The SMSF Borrowing Ban Is Now In Effect

Most investors wait until the market feels safe before they act. By that point, the opportunity has already moved on. In this episode of the Positive Property Show, George Markoski and Christina Markoski go through what is sitting in the market right now and why most Australians will wait until it is too late to act on it. George covers the property clock in depth and makes the case for Melbourne as the current buying opportunity, sitting at the same position on the clock that Perth, Brisbane, and Adelaide occupied before each of those markets ran. He separates risk from discomfort clearly: falling prices, negative headlines, and low confidence are discomfort. Weak fundamentals, poor asset selection, and buying without a strategy are risk. The two are not the same, and confusing them is the most expensive mistake most investors make. He also covers the Ray White warning that the budget's tax changes risk pushing rents up by nearly a third, explains why rents have risen 55% since 2020 against wage growth of just 26%, and explains the counterintuitive relationship between falling prices and housing supply: when prices drop below the cost of development, developers stop building, which makes the undersupply worse and eventually pushes prices back up. In this episode: The property clock explained: why the best time to buy always feels uncomfortable, and why Melbourne now sits where Perth and Brisbane did before they ran. Risk and discomfort are not the same thing. Falling prices and negative headlines are discomfort. Buying without fundamentals is risk. Rents have risen 55% since 2020 against wage growth of 26%, and new supply is not filling the gap because developers won't build at a loss. AMP's new 40-year mortgage with a 10-year interest-only period and what it means for borrowing capacity. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

Investor credit growth for established properties has dropped 52% in just seven months. In this episode of the Positive Property Show, George Markoski goes through the forces driving that drop, why it is splitting the market into two distinct tracks, and what investors on each side of that divide can expect from here. The episode covers a lot of ground: the trust tax backflip that is quietly turning discretionary trusts into fixed trusts for hundreds of thousands of Australian business owners, the government's own figure for a comfortable retirement (and why George thinks it falls well short), a woman in Queensland sharing a bed with a stranger for $121 a month as the rental crisis reaches new extremes, and a Gold Coast case study where buyers who paid deposits five years ago are having their contracts terminated because the developer dragged out the build until the properties doubled in value. George also announces the no-go zones list is being redone from scratch because the market is changing too fast for an annual update. A live website is in the works. In this episode: Investor credit growth for established properties has halved in seven months, giving buyers more negotiating power than at any point in the current cycle. Discretionary trusts are effectively becoming fixed trusts under the government's new rules, and the concessions offered do not go far enough for most structures. The government considers $630,000 to $730,000 in super adequate for a comfortable retirement. George runs the numbers and explains why that falls well short. Gold Coast buyers who paid deposits five years ago are having contracts terminated as developers use sunset clauses to reclaim properties that have since doubled in value. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

Australia's housing market correction is happening. Prices have softened, headlines have worsened, and buyers have hesitated. In this episode of the Positive Property Show, George Markoski and Christina Markoski make the case that for prepared investors, this is the environment they have been waiting for. The broader picture has not changed. Australia's supply gap is growing, rents are rising nearly twice as fast as wages, and buyer hesitation during corrections has historically been the single most expensive mistake long-term investors make. In this episode: How to navigate the Bathla Group collapse if you hold a contract, and why accepting a refund offer without legal advice could cost you significantly. The supply gap is widening even as buyer demand cools, because fewer starts today means fewer completions in two to three years. Certain suburbs are still recording price growth during the correction, and location selection is now more important than at any point in recent memory. How good debt, used strategically, made one Positive Property member $392,000 in profit across two properties in three years.   About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

The SMSF borrowing ban came into effect on August 12. Australians can no longer borrow inside a self-managed super fund to purchase property. In this episode of the Positive Property Show, George Markoski and super specialist Jeff Bennett from Super Strategies go through what that means in practice and what pathways still exist for investors wanting property exposure inside their super. George also covers the broader picture: the RBA holding rates at 4.35% while every major Western central bank has already cut, inflation not returning to target until 2028, and the quiet collapse of the high-end investment property market as negative gearing changes remove the tax advantage that made $3 to $4 million properties attractive to high-income earners. The message is consistent with every episode in this current cycle: the rules have changed, the opportunity has not, and the investors who adapt are the ones who come out ahead. In this episode: Why the SMSF borrowing ban is in effect from August 12 and what can still be done to hold property inside super. Superannuation has been progressively restricted for 20 years, and George outlines why the direction of travel is unlikely to reverse. The RBA is the last major Western central bank holding rates high, and building a strategy around rapid rate relief is not a plan. The luxury negative gearing market is repricing as the tax advantage that made high-value properties attractive to top earners disappears under the new rules. Jay McCormick spent ten years thinking about investing before he found Positive Property on Facebook and signed up the same day. Raceview settled June 2023 for $452,700, now $710,000, $257,000 profit. Pinjarra settled May 2025 for $459,990, now $730,000, $270,000 profit. Total profit across both properties: $527,000 in three years. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

The official story on Australia's housing crisis is that approvals are recovering and the pipeline is filling. In this episode of the Positive Property Show, George Markoski and Adam Albrecht go through the actual numbers to show why that narrative is misleading and why the shortage is getting worse on every meaningful measure. Approvals are running 20% below the housing accord target. Completions are tracking 27% below. A record 243,900 homes are currently under construction while annual completion rates have barely changed since 2020. The pipeline is not flowing. It is clogging. Developers are paying 1% to 1.5% per month on project finance, trades are unavailable, and projects are not starting because previous ones are not finishing. Australia is adding 236,000 new residents a year and completing 174,000 homes. That gap does not close by itself. George also addresses the fear cycle building in the media and why long-term investors who stay in the market through periods of negative sentiment have consistently come out ahead of those who wait for clarity before acting. In this episode: A building approval is not a home. The gap between what is approved and what is completed has never been wider. Developer project finance at 1 to 1.5% per month is locking new projects out before they even start. Australia needs 236,000 new homes a year and is completing 174,000. That shortfall compounds every single year. George and Adam are both currently buying, and they explain why this moment in the cycle is when that decision makes the most sense. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

