The Property Couch 589 | Can Property Keep Outpacing Wages? - Q&A Day
Mar 19, 2026
Ben Thompson, a qualified property investment advisor who specialises in portfolio structuring, and Polly Chu, a qualified advisor focused on demand/supply and cash flow, join the conversation. They tackle why property can outpace wages, growth versus yield trade-offs, modular construction and future building costs, and strategies to turn capital into reliable income. The discussion covers borrowing dynamics, net yield importance, and lifestyle trade-offs for buyers.
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Use Household Income Mix When Calculating Borrowing Power
- Do factor household income mix into borrowing capacity because double incomes raise how much you can borrow.
- Polly Chu points out the shift from single to dual incomes materially expanded owner-occupier buying power.
Falling Long Term Rates Are A Structural Tailwind
- Lower long-term interest rates act as a structural tailwind for property values by making borrowing cheaper over decades.
- Ben Kingsley expects rates to trend down over 10–20 years, supporting sustained price pressure.
Watch For Modular And Robotics To Lower Build Costs
- Try to monitor construction inputs for innovation opportunities like modular builds and robotics to lower housing costs long term.
- Ben Kingsley describes factory-built modular housing and future humanoid robotics cutting labour and material costs in 10–20 years.
