Jonathan O'Brien's and YIMBY Melbourne

Challenges in Melbourne's Housing Policy

Success Stories and Comparisons with Sydney

Docklands: A Controversial Development

The Missing Middle and Medium Density Housing

Balancing Heritage and Development

Planning Regulation Challenges

Developer Strategies and Urban Planning

Heritage and Housing Density

Quality Concerns in New Developments

Zoning and Urban Planning Dynamics

Economic and Social Impacts of Rezoning

Balancing Development and Community Needs

State vs. Local Control in Urban Planning

Conclusion and Final Thoughts

NIMBY vs YIMBY? Is saying “no” to change protecting community character — or blocking the homes our cities desperately need?

In this episode, we sit down with Jonathan O’Brien, lead organizer of YIMBY Melbourne, to unpack what’s at stake when communities resist — or embrace — change.

We dig into whether opposing development is simply selfish or a legitimate defense of lifestyle and character, and whether YIMBY optimism sometimes overlooks practical realities. From heritage streetscapes and leafy suburbs to missing-middle density and downsizer demand, this is a frank look at the trade-offs that come with growth.

Jonathan also explores the politics of planning: why local councils resist, why states override, and why those locked out of housing are the most under-represented stakeholders in the debate. We tackle sensitive questions about fairness: who pays when new homes aren’t built, and who loses when change does come?

If you’ve ever wondered why housing reform feels so stuck, and why both sides of the NIMBY/YIMBY divide can be right and wrong at the same time, this episode will challenge assumptions and reframe the conversation.


Episode Highlights

00:00 – Welcome

01:14 – Jonathan O'Brien's and YIMBY Melbourne

01:48 – Progress and Challenges in Melbourne's Housing Policy

03:21 – Success Stories and Comparisons with Sydney

04:44 – Docklands: A Controversial Development

07:39 – The Missing Middle and Medium Density Housing

22:06 – Balancing Heritage and Development

28:39 – Planning Regulation Challenges

30:01 – Developer Strategies and Urban Planning

31:39 – Heritage and Housing Density

32:47 – Quality Concerns in New Developments

35:07 – Zoning and Urban Planning Dynamics

38:27 – Economic and Social Impacts of Rezoning

41:53 – Balancing Development and Community Needs

50:13 – State vs. Local Control in Urban Planning

52:05 – Conclusion and Final Thoughts


About the Guest

Jonathan O’Brien is the lead organizer of YIMBY Melbourne, an advocate for smarter housing policy, and an award-winning writer and publisher. A passionate voice for effective altruism and urban reform, he works to shift the conversation around density, planning, and affordability toward more equitable outcomes.

With a background in community organizing and a commitment to evidence-based change, Jonathan brings both sharp analysis and lived experience to the often polarizing debate between NIMBYs and YIMBYs. His mission: to help shape cities that are inclusive, adaptable, and built for the next generation.

Connect with Jonathan
Website: https://jonobri.com/
YIMBY Melbourne website: https://www.yimby.melbourne/
Instagram: https://www.instagram.com/jonobridotcom/
X: https://x.com/jonobri
LinkedIn: https://www.linkedin.com/in/jonobri/

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? alcove.com.au
Work with Chris: chrisbates@alcove.com.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

NIMBY vs YIMBY? Is saying &ldquo;no&rdquo; to change protecting community character &mdash; or blocking the homes our cities desperately need?
In this episode, we sit down with Jonathan O&rsquo;Brien, lead organizer of YIMBY Melbourne, to unpack what&rsquo;s at stake when communities resist &mdash; or embrace &mdash; change.
We dig into whether opposing development is simply selfish or a legitimate defense of lifestyle and character, and whether YIMBY optimism sometimes overlooks practical realities. From heritage streetscapes and leafy suburbs to missing-middle density and downsizer demand, this is a frank look at the trade-offs that come with growth.
Jonathan also explores the politics of planning: why local councils resist, why states override, and why those locked out of housing are the most under-represented stakeholders in the debate. We tackle sensitive questions about fairness: who pays when new homes aren&rsquo;t built, and who loses when change does come?
If you&rsquo;ve ever wondered why housing reform feels so stuck, and why both sides of the NIMBY/YIMBY divide can be right and wrong at the same time, this episode will challenge assumptions and reframe the conversation.
 Episode Highlights
00:00 &ndash; Welcome
01:14 &ndash; Jonathan O'Brien's and YIMBY Melbourne
01:48 &ndash; Progress and Challenges in Melbourne's Housing Policy
03:21 &ndash; Success Stories and Comparisons with Sydney
04:44 &ndash; Docklands: A Controversial Development
07:39 &ndash; The Missing Middle and Medium Density Housing
22:06 &ndash; Balancing Heritage and Development
28:39 &ndash; Planning Regulation Challenges
30:01 &ndash; Developer Strategies and Urban Planning
31:39 &ndash; Heritage and Housing Density
32:47 &ndash; Quality Concerns in New Developments
35:07 &ndash; Zoning and Urban Planning Dynamics
38:27 &ndash; Economic and Social Impacts of Rezoning
41:53 &ndash; Balancing Development and Community Needs
50:13 &ndash; State vs. Local Control in Urban Planning
52:05 &ndash; Conclusion and Final Thoughts
 About the Guest
Jonathan O&rsquo;Brien is the lead organizer of YIMBY Melbourne, an advocate for smarter housing policy, and an award-winning writer and publisher. A passionate voice for effective altruism and urban reform, he works to shift the conversation around density, planning, and affordability toward more equitable outcomes.
With a background in community organizing and a commitment to evidence-based change, Jonathan brings both sharp analysis and lived experience to the often polarizing debate between NIMBYs and YIMBYs. His mission: to help shape cities that are inclusive, adaptable, and built for the next generation.
Connect with Jonathan
<ul>
<li aria-level="1">Website: <a href="https://jonobri.com/">https://jonobri.com/</a></li>
<li aria-level="1">YIMBY Melbourne website: <a href="https://www.yimby.melbourne/">https://www.yimby.melbourne/</a></li>
<li aria-level="1">Instagram: <a href="https://www.instagram.com/jonobridotcom/">https://www.instagram.com/jonobridotcom/</a></li>
<li aria-level="1">X: <a href="https://x.com/jonobri">https://x.com/jonobri</a></li>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/jonobri/">https://www.linkedin.com/in/jonobri/</a></li>
</ul>
Resources
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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="http://alcove.com.au">alcove.com.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.com.au">chrisbates@alcove.com.au</a>&nbsp;</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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

NIMBY vs YIMBY: Can We Balance Progress and Preservation?

Meet Helen Tarrant: Commercial Property Expert

Differences Between Residential and Commercial

Understanding Commercial Property Fundamentals

Evaluating Commercial Property Investments

Common Mistakes and Misconceptions

Identifying the Right Commercial Property

Navigating the Commercial Property Market

Price Points and Investment Strategies

Understanding Syndication in Real Estate

Securing High-Value Properties

Mechanics of Shareholding in Syndicates

Mistakes in Commercial Property Investment

Strategies for Flipping Commercial Properties

Identifying and Fixing Problematic Properties

The Importance of Due Diligence

Case Study: Rescuing a Client's Investment

Final Thoughts and Advice

Commercial property isn’t just “resi with higher yields” — it’s a whole different game with its own language, rules, and risks.

In this episode, we sit down with Helen Tarrant, founder of Unikorn Commercial Property, to unpack what investors really need to know before making the leap.

Helen reveals why mindset is the first hurdle when moving from residential to commercial, and why too many investors skip the education that could save them from costly mistakes. We explore the key levers that drive a property’s value — lease term, location, tenant quality, and asset type — and why small changes in these can mean big shifts in price and yield. She also shares hard truths on price points, explaining where the “rats and mice” risks live, and why under $1.5 million can be a danger zone for serious investors.

