Property Investment Podcast Network
- Épisodes
- 1 707
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- quotidienne
- Dernier épisode
- 13 Nov 2026
À propos du podcast
The Smart Property Investment Podcast Network brings together the best of Australian property investment talent within one dedicated platform – delivering investors unparalleled insights to help them create greater wealth through property. Lead by top business podcaster Phillip Tarrant from www.smartpropertyinvestment.com.au, the Smart Property Investment Podcast Network includes a number of focused programs, including: The Smart Property Investment Show, Portfolio Update, Investing Insights with Right Property Group, and more! Join the more than 100,000 listeners every month who tune in to The Smart Property Investment Podcast Network. Join the community, get involved and take action to realise your property investment ambitions. Subscribe today and receive each new podcast direct to your podcast player. For further information visit www.smartpropertyinvestment.com.au or email [email protected].
Épisodes 1 707
Property Buzz: Another Robodebt? Behind the ATO's automated small business crackdown
Is Australia heading towards another Robodebt-style scandal? With the ATO accused of using automated systems to pursue struggling small businesses, and questions mounting over the accuracy of its debt …
Notes de l’épisode
Is Australia heading towards another Robodebt-style scandal? With the ATO accused of using automated systems to pursue struggling small businesses, and questions mounting over the accuracy of its debt collection practices, Phil Tarrant and Liam Garman examine whether the tax office has gone too far, and who's holding it accountable. Meanwhile, the pair discuss the incomplete story on negative equity – and break down the true cost of selling.
On this episode of Property Buzz, Phil Tarrant and Liam Garman examine allegations that the ATO is using automated payroll and superannuation data matching to target small businesses, with discrepancies potentially triggering penalties of up to 200 per cent.
The pair question whether automated enforcement is producing inaccurate demands, drawing on concerns raised by accountants about the ATO's increasingly aggressive approach. They also call for greater transparency around staff training, remuneration and accountability, warning of the pressure these practices could place on struggling business owners.
Meanwhile, Australia's property downturn is gathering pace, with investor loan commitments plunging 30.6 per cent in the September quarter and first home buyer lending falling 8.6 per cent. With some mortgage brokers reporting an 80 per cent collapse in business, the hosts examine why agency principals are returning to the frontline and whether further industry consolidation is inevitable.
Finally, Tarrant and Garman unpack the major banks' push to attract borrowers directly through cashback incentives, question the government's investment tax reforms and examine the growing financial risks facing home owners as property prices and transaction volumes decline.
THE PURE PROPERTY PODCAST: Buy now or wait? Why investors need to rethink their next move
Falling prices are creating new opportunities, but buying into a downturn without checking cash flow, borrowing power, and long-term plans could leave investors exposed. With capital city prices falling and …
Notes de l’épisode
Falling prices are creating new opportunities, but buying into a downturn without checking cash flow, borrowing power, and long-term plans could leave investors exposed. With capital city prices falling and interest rates rising again, investors are facing a difficult choice: take advantage of softer prices or hold back until the market turns. On The Pure Property Podcast, Phil Tarrant and Paul Glossop speak with senior buyer's agent Aaron Findlay about navigating the downturn, avoiding the trap of trying to time the market, and knowing when to consolidate rather than buy again. The trio examine past property corrections, affordable regional Victorian markets, and the yields now available in established locations.
They also discuss the risk of negative equity for buyers who entered Brisbane, Perth, and Adelaide at the peak, and why a seven- to 10-year holding period should shape purchasing decisions.
Glossop and Findlay also explain when investors should stop buying and focus on cash flow, review their existing properties and consider whether each asset still serves a purpose in their portfolio.
SPECIAL SERIES: The art of the deal: How to buy commercial property without getting burned
A commercial property might promise an attractive yield, but a bad tenant, hidden costs or the wrong lease could turn it into an expensive mistake. Right Property Group's Victor Kumar reveals how experienced …
Notes de l’épisode
A commercial property might promise an attractive yield, but a bad tenant, hidden costs or the wrong lease could turn it into an expensive mistake. Right Property Group's Victor Kumar reveals how experienced investors find, assess, and negotiate commercial property deals, and the red flags that should make buyers walk away.
In the final episode of the six-part Post-Budget Guide to Commercial Property Investing, Smart Property Investment's Phil Tarrant and Right Property Group's Victor Kumar bring the series together with a practical guide to finding, assessing and buying commercial property.
Victor explains why investors must define their income, growth, and cash flow objectives before searching for opportunities. He then reveals how to uncover on-market and off-market deals, why agent relationships matter, and how to avoid overpaying for poorly understood assets.
The pair unpack Victor's 10-point screening checklist, covering everything from location, tenants, and leases to rental yields, financing, capital expenditure, and exit strategies. They also explain how to determine a property's true value, conduct due diligence, and negotiate beyond the purchase price, including settlement terms, vendor works, and finance conditions.
Finally, Victor reveals the deal-breakers that make him walk away, from undisclosed rental incentives and unreliable tenants to building defects and compliance issues. With his team asking around 130 questions during due diligence, he explains why even an attractive headline yield is no substitute for knowing exactly what you're buying.
