Bothsides Podcast
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- 2. Nov. 2026
Über den Podcast
Building wealth is one thing. Being fulfilled is another. Let's build both sides. Business, wealth, health, and the inner work underneath. Hosted by Dan Beardall, founder of Bothsides. He sits down with the top 1% and asks both questions: how did you actually do it, and was it worth it? New episodes every week. Everything at bothsides.au
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Australia Is Heading For Its Biggest Price Drop In 40 Years - No BS Property Show #5
Australia just banned SMSFs from borrowing to buy residential property, and Dan says the government admitted it had done no financial modelling on what that would do to housing supply.In episode 5 of the No BS …
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Australia just banned SMSFs from borrowing to buy residential property, and Dan says the government admitted it had done no financial modelling on what that would do to housing supply.
In episode 5 of the No BS Property Show, buyer's agents Daniel Beardall and Josh Yun get fired up about a government making decisions nobody voted for, while families feel the squeeze and a single day in August set a record for business insolvencies. Then they show why, for the people who know how to play it, this market is creating some of the best deals they've ever seen.
In this episode, they explain:
→ Why Josh says "the government are our employees", and why Dan calls it "the furthest thing from a democracy"
→ The SMSF lending ban, and why 30 to 40% of some of the country's biggest developers' pre-sales were SMSF buyers
→ Why Australia is likely heading for two years of negative growth in a row, a first in 40 years
→ The Albanese HECS skit Josh calls "so tone deaf" while families are struggling
→ How they're making more money this year in a falling market than they did in a rising one
→ The two deals this year with $770K and $800K+ of instant equity on purchase
→ The formula they use to succeed in any market, whether it's going up, down or sideways
If you're angry about where the market is heading, this is the episode that turns it into a plan.
The government keeps changing the rules. The four points Dan and Josh use to pick a property that makes money without relying on the market don't change.
Dan walks through them in this episode, and the free guide has all four with real deals scored against them: https://go.bothsides.au/score
Follow Josh:
◼️ Instagram - https://www.instagram.com/thejoshyun/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Property Expert WARNS: Australian House Prices Already Down 10-15% In Some Areas #158
Tom Panos is telling his own daughters they have three to nine months to buy a home. Here's why.Prices in the areas he's buying in have already dropped 10 to 15%, interest rates are back to GFC levels, and he …
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Tom Panos is telling his own daughters they have three to nine months to buy a home. Here's why.
Prices in the areas he's buying in have already dropped 10 to 15%, interest rates are back to GFC levels, and he says it's going to get uglier before it gets better. He's buying anyway.
Tom Panos is one of Australia's most recognised real estate coaches. He spent 21 years at News Corp, founded the Real Estate Gym, coaches some of the country's top agents, and has spent 21 years fighting cancer.
In this episode, he explains:
▪ Why he's telling first home buyers "don't waste this crisis", and the three to nine month window he sees
▪ Why prices in the areas he's buying in have already dropped 10 to 15%
▪ Why, for the first time, cheaper prices don't mean homes are more affordable
▪ How today's interest rates compare to the GFC, on far higher house prices
▪ Why first home buyers are down 21% year on year, even with the 5% deposit scheme
▪ Why "it's going to get uglier before it gets better, but it's going to get better"
▪ What he told the country's top 100 agents to do while sales volumes fall
Tom's advice is not to wait for things to get better.
If you're buying in this market, the free guide shows the four points Dan uses to pick a property that makes money without relying on the market: https://go.bothsides.au/score
Follow Tom:
◼️ Instagram - https://www.instagram.com/tom_panos/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How To Grow Your Business When The Market Stops Helping You
In this episode I decided to share everything I learned in September from spending time with some of the best operators in the country. The market has slowed, and with it referrals, organic leads and cash flow …
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In this episode I decided to share everything I learned in September from spending time with some of the best operators in the country. The market has slowed, and with it referrals, organic leads and cash flow. So I wanted to show you how to take back control instead of waiting for things to turn.
I break down the full one-to-many sales funnel I watched Graeme run at his real estate masterclass, in front of nearly 1,000 people: ads, a free webinar, a paid masterclass, then becoming a client. I also cover why he keeps investing in clients long after they’ve paid him.
Then I get into the biggest productivity unlock I’ve found, which is learning to use AI agents like Claude Code yourself. I used one to build my entire ad funnel, a 37-email nurture sequence, two websites and a live business dashboard, with no tech background.
I finish with what the experts are saying about the property market: the SMSF lending changes, the undersupply, and where people are moving.
If your business has slowed down, this one’s for you.
164 Aussie Families Just Wiped Out 3,903 Years Of Mortgage Repayments - Graeme Holm #157
Want what those 164 families got? Graeme teaches the exact method in a free webinar: https://www.bothsides.au/moneymentor164 families just paid their mortgages to zero. Between them: $52.93 million in principal …
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Want what those 164 families got? Graeme teaches the exact method in a free webinar: https://www.bothsides.au/moneymentor
164 families just paid their mortgages to zero. Between them: $52.93 million in principal gone, $54,778,910.18 in interest the banks will never collect, and 3,903 years of repayments wiped out.
Then Graeme Holm gave away $40,000 of his own money, live on the show, to eight Bothsides listeners, and told us this is his last episode.
Graeme is the founder of Infinity Group, Australia's biggest privately owned brokerage. Across this series he's broken down how families pay off a 30-year mortgage in under 10. This time he opens up the business behind it: why he spends $6,000 on a client who paid him $5,000, why clients keep paying him thousands a year after their mortgage hits zero and he earns no trail commission, why he turns away around 200 of the 830 people who apply every month, and why some of them have his logo tattooed on them.
Then we called eight listeners who entered the competition. Their numbers are in the calls: $110,000 off a mortgage in 18 months. $40,000 in six months.
One listener three and a half years ahead of schedule. One family who paid off more in two months than they had in the previous ten years. That's $40,000 given away in this episode, and more than $200,000 across the series.
How to Buy Off-Market Properties: Where to Find Them and How to Negotiate - No BS Property Show #4
Most homes that match what you're looking for will never show up on realestate.com.In this episode, Daniel Beardall and Josh Yun (the Off-Market King) break down exactly how a property deal gets done, from …
Shownotes
Most homes that match what you're looking for will never show up on realestate.com.
In this episode, Daniel Beardall and Josh Yun (the Off-Market King) break down exactly how a property deal gets done, from getting your finance sorted to finding off-market homes and negotiating the price down.
In this episode you'll learn:
→ The 5 steps every property deal goes through
→ The 6 ways to search for property (and why the portals are only one of them)
→ How to get access to off-market properties through agents and property managers
→ Why you should start in the "sold" section, not the "for sale" section
→ How to value a property before you make an offer
→ How to use seller motivation and settlement terms to pay less
→ The negotiation tactic that took $250,000 off a Sydney home
Most buyers fight over the same few listings everyone else can see, at the price the seller sets. The ones who pay less find the homes nobody else knows about, and it comes down to five steps...
