The Property Nerds

Are you on the list of professionals who can borrow at 90-95% with no LMI? Most property investors assume they need a 20% deposit. Many wait years to avoid Lenders Mortgage Insurance. But in 2026, there are dozens of professions quietly accessing high-leverage loans without paying a cent in LMI. Doctors know.Some lawyers know.Most investors don’t. In this episode of The Property Nerds, we break down how LMI actually works, which jobs qualify for waivers, and when paying LMI might actually make you more money. We unpack: If you’re building your first property, scaling your 3rd, or trying to move faster without waiting years to save a deposit, this episode will change how you think about leverage. Because in Australia, property isn’t just about price, it’s about finance strategy. Timestamps: 02:15 - What Lenders Mortgage Insurance Actually Is 05:40 - The Partial LMI Refund Most Investors Miss 08:50 - Professions That Qualify for 95% Loans 12:10 - Government Schemes & First Home Buyer Guarantees 16:05 - 90% Waiver vs 97% With LMI 18:45 - When Paying LMI Makes Financial Sense 20:10 - When to Ditch the LMI Waiver Strategy 21:30 - Scaling Beyond Your First 2-3 Properties Whether you’re trying to enter the market sooner, stretch your deposit further, or optimise your finance strategy for long term scaling, this is an episode you need to hear. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Are the banks quietly shutting the door on trust lending? Major lenders are pulling back. Macquarie stepped out. CBA tightened policy. ANZ followed. Anti money laundering reforms are expanding. DTI limits are biting. Suddenly, the “endless borrowing” strategy many investors relied on looks very different in 2026. In this episode of The Property Nerds, we break down what’s really happening in the lending landscape and what it means for property investors building portfolios today. Is trust lending dead?Or is it simply evolving? We unpack: If you’re planning to buy your 2nd, 3rd or 5th property, this episode will help you understand how lending strategy, not just rate shopping, determines whether you scale or stall. Because property is a game of finance first. Timestamps: 02:10 - What Actually Changed in Trust Lending 04:45 - Why Macquarie’s Exit Caused Panic 07:30 - Anti Money Laundering & Regulatory Pressure 10:20 - The Truth About “Endless Borrowing” 13:15 - Are Non Banks the New Power Players? 16:40 - SMSF Lending Déjà Vu 19:30 - Major Banks vs Smaller Lenders Explained 22:10 - Why Rate Shopping Can Cost You Long Term 24:50 - The 3-4 Property Reality Most Investors Ignore Whether you’re structuring your first investment properly, reassessing your current portfolio, or trying to understand how to scale in a tighter lending environment, this is an episode you need to hear. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT:Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Is the Inner West becoming Sydney’s new Eastern Suburbs? This week’s guest, Ramon Raneal, is a leading Inner West real estate agent who’s sold over 200 properties across the region and gives us an insider’s view on what’s really driving Sydney’s $2M terrace market. In this episode of The Property Nerds, we unpack one of Sydney’s most debated markets, the Inner West. From $2M “first homes” on small blocks to families migrating from Coogee and the Lower North Shore, we explore why buyers are paying premium prices for lifestyle, proximity, and identity. We unpack: If you’re investing in Sydney, planning to upgrade, or building a long term portfolio, this episode breaks down the psychology, numbers and strategy behind one of Australia’s most tightly held markets. Timestamps: 02:15 - What Defines the Inner West 04:20 - $2M First Homes & PostCOVID Shifts 06:45 - Why Land Size Doesn’t Matter Here 09:30 - The 160sqm Terrace Debate 12:10 - Investor vs Owner Occupier Mindset 14:30 - How to Sell in the Inner West 18:40 - Street by Street Price Differences Explained 21:50 - 3-6 Month Settlements & Changing Negotiation Trends 24:40 - The One Upgrade Sellers Shouldn’t Ignore Whether you’re chasing lifestyle, capital growth, or future consolidation, this is one you need to understand. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we sit down with Paige Hadley to unpack the side of elite sport most people never see, the uncertainty, the sacrifice and the brutal reality that a professional playing career has a time limit. Paige Hadley is one of Australia’s most respected netballers, with a career spanning from world cups to commonwealth games and international representation for the Diamonds. Known for her consistency, leadership and longevity at the elite level, Paige has spent more than a decade performing in high pressure, high performance environments, where contracts are short, careers are finite and planning for life beyond sport is essential. Paige shares what finally made her start thinking seriously about money, wealth, and life after netball, how she and her partner Jordan approached property investing with contract based income and why building the right “support team” (just like sport) was the turning point that made investing feel possible and repeatable. We cover: Timestamps: 02:40 - “Netball isn’t forever”: when life after sport became real 08:10 - Building a business alongside sport 14:20 - What athletes should know about income, career length, and wealth 17:10 - The mindset shift from living “contract to contract” to long term thinking 22:40 - “I wouldn’t have done it alone” why support systems matter 25:30 - Sydney prices and why most people do nothing 27:40 - Why helping women invest is personal for Paige 30:00 - What holds people back from starting 33:10 - Motherhood, money choices and freedom 36:00 - Taking the plunge, asking questions, building your future If you’ve been waiting until you “earn more,” feel more confident or have it all figured out this episode is the reminder that confidence comes after action, and the right strategy + team can change everything. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre- financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we break down one of the most common investor assumptions: that chasing a higher rental yield will meaningfully boost your borrowing capacity. Plus, we unpack a timely SMSF lending update that could change how some investors think about leverage and diversification: 90% LVR options without risk fees, and what that may mean in practice. If you’ve been filtering suburbs based on yield, this episode is your reset.We cover: 1. Why yield obsession usually shows up too late and why it rarely moves borrowing capacity the way people think 2. How a 0.5% yield increase can equal only a modest borrowing bump once banks shade rent and apply DTI limits 3. The bigger levers that actually scale portfolios: income, strategy, savings rate, and lending options 4. What’s changing with higher LVRs and no risk fees, and why it matters for liquidity and diversification inside the fundTimestamps: 00:00 – “If you’re stressing about yield… it’s probably too late” 01:10 – Rental yield impact on borrowing capacity: the big misconception 03:17 – Why a higher yield feels logical 06:01 – The hidden cost: fewer markets, longer search time, missed upside 07:48 – “Cash flow isn’t king” 10:00 – Why higher prices often mean lower yields 11:01 – Fixed costs don’t scale like prices 16:30 – Why negative cash flow is more normal now 18:41 – Growth vs cash flow framing 21:05 – 90% LVR options and what’s changed 22:16 – Why that’s a meaningful difference 24:00 – Stop chasing yield, start building strategically If you’ve been telling yourself “I just need a higher yield first,” this episode will help you zoom out, run the real numbers and focus on the variables that actually move the needle, without delaying your next purchase for the wrong reason. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we sit down with Peter and Serena Marriott to unpack how they built a $5.1 million property portfolio across six properties, starting in their late 40s after nearly a nine year gap of doing nothing. They share the honest reality of what held them back, why “knowing” isn’t the same as acting, and how building the right team changed everything. From going borderless across four states to navigating doubt, timing, finance constraints and market cycles, this conversation breaks down what it really takes to go from your first property to a serious portfolio, without rushing, guessing, or chasing fast money. If you’ve ever wondered whether it’s “too late” to start, how to invest with confidence, or how to avoid costly first-purchase mistakes, this episode is your reset. We cover: 1. How Peter & Serena built a $5.1M portfolio (6 properties) starting in their late 40s and why it’s not too late 2. The 9 year gap and the mindset shift that finally got them moving (and what it cost them to wait) 3. The team & strategy that made