THE PROPERTY NERDS: Same bank, different rules
Buying investment property through a trust might sound like a smart strategy, but what if it costs you thousands, shuts you out of half the lending market and stops you from buying your next property? Arjun …
Notes de l’épisode
Buying investment property through a trust might sound like a smart strategy, but what if it costs you thousands, shuts you out of half the lending market and stops you from buying your next property? Arjun Paliwal and Jack Fouracre expose the hidden costs of property ownership structures, and why buying with family or friends could be just as risky.
On this episode of The Property Nerds Podcast, InvestorKit's Arjun Paliwal and Fouracre Financial's Jack Fouracre challenge the rush to buy through trusts, companies, and joint ownership structures, revealing the financial pitfalls investors often overlook.
The pair unpack the costs of setting up trusts, including complex arrangements costing up to $15,000, higher interest rates, ongoing accounting fees, and the inability to offset trust losses against personal income.
Fouracre explains why trust borrowers can lose access to more than half of a broker's lending panel, how tighter debt-exclusion policies can restrict borrowing capacity, and why accessing equity for the next purchase is becoming increasingly difficult.
They also explore the risks of buying with family or friends, including scenarios where lenders assess one investor against 100 per cent of the debt but recognise only half the rental income. The pair explain how specialised lending policies can help, and when investors may need to unwind joint ownership arrangements.
Ultimately, they reveal why the right ownership structure depends on an investor's circumstances, and why understanding the downsides before buying could save thousands and protect future borrowing capacity.
From negative equity to 20 properties: Where a top broker is buying now
He once burned through his savings after three property purchases went wrong. Now, with a portfolio of around 20 properties, Strategic Brokers' Hung Chuy reveals the lessons behind his investing success, why …
Notes de l’épisode
He once burned through his savings after three property purchases went wrong. Now, with a portfolio of around 20 properties, Strategic Brokers' Hung Chuy reveals the lessons behind his investing success, why the big banks are losing business to smaller lenders, and where experienced investors are putting their money as prices fall.
On this episode of The Smart Property Investment Show, Phil Tarrant is joined by Strategic Brokers' Hung Chuy to unpack the changing lending landscape, where investors are finding opportunities, and the lessons behind his 20-property portfolio.
Chuy explains why second- and third-tier lenders are winning business from major banks, and how equity-rich investors are capitalising on falling prices. He also reveals why Melbourne units are attracting attention, alongside a Sydney apartment purchased for around $420,000 with potential rent of $620 a week.
The pair discuss why October to December can be the best time to buy, before Chuy reflects on three off-the-plan Brisbane purchases that left him facing negative equity and drained his savings. He shares what the experience taught him about cash buffers, property selection, and managing risk.
Finally, Chuy reveals why he's considering selling a Western Australian property to buy three units, potentially boosting his annual cash flow by $50,000, and why he's prepared to sacrifice capital gains for stronger yields. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
Which Mortgage: How one SMSF refinance could save $61k and add $300k to your retirement
Another RBA rate hike is pushing mortgage repayments higher, but thousands of investors could be paying far more interest than they need to. Finni brokers Eva Loisance and Costa Arvanitopoulos reveal how SMSF …
Notes de l’épisode
Another RBA rate hike is pushing mortgage repayments higher, but thousands of investors could be paying far more interest than they need to. Finni brokers Eva Loisance and Costa Arvanitopoulos reveal how SMSF investors can slash their repayments through refinancing, and how one simple change could save $61,000 over a decade and potentially add more than $300,000 to their retirement nest egg.
On this episode of Which Mortgage, host Alex Whitlock is joined by Finni brokers Eva Loisance and Costa Arvanitopoulos to unpack the latest RBA rate hike and how SMSF investors could save tens of thousands of dollars by refinancing.
Arvanitopoulos uses his own SMSF portfolio to show how investors could save thousands by refinancing. With SMSF loans typically attracting higher interest rates, he reveals how switching two loans from 7.9 and 7.7 per cent to 7.05 per cent could save $512 a month, or $61,440 over 10 years. Eva then explains how reinvesting those savings at an assumed 8 per cent annual return could add more than $300,000 to his retirement nest egg over 20 years.
The trio reveal why SMSF loans often go unchecked, how newer refinancing policies can simplify the process, and why borrowers with clean repayment histories could avoid a full reassessment.
They also examine where investors are buying, with Finni's data showing a 14 per cent jump in Victorian loan applications over 12 weeks, and why properties priced between $500,000 and $650,000 are attracting interest.
Finally, Loisance ranks her top three lenders, Granite, Macquarie, and Resimac, including a lender offering first home buyers a 5 per cent deposit option without lenders mortgage insurance.
Property Buzz: Sellers are getting desperate. Buyers are sitting on billions. Who blinks first?
Distressed property listings have surged 42 per cent, but Australians are quietly stockpiling billions in mortgage offsets. As another RBA rate hike squeezes borrowers, Phil Tarrant and Liam Garman unpack the …
Notes de l’épisode
Distressed property listings have surged 42 per cent, but Australians are quietly stockpiling billions in mortgage offsets. As another RBA rate hike squeezes borrowers, Phil Tarrant and Liam Garman unpack the risks of bridging loans and parental guarantees in a falling market, and whether the government could be forced to backtrack on its controversial property tax reforms.
On this episode of Property Buzz, Phil Tarrant and Liam Garman unpack Australia's cooling property market, with national listings up 19.3 per cent, distressed listings climbing 42.3 per cent and another rate hike putting borrowers under pressure.