Every capital city in Australia is now in correction. Clearance rates have been below 50% nationally for eight straight weeks. Buyer confidence is at its lowest in years. George Markoski's call in this episode of the Positive Property Show is simple: this is a pause, not a crash, and the housing shortage that drove prices higher has not gone anywhere. Australia is still falling 66,600 homes short of what it needs every single year. Nearly 300,000 dwellings are sitting in the approval pipeline, but approvals are not homes. The gap between what exists on paper and what is being built in reality has never been wider. Every month demand softens is a month the shortage compounds rather than closes. In this episode: Perth just became the last capital to enter negative territory, making this the first nationwide correction across all capitals simultaneously. Approvals do not solve a housing shortage. Only completed homes do, and Australia is running well behind on both counts. The two-tier market is widening: established investor-grade property continues to soften while new builds with full tax advantages hold their ground. Information is free. Implementation is what separates investors who build wealth from those who keep watching and waiting. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

Australian property is no longer moving as one market. Since the federal budget, a clear divide has formed between new builds and established investment properties, and the gap is already having real consequences for investors who have not repositioned. George Markoski goes through the two-tier split in detail, explains why rent freezes fail everywhere they are tried, and connects the dots between government housing policy and why rents have risen faster since the reforms than they did before them. Supply and demand cannot be overridden by legislation, and the next four years of housing data already suggests the problem is getting worse, not better. In this episode: Established properties popular with investors are losing appeal fast as tax advantages disappear, while owner-occupier stock is holding. Rent freezes reduce maintenance and push landlords out of the market, which is exactly the opposite of what renters need. The best opportunities right now sit where supply is tightest and new build tax advantages are fully intact. How one couple turned a decade of property inaction into $252,300 profit by finally backing a process and following it through.   About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

The rental crisis is already here. The real question is how much worse it gets. In this episode of the Positive Property Show, George Markoski makes the case that it will continue well into the 2030s, driven by a housing pipeline that keeps falling further behind, migration that keeps outpacing supply, and policy changes that are redirecting investor demand rather than creating new homes. Rent growth has accelerated every quarter since early 2025. Australia is building significantly fewer homes than the government's own target requires. And the move to restrict negative gearing to new builds is concentrating investor demand on a limited pool of stock that cannot absorb it. For renters, that means continued pressure. For investors in the right assets, it means the fundamentals are stronger than ever. In this episode: Why the $11,300 rent increase costs renters closer to $20,000 in pre-tax earnings. The policy change designed to help renters that is pushing rents even higher. How new build investors are now borrowing more than established property investors. The rental crisis has no near-term political solution, and that is not changing soon. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing.   P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training

_*]:min-w-0 gap-3 [&_>_*:last-child]:mb-0 font-claude-response"> Most Australians are still approaching wealth the old way: work harder, save more, pay cash. In this episode of the Positive Property Show, George Markoski explains why that approach almost never produces financial freedom and what actually separates those who get ahead from those who stay stuck year after year. In this episode: How the wealthy use leverage to multiply results rather than trade time for money. Why the discomfort of investing now is always smaller than the cost of not investing later. The migration reality: Australia's net overseas migration is now running at the highest per capita rate in the developed world outside Portugal, and even halving that intake would still rank among the top globally The one change taking effect mid-August that will remove one of the last remaining tools for middle-income Australians to hold tangible assets inside their super Why a chronic housing undersupply, rents at historic highs, and a rental market at breaking point is precisely the environment where a well-positioned new build portfolio does its best work.   About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing. P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training  

The property ladder is not just getting harder to climb. It is being pulled up behind the people already on it. First-home buyers are getting older, deposits now take more than a decade to save, and more young Australians need help from their families just to get a foothold. In this episode of the Positive Property Show, George Markoski and Adam Albrecht explain how parents can begin building that foundation from childhood, then use family equity and the right lending structures to help an adult child enter the property market without simply handing them everything. George also breaks down why this is becoming more urgent. Rental supply is at historic lows, construction is falling further behind demand, replacement costs continue to rise, and population growth is keeping pressure on housing. The longer families wait to put a strategy in place, the higher the first rung of the ladder becomes. In this episode: Why property education is a greater legacy than simply giving your child money. The legacy ladder: savings from birth, earned pocket money, first-job budgeting, property inspections and education before equity. How a limited family guarantee can help a child buy without cash leaving the parents' account, and the safeguards every family needs to understand. The other ways parents can help, including matched savings, a documented gift, a family loan or co-buying, while ensuring the child still has skin in the game. Why the right property, price and genuine-demand location matter more than whether you buy a house, townhouse or apartment. Positive Property member win: how a couple used equity to secure a Caboolture property that gained $165,000 in value within six months. About Positive Property: Positive Property has been empowering Australians to build financial freedom through strategic property investment for over 20 years. Founded by George Markoski, the community is built on the mission to help 10,000 Australians achieve financial independence through proven, principle-based property investing.   P.S. Whenever you're ready… here are 3 ways George can help you create money for life through property: Grab George's Free Book: The roadmap 3,500+ Australians have used to start building wealth through property. Get your free copy Join 9,000+ Australian Property Investors: Positive Property Investors Australia, our Facebook community of smart investors sharing tips, wins, and strategies. Join the group Watch Our Free Training: The exact strategy our members use to build portfolios of 5-10 properties and create money for life. Watch the free training