Why Three or Four Good Investment Properties Can Still Make a Bad Portfolio

When should capital growth stop being your main goal? In this episode of Perth Property Insider, I answer that simple question (with big stakes). Growth builds your asset base, and it deserves respect. But if you keep investing the same way forever, you can end up with a portfolio that looks great on paper and doesn’t support the life you built it for. You’ll hear the three stages of a property investment strategy, and what you must do differently at each stage and why. I also share why I’m saying no to great deals right now, and the stage I’m in that makes that the right call. I also cover the five signs growth may no longer be your number one priority. Some are obvious, but one gets overlooked by investors who are proud of how many properties they own. And I flip it around to warn younger investors about the opposite mistake. Finally, I give you five questions to test where your property portfolio should go next. That includes the one I ask about every property: if I didn’t own it today, would I buy it again? Another covers a cost most people forget when they plan for retirement. Whether you’re building, consolidating, or planning to work less, hit play now, and find out if your portfolio is still doing the right job. Tune in to discover: ✅ The three stages every property portfolio moves through, and how to tell which one you’re in right now ✅ Why I’m saying “no” to great deals that land on my desk every day ✅ How two investors of the same age can need completely opposite strategies ✅ The one sign you may already own enough property to reach your goal ✅ When paying off $500,000 of debt could do more for your lifestyle than $500,000 of growth ✅ The retirement cost most people forget to plan for (and why it matters for your debt today) Key Points 00:00:00 Intro 00:01:00 When Growth Stops Working 00:04:32 Your Portfolio’s Job 00:07:40 No Magic Age 00:10:50 Debt Beats Next Purchase 00:14:24 The Decision Framework 00:17:26 Strategy Is Allowed To Change - Our Services: ✅Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) ✅Get clear on your current property’s outlook and the best strategy for you? Email Jarrad for your Strategic Property Review: [email protected] ✅For More on our Investment Buyers Agency to buy High Performing property: https://www.investorsedge.com.au/invest-in-perth-property/ ✅For more on our Home Buying Service to a hassle free purchase and move: https://www.investorsedge.com.au/home-buying/ ✅For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind https://www.investorsedge.com.au/perth-property-management-specialists/ ✅For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you https://www.investorsedge.com.au/selling-your-perth-property/ Tools & Insights: ✅Take our Property Investor Readiness Scorecard to uncover your blind spots and make smarter investment decisions before you buy: https://investorsedge.scoreapp.com/ ✅Get your Rental Health Score now to ensure your Perth rental property is optimised for returns and sleeping well at night https://rentalhealth.scoreapp.com/ ✅View upcoming property investor webinars, events, and networking sessions: https://www.investorsedge.com.au/events/ ✅Get suburb intelligence reports and exclusive invites to our webinars, events, and workshops. https://www.investorsedge.com.au/join ✅Join the Perth Property Investment Facebook Group https://www.facebook.com/groups/perthpropertyinvestors - Connect with Perth Property Insider: https://www.youtube.com/channel/UCgT9-gB6RS69xSgc8J9KrOw https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Your own brain can cost you more than a bad suburb ever will. In 18 years of property investing, I’ve watched smart investors lose money on decisions that felt rational at the time. They buy because everyone else is making money. They hold a property because they’ve owned it for a decade. They wait for a peak price that’s gone. Or they research for six more months because doing nothing feels safe. In this episode of Perth Property Insider, I’m revealing the seven mental traps that cost property investors money. For each one, I show you how to spot it in yourself, along with a single question that pulls you back into clear thinking. I’m also sharing a simple decision checklist to run before you buy, hold, improve, or sell your next investment property. If you own investment property in Perth, or you’re planning your next purchase, discover which trap could be steering your next property decision. Tune in to discover: ✅ One question that shows whether FOMO is making your buying decision for you ✅ How a single number from the peak market can block your next move ✅ The question to ask about any property you’ve owned for years ✅ How to use AI to challenge your property decisions… instead of just agreeing with you ✅ The exact point where more research stops helping and starts costing you money ✅ The five-year test that shows whether your success came from skill or just a rising market ✅ A simple decision checklist to run before you buy, hold, improve, or sell Key Points 00:00:00 Intro and the FOMO trap 00:03:33 Anchoring and sunk costs 00:08:21 Recency and confirmation bias 00:12:57 Analysis paralysis 00:16:02 The overconfidence trap 00:19:24 Your decision checklist - Our Services: ✅Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) ✅Get clear on your current property’s outlook and the best strategy for you? Email Jarrad for your Strategic Property Review: [email protected] ✅For More on our Investment Buyers Agency to buy High Performing property: https://www.investorsedge.com.au/invest-in-perth-property/ ✅For more on our Home Buying Service to a hassle free