Smart Property Investment Podcast Network

In this episode of The Smart Property Investment Show, host Liam Garman speaks with self-managed super fund (SMSF) specialist Natalia Clack, unpacking the growing appeal and complexities of SMSFs.  SMSFs are gaining traction among investors seeking greater control over their retirement savings, offering broader investment choices and attractive tax advantages. Clack highlights the importance of education when navigating the intricate rules that govern these funds. Many misconceptions persist, including the belief that SMSFs are too complex or require extensive expertise, but Clack stresses that specialist guidance can make them both manageable and rewarding. With the ability to invest in property, gold, cryptocurrency, and other asset classes, SMSFs offer greater flexibility than traditional super funds. However, compliance and independent auditing remain crucial to ensure funds operate within legal boundaries and meet regulatory obligations. As the landscape evolves, illustrated by proposals such as the Division 296 tax, Clack says staying informed about legislative changes is essential. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Pure Property Podcast, Phil Tarrant and Paul Glossop are joined by investor Ali Akbarian to explore the shifting landscape of Australian property investment amid falling housing approvals and tightening stock levels. They highlight a 10 per cent drop in approvals against five-year averages, noting that government targets to build 1.2 million homes are unlikely to be met due to labour shortages and high construction costs. Despite three interest rate cuts this year, the hosts argue that easing monetary policy won't solve fundamental supply constraints. Property listings are also down 11 per cent, particularly during the typically busy spring period, driving stronger competition and higher prices. The government's new 5 per cent deposit scheme has boosted buyer interest, but the hosts warn that high loan-to-value borrowing in a rising market poses financial risks. Akbarian shares how disciplined strategy and expert advice helped him grow from a beginner to a 14-property portfolio worth over $9 million, reinforcing the importance of aligning investment goals with professional guidance and a strong mindset.

In this episode of The Smart Property Investment Show, host Liam Garman speaks with Dawn Fouhy from Future Proof Property Advisory, unpacking her journey from nursing to property investment. Dawn's career path highlights the power of strategic planning, education, and calculated risk in building wealth. Originally from Ireland, she moved to Australia and, with her partner, bought their first unit in Melbourne for $480,000, selling it three years later for a $200,000 profit. She educated herself through books and expert resources, navigating the complexities of property investment through methodical decision-making. Dawn emphasises the importance of timing and avoiding emotional attachment to properties that no longer serve financial goals. She stresses the value of seeking diverse financial advice and being willing to change brokers to avoid bias. Leveraging equity and savings, Dawn boldly purchased four properties in 2022, balancing yield with potential for long-term capital growth. She advocates for informed decisions rather than chasing quick wins and encourages open conversations with partners to align financial goals and risk tolerance.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit and Jack Fouracre from Fouracre Financial are joined by Patrick Coyne to discuss his investment journey from Liverpool to Australia, including strategies for remote property investment. Dissatisfied with his construction job in Liverpool, Patrick and his best friend relocated to Australia, where he built a successful career across Brisbane, Sydney, and Darwin, eventually founding his own company. A family emergency arising from his mother's cancer diagnosis prompted him to return to Liverpool and prioritise family over his flourishing business. Back in the UK, Patrick shifted his focus to property investment in Australia, seeking financial stability and growth. To manage investing from afar, he enlisted a buyer's agent, enabling him to navigate market complexities and secure a property in Townsville, Queensland, which increased in value significantly within a year. Despite logistical challenges, professional guidance and careful planning allowed him to turn obstacles into successful outcomes.

