Australian Property Podcast Will negative gearing crash the Australian property market?
Oct 18, 2025
Dive into the debate on whether 40-year mortgages are a path to wealth or a potential debt trap. Explore the current market dynamics, including the competition for listings amid rising interest rates. Discover the impacts of immigration on housing supply and the challenges of meeting government targets. Uncover strategies to future-proof mortgage repayments and consider the risks of the real estate carry trade. Finally, tune in for listener questions that tackle renovation decisions and investment strategies.
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Personal Update: New Uncle Chris
- Chris Bates shared personal news about becoming an uncle and visiting the newborn in the hospital.
- He described his children's reaction and family excitement around the new baby.
Quality Shift In New Apartment Supply
- Modern apartment builds target owner-occupiers with higher quality and bigger units, not cheap investor stock.
- That shift increases build times and reduces rapid supply responses compared to previous investor-led cycles.
40-Year Loans Are An Affordability Symptom
- 40-year mortgages emerge as a response to affordability rather than a radical new product.
- Longer terms lower minimum payments but risk leaving retirees with mortgage debt if borrowers don't actively pay extra.