Get the free guide: https://go.bothsides.au/score
Follow Josh:◼️ Instagram - https://www.instagram.com/thejoshyun/
Bothsides:◼️ The weekly email - https://bothsides.au◼️ Dan - https://www.instagram.com/daniel_beardall/◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How to Build a 9-Figure Business In Australia: The 9-Pillar System Behind $450M In Client Sales - Vaughn Royer #156
Vaughn Royer quit a $150,000-a-year job to knock on doors, and at 21 sold his house to keep the business alive. Today he's turned client outcomes into $450 million in client sales, running ad accounts that …
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Vaughn Royer quit a $150,000-a-year job to knock on doors, and at 21 sold his house to keep the business alive. Today he's turned client outcomes into $450 million in client sales, running ad accounts that spend up to $100,000 a day.
He didn't get there by building a personal brand. Vaughn says he's scaled businesses to nine figures with no name, no brand and zero content, and that most of the marketing industry is obsessed with the wrong number - leads, when the only thing that pays the bills is sales.
He learned direct response under John Gian, the man he calls the best direct response marketer in Australia, and now runs the ads behind some of the country's biggest names in property, finance and education - built on paid acquisition systems rather than audience building.
In this episode, he explains:
▪ How he turns $1,000 of ad spend into $3,000 - and the 30/30/30 rule that makes the numbers work
▪ Why "we need more creative" is almost never the real problem, and what actually is
▪ How to cut your time from first click to closed sale from six months down to six days
▪ The four-line formula behind every ad he writes - and why the message beats the visual every time
▪ The real reason he refuses to show anyone his best performing ad
▪ What it cost him to get here - and what he'd tell his own kids about money that most parents get wrong
Vaughn builds funnels that keep working while you sleep. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Vaughn:
◼️ Instagram - https://www.instagram.com/vaughnroyer/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How to Actually Use AI In Your Business in 2026 - Luke Heka (Full Breakdown) #155
Every kit Luke built for this episode is free. Nine of them, ready to copy straight into Claude Code or Code X. The Operating System kit alone gives you a personalised CLAUDE.md rulebook, five playbooks for …
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Every kit Luke built for this episode is free. Nine of them, ready to copy straight into Claude Code or Code X.
The Operating System kit alone gives you a personalised CLAUDE.md rulebook, five playbooks for planning and delegation, and a starter memory that carries across sessions. There's a website builder, connection kits for the software you already run, and six more.
Grab the lot here: https://drops.selrai.com.au/bothsidesIs
Is everything you've been told about AI in business wrong?
Most owners are paying for AI agents that do nothing, while the tool that actually works sits unopened on their laptop.
Luke Heka is the founder of Selr AI, a Gold Coast development team that's been putting AI systems inside Australian businesses since 2021.
From one-man operations to companies with hundreds of staff. He's not a content creator and he's not a consultant. He builds the systems and installs them, and in this episode he gives away the setup he normally charges for.
In this episode, he explains:
▪ Why the people selling you AI agents are running something far simpler underneath
▪ How to turn YouTube into a brain that thinks like any expert you name
▪ What Claude Code actually costs to run - and the $8,000 nobody mentions
▪ How one trade business went from three-day quotes to forty minutes
▪ The single process in your company worth automating first
▪ The one thing he refuses to let AI anywhere near
Follow this episode's guest:
Luke HekaConnect with Luke:LinkedIn - Luke Heka
Selr AI:Website - selrai.com.auInstagram - @selr__aiLinkedIn - Selr AIFacebook - Selr AI
Get every AI shortcut Luke shared:
drops.selrai.com.au/bothsidesThis episode was filmed at Selr Studio:Instagram - @selr.studio
Bothsides:Website - www.bothsides.auFollow the show - @bothsides_podcast
Follow Dan:
@daniel_beardallBothsides Buyers Agency:Instagram - @bothsidesbuyersagencyWebsite - bothsidesbuyersagency.com.au
Listen & subscribe:YouTube - @bothsidespodcastSpotify - Listen hereApple Podcasts - Listen here
How to Actually Get Rich In Your 20-30s - Josh Morrissey #154
Josh Morrissey re-entered Real Estate after a decade in the trades. By 37, he’d built a property portfolio worth tens of millions, to a multimillion-dollar debt-free position.He didn’t get there by holding and …
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Josh Morrissey re-entered Real Estate after a decade in the trades. By 37, he’d built a property portfolio worth tens of millions, to a multimillion-dollar debt-free position.
He didn’t get there by holding and hoping. Josh says most people calling themselves “passive investors” are just being lazy, and that the equity sitting in your portfolio right now means if you can really use it.
He’s the co-founder of @hiveproperty.co in Canberra, one of the territory’s leading real estate businesses built on activity. He currently holds the three highest sale prices in the ACT for 2026!!
In this episode, he explains:
▪️ Using Dan as a live example, Josh maps out how to turn a $150,000 cash position into $1.4 million in two years.
▪️ Why he calls passive investing “lazy” and what he does instead.
▪️ How subdividing one property can pull out 100% profit with nothing but a DA approval, no build required.
▪️ Why holding a “neutral” cash-flow property could quietly be costing you more than it’s worth.
▪️ The real reason he doesn’t want the bank and the government as his business partners.
▪️ What building his wealth actually cost him and the hardest lessons business should learn from.
00:00:00 Intro
00:04:00 What the End of a 10-Year Plan Actually Looks Like
00:09:19 Why He Wants to Be the Circuit Breaker in His Family
00:11:17 Why Everything He Owns Sits in One Suburb
00:12:38 Why He Left the Trades for Real Estate
00:17:37 Why Money Isn't Real but Time Is
00:19:30 Reposition Yourself to 10x Your Income
00:20:20 How He Made a Year's Income in a Single Day
00:24:00 The Full Structure: Assets, Cash, Business and Buildings
00:26:17 Why He Refuses to Let the Bank Near His Portfolio
00:32:55 Why Cash Beats Equity Every Time
00:35:02 Five Deals at $200,000 a Pop. There's Your Million.
00:36:36 The People Who Buy and Never Actually Settle
00:38:51 Why He Calls Passive Investing Lazy
00:40:12 Ads
00:42:31 How to Manufacture Your Own Timelines
00:44:03 Why Commercial Property Is the Final Boss
00:47:42 The Top Three Sales in the ACT and Why He Builds Where He Sells
00:54:42 How to Do It From Scratch, Step by Step
00:59:41 How to Turn $150,000 Into $1.4 Million in Two Years
01:03:29 Why He Won't Hold a Neutral Cash Flow Property
01:07:42 Why He'll Never Build a High-Rise
01:10:05 Why He Grew From 30 to 45 Staff
01:19:45 Slow Is Smooth and Smooth Is Fast
01:24:58 Why Your Family Gets the Scraps
01:30:24 The Lesson He Wants His Kids to Learn
01:31:58 Why the 1 Percenters Decide Everything
01:40:32 What the Next 5 to 10 Years Look Like
01:44:16 Rapid Fire: Wealth, Regret and the Hardest Lesson
01:52:04 The One Thing to Take Away
Josh Morrissey manufactures his own upside instead of waiting for the market. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Josh:
◼️ Hive Property - https://www.instagram.com/hiveproperty.co/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How to Build Wealth In Australia While Prices Keep Falling - No BS Property Show #3
Is the property market actually crashing, or is everyone about to miss the best buying window in years?While headlines scream about falling prices and a broken market, two of Australia's top buyer's agents …
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Is the property market actually crashing, or is everyone about to miss the best buying window in years?
While headlines scream about falling prices and a broken market, two of Australia's top buyer's agents reveal how their clients are still building 6-figure equity gains - without waiting for prices to rise.
