The Urban Property Investor
The Urban Property Investor podcast with host Sam Saggers brings together the latest news, strategies and ideas to help grow your personal wealth from investing in real estate. With a major premise to help you join the 1% of people who achieve financial independence, Sam Saggers advocates ways to replace your income, invest in property and retire rich using trends that form part of the urban landscape. The Urban Property Investor Podcast uncovers answers to the critical “what” “why” “where” and “how” of investment using behavioural economic insights into how everyone can prosper in the cities of tomorrow as investors of today. This podc...
AI & The Future of Property Investment
In this episode, explore the intersection of AI and real estate investment, how innovation and technology is reshaping the industry and why you need to take notice. Uncover the potential of AI tools to enhance productivity, streamline property analysis, and improve investment decisions.
Get all the tools you need to level up and stream line your investing career, hear what the future of the Australian market may look like and make life easier. Tune into episode 259 of The Urban Property Investor now!
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00:00 - Introduction to AI in R...
The Migration of Money Effect
Money within the Australian real estate market is about to have a big shift. In this episode we uncover the strategies for investing through this new market, the importance of understanding different markets, and how to effectively migrate money to maximize returns.
Understand the significance of market cycles, local factors influencing growth, and the emerging trends in various Australian cities, particularly Brisbane and Melbourne. If you want to get ahead of the next curve, be sure to listen to episode 258 now!
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00:00 - Introduction to Real Estate Weal...
Rates Drops Ahead and Buyer Demand
Get yourself in the right position and ahead of the next wave, the Australian real estate market is destined for another boom due to low supply and easing interest rates. A significant housing supply shortage is predicted, with 400,000 homes not being delivered by 2029. On top of that, first home buyers are ready to step into the market with low deposits.
The market is changing, the rules evolving, stay the course and find your way to a financially free future. Take notes and listen to episode 257 of the Urban Property Investor now!
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A Tax On Unrealised Capital Gains
'The Australian Property Game' is my new book and we’re here to discuss it. We also dive into the current political landscape in Australia, the roles of government in wealth creation and the challenges posed by recent policies.
It’s super important to take the mantle in navigating the cost of living crisis and understand all the changes coming your way. Become an investing professional by listening in and learning how to prepare your investing game for the future.
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00:00 - Introduction and Personal Update
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Busting the Biggest Myths in Australian Real Estate
Stop believing the hype! This week we bust the biggest myths in Australian real estate in this can't-miss episode. Learn the truth about property value growth, market research, identifying good investments, and why herd mentality can cost you.
Discover why it's never too late to get started with the right knowledge. Uncover where you could increase gains and lower costs. Tune in for all your pro investing tips now!
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00:00 - Introduction to Myth Busting in Real Estate
05:46 - The Myth of Linear Property Value Grow...
Cracking the Code on Loan Strategy
In this episode we delve into the critical role of finance in real estate investment, discussing the importance of understanding debt, capital deployment, and the various loan structures available to investors. Understanding the distinction between good and bad debt, the implications of interest-only versus principal and interest loans, and the journey from negative to positive cash flow.
You won’t want to miss any of the strategies laid out for building a sustainable property portfolio. Learn to navigate the hardest part of investing like a pro and take notes. ‘Cracking the Code on Loan Strategy’ episode...
Boom or Balance? Brisbane’s Property Trajectory
In this episode, we dive into the current state of the Brisbane real estate market, exploring key indicators, trends, and the significant impact of the upcoming 2032 Olympic Games.
From topics like the unique position of Brisbane in the real estate cycle, the effects of population growth and migration, and the dynamics of the rental market. We highlight the ongoing infrastructure developments and the challenges related to housing supply, providing valuable insights for potential investors. Put your money into Brisbane and find out why on this episode. Tune in to episode 253 of the Urban Property Investor no...
The Hard Part of Financial Freedom
In this episode of the Urban Property Investor, explore the journey of becoming a successful property investor. From the importance of emotional fitness, financial literacy, to the challenges of navigating uncertainty in investment.
I introduce a financial model that emphasizes the leap from 'freedom from' to 'freedom to', highlighting the need for personal responsibility and decision-making in achieving financial abundance. We cover many various wealth-building areas in this episode, it’s all here. If you want to make more money in 2025, tune in now!
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00:00 - The Leap o...
Property Cycle Dynamics
As a property investor you want to be able to identify market influences and the intricacies that motivate market change. In this episode we discuss the importance of understanding equity, supply and demand dynamics, and economic conditions that affect property values.
We dive deep on the need for investors to be proactive in managing their investments, particularly in recognizing market peaks and troughs to preserve capital and maximize gains. You don’t win the game of property by yourself, listen in and get all the tips and tricks the pros are using.
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How Will This Election’s Policies Shape Our Markets?
In this episode we discuss the upcoming Australian federal election and its implications for the real estate market. Digging deep on the policies from major parties, and how they aim to address the challenges faced by first home buyers and the overall housing supply. It starts with construction workers and apprenticeships for tackling the supply issues. Will the parties do anything about it?
Take control of your financial future, and make informed decisions. Understand what the future of investing could be for Australia after the election. This nail biter of an episode is one to n...
The 11 Principles of Land Value
In this episode of the Urban Property Investor dive into the essential principles of real estate investment, focusing on asset selection and the economic factors that influence land value.
Outlining key principles such as supply and demand, anticipation, balance, and so much more! Each principle is explored in detail, providing listeners with a comprehensive understanding of how to make informed decisions in property investment to achieve financial freedom. These 11 principals of land value will help level up your investing game. Tune in now!
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00:00 - Introduction to Real...
Understanding Household Advantages and Disadvantages
In this episode of the Urban Property Investor, dive into the concept of household advantage and disadvantage in real estate. Learn the socio-economic factors affecting property investment, particularly in the context of the current cost of living crisis in Australia.
We also introduce the Household Advantage and Disadvantage Index (IHAD) as a tool for analyzing suburbs and making informed investment decisions. This episode has all the information, strategies and tools to make well informed investing decisions to better help your portfolios in 2025.
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00:00 - Introduction to Household Advan...
The Economic Tug-of-War: Trade Wars & Trump
America is making global economical changes, and rapidly. What are the implications of the New World Order on the Australian economy? Focusing on tariffs, corporate America, and the challenges posed by government debt, this episode has all the information you need to know .
We also explore how these factors influence property investment and the importance of innovation in driving economic growth. Also touching on Australia's economic landscape, interest rates, and the need for industry rebirth to ensure a sustainable future. Tune into episode 247 of the Urban Property Investor.
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<...How Beliefs Shape Markets

