Defence Property Podcast

Federal Budget 2026: What the Property Tax Changes Mean for Investors

Wed, 08 Jul 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Jesse from BBS Tax, a former Australian Army infantry soldier and accountant, to unpack the biggest property tax changes announced in the latest Federal Budget and what they could mean for investors moving forward.

We break down the proposed changes to capital gains tax (CGT), negative gearing, and discretionary trusts, explaining what has changed, why it matters, and how investors can adapt their strategies rather than reacting emotionally.

We also explore the potential flow-on effects for the Australian property market, including investor participation, housing supply, rental affordability, and long-term wealth creation. Whether you're a first-time investor or already building a portfolio, this episode will help you better understand the implications of the new rules and how to plan ahead.

Topics covered:

• Jesse’s journey from Army infantry soldier to founder of BBS Tax
• An overview of the latest Federal Budget property changes
• Why the proposed CGT reforms have created uncertainty for investors
• How the new capital gains tax calculations will work from 2027
• The removal of the 50% CGT discount and introduction of indexation
• The new minimum 30% capital gains tax explained
• Changes to negative gearing on established residential properties
• Why new builds are treated differently under the new rules
• The potential impact on rental supply and affordability
• How investor behaviour could change under the new tax settings
• Why tax should never be the primary reason to invest
• The importance of adapting your strategy instead of reacting to policy changes
• Long-term wealth creation in a changing investment landscape

While the tax rules may be changing, the fundamentals of successful investing remain the same. Understanding how these reforms affect your position — and adjusting your strategy accordingly — is what matters most.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Data vs Emotion: How Smart Investors Actually Choose Property Markets

Wed, 01 Jul 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Mat from HtAG, one of Australia’s leading property data platforms, to unpack how investors can use data to make better decisions — and avoid the costly mistakes driven by emotion, opinion, and media noise.

We explore the key metrics that separate strong investment markets from poor-performing ones, including affordability, supply and demand, inventory levels, hold periods, and market confidence. More importantly, we discuss how these data points work together to tell the story of a market — and why looking at one metric in isolation can lead investors down the wrong path.

This episode is a deep dive into the fundamentals of property research and market selection, making it essential listening for anyone serious about building a portfolio based on evidence rather than speculation.

Topics covered:

• How HtAG was created and why data matters in property investing
• Why data is really a reflection of human behaviour
• The importance of understanding market cycles
• Using 1-year growth data to identify market momentum
• Affordability and why it remains one of the strongest growth indicators
• Why cheaper markets have outperformed in recent years
• Supply vs demand and how property prices are actually created
• Inventory levels and market absorption rates explained
• Why supply scarcity is a key driver of long-term growth
• Hold periods and what they reveal about a suburb
• The risks of buying in oversupplied markets and house-and-land estates
• Understanding confidence levels in property data
• Why low-confidence suburbs can create misleading signals
• Opportunity cost and the hidden cost of buying the wrong asset
• Data-driven investing vs “barbecue advice” and market opinions
• Why professionals often outperform DIY investors

Whether you're buying your first investment property or scaling an existing portfolio, this episode will help you understand how to use data to make smarter, more confident decisions.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Interested in learning more about property data and market analysis? Check out HtAG and their educational resources.

From Army Mechanic to Fitness Entrepreneur: Brodie’s Defence Journey

Wed, 24 Jun 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Brodie Locock, founder of Outperform Fitness and former Australian Army vehicle mechanic, to discuss his journey from a small-town kid in regional New South Wales to building one of Australia’s most recognised Defence fitness coaching businesses.

Brodie shares how he joined the Army after leaving school early, why Defence gave him the structure and purpose he needed and how his passion for fitness eventually evolved into a business helping future Defence members prepare for service.

We also explore the challenges many current and former serving members face when it comes to fitness, motivation and maintaining healthy habits after leaving the military. Whether you're preparing to enlist, currently serving or adjusting to life after Defence, this episode is packed with practical advice and lessons learned from nearly two decades in and around the military environment.

Topics covered:

• Growing up in regional NSW and joining the Army.
• Starting as a reservist before transitioning to full-time.
• Life as an Army vehicle mechanic.
• Serving in units, including the 7th Combat Service Support Battalion, Special Operations Logistics Squadron and 8th Brigade Support Battalion.
• Why fitness became a lifelong passion.
• Building Outperform Fitness from a side hustle into a national business.
• The biggest fitness mistakes current serving members make.
• Why more training isn’t always better training.
• The importance of strength and recovery for Defence personnel.
• Maintaining fitness and motivation after leaving Defence.
• Common mistakes Defence applicants make before enlistment.
• How structured training improves performance and reduces injury risk.
• Advice for anyone preparing for basic training or Defence recruiting fitness tests.
• The role of coaching, accountability and goal setting in long-term success.

Whether you're preparing to join the Defence Force, trying to improve your performance while serving or looking to stay fit after transitioning out, this episode provides valuable insights from someone who has experienced all three stages first-hand.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Interested in improving your fitness or preparing for Defence entry? Check out Outperform Fitness on YouTube and Instagram.

From Army Mechanic to a $3M+ Property Portfolio: Benjamin’s Defence Investing Journey

Wed, 17 Jun 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Benjamin Welsh, a former Australian Army vehicle mechanic who turned an Afghanistan deployment into the foundation of a multi-million-dollar property portfolio.

Ben shares how he purchased his first home while serving, using deployment savings and Defence housing entitlements to get into the market sooner. What started as a simple owner-occupier purchase eventually evolved into a strategic property portfolio spanning multiple states and valued at more than $3 million.

We also discuss the realities of investing while serving, managing interstate properties, dealing with nightmare tenants, and why market selection can make a bigger difference than most investors realise.

If you're a current or former Defence member looking to build wealth through property, Ben’s story is packed with practical lessons, hard-earned experience, and valuable insights.

Topics covered:

• Growing up in a Defence family and joining the Army
• Serving as a vehicle mechanic and deploying to Afghanistan
• Using deployment savings to buy a first property
• How HPAS and DHOAS helped accelerate his property journey
• Buying a principal place of residence while serving
• Turning an owner-occupied home into an investment property
• Lessons learned from a nightmare tenant experience
• Transitioning from Defence into civilian employment
• Selling, upgrading, and building a larger family home
• Why Ben chose to work with a buyer’s agent
• Building a portfolio across multiple states
• Townsville and regional market success stories
• The importance of market selection and timing
• Why opportunity cost is one of the biggest risks investors face
• Ben’s thoughts on property investing in today’s market

Today, Ben’s portfolio sits at more than $3 million in value: a result of consistent action, long-term thinking, and making the most of the opportunities available to Defence members.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

DVA Claims Explained: What Every Defence Member Should Know Before They Discharge

Wed, 10 Jun 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Zach Plath, co-founder of VetComp and former Australian Army infantry soldier, to unpack one of the most misunderstood topics in the Defence community — DVA claims and veteran compensation.

Zach shares his journey from serving in the Army to building one of Australia’s fastest-growing veteran advocacy businesses, helping thousands of current and former Defence members navigate the DVA claims process.

We discuss the common myths that stop people from claiming, why waiting can cost veterans both time and money and how compensation, medical support, and long-term benefits can play a significant role in a veteran’s financial future.

For serving members, this episode provides valuable insight into the importance of documenting injuries early, understanding your entitlements, and avoiding the misinformation that can circulate within Defence.

Topics covered:

• Zach’s journey from infantry soldier to VetComp co-founder
• What VetComp does and how it supports veterans
• Why many Defence members delay DVA claims (and why they shouldn’t)
• Common myths around compensation and medical discharge
• The importance of reporting injuries while serving
• How the DVA claims process actually works
• Current serving members vs veterans: who can claim?
• Age-adjusted compensation and why timing matters
• Understanding White Cards and Gold Cards
• Mental health support available through DVA
• Long-term medical and financial benefits veterans may be entitled to
• How veterans are using compensation payments to improve their future
• Practical advice for Defence members preparing to separate

Whether you're currently serving, transitioning out of Defence or have been out for years, this episode provides important information that could help you better understand your entitlements and make more informed decisions about your future.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Military Discipline Meets Property Investing: The Strategy Most Investors Ignore

Wed, 03 Jun 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we explore a topic we’ve never covered before: how military discipline, planning and decision-making frameworks can be applied to building a successful property portfolio.

Host Kane Dury sits down to discuss the lessons learned from nearly 13 years in the Australian Army, building a multi-property portfolio and helping Defence members navigate the often-complex world of property investing.

With market sentiment shifting, interest rates remaining a hot topic and headlines dominated by uncertainty, this episode focuses on the fundamentals that matter most: strategy, patience, process and execution.

We also discuss some of the biggest mistakes investors make, why time on the sidelines can be incredibly costly and how Defence members can use their unique experience and mindset to create long-term financial success.

Topics covered:

• Applying military planning and discipline to property investing
• Why strategy should come before market selection
• Building and scaling a property portfolio over time
• Supply, demand and the real drivers of Australian property prices
• Why market sentiment often creates opportunity
• The dangers of constantly changing your investment strategy
• Time in the market vs timing the market
• Lessons learned from buying, holding and selling property over 20 years
• Common investor mistakes that can cost hundreds of thousands of $
• The true cost of waiting on the sidelines
• Using Lenders Mortgage Insurance (LMI) as a strategic tool
• How Defence members can leverage their unique advantages
• Why patience is one of the most valuable investing skills

Whether you're buying your first investment property or working towards a larger portfolio, this episode will help you think more strategically about your property journey and avoid many of the mistakes investors often make along the way.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

22, Infantry Soldier, $100K Equity Gain in 10 Months: Kacy’s Property Story

Wed, 27 May 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Kacy, a 22-year-old serving infantry soldier in the Australian Army, to unpack how he purchased his first investment property and built over $100,000 in equity in less than a year.

Kacy shares how growing up around business and property sparked his interest in investing, why he chose the rentvesting strategy instead of buying a home in Brisbane and how getting clear guidance helped him move from “thinking about it” to actually taking action.

We also discuss buying with a 10% deposit, using Lenders' Mortgage Insurance (LMI) as a tool to enter the market sooner and balancing property investing with the realities of Defence life, including field exercises, courses and deployments.

If you’re currently serving and waiting for the “perfect time” to buy, Kacy’s story is a powerful reminder of how costly delays can be when opportunity is right in front of you.

Topics covered:

• Kacy’s journey from school leaver to serving infantry soldier
• Growing up around business and property investing
• Why he chose rentvesting over buying in Brisbane
• The importance of having a clear property strategy
• Buying his first investment property with a 10% deposit
• Using LMI to get into the market sooner
• Managing the buying process while in the field
• Purchase price, rental income and early performance
• Building more than $100K in equity in under 12 months
• Opportunity cost and why waiting can be expensive
• Leveraging equity for future property purchases
• Kacy’s advice for young Defence members wanting to invest

Whether you're a new recruit, a junior soldier or someone who has been putting off buying a property for years, this episode offers practical lessons on taking action and building long-term wealth while serving.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Australian Property Market 2026: Interest Rates, Housing Crisis & Where Growth Is Next

Wed, 20 May 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Terry Ryder from Hotspotting to unpack what’s really happening across the Australian property market: from interest rates and inflation to supply shortages and the next growth regions investors should be watching.

We discuss the impact of rising rates, government policy, migration, and global instability on Australian real estate, and why local supply and demand fundamentals still matter far more than media headlines.

Terry also shares his thoughts on where investor activity is shifting around the country, why some previously “hot” markets may be cooling, and which regions are beginning to show early signs of recovery and opportunity.

This episode is packed with insights for investors trying to cut through the noise and make smarter long-term decisions in a changing market.

Topics covered:

• Why global events rarely impact Australian property the way headlines suggest
• Interest rates, inflation, and the Reserve Bank outlook
• The real driver behind Australia’s housing crisis
• Supply shortages vs growing population demand
• Why first-home buyer incentives may be worsening affordability
• Construction costs, red tape, and land banking explained
• Proposed changes to capital gains tax and negative gearing
• Why lower-priced markets are becoming more competitive
• Perth, Brisbane & regional Queensland market updates
• Melbourne, regional Victoria & Canberra recovery signs
• Darwin market risks and “artificial demand” concerns
• Newcastle & the Hunter region long-term outlook
• Why research and quality advice matter more than ever

Whether you’re buying your first property or building a portfolio, this episode will help you better understand the forces shaping Australia’s property market in 2026.

Want help building your own property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Global Recession, AI & Inflation: What Happens to Property Next?

Wed, 13 May 2026 04:00:00 +1000

In this episode of the Defence Property Podcast, we sit down again with Chris Tipper from Ainslie Wealth to unpack the rapidly changing global economic landscape and what it could mean for property, inflation, interest rates, and the future of investing.

We dive into the macroeconomic forces shaping Australia and the world right now, including global conflict, rising debt levels, money printing, inflation, and the growing impact of AI on jobs and productivity.

This conversation explores why governments may have no choice but to continue debasing currency, why hard assets matter more than ever, and how artificial intelligence could dramatically reshape employment, investing, and wealth creation over the next decade.

If you want to better understand the bigger picture behind property prices, inflation, and the future economy, this episode is packed with insights and thought-provoking discussion.

Topics covered:

• The global macro environment and current economic risks
• War, oil supply disruptions, and inflation pressures
• Why governments keep “turning the money printer back on”
• Could a global recession still be coming?
• Why debt levels limit future interest rate rises
• The long-term impact of currency debasement
• Why hard assets outperform during inflationary periods
• Property, Bitcoin, gold & silver as inflation hedges
• The real inflation rate vs official CPI numbers
• AI’s impact on productivity, jobs, and the economy
• How AI could reshape white-collar employment
• The risks and opportunities AI creates for investors
• Why adaptability and education matter more than ever

This episode is less about headlines and more about understanding the systems driving the economy underneath them.

Want help building a strategy in changing market conditions?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Bitcoin vs Property: Which Builds Wealth Faster in 2026?

Wed, 06 May 2026 09:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Chris Tipper, Chief Economist at Ainslie Wealth, to break down one of the most debated topics in investing right now: Bitcoin vs property.

This conversation dives into the pros, risks, and realities of both asset classes, and how they can (and arguably should) work together in a modern investment portfolio. From volatility and leverage to long-term wealth building and financial security, we explore what each asset offers and where they fall short.

Whether you’re a seasoned investor or just starting out, this episode will challenge your thinking around diversification, strategy, and how to position yourself for the future.

Topics covered:

• What Bitcoin actually is (simple explanation)
• Why Bitcoin has been the best-performing asset in recent years
• Fixed supply vs property supply and why it matters
• Volatility: risk vs opportunity in Bitcoin
• Why property still provides long-term stability
• Leveraging property vs liquidity in crypto
• Can you use Bitcoin to enter the property market?
• Borrowing against Bitcoin vs selling (tax implications)
• The role of diversification (and when it doesn’t work)
• Why market selection matters more than the asset class
• Real-world examples of getting property right vs wrong
• The future of lending using crypto-backed assets

This episode isn’t about choosing one over the other — it’s about understanding how both can play a role in building long-term wealth.

Want help building your own strategy?
Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

5 Property Decisions Quietly Costing You $100K+ (Most Investors Miss These)

Wed, 29 Apr 2026 10:00:00 +1000

In this episode of the Defence Property Podcast, we break down five common property decisions that quietly cost investors hundreds of thousands of dollars over time without them even realising it.

Most people don’t lose money in property through dramatic mistakes. Instead, it’s the small, everyday decisions — waiting too long, listening to the wrong advice, or choosing the wrong asset — that create massive gaps in long-term outcomes.

We unpack how opportunity cost works in real estate, and why two investors with the same budget can end up in completely different financial positions based on a handful of decisions made early on.

If you’re serious about building a portfolio, this episode will help you avoid the hidden traps that hold most investors back.

Topics covered:

• The “waiting game” and why timing the market often backfires
• Bigger deposit vs getting in sooner (LMI explained)
• Why free advice can be the most expensive advice
• The impact of choosing the wrong property market
• Supply, demand, and why some markets outperform others
• Buying the wrong asset (and how it limits long-term growth)
• House vs land value and why it matters
• The risks of off-the-plan and house & land packages
• Overpaying and not understanding true market value
• Emotional buying and how agents use it against you
• How small decisions compound into $100K+ outcomes

Whether you’re buying your first property or scaling a portfolio, understanding these mistakes can save you years of lost growth and missed opportunity.

Want help building a smarter property strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Australian Property Market Update April 2026: What the Data Really Means

Wed, 22 Apr 2026 06:00:00 +1000

In this episode of the Defence Property Podcast, Kane breaks down the latest Australian property market data and what’s actually happening beneath the headlines.

With Australia’s residential market now valued at $12.6 trillion, property continues to dominate household wealth but the conditions in 2026 are shifting. While annual growth has been strong, the market is beginning to slow, creating very different opportunities depending on where and what you buy.

We unpack the latest numbers from CoreLogic and explain what they mean for investors, including where the market is still running hot, where it’s cooling, and where the real opportunities are emerging.

This episode is essential listening if you’re trying to understand how to navigate a changing market and make smarter buying decisions in 2026.

Topics covered:
• Australia’s $12.6 trillion property market explained
• Annual growth vs slowing quarterly momentum
• The shift from a boom market to a stabilising one
• “Two-speed” markets: where prices are still rising fast
• Perth, Brisbane, Adelaide vs Sydney & Melbourne trends
• Why Melbourne may present a window of opportunity
• Entry-level properties outperforming higher-end markets
• Supply shortages and why prices remain elevated
• Auction clearance rates and what they signal for buyers
• Why negotiation strategy matters more in 2026
• Regional vs capital city performance
• How to adapt your strategy based on market conditions

Whether you’re actively investing or still on the sidelines, this episode will help you understand what’s happening in the market and how to position yourself moving forward.

Want help building or adjusting your property strategy?
Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

27, Infantry Soldier, 3 Properties: How Callan Built a $1.6M Portfolio

Wed, 15 Apr 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Callan — a 27-year-old serving infantry soldier — to unpack how he built a three-property portfolio worth approximately $1.6M while still actively serving.

From saving his first $65K deposit during COVID deployments to buying interstate while posted across Australia (and even settling a deal from a Navy ship), Callan shares the real, behind-the-scenes journey of getting started early and staying consistent.

We break down his first purchase in Perth, how that property nearly doubled and unlocked future opportunities, and how he continued to scale into Townsville and regional Victoria. We also dive into how he manages three properties, builds buffers, and balances investing with the unpredictable Defence lifestyle.

If you’re currently serving and think postings, courses, or deployments are holding you back, this episode will challenge that mindset and show what’s possible with the right approach.

Topics covered:
• Callan’s background in property growing up
• Saving $65K and buying his first property at 22
• First purchase: Perth property and strong early growth
• Buying interstate while posted in different locations
• Building a 3-property portfolio while serving full-time
• Using savings vs equity across multiple purchases
• Managing cash flow, tenants, and multiple offsets
• Why Defence life can actually accelerate investing
• The importance of buffers and planning for maintenance
• Overcoming fear and taking action (even on deployment)
• Callan’s long-term goal: $80–100K passive income

Whether you’re just starting out or already own a property, this episode is packed with practical insights and real-world experience from someone doing it right now.

Want help building your own strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

First Posting, First Property: What Every Defence Member Needs to Know

Wed, 08 Apr 2026 06:00:00 +1000

In this episode of the Defence Property Podcast, we break down one of the most important financial decisions a Defence member can make early in their career, whether to buy their first property before 25.

Using real-world scenarios, we compare two paths: starting early vs waiting until later. Through the “Jake vs Sam” example, we show how time, compound growth, and leverage can create a massive difference in long-term wealth, even when both people earn similar incomes.

We also dive into why Defence members are uniquely positioned to build a property portfolio faster than most Australians, thanks to stable income, entitlements, and lifestyle advantages if they use them correctly.

This episode is packed with practical advice for anyone at their first posting (or even those starting later) who wants to take control of their financial future and avoid the common mistakes that hold most investors back.

Topics covered:

• Why buying before 25 can dramatically change your financial future
• The power of compound growth (Jake vs Sam breakdown)
• How starting late impacts deposits, debt, and portfolio growth
• Why most investors never move beyond 1–2 properties
• Defence advantages: DHOAS, rent assistance, stable income
• How to save faster using base living and allowances
• The biggest excuses holding Defence members back (and how to overcome them)
• Why your first property doesn’t need to be your dream home
• Capital growth vs yield and what actually builds wealth
• Simple strategies to scale a portfolio without overcomplicating it

If you’re early in your career — or even if you feel like you’ve started late — this episode will give you the clarity and direction to move forward.

Want help building your own strategy?

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

Why Most Investors Never Get Past 2 Properties (And How To Break Through)

Wed, 01 Apr 2026 05:00:00 +1000

In this episode of the Defence Property Podcast, we break down why most Australian property investors never get beyond one or two properties — and what separates the small percentage who successfully build larger portfolios.

We walk through the real process behind scaling a portfolio, including strategy planning, borrowing capacity, market selection, due diligence, and negotiation. This episode is not about hype — it’s about the practical steps required if you want to move past the common sticking point where most investors stop.

We also discuss why the number of properties you own doesn’t always equal a better portfolio, how buying the wrong asset can hold you back for years, and why having a clear plan is critical for Defence members who move regularly and have more complex lending situations.

Topics covered:

• Why 92% of investors never get past 1–2 properties
• Quality vs quantity in a property portfolio
• The importance of having a clear investment strategy
• How borrowing capacity shapes your buying decisions
• Choosing the right market instead of buying where you live
• On-market vs pre-market vs off-market opportunities
• Due diligence mistakes that can cost thousands
• How to work out fair market value before negotiating
• Why conditions can win deals — not just price
• How Defence members can plan around postings and lifestyle changes

If you want help building a clear property strategy based on your situation, we can help.

Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

From Infantry to Investor: How James Built Equity Fast After Leaving Defence

Wed, 25 Mar 2026 06:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with James, a former Australian Army infantry soldier who transitioned into defence contracting and used property investing to change his financial future.

James shares how growing up in a remote farming family shaped his mindset around money, why he became obsessed with financial education after leaving the Army, and how he saved aggressively to fund his first purchase. We break down his first deal in Western Australia, the risks he didn’t expect with a house-and-land package, and how that property grew enough equity to help him buy again.

We also talk about using DHOAS, working with the right broker, and why building a strong team around you matters if you want to avoid costly mistakes. If you’re currently serving or planning your exit from Defence, this episode is full of practical lessons on saving, strategy, and taking calculated risks early.

Topics covered:

• Transitioning from infantry to civilian career and contracting
• Saving $70K by living cheaply and working remotely
• First purchase: house-and-land in WA and lessons learned
• Using equity to fund the second property
• How DHOAS can help Defence members buy sooner
• The importance of education, brokers, and due diligence
• Long-term plan: moving from residential to commercial property
• James’ top tips for young Defence members starting out

Want help building your own property strategy?
Website: https://www.discoverbuyersagency.com.au/
Facebook: https://www.facebook.com/kanedury
Instagram: @discoverbuyersagency

The Moment Your Portfolio Stalls (And What To Do Next)

Wed, 18 Mar 2026 08:00:00 +1000

Tom is 22, serving in the Australian Army, and already holds two investment properties. But now he has hit a common wall for young investors: borrowing capacity.

In this follow-up episode of the Defence Property Podcast, we unpack what happens next when you are capped by the banks. Do you sell and restructure? Buy in a trust? Wait for growth? Or change careers to increase income?
We break down the real options available to Defence members when scaling a portfolio becomes harder than buying the first two properties.

In this episode:

•What to do when your borrowing capacity is maxed
•Selling one property to buy in a trust structure
•Why choosing the right broker early matters
•The role of career income in portfolio growth
•When a self-managed super fund could make sense
•Why having a clear long-term plan changes everything

Tom also shares why he is considering a career change to accelerate income, and how that decision ties directly into building a larger portfolio over the next 10 to 15 years.

If you are serving in Defence and wondering how to move from property two to property three, this episode outlines the strategic thinking required.

To discuss your own situation, reach out to Discover Buyers Agency via our website or social channels.

22, Army Truckie, 2 Properties: How Tom Did It in 18 Months

Wed, 11 Mar 2026 12:00:00 +1000

In this episode of the Defence Property Podcast, we sit down with Tom, a 22-year-old current serving Australian Army member, to unpack how he built a two-property portfolio in under two years.

Tom shares the real story behind his early start, including the book that changed his mindset (Rich Dad Poor Dad), how he saved around $60K, and why he chose to buy in areas others told him to avoid. We also break down how he structured both purchases at 90% LVR, why he used a mortgage broker, and how he negotiated a lease extension to help protect his Defence housing entitlements.

If you are serving and want to invest without wasting your downtime, this episode is packed with practical lessons on education, action, and building the right team around you.

