In this episode, Terry Ryder, founder of Hotspotting, joins us to cut through the noise and talk about what actually drives property growth in Australia. With decades of data-backed insight, Terry explains why local economies, not national headlines, shape the real estate market. We unpack why interest rates are overrated, how infrastructure projects signal future hotspots, and why some of the best opportunities right now are outside the major capitals. Terry also shares why apartments are outperforming in key markets and how first-time investors can make smart moves, without waiting for the “perfect” time.

We also dive into high-growth regions, overlooked suburbs, and why investors need to stop chasing trends and start looking forward.

Episode Takeaways:
✅ Interest rates are overrated. The media overplays interest rates. Most property movements are driven by supply, demand, and economic activity, not RBA decisions.
✅ Never sell too early. Terry’s personal regret: selling great properties too soon. Long-term hold strategies build serious wealth.
✅ Ignore the headlines. Media commentary is often sensational and contradictory. Real research beats clickbait.
✅Western Sydney is booming. The new airport and surrounding economic zone are creating long-term opportunities in once-overlooked suburbs.
✅Timing beats hype. The best growth often happens in markets that currently look flat but have strong fundamentals.

Meet Terry Ryder
Terry Ryder is one of Australia’s leading independent property commentators and the founder of Hotspotting, a research platform helping investors identify high-growth locations before they boom. With a background in journalism, including roles at the Australian Financial Review and Courier Mail, Terry has spent over three decades analysing property trends and exposing market myths. His data-backed insights are regularly featured across major media outlets, and his work empowers everyday investors to make informed, forward-focused decisions. Through Hotspotting, Terry continues to guide thousands of Australians in building successful portfolios based on local economies, infrastructure growth, and real-world fundamentals.

Meet The Property Twins
The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Shane Oliver is one of the most respected voices in Australia when it comes to the economy and financial markets. As the Chief Economist at AMP, he’s spent over four decades analysing interest rates, market cycles, and housing trends, earning a reputation for cutting through the noise with clarity and precision.
In this episode, Shane breaks down exactly where we are in the current rate cycle, why affordability in Australia has become worse than ever, and how cities like Melbourne might be poised for a quiet comeback.

We also unpack the growing divide between generations, superannuation changes, the unintended consequences of government policy, and the critical supply issues fueling the housing crisis.

Episode Takeaways:
✅ Rate cuts are here, but relief will be slow
✅ Supply, not demand, is driving the affordability crisis
✅ Melbourne may be the best value market right now
✅ Politics and policy are widening the wealth gap
✅ The RBA doesn’t set interest rates for homebuyers
✅ Property and shares both have a place in your portfolio

Meet Shane Oliver
Shane Oliver is Chief Economist and Head of Investment Strategy at AMP, where he oversees diversified investment funds and provides expert analysis on economic trends and market cycles. With over 35 years of experience, Shane is widely regarded for his clear insights on interest rates, inflation, property, and global markets. He is a sought-after media commentator and a trusted voice in Australian finance, regularly contributing to publications, broadcasts, and investor forums. Shane holds a PhD in economics and brings a deep, research-driven approach to understanding the forces that shape investment outcomes.

Meet The Property Twins
The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.

Margaret Lomas is one of the most respected and influential voices in Australian property investing. As the bestselling author of nine books and founder of Destiny Financial Solutions, she’s spent over two decades educating everyday investors and challenging industry spruikers.

In this episode, Margaret shares how she built a property portfolio from the ground up starting at nearly 40 and why beginners need to ignore the noise and focus on strategy. We dive into how to find and balance cash flow and capital growth, why market timing matters more than people admit, and how to spot red flags in flashy property deals and “free” advice.

Episode Takeaways:

✅You don’t need to choose between cash flow and capital growth
✅Margaret’s “20 Must-Ask Questions” framework for better investing
✅Emotional decisions destroy good investments
✅Regional areas can work but require timing & skill
✅Spruikers are everywhere giving “free” advice
✅Passive income comes later

Meet Margaret Lomas

Margaret Lomas is one of Australia’s most respected property investment experts, with over three decades of experience and a portfolio of more than 35 investment properties. She is the founder of Destiny Financial Solutions and the bestselling author of nine property investment books. Margaret is a passionate advocate for ethical advice in the industry, having co-founded the Property Investment Professionals of Australia (PIPA). A sought-after speaker and media commentator, she has also hosted several property-focused TV shows and podcasts. Margaret is dedicated to educating investors and empowering them with the tools to make informed, independent property decisions.

Meet The Property Twins

The Property Twins, Sana and Mona Ali, are identical twins from Sydney who began investing in real estate at 24, building a $5 million portfolio before turning 30. Driven by a lifelong passion for property, they left corporate roles in 2017 to establish Property Twins, a mortgage broking and buyers agency. Their mission is to help Australian professionals achieve home ownership and build wealth through property investments.