Shore Financial

In this episode of Property & Finance, Theo Chambers is joined by Alex Phillips, founder of Phillips & Co. Ray White and one of Australia’s top real estate agents. Together they take a frontline look at what vendors, buyers, landlords and homeowners are feeling in today’s market. Theo opens with the latest data: rising unemployment, stubborn inflation and Sydney prices down 8.6% from their peak in just seven months, one of the fastest declines on record. Alex then shares what he’s seeing at open homes, auctions and listing appointments across the eastern suburbs, and why he thinks this downturn is different from the GFC and COVID. In this episode, we cover: Why Alex believes it could take 3–5 years for prices to recover The “three-speed” market, and why vendor motivation decides how fast a home sells How the gap between vendor and buyer expectations has narrowed from 30% to around 10% Which vendors are under the most pressure, and why buyers from 2021 onwards are feeling it most Why upsizers are making the most of this market How the LMR zoning changes are affecting eastern suburbs owners, developers and apartment values What happens when buyers walk away from their deposit Why Alex moved his business to Ray White, and how scale and technology are reshaping the industry If you’re buying, selling or holding property right now, this episode gives you a practical look at what’s happening on the ground, beyond the headlines. Disclaimer: The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on any information shared in this podcast.

In this episode of Property & Finance, Theo Chambers is joined again by Marc Giuffrida, Head of Capital at Westbridge Funds Management. They talk through what investors need to know about commercial property in a market full of moving parts. Theo and Marc discuss how to invest through three major tax reform announcements, tensions in the Strait of Hormuz, sticky inflation and growing government deficits. They also cover where the opportunities are for patient investors who keep things simple. In this episode, we cover: Why buying below replacement cost matters in today's market Choosing sectors that will keep supporting your tenants How markets price in risk, and what happens when there's too much to take in at once What the three proposed tax reforms could mean for property investors Why the Strait of Hormuz has become a factor for investorsHow inflation and government deficits are affecting commercial property Finding markets with little competition, so you can buy below average prices at above average yields Keeping debt under control and choosing quality tenants Why Westbridge gives each investment around five years to play out How commercial property syndicates work and what to look for If you're thinking about commercial property, this episode gives you a practical look at how a professional manager finds, buys and manages assets in an uncertain market. Disclaimer:The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers is joined by Thomas McGlynn, Chief Executive of Performance and Value at the Ray White Group and President of the Real Estate Institute of NSW, for a look at what is really happening beneath the headline numbers in a soft and confusing market. Theo and Tom also get into housing policy and tax reform, why treating every participant in the housing system as a consumer matters, and where the buying opportunities are shifting across the country. In this episode, we cover: The latest inflation, interest rate and labour market data, and what it means for property Why clearance rates are at levels not seen since the GFC and the first month of COVID What clearance rates don't show: withdrawals, passed-in properties and rejected offers Why sellers, not buyers, are driving the current stall in transaction activity Tom's move from a Sydney boutique to a national leadership role, and why culture is really just standards What separates the top 5% of agents, and how a soft market exposes inexperience Whether AI and automation will genuinely change the agent's roleHousing policy and tax reform: negative gearing, developer incentives, and swapping stamp duty for a GST adjustment Which markets are surprising right now, including Darwin, Tasmania, Melbourne's value proposition and the case for Sydney Why sentiment and confidence move prices more than interest rates, using 2022 versus 2024 as the example What the spring selling season could bring, and whether buyer depth will support higher listing volumes The advice Tom would give his own kids: why time in the market beats timing the market If you want to understand why the data looks worse than the market feels, and where the opportunities sit for both buyers and sellers right now, this episode offers a rare national view from someone with visibility across thousands of agents. Disclaimer: The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers is joined by Luke Berry, Founder and CEO of Thirdi Group, a residential developer with over $5 billion in gross realisation value currently under construction, to break down why Australia's housing supply crisis has become such a stubborn, structural problem. Rather than rehashing the headlines, Theo and Luke get into the practical, on-the-ground realities of getting homes built today: the economics that make or break a development's feasibility, the policy settings that are helping (and hurting), and how the new NSW Low and Mid-Rise zoning reforms are playing out in practice. The discussion covers everything from construction cost blowouts and financing constraints through to state significant development pathways, transport-oriented development, and why Luke believes build-to-rent and generational wealth transfer will help rebalance the market over the next 20 years. In this episode, we cover: Setting the scene: just how big is Australia's housing shortage? Why developers aren't building enough homes, despite demand The economics of development, including construction costs and required returns Government policy: what's working and what's not NSW planning reforms and LMR zoning changes explained Reasons for optimism, including build-to-rent, co-living and transport-oriented development Why the housing pipeline being approved today won't deliver homes for years What genuine success in solving the housing crisis could look like in five years If you want to understand what's really driving the housing shortage and what could actually fix it, this episode offers rare insight from someone building through the crisis every day. 🎧 Listen now on Apple Podcasts and Spotify. Disclaimer: The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