Topics covered:

•First investment purchase and what Tom paid vs rent now
•Keeping entitlements in mind when buying near base
•Using LMI to get into the market sooner
•Managing two properties with a simple spreadsheet system
•Tom’s top 3 tips for young Defence members

Want to chat about your own strategy? We’re here to help.

Website: https://www.discoverbuyersagency.com.au/

Facebook: https://www.facebook.com/kanedury

Instagram: @discoverbuyersagency

What 21 Years in the Navy Really Teaches You

Wed, 04 Mar 2026 08:00:00 +1000

In this episode of the Defence Property Podcast, Kane sits down with Meaghan, a Chief Petty Officer with 21 years in the Navy, to unpack a real defence story of service, family, relocation and buying property through the posting cycle.

We cover what Megan wishes she knew earlier, how she navigated big career decisions, and the reality of buying a home while balancing postings, schools and timing. If you are serving in the ADF and weighing up property, entitlements, or your next move, this one is for you.

In this episode:

•Meaghan’s Navy journey and why she rejoined after discharging
•The pros and cons of buying in high-cost markets like Sydney
•Buying a first home in Nowra, then relocating to Queensland
•How HPAS can help, and why many members do not use it early enough
•The stress of buying and selling around posting timelines, plus what helped most
•Transition plans: moving to Reserves, starting a business, and staying connected after service
•Practical advice for younger members: ask questions, use your network, and do not ignore entitlements

If you want to learn more about buyers agency support for ADF members, reach out via Discover Buyers Agency.

Subscribe for more episodes on property, relocation, and wealth building for Defence families.

Are You Overpaying Tax in the ADF? Here’s What to Check

Wed, 25 Feb 2026 10:00:00 +1000

Tax in Defence can get complicated fast. Allowances, postings, DoHAS, rental properties, and Medicare exemptions are often misunderstood, and that can cost you real money.

In this episode of the Defence Property Podcast, Kane is joined by Carla McDonald, founder of Duty First Tax (built by veterans, for veterans). Carla breaks down the tax basics Defence members actually need, plus the common mistakes she sees every year.

This episode is general education only and not personal tax or financial advice. Always seek independent advice for your situation.

What you’ll learn:

•Why Defence members often get the wrong tax guidance
•The “tax refund” myth and what tax time really is
•How DHOAS, HPAS and HPSEA are treated for tax (and what trips people up)
•Record-keeping systems that survive postings and relocations
•Overlooked deductions Defence members commonly miss (including Medicare levy issues)
•What changes when your home becomes a rental property after posting
•The main residence exemption and the six-year rule (and why planning matters)
•Depreciation reports, when they help, and what happens when you sell

Want more Defence-specific guidance? Connect with Duty First Tax or the Discover Buyers Agency via their websites and socials.

5 Proven Ways to Increase Your Borrowing

Wed, 18 Feb 2026 10:00:00 +1000

Welcome to the Defence Property Podcast, where we share practical property and finance strategies for Australian Defence Force personnel.

In this episode, Kane is joined by Ben from Ironbark Group, Mortgage Broker and Director, to unpack five proven strategies to increase your borrowing capacity — particularly important as interest rate expectations shift and lending conditions become tighter.

In this episode, we cover:

• Why now is a smart time to review your mortgage as rate hike expectations increase
• How ownership structures (trusts, companies, SMSFs, and joint ventures) can improve borrowing capacity when used correctly
• Why unused credit cards, Afterpay/ZipPay, and small debts can significantly reduce what banks will lend you
• How pay rises, promotions, or changing jobs can boost serviceability sooner than many people realise
• When a second income or side hustle helps, and what lenders actually look for
• How reviewing everyday expenses can meaningfully improve borrowing power

Ben also shares a simple rule of thumb: an extra $10,000 in income can add roughly $50,000 to your borrowing capacity, depending on your overall position and lender policy.

If you’re planning your next purchase or want clarity on your borrowing options, this episode provides a practical framework to help you move forward with confidence.

📌 Want tailored advice?
Reach out to Discover Buyers Agency to discuss your strategy and next steps.

https://www.discoverbuyersagency.com.au/

Subscribe to the podcast for more Defence-specific property and lending insights.

Biggest Property Myths

Wed, 11 Feb 2026 07:00:00 +1000

Property investing in Australia is full of advice that sounds right, but quietly leads people in the wrong direction. In this episode of the Defence Property Podcast, Kane and Nadia unpack the biggest property investing myths and explain why they keep showing up at BBQs, in the media, and across the property “guru” world.

They break down what’s actually true, what’s only half true, and what investors should focus on instead if they want to build a portfolio based on solid fundamentals (not hype, commissions, or wishful thinking).

In this episode, we cover:
• Why “you make money when you buy” is only part of the story
• The risk of chasing capital growth without considering cash flow and serviceability
• Why negative gearing and depreciation don’t fix a bad asset
• The truth about new builds, developer incentives, and land-to-asset ratios
• Why limiting yourself to investing where you live can hold you back
• The reality that property isn’t fully passive, even with a property manager
• Why the second and third purchases are often harder than the first, and how to plan for it

If you’re serious about investing long-term, this episode is a practical reminder to replace emotion with strategy, process, and decades-long thinking.

📌 Want support building a clear plan and buying with confidence?
Reach out to Discover Buyers Agency and book a free discovery call via our website or socials.

Subscribe for more Defence-focused property insights and portfolio strategy episodes.

📌 Learn More or Connect with Us

Website: https://www.discoverbuyersagency.com.au/

Instagram: @discoverbuyersagency

Facebook: https://www.facebook.com/kanedury

Before You Sign Anything: The Investor’s Non-Negotiable Checklist

Wed, 04 Feb 2026 07:00:00 +1000

Most property mistakes don’t happen after settlement; they happen before you even sign the contract. In this episode of the Defence Property Podcast, Kane and Nadia break down the 7 must-check items every investor should run through before buying (whether it’s your first investment or you’re building a portfolio).

This isn’t theory, it’s a repeatable framework designed to help you avoid the common traps, remove emotion from decisions, and buy assets that actually support long-term wealth.

✅ In this episode, you’ll learn how to check:

Market fundamentals (beyond “headline growth” and media hotspots)
Supply risk (zoning, density, building approvals, stock on market + inventory)
Cash flow reality (true numbers, buffers, vacancy allowances not agent projections)
Property-level due diligence (flood/bushfire overlays, main roads, easements, red flags)
Rental demand quality (who rents there, how stable demand is, and why vacancy matters)
Exit strategy (even if you “never plan to sell”)
Strategic fit (buying the right properties in the right order for your plan)

If you want to invest with confidence and build a portfolio that performs without unnecessary risk, this is the checklist to start using.

📌 Learn More or Connect with Us

Website: https://www.discoverbuyersagency.com.au/

Instagram: @discoverbuyersagency

Facebook: https://www.facebook.com/kanedury

The Questions Smart Buyers Ask Agents

Wed, 28 Jan 2026 08:00:00 +1000

Most buyers ask agents the same surface-level questions… and wonder why they miss out (or overpay). In this episode of the Defence Property Podcast, Kane sits down with Nadia to break down the smarter questions buyers ask and how understanding an agent’s campaign can completely change your buying strategy.

They unpack the real difference between on-market, pre-market, soft-market and off-market opportunities, and why “off-market” isn’t automatically a better deal. You’ll also learn how experienced buyers read open home traffic, assess agent behaviour, and know when to move fast (and when to hold your position).

Plus, they walk through the non-negotiable due diligence checks that eliminate bad deals early, including flood/fire risk, public housing pockets, main road exposure, easements, zoning, and other hidden deal-breakers that can impact resale and long-term growth.

If you’re buying your first home or building a property portfolio (especially in competitive markets), this episode will help you approach agents with confidence and make cleaner decisions under pressure.

📌 Connect with Discover Buyers Agency
Website: https://discoverbuyersagency.com.au
Instagram / Facebook / YouTube: @DiscoverBuyersAgency

Buying Property Isn’t About Saving More It’s About Structuring Better

Wed, 21 Jan 2026 08:00:00 +1000

Buying property isn’t just about saving a bigger deposit. For many Defence members and first-time buyers, it’s about structuring smarter and using the right lending pathway.

In this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury sits down with Ben from Ironbark, a mortgage broker who helps first property buyers and investors across Australia. They break down why a proper, bank-assessed pre-approval matters, how the 5% First Home Guarantee Scheme can help eligible buyers avoid LMI and access sharper rates, and what banks really look for when assessing genuine savings (including when a rental ledger can help).

They also cover guarantor loans (and the biggest myths around them), the Defence advantage of rent-vesting, and the common traps that can reduce borrowing power, like Afterpay/Zip accounts, gambling transactions, and spending habits shown on bank statements.

📌 Learn More or Connect with Us
Website: https://www.discoverbuyersagency.com.au/
Instagram: @discoverbuyersagency
Facebook: https://www.facebook.com/kanedury

Why Cash Is Quietly Making You Poorer

Wed, 14 Jan 2026 08:00:00 +1000

Most Australians assume that saving cash is “playing it safe” but in reality, cash can quietly lose purchasing power year after year.

In this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury is joined by Chris Tipper, Chief Economist at Ainslie Group, to unpack the global macro environment and explain why inflation, debt, and government policy are reshaping the way wealth is built and preserved.

Chris breaks down the idea of global liquidity (how much money is “sloshing around” the system), the shift from monetary policy (interest rates) to fiscal policy (government spending), and why asset price inflation often outpaces wage growth. They explore the difference between money and fiat currency, why hard assets tend to hold value over time, and how property, gold, and Bitcoin each fit into a broader “store of value” framework.

The conversation also connects these macro themes back to everyday decisions, including what this means for defence members, first home buyers, and investors trying to get ahead in an environment where cash savings can fall behind rising asset prices.

📌 Learn More or Connect with Us
Website: https://www.discoverbuyersagency.com.au/
Instagram: @discoverbuyersagency
Facebook: https://www.facebook.com/kanedury

Why Property Prices Keep Rising (and Where the Smart Money Is Going Next) with Terry Ryder

Wed, 07 Jan 2026 13:00:00 +1000

Property markets don’t move because of headlines; they move because of fundamentals.

On this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury is joined by Terry Ryder, founder of Hotspotting, to unpack what truly drives property growth across Australia and where investors should be focusing heading into 2026.

With nearly two decades of research experience, Terry explains why affordability, infrastructure investment, and supply constraints consistently outperform hype-driven growth corridors. The discussion explores why regional markets have outperformed capital cities, the risks of high-supply development areas, and why population growth alone can be misleading without strong demand fundamentals.

The episode also covers emerging trends in units and townhouses, the impact of government policy and infrastructure spending, and practical insights into defence-relevant locations including Townsville, Darwin, Southeast Queensland, Perth, Adelaide, Melbourne, and key regional hubs.

Whether you’re a first-home buyer trying to decide when to enter the market or an investor aiming to avoid market frenzies and buy at the right stage of the cycle, this episode delivers clear, experience-backed guidance.

📌 Learn More or Connect With Us
Website: https://www.discoverbuyersagency.com.au/
Instagram: @discoverbuyersagency
Facebook: https://www.facebook.com/kanedury

5 Key Metrics to Consider Before Buying

Fri, 02 Jan 2026 12:00:00 +1000

Choosing the right suburb can be the difference between a portfolio that grows effortlessly and one that stalls for years.

On this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury breaks down the five key metrics every investor should analyse before purchasing in a new area. Drawing from his own early investment mistakes, including a property that didn’t grow for 15 years, Kane explains why understanding the national landscape, suburb-level data and market cycles is essential to building long-term wealth.

From data confidence and cycle timing to affordability, supply-and-demand pressure, inventory levels, building approvals and trend movements across local markets, Kane unpacks the fundamentals that separate high-performance regions from those likely to underdeliver. With more than 17,000 suburbs across Australia, knowing how to assess an area properly can dramatically improve investment outcomes.

Wealth planning and real estate with Rob from Millennial Wealth

Wed, 24 Dec 2025 07:00:00 +1000

Building long-term wealth can feel overwhelming, especially when you're trying to juggle property, shares, budgeting, and Defence-specific benefits.

In this episode of the Defence Property Podcast, Kane is joined by former artillery soldier turned financial adviser Rob Creighton, founder of Millennial Wealth. Rob shares how he transitioned from the military into financial planning and now helps everyday Australians.

Together, Kane and Rob unpack:
• How property and shares work together in a balanced wealth plan
• Why leverage makes property so powerful
• The pros and cons of rentvesting vs buying your first home
• Budgeting frameworks that actually work (and where most people go wrong)
• How banks assess your spending before pre-approval
• Defence schemes, first-home incentives, and why some policies push prices up
• The realities of buying property through an SMSF: benefits, rules, and risks
• Market outlook, interest rates, and why waiting for “the dip” rarely pays off

Whether you're saving for your first deposit, planning your next move, or exploring long-term strategies like SMSFs, this episode gives you practical guidance tailored to the defence community.

Why house & land or off the plan purchases are inferior investments

Wed, 17 Dec 2025 07:00:00 +1000

While many buyers are attracted to the idea of building new, house and land packages often fall short when it comes to long-term investment performance.

On this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury breaks down why buying off-the-plan or opting for a brand-new house and land package is generally an inferior strategy compared to purchasing established property. Drawing on supply-and-demand fundamentals, land value behaviour, and real examples from markets like Sydney’s eastern suburbs and western Sydney, Kane explains how land scarcity drives true capital growth and why new builds often fail to keep pace.

Kane also explores the hidden premiums built into new developments, the impact of declining dwelling value over time, and how marketing commissions can inflate purchase prices. With thousands of suburbs across Australia to choose from, understanding these factors is essential to selecting a high-performing investment rather than relying on glossy brochures or sales campaigns.

📌 Learn More or Connect with Us
Website: https://www.discoverbuyersagency.com.au/
Instagram: @discoverbuyersagency
Facebook: https://www.facebook.com/kanedury

Legal considerations when buying site unseen

Wed, 10 Dec 2025 08:00:00 +1000

Buying a property sight unseen is more common than ever but it’s also where many buyers unknowingly take on the biggest risks.

On this episode of the Defence Property Podcast, Discover Buyers Agency’s Kane Dury is joined by Mary from MNM Property & Commercial Lawyers, who shares the legal traps she sees buyers fall into across residential, commercial and industrial transactions. With years of experience navigating contracts, disputes, special conditions, and complex due diligence, Mary breaks down the hidden issues that can arise long before settlement.

From misleading photos to undisclosed defects, from special levies to neighbour disputes, Mary explains how the right legal advice can protect buyers from costly surprises. She also sheds light on the difference between a conveyancer and a solicitor, and why having a lawyer involved before signing a contract can make all the difference when things don’t go to plan.

If you’d like expert guidance when purchasing a property—whether in person or sight unseen—Discover Buyers Agency is here to help.

👉 Learn more or get in touch: https://www.discoverbuyersagency.com.au/contact-us/

Striking out solo