Property Investing Roadmap Podcast

Technology is transforming almost every aspect of the property industry, from how investors analyse opportunities to how assets are managed and maintained. In this episode of Property Investing Roadmap, host Damian Collins is joined by Denis Leane, CFO at Cygnet West, to explore the growing role of proptech and artificial intelligence in real estate.
Prompted by a listener question about whether AI is genuinely changing the industry or simply the latest trend, Damian and Denis discuss how technology has enabled property investment to evolve over the past decade and where it’s likely headed next. They unpack the benefits of better data, automation and smarter systems, while highlighting why human expertise, local knowledge and professional judgment remain essential.
What you’ll learn:
How proptech has transformed property management, sales and investment analysis
Why access to real-time data is improving decision-making across the property sector
Why human judgment remains critical when valuing and investing in property
Why quality data is the foundation of effective AI and automation tools
How AI is likely to enhance property professionals rather than replace them
The opportunities and challenges investors should consider as technology continues to evolve
FREE RESOURCE
Looking to build a property portfolio backed by research, data and experienced advice?
Discover how Momentum Wealth helps investors design, acquire and manage property portfolios with long-term performance in mind.
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:
Keep up to date with the latest news at Momentum Wealth:
Instagram: https://www.instagram.com/momentumwealth/ 
Facebook: https://www.facebook.com/momentumwealth/ 
LinkedIn: https://linkedin.com/company/momentum-wealth 
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 Cygnet West. Any opinions expressed are those of the individuals involved and are provided for educational purposes only.

Sometimes the most valuable insights come from answering the questions investors are already asking. In this episode of Property Investing Roadmap, host Damian Collins is joined by a Momentum Wealth Property Advisory Manager:  Robin Ram to tackle a rapid-fire round of questions submitted by clients and listeners. 
From interest rates and market selection through to investment strategies, costs and portfolio structure, this episode unpacks the practical realities of building a property portfolio in today’s environment. 
They also break down the true costs of owning an investment property, the trade-offs between yield and growth, and how investors can avoid common mistakes when structuring their portfolio. 
What you’ll learn: 
Why market fundamentals and supply-demand dynamics matter more than short-term fluctuations 
How to approach investing across different cities and the role of diversification 
The key differences between buy and hold, renovation, development and flip strategies 
The upfront and ongoing costs of owning an investment property 
How to think about rental yield and the relationship between yield and risk 
Why high-yield opportunities may come with higher volatility 
The difference between buying fewer high-quality assets versus multiple lower-priced ones 
How to identify whether a property advisor or buyer’s agent is truly working in your best interest 
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: 
Keep up to date with the latest news at Momentum Wealth: 
Instagram: https://www.instagram.com/momentumwealth/ 
Facebook: https://www.facebook.com/momentumwealth/ 
LinkedIn: https://linkedin.com/company/momentum-wealth 
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.

When Numbers Aren’t Enough: Investing with Logic and Instinct
 
In this episode of Property Investing Roadmap, host Damian Collins is joined by Ara Salomone, Co-Director of State of Kin Design & Construction, to explore how personal values, emotion and lived experience can play a powerful role in building a successful property portfolio.
 
From designing award-winning homes in Perth to navigating her own investment journey, Ara shares how aligning investments with your beliefs — not just the numbers — can lead to better long-term outcomes.
 
Together, they unpack the reality of balancing financial strategy with intuition, the challenges of lending as a self-employed investor, and how stepping back can sometimes be the smartest move forward.
 
They also explore how Ara built a diversified portfolio across residential development and commercial syndicates, including her experience investing through Westbridge.
What you’ll learn:
Why removing emotion from investing isn’t always the right approach
How aligning investments with your values can improve decision-making
The importance of tailoring investment strategies — not using cookie-cutter models
How self-employment affects borrowing capacity and lending outcomes
Why stepping back and restructuring finances can unlock better opportunities
What to look for in a high-quality development site
The benefits of combining residential investing with commercial diversification
How property syndicates provide access to larger commercial assets
Why relationships and trust matter when choosing an investment partner
Key Takeaways:
A good investment isn’t just logical — it also needs to feel right
Short-term sacrifices may be necessary to achieve long-term goals
The best outcomes often come from balancing data with intuition
Investing is a long-term partnership — not a one-off transaction
Sometimes the smartest move is to pause and wait for the right opportunity
FREE RESOURCE
Want help building a property portfolio aligned to your goals and values?
 Discover how Momentum Wealth helps investors design, acquire and manage high-performing portfolios:
 https://www.momentumwealth.com.au/resources/investor-pack/
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 guidance on residential, development or commercial property investing?
 Explore tailored support 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 legal, tax and financial advice.

Estate planning is one of the most important — and most delayed — parts of building long‑term wealth.

 In this episode of Property Investing Roadmap, host Damian Collins explores how investors can protect what they’ve worked hard to build and ensure their wealth continues to benefit their family for generations to come.
Prompted by a listener question, Damian is joined by Jemma Sanderson, Head of Self‑Managed Superannuation Funds & Succession at Cooper Partners Financial Services, to unpack estate planning beyond “just having a will”.
With more than 25 years’ experience advising high‑net‑worth families, business owners and property investors, Gemma explains how estate planning intersects with superannuation, trusts, companies and property structures — and why misunderstanding control can lead to unintended (and sometimes devastating) outcomes.
This episode covers the practical realities of succession, control, incapacity and wealth transfer — and why estate planning is about clarity, not pessimism.
What you’ll learn:
Why estate planning is more than just writing a will
How estate planning fits into long‑term property and wealth strategies
The difference between asset ownership and asset control
Why trusts, companies and SMSFs don’t automatically pass through your will
What happens to superannuation when you die
Who can legally receive superannuation death benefits
How trustee discretion can lead to disputes
Why joint tenancy property bypasses your will
Why outdated wills often fail investors
What testamentary trusts are and how they work
Tax benefits of distributing income to minor beneficiaries
Asset protection advantages of testamentary trusts
Why advanced health directives reduce family conflict
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 legal, tax and financial advice.
This episode’s guest is a representative of Cooper Partners Financial Services.

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
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 Momentum Wealth Finance.