it repeatable. Going borderless across multiple states, staying aligned as a couple, and balancing “don’t overpay” vs “don’t miss out” Timestamps: 00:00 - “The hardest part was making ourselves start” 02:12 - From family life to first action: what really changed 04:51 - The 9 year investing gap explained 06:11 - Why most people think they have to do it alone 08:38 - Sitting on equity without realising it 09:19 - From first purchase to serious portfolio momentum 10:30 - Switching teams: what actually matters 12:01 - Regional investing fears and data-led confidence 14:54 - What a good team should never do 16:37 - Diversification across four states 18:24 - Overpaying vs missing out: the real valuation balance 19:17 - Investing as a couple: mindset, risk and communication 22:57 - Going borderless: buying without seeing the property 26:32 - Starting late and investing efficiently 29:41 - Biggest lessons from a $5.1M portfolio 32:50 - Financial habits that made it possible 35:13 - Building wealth for the next generation 37:51 - Consolidation, retirement and what comes next If you’ve been sitting on the sidelines, waiting for the “perfect time,” this episode is a reminder that education without action changes nothing, but the right strategy, team and mindset can change everything. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we cut through the noise on property trusts, because despite what the internet says, a discretionary trust is not a magic “distribute to anyone” tax loophole. With Ronesh from Incentum Group joining as a repeat guest, we go back to basics on discretionary vs unit trusts, the real world tax traps and why your finance strategy must come before structure if you actually want to build a portfolio. We also unpack the lender headlines, the extra compliance pressure being placed on trust setups and the key message investors miss: costs are the cost of doing business, strategy and market cycles come first. We cover: Timestamps: 00:00 - The trust myth 01:59 - Lenders pulling back from trusts: what’s actually going on 02:37 - Trusts explained simply: trustee, beneficiaries, and “discretion” 04:20 - Who should buy in a trust? The 3 questions to decide 06:21 - Discretionary vs unit trusts: the key difference most investors miss 06:49 - When unit trusts make sense 09:54 - Why trusts don’t always “save tax” 11:27 - Why distributing outside the group can trigger 47% 12:26 - Land tax reality: state by state rules and why it gets complicated 21:31 - Finance first, cost of doing business last If you’ve been trying to pick a structure based on tax savings alone, this episode is your reset: start with borrowing capacity and strategy, build the right team, then treat trust costs as part of the cost of doing business, not the thing that blocks your investing plan. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this data driven episode, Arjun, Jack and Adrian unpack why rentvesting is becoming one of the biggest wealth strategies of 2025 heading into 2026 and when it doesn’t make sense. The nerds break down the four core principles of rentvesting, using real examples to show how renting can boost flexibility, protect cash flow and unlock borrowing capacity, if you invest the right way. You’ll also hear their 2026 outlook, including the rise of digital nomads earning Aussie income while living overseas. We cover: Timestamps: 02:19 - What rentvesting is (and what it’s not) 03:03 - Why rentvesting is surging in 2025 04:40 - Renting in expensive cities vs investing elsewhere 05:29 - The real cost of moving: 6-10% + $40k-$60k per transaction 06:46 - Interest rates vs rental yields 07:28 - $6M price point + 1.7% yield 08:08 - When rentvesting doesn’t make sense 10:08 - Why rent isn’t “sensitised” like a mortgage 11:42 - Owner occupier vs renter vs investor scenario 12:30 - Lifestyle vs investment performance 14:41 - Arjun’s case study: “2-minute commute” performance rentvesting 19:39 - The biggest rentvesting mistakes 22:42 - Competing for rentals + “100 person queues” 24:42 - When buying your home can be the smarter move 30:02 - 2026 outlook: is rentvesting getting more attractive? 31:34 - The next trend: Aussies rentvesting while living overseas If you’re serious about building wealth through property, rentvesting isn’t just a lifestyle choice, it’s a finance and performance strategy. Watch this episode to understand the framework, run the numbers properly and decide whether rentvesting is the right move for you going into 2026. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this weeks episode, the nerds sits down with NSW Liberal Party Minister Mark Speakman to unpack what’s really driving Sydney’s housing crisis and why “quick fix” solutions like 5% deposit schemes may actually make affordability worse. From feasibility and planning delays to the tax and charge load baked into new homes, this conversation breaks down the supply side of housing in plain English and explains what would need to change for Sydney (and NSW) to materially increase housing delivery over the next decade. We cover: Timestamps: 03:26 - Why Sydney is now “severely unaffordable” 05:38 - The real bottleneck: financial feasibility 06:37 - The impact of taxes and charges on new builds 07:13 - Will planning reforms actually speed up supply? 08:04 - Community consultation vs delivery 10:43 - Why density must come with infrastructure 11:46 - The quickest lever: easing state taxes and charges 13:53 - Why 5% deposit schemes are “almost cruel” 16:29 - Is Sydney’s price growth partly “normal” for a global city? 18:33 - What policy changes could reduce the tax burden 19:33 - Rosehill/Camellia: why the project stalled 21:19 - What success looks like by 2029 23:28 - The construction workforce problem If you’re serious about investing in property, you can’t ignore the policy mechanics shaping supply, prices, and feasibility. Watch this episode to understand what’s really holding Sydney back, and what reforms could actually move the needle. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre- financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this real investor case study, Kit Gunasekara joins us as we break down the real story behind building a $5M property portfolio across 7 properties in his 30s, including the early mistakes that cost him growth, confidence and opportunity. From buying a Melbourne CBD apartment that went backwards, to working with a buyer’s agent that didn’t deliver, Kit shares what finally changed everything. If you’re trying to grow a portfolio (or restart after a setback), this episode is your playbook. We cover: Timestamps: 03:02 - Why property (and leverage) wins 05:52 - Land is king09:29 - Education & accountability 11:26 - Buying in 2023 13:52 - Future proofing with structure 15:08 - The Darwin thesis 16:19 - Diversification lowers risk 21:12 - Career pivot with purpose 26:58 - The 3 part investor playbook If you’ve been waiting for the “perfect time” or the “perfect property,” this is your reminder: the investors who win are the ones who learn fast, ask better questions and move with conviction. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL:Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this data driven episode, Arjun, Jack and Adrian break down the real lending shifts shaping Australia’s property finance landscape, from rising DTI limits to the new investor lending cap that could shake the market. Whether you’re a first time investor or scaling your portfolio, this episode unpacks how finance policies, trust structures and bank rules are quietly changing the game and how to position yourself before they hit your bottom line. We cover: Timestamps: 02:17 - What APRA’s proposal actually targets 03:01 - Brokers & non banks take centre stage 04:45 - DTI 101 with rentvesting 06:10 - Common DTI misconceptions 11:07 - Hitting goals under DTI ≤6 13:36 - LMI waivers + 1% assessment buffers 15:05 - 40-year loan terms 16:59 - LMI 101: cost & structures" 20:12 - Move purchases forward, compound faster If you’re serious about building wealth through property, understanding finance strategy is non negotiable. Watch this episode to learn how to make the new lending landscape work for you. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this week’s episode of The Property Nerds Podcast, The Nerds sit down with Molly Benjamin, founder of Ladies Finance Club, to get into how she turned a personal financial low point into a nationwide movement helping women build confidence with money. Molly shares her powerful story of transformation and the lessons every investor, saver, and future homeowner can learn from it. Molly Benjamin is a speaker, educator and founder of Ladies Finance Club, a community that empowers women to take control of their money with confidence. Her practical, no judgement approach has inspired thousands to start investing, buy property, and rethink their relationship with money. In this conversation, you’ll learn: Timestamps: 02:13 - Molly’s journey to financial freedom 05:21 - Shame, habits & money messages from parents 08:16 - Mindset blocks: fear, cash comfort & the $800k shock 11:11 - How property fits into a financial plan 13:41 - Fixing financial literacy from childhood 16:27 - Trends: older first time buyers & post divorce investors 18:41 - Molly’s rentvesting wins & using professionals 20:41 - Molly’s best money decisions 21:51 - How to join Ladies Finance Club Money shapes opportunity but too often, women are left out of the conversation. Molly’s work is a reminder that financial literacy isn’t just about wealth; it’s about freedom, security, and legacy. Whether you’re buying your first property or rethinking your money habits, this episode is packed with practical insights and motivation. CONNECT WITH MOLLY: Instagram: https://www.instagram.com/msmollybenjamin/ Website: https://www.ladiesfinanceclub.com/ CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

This week it is just the nerds! They’re pulling back the curtain on the finance moves even experienced investors miss. If you think restructuring is only for first timers, this episode will change your mind. We walk through three live client scenarios that shifted assets into smarter structures, freed up borrowing power and without higher incomes, created room for bigger commercial plays and two additional properties. Timestamps: 00:00 - Why Paying Tax Is (Quietly) a Good Thing 02:05 - Case Study #1: Two Resi, One Commercial & ‘Tapped Out’ 04:55 - Unlocking Capacity with SMSF & Trusts 08:39 - Easy vs Right: Ethics in Finance Strategy 12:01 - Case Study #2: When It’s Time to Stop Chasing Growth & Start Chasing Income 19:03 - Busting the ‘Never Sell’ Myth & The Down sizer Dilemma 23:08 - Case Study #3: High Income Bankers Stuck at One Bank 25:32 - Trusts, SMSFs & Replacing One Property with Two 29:36 - The Power of Two Extra Properties Property is a game of finance. Structure, not just rate, dictates what you can buy next, how fast you grow and whether your portfolio will ever pay you to retire. These three cases show how smart sequencing can turn a stuck portfolio into a scalable, income producing plan. If you want strategies like these mapped to your numbers, reach out to Fouracre Financial. Follow, rate, and send this to a mate who’s “tapped out” but still wants to grow. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

When COVID uncertainty hit, Aman Sethi went from owning two properties to adding six more in quick succession, while running a fast growing migration & careers business. The Property Nerds break down the “executive homes in the middle ring” strategy, the finance decisions that unlocked scale and how Aman used equity as a safety buffer to keep moving when others froze. Aman Sethi is a valued InvestorKit client and the founder of a dual arm business: visa & migration advisory plus job search/coaching and staffing solutions across Australia. His portfolio built largely interstate and often sight unseen focuses on quality assets with strong yield and long term growth fundamentals. In this conversation, you’ll learn: Timestamps: 1:50 - The Turning Point 3:40 - Investing During Uncertainty 5:10 - Quality Over Quantity 7:00 - The “Executive Homes” Strategy 11:00 - Why Yield Matters 15:00 - The Power of Equity Growth 20:30 - Guidance & Diligence: The “Insurance” Moments 23:30 - Building a Team & Buying Interstate 26:20 - Finance Strategy & Scaling Tips 45:10 - Balancing Business and Property Investing Enjoy the episode and if it helps, pass it to a business owner who needs a nudge from “comfortable” to “compounding.” CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this week’s episode of The Property Nerds, Arjun sits down with Ryan and Lauren, physios from Darwin who’ve built a five property portfolio across three states in just five years. From buying sight unseen to balancing careers and cashflow, they share the strategies that helped them turn research into real results. You’ll learn: Timestamps: 1:19 - The Moment They Chose Property 7:36 - Why They Ditched DIY & Hired Pros 8:01 - Brisbane House That Doubled 19:21 - Bundaberg Bet: Regional vs Capital Cities 21:12 - The Home & Land Mistake (And Why They Kept It) 27:02 - How They Make Money Decisions As a Couple 29:51 - Systems, Offsets & Points Hacks 31:51 - Planning Property #6 & Advice For Beginners Ryan and Lauren’s story shows that building wealth through property isn’t about luck, it’s about clarity, systems and staying the course even when results take time. Their journey is a blueprint for anyone ready to move from researching to actually investing. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, Adrian sits down with Paul Hancock, the 2025 REINSW Auctioneer of the Year, for an inside look at what really goes on behind the hammer. From bidding psychology to campaign strategy, Paul breaks down the art and science of winning at auction, for both buyers and sellers. Paul shares his perspective on what makes an ideal auction campaign in today’s market, why three weeks is often the sweet spot, and how timing and confidence can completely change the outcome. He also unpacks bidding strategies, from making the first move to mastering the element of surprise and explains the subtle signals that can give experienced bidders an edge. The conversation rounds out with the biggest mistakes buyers make at auction, why sitting back can cost you the property, and how preparation and conviction separate successful bidders from the rest. Timestamps: 00:00 - Intro 01:10 - Winning Auctioneer of the Year 03:01 - The Ideal Auction Campaign Length 06:11 - Bidding Strategies That Work 09:46 - How to Keep the Pressure On 12:41 - Minimum Bids & Auctioneer Rules 15:31 - The Smallest Bid Ever Taken 17:21 - Common Mistakes Buyers Make 19:01 - The Power of Prepared Bidding 20:21 - Outro Listen now to learn how to bid smart, stay confident, and buy like a pro. Connect with us to stay in the loop! Instagram: https://www.instagram.com/commercialinvestorpodcast/ TikTok: https://www.tiktok.com/@commercialinvestorpod Connect with Arjun Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ Connect with InvestorKit Instagram: https://www.instagram.com/investorkit.com.au/Linkedin: https://www.linkedin.com/company/investorkit/Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

What does it take to build wealth back home while living 12,000 kilometres away? In this Property Nerds International episode, Arjun sits down in Dubai with aviation professional and seasoned Aussie expat Tim Biason, who’s spent the past 11 years working across Qatar, Hong Kong, and the UAE, all while quietly growing a strong investment portfolio in Australia. From navigating finance as an overseas income earner to transforming his approach from gut instinct to data-driven strategy, Tim shares what it really takes to make your expat years count. Despite life overseas, he’s continued to build his property portfolio back home in Australia, proving that distance doesn’t have to derail your investment goals. In this conversation, you’ll learn: Timestamps: 00:00 - Intro 01:46 - Aussie Expats Building Wealth Overseas 03:24 - From Business Grad to Aviation Engineer in Dubai 04:50 - How Property Became Tim’s Path to Long Term Wealth 05:52 - The Biggest Financial Hurdles Expats Face 09:59 - Why Using a Buyer’s Agent Made All the Difference 13:19 - From Family Advice to Data-Driven Investing 16:01 - Building a Smart Strategy for Life After Dubai 25:06 - Don’t Waste Your Time Abroad So many Aussie expats earn great tax-free salaries but struggle to turn that into long-term wealth. Tim’s story shows what’s possible when you turn your career advantage into financial leverage, using the right data, strategy, and team. Listen now, save it for later, or share it with an Aussie expat who needs a nudge to get started. CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

Arjun is back in London this week sitting down with Damien, an Aussie expat who, together with his wife, Tanya, decided to keep investing in Australia while living and earning in the UK. They unpack how a strong GBP, the right finance/buying team, and a clear plan turned “it’s too hard from overseas” into real equity growth. Plus, the common expat mistakes that quietly cost six figures. In this conversation, you’ll learn: 1. Leverage the currency, not just the postcode: You only need to save a deposit, GBP strength + AU lending (80–90% LVRs) can accelerate buying power. 2. Team beats “gut feel”: A buyer’s agent + expat-savvy broker + conveyancer remove time zone, research, and access bottlenecks. 