How can it be that investors are both selling off properties and borrowing record amounts of money at the same time? In a market with rising interest rates, stricter tenancy laws, and increasing property taxes, why is investor activity still so high? And what does this say about the future of property investment in Australia?

In this episode, we are joined by Stuart Wemyss from ProSolution Private Clients to dig into this situation and break down why, despite all the economic pressures, investor lending is hitting all-time highs in some regions, like Western Australia, while cities like Melbourne and Sydney are feeling the pinch. We talk about how government policies, borrowing capacities, and market psychology are driving these surprising trends.

We also talk about the mindset behind continued property investment – especially in more affordable markets – and why the belief in property as a wealth builder remains so strong. There’s a lot more to it than just the numbers.

So if you’re trying to wrap your head around what’s happening in the property investment space right now, this episode will give you the clarity and insight you need to make sense of it all.

Episode Highlights:

00:00 - Introduction

01:13 - Who is Stuart Wemyss?

01:50 - Is now an ideal time for property investment?

07:01 - Did pre-2013 lending levels ever match today’s highs?

14:03 - Will banks create new products to help first home buyers enter the market?

16:42 - What's really behind the rising investor borrowing and selling rates?

19:13 - How is the shift to investment properties changing Australia's rental dynamics?

36:03 - Is there a shift in investor behaviour due to upcoming policy discussions?

38:53 - Is there growing interest in using superannuation to invest in property?

42:05 - How are current borrowers responding to the potential direction of interest rates?

43:45 - What attitudes are shifting among generations in the Melbourne property market?

52:10 - Stuart Wemyss’ property dumbo

About Our Guest:

Stuart Wemyss is a qualified chartered accountant, independent financial adviser and mortgage broker with over 20 years' experience. His business, ProSolution Private Clients, has helped hundreds of people invest successfully. Stuart is licensed to provide financial, credit and tax advice, which means he's able to give holistic advice.Stuart has always believed in the need for people to be able to access trustworthy, independent financial advice. Nothing upsets him more than to hear about selfish advisers ripping off their unsuspecting clients! This passion is what drives him daily to write books and blogs, publish podcasts, appear in the media, advise his clients, mentor his staff and give presentations &– whatever it takes to help more people access a source of unbiased information and advice.

Connect with Stuart Wemyss:
Follow Stuart on LinkedIn: https://www.linkedin.com/in/stuartwemyss/
Check out Stuart’s book: https://www.prosolution.com.au/buy-investopoly/
Visit Stuart’s website: https://www.prosolution.com.au/
Listen to Stuart’s podcast: https://podcasts.apple.com/ph/podcast/investopoly/id1348458167

Resources:
Visit our website https://www.theelephantintheroom.com.au
If you have any questions or would like to be featured on our show, contact us at: The Elephant in the Room Property Podcast questions@theelephantintheroom.com.au
Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
Work with Veronica: https://www.veronicamorgan.com.au
Looking for a Mortgage Broker? https://www.flintgroup.au
Work with Chris: chrisbates@flintgroup.au

Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word and join us for more insightful discussions in real estate. Your journey starts now!
Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcast
Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719
Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765

