Property Investing Roadmap Podcast

With lending rules constantly evolving, many buyers and investors are left wondering whether they can still move forward — or whether finance is now off the table altogether.
In this episode of Property Investing Roadmap, host Damian Collins breaks down what’s really happening in the lending landscape and what today’s changes mean for borrowers looking to buy, invest or refinance.
Driven by a listener question around borrowing through trusts and companies, Damian is joined by Max Miorada, Senior Credit Advisor at Momentum Wealth and one of Australia’s top 1% mortgage brokers by volume.
With more than $112 million in loans settled last year alone, Max brings frontline insight into how lenders are currently assessing borrowers, how debt‑to‑income ratios are applied, and why structure matters more than ever in today’s market.
This episode strips back the media noise to explain how lending actually works behind the scenes — and how investors can position themselves to keep moving forward despite tighter conditions.
What you’ll learn:
How the lending landscape has changed over recent years
Whether borrowing through a trust or company is still possible
Why lenders assess trusts and companies differently to individuals
How negative gearing works — and why it’s often lost inside entities
The real impact entity lending can have on borrowing capacity
When trusts can make sense — and when they can block portfolio growth
The difference between tax efficiency and borrowing efficiency
Why structure should be decided before buying property
How debt‑to‑income (DTI) ratios are calculated by lenders
Why actual cash flow and bank serviceability often don’t align
Differences between major banks, non‑banks and private lenders
How interest rate buffers affect borrowing — even on fixed loans
The pros and cons of fixing versus staying variable
How offset accounts work and why investors should use them
How lenders assess self‑employed income
Why timing matters when changing employment status
What successful investors do differently when finance becomes tight
FREE RESOURCE
Confused by lending changes and borrowing limits?
Learn how Momentum Wealth helps investors structure debt, maximise borrowing capacity and navigate changing bank policies with confidence.
👉 Insert relevant guide or blog link here
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https://www.instagram.com/momentumwealth/ 
Website:
https://www.momentumwealth.com.au 
LinkedIn:
https://linkedin.com/company/momentum-wealth 
SUPPORT FOR INVESTORS
Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
 Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/
T&Cs
The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of Momentum Wealth Finance.

Buying property through a self‑managed super fund can be powerful — or disastrous — depending on how (and why) it’s done.
In this episode of Property Investing Roadmap, host Damian Collins unpacks one of the most complex and misunderstood strategies investors consider: holding property inside a self‑managed super fund (SMSF).
Guided by a listener question, Damian is joined by Katie Timms, National Director of Superannuation & SMSF Services at RSM Australia, to break down when this strategy works, when it doesn’t, and what investors must understand before taking the plunge.
With decades of experience advising SMSF clients across residential, commercial and fund‑based property, Katie explains the rules, risks, structures and compliance obligations that many investors only discover after it’s too late.
This episode cuts through the hype to explain how SMSFs really work, why mistakes are so costly, and how property can (or can’t) fit into a long‑term retirement strategy.
What you’ll learn:
What a self‑managed super fund is — and why control is both a benefit and a burden
The key pros and cons of investing through an SMSF
Why SMSFs are the most heavily regulated investment structure in Australia
Annual compliance, audit and valuation obligations investors must meet
The sole purpose test — and why holiday homes and personal use are strictly off‑limits
Why arm’s‑length terms, market rent and formal leases are critical
How limited recourse borrowing arrangements (LRBAs) work
The role of bare trusts and why structure must be set up before you buy
How SMSF rules differ for residential versus commercial property
Common (and costly) mistakes investors make with SMSFs
Why SMSFs are not “the next step” for everyone
FREE RESOURCE
Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth
FOLLOW US
Instagram:
https://www.instagram.com/momentumwealth/ 
Website:
https://www.momentumwealth.com.au 
LinkedIn:
https://linkedin.com/company/momentum-wealth 
SUPPORT FOR INVESTORS
Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
 Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/
T&Cs
The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guest is a representative of RSM Australia. References to SMSFs are general in nature and do not constitute personal financial advice.

Putting all your eggs in one basket can limit your growth — and expose your portfolio to unnecessary risk.

 In this episode of Property Investing Roadmap, host Damian Collins dives deep into property portfolio diversification and why owning the right mix of assets matters more than simply owning more properties.
Joined by Robin Ram, Department manager – Property Advisory, Acquisition & Research at Momentum Wealth, this conversation unpacks how investors can spread risk across locations, property types and market cycles to build portfolios that perform through different economic conditions.
From geographic diversification and dwelling selection, to navigating interstate investing, tenant legislation and even blending residential with commercial property, this episode provides a practical roadmap for investors at every stage — from first purchase to long‑term portfolio scaling and retirement planning.
What you’ll learn:
What diversification really means in a residential property portfolio
Why buying multiple properties in the same suburb or city increases risk
How geographic diversification can smooth growth across market cycles
The pros and cons of investing interstate
Key differences in tenancy laws, compliance and holding costs between states
How land tax, minimum standards and legislation can impact cash flow
Why property type diversification matters (land, houses, apartments, development sites)
How oversupply and investor-heavy suburbs affect rental performance
The importance of tenant demand, liveability and owner-occupier appeal
Common mistakes investors make when diversifying without proper research
Why “top 10 suburb” lists can be misleading
How to manage the risks of investing in locations you can’t physically visit
Practical tools to monitor and protect interstate investments
The role of landlord insurance and professional property management
When it may make sense to diversify into commercial property
Key differences between residential and commercial risk, return and vacancy
How commercial property funds can offer diversification at lower entry points
Why diversification strategies evolve as investors approach retirement
FREE RESOURCE
Want help building a diversified property portfolio aligned to your goals?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long‑term performance in mind.
Investor Pack - Momentum Wealth
FOLLOW US
Instagram:
https://www.instagram.com/momentumwealth/ 
Website:
https://www.momentumwealth.com.au 
LinkedIn:
https://linkedin.com/company/momentum-wealth 
SUPPORT FOR INVESTORS
Looking for professional guidance on diversification, interstate investing or blending residential with commercial property?
 Explore the tailored support available through Momentum Wealth and Westbridge Funds Management:
http://www.momentumwealth.com.au/
T&Cs
The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.
This episode’s guests are representatives of Momentum Wealth Property Advisory Pty Ltd, Licensed Real Estate and Business Agent A82976.

Host Damian Collins sits down with Brendon Ptolomey, Managing Director at Herron Todd White (WA/NT), to unpack property data in a way that’s practical, grounded and genuinely useful when making buying and investment decisions.
With more than 30 years’ experience in property valuation and market analysis, Brendan explains why different data providers report different numbers, what sits behind the statistics, and how buyers and investors should interpret the data without being misled by headlines.
Guided by listener questions, this episode explores individual property data versus broader market trends, valuation methodologies, growth figures, and why context is more important than any single metric when assessing value in today’s market.
What you’ll learn:
Why different property data providers report different median prices for the same market.
The difference between instant data, rolling medians and valuation-based models
Which property statistics matter most – and which ones are just noise
How to interpret suburb-level data when sales volumes are low
Why checking actual sale prices beats relying on agent talk or media headlines
How valuers assess land value versus building value
The different types of valuations and how banks decide which one you’ll receive
Why buyers should consider valuations earlier in the purchase process
 How to compare homes with different sizes, layouts, bedrooms and bathrooms
 The effect of location factors such as busy roads and secondary streets on value
 Common mistakes buyers and developers make when assessing feasibility
Why finish quality and design play a huge role in end property values
FREE RESOURCE
Want to learn how to build a professional property investment support team? Discover essential strategies for creating winning investment plans in Momentum Wealth’s free online guide, Property Finance Guide.
FOLLOW US
Instagram: @momentumwealth
Website: momentumwealth.com.au
LinkedIn: linkedin.com/in/momentum-wealth
SUPPORT FOR INVESTORS
Looking for expert guidance when interpreting property data, valuing assets or making strategic buying decisions? Discover the tailored support available through Momentum Wealth and Westbridge Funds Management at momentumwealth.com.au
T&Cs
The information shared on Property Investing Roadmap is general in nature and doesn’t take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest. This episode’s guests are representatives of Momentum Wealth Finance Pty Ltd. Australian Credit Licence 384632.

In Season 3, we’re answering all the questions you’ve always wanted to ask. Our listeners have helped to map out the season, sending through their burning property investment questions, and we’ve brought in the experts and real life client case studies to unpack them for you. 
From scaling your portfolio sustainably, how to best diversify, financial myths and how to understand property data, this is your roadmap to building an income from property for life. 
Coming soon.