Suburb Data with Damien & Jeremy

Ep. 44: Scaling and Making Smarter Investment Decisions

This week we’re building on last episode’s foundations and diving into smart scaling, how to balance growth vs yield, how to avoid emotional traps, and whether chasing “undervalued” deals is actually costing you 💸
Damien fires off rapid-fire questions while Jeremy drops some spicy truths (including his early mistakes!).
Whether you’re a new investor or scaling up, this one's packed with practical tips, laughs and a few hard truths.
 
Episode Highlights:
00:00 - Introduction
00:34 - How do you balance high rental yields with capital growth?
04:15 - Suburb Data context ruler example
09:05 - How does leveraging equity help scale faster?
10:44 - Pulling out equity when available
13:08 - What’s the best way to accelerate capital growth?
19:03 - Signs of an emotional decision
22:20 - How would you choose a good property manager?
29:32 - Have you talked a client out of a bad deal due to bias?
33:30 - Data vs sentiment
34:10 - Is data useful in an emotional market?
35:29 - How to stay objective when getting caught up in the noise?
 
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 43: The Foundations of High-Performing Property Selection

What makes a suburb really worth investing in?
In this episode, we chat about the key ingredients of a high-performing property.
From suburb selection and asset quality to emotional traps and the overhyped “blue chip” myth. Grab a coffee and tune in for a no-BS chat full of tips, laughs and a bit of expert busting.
Let us know your biggest property investing lesson in the comments!
 
Episode Highlights:
00:00 - Introduction
02:09 - How can investors minimise mistakes?
08:59 - Most common emotional pitfalls
12:12 - Investor mistake process
16:09 - How is DSR different from its competitors?
21:22 - How often should investors review the DSR score?
25:40 - What’s the first thing to check on the ground
27:42 - How does infrastructure developments impact growth?
30:52 - Strong DSR score, underperforming?
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 42: Why Tracking Your Money is the Key to Financial Freedom

We always talk about property investing, but this time we’re digging into the money habits that make it all possible 💸 From dodging credit card traps to tracking your surplus and actually sticking to a budget, we’re sharing what’s worked (and what hasn’t) over the years.
Whether you’re trying to save for your first property or just want to feel less broke by Friday, this one’s for you.
Let us know in the comments if you want more episodes like this—we’re keen to keep it going if you are!
 
Episode Highlights:
00:00 - Introduction
01:23 - Financial quotes
05:30 - What triggered an interest in money management
10:10 - Money management mistakes
12:05 - What is an easy starting point?
15:06 - Does being frugal = wealth?
20:59 - Is saving different when being an investor?
24:39 - What is the easiest way to start tracking finances?
27:02 - Best financial habit?
28:11 - Going back in time, what would you do differently?
29:46 - Cash is king!
31:23 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 41: Wage Growth vs. Capital Growth: Are the Experts Right on Property Value?

Is wage growth really the secret to capital growth? 📈 We’ve seen this claim floating around again, so in this episode, we dig into the data and test the theory ourselves.
Using real suburb examples and wage stats going back to 1991, we break down whether income trends actually lead to stronger property performance—and the results might surprise you.
 
Episode Highlights:
00:00 - Introduction
00:35 - Email hit piece analysis
03:21 - Weekly family income chart
09:47 - Jeremy’s analysis: Change of family income
16:22 - Jeremy’s analysis: Capital growth
22:31 - Lessons learned
23:07 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 40: Q&A – Darwin, Market Metrics, Buying Again & More

We're responding to your comments and questions—from oversupply in Perth suburbs like Treeby, to misunderstood property metrics (no, population growth isn't the golden ticket), and even whether Darwin’s worth a look.
We break down what's fluff, what's real, and what you really need to know before buying.
 
Episode Highlights:
00:00 - Introduction
01:19 - Finance quote
02:17 - Question 01
14:43 - Question 02
17:58 - Question 03
21:08 - Question 04
24:34 - Question 05
27:37 - Question 06
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 39: Nobody Told Me… The Hype vs. Reality in Property Investing Part 2

In this episode, we call out the smoke and mirrors: flashy social media flexing, dodgy data, fake experts, and free “research” platforms that are anything but. We’re sharing the red flags we’ve seen over the years and giving you the tools to spot marketing spin before it costs you thousands. Whether you're a first-timer or seasoned investor, this is your reminder to trust, but verify—and always back your decisions with solid data.
 