Daniel Beardall and Josh Yun are buyer's agents specialising in off-market property deals across Australia. Known for sourcing deals other investors never see, they've helped clients secure hundreds of thousands of dollars in instant equity through negotiation, subdivision, and smart deal structuring - even in a declining market.
In this episode, they explain:
▪ How one client secured $800,000 of instant equity on a single property purchase
▪ Why a "stigmatised" property sold $700,000 under market value (and why that's a good thing)
▪ How to turn a $2 million deal into $2.5 million with nothing but a DA approval
▪ The real reason building a granny flat from scratch could cost you more than buying one
▪ Why falling prices don't matter if you know how to structure the right deal
10 Lessons From Interviewing 8 & 9-Figure Founders
Marty Fox. Jack Delosa. Graeme Holm. Jack Henderson. Marcus Chiminello. Gavin Rubinstein. Sam Gordon.Over 150 episodes with some of the best in Australian property and business, and ten lessons that changed my …
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Marty Fox. Jack Delosa. Graeme Holm. Jack Henderson. Marcus Chiminello. Gavin Rubinstein. Sam Gordon.
Over 150 episodes with some of the best in Australian property and business, and ten lessons that changed my business and how I work.
A vision only works once it is actually yours. Grow by fixing the next problem in front of you, not by chasing size. Teaching beats selling. People buy from who they know, so build the name first. Charging more, and charging it upfront, changes who you end up working with. Where you spend your time matters more than how disciplined you are. Know your numbers or you are guessing. Get better before you try to be different. The people who build things decide quickly and move. And the detail is not part of the job, it is the job.
Ten lessons, where each one came from, and how to use them.
Take one and use it this week.
Watch the full episodes
Marty Fox, EP 136 How to Build Unstoppable Momentum https://youtu.be/kAM4G3_HBvk
Jack Delosa, EP 132 The REAL Reason You’re Not Achieving Your Goals https://youtu.be/aMx445T4jAY
Graeme Holm, EP 69 The ULTIMATE Guide to Business & Financial Literacy https://youtu.be/QS8ZAnvjSbQ
Jack Henderson, EP 151 Why Australia Is Making It Harder To Get Rich https://youtu.be/_xzjGMF0HM4
Marcus Chiminello, EP 137 Inside the Mind of a Master Real Estate Agent https://youtu.be/kvbRKGbcyEo
Gavin Rubinstein, EP 133 How to be a SUCCESSFUL Real Estate Agent https://youtu.be/xDj-aK30WGY
Sam Gordon, EP 125 Sammy Gordon: 134 Properties by 35 https://youtu.be/BqnKptX_CPE
Josh Morrissey, EP 115 From $4M GCI to Financial Freedom by 37 https://youtu.be/uSK_HSj9HxQ
Emil Juresic, EP 150 “The Market Has Already Dropped 10 To 30%” https://youtu.be/rVkPEOI2C-w
Matt Pillios, EP 138 From Broke At 35 To $600M In Sales https://youtu.be/mSbQVuojnL4
Graya, EP 147 How Two Brothers Are Quietly Dominating Australian Property https://youtu.be/_bZ26j0fBJ0
Thanks for listening. Full show notes and links below.
Bothsides
Website - https://www.bothsides.au
Follow the show - @bothsides_podcast
Follow Dan
Bothsides Buyers Agency
Instagram - @bothsidesbuyersagency
Website - https://www.bothsidesbuyersagency.com.au/
Listen and Subscribe
YouTube - @bothsidespodcast https://www.youtube.com/@bothsidespodcast
Spotify - https://open.spotify.com/show/3wNWmFad9vzMqAwHfNaNzT
Apple Podcasts - https://podcasts.apple.com/au/podcast/bothsides-podcast/id1585830750
Teal: How To Master Your Mind, Know Your Worth & Become Successful - #153
Why do the most successful people seem to operate on something other than logic alone? Psychic Teal breaks down how she believes the mind can actually be rewired — through psilocybin, breath work, and stillness …
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Why do the most successful people seem to operate on something other than logic alone? Psychic Teal breaks down how she believes the mind can actually be rewired — through psilocybin, breath work, and stillness — to quiet the ego, strengthen intuition, and change the way you think and perceive life. She also explains what claircognizance actually is, why she believes self-worth is the strongest predictor of success she's seen across hundreds of readings, and how she pulled herself out of a live anxiety attack using nothing but her breath.
Teal is a psychic and intuitive healer specializing in claircognizance, energy healing, and plant medicine facilitation. A former corporate lawyer, she now hosts healing retreats and ceremonies internationally and is based in the Northern Rivers, Australia.
She explains:
◾ Why she believes self-mastery means learning to weave your logical mind and your intuition together
◾ How psilocybin can rewire the brain in real time to change deep-seated behavior
◾ How she stopped a live anxiety attack using breath work alone
◾ Why she believes self-worth is the strongest predictor of business success
◾ Why the ego is loud and hasty, while intuition is quiet and easy to missFollow this episode's guest:
Teal
tealsoulsacredbreathoflife.orgBothsides:Website - www.bothsides.au
Follow the show - @bothsides_podcast
Follow Dan:
@daniel_beardallBothsides Buyers Agency:
Instagram - @bothsidesbuyersagency
Website - bothsidesbuyersagency.com.au
Listen & subscribe:
YouTube - @bothsidespodcast
Spotify - Listen here
Apple Podcasts - Listen here
Property Masterclass: The Most Valuable 90 Minutes For Any Buyer in 2026 - No BS Property Show #2
Matt Srama's figure is that the average Australian owner occupier spends eight to nine months looking for a house, and that his own team has that down to 49 days. His argument is that the months in between are …
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Matt Srama is a former NRL player and the founder of Srama Group, a buyers agency covering the Gold Coast and Tweed Heads, built to seven figures in under three years. He bought his first investment property at 22.
What you will learn:
- Why staying out of the market costs more than buying in it, and the paralysis that keeps motivated buyers on the sidelines
- Why he pushes hardest when everyone around him has low urgency, and what high urgency does to the price you pay
- The four distances that set a Gold Coast price: barefoot walk, shoes, e-bike and car
- The one question to ask a selling agent that has nothing to do with price
- What a bridesmaid suburb is, and the ones he names around Burleigh, Southport and Mermaid Beach
Chapters
00:00 The best time to buy is when nobody else feels urgent
03:03 Reading gentrification off the commercial precincts
09:07 Barefoot, shoes, e-bike or car: four price points to the same beach
12:07 A fair price for a good property beats a good price for a fair one
15:11 The most expensive thing buyers do is stay out of the market
18:16 Price, condition and location, and where owner occupiers get stuck
22:50 Nine months of searching against 49 days
24:47 The positioning and urgency quadrant, and the buy zone
27:25 Manufacturing a deal when nobody else is bidding
31:00 A discount on a shirt excites you. A discount on a house scares you
35:21 Buying the owner occupier now, and the tax free upside
37:25 The Gold Coast sweet spot between 1.8 and 2.6 million
41:27 The question to ask an agent that has nothing to do with price
43:28 Bridesmaid suburbs, and where the ripple lands next
49:31 The due diligence people skip
53:32 There is no forever home, only the home for right now
55:35 Lazy equity, and buying in a company to keep serviceability
1:09:45 Granny flats, and value that comes from the cash flow
1:17:37 The cost of the goal you say you want
1:22:39 Off market does not mean a good deal
Matt Srama's team buys in 49 days what takes most people nine months. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
What The Army Taught Me About Winning At Life - Commando Steve #152
On The Biggest Loser there was a yellow line, and Steve Willis says the moment a contestant fell below it their fight was no longer in their hands, it went to a vote. He uses it as the whole argument: do the …
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On The Biggest Loser there was a yellow line, and Steve Willis says the moment a contestant fell below it their fight was no longer in their hands, it went to a vote. He uses it as the whole argument: do the work while the decisions are still yours to make.