In The Smart Property Investment Show, host Liam Garman continues his conversation with Kev Tran from Kev Tran Group, unpacking the complexities of Australian property investment and imparting strategies to maximise returns across states. Tran highlights navigating state-by-state regulations, explaining differences in cooling-off periods and forfeiture rules, and why understanding these nuances is crucial for cross-border investing. He stresses the importance of negotiation and off-market access, sharing practical tips like building rapport with agents and offering flexible terms, such as rent-back options, to secure better deals. Market cycles and timing are also discussed, as some states grow strongly while others lag, making informed short- and long-term decisions essential. The duo emphasises the importance of discipline and a clear strategy, helping investors stay focused on their goals and avoid impulsive moves. Throughout the episode, the co-hosts' insights provide a roadmap covering legal awareness, negotiation tactics, team building, and strategic focus – all essential for sustainable success in real estate. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In a recent episode of the How I Met My Broker podcast, hosts Liam Garman and Hung Chuy speak with property investment expert Sam Gordon about navigating Australia's evolving property market. Gordon shares his journey from humble beginnings to managing a substantial property portfolio, highlighting how early challenges, including a negative experience with a buyer's agent, shaped his investment approach. A key theme is the importance of strategic partnerships, with Gordon and Chuy emphasising the value of aligning with experienced advisors, including brokers and accountants, to navigate complex financial and market dynamics. The discussion also explores rentvesting, a strategy that allows investors to rent where they want to live while building income-generating property portfolios, helping them maintain lifestyle flexibility while growing wealth. Despite fluctuating market conditions, the experts stress that opportunities remain for strategic investors who research markets and adapt their strategies alongside ethical practices, strong partnerships, and continuous learning.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Kev Tran from Kev Tran Group to talk about his proven strategies for property investment, including how to develop a clear plan, conduct thorough due diligence, and balance capital growth with cash flow. Tran shares insights from his years of experience in the industry, emphasising the importance of understanding your financial position, setting realistic expectations, and selecting strong locations for investment. He also highlights tools and resources that can help investors map out their portfolios and track progress over time. With the Australian property market constantly evolving, Tran stresses that a structured, informed approach is key to long-term success. He discusses lessons learned from his own early mistakes and how these shaped his methodology. Tran's playbook covers everything from strategy and market research to sourcing and evaluating properties. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to Pathway to Property, a podcast to help everyday Australians on their property investment journey through education, real-life stories, and firsthand investing experiences. In this episode, co-hosts Atlas Property Group director Lachlan Vidler and Luke Clifford welcomed Aaron Messina, a first-time investor who shared his journey from contemplation to property ownership. Aaron, formerly a gym manager, revealed that the birth of his daughter motivated him to take control of his financial future through property investment. He discussed the initial fears of buying outside his home state of NSW and how research and professional guidance helped him overcome uncertainty. After connecting with Atlas Property Group, Aaron credited their expert advice and onboarding process for giving him the confidence to begin his investment journey. He emphasised the importance of assembling a strong support team – including a broker, accountant, and legal adviser – to navigate the complexities of investing. Through detailed goal setting and portfolio planning, he gained clarity on how his first purchase would serve as a foundation for future growth. Despite unexpected challenges, such as tenants vacating on settlement day, he highlighted the value of having both personal and professional support.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit and Jack Fouracre from Fouracre Financial are joined by Ronesh Hargovind from the Incentum Group to discuss how understanding equity loans and trusts can shape successful property investment strategies. Self-managed super funds (SMSFs) have become an increasingly popular vehicle for Australians looking to grow their retirement savings through property, though they come with a level of complexity that requires careful planning. Hargovind explains that SMSFs have gained traction over the past 15 years as a way to leverage tax advantages and build wealth, but managing them properly requires distinguishing between personal and fund-related expenses. He suggests starting an SMSF with a balance of $200,000 to $300,000 to cover set-up and compliance costs, noting that while smaller or larger balances are possible, they bring different considerations. One of the key benefits is favourable tax treatment, with contributions and gains taxed at low rates during accumulation and tax-free benefits during the pension phase. However, trustees must be vigilant about record keeping and compliance to avoid penalties from the Australian Taxation Office, and ongoing discussions about unrealised capital gains tax add further complexity for large funds.

In a recent episode of The Smart Property Investment Show, host Liam Garman speaks with investor Steve Kuper about his decade-long property journey and insights into the shifting Australian market. Since buying his first property in 2013, Kuper has focused on regional investments in areas like Bomaderry and Queanbeyan, chosen for their employment strength and infrastructure growth. His preference for positively geared properties sets him apart from investors relying on negative gearing, offering steady cash flow but fewer tax advantages. The duo then discusses the nation's housing shortfall, noting that record migration and a lack of tradies are hindering the government's 1.2 million home target, and argues that first home buyer incentives risk inflating prices. Guided by his father's mantra to “buy land because they're not making any more of it”, Kuper continues to focus on regions with solid economic fundamentals. Kuper concludes by warning against over-leveraging and urging investors to research carefully amid a volatile and supply-constrained property landscape. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In the latest episode of the Smart Property Investment Show, co-hosts Liam Garman and Emilie Lauer explore Australia's evolving property market, highlighting opportunities for investors and first home buyers. They discuss the First Home Buyer Guarantee, noting it removes lenders mortgage insurance for buyers with deposits under 20 per cent but also fuels rising prices and buyer FOMO. The duo highlights that the average first home buyer is now 36–37, but the scheme encourages younger Australians to enter the market sooner, although the hosts warn against making emotional purchases. The duo also examines broader dynamics, pointing to nationwide price growth driven by low supply, high demand, and government infrastructure projects limiting new residential construction. The discussion shifts to units, particularly in Perth, Brisbane, and Sydney, where affordability and incentives are driving strong sales, presenting yield and cash flow opportunities for investors. Sellers were advised to avoid overpricing, prioritise presentation, and select agents with local expertise and transparent communication. The episode concludes with a focus on landlord maintenance, especially in Western Australia, stressing that well-maintained properties lead to longer tenancies, reduced vacancies, and stronger long-term returns. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by Ronesh Hargovind from the Incentum Group to discuss how understanding equity loans and trusts can shape successful property investment strategies. According to the co-hosts, understanding equity loans and trusts is essential for Australian property investors aiming to optimise returns and maintain tax compliance. Trust structures offer flexibility in distributing income and capital gains, making them valuable for high-net-worth investors and those involved in intergenerational wealth planning, although they cannot distribute losses. Equity loans must be used purposefully, as interest is only tax-deductible when funding income-producing assets, and proper documentation is critical for compliance. Investors should weigh the differences between owner-occupied and investment properties when assessing equity, considering risk, tax deductibility and loan serviceability. Managing multiple loans requires treating each investment as a separate entity to avoid financial confusion and costly errors. While trusts offer significant tax and asset protection benefits, they may not be ideal for investors seeking immediate relief from negatively geared losses.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Damian Collins, managing director at Momentum Wealth, to explore how investors are navigating the shift from residential to commercial property and building diversified, high-yield portfolios. The transition from residential to commercial investment has been appealing to those seeking higher returns and more stable income, although it requires careful planning. Damian said that strategic financial planning is key, with many investors relying on advisers to guide portfolio growth. Commercial properties generally offer higher yields than residential assets, making them attractive for investors seeking sustainable income, while residential investments can serve as a foundation to build capital. Diversification across asset types and locations helps mitigate risk and capitalise on emerging trends. The duo advises investors to stay informed about market dynamics, including the impact of e-commerce on industrial spaces, which enables them to identify new opportunities. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to discuss how shifting lender strategies and policies are creating opportunities for both self-employed and conventional property investors. Eva highlights that lenders are increasingly offering lower fixed and variable rates outside of the Reserve Bank of Australia's cycle to attract and retain customers, creating opportunities for borrowers to negotiate better terms. Fixed-rate mortgages, while attractive, require careful consideration, with strategic timing essential for switching between fixed and variable options. Innovations in the SMSF lending space, including 90 per cent loans without lender's mortgage insurance, reflect a competitive environment benefiting borrowers, particularly those with limited superannuation funds. Eva points out that changes in serviceability assessments, such as using rolling 12-month bonus averages and simplified borrowing criteria for self-employed individuals, have expanded access to finance. Additionally, the co-host expects the government's First Home Guarantee scheme to drive demand for properties within its price caps, raising concerns about potential price inflation and affordability challenges for future buyers. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of Inside Commercial Property, Phil Tarrant and Scott O'Neill sit down with Dan Gallen, executive director and CIO of Pallas Capital, to discuss one of the biggest shifts in commercial investing: the rise of private credit. With banks tightening lending and investors demanding faster, more flexible solutions, private credit has surged as a key funding option in the commercial property market. But does it always serve investors best, or does it add too much risk? Dan shares his perspective from more than $10 billion in structured transactions, while Scott explains how financing decisions can transform long-term investor outcomes, from cash flow and yields to equity growth and risk exposure. Key topics covered: The commercial property funding landscape: Banks retreat versus private credit expansion. Private credit explained: Flexibility, higher leverage, and where it beats the banks. Risks investors must weigh before relying on non-bank lending. Real-world examples of deals made possible by private credit. Why financing strategy is central to long-term wealth creation. Listen now to discover how the right funding strategy can accelerate growth and safeguard your portfolio.

In this episode of The Smart Property Investment Show, host Emilie Lauer speaks with the chair of the Property Investment Professionals of Australia (PIPA), Lachlan Vidler, to unpack the current state and key trends of Australia's real estate investment market. The discussion delves into the latest PIPA investor sentiment survey, which reveals the key challenges for property investors, the impact of the three rate cuts, surging demand, limited stock, and rapidly rising property prices. Lachlan highlights the difficulty of adding new stock to the market, citing construction hurdles, regulatory red tape, and high costs that limit both large- and small-scale investors. According to the survey, policy changes, compliance costs, and land tax pressures are prompting some investors to sell. Melbourne has emerged as a top choice for investment due to relative affordability, with Brisbane and regional markets also attracting attention, thanks to strong infrastructure and lifestyle appeal. While nearly 60 per cent still consider it a good time to invest, Lachlan expresses cautious optimism, noting potential rate cuts and first home buyer schemes while urging investors to avoid FOMO and plan strategically. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Lloyd Edge from Aus Property Professionals to explore how strategic investment can build a $30 million portfolio. Lloyd shares his journey from a country upbringing in Orange to becoming a leading buyer's agent and property investor. Starting as a music teacher, he purchased his first apartment in Rockdale, Sydney, which sparked his interest in leveraging property equity to build wealth. Over time, he strategically expanded his portfolio across Sydney and regional locations, including Ingleburn, Leichhardt, Alexandria, Toowoomba, and Armidale, utilising developments such as duplexes to generate both equity and cash flow. Today, Lloyd owns 18 properties valued at approximately $30 million, underscoring the importance of planning, diversification, and market insight. Through the episode, Lloyd shares lessons from missteps, emphasising research, resilience, and adapting to market fundamentals. Beyond investing, he is an advocate for philanthropy and champions financial literacy, teaching children and communities the value of education and wealth creation. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to Property Unfiltered, a collection of raw and uncensored conversations with Simon Loo and some of the nation's most savvy investors – giving you the insights you need to achieve your property dreams. In this episode of Property Unfiltered, House Finder's Simon Loo and Smart Property Investment's Liam Garman are joined by investors Lee Ouch and Caryn Lim to reveal how they built a nine-property portfolio in just six years. The conversation examines Australia's evolving real estate landscape, where opportunities exist but require careful strategy. Demand for lifestyle-rich coastal suburbs, such as Quinns Rocks, is reshaping local markets, with affordability and liveability drawing both buyers and investors. Lee and Caryn share how disciplined planning and the right professional support have allowed them to scale their portfolio quickly. They also explain how “rentvesting” gives them flexibility to live where they want while investing in high-growth areas. Rising interest rates, unexpected costs, and reliance on negative gearing highlight the challenges of managing multiple properties. Government incentives, such as the First Home Guarantee, are also discussed, though with a caution against short-term thinking.

In the latest episode of The Smart Property Investment Show, Liam Garman speaks with Ross Le Quesne, head buyer's agent at KHI Property Partners, and investor Alex Whitlock about the Melbourne property market. Ross shares his extensive experience as a broker, business investor, and buyer's agent, offering insights that Alex has relied on for guidance. The trio highlights Melbourne's modest property growth of around 15 per cent over the past five years compared with surges in other cities, suggesting a potential “once in a cycle” opportunity. Ross emphasises the importance of timing and location, noting that areas with scarcity, strong infrastructure, and access to amenities tend to appreciate more. Alex illustrates this with a recent purchase of a property marketed as a four-bedroom house that was actually two two-bedroom apartments, showing the value of local expertise. Ross also offers practical advice on financial readiness, debt management, and alternative strategies, such as self-managed super funds or commercial property. The trio then discusses the emotional side of investing, urging buyer's agents to help maintain objectivity. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar join Phil Tarrant to unpack the evolving complexities of Australia's property investment landscape. The trio explores how rising competition and tightening yields are reshaping strategies, making defence just as important as acquisition. From structuring loans and building cash buffers, to insurance and portfolio reviews, the Kumars highlight practical steps investors can take to safeguard and strengthen their holdings. Victor explains why a defensive mindset, focusing on due diligence, smart financial structuring and portfolio resilience, is essential for long-term success. Reshmi underscores the importance of balancing ambition with protection, urging investors to avoid the pitfalls of bold marketing claims and rushed decisions. The conversation also highlights the role of professional networks from mortgage brokers, accountants, to property managers, in keeping investors informed, supported and prepared for market shifts. Whether you're a first-time investor or building an established portfolio, this episode offers clear, actionable strategies to navigate today's property market with confidence.

In this episode of The Pure Property Podcast, Phil Tarrant and Paul Glossop explore the shifting landscape of Australian property investment following the Reserve Bank's key interest rate cut to 3.6 per cent. The duo discuss the intricacies of the current market, government schemes and strategies for potential investors, blending global insights with local expertise. Paul, speaking from Ontario, Canada, shares his experiences travelling through Europe and North America, offering a unique perspective on hidden opportunities and challenges in property investment. They examine the Australian First Home Guarantee Scheme, set to expand from 1 October, which allows first-time buyers to purchase homes with just a 5 per cent deposit, but caution that it may increase competition and push up property prices in major markets. Phil stresses the importance of discipline for first home buyers, advising them to start modestly rather than overextending financially in pursuit of their dream home. For investors, the scheme presents both opportunities and challenges, with Paul highlighting areas of potential capital growth and the benefits of rising demand. The discussion also covers banks offering competitive fixed rates, signalling possible shifts in financing options for investors.

In the very first episode of Inside Residential Property, host Liam Garman and Rethink Group CEO Scott O'Neill dive into the strategies that separate long-term investors from short-term speculators. To kick things off, they unpack the remarkable journey of Vincent, a 29-year-old who has built an eight-property portfolio worth over $5 million in under four years. Using Vincent's story as a case study, the conversation explores how everyday Australians can scale their portfolios, the financing and cash flow challenges that come with rapid growth, and why chasing hotspots or quick wins often backfires. With more than $6 billion in acquisitions facilitated across Australia and New Zealand, Rethink Group brings the trusted expertise to cut through market noise and focus on strategies that work. Key topics covered in this episode include: How Vincent grew to eight properties in just four years. The real costs of hotspot chasing and “pump and dump” strategies. Why balancing cash flow and growth is crucial for sustainability. The role of diversification in reducing portfolio risk. When it makes sense to pivot from residential to commercial.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit and Jack Fouracre from Fouracre Financial are joined by property consultant Ben McDonald from InvestorKit to discuss how early action and expert guidance can shape successful property investment journeys. At just 25, Ben is navigating his own investment portfolio while helping others build theirs, highlighting the importance of informed decision making in a fast-moving market. Reflecting on his experiences, he admits he wishes he had started investing sooner, underscoring the cost of hesitation for many aspiring investors. Ben's entry into the industry came unexpectedly through a friend's recommendation, drawn by InvestorKit's strong reputation and growth opportunities. His personal journey from scepticism to owning multiple properties demonstrates the transformative impact of knowledge, guidance, and timely action. Ben said he is driven to educate clients with tailored investment strategies, emphasising that successful investors seek guidance from experienced professionals and value mentorship in navigating a complex market.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to explore how podcast advertising is reshaping the way property investment businesses connect with their audience. The duo highlights a shift from traditional pre-recorded jingles to live reads, where hosts personally deliver sponsor messages, adding authenticity and boosting listener engagement. The conversation also delves into the mechanics of blending advertising across both audio and video platforms, including YouTube, to maximise reach and monetisation. Eva underscores the crucial role of mortgage broking in navigating lender changes, rate shifts, and tight budgets, while Phil's own experience with Finni Mortgages serves as a strong testimonial to the value of trusted broker support. The episode also provides insights into the broader property market, where more flexible lending policies open opportunities for self-employed and non-traditional borrowers. Ultimately, the duo stresses how both advertising strategies and mortgage broking services are becoming increasingly personalised, enabling investors and businesses to stay ahead in an evolving property landscape. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to the first episode of “How I Met My Broker”, a podcast that explores property investment strategies, shares investor journeys, offers tactical insights, and provides lessons to build wealth through smart leverage. In this first episode, Hung Chuy, director of Strategic Brokers, and Tuan Duong, founder of Duo Tax, share their journey from modest beginnings to building substantial property portfolios, offering lessons for investors. Their two-decade-long friendship has been key to their success, showing the value of strong personal and professional relationships. Tuan began investing with a small Sydney property using the first home buyer's grant, demonstrating the importance of seizing opportunities despite limited resources. They emphasise learning from setbacks, conducting thorough market research, pivoting strategies when needed, and staying informed about government incentives that impact property prices. The duo urges investors to establish a trusted support network and engage in honest conversations with brokers to achieve success.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Steve Ash, founder of Property Strats, to explore Melbourne's property market and uncover key opportunities and challenges for investors. The duo begins the episode by highlighting a surge in activity, driven by first home buyers and government initiatives, such as the 5 per cent deposit scheme without lender's mortgage insurance, which has intensified competition in many suburbs. Despite the market upswing, Steve warns of a scarcity of good deals, making it harder for investors to maintain a boutique approach. He also emphasises balancing financial growth with lifestyle, encouraging investors to enjoy the benefits of their portfolios. Certain suburbs, such as Frankston and Melton, are experiencing strong growth, while units remain undervalued, offering attractive yields and capital growth potential. Steve emphasises the importance of strategic portfolio planning, combining Melbourne properties for growth with higher-yield assets elsewhere to maintain a stable cash flow. He also highlights challenges such as land tax and strict tenancy standards, which require careful due diligence. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit are joined by mortgage broker Sarah McConville from Fouracre Financial to share how the right team drives property investment success. Sarah emphasises that relying on experts, rather than attempting to navigate investments alone, is critical for investors, similar to not going to a friend for medical surgery. Sharing her personal journey, she recounts buying her first home at 22 and facing financial stress after a relationship breakdown, highlighting the importance of stability and support during challenging times. Sarah explains that her move into mortgage brokering is driven by a passion for helping others achieve home ownership and build wealth, reflecting her commitment to guiding clients through complex financial decisions. The episode also highlights the role of education, particularly for female investors, who benefit from proactively learning about property investment to make informed choices. She stresses that some women may not be as engaged in financial decisions as they should be, which can create challenges during unexpected life events. Sarah further notes the value of a well-rounded team – including accountants, buyer's agents, and financial advisers – to navigate market trends and achieve investment goals efficiently.

