The Property Nerds

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: The mindset mistake most investors make with DTI limitsWhy paying LMI can actually save you thousandsHow Apple’s 20% investor lending cap could reshape the banksThe “policy X factors” your broker might not even know aboutHow to use changing finance rules to unlock your next dealTimestamps:02:17 - What APRA’s proposal actually targets03:01 - Brokers & non banks take centre stage04:45 - DTI 101 with rentvesting06:10 - Common DTI misconceptions11:07 - Hitting goals under DTI ≤613:36 - LMI waivers + 1% assessment buffers15:05 - 40-year loan terms16:59 - LMI 101: cost & structures"20:12 - Move purchases forward, compound fasterIf 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/@thepropertynerdspodcastCONNECT 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:Why women often save well but hesitate to invest and how to change that mindset.2. How to overcome shame, fear, and financial “taboos” to take action.3. The role property and rentvesting play in building long-term wealth.Timestamps: 02:13 - Molly’s journey to financial freedom05:21 - Shame, habits & money messages from parents08:16 - Mindset blocks: fear, cash comfort & the $800k shock11:11 - How property fits into a financial plan13:41 - Fixing financial literacy from childhood16:27 - Trends: older first time buyers & post divorce investors18:41 - Molly’s rentvesting wins & using professionals20:41 - Molly’s best money decisions21:51 - How to join Ladies Finance ClubMoney 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/@thepropertynerdspodcastCONNECT 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.In this episode, you’ll learn:How to move a commercial asset from personal name to SMSF to lower tax, free borrowing capacity, and redeploy equity, before your next purchase.Why “never sell” can quietly sabotage retirement and when selling to enter commercial converts paper gains into reliable cash flow.The single bank trap for high earners and how multi lender policy differences and trust structures can add two properties without lifting your salary.Timestamps:00:00 - Why Paying Tax Is (Quietly) a Good Thing02:05 - Case Study #1: Two Resi, One Commercial & ‘Tapped Out’04:55 - Unlocking Capacity with SMSF & Trusts08:39 - Easy vs Right: Ethics in Finance Strategy12:01 - Case Study #2: When It’s Time to Stop Chasing Growth & Start Chasing Income19:03 - Busting the ‘Never Sell’ Myth & The Down sizer Dilemma23:08 - Case Study #3: High Income Bankers Stuck at One Bank25:32 - Trusts, SMSFs & Replacing One Property with Two29:36 - 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/@thepropertynerdspodcastCONNECT 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:Why “executive” family homes in middle ring suburbs can out yield inner ring prestige and out perform outer ring volume plays.How staying on top of valuations and recycling equity creates buffers that enable decisive action.The mindset shift high income professionals need to scale beyond 1-2 properties, quality over count, data over emotion.Timestamps: 1:50 - The Turning Point 3:40 - Investing During Uncertainty 5:10 - Quality Over Quantity 7:00 - The “Executive Homes” Strategy11:00 - Why Yield Matters15:00 - The Power of Equity Growth20:30 - Guidance & Diligence: The “Insurance” Moments23:30 - Building a Team & Buying Interstate26:20 - Finance Strategy & Scaling Tips45:10 - Balancing Business and Property InvestingEnjoy 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/@thepropertynerdspodcastCONNECT 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:Why they chose property over other investments and how leverage became their key to building wealth.The mindset shift that helped them buy interstate without ever visiting the properties.How structured money habits and teamwork allowed them to scale confidently.Timestamps: 1:19 - The Moment They Chose Property7:36 - Why They Ditched DIY & Hired Pros8:01 - Brisbane House That Doubled19:21 - Bundaberg Bet: Regional vs Capital Cities21:12 - The Home & Land Mistake (And Why They Kept It)27:02 - How They Make Money Decisions As a Couple29:51 - Systems, Offsets & Points Hacks31:51 - Planning Property #6 & Advice For BeginnersRyan 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/@thepropertynerdspodcastCONNECT 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 - Intro01:10 - Winning Auctioneer of the Year03:01 - The Ideal Auction Campaign Length06:11 - Bidding Strategies That Work09:46 - How to Keep the Pressure On12:41 - Minimum Bids & Auctioneer Rules15:31 - The Smallest Bid Ever Taken17:21 - Common Mistakes Buyers Make19:01 - The Power of Prepared Bidding20:21 - OutroListen 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 ArjunInstagram: https://www.instagram.com/arjpaliwal/Linkedin: https://www.linkedin.com/in/propertybuyersagent/Connect with InvestorKitInstagram: 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:The biggest challenges Aussie expats face when investing from abroad and how to overcome them.Why property, not lifestyle, has been the most stable source of wealth in Tim’s journey.How working with professionals transformed his strategy from gut feel to data driven growth.Timestamps:00:00 - Intro01:46 - Aussie Expats Building Wealth Overseas03:24 - From Business Grad to Aviation Engineer in Dubai04:50 - How Property Became Tim’s Path to Long Term Wealth05:52 - The Biggest Financial Hurdles Expats Face09:59 - Why Using a Buyer’s Agent Made All the Difference13:19 - From Family Advice to Data-Driven Investing16:01 - Building a Smart Strategy for Life After Dubai25:06 - Don’t Waste Your Time AbroadSo 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/@thepropertynerdspodcastCONNECT 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 - Intro02:43 - Why London… and why still invest in Australia05:46 - The real overseas investing challenges07:58 - Picking markets when everywhere is “remote”09:24 - How one team, end to end process made it simple10:56 - Why not buy in the UK? Intrinsic system knowledge matters12:14 - Travel, family and finding the savings discipline14:20 - Expat finance 10118:10 - Purchase price, rent and $200k equity uplift20:05 - 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/@thepropertynerdspodcastCONNECT 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 simpleAustralia vs UK: cash flow vs growth and why it matters for long-term goalsStrategy over postcode: how data beats emotion when you don’t live locallyFrom 1 property to portfolio: using growth to fund the next buyTIMESTAMPS:00:00 - From Liverpool to Australia01:12 - Why So Many UK Expats Are Investing in Australian Property03:45 - Building a Life in Australia: From Brisbane to Sydney in Construction06:48 - Family Comes First: Moving Back to the UK09:58 - Personal Crisis Sparked an Investment Mindset Shift12:26 - Why Patty Chose a Buyer’s Agent15:03 - Townsville Property Boom17:42 - Why You Don’t Need to Buy Near the Beach20:14 - Managing an Australian Investment From the UK22:47 - Using Equity to Grow a Portfolio From OverseasCONNECT WITH THE PROPERTY NERDS:Instagram:https://www.instagram.com/thepropertynerdspodcast/TikTok: https://www.tiktok.com/@thepropertynerdspodcastCONNECT 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 SMSFThe tax advantages and compliance rules every investor should knowThe key differences between financial planners and accountantsThe biggest mistakes Australians make with SMSFs and how to avoid themThe pros and cons of using trust structures when investing in propertyWhether 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 - Intro1:00 - Who Should Set Up Your SMSF?3:50 - How Superannuation Contributions and Caps Work 5:30 - SMSF Tax Benefits Explained7:55 - The Most Common SMSF Mistakes Investors Make10:30 - ATO Penalties and Compliance Risks for SMSF Trustees13:15 - How Much You Need to Start an SMSF15:40 - High Net Worth SMSFs17:00 - Land Tax Differences for NSW Investors19:55 - How to Set Up an SMSF