Discuss the psychology of real estate investment, focusing on how human behaviour and beliefs impact market cycles and investor decision-making in this jam packed episode of the Urban Property Investor.
Get an understanding on how pockets can boom and how you can identify the next one, so that you can make the right investing decisions. Make moves like the pros on episode 246.
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00:00 - Understanding Real Estate Psychology
05:45 - The Cycle of Belief in Real Estate
12:59 - Market Sentiment vs. Value
20:13 - N...
Double Your Cashflow: The 8 Economic Theories of Rent
In this episode, get a crash course into the intricacies of cashflow in real estate, with tips from a pro highlighting the importance of understanding economic principles that drive rental growth.
We run through many theories, including market rent theory, bid rent theory, and tenant rent gap theory, all to provide insights on how property investors can maximize their rental income and achieve positive cashflow. This episode is one that you won’t want to miss, learn these theories and double your cash flow.
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00:00 - Understanding Cashflo...
If People Have No Money, How Will Real Estate Grow?
If people have no money, how will real estate grow? In such a condensed market, as investors we have to take opportunities that are presented to us. Explore the many ways of creating capital growth in real estate, focusing on consumer surplus, interest rates, wage growth, and various strategies for identifying growth opportunities.
Understand the impact of affordability crises and understand how to buy in this convoluted market. This episode is a perfect helper for navigating the busy markets of 2025, listen in and take some notes for episode 244 of the Urban Property Investor.
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The Real Estate Wealth Engine
Do you want to level up your investing strategies and portfolio? In this episode learn how to build a portfolio that includes both stable buy-and-hold properties and riskier investments to accelerate wealth accumulation with an expert guide. We talk about the concept of dumbbell investing in real estate, emphasising the importance of balancing risk and reward in property investment.
Episode 243 covers strategies for all investors looking to improve their craft and get ahead to reap the rewards. Don’t miss out, and tune into the Urban Property Investor.
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Why Some Property Investments Won’t Survive past the Next Decade
In this episode of Urban Property Investor, we discuss the evolving landscape of property investment, talking on the importance of preparing for future challenges, particularly those posed by climate change.
We explore the concept of climate valuation and its potential impact on property prices, as well as the necessity for sustainability in real estate. Investors must consider these factors to ensure their investments remain viable and valuable in the long term. Keep your portfolio safe and listen to episode 242.
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00:00 - Introduction to Urban Property Inves...
The Next Mini Boom
Get ahead of the curve and find the next mini boom to sky rocket your portfolio in this new podcast episode. We discuss the current state of the Australian real estate market, focusing on the mismatch between demand and supply.
Diving into factors such as immigration, interest rates, and construction costs are influencing property prices. We set predictions on interest rates and supply shortages, so if you want an expert inside scoop now is the time. Listen to episode 241 of the Urban Property Investor now!
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The Next Property Hotspots

Are you looking for the next big property market? Find the next big thing by exploring the concept of desire lines in real estate, and how demographic shifts, particularly among millennials who are influencing property demand.
There’s a rise of urban villages, coastal suburbs, and feeder cities as key areas for investment. Listen in to this episode and find out just how the pros are going to take advantage of these booming markets.
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00:00 - Understanding Desire Lines in Real Estate
02:28 - The Imp...
How Society Keeps You Broke

This week we discuss the growing contrast of wealth in Australia and the challenges faced by property investors and the broader economic landscape. Explore the implications of lifespan, work span, and health span on financial planning and wealth accumulation. All the way from the significant wealth transfer expected in the coming decade, to individuals being unprepared for the financial realities of aging and economic shifts. This episode is full of insights into becoming a better property investor. Tune in now!
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00:00 - The Dichotomy of Wealth in Australia
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The Cure To Anxious Investment
Do you get anxious about investing in property? You're not alone. Join us on the new episode of The Urban Property Investor, where we'll discuss how to invest in property even if you have anxiety.
We'll share tips and strategies for making informed decisions and managing your anxiety so that you can invest with confidence. Tune in and learn how to overcome your anxiety and become a successful property investor.
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00:00 - Understanding Anxiety in Real Estate Investment
10:11 - Predictability and Risk Management
Recycling Your Borrowing Power

Do you struggle with lending? This episode discusses the challenges of capital deployment in real estate investment, emphasizing the importance of having a clear strategy and understanding various investment structures, including trusts.
Learn the necessity of leveraging capital growth and rental growth plans to build a successful property portfolio, while also addressing the complexities of current lending regulations, benefits, and drawbacks of using trusts for property investment. You won’t want to miss a thing on this jam packed episode. Be the best investor you can be, and listen now.
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Hunting Hidden Real Estate Hotspots
Get your portfolios ready because in this episode of the Urban Property Investor, we go value hunting in real estate. Focusing on identifying undervalued markets, we uncover the hidden gems of 2025 showing off where to put your money.
We go through the principles of pricing power parity and lifestyle geo arbitrage. As a property investor there is a need for thorough market research and understanding local dynamics to uncover hidden gems in the property market. This episode is full of all the right things to help get you started in 2025, listen in now!
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2025 Market Update
This week on the Urban Property Investor, we give you some real estate resolutions as we discuss the 2025 market outlook for real estate in Australia. If you’re looking to kick goals in 2025 this one is for you!
Exploring various predictions from banks, valuers, and economic research firms, highlighting the differences in market performance across regions. This episode is a must listen for anyone looking to make some real estate moves in 2025. Best to learn from the pros and get ahead of the crowd, listen to episode 235 of the Urban Property Investor now.
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9 Economic Risks in 2025
What are the economic risks facing Australia in 2025? From affordability challenges, all the way to the impact of Trump's policies. China's trading and economic slowdown, what does this mean for Australia's biggest trade partner?
As a part of real estate resolutions we see the importance of population growth and the potential for economic opportunities amidst these challenges. Get your front foot out the door and kick start 2025 off with The Urban Property Investors savvy investing strategies and knowledge.
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00:00 - Economic Threats and Affordability Challenges
2024 in Review & What’s Next for 2025
Have you made your resolutions for 2025? To kick off the new year we talk through some real estate learnings from 2024, and reflect on the market trends and how to carry these learnings into 2025 as real estate resolutions.
From discussing the impact of migration on housing supply, to presenting the Golden Gopnik Award. We also introduce the Five Cities Plan as a strategy for wealth creation in real estate, emphasizing the importance of understanding market dynamics and making informed investment decisions as we move into 2025. Start your new year off with a bang, and with a n...
The Urban Property Investor Xmas Edition
In this Christmas special episode of the Urban Property Investor, we talk about the importance of family connections, reflection, and embracing the present moment.
As a part of Real Estate Resolutions we explain how the little things you think won't affect your investing journey, like the value of hearing family stories, the significance of Stoicism in navigating life's challenges, and the need to live intentionally while fostering community relationships, all can have lasting effects on your investing process subconsciously either for good or bad. Prepare for your next year of investing like the pro’s do b...
Creating Your Own Equity From Real Estate
This week we focus on strategies for creating equity, understanding market dynamics, and the importance of design in property value. The significance of investment-grade properties, and the advantages of off-the-plan investments are critical when building your portfolio.
From various strategies for investing in real estate, focusing on pre-construction properties, renovation techniques, and building for profit. Learn the importance of proper planning, budgeting, and market analysis in achieving successful outcomes in real estate investment in this episode of the Urban Property Investor.
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00:00 - The Allure of Re...
Blind Spots in Investing

In this episode, we dive into the various biases that affect real estate investors. We discuss how personal biases, social media influences, and emotional responses can lead to poor investment decisions. Understand the importance of navigating these biases, such as anchoring bias, confirmation bias, and herd mentality.
As a property investor you have to do some research and stick to what the pros do. Get all the tips for your portfolio and dodge those blind spots on episode 230 of The Urban Property Investor.
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00:00 - Under...
How The Next Growth Cycle Will Be Driven

