Property Investment Podcast Network

The SMSF lending crackdown has changed the game. But with rates on hold and commercial lending gaining attention, investors have new finance strategies to consider.
On The Smart Property Investment Show, Phil Tarrant is joined by Eva Loisance and Costa Arvanitopoulos from FinnI Mortgages to discuss how the Reserve Bank of Australia's (RBA) decision to hold the cash rate and the end of self-managed super fund (SMSF) lending are reshaping investors' financial strategies.
The trio examine the RBA's decision to hold the cash rate and the government's underestimated SMSF lending figures, exploring what both mean for mortgage holders, investors, developers and the broader property market.
With residential SMSF borrowing now off the table, the trio explore the growing shift towards commercial property and lease-doc lending, where a property's rental income can help underpin the lending assessment.
Tarrant, Loisance, and Arvanitopoulos also examine how these lending options could help investors with limited borrowing capacity but available equity, while weighing the risks before making a move.

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.

Interest-only or principal and interest? The choice could affect your repayments, borrowing power, and ability to buy your next property, with the "right" loan depending on the strategy behind your portfolio.
On The Property Nerds podcast, Arjun Paliwal from InvestorKit and Jack Fouracre from Fouracre Financial tackle one of the biggest finance decisions facing property investors: interest-only or principal and interest?
The pair compare the two types of loans, looking beyond the headline interest rate to the impact each option can have on cash flow, debt reduction, and portfolio growth.
They also examine borrowing capacity, including why some lenders treat interest-only debt differently and how the right loan structure could potentially give investors more room to acquire additional properties.
The conversation then turns to loan-to-value ratio (LVR), refinancing, and equity, including situations where paying down debt faster can strengthen an investor's position and when preserving cash flow may make more strategic sense.
Paliwal and Fouracre also explore the longer-term impact of inflation on debt and why investors need to consider their broader portfolio strategy rather than automatically choosing one loan structure over the other.

Having kids can change your borrowing power, your goals, and even your property strategy. This couple reveal how they balance building a portfolio with creating the life they actually want.
n The Smart Property Investment Show, Liam Garman sits down with property investors Jason and Jami-Lee Titus to discuss the realities of growing a portfolio while starting and raising a family.
The couple share why they regularly reset their financial and personal goals, and the difference between the properties they want to buy and the life those investments are actually designed to create.
They also discuss the pressure to keep up with friends, social media, and other investors, and why constantly comparing your progress to someone else's can push you towards goals that were never yours.
The conversation then turns to borrowing capacity and the financial reality of having children, including how a drop in household income can dramatically change what investors can borrow and how aggressively they can invest.
Jason and Jami-Lee also reveal how communication has helped them navigate competing priorities, from investment decisions to lifestyle goals, and why building a property portfolio shouldn't come at the expense of the life you're trying to build.

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.

Property, politics, and policy collided this week as government funding, SMSF changes, housing affordability, and market narratives fuelled fresh debate. But behind the headlines, what do these shifts actually mean for buyers, sellers, and investors?
On Property Buzz, Phil Tarrant and Liam Garman dive into the growing tension between politics, property, and public debate, exploring why housing remains one of Australia's most contested issues.
The pair discuss how market forecasts can often depend on who is delivering them, with selling agents, buyer's agents, and commentators frequently presenting different versions of the same data.
They also look at the impact of government policy on property, including the future of self-managed super fund (SMSF) investment, the shift towards commercial opportunities, and how changing rules could influence investor decisions.
The duo then explores builder incentives, immigration and housing demand, negative equity, and whether current policy settings are addressing the challenges facing the market.

Renovating can build equity – but it can also destroy your budget. From hidden costs to builder blowouts and expensive mistakes, here's what every property investor should know before picking up the hammer.
On The Smart Property Investment Show, Liam Garman and Emilie Lauer unpack the reality of renovating an investment property, using Emilie's own project as a case study.
The pair discuss the hidden costs that caught her by surprise, why quotes aren't always as straightforward as they seem, and the importance of planning for the unknown with a healthy contingency buffer.
They also explore how renovations can create manufactured equity in today's market, the decisions that can add long-term value, and why having the right renovation strategy is just as important as choosing the right property.
The conversation also shares practical lessons from the renovation process, including how to prepare before work starts, avoid costly oversights, and keep a project on track without losing sight of the bigger investment picture.
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.