Episode Highlights:
00:00 - Introduction
00:43 - Look at my life trap
09:04 - Free research & Fin-fluencers
13:06 - What is a Fin-fluencer?
18:44 - The coaching & advice industry
23:35 - Reality check: Data over hype
25:17 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 38: Property vs Shares: What Would We Do Now? | Part 3

In part three of our Property vs Shares series, we wrap it all up by sharing what we’d do if we had to start from scratch today! 🏡
We cover lessons we’ve learnt the hard way, mistakes to avoid, how risk tolerance and cash flow play a role, and why keeping it simple often wins. Plus, we chat about why property still gets the edge for us—and why shares can still have a place depending on your goals.
Got your own strategy or lessons to share?
Drop them in the comments, and don’t forget to like, subscribe, and share!
 
Episode Highlights
00:00 - Introduction
03:50 - Paying off the Mortgage
08:16 - $100k examples
09:59 - What would we do?
14:09 - Lessons learned from experience
25:57 - Asset allocation
31:17 - How to decide for yourself?
33:41 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 37: Property vs Shares: Returns & Performance Over Time | Part 2

We’re back with part two of our Property vs Shares showdown, and this time, we’re crunching the numbers! 📊
We break down historical returns, leverage, cash flow, and risk to see which investment strategy truly comes out on top. Plus, we reveal some surprising insights about property loans, margin lending, and how different tax brackets impact your returns.
Stay tuned for part three—where we reveal what we’d invest in right now!
 
Episode Highlights:
00:00 - Introduction
01:11 - Shares
06:34 - Shares performance over 30 years
09:48 - Key differences in leverage
10:55 - Shares LVR
19:03 - Risk management and market volatility
19:17 - $100k property example
21:35 - $100k shares not leveraged example
22:54 - $100k shares leveraged example
24:28 - USA shares leveraged
25:47 - Franking credits
32:29 - Superannuation
34:23 - Strategy
37:51 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 36: Property vs Shares: The Basics & Our Experience | Part 1

Property or shares—what’s the better way to build wealth? 🤔
In this episode, we kick off a three-part series breaking down the key differences, pros and cons, and our personal experiences with both.
We cover leverage, risk, cash flow, and the common traps investors fall into.
Whether you're team property, team shares, or just figuring it out, this episode lays the foundation for the ultimate investing showdown!
 
Episode Highlights:
00:00 - Introduction
02:16 - Starting out
07:44 - Which builds wealth faster?
12:36 - Passive vs active investing
14:05 - Property investment pros
25:03 - Property investment cons
35:11 - Shares pros
40:07 - Shares cons
47:27 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.

Ep. 35: The Long Journey Finding the Right Buyer’s Agent

Buying property as an expat comes with some serious challenges—lending restrictions, different tax rules, and the struggle to find the right buyer’s agent. 🌏
In this episode, we chat with Ricky, an Aussie living in China, about his journey to purchasing a property back home. We break down the hurdles he faced, the mistakes he avoided, and the lessons he learned after speaking with nine different buyer’s agents!
If you’re an expat thinking about investing in Australia, this one’s packed with insights you won’t want to miss.
 
Episode Highlights:
00:00 - Introduction
01:23 - Introducing Ricky
03:08 - Challenges as an expat
05:54 - How did it all start?
11:43 - Did you research the BAs?
13:23 - Good and bad experiences
20:26 - Red flags
22:03 - What is the main reason for using a BA?
25:48 - Various fee structures
32:07 - Feelings of FOMO?
34:50 - Advice for expats
38:48 - Is Australia the best place to buy?
44:46 - Conclusion
 
Got questions or feedback?
Email us: PODCAST (AT) SUBURBDATA.COM.AU
 
DISCLAIMER:
Please be aware that the content presented in this video is for general informational purposes only and does not constitute financial advice.
• The information provided is not tailored to your individual circumstances, and we do not consider your specific financial situation.
• It is strongly recommended to consult with a qualified financial advisor or professional before making any financial decisions based on the content of this video, as we have neither offered nor provided legal, financial, or taxation advice to the Listener, Reader, or Viewer.
• We do not hold an Australian Financial Services Licence as defined by section 9 of the Corporations Act 2001 (Cth) and is not authorized to provide financial services.
• Any actions taken by viewers based on the information in this video are at their own risk.