3. Beware the familiarity trap: Copy pasting UK habits to Australia can underperform vs house led, data driven buys. Timestamps: 00:00 - Intro 02:43 - Why London… and why still invest in Australia 05:46 - The real overseas investing challenges 07:58 - Picking markets when everywhere is “remote” 09:24 - How one team, end to end process made it simple 10:56 - Why not buy in the UK? Intrinsic system knowledge matters 12:14 - Travel, family and finding the savings discipline 14:20 - Expat finance 101 18:10 - Purchase price, rent and $200k equity uplift 20:05 - Going solo (and the costly outcomes) Thousands of Aussies working overseas have latent buying power they’re not using. The edge isn’t just the exchange rate, it’s removing friction: outsource the research, buy where the data points (not where your friends live) and structure finance for expat realities. Done right, you compound Australian growth while building your UK career/life. Thanks for tuning in to The Property Nerds. If this helped, drop a quick rating and follow so you never miss an episode! CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/Website: https://fouracrefinancial.com.au/ CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/ CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

UK tradie turned Aussie expat Patty shares how a life pivot took him from building a booming construction business in Sydney to moving back to Liverpool, while still growing wealth in Australia from the other side of the world. We unpack why he chose to invest back home (not the UK), the role a buyer’s agent played, the myths he ditched (hello, “buy by the beach”) and how his first purchase in Townsville jumped from just over $580k to $740k in a year. If you’re an Aussie living abroad or planning a move this chat shows the exact mindset, team, and process to build a portfolio remotely, stay calm through hiccups (tenants, maintenance, time zones), and use early equity to step into capital-city markets next. What you’ll learn: Expat playbook: currency, distance, and time-zone realities made simple Australia vs UK: cash flow vs growth and why it matters for long-term goals Strategy over postcode: how data beats emotion when you don’t live locally From 1 property to portfolio: using growth to fund the next buy TIMESTAMPS: 00:00 - From Liverpool to Australia 01:12 - Why So Many UK Expats Are Investing in Australian Property 03:45 - Building a Life in Australia: From Brisbane to Sydney in Construction 06:48 - Family Comes First: Moving Back to the UK 09:58 - Personal Crisis Sparked an Investment Mindset Shift 12:26 - Why Patty Chose a Buyer’s Agent 15:03 - Townsville Property Boom 17:42 - Why You Don’t Need to Buy Near the Beach 20:14 - Managing an Australian Investment From the UK 22:47 - Using Equity to Grow a Portfolio From Overseas CONNECT WITH THE PROPERTY NERDS: Instagram:https://www.instagram.com/thepropertynerdspodcast/ TikTok: https://www.tiktok.com/@thepropertynerdspodcast CONNECT WITH FOURACRE FINANCIAL: Instagram:https://www.instagram.com/fouracre.financial/ Linkedin: https://www.linkedin.com/company/fouracre-financial/ Website: https://fouracrefinancial.com.au/CONNECT WITH ARJUN: Instagram: https://www.instagram.com/arjpaliwal/ Linkedin: https://www.linkedin.com/in/propertybuyersagent/CONNECT WITH INVESTORKIT: Instagram: https://www.instagram.com/investorkit.com.au/ Linkedin: https://www.linkedin.com/company/investorkit/ Website: https://www.investorkit.com.au/ This Podcast was Recorded & Produced by KYU Media. For Production related inquiries please get in touch with us at https://kyumedia.com/

In this episode of The Property Nerds, we're back with Ronesh Hargovind from Incentum Group to get the truth about Self Managed Super Funds (SMSFs), one of Australia’s fastest growing wealth building strategies. You’ll learn: How much money you actually need to start an SMSF The tax advantages and compliance rules every investor should know The key differences between financial planners and accountants The biggest mistakes Australians make with SMSFs and how to avoid them The pros and cons of using trust structures when investing in property Whether you’re an Australian property investor, business owner, or someone curious about taking control of your superannuation, this episode gives you the full picture, from setup and strategy to long term retirement planning. Timestamps: 0:00 - Intro 1:00 - Who Should Set Up Your SMSF? 3:50 - How Superannuation Contributions and Caps Work 5:30 - SMSF Tax Benefits Explained 7:55 - The Most Common SMSF Mistakes Investors Make 10:30 - ATO Penalties and Compliance Risks for SMSF Trustees 13:15 - How Much You Need to Start an SMSF 15:40 - High Net Worth SMSFs 17:00 - Land Tax Differences for NSW Investors 19:55 - How to Set Up an SMSF