The Money Puzzle: James Kirby on negative gearing and low rental yields with Cate Bakos

Is positive gearing feasible with high rates and low rental yields

The promise of the investment property that 'pays for itself' is all too common in the property market and all too difficult to locate in practice. Is positive gearing feasible with high rates and low rental yields? 


In today's show we cover:
Positive gearing - The fading prospect
Bad behaviour among buyers advocates
Using Federal and State home buyer grants in tandem
When advice lets you down 

Real estate advisor Cate Bakos joins wealth editor James Kirby in this episode.  

The promise of the investment property that 'pays for itself' is all too common in the property market and all too difficult to locate in practice. Is positive gearing feasible with high rates and low rental yields? 
 In today's show we cover:
<ul>
<li>Positive gearing - The fading prospect</li>
<li>Bad behaviour among buyers advocates</li>
<li>Using Federal and State home buyer grants in tandem</li>
<li>When advice lets you down </li>
</ul>
Real estate advisor Cate Bakos joins wealth editor James Kirby in this episode.

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au. 

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at <a href="mailto:themoneypuzzle@theaustralian.com.au">themoneypuzzle@theaustralian.com.au</a>.&nbsp;

The Australian’s Money Puzzle covers all important finance and property topics.

The Money Puzzle

Every week, The Australian's James Kirby delivers two power-packed episodes featuring in-depth analysis of property markets and smart money-making strategies.

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au.

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at themoneypuzzle@theaustralian.com.au.

Mythbusting The Promise of Positive Gearing

Rental market shock: Why residential rental income is rising (again) despite flat forecasts

Property investors are suddenly grappling with a reshaped market where forecasts have been turned upside down

It was not supposed to happen this year: Vacancy rates were meant to rise in 2026 and income was expected to flatten…not at all. Property investors are suddenly grappling with a reshaped market where forecasts have been turned upside down.

Louis Christopher of SQM Research joins Associate Editor James Kirby in this episode.

In today’s episode, we cover:
As you were! The upset trend of the year for property investors 
The downgrades keep coming for house prices
CGT looks set to increase
Will a two-property negative gearing limit hurt?

It was not supposed to happen this year: Vacancy rates were meant to rise in 2026 and income was expected to flatten&hellip;not at all.&nbsp;Property investors are suddenly grappling with a reshaped market where forecasts have been turned upside down.
Louis Christopher of SQM Research joins Associate Editor James Kirby in this episode.
In today&rsquo;s episode, we cover:
<ul>
<li>As you were! The upset trend of the year for property investors&nbsp;</li>
<li>The downgrades keep coming for house prices</li>
<li>CGT looks set to increase</li>
<li>Will a two-property negative gearing limit hurt?</li>
</ul>

Why residential rental income is about to move higher (again) 

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/e6c0a4e1-ec88-4292-b94f-b42c009b37d5/transcript

Separately Managed Accounts: Advisers love them, but should you?

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest?

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest?

Nathan Fradley of Fradley Advice joins Associate Editor, James Kirby in this episode.


In today's show, we cover...
The good, bad and potentially ugly side of the SMA boom
Will SMSFs get a fair deal in the new Compo scheme of last resort
Reward points and super funds- a marriage made in the marketing department
Why are financial advice fees not coming down if AI cuts costs?

SMAs are booming inside the financial advice sector: But if they are so terrific, then why is regulator ASIC asking so many probing questions around fees and conflicts of interest? Nathan Fradley of Fradley Advice joins Associate Editor, James Kirby in this episode.
 In today's show, we cover...
<ul>
<li>The good, bad and potentially ugly side of the SMA boom</li>
<li>Will SMSFs get a fair deal in the new Compo scheme of last resort</li>
<li>Reward points and super funds- a marriage made in the marketing department</li>
<li>Why are financial advice fees not coming down if AI cuts costs?</li>
</ul>

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/11f9fb9b-c65b-4b19-aae9-b4270058047b/transcript

Standby for a house price downturn

You can’t have a run of interest rate hikes and expect property to shoot out the lights. The chances are we are going to see a price slowdown in the major cities later this year…especially at the top end. But a string of factors point to serious resilience at the other end of the market.

You can’t have a run of interest rate hikes and expect property to shoot out the lights. The chances are we are going to see a price slowdown in the major cities later this year…especially at the top end. But a string of factors point to serious resilience at the other end of the market.

Independent housing analyst, Eliza Owen, joins Associate Editor, James Kirby in this episode 

In today’s show, we cover:
The key factors keeping demand strongest at the entry level
How the 5% home deposit scheme skewed house prices
A new CGT discount rate of 33% is now the most likely Budget change
The problem with ‘grandfathering’ 

You can&rsquo;t have a run of interest rate hikes and expect property to shoot out the lights. The chances are we are going to see a price slowdown in the major cities later this year&hellip;especially at the top end. But a string of factors point to serious resilience at the other end of the market.
Independent housing analyst, Eliza Owen, joins Associate Editor, James Kirby in this episode&nbsp;
In today&rsquo;s show, we cover:
<ul>
<li>The key factors keeping demand strongest at the entry level</li>
<li>How the 5% home deposit scheme skewed house prices</li>
<li>A new CGT discount rate of 33% is now the most likely Budget change</li>
<li>The problem with &lsquo;grandfathering&rsquo;&nbsp;</li>
</ul>

Where investors will hunt in the looming property downturn

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/2742e0af-d004-4807-a8a7-b425003b5404/transcript

Mythbusting The Promise of Positive Gearing

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