids starting today

Key Moments:

00:00:00 Intro
00:01:00 Money Runs Everything
00:02:20 Why Australians Won't Talk About Money
00:03:40 How Childhood Shapes Your Money Beliefs
00:05:20 Schools & Money
00:07:20 First Exposure to Investing
00:10:00 Normalizing Money Conversations
00:11:00 Money and Relationships
00:11:40 Scarcity vs. Abundance Mindset
00:12:20 Build Your Money Team
00:13:40 The No BS Takeaway

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👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-


✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Most people start property investing in Australia thinking it's all about picking the right property…

Yet the investors who actually build wealth, create passive income, and reach financial freedom start somewhere completely different.

Miss this one step, and every investment property you buy after could be the wrong one.

In this episode of the No BS Property Investing Podcast, we break down one of the most overlooked fundamentals in Australian property investing - clarity of purpose.

Because even the best investment property means nothing if it doesn't align with your long-term property strategy, your timeframe, or your real financial goals.

Here's what we cover:

✅ Why most property investors have no clarity on their real financial goals
✅ The biggest mistake Australians make before buying an investment property
✅ How to align your property investment decisions with your life goals
✅ Why "passive income" from property isn't as simple as it sounds
✅ Setting realistic growth expectations and investment timeframes
✅ Why taking action beats over-planning your property portfolio
✅ The truth about how property wealth is actually built (hint: it's not linear)

Key Moments:

00:00:00 Intro
00:01:00 A 5-Year-Old's Property Wisdom
00:02:40 Goals Investors Actually Chase
00:04:20 Clarity Before Action
00:05:20 Partner Alignment
00:07:20 Setting Realistic Timeframes
00:09:00 Growth Expectations vs Reality
00:10:00 About Exit Strategies
00:11:40 Understanding Your Exit Number
00:12:20 The Slingshot Effect
00:13:20 Questions Before You Buy

If you’re trying to build wealth through property, this episode will help you cut through the noise and focus on what actually matters.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Buying an investment property in Australia? Before you decide whether to use a buyer's agent, you need to hear this.

Most property buyers walk into negotiations completely unrepresented, whilst the seller has a professional real estate agent fighting to get the highest price possible.

That imbalance can cost you thousands (or MUCH more).

In this episode of the No BS Property Investing Podcast, we’re breaking down what a buyer’s agent actually does, who should use one, and whether it’s worth it for your situation.

Tune in to discover:

✅The truth about real estate agents (and who they really work for)
✅What a buyer’s agent actually does behind the scenes
✅Why most property buyers are at a disadvantage
✅Do you need a buyer's agent? Who should use one and who shouldn't
✅The biggest mistakes people make when buying property
✅Red flags to watch out for when choosing a buyer’s agent

Because the difference between buying right and buying wrong isn’t luck…
It’s strategy, negotiation, and having the right people in your corner.
And most buyers get this part completely wrong.

Key moments:

00:00:00 Intro
00:01:00 Real estate agents
00:03:40 What buyer's agents actually solve
00:05:40 Day-to-day of a buyer's agent
00:08:00 What happens after the offer
00:11:00 Who should use a buyer's agent
00:14:00 The 1% better principle
00:15:20 Who should NOT use one
00:18:00 What to look for
00:21:00 Red flags to run from

Whether you're a first home buyer, a seasoned investor, or someone who's been scrolling realestate.com.au after the kids go to bed…

Hit play now and find out if you've been leaving money on the table every time you buy.

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Every year, the headlines scream the same thing: “Crash coming”, “Hotspot revealed”, “Wait or buy?”... but the investors quietly building real wealth aren’t listening to the noise.

In this episode, we’re breaking down what successful property investors in Australia are actually doing in 2026 - and more importantly, what they’re NOT doing.

If you’ve been waiting for the “perfect time” or you’re stuck consuming endless property content without taking action, this conversation will challenge how you think about investing.

Tune in to discover

✅What’s actually changed in the 2026 property market
✅How smart investors prepare BEFORE buying (not after)
✅The truth about borrowing capacity, lending changes, and rate rises
✅What really causes most investors to fail
✅How to build a 10-year property portfolio strategy
✅Why having the right team (broker, buyer’s agent, accountant) is critical

Key moments:

00:00:00 Intro
00:01:00 Discipline Over Prediction
00:02:00 Lending Changes in 2026
00:03:00 Supply and Demand Fundamentals
00:04:20 What Disciplined Investors Know
00:06:00 Getting Fully Assessed Approvals
00:07:20 Strategic Planning
00:08:40 What Successful Investors Avoid
00:10:00 Stop Waiting for a Crash
00:11:20 Why DIY Research Backfires
00:12:00 The 2036 Wealth Blueprint
00:13:20 Boring Consistency Wins

Hit play now - your future portfolio will thank you.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Self-Managed Super Funds are booming in Australia, and more investors than ever are buying property inside their super.