From syndicates that give smaller investors access to multimillion-dollar assets, to practical strategies for tenant risk management and value uplift, Helen covers the nuts and bolts of building what she calls a “unicorn portfolio” — one that balances cashflow, growth, and uplift potential. She doesn’t shy away from the mistakes she’s seen (and fixed), giving listeners a forthright look at what can go wrong and how to protect yourself.

Whether you’re an experienced property buyer ready to diversify, or a first-time commercial investor keen to start smart, this conversation will equip you with the insights, questions, and strategies to play the commercial game — and win.


Episode Highlights

00:00 – Welcome

01:07 – Meet Helen Tarrant: Commercial Property Expert

01:44 – Differences Between Residential and Commercial Investing

02:21 – Understanding Commercial Property Fundamentals

04:50 – Evaluating Commercial Property Investments

08:23 – Common Mistakes and Misconceptions

12:30 – Identifying the Right Commercial Property

16:47 – Navigating the Commercial Property Market

25:09 – Price Points and Investment Strategies

28:36 – Understanding Syndication in Real Estate

29:16 – Securing High-Value Properties

30:10 – Mechanics of Shareholding in Syndicates

31:42 – Common Mistakes in Commercial Property Investment

34:22 – Strategies for Flipping Commercial Properties

38:00 – Identifying and Fixing Problematic Properties

41:24 – The Importance of Due Diligence

45:32 – Case Study: Rescuing a Client's Investment

50:51 – Final Thoughts and Advice

 

About the Guest

Helen Tarrant is the Founder of Unikorn Commercial Property, a specialist buyer’s agency helping everyday Australians access and succeed in the commercial property market. With a background in commerce and law, and over a decade of firsthand experience as both an investor and advisor, Helen has built a reputation for turning complex deals into strategic, high-performing investments.

Known for her candid, straight-talking approach, she has educated thousands through free webinars, content, and in-person events, demystifying an asset class often seen as too risky or opaque. Her expertise spans portfolio strategy, tenant risk assessment, syndicate structures, and value-add opportunities, with a focus on creating balanced portfolios that deliver both income and growth. Passionate about investor education, Helen is committed to helping clients avoid the costly mistakes she’s seen too often in the industry, and to empowering them to think — and act — like seasoned commercial players.


Connect with Helen
Website: https://unikorn.com.au/
Website: https://helentarrant.com/
LinkedIn: https://www.linkedin.com/in/helentarrant/
YouTube: https://www.youtube.com/@helentarrantcommercial
Facebook: https://www.facebook.com/helentarrantcommercialproperty/

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? alcove.com.au
Work with Chris: chrisbates@alcove.com.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

See you on the inside,

Veronica & Chris

 

Commercial property isn&rsquo;t just &ldquo;resi with higher yields&rdquo; &mdash; it&rsquo;s a whole different game with its own language, rules, and risks.
In this episode, we sit down with Helen Tarrant, founder of Unikorn Commercial Property, to unpack what investors really need to know before making the leap.
Helen reveals why mindset is the first hurdle when moving from residential to commercial, and why too many investors skip the education that could save them from costly mistakes. We explore the key levers that drive a property&rsquo;s value &mdash; lease term, location, tenant quality, and asset type &mdash; and why small changes in these can mean big shifts in price and yield. She also shares hard truths on price points, explaining where the &ldquo;rats and mice&rdquo; risks live, and why under $1.5 million can be a danger zone for serious investors.
From syndicates that give smaller investors access to multimillion-dollar assets, to practical strategies for tenant risk management and value uplift, Helen covers the nuts and bolts of building what she calls a &ldquo;unicorn portfolio&rdquo; &mdash; one that balances cashflow, growth, and uplift potential. She doesn&rsquo;t shy away from the mistakes she&rsquo;s seen (and fixed), giving listeners a forthright look at what can go wrong and how to protect yourself.
Whether you&rsquo;re an experienced property buyer ready to diversify, or a first-time commercial investor keen to start smart, this conversation will equip you with the insights, questions, and strategies to play the commercial game &mdash; and win.
 Episode Highlights
00:00 &ndash; Welcome
01:07 &ndash; Meet Helen Tarrant: Commercial Property Expert
01:44 &ndash; Differences Between Residential and Commercial Investing
02:21 &ndash; Understanding Commercial Property Fundamentals
04:50 &ndash; Evaluating Commercial Property Investments
08:23 &ndash; Common Mistakes and Misconceptions
12:30 &ndash; Identifying the Right Commercial Property
16:47 &ndash; Navigating the Commercial Property Market
25:09 &ndash; Price Points and Investment Strategies
28:36 &ndash; Understanding Syndication in Real Estate
29:16 &ndash; Securing High-Value Properties
30:10 &ndash; Mechanics of Shareholding in Syndicates
31:42 &ndash; Common Mistakes in Commercial Property Investment
34:22 &ndash; Strategies for Flipping Commercial Properties
38:00 &ndash; Identifying and Fixing Problematic Properties
41:24 &ndash; The Importance of Due Diligence
45:32 &ndash; Case Study: Rescuing a Client's Investment
50:51 &ndash; Final Thoughts and Advice
&nbsp;
About the Guest
Helen Tarrant is the Founder of Unikorn Commercial Property, a specialist buyer&rsquo;s agency helping everyday Australians access and succeed in the commercial property market. With a background in commerce and law, and over a decade of firsthand experience as both an investor and advisor, Helen has built a reputation for turning complex deals into strategic, high-performing investments.
Known for her candid, straight-talking approach, she has educated thousands through free webinars, content, and in-person events, demystifying an asset class often seen as too risky or opaque. Her expertise spans portfolio strategy, tenant risk assessment, syndicate structures, and value-add opportunities, with a focus on creating balanced portfolios that deliver both income and growth. Passionate about investor education, Helen is committed to helping clients avoid the costly mistakes she&rsquo;s seen too often in the industry, and to empowering them to think &mdash; and act &mdash; like seasoned commercial players.
 Connect with Helen
<ul>
<li aria-level="1">Website: <a href="https://unikorn.com.au/">https://unikorn.com.au/</a></li>
<li aria-level="1">Website: <a href="https://helentarrant.com/">https://helentarrant.com/</a></li>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/helentarrant/">https://www.linkedin.com/in/helentarrant/</a></li>
<li aria-level="1">YouTube: <a href="https://www.youtube.com/@helentarrantcommercial">https://www.youtube.com/@helentarrantcommercial</a></li>
<li aria-level="1">Facebook: <a href="https://www.facebook.com/helentarrantcommercialproperty/">https://www.facebook.com/helentarrantcommercialproperty/</a></li>
</ul>
Resources
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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="http://alcove.com.au">alcove.com.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.com.au">chrisbates@alcove.com.au</a>&nbsp;</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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
See you on the inside,
Veronica &amp; Chris
&nbsp;

Commercial Property 101: The Rules, Risks & Rewards

The Strata Sector's Challenges

Governance and Regulation Issues

The Round Table Initiative

Sustainability in Strata

The Six Pillars of Reform

Understanding Strata Obligations

Importance of Maintenance and Governance Data

Investing in the Strata Sector

Personal Mission to Improve Property Decisions

Challenges in Strata Education and Awareness

Public Awareness and Training Initiatives

Strata Management and Building Maintenance

The Future of Strata Development

Sector Collaboration and Task Force

Final Thoughts and Call to Action

Australia’s strata sector is under pressure — and it's no longer a niche issue.

Following high-profile investigations by Four Corners and 7.30 Report, strata governance failures, building defects, and financial blowouts are now front and centre. With more Australians living in apartments and townhouses than ever before, what happens next in this space will impact millions.

In this episode, Kate McHugh, co-founder of the Strata Futures Stakeholder Engagement and Roundtable, joins us to unpack what’s driving the crisis—and what needs to change. Drawing from her work on the Strata Futures Report, Kate outlines the six key reform pillars that emerged from cross-sector collaboration, covering everything from governance and professional standards to owner advocacy and sustainability.