Steve "Commando" Willis spent more than ten years in the Australian Army, including selection into 4 RAR when it was re-tasked as a commando unit, and nine years as a trainer on The Biggest Loser. He now runs a gym in Rouse Hill with his partner Harika.
What you will learn:
- Why recruits had their socks measured with a ruler, and what that has to do with being handed a weapon
- The one degree bearing analogy he uses instead of telling people to overhaul their lives
- His order of operations for change: awareness first, then competency, then confidence
- Why he says the 3am wake up posts are nonsense, and what preparedness actually looks like
- What he thinks stopped The Biggest Loser being made, and what the show got wrong about obesity
Chapters
00:00 The yellow line, and the day your fight stops being yours
04:01 Joining at 18, and how infantry chose him instead
08:02 Malaysia, 1996, and the selection nobody saw coming
12:02 Socks measured with a ruler, and why you have to earn the rifle
16:03 Life is indifferent. The meaning is the one you bring
24:05 Twenty two years of CrossFit, and meeting his match
32:10 Awareness, then competency, then confidence
36:10 An hour and ten minutes of burpees, and the resistance you bring yourself
44:14 Training in a park in the cold, and the trouble with comfort
48:18 Counterterrorism training, and learning to work inside disruption
55:02 Why awareness is a double edged sword
1:05:02 Coaching people whose lives had already fallen apart
1:10:03 We are for the few
1:15:03 Draw a line in the sand, then forgive yourself
1:20:03 What happens when you stop eating until midday
1:25:04 Why the show would not be made today
1:30:07 The 3am wake up posts, and the preparedness nobody films
1:37:31 Dumbbells in a four wheel drive, and a gym built in lockdown
1:54:05 Be a good person, and be careful who talks you out of things
1:59:36 At 50, learning about money for the first time
Steve Willis does the work while the outcome is still in his hands. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
It's time to share my story...
Dan Beardall was seven when he watched his father come off life support after a work accident. He explains how that became the reference point for everything after it, why he spent nineteen years carrying …
Shownotes
The first in a solo series where Dan talks through his own journey rather than a guest's, with Isobel asking the questions.
What you will learn:
- Why losing a parent at seven set a worst-case reference point that made every later setback feel like life or death
- The years of only meat and potato, the asthma, and what he now thinks the body was holding
- What the H pylori treatment did to his gut, and the nine months of chronic fatigue that followed
- Why a ten day silent meditation retreat came before any of the plant medicine work
- The five things he would tell a young man who messaged him asking how to get out of it
Chapters
00:00 Why this series exists
00:39 Losing his dad at seven, and the reference point it set
03:46 A single parent, and the friends he stopped inviting over
06:43 Why a kid without a father grew up asking everyone questions
08:53 The science of achievement against the art of fulfilment
11:03 A Tony Robbins seminar, and the man who opened the next door
13:15 Every winter has a summer, and manufacturing your own
15:25 Emotions that arrived on schedule with no trigger
19:50 Asthma, two surgeries, and what he thinks the body was storing
22:00 H pylori, the treatment that wiped the gut, and nine months of it
24:12 What actually helped, and what never fully heals
26:23 Ten days of silence before anything else
30:52 Peru, and the man who channelled his dad
33:23 Reaching the summit and finding another mountain
35:56 Why he never told this story publicly
38:27 The DMs from young men that changed his mind
40:58 Five pieces of advice for the man he used to be
45:58 Cultivating the environment, and the risks you only take with backup
48:29 Cutting your losses without quitting
Dan built Bothsides on the idea that the inner work and the material work go together. Property is the material side, and it comes down to four points.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Why Australia Is Making It Harder To Get Rich - Jack Henderson #151
Jack Henderson breaks down the unit economics of a buyers agency out loud, and explains why most of the industry is quietly struggling: a client worth 80,000 dollars over four purchases still only pays you …
Shownotes
Jack Henderson breaks down the unit economics of a buyers agency out loud, and explains why most of the industry is quietly struggling: a client worth 80,000 dollars over four purchases still only pays you 20,000 today, and it takes three years to collect the rest.
Jack Henderson is the founder of Henderson, a national buyers agency with around 120 staff across the group.
What you will learn:
- Why lifetime value does not save you if the cash arrives over three years
- How rising acquisition costs have broken the volume buyers agency model, on his own numbers
- Why he rebuilt around something hard to replicate rather than competing on price
- The real stress of finding 1.4 million to settle in two weeks
- Why people he knows are leaving for Singapore and Thailand, and the tax logic behind it
Chapters
00:00 Why he thinks the country has swung too far one way
05:52 Finding 1.4 million in a fortnight for a settlement he did not see coming
11:02 The actual day: quarter to five, gym at 5:30, in the office by 8
14:49 Buying the degrees instead of going and doing them
18:21 When the cost to book a call went from 200 dollars to 1,200
23:21 What a five percent management fee can actually afford to fix
27:24 Find the service nobody delivers, then work out the price
28:22 Second dwellings, and turning a 3.5 percent yield into 5.5
32:40 Fringe benefits tax, payroll tax, and the bill nobody adds up
36:24 Why he is staying, and what Harry Dent told him about immigration
38:26 Everyone at the engagement party is moving offshore
40:36 Guaranteeing a return without pretending to guarantee growth
43:27 The red hat, and why every offer has a shelf life
48:28 Lifetime value against cash actually collected
52:09 Why wealthy people pay for speed and exclusivity
53:29 A record month, and why the budget changes barely touched the model
1:01:29 The changing world order, and patterns that repeat
1:05:09 Eight o'clock meetings and 7:30 last calls
1:08:45 The billion dollar goal, still standing
1:12:26 What is it actually for
Jack Henderson runs a buyers agency on its unit economics. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Jack Henderson:
◼️ Instagram - https://www.instagram.com/jackhenderson_/
◼️ Henderson - https://www.instagram.com/henderson_advocacy/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Is Now The Best Time To Buy Property In Australia? - No BS Property Show #1
A house on the Central Coast sold for 15.85 million in 2023 and 8.35 million in April this year. Dan Beardall and Josh Yun use it to open an argument that this could be the cheapest property gets in their …
Shownotes
The first episode of the No BS Property Show, a series inside Bothsides on property, investing and what to do before your next move.
What you will learn:
- What removing negative gearing on established stock did to borrowing capacity, and why the 5 percent deposit buyers ended up in negative equity
- Why they argue sentiment moved this market harder than the policy itself
- The 40 year growth data they walk through, including the worst annual fall on record
- Why the capital gains rules now push people towards buying an owner occupier, even at a stretch
- Why the price guide is a guide, and how to read a listing that has sat for 200 days
Chapters
00:00 The Central Coast house that went from 15.85 million to 8.35
02:31 The 5 percent deposit scheme, and the buyers now in negative equity
05:03 Why sentiment moved the market harder than the policy did
07:34 Forty years of growth data, and the worst year on record
10:07 Sydney down 0.4 percent in a month, and why the top end falls further
12:38 Seventy percent equity nationally, and who rate rises actually hurt
14:44 Selling a million dollar investment to buy a two and a half million dollar home
17:41 Catching a falling knife: bought before sold, with a deposit at risk
20:13 Why the capital gains change now favours the owner occupier
22:43 The essential worker who cannot buy where they work
25:15 Established with upside against brand new, on real numbers
27:47 Banks want a full valuation again, and what that does to your competition
29:10 Eight open homes, fewer than eight people through all of them
31:52 A 200 day listing, a divorce, and the gap to the data
34:33 The acreage guide that fell from 2.5 million to 2 million
36:48 House and granny flat, and why that yield holds up
39:54 Company structures, and why most buyers should keep it simple
41:45 The SMSF change, and who it actually stops
45:17 The price guide is a guide
47:59 Use the leverage you have, even if it takes a guarantor
Dan and Josh Yun buy on the numbers, whatever the headlines say. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
The Market Has Already Dropped 10 To 30% And More Pain Is Coming - Emil Juresic #150
Emil Juresic sold every property he owned at the peak of the market, five months before this was recorded. He now says values have already fallen 10 to 30 percent, and he has pulled the heavy brake on his own …
Shownotes
Emil Juresic sold every property he owned at the peak of the market, five months before this was recorded. He now says values have already fallen 10 to 30 percent, and he has pulled the heavy brake on his own development pipeline.
Emil Juresic is a Gold Coast developer and the founder of NGU Group.
What you will learn:
- Why he sold the lot at the peak, and what he was seeing that made him move
- Where he thinks the falls have already happened, and what he expects next
- Why he would not buy anything brand new as a first home buyer, and would buy something he could add value to instead
- What happens to established stock when investors all shift to new
- What scaling actually costs: every dollar reinvested, and whether you can carry the pressure
- Why he moves capital between industries rather than staying loyal to one
Chapters
00:00 He sold every property he owned at the peak
06:26 In two minds about letting the last one go
11:50 Why he would not buy anything brand new as a first home buyer
17:32 Investors shifting to new stock, and what it does to established
23:34 Building a community, and the 500 gyms he has watched
29:36 The heavy brake on property development, right now
35:24 Being present while building something new
40:25 Living backwards from 95
47:17 One week from opening the first one, already thinking global
53:18 Using AI before you become the dinosaur
59:01 It took thirty years, and the people who want it in three
Emil Juresic only buys when the numbers work, not when the crowd does. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Emil Juresic:
◼️ Instagram - https://www.instagram.com/emiljuresic/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Every Australian Needs To See THIS - Graeme Holm #149
Graeme Holm counts four property corrections in Australia, and puts the largest at 5.5 percent. His argument is that trying to time your way around a dip that size, while sitting out years of double digit …
Shownotes
Graeme Holm counts four property corrections in Australia, and puts the largest at 5.5 percent. His argument is that trying to time your way around a dip that size, while sitting out years of double digit growth, is the expensive mistake almost nobody adds up.
Graeme Holm is the founder of Infinity Group and has been in lending for more than 25 years. Recorded after the federal budget changes.
What you will learn:
- The size he puts on all four Australian corrections, and why he says timing them costs more than it saves
- Why rents rising and deposits getting harder to save are the same problem for a first home buyer
- His argument that a home is capital gains tax free and an investment is not, and what that means for the order you buy in
- Why he says anyone telling you not to pay tax is broke, and how paying tax is what lets him borrow
- Why the shift from trusts to companies looks like every other government scheme cycle
Chapters
00:00 Time in the market, and why the growth is in years eight to ten
07:04 What the budget did to the investment market
14:02 Whether he is doubling down, and the Buffett comparison
20:50 Four corrections in forty years, and the largest was 5.5 percent
29:17 The two moments that matter: when you buy and when you sell
39:24 Why he sells assets every couple of years
46:22 Why some buyers agents get to ten and stop
52:59 What risk you are actually insuring against
1:00:39 Ten seconds on a whiteboard, and serving before selling
1:07:44 Timing the market against time in the market
1:14:54 Calling a listener about their budget
1:22:24 The consolation prizes
1:29:39 Closing
Graeme Holm holds through every correction because the asset pays regardless. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Graeme Holm:
◼️ Instagram - https://www.instagram.com/graeme_holm/
◼️ Infinity Group - https://www.instagram.com/infinitygroupau/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
EP | 149 Every Australian Needs To See THIS - Graeme Holm
Australia's property market just went through its biggest overnight shift in years. In this episode, Grame Holm, a leading voice in Australian property and finance, breaks down what actually happened after the …
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Australia's property market just went through its biggest overnight shift in years. In this episode, Grame Holm, a leading voice in Australian property and finance, breaks down what actually happened after the Federal Budget - how the banks moved on valuations almost instantly, why one client's property lost $250,000 in value overnight, and why he believes this is the exact moment to act, not retreat.
Graeme Holm is a mortgage broker and motivational speaker, with years of experience helping everyday Aussies navigate the property market through booms, corrections, and policy shocks. He regularly shares data-driven insights on where the Australian property market is heading next.
The views shared in this episode are personal opinions and general in nature - they do not constitute financial advice and should not be relied upon without speaking to a licensed professional about your own circumstances.
He explains:
■ Why the banks changed their valuations almost overnight after the Budget
■ How one client's property dropped from $850,000 to $600,000 in months
■ Why consumer sentiment is at rock bottom - and why that's historically the buying signal, not the warning sign
■ The 40 years of data showing Australia has never had two consecutive years of price correction
■ Why Warren Buffett's Berkshire Hathaway just made a multi-billion dollar bet on residential housing
■ The difference between what's happening to established homes vs. new builds right now
■ Why timing the exact bottom of the market has cost investors more than it's ever saved them
🎁 We've now given away $175,000 to our listeners across this podcast series - and we're not done.
Subscribe to both Bothsides and Money Mentor on Spotify or YouTube, share your favourite episode from each on your socials tagging us, and send us a screenshot - 5 people will win $5,000 each once we hit $200,000 given away.
The $1B Blueprint: How to Scale Without Chasing a Single Lead - Stephen Michaels and Jonathan Valentino #148
Stephen Michaels and Jonathan Valentino settle 1.1 billion dollars of loans a year with no marketing, no advertising and no cold outreach. Every broker in the business is on a salary, and the whole instruction …
Shownotes
Stephen Michaels and Jonathan Valentino settle 1.1 billion dollars of loans a year with no marketing, no advertising and no cold outreach. Every broker in the business is on a salary, and the whole instruction to them is one sentence: delight the customer.
Stephen Michaels and Jonathan Valentino are the founders of Catalyst, a brokerage they have run for 14 years, submitting around 150 million dollars of loans a month across 40 lenders and taking their business from about 60 referral partners.
What you will learn:
- Why every broker in their business is salaried rather than contracted, and what that does to quality control
- How a bridging loan actually works, on real numbers, and why they say 60 percent of approved bridges are never drawn
- The 26 million dollar bridge at around 7.5 percent, and the house that took nine months to sell
- The 24 month rule they use to explain why most new brokers quit just before it starts working
- Why they would tell a new broker to learn credit policy before touching social media
Chapters
00:00 The reverse mullet: party at the front, business at the back
04:21 How they got past a billion a year in settled loans
06:40 Doing every job end to end before trying to teach it
08:06 Why every broker in the business is on a salary
11:42 Taking the admin off the salesperson so they only have to close
14:50 What actually keeps good staff: the money, or the learning
17:57 The three deals you nail, and the three you only do 8 out of 10
21:15 The confidence play, and why most approved bridges go unused
24:19 Who a bridging loan is actually for
26:42 What a bridge really costs, and the rate you pay on the gap
27:54 The 26 million dollar bridge, and the mansion that would not sell
31:08 If you started again tomorrow, learn policy first
34:50 The 24 month rule, and why most brokers quit too early
38:54 The sale that opened the network, and the ones done for free
42:00 What makes a good broker, and why resilience is the job
47:16 Do not try to take on everything in your first year
50:57 Development lending, and why the banks pulled back
53:27 Private credit, and the banks now competing to come back in
55:51 The decision tree on a site the bank said no to
58:52 Making the complex simple, and why that is the whole job
Stephen Michaels and Jonathan Valentino settle $1.1 billion a year without advertising. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Two Brothers Dominating Australian Property - Rob and Andrew Gray #147
Rob and Andrew Gray had 650 people on a waitlist for a project they had not started marketing. They also say one bad project can undo ten years of good ones, which is why they are careful in a way most …
Shownotes
Rob and Andrew Gray had 650 people on a waitlist for a project they had not started marketing. They also say one bad project can undo ten years of good ones, which is why they are careful in a way most developers are not.
Graya is a Gold Coast development and construction business run by two brothers, whose father was a quantity surveyor.
What you will learn:
- How 650 registrations before any marketing tells them what to build and how big
- Why they measure success by whether their buyers resell at a profit, not by their own margin
- The one bad project problem, and how a decade of track record can come undone
- How they split the business: construction, marketing and sales against development
- Where they tell a new developer to start, and whether renovations come first
Chapters
00:00 What they have learned about success
05:50 Why holding a site while interest ticks changes everything
11:26 Splitting the roles: construction and sales against development
17:20 The option contract, and amalgamating two properties into one site
22:25 The copycats, and what they cannot replicate
27:58 A pipeline that has passed 1.5 billion
33:16 Developer licensing, and pushing liability onto developers
38:26 Sports players, musicians and politicians as buyers
44:02 Asking for feedback without taking all of it on board
Rob and Andrew Gray had 650 buyers waiting before they'd spent a dollar on marketing. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Rob and Andrew Gray:
◼️ Rob - https://www.instagram.com/rob.graya/
◼️ Andrew - https://www.instagram.com/andrew.graya/
◼️ Graya - https://www.instagram.com/graya/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How to Become a Successful Real Estate Agent - Bill Malouf #145
Bill Malouf spent 37 years building a name at one brand before moving it, and he says the worst thing an agent can do at a listing presentation is walk in with a book about their own company. His alternative …
Shownotes
Bill Malouf spent 37 years building a name at one brand before moving it, and he says the worst thing an agent can do at a listing presentation is walk in with a book about their own company. His alternative takes 25 to 30 minutes and has nothing to do with market share.
Bill Malouf has sold Sydney prestige property for more than 30 years and is now at Highland Double Bay, alongside Sam Schuman. Recorded in a Sydney penthouse.
What you will learn:
- What he does in the first 25 minutes of a listing presentation instead of pitching
- How he handled a Saturday with nobody through, and why he rang the vendor 15 minutes later
- Why he says over quoting should cost an agent their licence, and how Fair Trading now checks
- The candle analogy he uses on his own sales team, and what it is really about
- The Point Piper sale that started at over 60 million and settled at 37
Chapters
00:00 Pick something you would still want to do in 40 years
00:33 Turning up with a book about your own company
03:34 Inside the apartment, and what makes a property unrepeatable
06:52 Knowing what you are good at, and what you are not
10:02 Partnership against franchise, and what an in-house back end changes
14:12 Is the franchise model dead
17:47 Property management as the engine, not the afterthought
20:02 Open book, cross selling, and the fastest way to kill a culture
22:29 Does the brand make the agent, or the agent make the brand
25:02 Coming out from under the radar after 37 years
28:15 Giving time to a 23 year old, and why it matters
30:05 The rot starts at the top
31:51 From 600,000 to 100 million in one office
34:52 Over quoting, and why he thinks it should cost you your licence
38:03 Pricing a property honestly when the vendor wants more
40:01 The Saturday nobody came through, and the phone call he made anyway
44:30 Who actually buys at this level, and what they are buying
45:04 Keeping the candle lit, and what COVID exposed
48:55 The vendor who said no auction, and the only team that listened
Bill Malouf wins on the vendor's numbers, not his own brochure. Property should be bought the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How to Actually Stop Burning Out - Lincoln Westerman #144
Lincoln Westerman's argument is that telling a burnt out person to make more calls is stacking demand on a system already at capacity, and that it always crumbles eventually. The only variable is when.Lincoln …
Shownotes
Lincoln Westerman's argument is that telling a burnt out person to make more calls is stacking demand on a system already at capacity, and that it always crumbles eventually. The only variable is when.
Lincoln Westerman coaches high performers on energy and nervous system regulation through his practice Mocha, working one to one with around 17 people at a time. He is a former real estate agent and a master practitioner in NLP.
What you will learn:
- Why he asks what a million dollar GCI goal will actually let you experience, and what happens when nobody can answer
- What a nervous system in survival mode does to sleep, temper and immunity
- The client whose entire reset was sunlight morning and evening and no phone after seven
- Why sacrifice originally meant to make sacred, and how that changes the question
- The phone health audit he runs before anything else, and what he asks about where it lives
Chapters
00:00 Stacking harder work on a system already at capacity
00:44 What will that goal actually let you experience
05:39 Seven schools, and what moving that much teaches you
07:02 What flow really is, and why living in it is dangerous
10:55 Too much in your head, or too much in your body
14:04 When did you last do something fun with nothing to do with work
20:14 The questions people never think to ask themselves
21:04 Following the thread: why, why, why
28:04 Rough handles and soft handles, and why he does not push
34:19 Seek to understand, not to destroy
35:05 A coach asks questions. A teacher gives instructions
39:02 How the nervous system actually works, in plain terms
45:01 The reset that was only sunlight and no phone after seven
53:01 Sacrifice means to make sacred
1:01:01 His own protocols, and the demand he is carrying right now
1:07:43 Phone health, and auditing where your phone actually lives
1:09:01 Intentionality, and not relying on how you feel
1:12:49 What the top operators are still trying to fix
1:18:01 Get the energy right and everything else gets easier
1:28:22 What you consume, and how you speak to yourself
Lincoln Westerman builds a system that doesn't rely on more effort. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
The Australian Dream Is Dead - Graeme Holm #143
Graeme Holm says the gap is going to get wider, and that most people arguing about it online will still be renting in ten years. He also explains the two interest rates on every loan document, and why the one …
Shownotes
Graeme Holm says the gap is going to get wider, and that most people arguing about it online will still be renting in ten years. He also explains the two interest rates on every loan document, and why the one the bank advertises is not the one you actually pay.
