119 episodes · Newest first
There is plenty of content explaining the benefits of buying property in a trust or company, but very few talk about the reasons to avoid it. Jumping into a complex structure without understanding the lending realities can accidentally limit lender options, restrict the ability to pull out equity, and lock investors out of scaling their portfolios.
People don't realise there are three big things about to happen. Listings are coming on and piling up through October and November, then they tank over Christmas as agents go on break and buyers and sellers just want to get it done. Yields are rising, not because rents are booming, but because prices are coming back down. And around every RBA rate rise,...
Their first two properties went nowhere. Off-the-plan apartments bought on family advice that produced zero growth and years of frustration. Fast forward to today. Dr Rex Kwan and Melissa Tsui hold a $7M+ portfolio across multiple states with over $2M in equity. They built all of it without visiting a single property. They'd never even met Arjun in...
There's a difference between a broker who gets you approved and a strategist who structures each purchase so the next one is already set up before you've settled the first. In 12 months, one client built $1.2M in equity across 8 properties. None of them were cash flow positive. They didn't need to be. The plan was always to sell down, clear the debt, and...
Investment lending has shifted. While most investors were still processing the post-budget borrowing power drop, banks quietly started loosening policy. Rental income shading moved from 80% to 95%. 95% LVR on investment loans went from rare to common. And the borrowing power gap that started at 30% post-budget is now within 10%.
Most property owners in Australia are on autopilot. They get a loan, set up their repayments, chase a slightly better rate every couple of years, and forget about it for 30 years.
Three months ago, Arjun and Jack made predictions about what the budget changes would actually do to property investors. Three months on, some came true, some haven't yet, and one turned out to be a bank mistake that cut borrowing power by 30% almost overnight.In this episode of the Property Nerds podcast, Arjun Paliwal (CEO of InvestorKit) and Jack...
A policy framed as first home buyer support should, in theory, produce more first home buyers in the market. The data tells a different story.
Policy changes are announced with clear intentions, but the way people actually respond rarely matches the press release. In the months following recent budget changes, property investors and owner-occupiers alike have started making decisions that weren't necessarily the ones policymakers anticipated.
For years, Sudesh owned exactly two investment properties. Both were in Melbourne, both were land he could drive past on a weekend, and both fit comfortably within what felt safe and familiar. Then, in the space of two years, that same portfolio grew from two properties to six, spanning four states and approaching $6 million in value.
A policy change described as affecting less than 1% of residential lending sounds like something most property investors could safely ignore. But that figure only tells part of the story.
Most people building a property portfolio can explain why they're doing it. Better schools, more choice, financial freedom, a legacy for their family. What far fewer people can explain is what happens to that plan if they suddenly can't work.
