Welcome back to The Hill I’ll Die On, our Friday mini-series where members of the Property Couch crew share bold property and money opinions they’re willing to stand behind.

This week, tax expert Danish joins Ben Kingsley with a clear message:

Don’t DIY your tax return.

Especially when it comes to capital gains tax.

Dinesh explains how many property investors miss key deductions, overlook important costs, and end up paying more tax than they need to.

From stamp duty to holding costs, he breaks down what’s commonly missed — and why having a professional review your position can make a significant difference.

In fact, in one recent case, a client saved over $10,000 simply by having their tax properly reviewed.

If you’ve had a capital gains event in the last couple of years, this is an episode worth listening to.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ TIMESTAMPS

00:32 – Meet Danish: Property Tax Specialist
01:27 – The Hill: Don’t DIY Your Tax Return
02:23 – Why Capital Gains Tax Gets Missed
03:30 – Real Example: Missed Deductions
05:03 – 99% of People Miss This
05:30 – $10,500 Tax Saving Case Study
06:34 – Why DIY Tax Is Risky
07:02 – Holding Costs Explained
07:29 – Why Record Keeping Matters
08:23 – Hidden Costs You Can Claim
09:33 – Final Advice: Get It Vetted

LISTEN TO THE FIRST 20 EPISODES HERE >>

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What happens when you pay a property deposit in cash… then reimburse yourself from borrowed funds later? 💸

Are buyer’s agent fees tax-deductible? 🧾

Can you still claim deductions on a holiday home if you use it during peak season? 🏡

And just how far can you trust AI when it comes to tax advice? 🤖

In this week’s jam-packed episode, Ben is joined by Julia Hartman, an old friend of the couch and Property Tax Guru, and Danish Ahmed, Empower Wealth’s Senior Tax Advisor. Julia is also the Founder of BAN TACs, a co-operative of Accountants that has been helping thousands of Australians navigate the world of tax since 1992.

Together, they unpack some of the most common (and costly) tax mistakes property investors make, from understanding debt purpose vs debt security to the hidden risks of using the wrong funds for a deposit.

FREE STUFF MENTIONED

• ATO Holiday Home Rules 🏡
  Find out more about the ATO’s proposed changes to holiday home tax treatment or read the official draft ruling here
• Julia Hartman’s Tax Insights ✍️
  Dive deeper into property tax strategies and common pitfalls via Julia’s latest blog posts
• Moorr Platform + MyKNOWLEDGE Hub 📊
  Download the app today and explore expert tax resources, including Julia Hartman’s insights, inside Moorr’s MyKNOWLEDGE
• Empower Wealth Tax Services 🧾
  Get personalised advice on structuring, deductions and tax strategy 👉 https://thepropertycouch.com.au/tax
• Listen to the full catalogue of Julia Hartman’s episodes!

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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If you’ve ever built a budget, felt good about it… and then completely ignored it a week later — you’re not alone.

The truth is that most budgets don’t fail because the numbers are wrong. They fail because they rely on perfect behaviour in imperfect moments.

For the original episode, tune in here: Episode 337 | The 4 Pillars of Money Health.

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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Welcome back to The Hill I’ll Die On, our Friday mini-series where members of the Property Couch crew share bold property and money opinions they’re willing to stand behind.

This week, tax expert Julia Hartman joins Ben Kingsley to tackle a controversial topic:

Blaming landlords for the housing crisis.

Julia argues that increasing taxes, regulations, and costs for investors may actually reduce rental supply — which can drive rents even higher.

In this episode, she unpacks the unintended consequences of policy decisions, the role of market forces, and why some widely accepted solutions may not be solving the problem.

It’s a thought-provoking conversation that challenges the current narrative around housing in Australia.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ TIMESTAMPS

00:39 – Meet Julia Hartman: Tax Expert
00:54 – The Hill: Stop Blaming Landlords
01:14 – Why Punishing Investors Reduces Supply
02:22 – Rising Costs for Property Investors
03:03 – Are Investors Really “Greedy Hoarders”?
04:02 – What Happens When Rental Supply Drops
05:22 – The Unexpected Idea to Increase Housing Supply
06:12 – Why Tax Settings Discourage Solutions
07:11 – Government Policy vs Market Forces
08:17 – Free Market vs Intervention Debate
10:41 – Final Thoughts: What Needs to Change

LISTEN TO THE FIRST 20 EPISODES HERE >>

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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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🏡 What happens when you’re pre-approved… but still not ready to buy?