The Federal Budget's Biggest Investment Impacts Explained | Property & Finance #39 In this episode of Property & Finance, Theo Chambers is joined by Brad Seeto, Director of Bramelle Partners, to break down the real impact of the Federal Budget on investors, business owners and everyday Australians. Rather than focusing on the policy announcements themselves, Theo and Brad explore how these changes are already influencing investor behaviour, property strategies and long-term wealth creation. The discussion covers everything from the proposed changes to negative gearing and capital gains tax through to SMSFs, trust structures, business ownership and why some Australians are now exploring overseas tax jurisdictions. In this episode, we cover: How the negative gearing changes could reshape the property market The practical impact of the proposed CGT reforms Why investors are prioritising cash flow over tax benefits Trusts, companies and changing investment structures SMSFs and property investing opportunities The outlook for inflation, interest rates and the Australian economy Why some business owners are considering selling earlier or relocating overseas What these reforms mean for the next generation of wealth creation If you're looking to understand how these tax changes may affect your investments or business, this episode provides practical insights into planning for the future. 🎧 Listen now on Apple Podcasts and Spotify. Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It does not consider your individual objectives, financial situation or needs. Before acting on any information, you should seek independent financial, legal and tax advice.

The Federal Budget has delivered some of the mostsignificant tax and property policy changes Australia has seen in decades. In this episode of Property & Finance, Theo Chamberssits down with economist Martin Lakos to discuss what the changes mean forinvestors, business owners, first-home buyers and everyday Australians. This episode covers: • Capital Gains Tax reforms • Negative gearing changes • Trust taxation updates • The impact on housing affordability • Rental market implications • Borrowing capacity and lending considerations • SMSF investment opportunities • The future of property investing in Australia Martin and Theo also discuss the broader economicconsequences of the reforms, including their potential impact on housingsupply, investment activity and long-term wealth creation. If you're an investor, homeowner, business owner or simplytrying to understand how the Budget may affect your financial future, thisepisode is essential listening.

In this episode, we sit down with demographer and social commentator Bernard Salt AM to unpack the powerful demographic, economic and lifestyle trends reshaping Australia over the next decade. From population growth and migration shifts to the future of housing, work, wealth transfer and ageing, Bernard shares insights into where Australians are moving, how we’re living, and what it means for businesses, investors and everyday Australians. We explore: • Why Australia’s population is set to surpass 30 million by 2035 • The rise of “forever homes” and changing lifestyle priorities • How migration is reshaping Australia’s cultural and economic landscape • The industries and jobs experiencing the biggest growth shifts • The massive intergenerational wealth transfer already underway • Why health, aged care and wellness will dominate future demand This is a fascinating conversation on the demographic forces influencing property, consumer behaviour, employment and the future of Australian cities. Listen now to hear Bernard’s outlook on where Australia is heading — and the opportunities emerging along the way.

In this episode of Property & Finance, Theo Chambers is joined by Darren Venter, CEO of The Investors Agency, to unpack how smart investors are navigating today’s economic environment. With rising interest rates, persistent inflation, and global uncertainty, many buyers are sitting on the sidelines. But as discussed in this episode, waiting could come at a cost. Theo breaks down the current macro environment, including why inflation remains elevated and how much of it is being driven by supply-side pressures such as energy, construction, and housing shortages . Darren then dives into how data, technology, and structured portfolio planning are helping investors identify high-growth opportunities across Australia, beyond just the major cities. In this episode, we cover: • The real drivers of inflation and interest rate decisions • Why the market may turn faster than expected • How to identify growth markets using data and fundamentals • The importance of affordability and population movement • Why land vs units matters in today’s cycle • Portfolio strategy, buying today to enable tomorrow • SMSF investing and structuring considerations If you’re looking to build wealth through property, this episode will change how you think about investing.

The legal side of property is often overlooked — but it can make or break your deal. In Episode 35 of Property & Finance , Theo Chambers is joined by Justin Sammut from LAS Lawyers to unpack the key legal considerations every buyer and investor should understand before signing a contract. From special conditions and cooling-off periods to deposit structures and ownership strategies (individual vs company vs trust), this episode breaks down the complexities of property law in a practical, easy-to-understand way. They also explore negotiation strategies in competitive markets, and the risks involved in off-the-plan and SMSF property purchases — where getting the right legal advice is critical. Founded in 1989, LAS Lawyers has evolved alongside their clients — from supporting hospitality businesses to advising sophisticated property developers — and remains a trusted partner of Shore Financial. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers is joined by Marc Giuffrida, Head of Capital at Westbridge Funds Management, to unpack commercial property syndication and the investment themes shaping today’s market. From the rise of medical assets to a deep dive into the College Junction Medical Centre syndication in Brisbane, they explore how institutional-grade opportunities are becoming more accessible to sophisticated investors. The conversation also touches on emerging industrial sector opportunities, including an exciting new collaboration between Shore Invest and Westbridge. Follow the show for more conversations on property, finance and strategic wealth building. The information shared on this podcast is of a generalnature only and has been prepared without taking into account your particularfinancial needs, circumstances and objectives. While every effort has been madeto ensure the accuracy of the information, it is not guaranteed. You shouldobtain professional advice before acting on this information. Additionally,this podcast may include certain forward-looking statements. Forward-lookingstatements are not guarantees of future performance and involve known andunknown risks, uncertainties and other factors, many of which are beyond ourcontrol. You should not place reliance on forward-looking statements.

In episode #31 of the Property & Finance podcast, Theo is joined by Roland Xu, Financial Adviser at Shore Financial, for a practical breakdown of how financial planning supports wealth creation at every stage of life. This episode explores what a financial planner actually does, smart investment strategies for accumulators such as young families and high-potential earners, and how self-managed super funds work in practice. The conversation also unpacks recent legislative changes to superannuation, including retirement age and access rules, and explains the role of risk insurance in protecting both your income and long-term plans. A must-listen for any Australian wanting clarity and confidence around their financial future.

