Chats with the good people
In this episode of Development Insights, we sit down with Ryan Houston to unpack the real challenges first-time developers face—particularly navigating the DA and CC process in NSW. We dive into key differences between a DA (which sets what you can do) and a CC (how you actually do it), the importance of early due diligence, and why engaging consultants—like town planners, heritage or soil experts—before purchasing a site can save you from costly mistakes. We touch on knowing your build costs via square meter rates, understanding planning controls, and building the right team around you to avoid development pitfalls.
In this episode, Sam and Brendan break down Labor's new first homebuyer policies following the federal election. Key changes include a $1.5M purchase cap, no income threshold, and the Help to Buy scheme, where the government co-owns up to 40% of a home to boost affordability.They explore how these changes could reshape buyer behaviour, unlock opportunities for essential workers, and shift demand in sub-$1M markets—while also questioning whether it's a Band-Aid solution to the deeper housing crisis caused by limited supply.A must-listen for first homebuyers, investors, and anyone navigating the changing property finance landscape.
In this episode, Sam and Brendan break down the real financial journey of a development project—from buying land to securing construction finance and managing interest costs. Using a $2 million duplex example, they explore the equity requirements, borrowing strategies, and key timing factors that can make or break a deal.They discuss the importance of working with a builder early, understanding valuations, and avoiding costly surprises from lenders or rising build costs. Plus, they reveal why delays can eat heavily into profits and how to model interest during construction to stay on track.Packed with practical insights, this episode is a must-listen for first-time and experienced developers alike.
Development Insights with Sam Black & Ryan HoustonIn this episode, Sam and Ryan dive into the importance of due diligence when assessing development sites. They explore how overlays like flood zones, bushfire risks, and heritage restrictions can dramatically affect what's possible on a block—and how tools like ArchiStar and the NSW Planning Portal can speed up the process.They share real-world examples from Newcastle and Lake Macquarie, showing how the right research upfront can save costly mistakes and even uncover hidden opportunities.Whether you're a developer or investor, this episode is a must-listen to avoid the pitfalls and spot potential early.
In this episode of Money Chats, Sam sits down with finance expert Brendon Lowbridge to unpack the myths around serviceability for business owners. They dive into how lenders assess income from salary, profit, and one-off expenses — and how recent lender policy changes now allow some self-employed people to be treated like PAYG employees. The duo also explore how business structure choices like trusts or companies can impact asset protection, tax planning, and portfolio scalability. Brandon wraps it up by emphasising that high income is the key to unlocking your equity and growing a strong investment portfolio.
Buying property in Australia while earning overseas? We cover deposit requirements, lender buffers, currency conversions, and key tax tips. Tune in to make your investment smoother!
Brendan Lowbridge joins us to break down the latest interest rate cut, its impact on borrowing power, and shifting market sentiment. We discuss lender competition, buyer confidence, and what to expect in the property market. A must-listen for buyers, sellers, and investors!
Development Insights with Sam Black & Ryan Houston.This podcast covers two major property market shifts: the recent interest rate drop, boosting buyer confidence, and the Low-Medium Density Residential (LMR) reform in NSW. The hosts discuss how zoning changes in areas like Lake Macquarie and Newcastle now allow for higher-density developments, increasing property values and investment opportunities. They highlight key affected suburbs and the financial impact of expanded floor space ratios, encouraging property owners and investors to stay informed and adapt to the evolving market.
In this episode Brendan Lowbridge explores interest-only vs. principal and interest loans, highlighting cash flow benefits, offset accounts, and debt reduction strategies. He emphasizes leveraging investments to accelerate loan payoff and maximize financial growth through property appreciation.
Development Insights with Sam Black & Ryan Houston explores property development strategies, financial risk management, and the mindset for success. We discuss leveraging debt, stepping out of comfort zones, and building networks through public speaking. Tune in for expert insights on growing wealth through real estate and smart investments!
In this episode, we dive into construction finance with Brendan Lowbridge, exploring how to fund property developments—from granny flats to larger projects. We break down financing options, including equity release loans and construction loans, explaining how banks assess serviceability, rental income, and projected property values. Learn how granny flats can boost cash flow, the approval process, and how staged payments work. Whether you're a first-time builder or an investor looking to maximize returns, this episode provides practical insights into navigating property finance with confidence.
Join us for a high-energy episode of Money Chats with Brendan Lowbridge as we dive into the world of rentvesting. Unpack the pros and cons of renting where you live while investing in property, strategic wealth-building, and how to avoid common financial pitfalls. A must-listen for savvy property enthusiasts!
Welcome to Development Insights with Sam Black & Ryan Houseton, your go-to podcast for navigating the world of property development. From exit strategies and profit margins to creative financing and market trends, Ryan shares actionable advice and real-world examples to help developers at every stage succeed. Tune in for expert insights and level up your game!
Kick off 2025 with Money Chats! Brenden Lowbridge dives deep into the pre-approval process for first home buyers, tackling misconceptions, auction strategies, and how to build a winning team of experts. Learn how to navigate unconditional offers, lender policies, and minimize risk to secure your dream property with confidence
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest Joel Coleman of Shade Design.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest Andrew Cumming of Place Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy, joined by guest feature Ryan Houston of Presence Real Estate.
Hosted by Sam Black of Henderson Advocacy, joined by featured guest Brenden Lowbridge of Money Links.
Hosted by Sam Black of Henderson Advocacy and Ryan Houston of Presence Real Estate
Hosted by Sam Black of Henderson Advocacy and Ryan Houston of Presence Real Estate
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