We hear it more and more: 'Property is so dear, it's impossible...so we are just going to give up now.' Today the author who coined the contentious line about renting forever if you never purchase a home explains his distinct point of view. Not everyone will agree.

Financial adviser Bruce Brammall joins wealth editor James Kirby in this episode.

In today's show, we cover:

• Look again - Maybe you can buy that first home
• Permanent residence - what you need to know
• When the bank changes the rate you thought you agreed on
• Negative gearing beyond property