purchase and move: https://www.investorsedge.com.au/home-buying/ ✅For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind https://www.investorsedge.com.au/perth-property-management-specialists/ ✅For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you https://www.investorsedge.com.au/selling-your-perth-property/ Tools & Insights: ✅Take our Property Investor Readiness Scorecard to uncover your blind spots and make smarter investment decisions before you buy: https://investorsedge.scoreapp.com/ ✅Get your Rental Health Score now to ensure your Perth rental property is optimised for returns and sleeping well at night https://rentalhealth.scoreapp.com/ ✅View upcoming property investor webinars, events, and networking sessions: https://www.investorsedge.com.au/events/ ✅Get suburb intelligence reports and exclusive invites to our webinars, events, and workshops. https://www.investorsedge.com.au/join ✅Join the Perth Property Investment Facebook Group https://www.facebook.com/groups/perthpropertyinvestors - Connect with Perth Property Insider: https://www.youtube.com/channel/UCgT9-gB6RS69xSgc8J9KrOw https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Since the federal budget quarantined negative gearing, Australian property investors buying established homes face a much bigger cashflow gap. You still get the tax benefit, but you just wait 10 to 15 years to use it (and that wait is painful for investors). In this episode of Perth Property Insider, I sit down with financial planner Stuart Wemyss, host of Investopoly, to discuss a strategy he wrote about: Borrowing part of the shortfall in the early years, then repaying it once the property turns cashflow positive. Stuart modelled it over 30 years and I think you’ll be surprised at what it could do to your after-tax returns. Of course it’s not a magic bullet, but it’s definitely something savvy investors needs to be aware of. Stuart also exposes a common rental yields trap and why "a bad yes costs more than a bad no." If you're working out your next move after the 2026 budget changes, hit play now and learn how to keep building wealth without compromising on asset quality. Tune in to discover: ✅ The real effect of quarantined negative gearing on cashflow (and the impact on your next purchase) ✅ A simple borrowing strategy that can ease the cashflow gap in the early years ✅ How much the budget changes cut after-tax property returns… and how to claw some back ✅ Why investors who bought before budget night may hold a big planning advantage ✅ The odds Stuart gives negative gearing of making a comeback (see if you agree!) ✅ How the timing of your purchase within a growth cycle can influence your long-term capital growth ✅ The one thing to obsess over once you own a property - PLUS what to stop worrying about Key Points 00:00:00 Intro 00:03:00 Cashflow is the real hurdle 00:06:30 Value of pre-budget properties 00:10:23 Borrowing the tax gap 00:14:18 Will negative gearing return 00:17:49 The high yield trap 00:20:51 Comparing the real returns 00:27:38 Timing the growth cycle 00:30:42 Obsess over income and expenses 00:34:00 Don't set your budget too low - Connect with Stuart Wemyss https://prosolution.com.au/ https://www.linkedin.com/in/stuartwemyss - Check Out The Investopoly Podcast Hosted By Stuart Wemyss https://www.youtube.com/@investopolypodcast https://investopoly.buzzsprout.com/share - Our Services: ✅Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) ✅Get clear on your current property’s outlook and the best strategy for you? Email Jarrad for your Strategic Property Review: [email protected] ✅For More on our Investment Buyers Agency to buy High Performing property: https://www.investorsedge.com.au/invest-in-perth-property/ ✅For more on our Home Buying Service to a hassle free purchase and move: https://www.investorsedge.com.au/home-buying/ ✅For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind https://www.investorsedge.com.au/perth-property-management-specialists/ ✅For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you https://www.investorsedge.com.au/selling-your-perth-property/ Tools & Insights: ✅Take our Property Investor Readiness Scorecard to uncover your blind spots and make smarter investment decisions before you buy: https://investorsedge.scoreapp.com/ ✅Get your Rental Health Score now to ensure your Perth rental property is optimised for returns and sleeping well at night https://rentalhealth.scoreapp.com/ ✅View upcoming property investor webinars, events, and networking sessions: https://www.investorsedge.com.au/events/ ✅Get suburb intelligence reports and exclusive invites to our webinars, events, and workshops. https://www.investorsedge.com.au/join ✅Join the Perth Property Investment Facebook Group https://www.facebook.com/groups/perthpropertyinvestors - Connect with Perth Property Insider: https://www.youtube.com/channel/UCgT9-gB6RS69xSgc8J9

