Rates are back in the spotlight… and with them comes the big question:

👉 Should you fix your loan?

In this episode, Ben sits down with mortgage experts Luke Oxenham and Kirsty “KD” Dunphey to unpack what rising interest rates actually mean for:

• Borrowing power
• Mortgage jail
• Fixed vs variable decisions
• Investor strategy in a rising-rate cycle

Because just because the bank says you can borrow it… doesn’t mean you should.

Free Stuff Mentioned

• LIMITED TIME: Free Audiobook – How to Retire on $3K a Week
  If you haven’t started it yet (or you’re halfway through 😉), this is your reminder. The full audiobook is available free on our podcast feed, but only until 18 March. After that, it comes down.
  ⏳ Don’t miss your chance to listen before it disappears.
• 🎧 Exchanges with Evan Lucas: The Inner Workings of the RBA with Sarah Hunter, Chief Economist and Assistant Governor (Economic) at the Reserve Bank of Australia.
• 📊 Breaking News: Capital Gains Tax Reform
• 🏡 Breaking News: Negative Gearing Changes?
• 🌏 International Women’s Day on 8 March!
• 🎙 New Friday Series: The Money Stuff We Don’t Talk About
  We’re launching a brand-new Friday mini-series to help you get to know the Couch Crew a little better! First theme: “The Hill I’ll Die On.”
  👉 Keep an eye out each Friday on your podcast feed.
  

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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With the May 2026 federal budget approaching, rumors of negative gearing changes are reaching a fever pitch. At The Property Couch, we’ve always said you only need 2 to 3 properties to change your life, but how would a formal cap impact your long-term plan? Watch the full video on YouTube here >

Before we get there… Stop the presses! Let’s acknowledge that for the second time in less than a week, we have major breaking news episodes regarding property tax in Australia. Hot on the heels of the Capital Gains Tax debate, we are now looking at a potential "Double Whammy" with new negative gearing reforms currently being modelled by Treasury.

Why is this urgent? The May Budget is just weeks away. We have a very small window of time to ensure the government hears the voice of the everyday investor before these models potentially become policy.

Our Take: Regular listeners of The Property Couch know that we have always advocated for a "less is more" strategy—building a life-changing passive income with just 2 to 3 high-quality properties. On the surface, a "Two-Property Cap" sounds like it aligns with that philosophy and is certainly a better policy than what was proposed in 2019.

But there is a catch. If the government gets the details wrong, they risk spooking the entire market into a dormant state, causing an exodus of rental supply at the exact moment Australia needs it most.

In this special presentation, Ben Kingsley (Chair of PICA) breaks down the data and the "Victorian Warning" to explain why we need an open dialogue with Canberra right now.

Missed our first breaking news update on CGT? Catch it here >

Don't just watch from the sidelines. If you want to protect your financial future and have a say in these policy changes, join PICA. It’s the best investment you can make for your portfolio. 👉 Join here: https://pica.asn.au

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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Is the government about to pull the rug out from under the rental market? 🚨

With housing affordability dominating the headlines, Federal Labor and the Treasury are officially modeling potential changes to Capital Gains Tax (CGT) and Negative Gearing.

Note: This deep-dive presentation was originally produced by Ben Kingsley for the Property Investors Council of Australia (PICA). Given the gravity of these potential tax reforms and how much they impact our community, we knew we had to share it here on The Property Couch. Watch the full video on PICA Here >

Ben cuts through the political spin to analyze the real-world impact of the policies currently on the table. He puts the proposals from Labor, the Greens, the Grattan Institute, and the recent Treasury news on AFR under the microscope to see who passes—and who fails—the ultimate "Supply Test."

In this episode, we cover:

• The #1 Capital Gains Tax Misinformation: What most people are saying wrong?
• The "Crowding Out" Myth: Do investors actually lock out First Home Buyers? (The data says otherwise).
• The 90% Factor: Who is actually building Australia’s new housing stock?
• The Policy Scorecard: Grading the current CGT proposals against the Government’s own objectives.
• The 1999 Fact Check: The real (and forgotten) reason the 50% CGT discount was created.
• The PICA Solution: A balanced, tiered CGT policy that satisfies investors, renters, and the Government.

This is a masterclass in policy and "Economic Darwinism." If you are one of the 2.3 million property investors in Australia, you cannot afford to miss this.

🔗 Resources Mentioned:

• Read PICA’s Policy Document here >
• Join PICA and help us build a stronger voice >

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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Folks, this could be shaping up to be the biggest risk of 2026...

Yep. We’re back with one of our MOST popular episodes of the year, our 2026 Property Market Outlook!

The economy has run hotter than the RBA expected, but higher rates and rising living costs are starting to bite. At the same time, tight supply, strong population growth and government incentives (like the 5% deposit scheme) are continuing to support demand.

So which force wins?

In this deep-dive outlook episode, Ben takes the reins to break down the macro forces shaping the year and what it all means for you.

Then it’s state by state:

• Why Perth’s supply imbalance still underpins growth
• Why Brisbane and Adelaide are more sensitive to investor activity
• Why Darwin is booming...but timing matters
• Why Canberra remains structurally challenging
• Why Hobart runs steady, but population is constrained
• And why Melbourne may be the counter-cyclical opportunity for long-term investors

Understand the signal and ignore the noise. Tune in now!

Free Stuff Mentioned

• 🏡 Free Property Reports Now Available Inside the Moorr App
  There’s no such thing as “the Australian property market”, only thousands of sub-markets.
  
  If you’re making decisions in 2026, don’t rely on headlines. Get suburb-level data, including supply, demand, days on market, vendor discounting and more, all inside the Moorr app.
  
  👉 Download the app and access your free property report today!
  
• Sources mentioned:
  • Cotality
  • Westpac Consumer Sentiment (10 Feb 2026)
  • Australian Bureau of Statistics
  • RBA (Reserve Bank of Australia)
• Guests & Episodes Mentioned:
  • 481 | Property Market Outlook 2024
  • 535 | 2025 Property Market Outlook

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
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Is our off-the-plan bias fair? You be the judge.

In this bonus episode, Bryce & Ben respond to a listener challenge and explain why their data-backed bias against off-the-plan properties exists... and the rare exceptions where it might still make sense.

For the original episode, tune in here: Episode 88 | Investing in Newly Developed Areas, Getting into the Property Market, and Career as a Buyers Agent - Q&A Day

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
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Folks, this is it… Welcome to the very first episode of The Property Couch’s next chapter. 🎉

We’re kicking things off with one of the most important yet misunderstood drivers of financial success, personal growth, and long-term wealth:

Goal setting and more importantly, consistency. 🎯

Joining us on the couch is Brett “Birdman” Burton: Adelaide Crows legend, now a Leadership & Wellbeing Facilitator, alongside KD, a new member of the Property Couch Crew. You can catch her first episode as a special summer series guest here.

If you’re serious about kicking goals this year, this is where you start.

Free Stuff Mentioned

• 💰 Join the Surplus Challenge
  This challenge walks you through the simple, proven steps to take control of your cash flow, free up money each month, and put your money to work with intention.
  👉 Join the challenge here
  
• 🏡 Free Property Reports now available inside the Moorr App.
  👉 Get smarter data, better clarity, and more confident decisions inside the app
  
• LIMITED TIME: Your free Audiobook of How to Retire on $3K a Week
  ⏳ Available for one month only until the 12th March
  👉 Start with Chapter 1: The Goal
  P.S. Or, get your physical copy of the book for free! Just pay $9.95 for shipping. Get your copy now >>

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
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There is no perfect property plan.

Only the one that fits your life.

In the final chapter of How to Retire on $3,000 a Week, Bryce and Ben walk through real-life case studies that show how different Australians apply the same framework in very different ways.

Young families. Singles. Rentvesters. Empty nesters. Career-focused couples. Each starting from a different place, but all work toward the same outcome: Financial peace.

This chapter is not about copying someone else’s strategy; it’s about seeing what is possible when you design a plan that fits your life because the most powerful plan is the one you actually follow.

🎁 FREE for a limited time only as Bryce’s farewell gift. Two chapters daily from 6–12 February. Listen now.

To see how all the pieces fit together:

👉 Download the free supplementary PDF to follow along with the key diagrams, frameworks, and charts that bring the audiobook to life. Simply log in to your Moorr account to access this, along with other free resources now!

👉 Get your FREE copy (Just pay $9.95 for shipping): How to Retire on $3,000 a Week.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

Building wealth is only half the job. Keeping it is what really counts.

In Chapter 13 of How to Retire on $3,000 a Week, Bryce and Ben explain the critical shift from getting wealthy to staying wealthy and walk through the three main ways investors land the plane in retirement.

This chapter is not about chasing more. It is about protecting what you have built, creating sustainable income, and setting yourself up for a life of financial peace and contribution.

Because wealth that lasts is built with intention.

🎁 FREE for a limited time only as Bryce’s farewell gift. Two chapters daily from 6–12 February. Listen now.

To see how all the pieces fit together:

👉 Download the free supplementary PDF to follow along with the key diagrams, frameworks, and charts that bring the audiobook to life. Simply log in to your Moorr account to access this, along with other free resources now!

👉 Get your FREE copy (Just pay $9.95 for shipping): How to Retire on $3,000 a Week.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube