Shows
HotspottingBeyond the Hype: Terry Ryder’s National Top 10 Best Buys | The Property PlaybookWith over 15,000 suburbs across Australia, how do you know where to invest next—and which markets are set to outperform? In this episode of The Property Playbook, host Tim Graham sits down with Australia’s leading property analyst, Terry Ryder, to reveal the latest insights from Hotspotting’s National Top 10 Best Buys report. Unlike media-driven “hotspots,” these locations have been handpicked for their long-term growth potential, strong local economies, and critical infrastructure investment. 🎯 In this episode, you’ll learn: Why the best investment markets aren’t the ones booming now, but the ones poised for t...2025-04-2812 minHotspottingPolitical Smoke & Mirrors: The Truth Behind the Housing Crisis DebateAs the federal election approaches, housing policy has finally hit the spotlight — but not for the right reasons. In this episode, Terry Ryder cuts through the spin and dive into the political theatre playing out between major parties over Australia's housing crisis. From vote-chasing tax perks to demand-boosting band-aid schemes, he unpacks why both Labor and the Coalition are missing the mark — and how their policies could actually make things worse. Plus, he takes aim at the Greens’ rental rhetoric and ask the question no one seems to be answering: where are the real st...2025-04-2607 minHotspottingElection Promises vs. Housing Reality | Tim Graham on TickerNewsWith housing affordability now a key battleground in the federal election, Tim Graham, Managing Director of Hotspotting, joins Ahron Young on TickerNews to unpack what the major parties are promising—and whether those policies will make any real difference. In this episode, Tim explains why most policies on offer are short-term, demand-side sugar hits that fail to address the root of Australia’s housing crisis: supply. 🎯 In this episode, you’ll learn: Why tax deductions and super-for-housing schemes may push prices up The unintended consequences of government stimulus for first-home buyers The critical need for suppl...2025-04-2406 minHotspottingLandlords Aren’t Winning — They’re Bleeding CashIn this episode, Terry Ryder dismantles the media myths surrounding landlords and reveals a far more sobering reality — most investors aren’t profiting, they’re bleeding cash. With 65% operating at a loss and many forced to sell, Ryder explores why the rental market is under serious threat. From rising interest rates to hostile policies, he exposes how the system is pushing mum-and-dad investors to the brink — and why that spells trouble for renters too. If you're a property investor, tenant, or just someone trying to make sense of Australia's housing mess, don’t miss this...2025-04-2406 minHotspottingChanging of the Guard: Perth’s Peak and the New Property LeadersPerth's Property Market at its Peak: Tim Graham discusses the shift in Perth's property market as it reaches its peak. He shares insights from Hotspotting's Price Predictor Index, explaining how rising sales activity often leads to price growth, and how Perth's market is now experiencing a slowdown due to decreasing sales. Why Perth Was Doing Well: The strength of Perth's recent growth can be attributed to a proactive state government, affordability, and a resurgence after many years of stagnant prices. Tim highlights how the state's openness to investors has played a key role...2025-04-1509 minHotspotting📈 Australia’s Property Market Is Moving – Here’s Where the Growth Is Happening Now!In this update, Tim Graham from Hotspotting breaks down the key insights from the Autumn 2025 edition of the Price Predictor Index — revealing which Australian property markets are rising, which are steady, and which are slipping into decline. We analyse 14 major jurisdictions across the nation — from capital cities like Darwin, Melbourne, and Adelaide to regional powerhouses like Regional South Australia, Regional Queensland, and Regional Victoria. With detailed suburb-level insights and sales activity trends, this update highlights the suburbs and towns with real momentum behind them. 📍 Highlights Include: Darwin’s surge to the top: 79% of market...2025-04-1505 minHotspottingBudget Deficit & Housing Aid - Terry Ryder on TickerNewsTerry Ryder—founder of Hotspotting.com.au and Australia’s #1 independent real estate analyst—joins Ahron Young in the Ticker studio to unpack the 2025–26 Federal Budget and what it didn’t address: the worsening housing crisis. From unaffordable home prices and stalled construction to the lack of support for investors and renters alike, Terry pulls no punches as he explains the structural failures that continue to drive Australia’s housing shortage. 🎯 What you’ll learn in this episode: Why Terry calls the budget an “election bribe” with no real housing reform The key causes of Australia’s high c...2025-03-2706 minHotspottingWhy Apartments Are Booming in 2025The Great Australian Dream still exists, it’s just that - for many - it now means owning an apartment, not a house with a white picket fence. As property prices continue to grow, the dream of owning a freestanding house has morphed into the dream of owning an apartment - for more and more Australians. Apartment living is no longer just a financial choice, but a conscious decision to seek out a different way of living - a more affordable and low-maintenance lifestyle. The percentage of Australians who live in a freestanding ho...2025-03-0804 minHotspottingBrisbane: Australia’s Hottest MarketBrisbane was one of the nation’s boom markets in 2024 and likely to do even better this year. The price data shows that Brisbane delivered a strong performance last year, both with house prices and in particular unit prices – but was third in the capital city growth rankings behind Adelaide and Perth. Figures from PropTrack and CoreLogic show Brisbane house prices overall were up 10% last year and unit prices around 15%. In 2025 we expect Brisbane to have another strong year and to overtake those other cities to be the nat...2025-03-0703 minHotspottingAustralia’s Housing Crisis – How Did We Get Here & How Do We Fix It? | The Property Playbook🏡 Australia's Housing Crisis: Causes & Solutions With housing affordability at record lows and supply failing to keep up with demand, how did Australia's property market reach this crisis point? More importantly—how do we fix it? In this special episode of The Property Playbook, Tim Graham is joined by an expert panel to tackle one of the most pressing issues facing Australian homeowners, investors, and renters: 🎙️ Panel Guests: ✅ Michael Sukkar – Federal Shadow Housing Minister ✅ Kelly Ryan – CEO of the Real Estate Institute of Victoria (REIV) ✅ Terry Ryder – Australia’s #1 Independent Real Estate Analyst (Hot...2025-03-0732 minHotspottingMining TownsSome investors are attracted to the cheap house prices and very high rental yields in resources sector towns but recent events in two of the nation’s iconic locations demonstrate why this can be a strategy fraught with peril. Hotspotting methodology dictates that a diverse economy is a core factor in any location we are willing to recommend – which means locations dominated by one industry sector seldom make it to our hotspots reports. A country town solely reliant on agriculture, a coastal enclave where everything depends on tourism and mining towns are al...2025-03-0603 minHotspottingRegional QLD: 2025’s Hottest Market?Regional Queensland had a pretty good year for price growth in 2024 but I’m predicting it will have an even better one in 2025. There’s mounting evidence that the combined weight of internal migrants moving to Queensland and investors increasingly pivoting from Western Australia to Queensland will drive significant price uplift this year. In 2024, according to PropTrack figures, the median house price for Regional Queensland increased 10%, which was well above the national average (4%), and better than our three biggest cities, but was slightly below the level of growth achieved in Regional South Australia and Regional WA...2025-02-2703 minHotspottingNext $1M Suburbs Revealed!Since the start of the pandemic in 2020, many of Australia’s property markets have experienced some extraordinary price growth. Many locations, both city-based and regional, achieved unprecedented price increases with median house and unit prices soaring as demand hit new highs. Where once a million-dollar house or unit median was unusual, that recent growth launched many locations into that club for the first time. As of January 2025, there were 1,194 suburbs or towns with a median house price or median unit price of $1 million or more – 50 more than in September 2024. These figures show that although price grow...2025-02-2704 minHotspottingChalmers vs. Landlords: Who’s Right?Was the Federal Treasurer being serious when he suggested that investors pass on the new interest rate cut to tenants in the form of cheaper rents? Has Jim Chalmers lost the plot completely or was he making a shallow pitch to voters on the eve of a Federal Election? To suggest that investor owners are in a position to hand out financial benefits to tenants because of this one, very small, isolated reduction in their costs suggests that Chalmers is either divorced from reality or he’s having a cheap shot at landlords to win fa...2025-02-2703 minHotspotting$1 Million Homes: Australia’s Housing CrisisOne of the most significant housing stories in the past year has slipped under the radar of news media, with very little commentary. The latest official data from the Australian Bureau of Statistics shows that it now costs over $500,000 to build the average house in this country. That’s the cost of construction of the dwelling and doesn’t include the land price. Given that the price of residential land is also escalating to record price levels, the reality is that the typical house and land package in a capital city is bey...2025-02-2105 minHotspottingSydney’s Boom Suburbs Revealed!Price data for Sydney provides a striking example of why it’s so important not to generalise about property markets. According to the big-name research sources, Sydney prices grew only a few percent overall in the past 12 months, but individual precincts within Greater Sydney have recorded price growth at boom levels. Unfortunately for people trying to make informed real estate decisions, economists and journalists like to speak about “the Australian property market” and forecast what will happen with “Australian house prices” in the year ahead. This is not only wort...2025-02-1403 minHotspottingNSW's Work-From-Home ShiftThe trend we have dubbed the Exodus to Affordable Lifestyle is one the key reasons we expect Regional NSW to deliver strong residential property markets in 2025. The trend, of course, is not new – with big cities like Sydney losing population to internal migration for the past 10 years. But the trend remains strong and has not slowed down or reversed, despite forecasts by some economists that there would be a movement of people back to the cities - with big businesses demanding that workers return to the office rather than work remotely. 2025-02-1104 minHotspottingLoans Surge in 2025Prospects for strong buyer demand in 2025 look good, with the latest data released by the Reserve Bank indicating a significant rise in loans for home buyers, investors and businesses. This challenges earlier predictions of a slowdown by economists, who continue to be obsessed with interest rates as the big factor that determines everything in real estate – despite all the mountains of evidence to the contrary. Loans to residential property investors are the highest for two years, while loans to home buyers are the highest in 18 months. The offic...2025-02-1003 minHotspottingPerth Slows, Regions SurgeHotspotting has been forecasting, recently, changes in the pecking order of price growth among the major markets of Australia – and the latest research data confirms it. Regional real estate and apartment markets are the out-performers in the latest figures from CoreLogic – which also show that Perth is no longer leading the nation on price growth. For some time now, regional Australia has been showing better growth on average than capital city Australia and the latest figures to the end of January show that this, generally speaking, is still the case. 2025-02-0502 minHotspottingInfrastructure DevelopmentOne of the fundamental factors we look for at Hotspotting when assessing locations is infrastructure. We want to know that a location has good basic infrastructure – schools, shops, government services, public transport and recreation amenities. If there is also a major factor in the market like a university campus or a hospital, this can be significant as a big generator of demand for real estate. In addition is good existing infrastructure, one of the big game-changers we look for is major new infrastructure under construction or in plann...2025-02-0404 minHotspottingThe Property Playbook - EP9: Smart Money Habits for First-Time Buyers with Glen JamesOwning your first home might feel like a distant dream, but the right financial habits can bring it closer than you think. In this episode of The Property Playbook, host Tim Graham sits down with Glen James—creator and host of the Money Money Money podcast and founder of the Glen James Spending Plan. Glen shares practical tips on saving smarter, spending wisely, and investing confidently to help first-time buyers achieve their property dreams. What You'll Learn in This Episode: The most common financial mistakes that hold first-time buyers back and how to avoid th...2025-01-3113 minHotspottingTransform Your Property Portfolio into a Reliable Retirement Income - Webinar ReplayIn this insightful recording, Tim Graham of Hotspotting is joined by Sam Wakefield, Director of Optalife Financial Planning, to uncover actionable strategies to turn your property portfolio into a steady income stream for retirement. Whether you’re planning for retirement or looking to maximise your current investments, this session provides practical advice to help you achieve financial security through smart property decisions. What You’ll Learn: Debt Reduction Strategies: Learn how to free up cash flow by managing and reducing unnecessary debt. Tax Minimisation Tips: Discover effective ways to keep more of yo...2025-01-2359 minHotspottingPerth MarketAll the key indicators suggest that the Perth boom is past its peak and subsiding. Our analysis of all the major market jurisdictions across Australia, using a range of different performance metrics, indicates that Perth will not be the leading performer on price growth in 2025 – or anything close to it. After two consecutive years as the national leader on price growth, we feel confident in predicting that Perth is unlikely to repeat that performance in 2025. Perth was undoubtedly the national leader on price growth in 2023. Its median house price rose 16 percent (the national ave...2025-01-2303 minHotspottingAdelaide AscendsIf you’re confused about what’s happening with rents in Australia, you can be forgiven. That’s especially so if you use news media as your main source of information about residential real estate. The information – or perhaps more correctly, misinformation – in news media is highly confusing and in many cases contradictory, with one headline saying the complete opposite to another. Here are two headlines that appeared on the same day, the 10th of January: The worst is over: slowest rise in rents in four...2025-01-1702 minHotspottingRent ConfusionIf you’re confused about what’s happening with rents in Australia, you can be forgiven. That’s especially so if you use news media as your main source of information about residential real estate. The information – or perhaps more correctly, misinformation – in news media is highly confusing and in many cases contradictory, with one headline saying the complete opposite to another. Here are two headlines that appeared on the same day, the 10th of January: The worst is over: slowest rise in rents in four...2025-01-1703 minHotspottingAlbanese Housing DenialThe Prime Minister is suffering from a serious case of denial if he believes that his press conference soundbite about building 1.2 million new homes is plausible, credible and achievable. Anthony Albanese had his big media event in August 2023 when he stated this objective of 1.2 million new homes in five years – but almost 18 months later it’s abundantly clear to everyone except members of the government that it’s not going to happen – indeed, was NEVER going to happen. It’s almost as if the PM and his cohorts believed that staging the publicit...2025-01-1704 minHotspottingPrice Data2025-01-0803 minHotspottingBuilding Collapses2025-01-0802 minHotspottingApprovals V ConstructionTwo very different headlines have summed up the problems for Australia’s ongoing housing shortage. One of the recent media headlines declared that building approvals were at a two-year high and that things were improving for the nation’s housing shortage. The other described why building approvals are almost irrelevant – it said that project deferrals are occurring at a record rate. The reality of the current crisis is this: it doesn’t matter how many houses and apartments are approved for construction – and it doesn’t matter how many re-zonings state governments push through or wh...2024-12-1804 minHotspottingWebinar Replay: Reflections & Projections - A Deep Dive into Real Estate Trends & ForecastsIn this insightful webinar, Terry Ryder, founder of Hotspotting, and Tim Graham, Hotspotting’s General Manager, analyze the surprises and trends of 2024 in the Australian property market and share their projections for 2025. With decades of combined experience, they provide investors with actionable advice on navigating the coming year. Key Highlights 2024 in Review Defying Predictions: Despite high interest rates and inflationary pressures, property prices rose by an average of 5.53% nationally in 2024. Perth led with an astonishing 18.7% growth, followed by regional Western Australia, Adelaide, and Brisbane. Surprise Winners: Hotspotting’s 2024 National Best Buys Report prov...2024-12-181h 03HotspottingBest Buys ResultYou don’t have to be super rich or invest $1 million to make big capital gains in residential real estate: you just need to follow Hotspotting’s signature report, the National Top 10 Best Buys report. Those who followed the tips in our report of a year ago could have made close to $100,000 in capital gains spending as little as $400,000 – or $180,000 in gains after investing $630,000. In December 2023 we published our National Top Best Buys reports for Summer 2023-34. Our top 10 locations for investors to consider covered a wide range of price points, from less than $300,000 and above...2024-12-1703 minHotspottingListings RiseThe greatest complaint heard most often in real estate across Australia is that there are plenty of buyers, but a shortage of listings. The number of properties for sale has been well short of the levels needed for a balanced market, particularly in the boom cities of Adelaide, Brisbane and Perth. But that is steadily changing. According to SQM Research, total listings of properties for sale nationwide grew 7.6% in November and are now more than 10% higher than a year ago. Perhaps most significantly, there were major rises in...2024-12-1203 minHotspottingMedia AbsurditiesThings are constantly changing in real estate nationwide but the one factor that never changes is this: we can always rely on news media to distort the facts and deliver a steady flow of misinformation to Australian consumers, all in the interests of attracting readership, with little regard for accuracy, honesty or fairness. The past week or so has been chockful of media nonsense. If you can believe the headlines, the national property boom is over, house prices are plunging, the rental boom is over and the North Queensland city of Townsville is a...2024-12-1207 minHotspotting2025 PredictionsRumours of the death of ‘the national property boom’ are greatly exaggerated – especially since we didn’t have a national property boom in 2024. Rather, over the past 12 months, we have seen differing market cycles in many locations - as is the usual state of play in real estate throughout Australia. Strong property price growth was recorded in Perth, Adelaide, and Brisbane in 2024, but not in Melbourne, Sydney, Canberra, Darwin or Hobart. Similarly, in the regional areas, there were declining and stagnating markets, as well as some where prices were showing good price growth. This...2024-12-1205 minHotspottingUnits Beat HousesHotspotting was among the first to identify and highlight the most significant change in the Australian real estate scene – the emerging trend which we document in the quarterly editions of the report titled The Rise and Rise of Apartments., published in association with Nuestar. This trend has turned upside down the dominant paradigm in real estate, that houses out-perform apartments on capital growth. There is now growing evidence that attached dwellings are mounting a strong challenge to houses. It has long been believed that land content was the big thing in driv...2024-12-0505 minHotspottingWhy a Buyer’s Agent Is a Game-Changer for Property Investors | Featuring Chris GrahamThinking of buying property on your own? 🏡 In this episode of The Property Playbook, host Terry Ryder is joined by Chris Graham, Senior Property Advisor at Australian Hotspot Advocacy, to explore why engaging a buyer’s agent could be the key to securing your next winning investment. What You'll Learn: What a buyer’s agent does and how they work exclusively for the buyer’s interests. The value of off-market properties and how buyer’s agents can provide access. Why having a professional on your team ensures due diligence and avoids costly mistakes. How to identify...2024-12-0309 minHotspottingMelbourne Market MythsMelbourne’s property market remains the great under-achiever of the nation but that may be about to change. A number of key indicators suggest better performance by the Melbourne property market is imminent. One pointer to better times is the latest Property Sentiment survey by API magazine, which recorded a major turnaround in investor attitudes towards the Victorian property market. The survey asked: Which state or territory do you regard as having the best property investment prospects for the next 12 months? Mid-year Melbourne and Vi...2024-11-2707 minHotspottingInterest Rates & PricesI have frequently highlighted the poor track record of economists in predicting outcomes in real estate markets across Australia – and in particular the embarrassingly bad record of economists working for the Big 4 banks and for other major institutions like AMP Capital. Their forecasts for house prices at the beginning of each of the past five years have been so far off the mark, it’s puzzling that the big-name economists who made these blunders have kept their jobs. Because what these outcomes mean is that these boffins have a very poor unders...2024-11-2606 minHotspottingThe Property Playbook - Shifting perspective: the key players in Australia’s housing crisisThe Property Playbook is a dynamic real estate show that empowers investors and professionals with the insights and strategies needed to achieve strong returns in the Australian property market. Hosted by Tim Graham & Terry Ryder from Hotspotting. In this episode, Tim Graham is joined by Ben Kingsley, Chair of the Property Investors Council of Australia. to discuss advocacy work for property investors amidst legislative changes and their impact on the housing market. Ben emphasises the need for balance in tenant rights and business returns and dissects the consequences of legislative changes in rental accommodation supply.2024-11-2611 minHotspottingSmart Investing Achieve More Than 6% Yield Without Compromising GrowthDiscover how to achieve the ultimate win-win in property investment: high rental yields and strong capital growth. In this replay of Hotspotting's exclusive webinar, Terry Ryder, founder of Hotspotting, and Tim Graham, General Manager, reveal key insights from their groundbreaking "Pulse Report." Key Topics Covered: The Affordability Advantage: How affordable properties can outperform prime markets. Debunking the myth that cheap real estate doesn’t grow. Top Performing Locations: A spotlight on suburbs and regional areas delivering over 6% rental yields and up to 29% growth in median prices. Examples of areas like Rockhampton, Bunbury, and Mackay that tick all the investment boxes. The E...2024-11-231h 07HotspottingVacancy Rates Remain Ultra Low It’s been 15 months since Prime Minister Anthony Albanese made his big announcement about fixing the housing shortage – but there has been, as yet, no progress in lifting rental vacancies and suppressing rental growth. The press conference making the announcement that the Federal Government would build 1.2 million new homes in five years was held in August 2023 – but more than a year later it’s clear that little progress has been made and that rental vacancies are not improving. The latest figures on vacancy rates from SQM Research shows the national vacancy rate at 1.2...2024-11-1903 minHotspottingBuilding Crisis: 5 reasons why things aren't improvingThere are multiple reasons why Australia has a housing shortage and why the numbers of new dwellings needed are simply not being built. This is something I have spoken about regularly in the past and will continue to do so, as it’s the core issue creating problems for real estate consumers of all kinds – home buyers, investor buyers and tenants. Here are the latest events and announcements which help to explain why we have a housing shortage with rising prices and rising rents, problems which are not going to be fixed in the foreseeable futu...2024-11-1909 minHotspotting20 Year Growth Rates: which areas have risen the mostIf I asked you to nominate the market which had recorded the best long-term capital growth in Australia, what would your answer be? Sydney, the capital city with the nation’s highest property prices? Perth, which has had a booming property market lately and has led the nation on price growth for past couple of years? Brisbane, which always attracts strong demand from buyers of all sorts? Or perhaps Regional Queensland, which benefits from internal migrants moving from others parts of Australia and from i...2024-11-1904 min
HotspottingThe Property Playbook - Learn the methods that can predict tomorrow’s property success todayThe Property Playbook is a dynamic real estate show that empowers investors and professionals with the insights and strategies needed to achieve strong returns in the Australian property market. Hosted by Tim Graham & Terry Ryder from Hotspotting. In this episode, Tim is joined by Hotspotting Founder and Director Terry Ryder. As an experienced real estate expert, Terry Ryder shares insights on identifying prime real estate investment locations in Australia. He introduces the Price Predictor Index, a model that predicts short-term property growth based on sales volumes. Ryder emphasises the significance of monitoring buyer activity, infrastructure investment, and...2024-11-1812 min
HotspottingInterviews with the 1% - Lisa ChapmanWelcome to a special episode of Hotspotting’s pre-recorded interview series, Interviews with the 1%, where we dive into the strategies and journeys of Australia’s top investors—the elite 0.87% who own five or more properties. Hosted by Tim Graham, this series brings you invaluable insights from seasoned investors who have achieved what many aspire to. In today’s episode, we sit down with Lisa Chapman—a property entrepreneur, investor, and co-creator of the luxury retreat, Eden Yarra Valley. Lisa shares her journey from a high-powered corporate career to becoming a full-time property entrepreneur, carving a unique niche in the acc...2024-11-1434 min
HotspottingUncover Hot Markets & Emerging Opportunities in Commercial Real EstateHost: Terry Ryder, Founder of Hotspotting.com.au Guest: Steve Palise, Commercial Property Expert and Founder of Palise Property In this insightful webinar, Terry Ryder sits down with Steve Palise to explore the exciting world of commercial real estate. With decades of combined experience, Terry and Steve unpack key trends, strategies, and opportunities in non-residential property investment. Whether you’re a seasoned investor or just starting to consider commercial property, this session is packed with actionable insights. Topics Covered: Why Investors Are Turning to Commercial Real Estate: Higher yields, flexibility, and unique financing op...2024-11-1457 minHotspottingBuilding TimesThere are many reasons Australia has a dwelling shortage and affordability problems – including the increased time it takes to build a new home. In recent years, it typically took around nine months on average to build a house in Australia. Today it takes 13 months. It’s worse for businesses which are constructing apartment complexes. Recent analysis from Master Builders Australia has revealed that building times for detached homes and apartments have almost doubled – with a consequent impact on costs. Master Builders says: “It shouldn’t take this long to build a home”....2024-11-1203 minHotspottingQueensland Tops, Victoria DropsIt’s long been the case that the two most populous states, New South Wales and Victoria, have attracted the highest levels of property investment – just by sheer weight of numbers. But Victoria has lost its spot among the big two of property investment and is now being overtaken by Queensland. Meanwhile, Queensland now leads the nation is overall real estate transactions, including purchases by both home-buyers and investors. This is despite Victoria having a population of 7 million, versus 5.5 million in Queensland. It provides further evidence that investors are deserting Victoria beca...2024-11-0603 minHotspottingRents Aren't Plummeting — Don't Be Misled!Whenever I’m asked for my rules for successful investing, I usually begin my response with this: Rule One – stop reading newspapers. Expressed in a more 21st Century context, stop treating media soundbites as research. People who base their investment decisions on the white noise in news media are running the risk of making very bad moves in the market. My observation of the content of news media coverage of residential real estate is that there is far more misinformation than real, accurate, reliable information. In modern media it’s all about...2024-11-0506 minHotspottingLocal Economy Fuels Property BoomAt Hotspotting we believe real estate markets are local in nature and are subject to the strength or weakness of the local economy. While economists cling to their kindergarten theory that markets are essentially driven by interest rates, the stark differences in local markets across Australia suggest that there is something more powerful in play. If it were true that high interest rates mean prices will fall, then everywhere in Australian would have falling property prices in 2024, which is what major bank economists and others like them predicted at the start of the year. 2024-11-0503 minHotspottingProperty Powers Australia’s Wealth SurgeHousehold wealth in Australia keeps rising and it’s residential property that’s responsible. The latest figures from the ABS show that overall household wealth has increased for the seventh consecutive quarter. It rose a further 1.5 per cent in the June quarter to a record $16.5 trillion, driven primarily by property assets. Total household wealth is now 9.3 per cent higher than it was a year ago, driven by residential land and dwellings. Of the 1.5 per cent rise in the June quarter, 1.3 percentage points was attributed to residential property – our homes and investment propert...2024-11-0502 minHotspottingBuying New v Buying Established Webinar ReplayEveryone seeking real estate in desirable locations has the same complaint: the lack of stock. Home buyers, investors, buyers’ agents and selling agents are all being frustrated by the shortage of listings of properties for sale – particularly quality options. Leading national buyers’ agency Adviseable says a partial solution for buyers is to consider building from scratch rather than buying an established property. The tactic has many advantages – and one or two problems as well. Alex Dutt of Adviseable says deciding whether to buy an established property or to go down the new construction route is not alwa...2024-10-301h 03HotspottingThink Twice: Negative Gearing MythsIn my experience, most people who have a loud view about scrapping negative gearing are people who can’t explain what it is, how it works, why it’s bad and how ending it would solve all the problems in the housing industry. Mostly, what’s in play with this issue is THE POLITICS OF ENVY – that nagging feeling some people have, that others are doing better than they are, or are receiving benefits that they are not, and therefore need to be squashed. As a famous Indian guru once observed, some people try to be tall...2024-10-2907 minHotspottingRising Rents, Real ReasonPoliticians and journalists love to scapegoat and demonise, particularly with issues impacting housing markets – with property investors always a popular target. Australia’s love of scapegoating is one of the reasons the nation seldom resolves any of the key issues it faces. Politicians hold press conferences, they stage inquiries, they bring on royal commissions, they make announcements – but the recurring theme is looking for someone to blame and to vilify – preferably someone other than themselves. In real estate, investors and related issues like negative gearing are blamed for all the problems afflicting the housing...2024-10-2905 minHotspottingRental Crisis DeepensHow long could we reasonably expect governments to take, to sort out a problem like the rental shortage? I ask the question because we have had the problem of a shortage of options for tenants in Australia – and the consequent steep rises in rents - for a very long time. And it keeps getting worse, not better. The latest data from SQM Research shows that, nationally, the vacancy rate got a little worse last month, dropping from 1.3% in August to 1.2% in September. Three of our capital cities have vacancies well below 1%....2024-10-2506 minHotspottingStop the Distraction: Negative Gearing Isn’t the Real IssueThere is one thing that Australian politicians are really good at – possibly the only thing - and that is diverting attention from the real issues and scapegoating others for the problems that they, the politicians, have caused. Right now, the core issues impacting Australian households include the housing shortage, the high cost of creating desperately needed new homes, the chronic rental shortage and the reality that rents keep on rising. It’s noteworthy that the recent AGM of the Commonwealth Bank reported that they have had to provide emergency payment arrangements to 132,000 customers who are stru...2024-10-2504 minHotspottingAlbo's Housing HypocrisyAustralia is struggling with a number of crisis situations – a cost-of-living crisis, a housing affordability crisis and a rental shortage crisis. Our beloved Prime Minister Anthony Albanese has declared on many occasions how much he cares about the plight of ordinary Australians in dealing with these issues. But, as the old saying goes, actions speak louder than words – and that is particularly relevant to our elected representatives who love to stand before the media cameras and declare their concern for the people but fail to match their words with appropriate actions. So, let’s look...2024-10-2505 minHotspottingWhy Affordable Outshines Prime in Real EstateResidential real estate abounds with fallacies and misconceptions, mostly created by dishonest politicians, biased journalists and economists who don’t understand property. One of the biggest is the one that claims that so-called prime property shows the best capital growth. A year ago I attended a national conference for real estate professionals at which a keynote speaker expressed the view that you had to buy “prime” to get good capital growth – and indeed proclaimed that if you couldn’t buy prestige property you shouldn’t buy at all – or at least wait until you could afford somethi...2024-10-2505 minHotspottingPoliticians Are Making Aussie Homes Unaffordable—Here’s HowThere’s endless commentary about housing affordability in Australia but very little awareness that the fundamental issue is the high cost of creating new homes – and that our politicians are the cause of the problem. The value of dwellings across the nation is underpinned by the cost in building new ones – and, in Australia, that cost is incredibly, ridiculously high. And it’s high because of the policies of our elected representatives, at all levels of government, but particularly state government politicians. Right now, after massive increases in building costs in recent years, you cann...2024-10-1806 minHotspottingIs Population Growth Misleading for Property Investors?How relevant is population growth data for people choosing where to buy? According to the theories espoused by some, the best places to buy are the ones with the highest population growth. But the evidence suggests otherwise. For example, take a look at the latest data on population growth across Australia, published by the ABS recently. It shows that one of the states with the highest population growth has been one of the worst performers recently on price growth, while one of the states with the lowest population growth has been...2024-10-1803 minHotspottingHome Approvals Drop as Australia Faces Housing ShortageThe latest Australian Bureau of Statistics data has recorded a decline in the number of dwelling approvals across the country. Total dwelling approvals saw a drop of 6.1 per cent in the month of August, at a time when Australia needs to be building a lot more homes. According to ABS head of construction statistics, Daniel Rossi, private dwellings excluding houses were the main contributor to the decline – in other words, there has been a big decrease in approvals for attached dwellings like units and townhouses. This has resulted in a 16.5 per cent fall in...2024-10-1804 minHotspottingUnit Surge Powers Sydney MarketThe rise and rise of the unit market is keeping the Greater Sydney market busy, although below the exceptional levels seen in some of the other market jurisdictions across Australia. Unit markets are considerably more positive than house markets in our most expensive capital city and the market share of attached dwellings continues to rise. In our latest analysis, well over half of all residential sales across Greater Sydney are attached dwellings. In most of the Greater Sydney municipalities where sales activity is strong, it’s the unit markets that are most active. Out...2024-10-1604 minHotspottingPatchy Growth in Regional NSWThe Regional New South Wales market overall is solid, without excelling at the levels seen in other regional areas like Queensland and Western Australia, but with individual out-performers. There is hesitancy in the Regional NSW market overall. It has a high number of locations where buyer activity is lukewarm and price performance below the levels seen elsewhere in the nation. It’s noteworthy, however, that Regional NSW has seen better performance in its unit markets than its house markets, which is part of a national trend. Overall sales levels have improved, continuing a pa...2024-10-1603 min
HotspottingSecond-Wind Markets: Strategies for Savvy Investors - Webinar ReplayAre you ready to capitalise on Australia’s next big wave of growth? Join us for an exclusive webinar hosted by Tim Graham of Hotspotting.com.au with special guest Zen Christofi of Reventon as we dive into Second-Wind Markets: Strategies for Savvy Investors. In this insightful session, you’ll discover: What are Second-Wind Markets? Gain a clear understanding of post-boom correction phases and why some markets are positioned for renewed growth. National Overview of Second-Wind Markets Explore key factors driving the resurgence of these markets, from interest rates to ho...2024-10-161h 01HotspottingMillion Dollar HotspotsHousehold wealth in Australia keeps rising and the key reason for that is residential property – which accounts for 68 per cent of the total wealth of Australian households. New data from the Australian Bureau of Statistics (ABS) shows that total household wealth has reached $16.5 trillion. Now, that number doesn’t mean much to the average observer, so here are some other numbers that give it some context. That household wealth figure represented a 1.5 per cent rise in the June quarter and the current level of the highest on record. It’s 9.3 per cent h...2024-10-0903 minHotspottingANZ's Late Price GuessANZ, the worst forecaster on property price outcomes in the nation, has just published its forecasts for what will happen with house prices in 2024. Yes, that’s right. They’ve published, in October, forecasts for house prices this year, a couple of months before the end of the year. Why have they done this? Because it’s the only chance ANZ has of getting it right with its property price forecasts. Essentially what it has done with these “predictions” is take the existing situation and extrapolate it two months into the future. So, you...2024-10-0803 minHotspottingUnit Surge UnstoppableThe biggest paradigm-changing trend in Australian real estate, the rise and rise of apartments, is confirmed by the latest price data from the usual suspects – and is reflected in our choices for the latest edition of our most popular report, the National Top 10 Best Buys report. The latest price data from CoreLogic shows that unit prices are rising faster than house prices. While news media, in its predictable fashion, focussed on the perceived negatives in the CoreLogic Home Value Index published in October, my analysis of the figures is that they provide further evidence that ri...2024-10-0803 min
HotspottingMastering Property Management in Today's Market with Corinne Bohan of Image PropertyJoin us for an insightful and essential webinar hosted by Terry Ryder, Founder of Hotspotting, and Corinne Bohan, Managing Director of Image Property, as they dive into the crucial role of professional property management in today’s rapidly changing rental landscape. In this engaging session, you'll discover: Building Your Winning Team: Learn why investors must focus on assembling a strong management team before growing their property portfolio and how a first-rate property manager can be a game-changer, especially in the face of evolving regulations. Navigating the Rental Market: Gain expert insights into the la...2024-09-2440 minHotspottingPrice Predictor Index Spring Edition: Units ThrivingThe new Spring edition of The Price Predictor Index provides emphatic confirmation of the most compelling trend in Australian real estate: the escalating demand for apartments and their challenge to houses on capital growth performance. We have been speaking about the rise and rise of apartments for the past 18 months and there is a growing body of evidence which confirms that more and more buyers are opting for attached dwellings: units, apartments and townhouses. Our analysis of sales activity data for the latest quarter for the Spring edition of The Price Predictor Index reveals that...2024-09-1905 minHotspottingCanstar: The Dream Is AliveAffordability is the most-debated and the most confused issue in residential real estate. While the rental shortage and rising rents occupies the minds of many, the property issue that occupies the most space most often in news media and in the minds of Australian consumers is housing affordability. It has been this way for years, indeed for decades. And while the so-called Great Australian Dream is often declared dead, with young people doomed to a lifetime of renting, the evidence suggests otherwise. I recently finished working on a report with financial comparison website...2024-09-1305 min
HotspottingThe Art of Buying Against the Grain with Arjun Paliwal of InvestorkitIn this episode of the Hotspotting Podcast, Tim Graham sits down with Arjun Paliwal, the Managing Director of Investorkit and a two-time REB Buyers Agency of the Year winner. Arjun shares insights on his unique approach to property investment, focusing on "buying against the grain." Here are some of the key topics discussed: Episode Highlights: Introduction to Arjun Paliwal: Arjun kicks off by talking about his journey in the property industry, how he scaled Investorkit, and the importance of innovation in finding investment hotspots. The Concept of 'Buying Against th...2024-09-1039 minHotspottingListing LeapAustralian real estate has been characterised by three different types of shortage which have put upward pressure on rents and prices. Those are the shortage of rental properties, the shortage of new dwellings under construction and the shortage of homes listed for sale. While the shortage of rental homes and the under-supply of new homes persists, there has been recent improvement in the number of homes listed for sale by vendors. SQM Research finds that the number of residential property listings nationwide rose by 8% in August, bringing the total to almost 250,000 properties, up...2024-09-0903 minHotspottingAirbnb FurphyState governments across Australia have no meaningful policies for easing the chronic under-supply of rental properties – but they do have a talent for using the rental shortage as an excuse to raise extra revenue from the housing market. One of the primary tactics they use is to scapegoat a section of the community and blame them for the problem that they, the politicians, have created – and then hit the demonised group with new taxes and pretend that they’re doing it to deal with the rental shortage. The worst offender in this regard, although not the on...2024-09-0904 minHotspottingCoreLogic IllogicCoreLogic is one of Australia's leading sources of data on residential real estate matters, although increasingly overshadowed by other, smarter data organisations like PropTrack. CoreLogic has lots of statistics about housing markets but when it comes to analysis and commentary, CoreLogic is very often a source of illogic. Their problem, like so many companies that comment on Australian housing markets, is that they employ economists to analyse real estate and the outcome very often is kindergarten analysis. Here’s a recent example: According to CoreLogic’s Regional Market Update, property markets outsi...2024-09-0404 minHotspottingPerth Property ShiftPerth is moving into a new phase in its property boom, with more and more buyers opting for units as houses become more and more expensive. The latest sales data shows that the strongest markets in Perth are well-located locations with a major presence of attached dwellings. While the most popular house markets for home buyers and investors (mostly those at the affordable end of the market) are a little less buoyant than earlier in the Perth up-cycle, the focus is switching to affordable units. Perth started this boom with a reputation as...2024-09-0404 minHotspottingAdelaide’s Market SurgeAdelaide’s property market, one of the nation’s strongest in the past two years, has strengthened further recently. ales volumes shows that market activity in the June quarter was the highest for Greater Adelaide since mid-2022. The June Quarter sales levels represented a 25% increase on the March Quarter and were 10% higher than the same time last year. This is despite the reality that listings of homes for sale across Adelaide are the lowest at any time in the past 15 years, according to SQM Research figures. This continues Adelaide’s track record...2024-09-0406 minHotspottingInvestor Market ShareOne of the greatest misconceptions in the housing market is that property investors are the people who cause property prices to rise. The evidence confirms that this is a major piece of misinformation but some sections of politics and news media love to perpetuate this fiction. And, as an extension, use it as justification for advocating the end to negative gearing. Some people appear to believe that eliminating negative gearing tax benefits will fix all the problems in the property market: rising prices, housing affordability generally, the shortage of new homes, the rental...2024-08-2904 minHotspottingExodus Trend 2024The trend we call the Exodus to Affordable Lifestyle is among the most powerful forces impacting real estate markets across Australia. It’s a trend that been around for at least the past 10 years, with more and more residents of the biggest cities relocating to smaller cities or regional areas in search of a different and more affordable lifestyle, empowered by technology which allows many people to work remotely. It was NOT created by the Covid lockdowns. It was under way long before Covid appeared in 2020 and it continues to have considerable momentum now that we...2024-08-2904 minHotspottingPoll Fixing CrisisTop economists are unanimous in believing Australia's housing market is in crisis, according to a new poll. And I have to say, Wow, we had to go to a group of “top economists” to achieve that startling revelation. It comes from a survey in which the Economic Society of Australia offered these top economists a choice of 14 measures identified by as likely to restrain prices for buyers and renters – in other prevent property prices and rents from continuing to rise. Therein lies the first problem: they polled economists rather than real estate experts. 2024-08-2905 minHotspottingState of the States: Local Economies, Local PricesA question I get asked more than any other is where I see the Australian property market heading in the next 12 months OR what I expect to happen with Australian property prices this year or next year. And the answer I provide is usually delivered in multiple parts. Firstly, there is NO Australian property market. Although economists and journalists often refer to “the Australian property market” and predict what will happen with “Australian property prices”, the reality is that there is no such entity as the Australian property market. Secondly, what I expect...2024-08-2205 minHotspottingThe Pulse August 2024Contemplate this scenario: you buy a capital city house for $380,000 and a year later it has a market value of $530,000. Up 40% in 12 months, providing a capital gain of $150,000. Or this one: you paid just $240,000 for a house in a regional centre and a year later it’s worth $325,000 – up 35% in 12 months. And you’re getting a rental return above 7%. A third example is paying $380,000 for a house in a capital city and watching it grow to $480,000 in 12 months. Meanwhile, rents have grown 25% in your suburb, underpinned by a vacancy rate of 0.4%, and your rental return has in...2024-08-2206 min
HotspottingSuper Strategies – Building Wealth and Reducing Tax for Investors - Webinar ReplayAre you ready to take your superannuation to the next level? Join us for an exclusive webinar designed to help you leverage your superannuation for maximum wealth creation and tax efficiency. Super Strategies – Building Wealth and Reducing Tax for Investors In this insightful session, we’ll cover: 📖 Actionable strategies to grow your super 💰 Techniques to reduce your tax load 🏠 Methods to harmonise your super with other investments Whether you're a seasoned investor or just starting out, this webinar will provide you with the knowledge and tools to make the most of your...2024-08-2156 min
HotspottingWhy Property Investors Should Complete the PIPA Survey and Join PICA Episode Overview: In this insightful episode of the Hotspotting podcast, Tim Graham sits down with Ben Kingsley, the Chair of the Property Investors Council of Australia (PICA), to discuss the vital role that property investors play in shaping the future of Australia's real estate market. Ben provides an in-depth look at the importance of the PIPA Annual Investor Sentiment Survey and how it captures the pulse of the property investment community. Key Discussion Points: Importance of the PIPA Survey: Ben highlights why the PIPA Annual Investor Sentiment Survey is a...2024-08-1424 minHotspottingHome Ownership Dream ThrivesThere are two opposing story lines circulating in news media about Australian real estate ownership. One story line, repeated regularly by media, is that the Great Australian Dream is dead and that young Australian adults can no longer afford to buy homes. The other one, revealed whenever the Australian Bureau of Statistics releases official data on real estate finance, tends to suggest that the dream is very much alive – and indeed thriving. In fact, the latest lending figures show major increases in buying activity by all types of real estate consumers, including first-home bu...2024-08-1305 minHotspottingRegional Victoria's Second-Wind MarketsThe markets currently attracting our focus at Hotspotting are the ones we call “the second wind markets”. These are locations which experienced strong capital from 2020 to 2022, have been in the post-boom pause/correction phase for the past 18 months or so, and are now poised for another period of price growth. There are few better places to find second-wind markets than Regional Victoria, as many of the key centres have exhibited that pattern over the past 3-4 years and are now showing the early signs of revival. Many of the suburbs of Ballarat are clas...2024-08-1303 minHotspottingMelbourne Market: Confusion or Opportunity?You can be forgiven for being confused about the Melbourne market. On the one hand, news media is full of stories about investors shunning Australia’s largest city because of draconian taxes and policies by the nation’s worst state government. There are also frequent articles about the lack of price escalation in Melbourne markets, at a time when many other capital cities are delivering stellar capital growth. But this is balanced by the analysis from those who believe Melbourne to be a prime opportunity for buyers to get in early in a grow...2024-08-1303 minHotspottingRise of UnitsThe trend we have termed “The Rise and Rise of Apartments” continues to pick up pace. Across Australia, more and more buyers are opting for attached dwellings for lifestyle, for affordability, for convenience and for safety. One of the features that draws growing numbers of buyers (and tenants) to apartments is location appeal. Not only do attached dwellings allow people to access property in good locations at cheaper prices than houses, but the average unit is better located than the average house. A report titled “Measuring Home Price Differences” by Infrastructure Victoria has found that units co...2024-08-1305 minHotspottingGreens Housing PoliciesThe official data shows that the cornerstone of the financial wellbeing of most Australian households is the family home. Over two-thirds of the household wealth in this country is residential property and, for most of