In Episode 591, Ben is joined by Kirsty, and Couch Crew member, Kirsty “KD” Dunphey, who shares her incredibly honest first-home buyer journey.

Her story is one many buyers will recognise:

• Four years pre-approved before purchasing
• Endless inspections and auction losses
• Information overload from friends and advisors
• Navigating buyer’s agents, brokers and market noise

Along the way, the conversation unpacks some powerful lessons about risk aversion, decision-making, and why buying property is as much psychological as it is financial.

Plus, Kirsty shares the one thing she’d do differently if she could start again. If you’re a first-home buyer stuck in analysis paralysis, this episode is for you.

FREE STUFF MENTIONED

• 📊 Moorr Platform (Free Money Management Tool)
  Take control of your money, track your spending and uncover your surplus: all in one place.
  👉 Join the Moorr Surplus Challenge
  📱 Download Moorr (iOS & Android)

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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“Would I be crazy to buy a freestanding home in a street full of units and townhouses?”

In this throwback episode, Bryce & Ben answer this question from a first home buyer and explore why the answer isn't a simple yes or no.

For the original episode, tune in here: Episode 305 | Chalk & Cheese: The Difference Between The Art & Science of Investing.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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Welcome back to The Hill I’ll Die On, our Friday mini-series inside The Property Couch where members of the Couch Crew share bold money and property opinions they’re willing to stand behind.

In this episode, buyer’s advocate Shane Pope joins Ben Kingsley to unpack a powerful truth most sellers and buyers overlook:

👉 The real estate agent is the most important part of your property transaction.

It’s not just about price.
It’s not just about marketing.

Shane explains why even the best property on the best street can fail to sell if the wrong agent is running the campaign, and how great agents create momentum, communication, and ultimately… results.

You’ll also hear real examples of how agent quality can influence outcomes, how strong operators manage buyers and vendors, and what separates top performers from the rest.

If you’re buying or selling, this episode will change how you think about choosing the right agent.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

👍 Like this video if it helped
🔔 Subscribe for weekly insights on property, finance & money management
📲 Start your money journey with Moorr: https://moorr.com.au

⏱️ TIMESTAMPS

00:46 – Meet Shane Pope: Buyer’s Advocate
01:36 – The Hill: Why the Agent Matters Most
02:08 – The Risk of Inexperienced Agents
03:29 – Real Case Study: Buying Below Market Value
04:47 – What Great Agents Do Differently
06:03 – Can You Overpay for the Right Home?
07:30 – Buyer Trade-Offs: Price vs Location vs Property
08:50 – What Separates Top Agents from Average Ones
11:06 – Marketing vs Pricing: What Really Matters
12:55 – Negotiation Tactics That Win Deals

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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- Youtube

The property market is facing a perfect storm…

Global conflict is driving supply shocks.

Inflation is creeping back in.

Interest rates are rising again.

And now… tax reform is back on the table.

In this groundbreaking episode, Ben is joined by Ray White Chief Economist Nerida Conisbee and Behavioural Economist Evan Lucas to unpack how these forces are colliding and exactly what it could mean for property prices, investors, and the broader economy.

From shifting buyer sentiment to construction cost pressures and the potential changes to capital gains tax and negative gearing, this is one of the most important conversations we’ve had on the future of Australia’s housing market.

Free Stuff Mentioned

• FREE Masterclass: How to Retire on $3K a Week
• Breaking News Episodes:
  • Are New Capital Gain Tax Reforms Coming?
  • Negative Gearing Changes in May 2026 Federal Budget
• Learn more about the Property Investors Council of Australia (PICA)
• Resources mentioned:
  • ABC News: Home building industry facing COVID-like price spikes due to Middle East war
  • Australian Financial Review (AFR): Chalmers pledges substantial savings, Treasury predicts 5pc inflation
  • Ben’s Interview in the AFR: Melbourne homes rate long-term for investors, just not right now
  • REIA's: Joint Statement – Independent economic modelling cautions against more tax on housing in the federal budget
• Guests & Episodes Mentioned:
  • See the full catalogue of Nerida Consibee’s episodes >>

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube