In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, unpack the often-overlooked world of Lenders Mortgage Insurance (LMI) – and the surprising ways investors can avoid it altogether.

The trio demystifies LMI, typically required when buyers have less than a 20 per cent deposit, and reveals how select professions can borrow up to 95 per cent of a property’s value without paying a cent in LMI. From doctors and lawyers to pilots, train drivers, and even media personalities, a wide range of Australians could be eligible for these little-known waivers, potentially saving $12,000 to $20,000 on a $600,000 purchase.

But the conversation goes deeper. Adrian breaks down the opportunity cost of waiting to save a full deposit, showing how a two-year delay could cost investors $60,000 in capital growth. Instead, entering the market earlier, even with LMI, can fast-track wealth creation.

The episode also explores government-backed schemes for first home buyers, single parents, and guarantor loans that allow borrowers to access up to 107 per cent of the purchase price, covering costs like stamp duty and buyer’s agent fees.

Rounding out the episode is a discussion on trust structures, how they can preserve borrowing power, and create tax efficiencies for serious investors.

With expert guidance, strategic financing, and a clear understanding of LMI, Australian property buyers can sidestep unnecessary costs and accelerate their portfolio growth.

In a recent investor gathering organised by The Smart Property Investment Show, Arjun Paliwal from InvestorKit sat with Phil Tarrant to share his journey from CBA branch manager to successful property investor, offering sharp insights rooted in banking and data-driven strategy.

Arjun explained that his move into real estate was driven by curiosity and a strong belief in the power of data, reflected in his early success investing in Tasmania.

He described Australia’s $11.4 trillion property market as stable, noting that while investor sentiment fluctuates with interest rates, local supply and demand ultimately shape outcomes.

Arjun’s investment approach categorises markets into early adopters, hotspots, and second-wind zones, allowing investors to tailor their strategies to evolving conditions.

He also highlighted the rising use of self-managed super funds (SMSFs) for property investing, emphasising the need for careful planning and diversification.

Overall, Arjun stressed that blending data, strategy, and flexibility is key to thriving in today’s dynamic property market.

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In this episode of The Pure Property Podcast, co-hosts Phil Tarrant and Paul Glossop are joined by property expert Bryce Holdaway for a deep dive into Australia’s property investment landscape.

The conversation explores the evolution of the buyer’s agent industry, highlighting both its professional foundations and emerging risks, such as the rise of “finfluencers” promoting quick-win strategies.

Bryce, drawing on decades of experience, emphasises the importance of integrity, discipline, and long-term wealth creation over speculative gains.

He introduces his latest book, How to Retire on $3,000 a Week, which outlines a roadmap for building sustainable, income-generating portfolios over time.

Paul echoes the value of expert guidance, noting that successful investing depends on informed and realistic expectations, as well as a data-driven approach.

The trio then stress the role of a buyer’s agent as a trusted adviser, helping clients stay focused amid market noise.

They also address the challenge of managing client expectations, urging education and transparency about the realities of property investment, reinforcing that long-term strategy, expert support, and patience are essential to achieving financial independence through property.