them, this means their home - as most people don’t own investment properties. The family home is the foundation of the financial security of most people and its value underpins people’s lives and their sense of security - and, in particular, their retirement. The good news is that household wealth nationally grew 10% in the past year and...2024-08-0608 minHotspottingThe Rental Shortage We DeserveThere are many unhappy aspects of the rental shortage crisis that has afflicted Australia for several years and is likely to continue for many years into the future. But the saddest thing of all about this unprecedented calamity is that Australia deserves the pain it’s experiencing on this issue. Firstly, there’s the old adage that we get the politicians we deserve. And the politicians we’ve elected – at both state and federal levels - have created the rental shortage through a series of bad policies. They keep making it worse wi...2024-08-0604 minHotspottingGold Coast ShortageThe reality of the nation’s serious under-supply of homes is made starkly obvious by the emergence of shortages in the location best known for bouts of major over-supply. The Gold Coast, which traditionally has delivered weak capital growth because of regular periods of over-supply of high-rise apartments, these days has the opposite problem. The Gold Coast has been trending towards under-supply for the past 2-3 years and it’s getting worse - and will continue to do so for the foreseeable future. The Gold Coast has long been one of the nation’s most...2024-08-0603 minHotspottingHow Service Stations Can Fuel Your Investment PortfolioGreat property investments can be defined in different ways. Here’s a definition that will resonate with many investors:- A long-term lease to an international tenant, a high net rental yield and potential for capital growth from a property that occupies a large block in a high-profile location. It’s credentials like those that make service station properties so highly sought by investors who understand the fundamental benefits of commercial property. Real Estate Investing for reliable Income + Capital Growth Residential v Commercial property – Pro’s and Con’s Accessible Commercial Property I...2024-07-3157 minHotspottingVacancies Set To Remain Low For YearsThere really is no realistic prospect of rental vacancies rising significantly any time soon, which is grim news for tenants in most parts of Australia. Vacancy rates continue to be close to those historic lows that have become the norm in the past couple of years and I can’t see any way they will improve in the foreseeable future. The politicians who have created this unprecedented shortage of rental properties are clueless about how to fix their mess – and most of their actions which impact on the situation make it worse, not better. T...2024-07-2203 minHotspottingShortage Crisis To Drag OnThere will continue to be upward pressure on prices and rents for the foreseeable future, with no end in sight for the imbalance between supply and demand in residential property markets across Australia. National valuation firm Herron Todd White reports that, nationally, home prices have increased for 17 consecutive months and the median home price is now $784,000. According to Oxford Economics, the nation’s housing supply and affordability crisis is likely to deepen and will remain a “chronic” issue for years to come. Oxford Economics is predicting we will fall well short of the Federa...2024-07-2204 minHotspottingBiggest Growth In 3 YearsReal estate consumers tend to place their attention on the markets receiving the most media headlines, which primarily are the ones that have shown the biggest growth in the past month or the latest quarter or year. But that is not the best measure of which locations have been showing the best growth. To get a better picture of locations that out-perform, you need to look at longer time frames, such as the past THREE years, not the past week or the past month as media tends to do. News media continues to o...2024-07-2204 min
HotspottingHow To Create A 6 figure Passive Income Safely Webinar ReplayIt’s the dream for many Australians: an annual income above $100,000 without working. It sounds too good to be true, but with sensible – and safe – investment strategies it’s possible. And it can be done in less than 10 years. Investment expert Danny Buxton says investors can steadily build a portfolio of six properties and give themselves multiple options to create a six-figure passive income. He has done it himself and clients of his business Triple Zero have achieved it. “There are different ways you can do it,” Buxton says. “We do it with new-build prop...2024-07-1759 minHotspottingTrue Cost of Housing Taxes, Fees and ChargesFor a long time I have argued that housing is expensive in Australia because politicians have made it so – AND keep making decisions that add to the cost. The value of all residential real estate in this country is under-pinned by the cost of creating new dwellings – and those costs keep rising, way beyond the rate of inflation. One of the biggest elements in the cost of new homes is the taxation component. The research shows that a massive share of the cost of creating a new dwelling in Australia is taxes, fees and...2024-07-1704 minHotspottingDrop in Listings of Homes for SaleEconomists don’t understand residential real estate very well and they’re scratching their collective heads over why prices keep rising when interest rates are high. Here’s a couple of simple things to help them out: one is that, historically, there’s no evidence that rising interest rates lead to falling property prices. There’s nothing unusual about what’s currently happening in Australian property markets. But the key factor is that we have very high demand for real estate, fuelled by record population growth, at a time of incredibly low supply. The rental sh...2024-07-1704 minHotspottingBrisbane and QueenslandBrisbane and Queensland increasingly are emerging as the property market destination with leading metrics pointing to out-performance in real estate. A couple of months ago Hotspotting published its annual report with Australia’s largest comparison website Canstar - the one we call Rising Stars – which analyses the capital city and state regional markets across Australia and ranks them for future growth prospects based on five key metrics. And the leading market jurisdiction to emerge from that process was Queensland, including both Brisbane and Regional Queensland. The Sunshine State has also, more recently, achieved nati...2024-07-1704 minHotspottingHousehold WealthThe latest government data shows that household wealth in Australia continues to rise and residential property is the main reason for that. New data from the Australian Bureau of Statistics has shown that the wealth of Australian households has risen for a sixth consecutive quarter, with residential land and house prices the largest contributor. The ABS figures indicate that household wealth on average increased 2.7 per cent in the March Quarter. In raw numbers, our collective wealth increased by $431 billion - to reach over $16 trillion. Those numbers are probably meaningless to most p...2024-07-0802 min
HotspottingThe Current Lending Landscape with Lucky Velasquez - Webinar ReplayUnlock the Secrets to Securing the Best Loans in Today’s Market! Whether you are an investor, real estate professional, financial planner, buyer’s agent, or investment advisor looking to navigate the complexities of the current lending landscape? Join us for an exclusive webinar that will equip you with the knowledge and tools to secure the best loan products and deals available today. Hosted by: Tim Graham, General Manager of Hotspotting with special guest Lucky Velasquez, CEO of financebetter Webinar Highlights: Shopping for Policy vs. Rates: Learn how to pr...2024-07-0558 min