Suburb Data with Damien & Jeremy

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.

Ep. 34: Nobody Told Me… The Realities of Property Investing

In this episode, we get real about the industry’s biggest red flags—misleading claims, flashy marketing tactics, and so-called “experts” who might not have your best interests at heart.
From high-pressure sales tactics to the long-term excuse for bad investments, we’re calling it out and sharing what we’ve learned from years in the game.
If you've ever felt overwhelmed by the noise in the property world, this one’s for you.
Drop your thoughts in the comments, and don’t forget to like, subscribe, and share!
 
Episode Highlights:
00:00 - Introduction
02:41 - Misleading claims and titles
04:24 - Fancy titles in property
07:18 - Property investment advisors
09:15 - Big property portfolios
10:56 - Cherry picked past properties
12:49 - Who can you trust?
15:27 - Taking advice from a generalist
16:17 - Property investment advisors
17:54 - Strategies and red flags
27:51 - Positive cashflow and no growth
30:42 - The flash and the fundamentals
35:02 - The long term approach
40:46 - 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.

Ep. 33: How to Protect Yourself from Oversupply

Oversupply is one of the biggest risks in property investing 🏡
In this episode, we break down how to spot areas at risk of too much stock and what to look for before buying.
We’ll show you why counting listings isn’t enough, how to use Google Maps to predict future supply, and why avoiding units (or certain locations) could save your investment from flatlining.
Got questions or your own oversupply horror story?
Drop it in the comments & don’t forget to like, subscribe, and share this with your fellow investors!
 
Episode Highlights:
00:00 - Introduction
01:03 - What is supply?
04:07 - Future supply
09:49 - Built-up and vacant land
12:31 - Context ruler example 01
15:24 - Context ruler example 02
17:10 - 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. 32: The 18-Year Property Cycle - Part 3

We're back tackling the 18-year property cycle—because you won’t let it go! 📉
After our last episodes debunking the cycle, the comments came flooding in with new theories and claims.
So, we’ve done what we do best—dug into the data to see if the numbers actually stack up.
Does Sydney and Melbourne really boom first, followed by Queensland, WA, and SA? Or is this just another myth? Let’s find out!
Got more evidence? Drop it in the comments or send us an email.
Don’t forget to like, subscribe, and share this with someone who still swears by the cycle!
 
Episode Highlights:
00:00 - Introduction
02:58 - Listener feedback
08:01 - Verifying the listeners theory
10:28 - Primary Markets
21:43 - Secondary Markets
26:17 - Primary and secondary market growth theory
28:30 - Primary market investing theory
30:37 - Secondary market investing theory
31:49 - 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. 31: 2025: Buy Now or Wait?

Is 2025 the year to buy property or should you hold off? 🤔
In this episode, we tackle a viewer's question about timing the market and explore whether waiting could be a costly mistake. We dive into the latest data, comparing growth across cities, and share tips on navigating the property landscape.
Whether you're a first-time buyer or seasoned investor, this podcast will help you decide if now’s the right time to make your move!
 
Episode Highlights:
00:00 - Introduction
00:51 - What does the 2025 property market look like?
05:22 - When does buying make sense?
06:11 - Should investors wait?
15:19 - FOMO vs analysis paralysis
18:53 - Listener 1 Q&A
21:36 - What would Jeremy do?
22:57 - What would Damien do?
24:24 - Listener 2 Q&A
31:03 - 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. 30: Buying Property with Friends or Family - Smart or Risky?

Thinking about buying property with friends or family?
It might sound like a great way to get into the market, but is it really that simple?
In this episode, we’re joined by Alana, our go-to mortgage broker, to dive into the pros and cons of co-ownership. We cover everything from pooling resources to the risks involved, plus the importance of having a solid exit plan.
If you're considering teaming up on a property, this one's for you!
 
Episode Highlights:
00:00 - Introduction
00:55 - Why is Co-Ownership popular?
03:32 - What is tenants in common?
07:50 - Tenants in common drawbacks
11:07 - What is the exit plan?
16:06 - What about inheritance?
 
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. 29: The 18-Year Property Cycle - Part 2

We’re back with part two of the 18-year property cycle!
Responding to your comments from part 1, some viewers insisted the cycle is real and pushed us to dig deeper into the data.
This time, it's not just Australian cities, we looked into the US and the UK—and the results are in.
Join us as we respond to your comments and bust some myths about this so-called cycle.
Got more data or research to share?
Let us know in the comments, and don’t forget to like, subscribe, and share this with someone who needs a dose of reality!
 
Episode Highlights:
00:00 - Introduction
01:02 - Historical growth of Australian real estate 1981 - 2024
04:40 - Responding to YouTube comments
05:35 - Sydney’s growth rate
08:07 - Melbourne’s growth rate
08:51 - Brisbane’s growth rate
09:17 - USA historical price data 1963 - July 2024 (60 years)
10:40 - UK land registry peak data
13:52 - Is the 18.6-year cycle real according to ChatGPT?
 
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. 28: Can You Buy Unlimited Properties? | Part 3

In the final episode of our Positive Cashflow Properties series, we bust the myth: "Can you just keep buying property forever?" Spoiler: It’s not that simple. With Alana from We Mortgage Solutions, we cover:
- The real limit on how many properties you can buy.
- Why income matters more than cash flow when scaling.
- The truth about "blacklisted suburbs."
- Hidden costs of "cheap" cashflow properties.
- Packed with expert advice and real stories, this episode is a must-listen for investors at any stage.
Drop your thoughts or questions below, and don’t forget to like, subscribe, and share!
 
Episode Highlights:
00:00 - Introduction
00:55 - Cashflow neutral property = No problem servicing mortgages?
08:05 - How to accumulate 30+ properties?
11:55 - Will I ever have an issue servicing neutral properties?
12:39 - Granny flats, renting by room, NDIS & Airbnb
20:29 - Other sources for positive cashflow
23:41 - What can be done with cashflow surplus?
25:12 - Risks and challenges
26:40 - Is positive cash flow for every investor?
27:19 - What would Jeremy do?
29:13 - What would Damien do?
31:42 - 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.