But before you jump into SMSF property investing, you need to understand the rules, risks, and strategies on a deeper level.

In this episode, we’re breaking down exactly when buying property through an SMSF makes sense - and when it’s a costly mistake (as always, seek personalised & professional advice before making any investment decisions).

This episode cuts through the noise and explains how SMSF property really works in Australia. From borrowing structures and deposits to the biggest traps investors fall into.

What You'll Learn in This Episode:

✅ Why Self-Managed Super Funds are surging in Australia
✅ How SMSF property loans actually work
✅ The deposit requirements and borrowing rules for buying property in super
✅ The tax advantages of SMSF property investing
✅ Why most major banks have exited the SMSF lending market
✅ The biggest mistakes investors make with SMSF property
✅ Why asset selection is the most important factor in your super performance
✅ The dangers of developer stock, house & land packages, and off-the-plan apartments
✅ Why you should avoid “one-stop shop” SMSF property schemes

Key moments:

00:00:00 Intro
00:01:00 The SMSF surge
00:03:30 Lending complexity
00:04:35 Separate borrowing capacity
00:07:15 Control and transparency
00:09:00 Restrictions inside super
00:10:40 Renovation and development limits
00:12:15 Tax advantages
00:14:15 Liquidity buffer requirements
00:15:35 Dangers of over-leveraging
00:17:00 Cowboy decisions and crypto
00:17:35 One-stop-shop operators exposed
00:19:00 Why apartments and house-and-land fail in super
00:21:20 Making the final decision
00:23:40 Stress testing your numbers
00:25:40 The no-BS takeaway

If you’re considering buying property inside your super this episode gives you the breakdown of what works, what doesn’t, and how to protect your retirement - listen now.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Every property investor in Australia just got a wake-up call... the capital gains tax discount is under threat again.

In this episode, we break down the latest discussion around the capital gains tax (CGT) discount in Australia, what it could mean for property investors, and why reacting to headlines could be one of the biggest wealth mistakes everyday Australians make.

If you’re a property investor or aspiring property investor trying to build long-term wealth - we unpack whether changes to the CGT discount would really lower house prices.

We also explore how changes could affect rental supply and why many investors may simply hold property longer rather than sell.

Most importantly, we explain the one thing that can cost you more than any potential tax change.

In this video, we cover:

✅What the capital gains tax discount currently is in Australia

✅Whether there is any legislated CGT change right now

✅How CGT changes could affect property investors and long-term returns

✅Whether removing the CGT discount would actually reduce house prices

✅The likely impact on rental supply, investor behaviour, and housing stock

✅What everyday Australians should focus on instead of tax-policy panic

Key moments:

00:00:00 Intro
00:01:00 CGT Rumors Explained
00:02:40 What's Actually Being Discussed
00:04:00 Why CGT Discount Matters
00:05:40 Impact on Investor Returns
00:07:00 Sophisticated vs Average Investors
00:08:00 The Cane Toad Effect
00:08:40 Public Housing vs Private Stock
00:09:40 Will Prices Actually Drop?
00:11:20 Structure Over Tax Obsession
00:13:00 Real Risk for Families
00:15:00 No BS Takeaway

We also unpack the real numbers behind a potential CGT shift and how these numbers will impact investors.

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/

Interest rates are rising again! But does that actually change anything for property investors?

Every time the RBA announces a rate rise, headlines explode, and the property market conversation goes into panic mode.

In this episode, we break down what interest rate rises really mean for property investors.

More importantly, we explain why experienced investors often see rate cycles as opportunity, not risk - and what those opportunities actually are.

If you’re wondering whether now is the right time to invest in property, this conversation will help you cut through the headlines and focus on what actually matters.

Tune in to discover:

✅ Do interest rate rises actually impact property prices?
✅ How borrowing power changes when interest rates increase
✅ Why experienced investors often buy during uncertainty
✅ The relationship between interest rates, rent growth, and supply shortages
✅ Which parts of the property market are most affected by rate rises
✅ The biggest mistakes investors make during rate cycles
✅ How to structure your finances so rate rises don’t derail your strategy

Key moments:

00:00:00 Intro
00:01:00 Rate rises and the noise
00:02:00 Fundamentals haven't changed
00:04:20 Markets most affected
00:06:40 Bad for investors or not?
00:08:40 Rents when rates rise
00:11:20 Biggest rate cycle mistakes
00:13:40 The panic sell trap
00:15:00 What fence-sitters must do

-

👉Get In Touch With ALIC

https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up

-

👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:

https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025

-

✅About Mark From ALIC✅

Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.

Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.

-

✅About Ripehouse Advisory✅

Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.

With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.

-

✅Contact Ripehouse Advisory✅

https://www.ripehouseadvisory.com.au/