We explore how opaque commissions, underfunded capital works, power imbalances, and a fragmented regulatory system are eroding trust in strata—and why many apartment owners are left feeling blindsided by defects and skyrocketing levies. Kate also shares what it would take for the sector to turn itself around—before government intervention does it for them.

Whether you're a strata owner, buyer, investor, or professional, this episode offers critical insight into the future of high-density living in Australia.

 

Episode Highlights

00:00 – Welcome

02:09 – The Strata Sector's Challenges

04:14 – Governance and Regulation Issues

05:08 – The Round Table Initiative

11:54 – Sustainability in Strata

17:13 – The Six Pillars of Reform

26:07 – Understanding Strata Obligations

27:19 – The Importance of Maintenance and Governance Data

28:30 – Investing in the Strata Sector

29:08 – Personal Mission to Improve Property Decisions

30:18 – Challenges in Strata Education and Awareness

31:29 – Public Awareness and Training Initiatives

33:32 – Strata Management and Building Maintenance

37:00 – The Future of Strata Development

40:30 – Sector Collaboration and Task Force

44:14 – Final Thoughts and Call to Action


Mentions
Strata Futures - https://www.katemchugh.net/strata-futures


About the Guest

Kate McHugh is the co-founder of the Strata Futures Stakeholder Engagement and Roundtable and co-author of the Strata Futures Report. With a background in governance, policy, sustainability, and stakeholder engagement, Kate works at the intersection of lived experience and systemic reform in Australia’s strata sector.

Partnering with former NSW Strata Commissioner John Minns and a wide network of industry and consumer leaders, Kate helped convene a cross-sector discussion to explore what’s broken—and what could be rebuilt. The outcome: a collaborative report outlining six key reform areas designed to make strata more equitable, transparent, and functional. Her work is helping push the conversation forward at a time when strata’s role in housing affordability, sustainability, and urban planning has never been more critical.


Connect with Kate
Website: https://www.katemchugh.net/
LinkedIn: https://www.linkedin.com/in/katemchughh/

 

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? alcove.com.au
Work with Chris: chrisbates@alcove.com.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

See you on the inside,

Veronica & Chris

Australia&rsquo;s strata sector is under pressure &mdash; and it's no longer a niche issue.
Following high-profile investigations by Four Corners and 7.30 Report, strata governance failures, building defects, and financial blowouts are now front and centre. With more Australians living in apartments and townhouses than ever before, what happens next in this space will impact millions.
In this episode, Kate McHugh, co-founder of the Strata Futures Stakeholder Engagement and Roundtable, joins us to unpack what&rsquo;s driving the crisis&mdash;and what needs to change. Drawing from her work on the Strata Futures Report, Kate outlines the six key reform pillars that emerged from cross-sector collaboration, covering everything from governance and professional standards to owner advocacy and sustainability.
We explore how opaque commissions, underfunded capital works, power imbalances, and a fragmented regulatory system are eroding trust in strata&mdash;and why many apartment owners are left feeling blindsided by defects and skyrocketing levies. Kate also shares what it would take for the sector to turn itself around&mdash;before government intervention does it for them.
Whether you're a strata owner, buyer, investor, or professional, this episode offers critical insight into the future of high-density living in Australia.
&nbsp;
Episode Highlights
00:00 &ndash; Welcome
02:09 &ndash; The Strata Sector's Challenges
04:14 &ndash; Governance and Regulation Issues
05:08 &ndash; The Round Table Initiative
11:54 &ndash; Sustainability in Strata
17:13 &ndash; The Six Pillars of Reform
26:07 &ndash; Understanding Strata Obligations
27:19 &ndash; The Importance of Maintenance and Governance Data
28:30 &ndash; Investing in the Strata Sector
29:08 &ndash; Personal Mission to Improve Property Decisions
30:18 &ndash; Challenges in Strata Education and Awareness
31:29 &ndash; Public Awareness and Training Initiatives
33:32 &ndash; Strata Management and Building Maintenance
37:00 &ndash; The Future of Strata Development
40:30 &ndash; Sector Collaboration and Task Force
44:14 &ndash; Final Thoughts and Call to Action
 Mentions
<ul>
<li aria-level="1">Strata Futures - https://www.katemchugh.net/strata-futures</li>
</ul>
 About the Guest
Kate McHugh is the co-founder of the Strata Futures Stakeholder Engagement and Roundtable and co-author of the Strata Futures Report. With a background in governance, policy, sustainability, and stakeholder engagement, Kate works at the intersection of lived experience and systemic reform in Australia&rsquo;s strata sector.
Partnering with former NSW Strata Commissioner John Minns and a wide network of industry and consumer leaders, Kate helped convene a cross-sector discussion to explore what&rsquo;s broken&mdash;and what could be rebuilt. The outcome: a collaborative report outlining six key reform areas designed to make strata more equitable, transparent, and functional. Her work is helping push the conversation forward at a time when strata&rsquo;s role in housing affordability, sustainability, and urban planning has never been more critical.
 Connect with Kate
<ul>
<li aria-level="1">Website: https://www.katemchugh.net/</li>
<li aria-level="1">LinkedIn: https://www.linkedin.com/in/katemchughh/</li>
</ul>
&nbsp;
Resources
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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="http://alcove.com.au">alcove.com.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.com.au">chrisbates@alcove.com.au</a>&nbsp;</li>
</ul>
&nbsp;
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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
See you on the inside,
Veronica &amp; Chris

Strata at a Crossroads: Why the System Needs Urgent Change

The Origin of HtAG Analytics

Key Questions for Property Investm

Understanding Risk in Property Investment

The Role of Data in Property Markets

Challenges of Data Interpretation

The Impact of Data Accessibility

Strategies for Property Investment

Navigating Tricky Real Estate Decisions

Understanding Property Scarcity & Sales Volume

The Role of Data Accuracy in Real Estates

Tech and Human Expertise in Real Estate

Challenges with Real Estate Transparency

Importance of Personal Touch in Real Estate

Buy and Hold vs Transacting Property

Key Metrics for Long-Term Property Investment

Affordability and Shifting Demographics

Compounding Good Decision Making

Common Myths in Real Estate

With property data becoming increasingly available, investors face a growing challenge: accurately interpreting the numbers. In this episode, Veronica and Chris speak with Matija Djolic, co-founder of HtAG Analytics, to discuss how investors can effectively use property data and avoid common mistakes.

Matija outlines four essential questions investors need to address before making decisions, emphasizing the importance of clearly understanding risk profiles, investment timeframes, and personal objectives. He highlights frequent pitfalls, including chasing short-term gains, misunderstanding suburb-level data, and misinterpreting market "hotspots."

This conversation equips investors with practical insights on responsible data use, clarifying when data can help… and when it might mislead. Whether you're an experienced investor or a first-time buyer, you'll gain valuable strategies for making smarter property decisions in today's data-rich environment.


Episode Highlights

00:00 – Welcome

01:42 – The Origin of HtAG Analytics

03:35 – Key Questions for Property Investment

04:56 – Understanding Risk in Property Investment

12:35 – The Role of Data in Property Markets

15:30 – Challenges of Data Interpretation

17:57 – The Impact of Data Accessibility

24:37 – Strategies for Property Investment

34:11 – Navigating Tricky Real Estate Decisions

34:28 – Connecting with Veronica Morgan's Resources

35:12 – Understanding Property Scarcity and Sales Volume

36:01 – The Role of Data Accuracy in Real Estate

38:04 – Tech and Human Expertise in Real Estate

40:21 – Challenges with Real Estate Transparency

41:55 – The Importance of Personal Touch in Real Estate

43:10 – Buy and Hold vs Transacting Property

44:53 – Key Metrics for Long-Term Property Investment

46:11 – Affordability and Shifting Demographics

51:42 – Compounding Good Decision Making

55:32 – Common Myths in Real Estate

58:04 – Property Dumbo: A Cautionary Tale


About the Guest

Matija Djolic is the co-founder of HtAG Analytics and a leading data analytics coach specializing in the property investment sector. With a PhD in Organizational Psychology, Matija brings over seven years of experience guiding thousands of investors and buyer's agents through the complex maze of market analytics.

