The Freedom Brief
Notes from the trenches.
A measured weekly read on the Australian market — supply, fundamentals, and the discipline behind a deliberate portfolio. No hype, no churn.
Locked out of buying, so they rent.
The RBA lifted the cash rate to 4.60 per cent on 29 September. Brisbane vacancy is 0.9 per cent.
Read the brief →What a rate rise actually costs you.
About $29 a week on a $600,000 loan. Here is what rents have done over the same year.
Read the brief →It is September 2031. Are you glad you listened to the news, or glad you bought?
In 2020 the headlines said prices would fall by a third. Brisbane houses went up 81 per cent. The noise is loud again. Here is the five-year test.
Read the brief →Rent where your career is. Own where it makes you money.
You earn $200,000. You rent in Sydney for $650 a week because that is where the career is. Every dollar of that rent is the cost of proximity to income.
Read the brief →The rent cap is back on the table.
Wages grew 3.2 per cent. Rents grew 5.9. Every state has noticed the gap. Here is what a cap actually does.
Read the brief →Treasury's formula forgot your renovation.
No one is reporting this. From 1 July 2027, the money you spent on capital works may not count.
Read the brief →The investors left. The tenants did not.
Investor lending fell 8.6 per cent. Sydney, Brisbane and Melbourne rents all hit records.
Read the brief →Approved is not built. The pipeline is at a record.
204,600 homes approved. 173,400 finished. A record 243,900 sit in the pipeline, waiting.
Read the brief →Decision day is today. The test does not change.
The Board announces at 2:30 this afternoon. My call is a hold. The bigger story is prices easing around the country while rents keep climbing.
Read the brief →Rate cuts are now a 2027 story. Rents are not waiting.
Inflation landed at 3.8 per cent. The August rise is off the table, cuts are a year away, and vacancy is still under one per cent.
Read the brief →Three rate rises this year. The strategy has not moved.
The June quarter inflation number lands this week. Here is what it changes, and what it does not.
Read the brief →Believe the headlines, or believe the numbers. Only one of them pays you.
Australia is adding around 155,000 homes a year. It needs 240,000. No headline changes that.
Read the brief →Same value. Same rent. $498 a week apart.
$713 a week on established stock. $215 on a new build. The gap is the story.
Read the brief →In three decades of property, I've never met a wealthy forecaster.
The variable that builds wealth isn't timing. It's holding power.
Read the brief →The next property cycle will look very different.
The easy-money era is over. What replaces it rewards completely different behaviour.
Read the brief →The headline wanted you angry. But I can't be mad at him.
A tax change does not build a single house. The shortage is the story.
Read the brief →History is about to repeat itself. Here is what happens next.
From 1 July 2027, negative gearing on established property is gone. Here is what happens next.
Read the brief →Bigger than property.
The freedom mindset behind a deliberate portfolio — the full guide to thinking like an owner, not a buyer. Free to read.
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