How can it be that investors are both selling off properties and borrowing record amounts of money at the same time? In a market with rising interest rates, stricter tenancy laws, and increasing property taxes, why is investor activity still so high? And what does this say about the future of property investment in Australia?
In this episode, we are joined by Stuart Wemyss from ProSolution Private Clients to dig into this situation and break down why, despite all the economic pressures, investor lending is hitting all-time highs in some regions, like Western Australia, while cities like Melbourne and Sydney are feeling the pinch. We talk about how government policies, borrowing capacities, and market psychology are driving these surprising trends.
We also talk about the mindset behind continued property investment – especially in more affordable markets – and why the belief in property as a wealth builder remains so strong. There’s a lot more to it than just the numbers.
So if you’re trying to wrap your head around what’s happening in the property investment space right now, this episode will give you the clarity and insight you need to make sense of it all.
Episode Highlights:
00:00 - Introduction
01:13 - Who is Stuart Wemyss?
01:50 - Is now an ideal time for property investment?
07:01 - Did pre-2013 lending levels ever match today’s highs?
14:03 - Will banks create new products to help first home buyers enter the market?
16:42 - What's really behind the rising investor borrowing and selling rates?
19:13 - How is the shift to investment properties changing Australia's rental dynamics?
36:03 - Is there a shift in investor behaviour due to upcoming policy discussions?
38:53 - Is there growing interest in using superannuation to invest in property?
42:05 - How are current borrowers responding to the potential direction of interest rates?
43:45 - What attitudes are shifting among generations in the Melbourne property market?
52:10 - Stuart Wemyss’ property dumbo
About Our Guest:
Stuart Wemyss is a qualified chartered accountant, independent financial adviser and mortgage broker with over 20 years' experience. His business, ProSolution Private Clients, has helped hundreds of people invest successfully. Stuart is licensed to provide financial, credit and tax advice, which means he's able to give holistic advice.Stuart has always believed in the need for people to be able to access trustworthy, independent financial advice. Nothing upsets him more than to hear about selfish advisers ripping off their unsuspecting clients! This passion is what drives him daily to write books and blogs, publish podcasts, appear in the media, advise his clients, mentor his staff and give presentations &amp;– whatever it takes to help more people access a source of unbiased information and advice.
Connect with Stuart Wemyss:
<ul>
<li aria-level="1">Follow Stuart on LinkedIn: <a href="https://www.linkedin.com/in/stuartwemyss/">https://www.linkedin.com/in/stuartwemyss/</a></li>
<li aria-level="1">Check out Stuart’s book: <a href="https://www.prosolution.com.au/buy-investopoly/">https://www.prosolution.com.au/buy-investopoly/</a></li>
<li aria-level="1">Visit Stuart’s website: <a href="https://www.prosolution.com.au/">https://www.prosolution.com.au/</a></li>
<li aria-level="1">Listen to Stuart’s podcast: <a href="https://podcasts.apple.com/ph/podcast/investopoly/id1348458167">https://podcasts.apple.com/ph/podcast/investopoly/id1348458167</a></li>
</ul>
Resources:
<ul>
<li aria-level="1">Visit our website <a href="https://www.theelephantintheroom.com.au">https://www.theelephantintheroom.com.au</a></li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at: The Elephant in the Room Property Podcast <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
<li aria-level="1">Looking for a Sydney Buyers Agent? <a href="http://www.gooddeeds.com.au/">https://www.gooddeeds.com.au</a></li>
<li aria-level="1">Work with Veronica: <a href="http://www.veronicamorgan.com.au">https://www.veronicamorgan.com.au</a></li>
<li aria-level="1">Looking for a Mortgage Broker? <a href="https://www.flintgroup.au">https://www.flintgroup.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@flintgroup.au">chrisbates@flintgroup.au</a></li>
</ul>
Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word and join us for more insightful discussions in real estate. Your journey starts now!
<ul>
<li aria-level="1">Subscribe on YouTube: <a href="https://www.youtube.com/@theelephantintheroom-podcast">https://www.youtube.com/@theelephantintheroom-podcast</a></li>
<li aria-level="1">Subscribe on Apple Podcasts: <a href="https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719">https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719</a></li>
<li aria-level="1">Subscribe on Spotify: <a href="https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765">https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765</a></li>
</ul>

Who's really in control when you buy a property?

The Elephant In The Room is where the things that no one wants to talk about, actually get talked about.  

Veronica Morgan, real estate agent, buyers agent and co-host of Foxtel’s Location Location Location Australia & Chris Bates, financial planner, mortgage broker and wealth coach have joined forces to find out what’s really going on in the world of real estate.

Veronica and Chris talk to property owners and buyers every day in their respective lines of business. They’ve observed a wide spectrum of confidence in people’s decision making ability when buying and selling property, often to the detriment of the individuals concerned. They are both fascinated by consumer behaviour and together they’re going to uncover who’s really making the decisions when you buy a property.

In each episode they get into the psyche of buyers, agents, auctioneers and other industry experts to learn the truth about how buyers are influenced and why they do the things they do. In every episode you’ll learn from the mistakes of a “property dumbo” as well as Chris & Veronica’s “elephant rider bootcamp” training session.

The plan? This property podcast has been created to help us all make better property decisions!

We talk about the things no one wants to talk about in the Property Market

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