Known for his expertise in both qualitative and quantitative pattern recognition, Matija empowers investors to make smarter, data-driven decisions that align with their long-term goals and risk profiles. His practical, no-nonsense approach challenges traditional investment assumptions, encouraging a more nuanced and informed understanding of property analytics.


Connect with Matija
Website: https://www.htag.com.au/
LinkedIn: https://www.linkedin.com/in/dr-matija-djolic-386475152/
Instagram: https://www.instagram.com/matijadjolic/
Facebook: https://www.facebook.com/matija.djolic.14/


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.alcove.au
Work with Chris: chrisbates@alcove.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

With property data becoming increasingly available, investors face a growing challenge: accurately interpreting the numbers. In this episode, Veronica and Chris speak with Matija Djolic, co-founder of HtAG Analytics, to discuss how investors can effectively use property data and avoid common mistakes.
Matija outlines four essential questions investors need to address before making decisions, emphasizing the importance of clearly understanding risk profiles, investment timeframes, and personal objectives. He highlights frequent pitfalls, including chasing short-term gains, misunderstanding suburb-level data, and misinterpreting market "hotspots."
This conversation equips investors with practical insights on responsible data use, clarifying when data can help&hellip; and when it might mislead. Whether you're an experienced investor or a first-time buyer, you'll gain valuable strategies for making smarter property decisions in today's data-rich environment.
 Episode Highlights
00:00 &ndash; Welcome
01:42 &ndash; The Origin of HtAG Analytics
03:35 &ndash; Key Questions for Property Investment
04:56 &ndash; Understanding Risk in Property Investment
12:35 &ndash; The Role of Data in Property Markets
15:30 &ndash; Challenges of Data Interpretation
17:57 &ndash; The Impact of Data Accessibility
24:37 &ndash; Strategies for Property Investment
34:11 &ndash; Navigating Tricky Real Estate Decisions
34:28 &ndash; Connecting with Veronica Morgan's Resources
35:12 &ndash; Understanding Property Scarcity and Sales Volume
36:01 &ndash; The Role of Data Accuracy in Real Estate
38:04 &ndash; Tech and Human Expertise in Real Estate
40:21 &ndash; Challenges with Real Estate Transparency
41:55 &ndash; The Importance of Personal Touch in Real Estate
43:10 &ndash; Buy and Hold vs Transacting Property
44:53 &ndash; Key Metrics for Long-Term Property Investment
46:11 &ndash; Affordability and Shifting Demographics
51:42 &ndash; Compounding Good Decision Making
55:32 &ndash; Common Myths in Real Estate
58:04 &ndash; Property Dumbo: A Cautionary Tale
 About the Guest
Matija Djolic is the co-founder of HtAG Analytics and a leading data analytics coach specializing in the property investment sector. With a PhD in Organizational Psychology, Matija brings over seven years of experience guiding thousands of investors and buyer's agents through the complex maze of market analytics.
Known for his expertise in both qualitative and quantitative pattern recognition, Matija empowers investors to make smarter, data-driven decisions that align with their long-term goals and risk profiles. His practical, no-nonsense approach challenges traditional investment assumptions, encouraging a more nuanced and informed understanding of property analytics.
 Connect with Matija
<ul>
<li aria-level="1">Website: <a href="https://www.htag.com.au/">https://www.htag.com.au/</a></li>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/dr-matija-djolic-386475152/">https://www.linkedin.com/in/dr-matija-djolic-386475152/</a></li>
<li aria-level="1">Instagram: <a href="https://www.instagram.com/matijadjolic/">https://www.instagram.com/matijadjolic/</a></li>
<li aria-level="1">Facebook: <a href="https://www.facebook.com/matija.djolic.14/">https://www.facebook.com/matija.djolic.14/</a></li>
</ul>
 Resources
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

What Data-Driven Investors Get Wrong (And Right)

Why Buyers Lose to Selling Agents

Sourcing vs. Negotiating in Buying

Emotional Buying Hurts Your Leverage

What to Say (and Not) to Agents

Auction Theatre: FOMO in Action

The Future of Property Negotiation*

Today, we sit down with Scott Aggett, founder of Hello Haus, a negotiation service shaking up Australia’s property buying landscape. Scott pulls back the curtain on the high-stakes game of real estate negotiation and reveals why most buyers are unknowingly walking into traps laid by experienced selling agents. If you’ve ever felt outmatched or overwhelmed in the home-buying process, this conversation will open your eyes to what’s going on behind the scenes.

Listeners will gain deep insights into the psychological tactics agents use to push buyers into emotional decisions, often costing them tens of thousands more than necessary. Scott explains why traditional buyer’s agents may not be equipped to negotiate effectively, and how negotiation as a service provides a smarter, leaner alternative for buyers who want to retain control without losing leverage. He shares examples of real-world mistakes and outlines how simple behavioural cues—like revisiting a property too many times or discussing price too early—can weaken your position.

Whether you're a first-home buyer or a seasoned investor, this episode is packed with actionable tips to help you think more strategically and negotiate with confidence. We also explore how market dynamics are changing, what smart buyers are doing differently in 2025, and why negotiation is no longer a luxury—it’s a necessity. If you're serious about buying better, this is one you don't want to miss.


Episode Highlights

00:00 – Welcome

03:10 – Why Most Buyers Are Outmatched by Selling Agents

05:47 – The Buyer’s Agent Problem: Sourcing ≠ Negotiating 

18:10 – Emotional Buying: How It Undermines Your Leverage

25:32 – What to Say (and Not Say) When Dealing with Agents

37:42 – Auction Theatre: How FOMO is Engineered 

42:10 – Negotiation as a Service: A Smarter Model for Modern Buyers

50:50 – The Future of Property Negotiation in Australia


About the Guest

Scott Aggett is one of Australia’s leading property negotiation experts, with over 30 years of experience and more than 4,000 successful real estate deals across Australia, the UK, and Asia. 

Beginning his career as a sales agent before launching multiple Belle Property franchises in Sydney’s Eastern Suburbs, Scott is renowned for his innovative "Negotiation as a Service" approach, which he pioneered through his company, Hello Haus. His negotiation-focused model has empowered countless Australian buyers to secure top-performing investments and dream homes with less stress and below-market prices.

After Hello Haus was acquired by major industry players in 2024, Scott continues to advocate for transparent, client-focused property negotiations, regularly sharing market insights across major media and industry platforms.


