The Invest In You Podcast

Ever feel like you've hit a wall with property investing? You're not alone.In this episode, Frank and Henry break down why so many Australians get stuck after their first or second property — and what you can do about it. They unpack the three biggest roadblocks (cash flow, borrowing capacity, and equity) and reveal a brand-new unit strategy that's helping clients keep buying without the stress.Whether you're just starting out or looking for your next move, this one's packed with practical insights, data, and real-world examples to get you moving again.

Most buyers freak out when they get their first building and pest report — but that long list of “defects” usually isn't a deal breaker.In this episode, Frank and Adrian reveal the truth about building reports — what actually matters, what doesn't, and how to use a report to save money instead of walking away.You'll learn how to tell the difference between real structural issues and cosmetic problems, how to negotiate repairs with confidence, and why “a bit of rust” isn't the end of the world.Perfect for first-home buyers and investors who want to buy smart and avoid rookie mistakes.

Not all data is created equal and these five metrics prove it.In this episode, Adrian reveals the exact research framework Fresh Start Advisory uses to find property markets before they boom. From infrastructure jobs per 1,000 residents to GDP per capita growth, you'll learn how to spot regions that are about to explode in value.We break down:How to rank infrastructure projects and job creationThe internal migration formula that predicted Rockhampton's 90% riseWhy affordability ratios and job diversity are the keys to resilienceThe GDP metric that shows when an economy is truly expandingIf you want to understand the data that separates good investors from great ones — this is your blueprint.Follow Fresh Start Advisory for weekly episodes on property investing, data, and strategy.

Everyone's talking about a recession. But what if it's not even real?Frank and Adrian break down the truth behind Australia's economy — GDP, inflation, jobs, and interest rates — and show why fear is the biggest thing holding investors back. You'll learn how the right mindset (and solid data) can help you keep moving forward while everyone else hesitates.Whether you're just starting your investing journey or looking to build long-term wealth, this episode will give you clarity and confidence to act instead of wait.In this episode:• Is the “recession” real — or just a mindset?• What falling interest rates really mean for investors• How to read Australia's economic signals• Why fence-sitters miss the best opportunities• Four data points every investor should trackFollow Fresh Start Advisory for weekly insights on property, finance, and mindset from Australia's most active buyers' agents.

What's the real difference between a $400k house and a $600k one?In this episode, Frank and Adrian unpack what those price points actually buy you in today's market — from older fixer-uppers to fully renovated homes ready for tenants or owner-occupiers.They break down:• What $400k, $500k, $600k and $700k homes really look like• How much work each price point usually needs• Why renovation can still be a winning strategy• The investor mindset for taking on older assets• Which level suits your experience and risk toleranceIf you're trying to decide how much to spend — or what “value” really means in 2025 — this chat will help you see the property market with fresh eyes.

Most Australians don't realise they can use their super to buy property — and financial planners often cringe when they hear it. In this episode, we unpack the truth about property inside super (SMSFs), why many advisors steer clients away, and how the right strategy could set you up for retirement.We cover:Why planners push shares over propertyThe pros and cons of SMSFsA client's costly off-the-plan mistakeProperty vs shares: which really builds wealthHow fees stack up and what to watch forIf you've ever wondered whether property in super is worth it, this conversation could change how you see your retirement.

When is it too late to buy into a property market? In this episode, Frank and Adrian reveal the signs that tell you when to jump in—and when to stay out. They break down boom cycles, economic profiles, supply constraints, and the red flags that show a market is overheating. With real examples from Brisbane, Perth, Hobart and Townsville, you'll learn how to spot opportunities early and avoid costly mistakes. Perfect for anyone wanting to grow their property portfolio with confidence.

The Property Bubble No One Wants to Talk AboutIs Australia really heading for a property bubble, or is it just fear-mongering? In this episode we unpack decades of housing cycles — from the 90s recession to the GFC and COVID — to reveal what's really driving prices up (or down).We cover:Why some markets crash while others boomHow lending rules, migration and supply shape housing valuesWhat a real bubble would actually look like in AustraliaWhy fundamentals matter more than headlinesIf you've ever wondered whether the housing market is about to burst, this one's for you.

Regional towns or capital cities — which is the smarter play for property investors? In this episode we uncover the data, bust the myths, and reveal why diversifying across Australia's 15,000+ markets could be the key to building lasting wealth.Is it smarter to invest in regional towns or stick with the big capital cities like Sydney and Melbourne?In this episode, we break down the myths, data, and real numbers behind Australia's property markets. You'll learn why property should be treated like the stock market—with 15,000+ opportunities across the country—and why putting all your money into one market can be risky.We dive into:The history of booms and busts across Australian propertyHow Perth went from 150% growth to one of the worst performersWhy regional cities like Bendigo, Newcastle, and Townsville have quietly outperformed capitalsA Sydney vs Townsville case study comparing growth, cashflow, and riskThe “Blue Chip” myth and why diversification matters more than everWhether you're just starting out or looking to expand your portfolio, this episode will challenge the way you think about regional vs capital investment and show you how to reduce risk while still building long-term wealth.

Downloads: https://freshstartadvisory.com.au/resources/Is Australia really in a housing crisis — or is it actually a spending crisis?In this episode, we cut through the noise and expose the truth behind property affordability, why so many people are making the wrong moves, and how strategies like rentvesting can completely change your financial future.From comparing wages to house prices across Sydney, Melbourne, and Brisbane, to sharing real client case studies that prove this works, we'll show you how to think differently, take accountability, and build wealth without falling into the trap of buying the “dream home” too soon.If you're tired of the old advice, family pressure, or social media judgment — this conversation will give you a fresh perspective on property, investing, and financial freedom.

Is diversification the safest path to wealth… or just a myth holding you back? In this episode, we unpack the Great Myth of Diversification and debate whether you should focus on one asset or spread across many.From property and stocks to gold, silver and crypto, we share our personal wins, mistakes, and the hard lessons learned. You'll hear why some investors swear by putting everything into property, while others find freedom and security in stocks.We also cover real returns, leverage, emotional investing, and why Warren Buffett's approach might just change the way you think about your own strategy.If you've ever asked yourself “Should I diversify or go all in?” — this is the episode for you.

Tools mentioned in this podcast:https://freshstartadvisory.com.au/resources/The Best & Worst Places to Buy Property in 2025 (EOFY Wrap)In this episode, we reveal the suburbs and regions that soared in 2025 — and the ones that sank. From Geraldton's huge 31% growth to the declines in parts of Victoria, we break down the data, the timing, and the lessons for smart investors.You'll hear:The top 10 property markets of 2025 and why they outperformedThe worst-performing regions (and whether that means opportunity or danger)How to know when to exit a market before the growth stopsReal client case studies showing 10%–28% growth in just monthsWhy most investors get it wrong — and how to think differentlyStick around to the end for a special free tool: our 72-step research process to help you analyse markets and grow your portfolio with confidence.If you want to know where investors actually made money in 2025 and what's next, this is an episode you won't want to miss.

Most people were never taught how money actually works and that's by design.In this episode, we pull back the curtain on the financial system. From the gold standard to fiat currency, interest rates to inflation, and how money is really created, we break it down in simple terms so you can use the system to your advantage.Host Frank Ambesi is joined by CFO Sebastian Mattei to explain:Why financial education was kept out of schoolsHow interest rates actually work (and who sets them)The truth about the cash rate and inflation targetsHow money is created through debtThe tools the rich use to get richerIf you've ever wondered why the rich seem to play a different game and win this is your playbook.

Hit a Wall After 1 or 2 Properties? You're Not Alone.In this episode, we're joined by mortgage strategist Sebastian Mantello from Integrity Finance Brokers (IFB) to unpack how investors can keep growing their portfolio — even after the banks say “no.” We explore the difference between transactional and strategic brokers, and break down how to use structures like trusts, companies, and even super funds to keep buying, reduce tax, and avoid getting stuck.Whether you're just starting out or already own a few properties, this episode is packed with practical advice, real-life examples, and the strategies smart investors use to scale.

Free Spreadsheet: https://freshstartadvisory.com.au/20-year-property-plan/ Got $1.5M in borrowing power and $200K in cash? In this episode, we break down a 10-year strategy that could turn that into a $5.5M property portfolio with $44K in annual cash flow — and $1.5M in usable equity. We walk through the numbers, the renovations, and the principles behind building serious wealth, even covering how the rich live off equity tax-free. Plus, we're giving away the exact spreadsheet we use with clients (link above).

Apartments, units, houses, duplexes, blocks, rooming houses, commercials — what's actually worth buying in 2025?In this episode, Frank and Adrian walk you through every major property asset class and how they perform in today's market. Backed by real client examples and personal portfolio plays, this is your no-BS breakdown of what to buy and what to steer clear of.

Why is housing so expensive—and where does the money actually go? In this episode, we unpack the real cost drivers behind Australia's housing crisis with expert insights from Frank. From skyrocketing land values and construction costs to government levies and foreign investor taxes, we dig deep into the numbers and the policies behind the price tags.We cover:The breakdown of land vs. construction vs. taxesHow government charges quietly add 50% to home pricesShrinking builder margins and what it means for quality and supplyThe impact of foreign investor taxes on apartment supplyFringe vs. inner-city land costs and where developers are buildingPractical reforms that could lower end-user costs by 10–20%What's really moving the housing market—interest rates or taxes?A must-listen for anyone trying to understand (or survive) the Australian property market.

It's Episode 50 and we're going big.For the first time ever, Frank breaks down his entire property portfolio — the numbers, the suburbs, the equity, and the strategy.In this episode, we cover:

In this episode, Frank & Adrian dive deep into the current investing landscape and answer the big questions everyone's asking:Are QLD and WA still the places to invest?Is Frank selling his properties?Are we moving into commercial?How interest rate drops will impact your strategyRental shortage data & why it's only getting worsePopulation growth, VIC land tax, and why we're avoiding Melbourne (for now)Where we're buying right now — and the regions you should have on your radarThey also unpack Frank's recent duplex deal, break down the mindset around taxes, and highlight how to make smart property moves based on data, not emotion.

Another action-packed episode coming in hot!

Two people.Same income.Same savings.Same borrowing power.Same debt.So why does one end up with $2 million in property, and the other with $5 million?It's not luck. It's not timing.It's mindset—and today, we're diving deep into how the right mental approach can completely change your wealth-building journey.In this raw and unfiltered episode, we're answering hard-hitting questions (without seeing them in advance!) about the biggest mindset blocks property investors face—and more importantly, how to overcome them.We'll cover:The mental traps that stop most people after 1 or 2 propertiesWhat separates our most successful clients from the restHow to stay grounded in a world full of noise and market fearOur personal mindset challenges as investors—and how we pushed throughThe daily habits that create a resilient, growth-oriented investorAnd why cashflow isn't the only mindset that mattersThis is the real conversation. No fluff. Just practical, mindset-shifting takeaways you can start using today.

Is it really possible to double your property's value in just 5 years? In this episode, Frank and Adrian break down their no BS, data-backed method — the exact strategy they've used to spot suburbs that have doubled in value, sometimes in just 3 years.You'll learn:Why doubling is possible (yes, even in this market)The key data points Frank uses to assess a locationHow to time your entry for max growthThe truth about location vs. asset selectionWhy their 72-step process is the difference between a good investment and a great oneThis isn't theory — this is what they use to buy properties for their clients and for their own 8-property portfolios.

Join us this week as Frank gives us a little history lesson on the history of property cycles in Australia, uncovering how the market evolves over time and what that means for investors. 2:09: We delve into the recurring nature of property cycles across Australia, comparing the growth patterns of capital cities and regional areas. Does consistent growth only happen in capital cities? 6:05: Travel back to the 1970s when Perth was pricier than Melbourne and learn how population growth influenced the market. 12:10: Unpack the high-interest rate era of the 1990s and its impact on property trends. 14:35: Discover how interest rate fluctuations shaped the early 2000s property market. 20:53: What's the takeaway? Stay in the market for the long haul and watch your investments grow. Whether you're a seasoned investor or just starting out, this episode offers timeless insights into navigating the property market. Don't miss it!

Welcome to the Golden Era of Property Investment!

In this episode, Frank Ambesi, cofounder of Fresh Start Advisory,  uncovers the key factors driving property market growth and why understanding the "why" is essential for smart investment decisions.  We explore the impact of government policies, internal migration, and economic fundamentals that influence property values. Learn how job advertisements can serve as a hidden indicator of market shifts and dive into case studies of regions like Ipswich and Bundaberg, where job growth has spurred significant property price increases.  Whether you're a seasoned investor or just starting out, this episode offers valuable insights into analysing regional markets and making calculated decisions based on strong fundamentals.

In this episode, we're joined by one of our Buyer's Agents, Ryan, who has spent the last 18 months with us at Fresh Start and has purchased over 100 properties for our clients.  We discuss the critical role of trust and open communication in creating successful partnerships, not just for the agents, but for their clients too. Ryan shares his personal journey in real estate, revealing the lessons he's learned about navigating the property market, the importance of thorough due diligence, and the value of asking the right questions. We explore his personal portfolio strategy and the mindset behind building wealth through property investment. If you're curious about how to maximise your real estate experience, this conversation offers practical advice on building rapport with your buyer's agent, understanding your goals, and the benefits of a collaborative approach in achieving the best outcomes. Join us for an engaging discussion that will help you on your property journey!

In this episode of the 'Invest in You' podcast, hosts Adrian Trimboli welcomes Daniel, affectionately known as Dr. Dan, a seasoned buyers agent from Fresh Start Advisory. They delve into the current challenges in the property market, particularly the scarcity of stock and competition among buyers. Dan shares valuable negotiation strategies, the importance of having strong relationships with real estate agents, and the significance of doing thorough homework before making offers. He also discusses the benefits of using a buyers agent and recaps his personal investment journey, including both lessons learned and successes achieved. The conversation highlights how clients can build trust and make quick decisions to successfully navigate the property market.

In this episode of the Invest in You podcast, host Adrian Trimboli dives into the intricacies of investing with guest Austin Crawter, the lead buyers agent at Fresh Start Advisory. Austin shares his journey starting with property investments at age 20, eventually branching into businesses. His exceptional analytical skills and due diligence process in evaluating investments are highlighted. The discussion also covers common pitfalls in property investment, key lessons learned, effective client-agent relationships, and strategies to optimize investment portfolios.

