APRA is shaking up Australia’s lending landscape, introducing new caps on high debt-to-income ratios from next year.

To break down what this really means, Cameron Kusher from Hotspotting joins Tim Graham to explain how these changes differ from past interventions and why regulators are tightening the screws now.

We explore which types of investors are most likely to feel the squeeze, from highly leveraged buyers to those relying on aggressive portfolio expansion. Cameron also explains how these policies could shift investor behaviour and reshape borrowing strategies heading into 2025.

With Australia already battling housing supply constraints, we look at whether these restrictions could create unintended consequences — including slowing down investment, construction, and the national goal of delivering 1.2 million homes by 2029.

Tim Graham sits down with John Wong, Founder and CEO of Space Property — one of Australia’s most awarded modular housing innovators. With rapid installation and fully compliant designs, Space Property is emerging as a leader in fast, flexible housing solutions.

John explains how his team delivers a move-in-ready modular home on site in only 10 days. From manufacturing to council compliance, every step is streamlined to meet Australian building standards without compromise.

These dwellings aren’t just efficient — they’re durable, high-quality, and eligible for rental income, making them a powerful option for homeowners and investors alike.

In this episode of The Property Playbook, Terry Ryder breaks down one of the biggest myths in real estate: that off-market automatically means opportunity. Buyers are constantly told they’re getting access to “secret deals,” but negotiation expert Scott Aggett says that’s not always the case — and sometimes, it’s the opposite.

Scott joins the show to unpack why so many buyers misunderstand pricing signals, how agents use quiet listings to test the market, and why underquoting continues to frustrate home seekers. With years of experience working for both sellers and buyers, he offers an unfiltered look at the tactics driving price guides and quoting ranges.

Whether you’re navigating off-market pitches, watching auction rules evolve in Victoria, or trying to avoid overpaying in a competitive market, Scott delivers practical advice to cut through the noise and make smarter decisions.