Connect with Scott
Website: https://www.scottaggett.com/
LinkedIn: https://www.linkedin.com/in/scottaggett
Instagram: https://www.instagram.com/scottaggett
Facebook: https://www.facebook.com/scott.aggett/


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.alcove.au
Work with Chris: chrisbates@alcove.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

See you on the inside,

Veronica & Chris

Today, we sit down with Scott Aggett, founder of Hello Haus, a negotiation service shaking up Australia&rsquo;s property buying landscape. Scott pulls back the curtain on the high-stakes game of real estate negotiation and reveals why most buyers are unknowingly walking into traps laid by experienced selling agents. If you&rsquo;ve ever felt outmatched or overwhelmed in the home-buying process, this conversation will open your eyes to what&rsquo;s going on behind the scenes.
Listeners will gain deep insights into the psychological tactics agents use to push buyers into emotional decisions, often costing them tens of thousands more than necessary. Scott explains why traditional buyer&rsquo;s agents may not be equipped to negotiate effectively, and how negotiation as a service provides a smarter, leaner alternative for buyers who want to retain control without losing leverage. He shares examples of real-world mistakes and outlines how simple behavioural cues&mdash;like revisiting a property too many times or discussing price too early&mdash;can weaken your position.
Whether you're a first-home buyer or a seasoned investor, this episode is packed with actionable tips to help you think more strategically and negotiate with confidence. We also explore how market dynamics are changing, what smart buyers are doing differently in 2025, and why negotiation is no longer a luxury&mdash;it&rsquo;s a necessity. If you're serious about buying better, this is one you don't want to miss.
 Episode Highlights
00:00 &ndash; Welcome
03:10 &ndash; Why Most Buyers Are Outmatched by Selling Agents
05:47 &ndash; The Buyer&rsquo;s Agent Problem: Sourcing &ne; Negotiating&nbsp;
18:10 &ndash; Emotional Buying: How It Undermines Your Leverage
25:32 &ndash; What to Say (and Not Say) When Dealing with Agents
37:42 &ndash; Auction Theatre: How FOMO is Engineered&nbsp;
42:10 &ndash; Negotiation as a Service: A Smarter Model for Modern Buyers
50:50 &ndash; The Future of Property Negotiation in Australia
 About the Guest
Scott Aggett is one of Australia&rsquo;s leading property negotiation experts, with over 30 years of experience and more than 4,000 successful real estate deals across Australia, the UK, and Asia.&nbsp;
Beginning his career as a sales agent before launching multiple Belle Property franchises in Sydney&rsquo;s Eastern Suburbs, Scott is renowned for his innovative "Negotiation as a Service" approach, which he pioneered through his company, Hello Haus. His negotiation-focused model has empowered countless Australian buyers to secure top-performing investments and dream homes with less stress and below-market prices.
After Hello Haus was acquired by major industry players in 2024, Scott continues to advocate for transparent, client-focused property negotiations, regularly sharing market insights across major media and industry platforms.
 Connect with Scott
<ul>
<li aria-level="1">Website: <a href="https://www.scottaggett.com/">https://www.scottaggett.com/</a></li>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/scottaggett">https://www.linkedin.com/in/scottaggett</a></li>
<li aria-level="1">Instagram: <a href="https://www.instagram.com/scottaggett">https://www.instagram.com/scottaggett</a></li>
<li aria-level="1">Facebook: <a href="https://www.facebook.com/scott.aggett/">https://www.facebook.com/scott.aggett/</a></li>
</ul>
 Resources
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<li aria-level="1">If you have any questions or would like to be featured on our show, contact us at:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
See you on the inside,
Veronica &amp; Chris

The Truth About Property Negotiation: Why Most Buyers Get It Wrong

Why Your Super Isn't a Set-and-Forget Strategy

Property or Super: Better Long-Term Play?

High Earners: Get Up to 50% Back via Super

Ditch the 'Property Person' Mindset

Catch-Up Contributions, Explained

$300K to $2M: Early Planning Pays Off

The Emotional Side of Money Planning

If you’re navigating retirement planning in Australia, this episode is a must-listen.

Financial adviser James Wrigley joins The Elephant in the Room to unpack the strategies that high-income earners, Gen X professionals, and aspiring retirees can use to build a more secure financial future, without falling into the usual traps.

From maximising tax returns through superannuation to understanding why property may not be the most reliable retirement asset, James breaks down complex concepts into actionable steps. You’ll learn how super could grow from $300K to $2M, when and how to use catch-up contributions, and why liquidity and access might be more important than you think.

This episode challenges the idea that you need to be “a property person” or “a shares person” and instead offers a mindset shift: invest based on outcomes, not identity. Whether you’re in your 40s and just starting to take your future seriously, or you’re closing in on retirement, this conversation will change the way you think about your money.


Episode Highlights

00:00 – Welcome

04:00 – Why Your Super Isn't a Set-and-Forget Strategy

08:30 – Property vs Super: Which Is the Better Long-Term Play?

20:50 – How High-Income Earners Can Get Up to 50% Back Through Super

33:40 – Ditch the “Property Person” Mentality

41:15 – Catch-Up Contributions Explained

47:25 – $300K to $2M: The Power of Early Planning

52:00 – The Emotional Side of Financial Planning

 

About the Guest

James Wrigley is a Principal and Certified Financial Planner at First Financial, a leading Melbourne-based firm specializing in financial planning and superannuation management. With nearly two decades of industry experience, James has progressed from administrative roles to the highest levels of advisory leadership, serving clients ranging from young professionals building their wealth to retirees planning for aged care.

Known for his dynamic approach and strong online presence, he is committed to understanding each client's motivations and delivering tailored strategies for lasting financial well-being.

James is particularly recognized for fostering client relationships built on trust and clear communication, and he frequently shares his expertise through podcasts, social media channels, and public presentations to empower Australians with practical financial insights


Connect with James
Youtube: https://www.youtube.com/channel/UC6gLgLcVe_m8-Q9UWKvMObQ
Instagram: https://www.instagram.com/iamjameswrigley/?hl=en
LinkedIn: https://www.linkedin.com/in/james-wrigley
Spotify: https://open.spotify.com/show/1IQReBXcUdYnBeaXuFpHc1


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.alcove.au
Work with Chris: chrisbates@alcove.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

 

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

If you&rsquo;re navigating retirement planning in Australia, this episode is a must-listen.
Financial adviser James Wrigley joins The Elephant in the Room to unpack the strategies that high-income earners, Gen X professionals, and aspiring retirees can use to build a more secure financial future, without falling into the usual traps.
From maximising tax returns through superannuation to understanding why property may not be the most reliable retirement asset, James breaks down complex concepts into actionable steps. You&rsquo;ll learn how super could grow from $300K to $2M, when and how to use catch-up contributions, and why liquidity and access might be more important than you think.
This episode challenges the idea that you need to be &ldquo;a property person&rdquo; or &ldquo;a shares person&rdquo; and instead offers a mindset shift: invest based on outcomes, not identity. Whether you&rsquo;re in your 40s and just starting to take your future seriously, or you&rsquo;re closing in on retirement, this conversation will change the way you think about your money.
 Episode Highlights
00:00 &ndash; Welcome
04:00 &ndash; Why Your Super Isn't a Set-and-Forget Strategy
08:30 &ndash; Property vs Super: Which Is the Better Long-Term Play?
20:50 &ndash; How High-Income Earners Can Get Up to 50% Back Through Super
33:40 &ndash; Ditch the &ldquo;Property Person&rdquo; Mentality
41:15 &ndash; Catch-Up Contributions Explained
47:25 &ndash; $300K to $2M: The Power of Early Planning
52:00 &ndash; The Emotional Side of Financial Planning
&nbsp;
About the Guest
James Wrigley is a Principal and Certified Financial Planner at First Financial, a leading Melbourne-based firm specializing in financial planning and superannuation management. With nearly two decades of industry experience, James has progressed from administrative roles to the highest levels of advisory leadership, serving clients ranging from young professionals building their wealth to retirees planning for aged care.
Known for his dynamic approach and strong online presence, he is committed to understanding each client's motivations and delivering tailored strategies for lasting financial well-being.
James is particularly recognized for fostering client relationships built on trust and clear communication, and he frequently shares his expertise through podcasts, social media channels, and public presentations to empower Australians with practical financial insights
 Connect with James
<ul>
<li aria-level="1">Youtube: <a href="https://www.youtube.com/channel/UC6gLgLcVe_m8-Q9UWKvMObQ">https://www.youtube.com/channel/UC6gLgLcVe_m8-Q9UWKvMObQ</a></li>
<li aria-level="1">Instagram: <a href="https://www.instagram.com/iamjameswrigley/?hl=en">https://www.instagram.com/iamjameswrigley/?hl=en</a></li>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/james-wrigley">https://www.linkedin.com/in/james-wrigley</a></li>
<li aria-level="1">Spotify: <a href="https://open.spotify.com/show/1IQReBXcUdYnBeaXuFpHc1">https://open.spotify.com/show/1IQReBXcUdYnBeaXuFpHc1</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:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.au</a></li>
</ul>
&nbsp;
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>
&nbsp;
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

Super vs property — which builds long-term wealth? James Wrigley joins us to unpack real returns, tax perks, and the mindset shift Gen X needs for retirement.

Own Your Home, Max Your Super: A Real Talk Guide to Financial Freedom

When it comes to property ownership in Australia, few topics are as misunderstood—and as crucial—as insurance. In this episode, Veronica sits down with Kimberley Jonsson, CEO of CHU Insurance, to unpack the growing risks in strata and property insurance and why many owners might be underprepared. From the rising cost of premiums to the unseen dangers lurking in older buildings, Kimberley brings expert insight into the systemic issues shaping Australia’s housing market—and what that means for you.

We dive into how the Insurance Affordability Index reveals a stark difference between houses and strata properties, why mandatory strata insurance may be more affordable than you think, and the real consequences of underinsurance. Kimberley also shares powerful case studies—including a Bondi building on the brink of collapse—that challenge conventional thinking about risk, responsibility, and return on investment in the property space.

Whether you're an investor, owner-occupier, strata manager, or buyer's agent, this episode will shift how you think about property protection and help you make smarter, faster decisions. Because when it comes to insurance, delaying action costs more than just money.

Enjoyed this episode? Be sure to subscribe, share with your property network, and leave us a review on your podcast app. Got a question or topic suggestion? Reach out—we’d love to hear from you!

 

 

 

Episode Highlights:
Welcome [00:00]
The Underinsurance Crisis [03:48]
Strata Insurance Is More Affordable Than You Think [11:30]
The Challenges with Insurance Valuations [18:45]
What It Takes to Be ‘Uninsurable’ [29:40]
Don’t Delay Repairs: The $1M Roof Story [37:54]
The Bondi Building That Nearly Collapsed [51:07]
Final Advice for Buyers and Investors [59:40]





 

About our Guest:

Kimberley Jonsson is the CEO of CHU Underwriting Agencies, Australia’s largest and longest-standing strata insurance underwriting agency. With over two decades of experience in strata and insurance, she is a leading advocate for transforming the perception of strata living from a fallback option to the "new Australian dream" by fostering vibrant, informed, and resilient strata communities. Under her leadership, CHU focuses on innovation, education, and sustainability to enhance risk management and build resilience for more than 4.2 million Australians living in strata. Recognized globally for her influence and innovation in insurance, Kimberley also serves as a Director of ANZIIF and has been featured on the Insurance Business Global 100 List

 

 

Connect with Kimberly:
Linkedin: https://www.linkedin.com/in/kimberley-jonsson-92300342/

 

 

 

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.alcove.au
Work with Chris: chrisbates@alcove.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

 

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

When it comes to property ownership in Australia, few topics are as misunderstood&mdash;and as crucial&mdash;as insurance. In this episode, Veronica sits down with Kimberley Jonsson, CEO of CHU Insurance, to unpack the growing risks in strata and property insurance and why many owners might be underprepared. From the rising cost of premiums to the unseen dangers lurking in older buildings, Kimberley brings expert insight into the systemic issues shaping Australia&rsquo;s housing market&mdash;and what that means for you.
We dive into how the Insurance Affordability Index reveals a stark difference between houses and strata properties, why mandatory strata insurance may be more affordable than you think, and the real consequences of underinsurance. Kimberley also shares powerful case studies&mdash;including a Bondi building on the brink of collapse&mdash;that challenge conventional thinking about risk, responsibility, and return on investment in the property space.
Whether you're an investor, owner-occupier, strata manager, or buyer's agent, this episode will shift how you think about property protection and help you make smarter, faster decisions. Because when it comes to insurance, delaying action costs more than just money.
Enjoyed this episode? Be sure to subscribe, share with your property network, and leave us a review on your podcast app. Got a question or topic suggestion? Reach out&mdash;we&rsquo;d love to hear from you!
&nbsp;
&nbsp;
&nbsp;
Episode Highlights:
<ul>
<li>Welcome [00:00]</li>
<li aria-level="1">The Underinsurance Crisis [03:48]</li>
<li aria-level="1">Strata Insurance Is More Affordable Than You Think [11:30]</li>
<li aria-level="1">The Challenges with Insurance Valuations [18:45]</li>
<li aria-level="1">What It Takes to Be &lsquo;Uninsurable&rsquo; [29:40]</li>
<li aria-level="1">Don&rsquo;t Delay Repairs: The $1M Roof Story [37:54]</li>
<li aria-level="1">The Bondi Building That Nearly Collapsed [51:07]</li>
<li aria-level="1">Final Advice for Buyers and Investors [59:40]</li>
</ul>
 
&nbsp;
About our Guest:
Kimberley Jonsson is the CEO of CHU Underwriting Agencies, Australia&rsquo;s largest and longest-standing strata insurance underwriting agency. With over two decades of experience in strata and insurance, she is a leading advocate for transforming the perception of strata living from a fallback option to the "new Australian dream" by fostering vibrant, informed, and resilient strata communities. Under her leadership, CHU focuses on innovation, education, and sustainability to enhance risk management and build resilience for more than 4.2 million Australians living in strata. Recognized globally for her influence and innovation in insurance, Kimberley also serves as a Director of ANZIIF and has been featured on the Insurance Business Global 100 List
&nbsp;
&nbsp;
Connect with Kimberly:
<ul>
<li>Linkedin: <a href="https://www.linkedin.com/in/kimberley-jonsson-92300342/">https://www.linkedin.com/in/kimberley-jonsson-92300342/</a></li>
</ul>
&nbsp;
&nbsp;
&nbsp;
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:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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!
&nbsp;
<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>
&nbsp;
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

Uninsurable? The Hidden Risks in Strata and Property Insurance

What happens when a city goes from being “uninvestable” to a national hotspot almost overnight?

In this episode, Perth-based buyer’s agent Matthew Hughes joins Veronica to unpack what’s driving the WA property surge—and what investors are getting wrong. With boots-on-the-ground insight, he shares why affordability alone is a flawed strategy, how investor FOMO is distorting the market, and why timing and fundamentals still matter.

While many are chasing quick wins, Matthew and Veronica challenge the hype. They dig into the risks of borderless buying, the pitfalls of relying solely on data, and why buying cheap doesn’t always mean buying smart. For investors chasing long-term outperformance, this conversation is packed with insights on due diligence, owner-occupier demand, and how to avoid the traps of short-term sugar hits.

Whether you’re investing in Perth or watching from the East Coast, this episode is a must-listen for anyone serious about sustainable growth. Hit play now and learn how to think long-term in a market driven by short-term noise.

 

 

 

Episode Highlights:
Welcome [00:00]
Perth Property Market Overview [00:59]
Current State of the Perth Market [01:28]
Impact of Investors and Local Buyers [03:11]
Challenges for Local Buyer's Agents [05:51]
Market Trends and Investment Strategies [07:33]
Common Mistakes by Investors [08:49]
Impact of Market Cycles on Investors [15:25]
Role of Lending Advice in Investment Strategies [38:11]
Due Diligence and Risk Management [42:35]
Property Market Trends and Future Outlook [49:05]

 

 

 

About our Guest:

Matthew Hughes is the Managing Director and Senior Buyer's Agent at Capital Property Advisory (CPA), Perth’s highest-rated buyer’s agency and development consultancy. With over 20 years of experience in property investment and development, Matthew has a deep passion for wealth creation through strategic property acquisition. He began investing at 19 and has since dedicated over a decade exclusively to working with buyers, guiding clients with unbiased, research-backed advice tailored to their individual goals. Matthew is a Qualified Property Investment Adviser (QPIA®), a licensed real estate and business agent, and a respected leader in the industry, recently winning the 2025 National Property Investment Adviser of the Year award from the Property Investment Professionals of Australia (PIPA). He also serves on the PIPA Board of Directors, advocating for ethical standards and investor education across Australia\

 

 

Connect with Matthew:
LinkedIn: https://www.linkedin.com/in/matthewhughesqpia/

 

 

 

Resources:
Visit our website: https://www.theelephantintheroom.com.au
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.alcove.au
Work with Chris: chrisbates@alcove.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

What happens when a city goes from being &ldquo;uninvestable&rdquo; to a national hotspot almost overnight?
In this episode, Perth-based buyer&rsquo;s agent Matthew Hughes joins Veronica to unpack what&rsquo;s driving the WA property surge&mdash;and what investors are getting wrong. With boots-on-the-ground insight, he shares why affordability alone is a flawed strategy, how investor FOMO is distorting the market, and why timing and fundamentals still matter.
While many are chasing quick wins, Matthew and Veronica challenge the hype. They dig into the risks of borderless buying, the pitfalls of relying solely on data, and why buying cheap doesn&rsquo;t always mean buying smart. For investors chasing long-term outperformance, this conversation is packed with insights on due diligence, owner-occupier demand, and how to avoid the traps of short-term sugar hits.
Whether you&rsquo;re investing in Perth or watching from the East Coast, this episode is a must-listen for anyone serious about sustainable growth. Hit play now and learn how to think long-term in a market driven by short-term noise.
&nbsp;
&nbsp;
&nbsp;
Episode Highlights:
<ul>
<li>Welcome [00:00]</li>
<li aria-level="1">Perth Property Market Overview [00:59]</li>
<li aria-level="1">Current State of the Perth Market [01:28]</li>
<li aria-level="1">Impact of Investors and Local Buyers [03:11]</li>
<li aria-level="1">Challenges for Local Buyer's Agents [05:51]</li>
<li aria-level="1">Market Trends and Investment Strategies [07:33]</li>
<li aria-level="1">Common Mistakes by Investors [08:49]</li>
<li aria-level="1">Impact of Market Cycles on Investors [15:25]</li>
<li aria-level="1">Role of Lending Advice in Investment Strategies [38:11]</li>
<li aria-level="1">Due Diligence and Risk Management [42:35]</li>
<li aria-level="1">Property Market Trends and Future Outlook [49:05]</li>
</ul>
&nbsp;
&nbsp;
&nbsp;
About our Guest:
Matthew Hughes is the Managing Director and Senior Buyer's Agent at Capital Property Advisory (CPA), Perth&rsquo;s highest-rated buyer&rsquo;s agency and development consultancy. With over 20 years of experience in property investment and development, Matthew has a deep passion for wealth creation through strategic property acquisition. He began investing at 19 and has since dedicated over a decade exclusively to working with buyers, guiding clients with unbiased, research-backed advice tailored to their individual goals. Matthew is a Qualified Property Investment Adviser (QPIA&reg;), a licensed real estate and business agent, and a respected leader in the industry, recently winning the 2025 National Property Investment Adviser of the Year award from the Property Investment Professionals of Australia (PIPA). He also serves on the PIPA Board of Directors, advocating for ethical standards and investor education across Australia\
&nbsp;
&nbsp;
Connect with Matthew:
<ul>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/matthewhughesqpia/">https://www.linkedin.com/in/matthewhughesqpia/</a></li>
</ul>
&nbsp;
&nbsp;
&nbsp;
Resources:
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<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:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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!
&nbsp;
<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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

Beyond the Boom: Long-Term Strategy vs. Short-Term Gains in Perth

In this episode, we’re joined by Tim Riley, founder of Property Collectives, to explore a new way of thinking about housing—one rooted in collaboration, not speculation. Tim breaks down how the group build model works, why it’s gaining traction, and how it empowers people to co-create their homes rather than buy off the plan.

We cover a wide range of topics, including long-term land leases, co-op residency structures, cost-based living models, and how these ideas could offer an alternative to rising rents and traditional home ownership. Tim also talks through the realities of group decision-making, equity capital requirements, and the mindset shift needed to embrace collective development.

If you’re interested in housing affordability, innovative ownership structures, or just want to understand where the future of property might be heading, this conversation is packed with insights.


Tune in now to hear how Property Collectives is challenging the status quo in Australian housing.

 

Episode Highlights:

Welcome [00:00]
Tim Riley's Journey and Initial Projects [02:14]
Details of Group Builds and Decision-Making [04:53]
Financial Benefits and Social Aspects [06:33]
Formation and Management of Groups [12:16]
Challenges and Solutions in Group Builds [15:10]
Expansion and Future Plans [31:05]
Impact and Broader Implications [55:21]

 

About our Guest:

Tim Riley is the founder and Development Director of Property Collectives, a pioneering Australian property development group known for its innovative, community-led approach to housing. With a background in marketing, Tim transitioned into property development in 2010, establishing Property Collectives to empower individuals and groups to collaboratively design and build architecturally distinctive homes at cost. Under his leadership, the company has delivered numerous projects across Melbourne, focusing on affordability, sustainability, and social impact. Tim’s vision centers on creating quality homes and vibrant communities by enabling participants to become co-developers, sharing both the responsibilities and rewards of property ownership

 

Connect with Tim:
LinkedIn:https://www.linkedin.com/in/timykriley/
Website: https://propertycollectives.com.au/team/tim-riley/
YouTube:https://www.youtube.com/user/timykriley1
Instagram:https://www.instagram.com/propertycollectives

 

Resources:
Visit our website: https://www.theelephantintheroom.com.au
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.alcove.au
Work with Chris: chrisbates@alcove.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

If you enjoyed today’s podcast, don’t forget to subscribe, rate, and share the show! There’s more to come, so we hope to have you along with us on this journey!

 

See you on the inside,

Veronica & Chris

In this episode, we&rsquo;re joined by Tim Riley, founder of Property Collectives, to explore a new way of thinking about housing&mdash;one rooted in collaboration, not speculation. Tim breaks down how the group build model works, why it&rsquo;s gaining traction, and how it empowers people to co-create their homes rather than buy off the plan.
We cover a wide range of topics, including long-term land leases, co-op residency structures, cost-based living models, and how these ideas could offer an alternative to rising rents and traditional home ownership. Tim also talks through the realities of group decision-making, equity capital requirements, and the mindset shift needed to embrace collective development.
If you&rsquo;re interested in housing affordability, innovative ownership structures, or just want to understand where the future of property might be heading, this conversation is packed with insights.
 Tune in now to hear how Property Collectives is challenging the status quo in Australian housing.
&nbsp;
Episode Highlights:
Welcome [00:00]
<ul>
<li aria-level="1">Tim Riley's Journey and Initial Projects [02:14]</li>
<li aria-level="1">Details of Group Builds and Decision-Making [04:53]</li>
<li aria-level="1">Financial Benefits and Social Aspects [06:33]</li>
<li aria-level="1">Formation and Management of Groups [12:16]</li>
<li aria-level="1">Challenges and Solutions in Group Builds [15:10]</li>
<li aria-level="1">Expansion and Future Plans [31:05]</li>
<li aria-level="1">Impact and Broader Implications [55:21]</li>
</ul>
&nbsp;
About our Guest:
Tim Riley is the founder and Development Director of Property Collectives, a pioneering Australian property development group known for its innovative, community-led approach to housing. With a background in marketing, Tim transitioned into property development in 2010, establishing Property Collectives to empower individuals and groups to collaboratively design and build architecturally distinctive homes at cost. Under his leadership, the company has delivered numerous projects across Melbourne, focusing on affordability, sustainability, and social impact. Tim&rsquo;s vision centers on creating quality homes and vibrant communities by enabling participants to become co-developers, sharing both the responsibilities and rewards of property ownership
&nbsp;
Connect with Tim:
<ul>
<li aria-level="1">LinkedIn: <a href="https://www.linkedin.com/in/timykriley/">https://www.linkedin.com/in/timykriley/</a></li>
<li aria-level="1">Website: <a href="https://propertycollectives.com.au/team/tim-riley/">https://propertycollectives.com.au/team/tim-riley/</a></li>
<li aria-level="1">YouTube: <a href="https://www.youtube.com/user/timykriley1">https://www.youtube.com/user/timykriley1</a></li>
<li aria-level="1">Instagram: <a href="https://www.instagram.com/propertycollectives">https://www.instagram.com/propertycollectives</a></li>
</ul>
&nbsp;
Resources:
<ul>
<li aria-level="1">Visit our website: https://www.theelephantintheroom.com.au</li>
<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:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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!
&nbsp;
<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>
If you enjoyed today&rsquo;s podcast, don&rsquo;t forget to subscribe, rate, and share the show! There&rsquo;s more to come, so we hope to have you along with us on this journey!
&nbsp;
See you on the inside,
Veronica &amp; Chris