In this episode of Perth Property Insider, I take you inside a fishing trip that doesn't go to plan, and show you the lessons it made me realise for your property decisions. It’s no secret that the Perth property market has changed. Earlier this year, I set a record price almost every time I sold a property. Now homes sit on the market for longer, and sellers have to adjust their expectations. So how do you sell well, buy well, and keep building wealth when conditions turn? My answers come from a rough day on the water, a mate who out-fishes me, and a big fish that gets away about 10 metres from the boat. I also cover why you need a strategic portfolio plan before you buy your next investment property, and why buyers now have more choice and more room to negotiate. I explain how the federal budget changes to negative gearing and capital gains tax may shape your next purchase. And you’ll also hear how to keep an interested buyer moving without pushing them away. In this episode, you'll learn: ✅ The question to answer before you buy your next investment property ✅ Why the sale process that set record prices in Perth six months ago now has a very different job ✅ What feels uncomfortable for sellers right now, and how buyers can use it to their advantage ✅ How to keep an interested buyer moving toward an offer without heavy pressure ✅ What losing a fish 10 metres from the boat reminded me about a big negotiation mistake sellers make ✅ Why federal budget changes to negative gearing and capital gains tax affect future decision making Key Moments: 00:00:00 Intro 00:04:50 Good Conditions Never Last 00:08:55 Adapt Or Get Out-Fished 00:13:20 Keep The Tension On 00:17:52 Remember Your Real Why 00:20:55 Selling To Upgrade Home - Our Services: ✅Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) ✅Get clear on your current property’s outlook and the best strategy for you? Email Jarrad for your Strategic Property Review: [email protected] ✅For More on our Investment Buyers Agency to buy High Performing property: https://www.investorsedge.com.au/invest-in-perth-property/ ✅For more on our Home Buying Service to a hassle free purchase and move: https://www.investorsedge.com.au/home-buying/ ✅For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind https://www.investorsedge.com.au/perth-property-management-specialists/ ✅For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you https://www.investorsedge.com.au/selling-your-perth-property/ Tools & Insights: ✅Take our Property Investor Readiness Scorecard to uncover your blind spots and make smarter investment decisions before you buy: https://investorsedge.scoreapp.com/ ✅Get your Rental Health Score now to ensure your Perth rental property is optimised for returns and sleeping well at night https://rentalhealth.scoreapp.com/ ✅View upcoming property investor webinars, events, and networking sessions: https://www.investorsedge.com.au/events/ ✅Get suburb intelligence reports and exclusive invites to our webinars, events, and workshops. https://www.investorsedge.com.au/join ✅Join the Perth Property Investment Facebook Group https://www.facebook.com/groups/perthpropertyinvestors - Connect with Perth Property Insider: https://www.youtube.com/channel/UCgT9-gB6RS69xSgc8J9KrOw https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Perth's median house price cracked $1 million in the March 2026 quarter. By June it slipped back to $977,000. That's a fall of about 2.3% from the peak, yet still around 4% above December. So is this a Perth property correction or not? In this episode I walk through what the data actually shows, suburb by suburb, and where the real cracks are forming. You’ll hear the strongest house suburbs for the quarter and the pattern that links most of them. I look at why suburbs above $1.6 million grew slower than the middle of the market, and why buyer depth matters more as borrowing capacity tightens. Then I dig into units, where the spread is far wider. If you own, buy or invest in Perth real estate, this episode gives you the full picture. In this episode, you'll learn: ✅ Why Perth's median house price hit $1 million in March and gave part of it back by June ✅ The Perthsuburbs that still grew 7% to 10% in a single quarter as the wider market cooled ✅ Why suburbs with medians above $1.6 million grew slower than the middle of the market ✅ The unit suburbs that surged more than 12% in one quarter, and the one that fell 6.2% ✅ The six to eight week lag built into settled sales data ✅ Four questions every Perth property owner should ask before assuming the last 12 months of growth means nothing’s changed. Key moments: 00:00:00 Intro 00:03:00 Peak to June price drop 00:06:03 Top house suburb performers 00:09:40 Where houses went flat 00:12:40 Fringe suburbs lead units 00:16:20 The lag hiding the correction 00:19:40 Why cheaper holds up 00:23:20 Perth is a market of markets - Our Services: ✅Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property (https://www.investorsedge.com.au/invest-in-perth-property/) ✅Get clear on your current property’s outlook and the best strategy for you? Email Jarrad for your Strategic Property Review: [email protected] ✅For More on our Investment Buyers Agency to buy High Performing property: https://www.investorsedge.com.au/invest-in-perth-property/ ✅For more on our Home Buying Service to a hassle free purchase and move: https://www.investorsedge.com.au/home-buying/ ✅For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind https://www.investorsedge.com.au/perth-property-management-specialists/ ✅For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you https://www.investorsedge.com.au/selling-your-perth-property/ Tools & Insights: ✅Take our Property Investor Readiness Scorecard to uncover your blind spots and make smarter investment decisions before you buy: https://investorsedge.scoreapp.com/ ✅Get your Rental Health Score now to ensure your Perth rental property is optimised for returns and sleeping well at night https://rentalhealth.scoreapp.com/ ✅View upcoming property investor webinars, events, and networking sessions: https://www.investorsedge.com.au/events/ ✅Get suburb intelligence reports and exclusive invites to our webinars, events, and workshops. https://www.investorsedge.com.au/join ✅Join the Perth Property Investment Facebook Group https://www.facebook.com/groups/perthpropertyinvestors - Connect with Perth Property Insider: https://www.youtube.com/channel/UCgT9-gB6RS69xSgc8J9KrOw https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.