In Episode #32 of the Property & Finance podcast, Theo is joined once again by Dr Nicola Powell, Chief of Research & Economics at Domain, for a deep dive into Domain’s End of Year Wrap 2025. Revisiting the predictions Nicola shared on the podcast in December 2024, this episode unpacks what played out across the market, including Adelaide, Brisbane and Perth emerging as the standout performers, with house price growth around 9 percent and unit growth of 12 to 16 percent, far outpacing Sydney and Melbourne. The conversation explores the powerful role of population growth, the resurgence of investors, shifting buyer preferences toward more affordable and flexible housing options, and what consumer sentiment, rate conditions and key market drivers could mean as we head into 2026. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode, Theo Chambers is joined by Betashares Chief Economist David Bassanese to unpack the key economic shifts shaping Australia and the world in 2024–2026. They revisit their predictions from late 2023, discuss the latest inflation data, and explore how potential US and RBA rate cuts could impact markets and property sentiment. The conversation also covers China’s slowdown, equity market highs, investor optimism, and where opportunities may lie in ETFs and fixed income. Tune in for clear, data-driven insights to help you navigate the next phase of the economic cycle. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance , Theo Chambers is joined by Shaun Atkins, Co-Founder of Create Cashflow, for a comprehensive look at investment strategies in today’s shifting property landscape. Shaun introduces the vision behind Create Cashflow and breaks down how the changing climate of property investment is reshaping the way investors approach opportunities. Together, they compare established homes with house-and-land packages, unpack the “restvesting” strategy, and explore the role of different investment classes—from traditional dwellings to new builds. The conversation takes a deep dive into dual occupancy projects and the fast-emerging co-living sector, including conversions, demand trends, occupancy rates, and the unique property management considerations that come with them. Shaun also shares insights on rental yields, financial structuring, and how to navigate the complexities of this growing investment niche. Packed with practical takeaways, this episode offers valuable guidance on balancing risk and return, identifying high-yield opportunities, and building a portfolio that generates sustainable cash flow in an evolving market. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers sits down with Geordie Williams, Director of Williams Real Estate Company, for an in-depth discussion on property investment strategies and the principles behind building a resilient portfolio. Geordie shares insights from his own investment journey, breaking down the fundamentals of valuation, timing, and market cycles—including the significance of the 18-year land cycle. Together, they explore how to balance growth with cash flow, identify high-yield opportunities, and structure investments for long-term success. The conversation also delves into rezoning potential, the effects of gentrification, and navigating the affordable housing market. Geordie highlights how to build an “all-weather” portfolio that can withstand shifting conditions, while offering his perspective on the current market climate and what lies ahead. Whether you’re a seasoned investor or just beginning your journey, this episode is packed with practical strategies and forward-looking insights to help you make smarter property decisions. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance , Theo Chambers is joined by Phillip Tarrant, Director of Momentum Markets, for a wide-ranging conversation on the evolving landscape of property investment in Australia. Together, they explore how the current economic climate and interest rate environment are influencing investor decisions and shaping demand across both residential and commercial markets. Phillip shares his insights into the growing role of buyers' agents, shifting investor sentiment, and emerging trends in regional and syndicated investments. The discussion also challenges the idea of passive income in property, examines the rise of commercial property as a strategic investment, and highlights key considerations for sophisticated investors navigating a more complex market. They wrap up with a look toward the future—touching on the impact of AI in broking, innovations in property management tech, and lessons from Phillip’s own investment journey. The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

Rents rising faster than property prices: what does it mean for investors? Interest rate outlook and what’s next for borrowers First Home Buyer schemes & their effects Property price forecasts — where are we headed? Why rents are now outpacing property prices Key data insights shaping investor strategy Population growth and the impact on housing & rental prices

In this episode of Property & Finance , Theo Chambers is joined by Martin Lakos, Division Director at Macquarie Bank. Together, they unpack the current state of market volatility and the broader economic trends influencing investment decisions in 2025. Martin provides expert insights into the global ripple effects of Trump’s proposed tariffs and what this means for investor sentiment and international trade. The conversation also explores the economic challenges facing China, its recovery strategies, and how these developments are impacting Australia's export landscape. Shifting focus to the domestic market, they discuss Australia’s inflation trajectory, the outlook for interest rates, and how these factors are shaping monetary policy. Martin also weighs in on the housing market, discussing key demand drivers, government policies, and the future of property prices in a high-inflation environment. The episode concludes with future-facing predictions and commentary on market confidence, helping investors better understand where the economy is headed and how to position themselves accordingly.The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers is joined by Luke Berry, Co-Founder of Thirdi Group. They explore the key drivers shaping Australia’s property market, starting with an overview of Thirdi Group’s background and market focus. Luke breaks down the six fundamental drivers of the property market, including supply and demand dynamics, consumer confidence, and market sentiment. They also discuss the impact of government stimulus, economic conditions, and investment strategies on housing trends. The conversation delves into infrastructure and property development trends, highlighting how major projects influence market movements. Luke shares insights on the rise of social impact investments in housing, exploring how these initiatives are shaping the future of property development.The information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.

In this episode of Property & Finance, Theo Chambers is joined by Rich Harvey, Founder & CEO of Propertybuyer. They explore key strategies for building long-term wealth through property investment, from setting retirement goals and understanding financial targets to leveraging debt and navigating investment roadblocks. Rich shares his insights on building a diversified property portfolio, rebalancing assets, and harvesting equity for passive income. They also discuss countercyclical investing in Melbourne, the importance of patience and long-term thinking, and how to accelerate property accumulation. The conversation wraps up with common mistakes investors make, the cost of procrastination, and practical steps for taking action in today’s marketThe information shared on this podcast is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on this information. Additionally, this podcast may include certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements.