In a special episode of The Smart Property Investment Show, Phil Tarrant welcomes Bryce Holdaway and Ben Kingsley from The Property Couch podcast, sharing 20 years of collective property investment experience.

They discuss their latest book, How to Retire on $3,000 a Week, which offers practical strategies for achieving financial independence through real estate.

Bryce emphasises that residential property remains a reliable wealth-building tool for everyday Australians, while Phil calls it the “great Australian side hustle”.

Ben highlights the significant economic contribution of property investors, citing $33.1 billion in capital gains tax paid in 2022–23.

Bryce challenges negative stereotypes of investors, pointing to policy misalignments as the primary cause of housing affordability issues, and encourages new buyers to adopt disciplined, long-term approaches rather than chasing quick wins.

The trio lament the exclusion of seasoned investors from policy discussions, urging greater engagement with market experts, reinforcing that successful property investing requires knowledge, strategy, and patience to build lasting wealth.

To find out more about The Property Couch visit https://thepropertycouch.com.au/ and Empower Wealth visit https://empowerwealth.com.au/

To learn more about the book visit www.howtoretireon3k.com.au

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.

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.

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.

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.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by InvestorKit’s Arjun Paliwal to uncover five key traits that set successful property investors apart.

The duo highlights the importance of diversification across different asset types and locations to reduce risk and strengthen portfolios.

Rather than getting caught up in minor property details, top investors focus on developing and sticking to a solid overall strategy.

They also prioritise cash flow impact over rigid yield percentages, allowing them to seize a wider range of opportunities.

Acting decisively when ready, instead of waiting for perfect market conditions, is another hallmark of success.

Additionally, building a trusted team of professionals, such as agents and accountants, provides invaluable guidance and support.

Arjun stresses that these traits are relevant for investors at every stage, helping them build resilient, adaptable portfolios.

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.

Welcome to Pathway to Property, a podcast to help everyday Australians on their property investment journey through education, real-life stories, and firsthand investing experiences.

In this episode, co-hosts Atlas Property Group director Lachlan Vidler, and Luke Clifford, discuss how investors can treat their property portfolios like businesses to unlock greater returns and long-term success.

The duo begins by addressing the common pitfall of “set and forget” investing and emphasises the importance of adopting a strategic mindset with clear goals, regular performance reviews, and data-driven decision-making.

The conversation highlights three essential business principles for property success: cash flow is everything, performance requires metrics, and systems and teams enable scale.

By applying these principles, investors can identify underperforming assets, restructure portfolios for efficiency, and plan future growth more effectively.

Lachlan and Luke share the story of a client who restructured his portfolio after a strategic review, enabling him to scale up and move closer to his retirement goals.

They both recommend implementing smart systems, such as dashboards and regular financial check-ins, to stay organised and proactive.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit, and Jack Fouracre from Fouracre Financial, are joined by John Collignon from C2 Financial Group to unpack the potential legislative changes impacting SMSFs.

The group examines the Labor government’s proposed Division 296 tax, which targets super balances exceeding $3 million and has sparked controversy for taxing unrealised gains and adding complexity to fund management.

With the Senate's support still uncertain, political hurdles remain, as other parties may demand stricter measures such as lowering the threshold or banning SMSF borrowing.

These changes could deter smaller investors, reducing rental housing supply and concentrating super control in larger funds.

Despite misconceptions, SMSFs are now more accessible, thanks to lower fees and flexible strategies, making them suitable for informed investors who understand their responsibilities and seek professional guidance.

With expert support from firms like C2 Financial Group, SMSFs remain a viable option for Australians seeking control over their retirement savings despite evolving regulations.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to unpack equity access and debt recycling strategies for property investors.

The duo begins by clarifying equity as the difference between a property’s market value and its remaining mortgage, noting that up to 80 per cent of this equity can usually be accessed without triggering lender’s mortgage insurance.

Eva explains that accessible equity can then be strategically invested in income-generating properties, offering an alternative to relying solely on cash savings.

The conversation then shifts to debt recycling, a method of converting non-tax-deductible home loan debt into tax-deductible investment debt by refinancing and splitting the loans.

Phil and Eva stress the benefits of this approach over keeping money in an offset account, highlighting its potential tax advantages and ability to strengthen financial outcomes.

They also caution against cross-collateralisation, advising investors to keep property loans separate for greater control and reduced risk, with Eva emphasising the importance of financial planning and recommending maintaining a six-month emergency buffer to manage unforeseen costs.

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.