Building Community, Not Just Property: Inside the Property Collectives Model

What’s really behind the shift we’re seeing in regional property market trends, especially along the NSW South Coast? In this episode, we sit down with our good friend and local expert Matthew Knight as someone who’s been living and breathing this stuff for years, to give us the real story. We’ve heard all the noise about COVID booms and tree changers flooding coastal towns, but what happens after the rush settles? Are people still moving out of the city, or has the tide gone out?

Matthew walks us through what he’s seeing on the ground; where prices surged way too far, where they’ve pulled back, and which areas are starting to bounce back. We talk about the rise of Airbnb buyers again, the return of holiday home interest, and how first-home buyers have actually had some solid opportunities, despite what the headlines say. The regional property market trends aren’t one-size-fits-all, and this chat really digs into why.

We also get into infrastructure changes like the Shell Cove Marina and new hospitals, and how those are making a real difference for retirees, families, and essential workers looking to settle in. And of course, we couldn’t help but talk about schools, childcare, and what happens when a region grows faster than it’s ready for.

This one’s a grounded, honest look at life beyond the cities; what’s working, what’s struggling, and what might be next. If you’ve been watching regional property market trends and wondering where things are headed, this episode’s got plenty to chew on.

Episode Highlights:

00:00 - Introduction

01:12 - Who is Matthew Knight?

01:29 - How has the South Coast property market changed since COVID?

05:44 - Which areas were hit hardest when the South Coast boom was corrected?

08:18 - Did city buyers push prices beyond what locals consider fair value?

10:53 - Why are some beach towns struggling more than others?

13:15 - Are more investors shifting to short-term rentals like Airbnb?

15:49 - Why have some people reversed their sea change and returned to the city?

23:36 - Did first-home buyers take advantage of softer conditions in 2024?

28:40 - What infrastructure upgrades are reshaping the region?

32:01 - Are zoning changes and new housing keeping up with growth?

33:41 - What broke when the population boomed and is it being fixed?

36:45 - What does the next five years look like for the regional market?

39:37 - How much does the future of remote work affect the coast’s appeal?

42:07 - Do locals just visit the city when they need a dose of culture or convenience?

46:22 - Matthew Knight’s property dumbo

About Our Guest:

Matthew Knight is the Founder and Director of Precium, a buyer’s agency specialising in regional New South Wales, particularly the NSW South Coast. With over two decades of experience in property investment and market analysis, Matt combines data-driven insight with a practical understanding of local dynamics. A long-time resident of the South Coast himself, he has firsthand knowledge of the region’s unique challenges and opportunities. Matt is widely respected for his integrity, deep local expertise, and commitment to helping homebuyers, investors, and downsizers make informed, confident property decisions.

Connect with Matthew Knight:
LinkedIn https://www.linkedin.com/in/mattknightprect
Instagram https://www.instagram.com/preciumproperty/
Website https://precium.com.au/

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.alcove.au
Work with Chris: chrisbates@alcove.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

What&rsquo;s really behind the shift we&rsquo;re seeing in regional property market trends, especially along the NSW South Coast? In this episode, we sit down with our good friend and local expert Matthew Knight as someone who&rsquo;s been living and breathing this stuff for years, to give us the real story. We&rsquo;ve heard all the noise about COVID booms and tree changers flooding coastal towns, but what happens after the rush settles? Are people still moving out of the city, or has the tide gone out?
Matthew walks us through what he&rsquo;s seeing on the ground; where prices surged way too far, where they&rsquo;ve pulled back, and which areas are starting to bounce back. We talk about the rise of Airbnb buyers again, the return of holiday home interest, and how first-home buyers have actually had some solid opportunities, despite what the headlines say. The regional property market trends aren&rsquo;t one-size-fits-all, and this chat really digs into why.
We also get into infrastructure changes like the Shell Cove Marina and new hospitals, and how those are making a real difference for retirees, families, and essential workers looking to settle in. And of course, we couldn&rsquo;t help but talk about schools, childcare, and what happens when a region grows faster than it&rsquo;s ready for.
This one&rsquo;s a grounded, honest look at life beyond the cities; what&rsquo;s working, what&rsquo;s struggling, and what might be next. If you&rsquo;ve been watching regional property market trends and wondering where things are headed, this episode&rsquo;s got plenty to chew on.
Episode Highlights:
00:00 - Introduction
01:12 - Who is Matthew Knight?
01:29 - How has the South Coast property market changed since COVID?
05:44 - Which areas were hit hardest when the South Coast boom was corrected?
08:18 - Did city buyers push prices beyond what locals consider fair value?
10:53 - Why are some beach towns struggling more than others?
13:15 - Are more investors shifting to short-term rentals like Airbnb?
15:49 - Why have some people reversed their sea change and returned to the city?
23:36 - Did first-home buyers take advantage of softer conditions in 2024?
28:40 - What infrastructure upgrades are reshaping the region?
32:01 - Are zoning changes and new housing keeping up with growth?
33:41 - What broke when the population boomed and is it being fixed?
36:45 - What does the next five years look like for the regional market?
39:37 - How much does the future of remote work affect the coast&rsquo;s appeal?
42:07 - Do locals just visit the city when they need a dose of culture or convenience?
46:22 - Matthew Knight&rsquo;s property dumbo
About Our Guest:
Matthew Knight is the Founder and Director of Precium, a buyer&rsquo;s agency specialising in regional New South Wales, particularly the NSW South Coast. With over two decades of experience in property investment and market analysis, Matt combines data-driven insight with a practical understanding of local dynamics. A long-time resident of the South Coast himself, he has firsthand knowledge of the region&rsquo;s unique challenges and opportunities. Matt is widely respected for his integrity, deep local expertise, and commitment to helping homebuyers, investors, and downsizers make informed, confident property decisions.
Connect with Matthew Knight:
<ul>
<li aria-level="1">LinkedIn <a href="https://www.linkedin.com/in/mattknightprect">https://www.linkedin.com/in/mattknightprect</a></li>
<li aria-level="1">Instagram <a href="https://www.instagram.com/preciumproperty/">https://www.instagram.com/preciumproperty/</a></li>
<li aria-level="1">Website <a href="https://precium.com.au/">https://precium.com.au/</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:</li>
<ul>
<li aria-level="2">The Elephant in the Room Property Podcast - <a href="mailto:questions@theelephantintheroom.com.au">questions@theelephantintheroom.com.au</a></li>
</ul>
<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.alcove.au">https://www.alcove.au</a></li>
<li aria-level="1">Work with Chris: <a href="mailto:chrisbates@alcove.au">chrisbates@alcove.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!
&nbsp;
<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>

What’s Fueling the Sentiment Shift in Regional Property?

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

The Elephant In The Room Property Podcast | Inside Australian Real Estate

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