On this week's podcast we're talking about selling your property and the traps to avoid. We've talked about buying properties ad nauseum but not really ever about selling - until now. We've got David Kaity on - property marketing strategist, the founder of Revolutionary Real Estate and author of the book Real Estate Agents Don’t Sell Homes - to discuss how to save on costs when selling! Great chat
Plus we also had an extended discussion with co-host Brooke Cooper about the recent rule changes in Victoria about agents having to disclose the reserve price a week out from auction, and what that means for the market.
And all the latest news and savings tips of course.
David's book:
https://www.amazon.com/Real-Estate-Agents-Dont-Homes/dp/1925447898
Brooke's piece on Victoria's auction news:
https://www.savings.com.au/news/victoria-forces-disclosure-of-auction-reserve-prices-in-crackdown-on-underquoting
Reach out to us at enquiries@savings.com.au
01:46 - Listener feedback
03:44 - Savings tips
07:00 - Inflation roaring back
10:15 - Housing affordability at an all time low
12:52 - CBA withdraws sub-5% home loan
16:40 - Brooke on auction rule changes in Vic
33:14 - David on why auctions are a bad idea
We spoke to savings scribe Denise Raward on home loans under 5%. There are a few out there, and Denise keeps a close eye on the market movements. However, most are fixed instead of variable, so you'll need to weigh up if it's worth it to 'lock it in Eddie'.
Forgive the echo at the start - it gets better, I promise.
Denise's article:
https://www.savings.com.au/home-loans/which-home-loans-offer-interest-rates-below-5
Reach out to us at enquiries@savings.com.au
00:27 - Denise's savings tip
02:02 - Sub-5% home loan providers
03:31 - Variable rates under 5%
05:49 - Why more popular on fixed
08:15 - What's a good rate these days?
10:34 - Potential rate rises on the horizon
11:24 - Compare lenders with Denise's article
The ABS' lending indicators report showed a marked uptick in the level of investment lending, in fact it's at a record high. Credit growth is also at its strongest level in a decade - the last time it was this hot, APRA put the handbrake on investment lending. On to discuss why and how investment lending has grown so hot is Joel Bowman, the senior economist at Domain. He also spoke about the impact on first home buyers, including the expanded guarantee scheme and how that factors in.
Reach out to us at enquiries@savings.com.au
00:44 - Joel's savings tip
01:25 - Reasons for investment lending uptick
02:57 - Potential APRA handbrakes?
05:34 - Uptick in Victoria despite doom and gloom
07:44 - Moving to first home buyers
09:24 - Spring selling season, how it's going
The ABS' lending indicators report showed a marked uptick in the level of investment lending, in fact it's at a record high. Credit growth is also at its strongest level in a decade - the last time it was this hot, APRA put the handbrake on investment lending. On to discuss why and how investment lending has grown so hot is Joel Bowman, the senior economist at Domain. He also spoke about the impact on first home buyers, including the expanded guarantee scheme and how that factors in.
Plus we spoke to savings scribe Denise Raward on home loans under 5%. There are a few out there, and Denise keeps a close eye on the market movements. However, most are fixed instead of variable, so you'll need to weigh up if it's worth it to 'lock it in Eddie'.
And all the latest news and savings tips of course.
Denise's article
https://www.savings.com.au/home-loans/which-home-loans-offer-interest-rates-below-5
Reach out to us at enquiries@savings.com.au
01:30 - Savings tips
04:22 - Unemployment news
07:30 - ING savings account increase & cut
10:04 - Wage growth strong but steady
14:13 - Denise on sub-5% home loans
26:51 - Joel Bowman on investment lending levels
We chat to savings scribe Bea Garcia about transitioning from renting to buying a home and how to know you are ready. It comes down to flexibility versus stability.
Bea's article here:
https://www.infochoice.com.au/home-loans/transitioning-from-renting-to-buying-a-home
00:45 - Savings tip
01:47 - Knowing when you're ready
04:14 - Finance and lifestyle tradeoffs
07:00 - Does it make sense in 2025/26
08:47 - How to prepare to make the jump
Reach out to us at enquiries@savings.com.au
This week we're talking housing supply. We've talked about it a few times before, but the recent building approvals data shows a healthy uptick in homes approved for construction, most notably apartments. So, is this a positive sign? Here to discuss all that and more is Shane Garrett, the chief economist at Master Builders Australia. Great chat!
00:50 - Savings tip
02:02 - Uptick in building approvals
03:45 - Housing Accord targets
06:10 - Labour shortages and red tape
09:14 - Immigration
11:06 - Apartments vs houses
14:22 - Calls from the mother country
Reach out to us at enquiries@savings.com.au
This week we're talking housing supply. We've talked about it a few times before, but the recent building approvals data shows a healthy uptick in homes approved for construction, most notably apartments. So, is this a positive sign? Here to discuss all that and more is Shane Garrett, the chief economist at Master Builders Australia. Great chat!
And we chat to savings scribe Bea Garcia about transitioning from renting to buying a home and how to know you are ready. It comes down to flexibility versus stability.
And all the latest news and savings tips.
Bea's article here:
https://www.infochoice.com.au/home-loans/transitioning-from-renting-to-buying-a-home
01:50 - Savings tips
04:45 - ubank 90% LVR no LMI home loan
09:48 - ubank savings account rate hike
12:25 - $5k cashback from The Mutual Bank
15:20 - Renting vs buying with Bea Garcia
26:11 - Fixing Australia's housing supply with Shane Garrett
We spoke to savings scribe Bernadette Lunas, editor of Your Investment Property Magazine about building approvals, and what that means for the government's construction goals and for investors.
Bern and Brett Warren's articles on YIP
https://www.yourinvestmentpropertymag.com.au/expert-insights/brett-warren/why-our-housing-shortage-will-drag-on-for-another-decade
https://www.yourinvestmentpropertymag.com.au/news/apartment-approvals-surge-in-september-abs
00:20 - Savings tip
01:51 - Jump in apartment approvals
05:23 - What's needed to achieve targets?
07:28 - What does this mean for investors?
In this episode we're talking about young people's proclivities to invest with Bryan Wilmot, the CCO of investment platform Stake. We talked about the latest research from the firm, plus his general take on the share market right now.
00:35 - Savings tip
01:15 - Hesitation to invest
02:26 - Attitudes towards investing
04:31 - Inheritocracy
06:13 - Investing returns and stacks
08:40 - Rise of AI
10:42 - Are we in a share market bubble?
In this episode we're talking about young people's proclivities to invest with Bryan Wilmot, the CCO of investment platform Stake. We talked about the latest research from the firm, plus his general take on the share market right now.
Plus we spoke to savings scribe Bernadette Lunas, editor of Your Investment Property Magazine about building approvals, and what that means for the government's construction goals and for investors.
And all the latest news and savings tips.
Read Bern and Brett Warren's articles on YIP:
https://www.yourinvestmentpropertymag.com.au/news/apartment-approvals-surge-in-september-abs
https://www.yourinvestmentpropertymag.com.au/expert-insights/brett-warren/why-our-housing-shortage-will-drag-on-for-another-decade
02:09 - Savings tips
05:11 - RBA holds cash rate
10:05 - CBA digi home loan proving popular
12:56 - Westpac selling RAMS
15:45 - Bern's building approvals update
24:58 - Investing research with Bryan
We spoke to savings scribe Harry O'Sullivan about the latest inflation data shocker, and whether it wipes out any chance of another RBA rate cut in 2025.
Harry's article
https://www.savings.com.au/news/economists-say-inflation-numbers-no-cuts-until-well-into-2026
00:20 - Savings tip, travel insurance
02:20 - Inflation surprise
03:35 - Forecasts
04:45 - Any hope of a rate cut?
06:50 - Food prices
08:00 - RBA governor remarks
10:20 - Terminal cash rate
With Harrison away, Brooke Cooper from Your Mortgage co-hosts alongside Dom to break down the big money matters of the week.
In our Dollar Dialogue segment, ING Australia's Head of Consumer Insights Matt Bowen joins Brooke and Dom to discuss new research into Gen Z money habits and why this generation has been somewhat forced into being financially savvy.
And we speak to savings scribe Harry O'Sullivan about the latest inflation data shocker, and whether it wipes out any chance of another RBA rate cut in 2025.
01:37 - Dom & Brooke's savings tips
04:34 - Listener feedback on AUSTRAC red tape
06:00 - RBA card surcharge ban delay
10:19 - ANZ cuts savings account rates
12:35 - Young Aussies turning to AI for financial advice
16:05 - Savings Scribe: Harry O'Sullivan explains the Q3 inflation data shocker
27:35 - Dollar Dialogue: ING's Matt Bowen on Gen Z money habits
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
Head to onlineauto.com.au to see Alexi's reviews.
00:25 - Savings tip
01:40 - Car sales update
02:45 - Biggest sales winners of 2025
03:49 - Biggest losers
05:03 - How EV and hybrid sales are going
07:10 - Rapid fire Q's: Best and Worst
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
00:28 - HSBC's view on gold
02:18 - What's driving the hype
04:06 - Why are share markets also pumping?
05:42 - And what about property
07:52 - HSBC's take on RBA movements
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
We also spoke with Alexi Falson, savings scribe and resident automotive journalist, for the latest in the world of cars. We discussed the highs, lows, and surprises of 2025 in regards to vehicles he's reviewed.
Head to onlineauto.com.au to see Alexi's reviews.
01:55 - Savings tips, pause gym & play around with banks
05:38 - Listener feedback on Darwin property
08:00 - New anti money laundering laws for real estate agents
10:32 - One third of property markets now $1m-plus
13:53 - More commuters cycling to work
16:56 - Alexi's automotive highs and lows of 2025
27:41 - Paul Bloxham's take on gold and investment markets
We also spoke with savings scribe Denise Raward about the $3m super tax changes and what they mean for you. It was one of the key policies Jim Chalmers had been cooking up over the past couple years, but now he wants to significantly change it. Hmmm. Curious.
Denise's article here
https://www.savings.com.au/news/backdown-on-super-tax-for-the-rich
01:00 - Savings tip
03:10 - The super changes
06:28 - Low income earners benefit too
10:28 - Why the change of heart from Chalmers
13:07 - The way it indexes to inflation
15:39 - Hits to the budget
This week, we're talking grocery prices with Grocerize founder Blake Bennett. You might have realised we spoke about Grocerize in episode 126 briefly with James Cudmore, CCO at Newcastle Greater Mutual. We thought hey that's pretty cool, why not get Grocerize on to talk about how it's taking on Coles and Woolies.
And keep your ears peeled (05:07) for a special code for Tip Jar listeners to take advantage of what Grocerize has to offer.
Check out Grocerize here
https://www.grocerize.com.au/browse
00:20 - Savings tip
00:53 - What is Grocerize
03:26 - Why pay for the premium tier
05:07 - Exclusive offer for podcast listeners
06:26 - Price psychology of Coles and Woolworths
09:19 - Partnership with NGM Group
11:28 - Future developments - Aldi?
This week, we're talking grocery prices with Grocerize founder Blake Bennett. You might have realised we spoke about Grocerize in episode 126 briefly with James Cudmore, CCO at Newcastle Greater Mutual. We thought hey that's pretty cool, why not get Grocerize on to talk about how it's taking on Coles and Woolies.
And keep your ears peeled (35:20) for a special code for Tip Jar listeners to take advantage of what Grocerize has to offer.
Check out Grocerize here
https://www.grocerize.com.au/browse
We also spoke with savings scribe Denise Raward about the $3m super tax changes and what they mean for you. It was one of the key policies Jim Chalmers had been cooking up over the past couple years, but now he wants to significantly change it. Hmmm. Curious.
And all the latest news and savings tips of course.
Denise's article here
https://www.savings.com.au/news/backdown-on-super-tax-for-the-rich
01:30 - Savings tips, bank emails & cheap Google Pixel
04:00 - Payday super news
06:25 - RBNZ makes big cash rate cut
09:45 - Darwin property price rebound
13:37 - Super tax backdown with Denise
30:11 - Grocerize grocery comparison with Blake
We spoke to savings scribe Brooke Cooper, editor of Your Mortgage, about why the major banks are walking back their calls for an RBA cash rate cut in November. Inflation could be making a surprise resurgence by one measure, but are they jumping at shadows?
Brooke's RBA rate cut forecast news here
https://www.yourmortgage.com.au/mortgage-news/westpac-officially-alone-in-forecasting-more-2025-rba-rate-cuts
00:13 - Savings tip
01:39 - Changing RBA forecasts
04:15 - What it means for mortgages
08:22 - The balancing act
11:02 - Crunching the numbers
On this week's episode we're talking about divorce - more specifically, how to financially recover from it and rebuild your life. We speak to Gemma Mitchell, author of The Money Reset. At age 28 Gemma found herself divorced, having to juggle kids, investment properties, and more. We discuss how she navigated through that to land on her feet - we also discussed the re-rise of apricot chicken i.e. simple meals to beat the cozzy livs.
Gemma's article on apricot chicken
https://www.savings.com.au/budgeting-finance-tips/apricot-chicken-is-back-and-it-s-saying-something-about-our-wallets
Gemma's podcast
https://www.raskmedia.com.au/podcasts/australian-finance-podcast/
00:33 - Savings tip
01:56 - Book inspiration
03:58 - Unravelling finances
06:12 - Money mindsets
08:32 - The little things
09:52 - Re-rise of apricot chicken