The pair examine a 168 per cent jump in bridging loan submissions and the risks of buying before selling in a falling market. They also warn about the hidden dangers of parental guarantees, negative equity and commercial property margin calls, and why investors need to understand their exposure.
But it's not all doom and gloom. Garman reveals that Westpac's mortgage offset balances have climbed from $71 billion to $81 billion in just 12 months, with National Australia Bank (NAB) reporting a similar trend. Are Australians preparing for a recession, or stockpiling cash for their next investment?
The hosts also challenge the popular 18.6-year property cycle theory, questioning whether its apparent accuracy is simply coincidence, and debate whether the government will be forced to wind back its self-managed super fund (SMSF) lending restrictions and negative gearing reforms.
Finally, it's listener questions, with the pair tackling debt recycling, the impact of falling property transactions on government tax revenue, and when investors should consider selling rather than continuing to fund a struggling portfolio.
The rich are getting richer: What experienced investors are buying while everyone else waits
Before the budget, about half of Kev Tran's new clients were first-time investors. Now most already own two or more properties. Experienced investors with equity and buffers are moving while others wait for the …
Notes de l’épisode
Before the budget, about half of Kev Tran's new clients were first-time investors. Now most already own two or more properties. Experienced investors with equity and buffers are moving while others wait for the all-clear, and the gap is widening. Tran breaks down four very different plays for four kinds of investors, and why waiting for certainty can leave you six months behind.
On this episode of The Smart Property Investment Show, editor Liam Garman sits down with Kev Tran of KTG Property Advisory to unpack why the post-Budget market is splitting buyers in two: those who are acting, and those who are waiting.
Tran says the mood is squeezed and confidence is low, yet his seasoned clients see opportunity in a softer market. His first rule is to review your portfolio before you look at a single property: rates, equity, loan-to-value ratios, holding costs, and buffers. For some, that review ends with a clear "hold off".
For those who are ready, Tran breaks down four plays for four kinds of investors, with real deals:
- Tighter budget or cash flow: Melbourne's brick walk-ups, where Tran shares an example of a recent Thornbury apartment and Pascoe Vale villa, plus the due diligence watch-outs on roofs, levies, and insurance.
- A bigger budget: a Narre Warren house bought for less than a comparable vacant block nearby, with granny flat upside.
- Regional: Victorian houses yielding around 5 per cent gross.
- An established portfolio: why he's cautious on commercial if you're not ready – but for those who are, he shares the example of an industrial unit he bought at a 6.7 per cent net yield.
If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
SPECIAL SERIES: Making commercial property work harder – strategies for growth and value creation
Residential investors can wait for the market to do the hard work. Commercial investors who want growth usually have to build it themselves. Victor Kumar reveals the levers that lift a property's value and how …
Notes de l’épisode
Residential investors can wait for the market to do the hard work. Commercial investors who want growth usually have to build it themselves. Victor Kumar reveals the levers that lift a property's value and how recovering a few thousand dollars in outgoings can add six figures to a valuation. Buying a commercial property is the start. What you do next shapes its value. In Part 5 of the Post Budget Guide to Commercial Property Investing, Phil Tarrant and Victor Kumar of Right Property Group ask how you actively improve a property's income and value once you own it. Victor breaks down why commercial value is a function of its income, and how rent, lease length, tenant quality, recoverable outgoings, and vacancy can each move a valuation. They run through the strategies behind improving a commercial valuation: buying dependable income and holding, restructuring leases, repositioning the tenant mix, upgrading the building, and subdividing without disturbing a single tenant. They then analyse why not every value-add plan can be delivered. Victor explains how a lease can block an upgrade or a change of use, using his own St Kilda Road office, where a tenant has kept renewing for seven years and stopped him from adding a second lettable space. The pair also look at owner-occupier and SMSF strategies, including how renting a property back to your own fund can affect its value, and why the rent needs to stay at market value. Finally, they look at how to build a portfolio around it all: one big asset or several smaller ones, spreading risk across tenants, industries and locations, and balancing commercial with residential and income with growth.
THE PROPERTY NERDS: Rate rise wipes $50k off borrowing power: How investors are fighting back
As higher interest rates squeeze borrowing power, non-major lenders are becoming more competitive than ever. Arjun Paliwal and Jack Fouracre explain why lending policies matter more than rates and the …
Notes de l’épisode
As higher interest rates squeeze borrowing power, non-major lenders are becoming more competitive than ever. Arjun Paliwal and Jack Fouracre explain why lending policies matter more than rates and the strategies investors can use to stay ahead.
On this episode of The Property Nerds podcast, InvestorKit's Arjun Paliwal and Fouracre Financial's Jack Fouracre unpack what the latest rate rise means for investors: from repayments to borrowing capacity, and why the action is shifting to third-tier and non-bank lenders.
Fouracre says that while borrowing power has reduced by 2 to 3 per cent, falling investor lending has sparked a price war among non-major banks. The pair explain why the right policy, such as longer loan terms and extended interest-only periods, can unlock more lending than a sharper rate.
They also examine whether pre-approvals can protect investors against further rate rises, with some lenders offering six-month approvals and locking in assessment rates even if interest rates increase. Finally, Paliwal reveals why the coming months could present a buying opportunity for investors, as softer property prices lift rental yields, fewer buyers attend open homes, and increased listings give purchasers greater negotiating power.
HOW I MET MY BROKER: Can investors still get rich from construction? A builder and broker crunch the numbers
Buying existing property might be the easier path right now, but Billy Jury from Jury Homes says there's still upside in construction "with the right fundamentals". Jury and host Hung Chuy test the numbers on …
Notes de l’épisode
Buying existing property might be the easier path right now, but Billy Jury from Jury Homes says there's still upside in construction "with the right fundamentals". Jury and host Hung Chuy test the numbers on house-and-granny-flat builds, explain why so many duplexes no longer stack up, and share the hidden costs that can wipe out a margin.
On this episode of How I Met My Broker, SPI's Liam Garman and Strategic Brokers' Hung Chuy are joined by Billy Jury from Jury Homes, a Sydney builder whose work is about 90 per cent for investors, to ask whether construction can still deliver an equity uplift.
Jury explains why his clients have followed the numbers out of Sydney, to areas like Wollondilly, the Central Coast, and Newcastle. Chuy then walks through a real example, from land and build costs to resale and rental figures, and shows how investors can generate positive cash flow.
The pair then take on granny flats, including what an entry-level build costs and why a $200,000 granny flat doesn't add $200,000 in value, before examining the finance behind duplexes. They explain why many no longer stack up, from holding costs and approval delays to unforeseen consequences.
From there, they unpack the practical side: DA versus CDC, realistic build times, why fixed-price contracts matter for finance, and why you should lock in variations and keep a cash buffer before breaking ground.
Which Mortgage: The refinancing rush setting investors up for their next buy
Refinancing is dominating investor lending activity as borrowers unlock equity, prepare for further price falls, and look beyond traditional lenders for their next move. On Which Mortgage, Alex Whitlock speaks …
Notes de l’épisode
Refinancing is dominating investor lending activity as borrowers unlock equity, prepare for further price falls, and look beyond traditional lenders for their next move.
On Which Mortgage, Alex Whitlock speaks with Finni Mortgages brokers Eva Loisance and Costa Arvanitopoulos about the refinancing rush, as investors unlock equity and secure pre-approvals ahead of their next property purchase.
The brokers discuss where investors are still buying, from Melbourne and Geelong to Ballarat, and the growing use of alternative lending options.
They also name three lenders attracting attention, including one offering SMSF refinancing at a lower rate and another assessing self-employed borrowers using recent business activity statements instead of tax returns.
The trio also examine a construction business owner's case, where a $2.6 million property valuation helped unlock an extra $500,000 for renovations through a low-doc loan, despite the borrower having no recent tax returns.
Property Buzz: Is Australia heading for a French-style debt crisis?
France is already paying billions to service its debt. Australia could be heading down the same path, with only a narrow window to turn things around. On Property Buzz, Phil Tarrant and Liam Garman compare …
Notes de l’épisode
France is already paying billions to service its debt. Australia could be heading down the same path, with only a narrow window to turn things around.
On Property Buzz, Phil Tarrant and Liam Garman compare Australia's fiscal position with France's, examining rising debt costs, bond yields, tax settings, and public sector growth.
Garman warns Australia could be only a few years behind as government spending and debt servicing put increasing pressure on the economy.
The pair revisit France's failed wealth tax experiment and Greece's experience with spending cuts, before examining Australia's own warning signs, including weaker employment, falling stamp duty revenue, and fewer capital gains to tax.
They also compare personal, company, and capital gains tax settings, and debate whether further property tax changes could push investors out of the market.
Tarrant is sharply critical of the federal government and the ATO, predicting a royal commission and further political battles over property taxes before the next election.
The discussion also covers the impact of the SMSF residential property ban on development, rising construction costs, and the risks facing first home buyers caught in falling apartment markets.
To get in involved, leave questions for Phil and Liam, or simply share videos or memes - join the Whatsapp group here.
PROPERTY INVESTING INSIGHTS WITH RIGHT PROPERTY GROUP: Blue chip, bargain, or money pit? What makes a good investment today
Bargain prices can mask costly problems, while a premium price tag does not guarantee a quality investment. From hidden defects to lending risks, here is what investors need to assess before buying. On Property …
Notes de l’épisode
Bargain prices can mask costly problems, while a premium price tag does not guarantee a quality investment. From hidden defects to lending risks, here is what investors need to assess before buying.
On Property Investing Insights, Phil Tarrant and Right Property Group director Victor Kumar discuss what separates a quality investment from a costly mistake as prices soften, lending conditions shift, and compliance obligations grow.
Kumar warns that heavily discounted properties often come with problems that cannot be fixed, while newer or more expensive assets are not automatically better investments.
He sets out four tests every property should pass: rentability, liveability, lendability, and sellability, with the pair examining everything from flammable cladding and Victorian rental requirements to strata costs, structural defects, and location risks.
The discussion also tackles the risks of renovating while prices are falling, whether waiting for further discounts could leave investors with less borrowing power, and why town houses, villas, and units deserve a place alongside houses.
SPECIAL SERIES: Financing commercial property – debt, leverage, and valuation
Short loan terms, annual reviews, and lenders who can change their appetite mid-term. Victor Kumar says investors who treat commercial finance like residential lending can be caught out in the later years of …
Notes de l’épisode
Short loan terms, annual reviews, and lenders who can change their appetite mid-term. Victor Kumar says investors who treat commercial finance like residential lending can be caught out in the later years of ownership. Here's how to understand the financing behind your commercial deal.
Investors can get the purchase right, just to be blindsided by the loan.
In Part 4 of the Post-Budget Guide to Commercial Property Investing, Phil Tarrant sits down with Victor Kumar of Right Property Group to unpack how commercial lending really works, and where the risks hide.
Victor explains why commercial loans revolve around the lease rather than your personal serviceability, and why terms of one to five years and annual reviews can trigger a margin call on your loan-to-value ratio, even when you've simply been kind to a struggling tenant with a rent reduction. They also break down lease doc and full doc loans, how much cash you may need up front, and why a "positive cash flow" property may only tell half the story.
The pair then look at the hidden costs and traps: valuations that can come in below the advertised yield, higher valuation fees, and a due diligence story where a deal started to unravel after the strata and lease details didn't add up.
Built for Scale: Trusts are out, companies are in – experts reveal how to sidestep the post-budget structure trap
Too many investors hit their borrowing ceiling before they've built a portfolio. An accountant, broker and buyer's agent expose the structure mistakes behind it, the tax traps the federal budget has created …
Notes de l’épisode
Too many investors hit their borrowing ceiling before they've built a portfolio. An accountant, broker and buyer's agent expose the structure mistakes behind it, the tax traps the federal budget has created, and the structure tips you need before your next contract.
On this episode of Built for Scale, hosts Liam Garman and Josh Crealy are joined by accountant Jeremy Iannuzzelli of Praedium Partners and broker Bill Childs of Limitless Lending Group to unpack how the budget has reshaped the way sophisticated investors structure their portfolios, and the traps many are walking into.
Iannuzzelli explains why investors are now "forced" into companies, a structure he once avoided, and warns that a company is a long-term tool, not a quick way to cash out. He then breaks down the new capital gains tax treatment and what it means for the tax you pay on a sale.
Childs reveals the costly mistake he made himself: buying six properties in his own name and hitting his borrowing limit early. He shares when personal names are fine, when to move into entities, and why lenders are loosening policy to win back volume.
THE PROPERTY NERDS: From off-the-plan mistakes to a $7m portfolio
Their first off-the-plan apartments barely grew, but a Sydney doctor and lawyer built a $7 million portfolio by investing across regional markets and delaying their dream home. On The Property Nerds, Arjun …
Notes de l’épisode
Their first off-the-plan apartments barely grew, but a Sydney doctor and lawyer built a $7 million portfolio by investing across regional markets and delaying their dream home.
On The Property Nerds, Arjun Paliwal speaks with doctor Rex Kwan and lawyer Melissa Tsui about turning stagnant off-the-plan apartments into a multi-state portfolio worth more than $7 million, with over $2 million in equity.
After their first properties delivered little capital growth and weak rental yields, the couple changed tack in 2021, buying across South Australia, Queensland, Western Australia, and Victoria, including properties they had never inspected in person.
They explain why they put their Sydney home dream on hold, how data helped them overcome doubts about unfamiliar regional markets, and the settlement drama that nearly derailed their latest Victorian purchase.
From starting young and choosing the right team to keeping cash flow and borrowing capacity in check, the couple share the lessons behind their portfolio growth and their plans to keep expanding.
From a housing commission flat to a $40m portfolio at 29: How Ali Hallak did it
Ali Hallak grew up in a housing commission flat, worked three jobs and saved $35,000 for his first purchase just after his 19th birthday. Now he reports a portfolio of around $40 million. See his rules for …
Notes de l’épisode
Ali Hallak grew up in a housing commission flat, worked three jobs and saved $35,000 for his first purchase just after his 19th birthday. Now he reports a portfolio of around $40 million. See his rules for making money now, including the 1 per cent of house and lands that are built for growth – and how you can pick them.
On this episode of The Smart Property Investment Show, Liam Garman sits down with Ali Hallak of Buyers Club, who grew up in a Riverwood housing commission flat and who now has over 60 rentals – worth over $40 million.
Hallak tells the story behind the numbers, from nearly being expelled at school to working three jobs, buying his first property at 19 and, two years ago, a home for his mother, a goal he first wrote down at 16.
Then he takes on one of the market's biggest debates: whether house and land is a product to avoid. He argues it shouldn't be written off if it's tested like established property and walks through examples where land plus a build came in below comparable homes.
Hallak shares his checklist for vetting a build, including how to spot misleading comparables, why he rings local property managers to learn how a builder handles defects, and the one design detail that makes him walk away.
Finally, he explains where Buyers Club is looking now, why he thinks investors should stop waiting for the bottom of the market, and why he believes recent government changes have helped first-time investors more than first home buyers.
If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
Which Mortgage: How 1 Perth investor unlocked $1.2m without selling a property: The secret – an expert broker
A 58-year-old investor with a $1.8 million home and five investment properties wanted lower repayments and as much cash as possible to invest again. His broker says the answer is doing it in three steps and …
Notes de l’épisode
A 58-year-old investor with a $1.8 million home and five investment properties wanted lower repayments and as much cash as possible to invest again. His broker says the answer is doing it in three steps and looking at the whole portfolio rather than one loan at a time.
On this episode of Which Mortgage, Finni brokers Eva Loisance and Costa Arvanitopoulos are joined by Phil Tarrant, standing in as co-host, to unpack a real client scenario. "Bob" wanted lower repayments, more cash to invest and a debt-recycled home loan. Arvanitopoulos explains the three-step restructure that made it work, and why looking at the whole portfolio, not one loan at a time, was the key.
The trio dig into debt recycling: how paying off a home loan and borrowing against it for investing turns non-deductible debt into deductible debt, and why using offset cash to buy an investment property is a common mistake. Bob ended up with around $1.2 million ready to deploy.
They also unpack why many banks push cross-collateralisation, and how uncrossing properties can open up more options.
Then it's lenders of the week, including a sharp SMSF refinance rate and a bridging policy with no interest payments during the bridging period. Plus, what banks don't want you to know about lower servicing buffers.
Property Buzz: 20k Perth homes are underwater, economist says some pockets could fall 40%
Prestige vendors are being asked to accept millions less, forecasters are revising their predictions down, and the RBA is hinting that inflation is worse than expected ... but will rising yields be a silver …
Notes de l’épisode
Prestige vendors are being asked to accept millions less, forecasters are revising their predictions down, and the RBA is hinting that inflation is worse than expected ... but will rising yields be a silver lining? Phil Tarrant and Liam Garman unpack what it could mean for investors, first home buyers and anyone with a mortgage.
On this episode of Property Buzz, Phil Tarrant and Liam Garman look at a market where negative equity is spreading. They discuss a report that 20,000 Perth homes are now worth less than their owners paid and a Harbourside Sydney listing where the guide has reportedly slipped from a $28 million offer to $20 million-plus.
The pair then weigh up the forecasts, including JPMorgan's revised outlook and Coolabah Capital's warning that some pockets could fall by as much as 40 per cent. Garman explains why he doesn't agree with every call, and why falling prices could open up higher yields in blue-chip suburbs for long-term investors. Both urge listeners to do their own due diligence and be wary of spruikers.
Tarrant also challenges a report that investors are shifting to new builds, while the hosts discuss what proposed changes to trusts could mean for tradies and builders, and how rising interest costs and the pullback of SMSFs are adding pressure to developers.
Then it's on to rates and politics: hints of a Melbourne Cup rate rise, what is feeding inflation beyond the war in Iran, and One Nation's pledge to restore the capital gains tax discount for up to two investment properties. Garman argues investors should factor in every political outcome, with the hosts floating a tongue-in-cheek policy of one negatively geared property per child.
To get in involved, leave questions for Phil and Liam, or simply share videos or memes - join the Whatsapp group here.
He's avoiding commercial and the smaller capitals – why 1 investor is going all in on units for the yield
Josh Crealy used to sell commercial property for a living. Now he says most investors are pivoting from residential too early, and he's put his money into Melbourne and western Sydney units instead. On this …
Notes de l’épisode
Josh Crealy used to sell commercial property for a living. Now he says most investors are pivoting from residential too early, and he's put his money into Melbourne and western Sydney units instead.
On this episode of The Smart Property Investment Show, Liam Garman sits down with LEVR's Josh Crealy, a former commercial sales agent who has bought 15 Melbourne properties in the past 18 months, to ask where he'd put his money now and why.
Crealy says the 18.6-year land cycle points to Melbourne and Sydney leading the next recovery, with the smaller capitals having already had their run. He treats the cycle as a framework only, and explains why it must be overlaid with supply, demand and affordability.
Then he explains why he's wary of commercial property. From a Perth hair salon with a tenant who isn't paying to an off-the-plan warehouse with a rent-back guarantee that left its owner unable to sell for what they paid, Crealy shares the cautionary tales he's seen. He also outlines what to check in a lease, and why he believes better commercial buying opportunities could be 12 to 24 months away.
The pair also compare individual units with unit blocks, including how lenders classify larger blocks as commercial loans, what that means for loan-to-value ratios and borrowing power, and the checks Crealy runs before buying.
If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
SPECIAL SERIES: Where commercial property goes wrong – understanding and managing risk
A long lease isn't always a safe one, and a headline yield can hide months of vacancy. Victor Kumar says the investors who win in commercial are the ones who know exactly how to manage risk before they buy …
Notes de l’épisode
A long lease isn't always a safe one, and a headline yield can hide months of vacancy. Victor Kumar says the investors who win in commercial are the ones who know exactly how to manage risk before they buy.
Commercial property carries more risk than residential, but not all of it is unavoidable. In part three of the Smart Property Investment Post-Budget Guide to Commercial Property Investing, Phil Tarrant and Victor Kumar of Right Property Group break down what can quietly destroy a commercial investment, and how to protect yourself.
Kumar explains why vacancy can run to months or even years rather than weeks, and why the yield is really the price you're paid for carrying risk. They also look at how to size up a tenant, from digging into the lease and the business behind it to checking whether a guarantee is backed by real cash or just a promise.
Then there's the fine print. The pair walk through the lease details that can make or break a deal, from "triple net" claims that don't hold up to who pays for fit-outs and make-good clauses, and why Kumar says using your usual residential solicitor on a commercial lease is like treating a fracture with a massage.
They also cover economic risk, structural shifts and property-specific traps, including asbestos roofs, contamination and zoning problems. Kumar shares a live example of how he restructured a lease to de-risk a $6 million purchase, and why every investment needs an exit plan.
PROPERTY UNFILTERED: Million-dollar results, rat houses, meth houses and now a 'brothel'? | Part 2
From rat houses and meth houses to a property nicknamed "The Brothel", we've seen some seriously questionable properties turn into incredible investments. We have so many wild stories and bargain deals to share …
Notes de l’épisode
From rat houses and meth houses to a property nicknamed "The Brothel", we've seen some seriously questionable properties turn into incredible investments. We have so many wild stories and bargain deals to share that one episode just wasn't enough. Part 2 is out now! A trashed house bought for $550,000, now worth $950,000 – 72 per cent growth in just over two years. A desperate vendor slashing $100,000 off a deal after a buyer's finance fell through. Fully renovated properties snapped up at massive discounts in a slowing market.
We're back with Hung Chuy from Strategic Brokers to share how we uncover bargains when others are sitting on the sidelines and why buying below market value can give investors a valuable buffer during a downturn.
The deals get bigger. The stories get better.
THE PROPERTY NERDS: Can your broker do this?
Investors could be missing new lending opportunities as second- and third-tier lenders ramp up competition, making finance strategy and cash flow more important than ever. On The Property Nerds podcast, Arjun …
Notes de l’épisode
Investors could be missing new lending opportunities as second- and third-tier lenders ramp up competition, making finance strategy and cash flow more important than ever.
On The Property Nerds podcast, Arjun Paliwal speaks with broker Corey Goldby about a post-budget lending shake-up, as second- and third-tier lenders compete harder for investors with more flexible borrowing options.
Goldby argues against mapping out a decade of purchases, instead focusing on getting the next deal right, with cash flow, lending policy and available funds shaping each move.
The pair discuss investors buying several properties before pausing, selling at a loss to reduce debt and the transaction costs that can erode gains when selling and re-entering the market.
They also examine the importance of keeping a cash buffer when releasing equity, aligning finance and accounting advice, and choosing ownership structures that support borrowing and income distribution.
For business owners facing tax debt, Goldby points to alternative lending options, including high-LVR and low-documentation loans, while noting the extra interest costs that can come with them.
The tax changes haven't hurt them – why 2 former nurses say yield and land are paying off
Negative gearing was never part of the plan for Iconic Investing's Aneesh Thomas and John George. They buy for cash flow, land and below-valuation prices, and say price corrections are now opening up even more …
Notes de l’épisode
Negative gearing was never part of the plan for Iconic Investing's Aneesh Thomas and John George. They buy for cash flow, land and below-valuation prices, and say price corrections are now opening up even more opportunities. On this episode of The Smart Property Investment Show, host Liam Garman speaks with Aneesh Thomas and John George of Iconic Investing, two Brisbane nurses-turned-buyer's agents, to ask: if your strategy never depended on tax breaks, what is there to fear from tax changes?
So, how have they stayed the course through the federal budget and shifting interest rate expectations? They target affordable markets between $400,000 and $600,000, tight rental conditions, land of more than 600 square metres and yields of at least 4 per cent.
They also reveal what they avoid, from house-and-land packages to markets that have already run hard, and share the mistakes they see most often: emotion tops the list, followed by chasing tax outcomes, "backyard" investing and hotspotting. Thomas tells the story of a friend who bought a $1 million Brisbane property renting for $700 a week and is now working overtime to cover the repayments.
Along the way, the pair discuss where they still see value in regional Victoria and NSW, why high rates can mean less competition, and why they believe the best time to buy is whenever you're ready. George also opens up about the commercial property lessons he learned the hard way, including an office that sat vacant for 10 months, and why he says it isn't for everyone. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
Which Mortgage: How one 25-year-old is buying an investment property with $0 down: A broker's secret to investing.
Brokers know things banks would rather keep quiet. In the debut episode of Which Mortgage, the Finni team starts with one of them: how a 25-year-old on a $100,000 income can buy an investment property without …
Notes de l’épisode
Brokers know things banks would rather keep quiet. In the debut episode of Which Mortgage, the Finni team starts with one of them: how a 25-year-old on a $100,000 income can buy an investment property without saving a deposit. This isn't another investment property podcast. In the very first episode of Which Mortgage, host Alex Whitlock is joined by Eva Loisance and Costa Arvanitopoulos from Finni to pull back the curtain on the finance tactics brokers know and lenders would rather keep quiet. The trio dive into a real client scenario: a 25-year-old on a $100,000 income with just $20,000 saved, priced out of the market and looking at a Melbourne investment unit. The solution was a family pledge, using her parents' property as security, which can cover up to 105 per cent of the purchase price, costs included, without the parents handing over a cent in cash. But there was a twist: a desktop valuation on the parents' home came back about a million dollars short of a full valuation. Loisance explains why accepting a bank's first number can be a costly mistake. They also unpack how the buffer rates of the Australian Prudential Regulation Authority (APRA) affect borrowing power and share their lenders of the week, including a non-bank offering 40-year loan terms, a newcomer with no lenders mortgage insurance (LMI) up to 85 per cent, and a major bank that gets sharper on pricing at $2 million. Plus, each week, the question every borrower should ask: What don't lenders want you to know?