In this conversation, Frank and our guest Kent Lardner discuss the critical issue of affordable housing and its impact on the economy. They explore the role of data analysis and AI in real estate, the innovative use of drone technology for property insights, and the importance of understanding statistical areas in property investment. The discussion also touches on the potential impact of AI on employment in the real estate sector and the ongoing challenges of housing affordability in Australia. Chapters 00:00 The Importance of Affordable Housing 10:00 Data Analysis and AI in Real Estate 19:57 Utilizing Drone Technology for Property Insights 29:55 Understanding Statistical Areas in Property Investment 39:52 The Impact of AI on Employment in Real Estate 49:57 The Future of Housing Affordability in Australia

The Mindset Shift to Financial Freedom: A Deep Dive into Savings and Investments In this hard-hitting episode of the Invest in You podcast, Adrian Trimboli and Frank Ambesi emphasise the importance of developing a savings mindset to achieve financial freedom. They argue that if you don't save while earning a modest income, you won't save when you earn more. The hosts dispel the myth that higher earnings automatically lead to higher savings and share personal stories and tips to shift from a spender to a saver mentality. Key topics include the significance of budgeting, avoiding debt on depreciating assets, and the role of cash as security. They conclude by offering actionable steps and a budget template to help listeners start their journey toward financial independence. 00:00 Introduction: The Importance of Saving 01:40 Mindset Matters: Spenders vs. Savers 04:46 Building Financial Freedom: The Basics 07:41 The Power of Budgeting and Investing 12:19 Avoiding Debt and Depreciating Assets 16:57 Cash as Security: Planning for the Future 22:46 Conclusion: Taking Control of Your Finances

In this episode, Frank takes a deep dive into how overseas migration is shaping Australia's property market. He breaks down the data to help investors make smarter decisions. The discussion also touches on COVID-19 migration trends and how these changes are affecting regional property markets. For investors, understanding how population shifts impact real estate is crucial for navigating the tricky relationship between migration and investment strategies. 00:00 - Intro 02:34 - Population Dynamics: Migration Impact on Property Markets 03:30 - Australian Migration Strategy: Resilience, Productivity, Economy 04:34 - Migration Insights: Balancing Skilled and Non-Skilled Demographics 06:00 - COVID-19 Migration Shift: Melbourne and Sydney to Queensland 10:04 - Internal Migration and Property Prices: Capital to Regional Shifts 12:26 - Migration Data for Property Investments: Internal Implications 17:26 - Property Market : Impact of Migration 23:08 - Property Market : Effects of Divorce and Birth Rate 26:12 - Investors : Challenges and Opportunities

Frank and Adrian dissect the performance of Melbourne and Brisbane over a seven-year period, they navigate the complexities of regional towns versus capital cities using historical trends and data. They discuss the advantages of investing in regional areas, emphasising - lower entry costs - superior rental yields - and untapped growth potential. Frank and Adrian empower listeners to make informed investment decisions rooted in data rather than hearsay, paving the way for a more strategic approach to real estate investment. Don't forget to follow us on socials: @freshstart_advisory

Description: In this informative episode, Frank and Matt engage in a dynamic discussion about success in both sports and business, focusing on the vital components of energy, focus, and priority. They introduce the "corporate athlete equation," emphasizing its role in achieving exceptional results through consistency and discipline. Their conversation explores the parallels between sports and business success, highlighting the importance of maintaining holistic health for optimal performance. They discuss negotiation strategies centered on building genuine relationships and collaboration. Reflecting on personal fulfillment, they draw parallels between the satisfaction derived from sports and entrepreneurship. Overall, their dialogue underscores the significance of giving, impact, and adaptability in navigating life's journey. Summary: In this episode, Frank and Matt discuss success in sports and business, focusing on energy, focus, and priority. They introduce the "corporate athlete equation" and stress consistency and discipline. Comparing sports and business success, they advocate for applying this equation to overcome setbacks. They emphasize energy's importance, likening it to "battery cartridges" and stress holistic health. Additionally, they touch on negotiation strategies, emphasizing relationship-building. Reflecting on personal fulfillment, they compare sports to entrepreneurship, highlighting giving, impact, and adaptability. Timestamps: 00:00 - Intro 01:18 - Matt's Background and Journey 03:13 - Entry into the Property Industry 06:06 - Influence of Environment and Mindset 08:07 - Importance of Energy, Focus, and Priority 15:01 - Reflection and Inspiration 17:05 - Individual Differences in Energy Levels 19:30 - Energy as the Foundation for Success 23:14 - Providing Market Feedback to Agents 31:34 - Personal Fulfillment in Rugby vs. Business Quotes: "Energy is like fuel; some have more battery cartridges than others. It's about finding ways to recharge and stay vibrant throughout the day." "Habits shape our lives. Show me your habits, and I'll show you where you're at." "Everyone needs a higher purpose or a 'big why' to fuel their energy and drive." "Understanding what others need, whether in negotiations or relationships, is key to success." - CONNECT WITH ADRIAN -

Description: In this informative episode, Frank and Robert explores the essence of relationships and personal growth. It emphasizes that perfect relationships involve navigating challenges for growth. Partnerships are highlighted as crucial in various life aspects like marriage, business, and friendships. The discussion emphasizes intuition, authenticity, and emotional ownership for healthy relationships, supported by personal anecdotes. Psychology is brought into focus, addressing blame in relationships and advocating for personal responsibility. Summary: In this episode, Frank and Robert delves into relationships and personal growth, highlighting the challenges and rewards they entail. It emphasizes the importance of overcoming obstacles together and stresses the significance of communication, authenticity, and emotional ownership in fostering healthy connections. It also touches on societal influences on relationships and concludes with reflections on the definition of success. Overall, it underscores the need for resilience, communication, and personal development in navigating relationships successfully. Timestamps: 01:09 - Intro 02:42 - Robert's Journey to Self-Discovery and Connection 09:18 - Robert's Path from Farm to Psychology 17:20 - Insights on Vision and Emotional Intelligence 24:34 - Importance of Relationships 26:29 - Dealing with Emotional Baggage 32:05 - Taking Responsibility 36:08 - Positive Strategies for Relationships 39:09 - Expressing Love and Anger 40:54 - Relationship Challenges and Faith 42:28 - Permission to Speak Truth 43:02 - Navigating Relationship Difficulties 45:49 - Midlife Crisis and Relationships 52:25 - Role of Personal Development 57:25 - Defining Success and Failure Quotes: "Success in partnerships isn't just about finding the right person; it's about working together towards a common goal." "Open communication in partnerships isn't just about speaking; it's about truly listening and understanding each other's perspectives." "In partnerships, aligning goals and vision is not just about agreement, but about a shared sense of purpose." "Emotional intelligence isn't just a personal asset; it's the cornerstone of successful partnerships, fostering understanding and collaboration." - CONNECT WITH FRANK --

Hosts: Frank Ambesi / Terry Ryder Description: In this informative episode, Frank and Terry explores a significant migration trend and saw over 70,000 individuals move from capital cities to regional towns, motivated by factors such as traffic avoidance, cost reduction, and stress minimization. The market refutes the idea of a market crash in 2024, attributing rising property prices to increasing demand and supply shortages rather than significant foreign investment. Stressing the importance of due diligence and professional guidance, the episode underscores key investment considerations such as location, economic strength, and market understanding. Terry advocates for investment diversification and infrastructure spending in regional areas like the Sunshine Coast and Toowoomba, challenging the notion that capital cities are the sole drivers of growth. He advises against hasty property sales, encourages ongoing education, and urges individuals to invest in themselves to capitalize on market trends and opportunities. Timestamps: 02:06 - Property market trends, crash debunked 06:02 - Factors: population growth, demand 07:56 - Migration from cities increases. 09:42 - Building approvals decrease, shortages. 14:16 - Foreign investors, affordability policies. 24:15 - Capital city market resurgence. 36:16 - Young investor advice: buy, hold. Quotes: "The only outcome we're going to get from that is rising prices." "We have a shortage of everything and when you have a shortage, prices don't collapse. They tend to rise." "If you spend a few thousand dollars on good advice and good information and you end up buying in a place with like 20% growth as opposed to the national average, 8%, you've more than paid for the money that you have invested in advice and information." "You keep doing the same thing over and over again, expecting to get a different result." - CONNECT WITH FRANK --

In this episode, Frank and Adrian discuss the increasing migration from capital cities to regional areas in Australia. They highlight the job opportunities and affordability in these regions, fueled by booming industries and infrastructure development. The conversation explores how COVID-induced migration has impacted regional economies, emphasizing the positive effects on property markets despite fluctuations in traditional economic indicators. Overall, they paint an optimistic picture of investing and living in regional Australia, showcasing the opportunities and benefits of this trend. Timestamps: 01:13 - Townsville & Bundaberg Insights 02:19 - Impact on Property Markets 07:54 - Beyond Numbers in Property Markets 14:04 - High Earnings, Quality Tenants, and Economic Shifts 17:26 - Analyzing Migration Trends 19:16 - Economic Growth in Regional Areas 21:22 - Insights on Property Market Analysis & Predictions Quotes: Frank: “High unemployment rates at the moment can be seen as a positive thing. It creates more job opportunities and indicates growth in the area.” - CONNECT WITH FRANK -- 

In this informative episode, Frank explores the crucial aspects of property research that truly define its worth. He emphasizes the need to dig deeper than surface evaluations, delving into neighborhood demographics and key indicators that impact long-term investment success. Frank offers a comprehensive guide to informed real estate decisions, from insurance premiums to environmental factors, aiming to ensure lasting investment success. In this episode, Frank delves into property research, highlighting its impact on investment value. He stresses thorough evaluation, including neighborhood demographics and rental data. Emphasizing independent property inspections, Frank aims to guide investors in making informed decisions, minimizing risks in real estate. Timestamps: 04:04 - Unveiling Properties with Google Maps 06:12 - Evaluating Rental Quality 07:50 - Navigating Public Housing Levels 10:28 - Avoiding Insurance Surprises  12:47 - Mapping Your Ideal Property 15:54 - Finding Ideal Tenants 17:38 - Unveiling Property Markets Quotes: Frank: “The more checks you do, the more security you're going to have.” Frank: “As soon as you start to compromise fundamentals you're compromising on your investment.” Frank: “Calculate all costs, including rates, water service fees, management fees, to understand the property's cash flow in your investment strategy.” Frank: “You always get good quality tenants in a good part of the suburb.” Frank: “Higher numbers of owned outright properties indicate a more stable market at both suburb and street levels” - CONNECT WITH FRANK -- 

Join Frank as he interviews George Mitsas from Raft Private, an expert in tax structuring and asset protection. In this insightful discussion, George shares valuable insights into different tax structures for property investment, covering individual, trust, and company setups. Emphasizing the importance of early planning and considerations such as income levels and asset protection, George provides practical advice based on his expertise and personal experiences. This episode also delves into partnerships, trusts, and companies, addressing complexities and offering a cautionary note on Self-Managed Superannuation Funds (SMSFs). In this podcast, George Mitsas, an accountant specializing in tax structuring and asset protection, shares comprehensive insights into strategic tax structures for property investment, discussing individual, trust, and company setups, emphasizing early planning, and addressing the complexities involved in structuring investments for an effective exit strategy, while highlighting the significance of long-term planning and the potential benefits of self-managed super funds (SMSFs) for tax efficiency. The conversation also covers upcoming changes in tax rates, collaborative property purchases through SMSFs, and the impact of land tax on trusts, concluding with a stress on the broader perspective of wealth generation in investment decisions. Timestamps: (02:11 - 02:53) George decision in becoming an accountant  (02:55 - 06:35) George's Journey in Investing (06:57 - 12:02) Company Structure (12:19 - 15:52) Consideration of Land Tax Implications (16:20 - 18:22) Purchasing Property with Others, Different structures and Fixed trust (18:28 - 20:31) Partnership and trust (21:47 - 24:13) Challenges of business owners in investing to trust (24:16 - 29:58) Capital gains and Negative gearing (30:00 - 34:20) Self-Managed Super Funds (SMSF) and Tax Benefits (34:32 - 36:59) Importance of Professional Advice for Tax and Business Structuring (37:05 - 40:30) Land Tax Thresholds (40:50 - 42:45) Investment decisions Quotes: "If you're paying tax, it means you're making money." "I really wish to leverage myself in a different way. However, it was a great learning experience." "The most important thing as well to consider when you're choosing what tax structure with your accountant is your exit clause." "It gets a little bit technical. If you've got negative gearing, that's where you can really benefit." - CONNECT WITH GEORGE -

In this episode, Adrian delves into the realm of rental campaigns, defining the attributes of a successful campaign and offering crucial guidance for effectively managing them. Adrian will delve into key aspects, including the timing of rental campaigns, establishing competitive rental rates, the potential influence of property enhancements, contemplating pet-related policies, and the importance of having confidence in experts while showing gratitude to tenants and property managers. In this podcast episode, Adrian discusses various aspects of rental campaigns, providing insights into what makes a successful or unsuccessful campaign, emphasizing fair market value pricing, and offering advice on factors such as tenant quality, property renovations, and the benefits of giving presents, while also stressing the importance of trusting professionals and being open to renting to pet owners. Timestamps:  (01:55 - 06:33) Understanding Rental Campaigns and Timelines  (06:54 -11:22)  Market  Rent, Renovations and Increasing Rental Income   (11:25 -12:57)  Tenant Retention   (12:59 -15:05)  Showing Appreciation and trusting property managers  (15:06 -16:15) Accepting Pets and animals   (16:25 -18:20)  Summary of Key Points  Quotes: Adrian: "Buying presents for your tenants and property managers can go a long way in building good relationships and getting better results." Adrian: "Trust the professionals, like property managers, to do their job. Give them the benefit of the doubt, but be diligent." Adrian: "Consider renovations to improve your property's yield. A small investment can significantly boost your cash flow." Adrian: "The more conditions in the lease, the less likely you are to attract owners. Keep it simple and consider what's most essential." - CONNECT WITH ADRIAN -

Host:  Adrian Trimboli Guest: Jackson Laurie In this enlightening episode, we'll explore Jackson's favorable encounter with Fresh Start Advisory, the obstacles encountered by brokers, and the significance of well-defined objectives and effective cooperation with buyers agents for navigating the real estate market. Jackson will also be providing valuable advice to listeners on property investment. In this episode, seasoned broker Jackson shares his positive experience with Fresh Start Advisory, citing time constraints as a key obstacle to independent property portfolio building, underscoring the significance of clear plans and specific goals, applauding Fresh Start's team for real-time updates and identifying properties with dual income potential, illustrating 5-7% growth in his initial property, and advising prospective buyers to establish clear goals, assemble a supportive team, and implement streamlined strategies for success. Timestamps: (01:26 - 01:59) Overview of Jackson's job  (02:17 - 04:29) Problems faced by brokers ,Building Portfolio (04:30 - 06:12) Learnings from the experiences (06:20 - 07:41) Results of the property Valuation (08:00 - 09:33) Advice for listeners  (09:33 - 10:27) Outro Quotes: Jackson: "The biggest thing is to have clear goals and a plan set out, and  be really specific about them" Jackson:  "One of the biggest barriers for me was time." Jackson:  "I want to be in a time in the market, not timing off the market." Jackson:  "I'm on the Realist. I'm not playing the short term game" - CONNECT WITH JACKSON -- 

Hosts:  Adrian Trimboli and Frank Ambesi In this insightful episode, Join  Adrian and Frank as they delve into the intriguing reasons why the period from mid-December to mid-January emerges as the optimal time to purchase property, backed by data.  They will also be breaking down the five compelling factors, including increased property listings, reduced market competition during the holiday season, motivated sellers offering potential deals, commission-driven real estate agents eager for holiday cash flow, and opportunities.  This special podcast episode discusses five reasons why Christmas and the middle of December to January is the best time to buy property, citing increased listings, reduced competition due to people being on holiday mode, motivated sellers, real estate agents eager to close deals for year-end commissions, and potential opportunities in regional towns with less competition and hungry agents. Timestamps: (01:50 - 03:18) Increased Property Listings from September to December (03:23 - 06:13) Reasons for Selling, Tax Purposes and Interest Rate Stress (06:24 - 08:42) Holiday Mode and Reduced Market Competition (08:53 - 13:27) Five Reasons to Buy Property During the Holiday Season (14:21 - 16:05) Advice to listeners and Outro Quotes: "So I think if you get your finances in order, you go out there, you do your research, you find out which locations you know, you be flexible for, you're looking for, and you can find a deal."  "So if you're someone that's sitting on the fence, you're not sure what you should do. if you want to take advantage of the market, these are the best times - CONNECT WITH FRANK-

Hosts: Adrian Trimboli and Frank Ambesi In this engaging episode, Adrian and Frank delve into the Australian real estate market, identifying the top-performing regions for the next 12 months emphasizing the economic diversity, investment potential, and opportunities in Salisbury, Armadale, and Toowoomba while also offering advice to listeners to thoroughly research before making any investment decisions. In this episode, Adrian and Frank kick off by introducing their topic of pinpointing Australia's top region for the next 12 months, beginning with Salisbury in South Australia, underscoring its economic diversity and appeal for property investment; subsequently, they delve into potential prospects in Armadale and Toowoomba, emphasizing their enduring viability, population growth, and substantial infrastructure projects, with a prudent reminder for listeners to diligently research before making investment choices. Timestamps: (02:25 - 03:57) Salisbury's economic diversity, features, and potential  (04:10 - 05:45) The 5 different sectors and its purpose (06:00 - 08:27) Salisbury's sales listing, vacancy rate and expectations  (08:31 - 11:28) Armadale's economic diversity, features, and potential  (11:33 - 15:36) Toowoomba's economy, features and vacancy rate (15:39 - 16:53) Summary, thoughts and advice to listeners Quotes: Frank: If you noticed the population growth in these towns, a strong population, internal migration as well, which is very important. Jobs, so many opportunities for jobs to work and move to different areas because of the change." Frank:"So the demand for work that's being created, it's happening for a reason. there's a strong population as well." Frank: "It's a powerhouse economy and it's still got a bit to give. We don't invest here anymore just because we've kind of thought we've missed that boat because there's a lot of growth that's happened since then." - CONNECT WITH FRANK-- 

Hosts: Adrian Trimboli and Frank Ambesi This insightful episode focuses on strategies to increase borrowing capacity for property investment, covering topics such as boosting income, enhancing rental income from investment properties, managing credit card limits, reducing personal debts, and making wise financial choices. In this episode, Adrian and Frank explore strategies for enhancing borrowing capacity, including income boosts, property rental income improvement, effective credit card management, expense reduction, debt minimization, and wise financial choices for property investment, emphasizing the significance of financial evaluations and entity considerations to maximise borrowing potential. Timestamps: (02:10 - 09:10)  Increasing Income, Active Refinancing and Managing Credit Card Limits  (09:28 - 09:49)  Cutting Expenses and Minimizing Costs  (09:50 - 11:26)  Personal Debt, Car Upgrades and Options for Property Investors  (11:32 - 13:17)  Managing Credit Card Limits and Expenses (13:23 - 17:15)  Extending Mortgage Term and Different Investment Entities   (17:17 - 17:47)  Business Owners and Large Documentation Loans  (17:51 - 21:03)  Summary and Recommendations  Quotes: Frank: "Increasing your income is the key motivation and most beneficial way to boost your borrowing capacity."  Adrian: "Don't ruin your life by overspending on unnecessary expenses. Find ways to cut back and save."  Frank: "Every small saving can contribute to a bigger deposit or offset account, moving you closer to your investment goals."  Adrian: "The most important thing is to increase your income." - CONNECT WITH FRANK-- 

In this inspiring episode, Carl and Adrian will explore Carl's path in property investment, emphasizing the importance of starting early, nurturing key professional relationships, and ensuring financial stability by allocating funds for property-related costs. They will also highlight Carl's remarkable financial transformation over a two-year period.  Adrian and Carl discuss Carl's property investment journey, focusing on the significance of starting early, having the right professional contacts, and preserving financial stability with savings. Carl's remarkable achievements, including multiple property acquisitions and a family home, underscore the value of calculated risks and long-term financial goals. Timestamps:  (02:38- 04:48)  Seeking Professional Advice and Trust (05:19- 12:39) Taking Risks and Financial Impact (12:55: -17:10) Results of Property Investments (17:20- 19:24) 3 lessons from property investing experience (19:25- 19:56) Golden Nuggets of investing and Outro Quotes: Carl: "When you invest, you need to be ready to lose the money anyway. You need to think long term, not short term." Carl: "Always have savings in your pocket because it's a business." Carl: The most important thing if you want to invest more is having the right broker, the right tax accountant, and the right property manager." Carl: "The main thing about investing is the knowledge, knowledge of the process, knowledge of the market." -- CONNECT WITH CARL -- 

Introduction: In this informative episode, Adrian and Frank delve into a discussion encompassing the trajectory of the property market, its growth, rental supply challenges, particularly in regional towns and capital cities, while offering valuable insights into the growing demand for rental properties, addressing the needs of renters and investors, and  discussing the importance of understanding the data of the market. Summary: In this episode, Frank and Adrian delve into data and statistics related to the real estate industry's current state, highlighting low vacancy rates, reduced building approvals, rising rental costs, regional growth, and the significance of data understanding for investors and renters. Timestamps:  (01:03 - 04:50) Capital Growth, Shifting Market, Migration Pattern  (04:23 - 04:49) Reduced Building Approvals  (05:09 - 05:33) The Significance of Data Understanding  (06:15 - 09:56) Rental Crisis Affecting different Areas  (10:25 - 14:25) Migration's Impact and Data of Rentals in town  (14:55 - 22:36) Sales Listing and Property Prices changes    (23:32 - 24:44)  Property Portfolio, Growth Experience, and Outro Quotes: Adrian: "This is not the purpose, to provide value, it's to give back." - CONNECT WITH FRANK -- 

On Invest In You this week, Frank was lucky enough to be joined by Mr. Kent Lardner. Kent's passion is numbers, data, and stats, and he has harnessed that passion to become one of the leading lights in Australian property market analysis. Kent's background is in lenders mortgage insurance, and early on is his career he spent time training with world experts in the USA and Canada. Following the sale of his PriceFinder platform to Domain, Kent then moved to CoreLogic where he headed up the analytics department, and also worked in China developing an AVM for the largest bank in the world. Now Director at Suburbtrends Research & Advisory, Kent applies his infinite statistical knowledge to help Aussies find the right place to buy. His property reports are regularly published in national media outlets, and his suburb map is used by over 5000 investors all over the nation. If you want to learn more about what Kent and Suburbtrend can offer you as an investor, you can jump on their website: www.suburbtrends.com You can also keep up to date with Kent's take on Australian property by listening to not just one, but two of his podcasts: Podcast 1: Elephant in the Room Podcast 2: Suburb Trolls

The Game Changing Finance Tricks Which NO Banks Dares To Tell You! This week on the Invest In You podcast, Frank is lucky enough to be joined by director of MLS Finance, Mr. Sze Chuah! Sze's professional and personal passion is property investing, and when it comes to mortgages, no one knows more. He has years and years of experience in the property finance game, and everything he has to say will help everyone with their investment journey. For those just at the start of their investing career, Sze discusses just what a mortgage broker is, and how their services can open up a heap of different loan options than any one bank can offer you. You'll learn how you can knock years and thousands of dollars off your mortgage repayments by making sure you're financing everything best according to your situation. Struggling with loan types? Sze has you covered on the podcast. Nervous about failing as an investor? Listen up to Sze's keys to success on the podcast. If all you want is the 47th opinion on interest rates that you've heard today, Sze's is a bloody good one to listen to. There's a good chance that you'll want to put Sze's expertise to work on your own portfolio, and you can reach out here: https://www.mlsfinance.com.au/ https://au.linkedin.com/company/mls-finance https://www.facebook.com/MortgageLendingSpecialists

Frank has hosting duties on this week's episode of Invest In You, and he's joined by a very special guest, Mr. Chris El Moussalli! Chris is director of the wonderful accounting firm, Walker and Co, and has decades of experience in the industry ranging from private individual clients right up to large businesses. Amongst Chris' many satisfied customers have been plenty of investors, and his accountant's perspective on the property game is some of the best information you can get! Investing in property is not as simple as signing a dotted line and handing over a bunch of cash. How you arrange your personal and portfolio finances makes a huge difference to your bottom line over the years, as well as your security from financial catastrophe. Chris discusses trusts and how they operate, insurance and estate planning, and states the facts on one of the hottest topics in property, negative gearing – and that's just the tip of the iceberg! Make sure you tune in and don't miss a second of Chris' wisdom, and if you want to get in touch with him and discuss how you can improve your finances, you can do so here: Chris El Moussalli – Director, Walker and Co # - 03 9439 6431 @ - chris@walkerandcompany.com.au