Graeme Holm is the founder of Infinity Group, one of Australia's largest independent finance broking businesses, and has been in lending for more than 25 years.
What you will learn:
- The difference between the advertised rate and the comparison rate, and why he argues the second one should legally be called the actual interest rate
- Why most borrowers never notice they are paying 8 to 12 thousand a year off principal while the rest goes to interest
- How to get a bank valuation before exchange, and what that does to the equity you can pull
- Why he will not take on the maintenance risk that comes with an older home
- The 24 month spending reset he tells people to run before they try to buy anything
Chapters
00:00 Why the disparity is going to get worse
04:35 One property or two, and what a 20 percent deposit actually buys
08:19 The 105 percent home loan, and who would take no deposit
12:21 Agents arriving with the suit and the car on finance
16:40 Whether the settings quietly help institutions in
20:17 Leaving Sydney and moving the money to southeast Queensland
23:47 Getting a good valuation, and when equity unlocks
27:17 Minimum repayments, and what sits behind the curtain
30:54 What a single income actually needs to borrow now
35:23 Parental guarantors and equity pledges
39:21 The comparison rate against your actual interest rate
43:07 The 200,000 sitting in a saver instead of an offset
46:55 Why he will not flaunt what he owns
51:07 What the room took away
54:38 Doing it for impact once you no longer need the money
58:17 What he sees coming out of the US
Graeme Holm knows which side of the gap he is on. Property should put you on the same side.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Graeme Holm:
◼️ Instagram - https://www.instagram.com/graeme_holm/
◼️ Infinity Group - https://www.instagram.com/infinitygroupau/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
How I Built A 200-Person Company With ZERO Systems - Graeme Holm #142
Every business coach says you fall to the level of your systems. Graeme Holm runs a 200 person business and says he does not run to systems at all, has no routine, and has tried three CEOs who all failed. His …
Shownotes
Every business coach says you fall to the level of your systems. Graeme Holm runs a 200 person business and says he does not run to systems at all, has no routine, and has tried three CEOs who all failed. His alternative is a general manager with skin in the game.
Graeme Holm is the founder of Infinity Group, one of Australia's largest independent finance broking businesses. This is his third appearance on the show.
What you will learn:
- Why he says hiring an incentivised general manager beats hiring a business coach, and the test he applies to any coach
- The operating expense buffer he asks every business owner about, and how few can answer
- Why he deliberately outsources accounting, legal and financial planning rather than bringing them in house
- Why three attempts at handing over the CEO role never worked in a private company
- The forecast that his industry would fall 30 to 50 percent, and what his business did instead
Chapters
00:00 Making the money does not make the problems go away
01:11 Running a 200 person business without systems
05:09 A theme park closed privately, and what the party is actually for
06:41 The couple who would not sell it back for what they paid plus a dollar
10:15 When to step back, and the risk of holding on too long
13:27 Three CEOs, and why none of them worked
16:43 What five years of a real partnership actually looks like
20:05 If the partnership fails, half of that is yours
23:16 Hire an incentivised general manager instead of a business coach
26:36 Who is smarter, you or the donkey
29:38 Why money is more taboo at a barbecue than health
33:15 The claim from the stage that started the partnership
36:41 Two jobs, sixty hour weeks, and the toasted sandwich
40:22 The Art of Thinking Clearly, and the chapter he rereads
43:42 A forecast of a 30 to 50 percent fall, and what happened instead
46:56 Partnering with people already on the ground
50:12 Fee for service instead of commission
53:17 Forty eight states, and the two he will not touch
56:30 Phase one in America, and dying wondering
1:00:31 Nine people in accounts, and software that could not keep up
Graeme Holm runs 200 people without a system, because the model carries itself. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Graeme Holm:
◼️ Instagram - https://www.instagram.com/graeme_holm/
◼️ Infinity Group - https://www.instagram.com/infinitygroupau/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
Australia Is At Breaking Point - Graeme Holm #141
Graeme Holm's figure: borrow 500,000 over 30 years and you pay back around 1.1 million. Stretch the term to 40 or 50 years and he puts it closer to 1.4. He calls that generational debt, and it is why he is now …
Shownotes
Graeme Holm's figure: borrow 500,000 over 30 years and you pay back around 1.1 million. Stretch the term to 40 or 50 years and he puts it closer to 1.4. He calls that generational debt, and it is why he is now looking at America.
Graeme Holm is the founder of Infinity Group and has spent 25 years in Australian lending.
What you will learn:
- What he says a 40 or 50 year mortgage costs a family over its life, in dollars
- Why he moved his kids' savings into the offset, and how earning 6 percent by not paying it beats 3 percent taxed
- How white label lending products work, and why volume let him build four of his own
- The questions he asks about a region before investing: industry, healthcare, education, sport
- Why most people lack the emotional patience the investment period actually requires
Chapters
00:00 Four big banks, and who owns what underneath them
10:12 Hampers, flowers, and the client who was made redundant
18:45 The A Current Affair story, and why good news does not run
23:27 Whether the people who make money end up giving more
29:39 The offset accounts 600,000 families were never linked to
34:18 Nobody calculates interest daily, and what a statement hides
39:21 Cars owned outright, redraw, and restructuring around it
44:53 Live examples: commercial buildings, redraws and offsets
49:45 Thirty properties, or one very large tenant
54:44 Why rentvesting breaks if you cannot wait seven to ten years
59:31 Why he never closes a loan he has paid off
1:05:19 Where a 100 percent return actually comes from
1:10:05 Gladstone, mining, and the risk in a single industry town
1:15:09 Being prepared to be hated
Graeme Holm makes the debt work for the borrower. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Graeme Holm:
◼️ Instagram - https://www.instagram.com/graeme_holm/
◼️ Infinity Group - https://www.instagram.com/infinitygroupau/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
From Housing Commission Kid to Millions in Real Estate - Graeme Holm #139
Graeme Holm bought his first home at 21 on a 97 percent loan with no lenders mortgage insurance, because he worked at the bank. He sold it two years later for ten thousand dollars more, and it went on to be …
Shownotes
Graeme Holm bought his first home at 21 on a 97 percent loan with no lenders mortgage insurance, because he worked at the bank. He sold it two years later for ten thousand dollars more, and it went on to be worth several times that. He calls it the most expensive lesson he ever had.
Graeme Holm is the founder of Infinity Group. He grew up in housing commission in Wollongong, raised by a single mother, and went from bank customer service representative to running three branches before leaving to start his own business.
What you will learn:
- The career path from customer service representative to bank branch manager, and what each step actually taught him about money
- Why he argues fear is simply not having enough information, and what to do about it first
- How the Division 7A loan trap works, and why he says the smartest way to take money out of a business is to pay the tax
- Why he will not buy in Sydney or Western Australia, and the supply argument behind it
- The cross securitisation mistake he says almost every upgrading family makes
Chapters
00:00 Told he would amount to nothing
03:57 Housing commission in Wollongong, and a childhood he will not soften
08:00 Soccer at nine, and the community that fed him
12:36 What he would tell his eighteen year old self
17:45 How to find people worth listening to when there are none around you
21:56 Playing full out at a seminar he did not want to attend
26:20 From customer service rep to running three branches
29:48 Fear is just not having enough information
33:26 Owning the ego, and the one bad marriage
36:59 What the fuel changes to once you are safe
40:34 The Division 7A trap, and why paying tax is the cheap option
44:21 What is actually in the portfolio
49:22 Two commercial properties, and why he is wary of the rest
52:59 Buying the building the business sits in
58:01 The rentvestors selling at a loss inside 24 months
1:01:27 Selling five a year, and the half that carries no tax
1:05:30 Cross securitisation, and the house people will not let go of
1:09:29 Teaching kids to give, and the Wishing Tree
1:14:31 Do more, give more
1:18:21 What he would ask the audience to go and do
Graeme Holm's first home did the work while he got on with life. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Follow Graeme Holm:
◼️ Instagram - https://www.instagram.com/graeme_holm/
◼️ Infinity Group - https://www.instagram.com/infinitygroupau/
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
The Agent Who Still Makes His Own 200 Calls a Week - James Tostevin #140
James Tostevin makes 200 prospecting calls a week and has never once let his team make them for him. His database runs to about 3,000 people, and he says the qualifying period before any of it pays is roughly …
Shownotes
James Tostevin makes 200 prospecting calls a week and has never once let his team make them for him. His database runs to about 3,000 people, and he says the qualifying period before any of it pays is roughly five years.
James Tostevin has sold Melbourne property for about 40 years at Marshall White, a network of nine offices and around 350 people. He says he has personally called more than 4,000 auctions.
What you will learn:
- Why he thinks 1,000 contacts is the minimum viable database, and how he spaces the calls
- The five year qualifying period, and where agents typically fall away at year one and year two
- Why he says most agents practise on real clients, and the three person drill he uses instead
- The auction that passed in at 2.47 million, and the 130,000 he negotiated afterwards
- Why he tells young agents to spend their Saturday afternoons at a competitor's open home
Chapters
00:00 Calls from nine until half four, and why the blocks matter
01:26 Where a new agent should actually start on the phone
05:25 Do they think of you when they think real estate
10:32 The fear of what it will cost, and what he offers instead
13:54 A database of 1,000, and why his is three times that
18:29 The divorce at ten, and where the competitiveness came from
20:02 Six kids, and the things he did not have growing up
22:00 Why most agents practise on real clients
27:40 Go and stand in your competitor's open home
30:03 Learning quickly instead of learning slowly
31:49 What a world class week actually looks like
34:51 Is the next generation soft, or just differently trained
39:27 Compartments, and how he switches it off
42:27 Being number one, and being surpassed
47:11 What actually separates the very top
50:28 Underquoting in Melbourne, and why agents keep doing it
53:45 Put the offer in even when you think it is too high
56:58 Working the buyer, and the 130,000 after it passed in
1:00:13 The training most offices never bother to do
James Tostevin has made his own 200 calls a week for 30 years and the database pays him back. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
From Broke at 35 to $600M in Sales - Matt Pillios #138
Matt Pillios lost his house, a bar and a phone dealership in his early thirties, then started residential real estate at 35 and spent 18 months just paying back his retainer. His advice to anyone in that hole …
Shownotes
Matt Pillios lost his house, a bar and a phone dealership in his early thirties, then started residential real estate at 35 and spent 18 months just paying back his retainer. His advice to anyone in that hole is unglamorous and specific: find someone further along, get sober, get fit.
Matt Pillios is a Melbourne bayside agent and a returning guest on the show.
What you will learn:
- What he actually did when a network outage took most of his clients and he lost the house
- The three steps he gives anyone in financial stress, in the order he says they have to happen
- Why he bought a villa in Bali in instalments and calls it a spiritual investment rather than a good one
- The evening routine that ends his day, from the 7:30 family dinner with no phones onwards
- Why he and his wife chose one income through the years the kids were small
Chapters
00:00 The first thing to do when you are in financial stress
01:18 Back on the show, and what has changed in a year
05:49 Burning the candle, and training for the energy the job needs
09:10 Seven to eight hours of sleep, whatever time the day starts
12:56 Building a team when you will not lower the work ethic bar
16:23 What keeps him up now, and what school fees really cost
18:21 The Bali villa, the instalments, and the friend who wanted out
20:11 Buying it without the cash, and the offer he made instead
23:42 Vitamin D, and working half days from Bali in the quiet season
27:20 Being a present father inside a real estate season
31:53 One income while the kids were small, and whether he would do it again
35:24 What he is trying to pass on to his son
36:42 A whiteboard, no leather chairs, and winning ugly
38:52 What he is learning now to keep up with wealthier clients
42:00 Growth mindset, and never losing the hungry stomach
45:11 Choosing your own hours, and the half day Sunday
49:10 What the next few years free up
52:58 What he wants to be looking back on at 80
Matt Pillios rebuilt from zero on process, not luck. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
The $74 Million House That Broke Melbourne's Record - Marcus Chiminello #137
In one week Marcus Chiminello sold a house for 74 million dollars, which he says beat the Melbourne record by 24 million, and another three days earlier for just over 80 million that nobody knew about until the …
Shownotes
In one week Marcus Chiminello sold a house for 74 million dollars, which he says beat the Melbourne record by 24 million, and another three days earlier for just over 80 million that nobody knew about until the buyer announced it himself. He also says he sat in his first twenty million dollar listing feeling like an impostor.
Marcus Chiminello sells prestige property in Melbourne and went out on his own during the global financial crisis. He says he has sold more than 130 properties above ten million dollars.
What you will learn:
- Why he never does appraisals, and what he tells young agents to do instead
- The 19.6 million dollar sale that came from a one bedroom apartment, and what won him the job
- How he vets buyers on a listing that drew more than 200 inspection requests
- Why "do better, not different" beats trying to stand out, and what he tells his son about it
- What actually changes when the seller is one of the wealthiest families in the country
Chapters
00:00 Everyone you deal with is stealing your time
01:04 What still has to change to reach the next level
04:12 When the career quietly becomes your identity
08:21 The buckets that went unfilled on the way up
11:25 Handling a problem that has nothing to do with real estate
14:56 Calluses, and the year that nearly broke him
18:30 What 130 sales above ten million teaches you about wealthy people
21:32 Why generalist agents never reach the top
24:49 Going out on his own in the GFC, and working to minimums
28:11 Half a degree of separation in Melbourne
31:31 Creating a slipstream for the people behind you
35:07 Learning a world you did not grow up in
38:10 Do better, not different
41:15 Everyone is different now, so nobody is
44:24 The 19.6 million sale, and the impostor in the lounge room
47:28 The week of the 74 million and the 80 million sales
51:11 Why he will not do an appraisal
54:17 Twelve hours on Instagram in a week
57:49 Answering his son's questions with questions
1:00:50 Peace with himself as the next level
Marcus Chiminello does his biggest deals where nobody is looking. Property should work the same way.
Most properties only make money if the market does. The ones that pay for themselves from the day you settle are bought differently, and it comes down to four points.
Get the free guide: https://go.bothsides.au/score
Bothsides:
◼️ The weekly email - https://bothsides.au
◼️ Bothsides Buyers Agency - https://www.bothsidesbuyersagency.com.au
◼️ Dan - https://www.instagram.com/daniel_beardall/
◼️ Watch on YouTube - https://www.youtube.com/@bothsidespodcast
General information only. Not financial, tax, legal or credit advice. Bothsides is not a mortgage broker or credit provider.
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