In the latest episode of In the Balance, host Phil Tarrant speaks with Munzurul Khan, co-founder of KHI Partners, and rising talent Aaron Sim, about navigating the complex world of financial advisory and the importance of building a strong team of experts. The discussion reflects on the podcast's first year, highlighting KHI Partners' growth and diverse services, including financial planning, mortgage broking, insurance, estate planning, and their new property buyer arm led by Ross Le Quesne. Munzurul emphasises the firm's philosophy of perpetuity, focusing on long-term growth, nurturing talent, and fostering a culture of camaraderie within the team. The episode also showcases rising talent, including Aaron, who has transitioned from the fitness industry to mortgage broking, illustrating KHI's commitment to developing the next generation of financial experts. Conversations then turn to the property market, with insights on navigating interest rate changes, timing investments, and seizing opportunities in the current economic climate. Throughout, the hosts emphasise the need for a holistic approach to financial solutions and commitment to client success across multiple advisory areas.

In this episode of The Smart Property Investment Show, host Liam Garman speaks with Arjun Paliwal, CEO and head of research at InvestorKit, to examine the growing gap between unit and house prices across Australia. Arjun explains that this divergence is uneven, with some markets seeing units keep pace with houses while others lag significantly. His research highlights regions like Parramatta, Melbourne CBD, and South Canberra where units have underperformed, versus areas such as Adelaide's Onkaparinga and Campbelltown where units have performed comparably. Key factors driving these trends include supply and demand, investor confidence, and the quality of new builds, with oversupply and defects discouraging investment. Arjun notes that while units may regain appeal in certain markets, houses typically offer stronger long-term value. The discussion also touches on government initiatives like the First Home Guarantee, which can temporarily lift prices but require quick action to benefit. He warns against common investor mistakes such as relying on informal advice, delaying entry, and ignoring professional guidance for portfolio diversification. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Liam Garman speaks with Robbo, the Aussie Mortgage Guy and founder of Trusted Finance, about digital marketing in real estate and finance. Robbo emphasises the importance of building a personal brand and creating authentic, educational content to establish trust with potential clients. He shares his journey of posting content daily from scratch in 2021, learning through trial and error to discover what resonated with his audience. Consistency and authenticity, he notes, are more important than chasing vanity metrics, such as follower counts or flashy videos. His approach has generated over 50,000 home buyer leads and $1.2 billion in settled mortgages organically, with a social media following exceeding 1.6 million. The conversation also explores the growing role of AI in content creation, with Robbo encouraging agents to leverage technology while maintaining a personal touch. Overall, Robbo highlights that staying consistent and embracing new tools are key strategies for success in a competitive real estate market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with mortgage broker Rebecca Carlson to explore rentvesting and how it can help individuals, particularly post-divorce, rebuild wealth and regain financial independence. Rentvesting allows individuals to rent where they want to live while owning investment properties elsewhere, providing flexibility and market access. Carlson and Tarrant discuss recent policy changes that remove caps for first home buyers, allowing entry with just a 5 per cent deposit and no lenders mortgage insurance, which may shift the dynamics of first-time rentvesting. Divorce often leaves people with cash but no home, making rentvesting a practical way to re-establish a financial footing. Carlson notes clients can leverage available funds to secure investment properties and gradually build wealth while managing risk. Post-divorce emotional challenges can create hesitation, but starting small helps build confidence in property investment. Professional advice from accountants and buyer's agents is key to navigating markets and identifying opportunities. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to Pathway to Property, a podcast to help everyday Australians on their property investment journey through education, real-life stories, and firsthand investing experiences. In this episode, co-hosts Atlas Property Group director Lachlan Vidler and Luke Clifford explore how property investment can shape retirement strategies. The hosts highlight the spring surge in property activity, fuelled by changes to the first home buyer scheme that allow entry with a 5 per cent deposit and higher purchase caps. The core discussion centres on three retirement pathways: buy and hold, selldown, and a combination strategy. Buy and hold builds long-term wealth through capital growth and rental income, while selldown provides quicker access to cash but risks depleting resources too soon. The combination strategy blends both approaches, offering strong cash flow potential but carrying higher risks. Throughout, the hosts emphasise the importance of a clear portfolio plan, reminding listeners that retirement through property is highly individual and requires strategic, adaptable planning.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by financial planner Simran Dhillon from Abundant Advisory to explore how property investment can fit into a broader financial strategy. Drawing on his experience at Commonwealth Bank and running his own practice, Simran stresses the importance of diversifying between property and shares to manage risk. The co-hosts emphasise that high-income tech professionals must strategically plan around equity compensation while using debt wisely to grow wealth without overconcentrating in property, and ensuring sufficient liquidity for retirement. This episode also covers self-managed super funds, advising caution for those with low balances due to costs and risks. Simran highlights that good debt builds wealth, while bad debt fuels consumption, and stresses the importance of insurance and protection following major life events, such as having children or facing serious health issues.

In this episode of The Smart Property Investment Show, host Phil Tyrant sits down with Lachlan Vidler from Atlas Property Group, who is also the chairman of PIPA and set to appear on Channel Nine's Budget Battlers. The show highlights community-driven renovations on a tight budget, with Lachlan explaining how strategic improvements like paint, floor plans, and small updates can dramatically increase property value through “sweat equity”. Beyond television, Lachlan and Phil discuss the Australian property market, noting that while prices are rising, many investors hesitate due to psychological barriers and fears of overpaying. Recent interest rate cuts and changes to the first home buyer scheme are boosting demand, while migration trends are further intensifying competition for properties. Lachlan also highlights the challenges buyer's agents face when properties sell above traditional valuations, stressing the need for expertise and decisiveness. Lachlan emphasises focusing on long-term investment potential rather than chasing bargains, with the right team and preparation key to success. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of Inside Commercial Property, Scott O'Neill and Phil Tarrant tackle one of the most hotly debated topics in Australian property investment: regional versus capital city property. Investors are often told that regional markets promise higher yields, while capital cities offer long-term growth, but is that really the full story? Drawing on real client examples and market data, Scott and Phil explore the strengths and pitfalls of both strategies. From the cash flow benefits in regional centres to the capital appreciation trends in metro markets, they unpack the truth behind the headlines and expose the risks investors often overlook. Key topics covered in this episode include: Why regional properties appear attractive on yield but can lack long-term growth consistency. How infrastructure spending and population migration are reshaping regional opportunities. Why capital city assets remain the cornerstone of many high-performing portfolios. The investor profiles best suited to regional versus metro strategies. The overlooked costs and risks that can turn a “bargain” regional property into a poor investment. Whether you're weighing up your next purchase or rethinking your portfolio strategy, this episode provides clarity on the regional versus capital city debate. Packed with sharp insights and grounded in real-world investing experience, Scott and Phil cut through the noise to show you how to align your property strategy with your financial goals. Listen now to discover the truth about regional versus capital city property, and learn how the right strategy can position you for stronger returns.

In this episode of The Smart Property Investment Show, co-hosts Liam Garman and Emilie Lauer unpack renovation opportunities alongside the buyer's behaviours, government schemes, rate cuts, and price trends. Australia's property market is shifting, with first home buyers and investors adapting to new government support, interest rate changes, and evolving buyer preferences. Renovations are proving to be a smart strategy, often boosting values by at least 10 per cent and sometimes doubling returns, although hidden costs and delays remain risks. The duo warns against rushing in or relying too heavily on DIY, stressing the importance of careful planning and professional assistance. In hot markets such as Tasmania, South Australia, and Western Australia, properties with polished, professionally designed interiors are achieving premiums of more than 100 per cent. Buyer's behaviours have also shown more flexibility, increasingly willing to compromise on features like the number of bedrooms, bathrooms, or solar systems to secure a home. Ultimately, the duo believes that success in today's market comes down to seizing opportunities, making informed compromises, and approaching renovations with a clear, strategic plan.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by Domain's senior economist, Dr Joel Bowman, to examine the resilience of Australia's housing market amid global uncertainty. The trio discusses how global trade tensions and domestic policy shifts are shaping consumer sentiment and influencing property values. First home buyers are entering the market in greater numbers, thanks to new incentives, boosting demand and prices. While Perth and Adelaide stand out for their rapid growth driven by affordability and strong local economies, Melbourne's unit sector and Darwin's volatility pose challenges despite solid rental yields and low vacancies. The hosts explore the growing appeal of commercial property for higher yields and cash flow, while stressing the benefits of using trusts, companies, or self-managed super funds to boost efficiency and borrowing capacity.

In this episode of The Smart Property Investment Show, co-hosts Liam Garman and Emilie Lauer explore the latest in the Australian property market, including the fast-tracked First Home Guarantee scheme, rate cuts, price trends, and key hotspots. The duo begins by examining how government policies and economic shifts will reshape the first-home buyers' market. The First Home Guarantee scheme, launching on 1 October 2025, will enable buyers to enter the market with a 5 per cent deposit and no lender's mortgage insurance, and with an increased price cap across different markets. The co-hosts caution that while the scheme makes entering the property market easier, buyers face 95 per cent mortgages amid rising prices, heightened competition, and potential negative equity. Additionally, capital cities have been recovering more strongly after interest rate cuts, while regions that have grown rapidly in recent years may stabilise. Victoria is expected to lead national price growth, with areas like Frankston, Greater Geelong, and Yarra attracting renewed interest from buyers and investors. With opportunities and risks intensifying, the co-hosts urge investors to ensure careful planning, financial literacy, and professional guidance to navigate the evolving market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of Property Investing Insights with Right Property Group, Victor and Reshmi Kumar join Phil Tarrant to explore the evolving world of property investment and why creativity and financial strategy are now essential. The trio discuss how creative skills and digital innovation are reshaping investment approaches, proving it's more than just buying the right property. Victor highlights common financial myths, such as avoiding cross-securitisation or assuming trusts are always beneficial, and explains how understanding loan structuring and strategic debt can create opportunities. Reshmi challenges the notion that low risk equals success, advocating for smart leverage to grow portfolios sustainably. Planning is positioned as a roadmap, keeping investment decisions aligned with long-term goals and market dynamics. On tax, Victor reframes it as a strategic tool, while Reshmi cautions that over-focusing on minimisation can hinder wealth creation. The trio also stress the importance of asset protection and strong professional relationships for long-term portfolio resilience. 

In this episode of The Smart Property Investment Show, host Liam Garman and Sam Gordon from Australian Property Scout share insights on navigating the ever-changing Australian property market. The duo highlights the value of working with people who share one's values, emphasising the importance of reliable support when making complex decisions. They then discuss recent government initiatives, such as the changes to the First Home Guarantee scheme, noting these policies often raise demand and prices rather than improve affordability. Sam underscores the power of creative lending, showing how strategic borrowing can help investors build portfolios even on modest incomes. The duo then warns against impulsive decisions and chasing quick wins, instead advocating clear planning and long-term consistency, focusing on a positive mindset, resilience, and openness to learning. Throughout the episode, the co-hosts share their perspectives, offering a practical roadmap for both novice and experienced investors in an evolving market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, explore the growing appeal of commercial property investment for investors looking to diversify beyond residential assets. The hosts highlight how commercial property delivers higher rental yields, lower management demands, and stronger cash flow, making it a natural progression for many residential investors. Two main pathways are outlined: a traditional strategy of building a residential portfolio before transitioning to commercial closer to retirement, and an accelerated option for high-income or early investors to enter the commercial space sooner. The discussion emphasises the importance of structuring investments through trusts or companies to improve efficiency, leverage residential growth, and expand borrowing capacity. The episode also spotlights self-managed super funds as a way for investors to leverage strong borrowing power and favourable loans, while urging business owners to reinvest profits strategically in commercial property to optimise tax outcomes.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Michael Thomas, director of AZ Holdings Australia, to explore how business acumen helped him accelerate into property success despite a late start into the workforce. Michael shares his journey of starting late in the workforce, overcoming personal challenges, and building a $15 million portfolio spanning both residential and commercial assets. His story highlights the power of discipline, expert advice, and a strategic mindset in achieving financial freedom. The discussion unpacks how Michael's first purchase in Logan, Brisbane, set the tone for a successful portfolio, why he engaged a buyer's agent early, and how diversifying across commercial properties could generate him about $500,000 in fully offset passive income. Michael also reflects on the importance of patience, sacrifice, and realistic goal-setting, reminding investors that success comes from consistency, not comparison. For aspiring and seasoned investors alike, Michael's journey is a compelling case study in how applying business smarts, expert guidance, and long-term discipline can deliver extraordinary results. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with Rohit Gehlot, director and principal buyer's agent at InvestorAid, to unpack his unique migrant success story, and his tips for building a multimillion-dollar portfolio. Rohit shares his journey from arriving in Australia with young children and limited resources to building a property portfolio worth up to $13 million. His story highlights the power of resilience, strategic thinking, and the willingness to embrace risk in pursuit of financial freedom. The discussion explores how Rohit leveraged his first family home in Kellyville into a national portfolio, spanning growth hubs like Brisbane, Perth and Townsville, and how smart refinancing and disciplined savings set the foundation for success. Rohit also highlights the critical role of mortgage brokers, the importance of stepping outside your comfort zone, and why many investors fail to scale after their initial purchases. For migrants, first-time investors and seasoned buyers alike, Rohit's journey offers a masterclass in wealth creation – and a powerful reminder that calculated risks, paired with the right strategy, can deliver extraordinary results. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by Avi Khan, principal at Ray White AKG, to unpack the Brisbane property market. The Brisbane property market is undergoing a major shift, with auctions becoming a preferred method of sale due to their transparency and competitiveness. Once a last resort, auctions are now booming in Brisbane as buyers from Sydney and Melbourne drive demand. Tight housing supply has intensified competition, driving surprising auction results and record prices, while many owners hold properties, confident in future growth from infrastructure and the Olympics. Success in today's market requires buyers to be prepared with finance, written offers, and decisiveness, while investors must focus on timing sales and presenting properties to appeal broadly. The co-hosts' analysis concludes with Brisbane's traditional seasonal selling patterns fading, as demand continues year-round, reshaping how buyers and sellers approach the market.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Hung Chuy from Strategic Brokers to explore the complexities of property investment, broking, and the stories that connect them. Hung introduces his new podcast, How I Met Your Broker, which is dedicated to sharing investor experiences, expert advice, and practical strategies for long-term success. Hung shares his inspiring journey from a refugee background to building a multimillion-dollar property portfolio, offering a powerful example of resilience and strategic thinking in the real estate market. The discussion then highlights how many investors stall after acquiring a few properties, often due to limited guidance, and how expert advice can help break through these barriers. Hung stresses the importance of working with experienced brokers, highlighting that his team are investors themselves and can deliver tailored, long-term strategies, while warning against brokers who focus only on low rates at the expense of broader growth. Drawing on his own experiences from early off-the-plan purchases to complex developments, Hung illustrates the importance of planning, adaptability, and learning in an evolving market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this recent episode of The Pure Property Podcast, Phil Tarrant and Paul Glossop explore the shifting landscape of Australian property investment, following a key interest rate cut by the Reserve Bank to 3.6 per cent.  This move has sparked optimism among investors, as lower borrowing costs improve loan affordability and refinancing options.  The duo stresses the importance of working closely with mortgage brokers to ensure rate cuts are passed on and fixed-rate transitions are managed effectively. A major focus is the long-term value of capital growth over short-term yield, supported by data showing cities like Sydney and Melbourne outperforming others like Darwin over 25 years.  While high-yield properties offer immediate cash flow, capital growth is highlighted as the true driver of wealth in property.  The co-hosts also note that reduced property listings – down 6.8 per cent year-on-year – are pushing prices higher, adding urgency to informed investing.  Using a lighthearted champagne analogy, they liken quality investments to vintage wine – carefully selected and rewarding over time, urging investors to prioritise strategy and patience to maximise long-term returns.

In this episode of The Smart Property Investment Show, Phil Tarrant speaks with Benjamin Plohl, seasoned investor and principal buyer's agent at BFP Property Group, to explore SMSF investing's opportunities, challenges, and rising appeal for financially empowered investors. The duo starts by highlighting the importance of strategic planning for investors rather than focusing solely on accumulation. Benjamin notes the increasing popularity of SMSFs, citing over 650,000 funds and 1.2 million trustees, and explains how they provide flexibility, leverage, and the ability to pool family resources for larger investments. For SMSF investors, Benjamin stresses that strategic asset selection, market timing, sector focus, leveraging borrowed funds, and utilising concessional tax advantages are essential for maximising long-term returns. The discussion also addresses challenges, including compliance, tax implications, and the need for informed decision-making to avoid pitfalls. Finally, the duo underscores the importance of professional guidance, advising investors to build a team of accountants, brokers, and advisers to navigate the SMSF landscape effectively and achieve retirement goals. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to Pathway to Property, a podcast to help everyday Australians on their property investment journey through education, real-life stories, and firsthand investing experiences. In this episode, co-hosts Atlas Property Group director Lachlan Vidler, and Luke Clifford, are joined by accounting and property investment expert Jeremy Iannuzzelli for an in-depth discussion on structuring property investments. Lachlan and Luke start by highlighting the importance of strategic planning, before introducing Jeremy, whose advice has been pivotal in Lachlan's own journey. Jeremy breaks down four main ownership structures – individual ownership, corporate entities, self-managed super funds (SMSFs), and trusts with corporate trustees – explaining the benefits, drawbacks, and ideal use cases for each. He outlines how individual ownership offers simplicity and negative gearing benefits, corporate entities suit business owners with retained earnings, SMSFs allow control over super with potential for leveraged returns, and trusts provide flexibility for high-income earners. Jeremy addresses scenarios from FIFO workers to couples scaling portfolios, emphasising clear strategy, expert advice, and practical insights for investors at all stages seeking to optimise returns.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, sit down with Michael Thomas to explore his journey from mental health struggles to building a $20 million property portfolio. Michael shares how flipping phones and succeeding in car sales sparked his entrepreneurial drive and set him on the path to financial freedom. The trio dives into Michael's practical investment strategy, including why he partners with buyer's agents and trusts experts rather than trying to do it all himself. They also discuss the difference between material wealth and lasting fulfilment, with Michael revealing why mentoring and living by his values matter more than Lamborghinis and Ferraris. Michael opens up about how his property goals evolved – from owning a home outright to building a passive income portfolio that supports his lifestyle, with a strategic shift towards commercial property.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Rob Le from Finni Mortgages to unpack the often-misunderstood world of serviceability and how it shapes an investor's ability to build wealth. From overtime income to voluntary super contributions, Phil and Rob explore the factors that can make or break borrowing capacity – and how lender policies can vary more than many realise. They dive into why income isn't just your base salary, how deductions like HECS-HELP can be managed strategically, and why disciplined spending habits in the months before applying for a loan can pay off in spades. The conversation also explores the role of non-bank lenders, their more flexible policies, and when higher rates may be worth the trade-off for greater borrowing power. Phil and Rob share practical strategies for presenting the strongest possible case to lenders, and explain why working with a savvy mortgage broker can give investors the edge they need to grow their portfolio faster. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with Theo Chambers, CEO of Shore Financial, to break down the forces shaping investor sentiment in 2025. From rate pause surprises to a dwindling investor pool, Phil shares his reflections on a market that's increasingly hard to read, before unpacking the state of advice in the property space, warning of the rise of unqualified buyer's agents steering investors into risky territory. The pair discuss why investor confidence is slipping, the risks of poor advice, and how policy settings, particularly in Victoria, are driving investors away from traditional hotspots. Phil also opens up about his own strategy: why diversification, timing, and market cycles matter more than ever, and how commercial property is reshaping what “smart investing” really looks like in 2025. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.