Property Investment Podcast Network

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.

Investors may be wasting time and money on property tactics that no longer stack up, as rising costs and changing market conditions force a rethink of how to build wealth. Here is what they need to know to stay ahead.
On The Smart Property Investment Show, Liam Garman is joined by Jason Titus, director of Buyers Edge Property, to explore the difference between long-term investment strategy and the tactics needed to achieve it.
Drawing on more than 900 property transactions, Titus explains how rising construction costs, longer build times, and lending constraints have changed the numbers behind granny flats, duplexes, and small subdivisions.
The pair explore alternative portfolio strategies, including established Melbourne units with stronger rental yields and the importance of assessing each asset against broader financial goals rather than focusing on property type or portfolio size.
Titus also discusses Australia's varied market conditions, the risks of conflicting advice and the need to reassess investment plans as income, borrowing capacity, and lifestyle priorities change.

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 editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Commercial property can offer higher yields, but poor due diligence, risky leases, and long vacancies can turn an investment into a costly mistake.

On Property Buzz, Liam Garman and Phil Tarrant examine the risks facing residential investors moving into commercial property as Smart Property Investment launches a six-part guide to the sector, warning that commercial is not an easy next step.
The hosts discuss cases of poor advice, inadequate due diligence, and fake leases, highlighting the need for investors to understand the sector before committing their money.
Garman explains how higher yields can signal greater risk, with prolonged vacancies, complex lease terms, and unexpected repair bills eroding returns.
Tarrant raises concerns about investors buying commercial property through super funds without understanding the risks, while the pair stress the importance of financial buffers and experienced commercial specialists.

Building a property portfolio takes more than capital growth, with one investor keeping out-of-pocket holding costs to just $11,000 over five years while building a four-property portfolio.

On The Pure Property Podcast, Phil Tarrant and Aaron Findlay, senior buyer's agent at Pure Property Investment, speak with Jamie Kerr, a Central Coast wedding photographer who began investing just before the pandemic after receiving a property investment book for Christmas.
The couple bought properties across Perth and Brisbane, including one for $320,000 that later sold for $815,000, with proceeds from two Perth sales helping fund their $1.58 million family home on the Central Coast.
Kerr says the four properties cost around $11,000 out of pocket to hold over five years, with rising rents helping offset expenses as values increased, with Findlay breaking down the figures, including rental yields, acquisition costs, capital growth, and equity.
Now at their borrowing limit, the couple is considering selling another investment to reduce their home loan before potentially using equity to buy again.
The discussion explores how investors can balance portfolio growth, debt reduction, and family priorities while keeping their long-term financial goals in sight.

Commercial property can unlock a new path to wealth creation, but it comes with a different set of rules. Investors need larger buffers, deeper due diligence, and a clear understanding of the risks before making the move.
On The Smart Property Investment Show, Phil Tarrant and Victor Kumar launch the Post-Budget Guide to Commercial Property Investing, a new six-part series examining what investors need to know before making the move into commercial real estate.
In this first episode of the series, the pair unpack the factors that can make or break a commercial investment, from tenant quality and lease terms to asset selection, financing, valuation, and the broader business environment.
Kumar also challenges the idea that commercial property is simply the next rung on the investment ladder, stressing the importance of viewing it as part of a broader portfolio strategy. He warns investors against rushing into commercial property in response to recent budget changes or assuming a high yield automatically means strong cash flow.
Join the pair as they explore why investors need a seven-year-plus mindset, how seemingly attractive commercial deals can unravel, and the financial and strategic tests investors should pass before deciding whether commercial property belongs in their portfolio.


You can read more about whether commercial property is right for your portfolio with the Smart Property Investment guide - click here to access.