In this episode of the Urban Property Investor, we dive into the upcoming growth cycle in real estate, uncovering the importance of understanding economic cycles, urbanisation, and demographic changes.
From the impact of technology and climate change, to the intergenerational wealth transfer on the real estate market. We also address the challenges of housing affordability and the rise of a fragmented society, as well as the implications of a growing rental market and the need for sustainable housing solutions.
Tune in to episode 229 for all the facts to take your portfolio to the next level.
...Die With Zero From Property Investing

This week we discuss the philosophy of 'Die With Zero' by Bill Perkins. Showcasing the importance of timing experiences in life, the balance between wealth and living fully, and the need to create lasting memories.
We may be here to create wealth through property but don’t let it intervene in what brings you joy in life. Learn to tip toe the balancing rope of keeping your investments alive while living life to the fullest. Tune into episode 228 now!
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00:00 - The Importance of Timing Experie...
Will Real Estate Still Prevail As An Investment Class?

Is real estate still the investment class of choice, and if so why? Find out why real estate investing is going nowhere soon, and why getting in sooner rather than later can make you millions.
Australians facing challenges in investing reinforces the importance of understanding how the market works long term. You can’t achieve success and wealth off of just a work wage in today’s society, owning properties is an effective way to assist this.
This episode will give you all the tidbits into being successful through real estate investin...
9 Warriors of Wealth You Need for Property Success

We discuss the essential components of successful property investment and what it takes to create financial freedom. Real estate is merely a vehicle for wealth creation and that's why it's important to have a comprehensive plan that includes acquisition, lending, rental growth, tax minimisation, debt reduction, and financial planning.
We cover all areas of expertise, helping you create the portfolio to take you into the future. Listen in and take notes now, episode 226 of the Urban Property Investor is here.
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00:00 - The Foundation of Real...
Discovering True Property Value

In this episode of the Urban Property Investor we discuss the importance of understanding market dynamics and the risks associated with short-sighted investment strategies in real estate.
Don’t lose out on all the wealth, buy high and hold onto that real estate. Uncover all the tips on what property you need to be looking for and how long you need to hold it on episode 225 of the Urban Property Investor.
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00:00 - Understanding Market Dynamics in Property Investment
07:54 - The Risks of Short-S...
Consumption Principles for Financial Freedom

Dive into the concept of consumption smoothing, and its implications on personal finance and economic behaviour. This episode highlights the psychological challenges individuals face when making economic decisions, particularly in the context of frugality and lifestyle choices.
I share insights and investing stories emphasising the need for individuals to adapt their spending habits and consider the long-term effects of their financial decisions. Are you spending too much? Or too little?
Listen to episode 224 of the Urban Property Investor to get all the saving tips and tricks to help you create wealth for...
1.2 Million Well Located Properties Is a Pipe Dream!
This episode we dive into the current state of housing supply in Australia, highlighting the challenges faced in meeting the growing demand due to population growth.
We cover the inadequacies in housing production across major cities like Sydney, Melbourne, and Brisbane, and the rising costs associated with new developments.
Tackling the emerging trend of 'Build to Rent' as a potential solution to the housing crisis, while ultimately concluding that the country is unlikely to meet its ambitious target of 1.2 million affordable homes by 2028.
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How To Pick Capital Growth
In this episode of the Urban Property Investor we delve into the intricacies of real estate investment, focusing on the importance of growth rates and introducing my 'Rule of 10' spreadsheet.
This method evaluates various factors that influence property growth, including city dynamics, suburb characteristics, street appeal, land value, and so much more!
By applying this rule, investors can better assess potential properties and make informed decisions to maximise their investment returns. This episode is a money saver, you won’t want to miss out.
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Demographics & The Future of Property
This episode understands the crucial role demographics is playing in shaping the real estate market in Australia. There's significance in understanding population growth, ageing demographics, and the skills gap in the workforce.
We delve into the changing dynamics of the housing market, particularly the impact of millennials entering the family formation stage and the implications of intergenerational wealth transfer.
This is a conversation you won’t want to miss. Tune into episode 221 of the Urban Property Investor now!
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00:00 - Understanding the Big S...
The Negative Gearing Boogeyman Is Back To Take Your Wealth
This episode we delve into the ongoing debate surrounding tax reform in Australia, particularly focusing on negative gearing and capital gains tax. We discuss political dynamics at play, including the influence of key senators and the implications of proposed reforms on property investors, and so much more!
It’s so important to understand negative gearing, its impact on the housing market, and potential solutions for improving housing affordability without destabilising the economy. All these understanding will help you as an investor. Listen to episode 220 now!
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