Property Buzz: NSW is $200m short on stamp duty, hosts clash over brokers
NSW collected 23 per cent less residential stamp duty in September than a year earlier, and Phil Tarrant and Liam Garman say it's only the start. But when the conversation turns to mortgage brokers, the hosts …
Notes de l’épisode
NSW collected 23 per cent less residential stamp duty in September than a year earlier, and Phil Tarrant and Liam Garman say it's only the start. But when the conversation turns to mortgage brokers, the hosts stop agreeing.
On this live episode of Property Buzz, Phil Tarrant and Liam Garman dig into the numbers behind a sharp fall in NSW residential stamp duty: $663.7 million collected in September, down from $864.3 million a year earlier. Extrapolated across the country, they put the potential loss at $7.36 billion, a figure that sits inside the $6 billion to $8 billion range they've been predicting for months.
The pair also unpack the NSW Labor pledge to let investors restructure trusts hit by the new discretionary trust tax without triggering stamp duty, and Victoria's promise to return its property tax threshold to $50,000.
Then there's the data. Brisbane listings are up 40 per cent on last year with a clearance rate of just 20 per cent, unemployment has ticked up to 4.7 per cent, and part-time jobs have dropped by 74,000. Tarrant shares what buyer's agents and brokers are telling him on the street, from tactical finance to banks loosening up, and explains why he says now is the time to have a good broker in your corner.
And then it gets heated. Tarrant takes aim at a looming levy hike on brokers while Garman plays devil's advocate – arguing consumer protection is a fair reason for scrutiny. Who wins the argument? You'll have to listen.
The $2.5k monthly property holding cost that could fall to $600
Investors waiting for the market to turn could miss a buying window, as cash flow, rental yields, and changing financial conditions reshape the cost of holding an investment property. On The Smart Property …
Notes de l’épisode
Investors waiting for the market to turn could miss a buying window, as cash flow, rental yields, and changing financial conditions reshape the cost of holding an investment property.
On The Smart Property Investment Show, Liam Garman speaks with Arjun Paliwal of InvestorKit about the cash flow pressures holding investors back and the financial shifts that could make negatively geared properties more manageable.
Using a $700,000 property as an example, Paliwal estimates an initial shortfall of $2,400 to $2,800 a month, but says lower interest rates, rent increases, a cash deposit, and potential tax changes could reduce the outlay to about $600 a month, ultimately saving more than $30,000 a year.
The pair also examine the psychology keeping buyers on the sidelines, the impact of lower purchase prices on rental yields, and the importance of assessing buffers, borrowing capacity, and diversification before committing to an investment.
With listings tightening and many buyers waiting for a clear market signal, Paliwal discusses how seasonal patterns, political changes, and shifting sentiment could shape the next buying window. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email [email protected] for more insights, or hear your voice on the show by recording a question below.
SPECIAL SERIES: Property tactics that no longer stack up: What investors need to ditch
From warehouses to medical centres and service stations, not every commercial asset is as safe as it looks. Victor Kumar says three simple tests can separate a smart buy from a costly mistake. A long lease …
Notes de l’épisode
From warehouses to medical centres and service stations, not every commercial asset is as safe as it looks. Victor Kumar says three simple tests can separate a smart buy from a costly mistake.
A long lease looks like security, but when the tenant walks out, you may be struggling to find a replacement.
In Part 2 of the Post-Budget Guide to Commercial Property Investing, Phil Tarrant sits down with Victor Kumar, founder and director of Right Property Group, to unpack the hidden risks in "safe" commercial assets, and how to compare very different commercial asset classes.
Victor says every asset should pass three tests: how easily it can be re-leased if the tenant leaves, whether the building will still do its job in 15 years, and who pays when major repairs hit. He explains why industrial assets such as warehouses tend to score well on the first test, while specialised assets like childcare centres and fast-food sites can take longer to re-let.
From there, the pair break down office, industrial and retail, including why the rent on paper isn't always the same as rent in practice and rate re-leasability risk across sectors, from storage to service stations and childcare.
Finally, Victor outlines the sectors he believes face structural pressure post-budget, including CBD offices, childcare and NDIS-related buildings, and why he says residential is "all about sentiment" while commercial is "all about mathematics".
THE PROPERTY NERDS: 95% LVR v 85% LVR: Which one is better?
Lenders are counting more rental income and expanding high-LVR options, potentially giving investors more buying power just as spring activity picks up. On The Property Nerds podcast, Arjun Paliwal and Jack …
Notes de l’épisode
Lenders are counting more rental income and expanding high-LVR options, potentially giving investors more buying power just as spring activity picks up.
On The Property Nerds podcast, Arjun Paliwal and Jack Fouracre discuss lending changes that could improve investor borrowing capacity and create new opportunities in the spring market.
Fouracre explains how some lenders are reducing rental income shading and expanding access to 95 per cent loan-to-value ratios, while Paliwal outlines how the changes could help investors stretch their capital across more purchases.
The pair also examine how borrowing power has recovered from post-budget restrictions, alongside options for refinancing and potentially recovering part of lenders mortgage insurance costs as equity builds.
With investor enquiries rising in September, Paliwal and Fouracre discuss the role of seasonality, market sentiment, and cash buffers in buying decisions, while weighing the possibility of further rate cuts against the risks of taking on too much debt.
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