Property Investment Podcast Network

A 58-year-old investor with a $1.8 million home and five investment properties wanted lower repayments and as much cash as possible to invest again. His broker says the answer is doing it in three steps and looking at the whole portfolio rather than one loan at a time.
On this episode of Which Mortgage, Finni brokers Eva Loisance and Costa Arvanitopoulos are joined by Phil Tarrant, standing in as co-host, to unpack a real client scenario. "Bob" wanted lower repayments, more cash to invest and a debt-recycled home loan. Arvanitopoulos explains the three-step restructure that made it work, and why looking at the whole portfolio, not one loan at a time, was the key.
The trio dig into debt recycling: how paying off a home loan and borrowing against it for investing turns non-deductible debt into deductible debt, and why using offset cash to buy an investment property is a common mistake. Bob ended up with around $1.2 million ready to deploy.
They also unpack why many banks push cross-collateralisation, and how uncrossing properties can open up more options.
Then it's lenders of the week, including a sharp SMSF refinance rate and a bridging policy with no interest payments during the bridging period. Plus, what banks don't want you to know about lower servicing buffers.

Prestige vendors are being asked to accept millions less, forecasters are revising their predictions down, and the RBA is hinting that inflation is worse than expected ... but will rising yields be a silver lining? Phil Tarrant and Liam Garman unpack what it could mean for investors, first home buyers and anyone with a mortgage.
On this episode of Property Buzz, Phil Tarrant and Liam Garman look at a market where negative equity is spreading. They discuss a report that 20,000 Perth homes are now worth less than their owners paid and a Harbourside Sydney listing where the guide has reportedly slipped from a $28 million offer to $20 million-plus.
The pair then weigh up the forecasts, including JPMorgan's revised outlook and Coolabah Capital's warning that some pockets could fall by as much as 40 per cent. Garman explains why he doesn't agree with every call, and why falling prices could open up higher yields in blue-chip suburbs for long-term investors. Both urge listeners to do their own due diligence and be wary of spruikers.
Tarrant also challenges a report that investors are shifting to new builds, while the hosts discuss what proposed changes to trusts could mean for tradies and builders, and how rising interest costs and the pullback of SMSFs are adding pressure to developers.
Then it's on to rates and politics: hints of a Melbourne Cup rate rise, what is feeding inflation beyond the war in Iran, and One Nation's pledge to restore the capital gains tax discount for up to two investment properties. Garman argues investors should factor in every political outcome, with the hosts floating a tongue-in-cheek policy of one negatively geared property per child.
To get in involved, leave questions for Phil and Liam, or simply share videos or memes - join the Whatsapp group here.

Josh Crealy used to sell commercial property for a living. Now he says most investors are pivoting from residential too early, and he's put his money into Melbourne and western Sydney units instead.
On this episode of The Smart Property Investment Show, Liam Garman sits down with LEVR's Josh Crealy, a former commercial sales agent who has bought 15 Melbourne properties in the past 18 months, to ask where he'd put his money now and why.
Crealy says the 18.6-year land cycle points to Melbourne and Sydney leading the next recovery, with the smaller capitals having already had their run. He treats the cycle as a framework only, and explains why it must be overlaid with supply, demand and affordability.
Then he explains why he's wary of commercial property. From a Perth hair salon with a tenant who isn't paying to an off-the-plan warehouse with a rent-back guarantee that left its owner unable to sell for what they paid, Crealy shares the cautionary tales he's seen. He also outlines what to check in a lease, and why he believes better commercial buying opportunities could be 12 to 24 months away.
The pair also compare individual units with unit blocks, including how lenders classify larger blocks as commercial loans, what that means for loan-to-value ratios and borrowing power, and the checks Crealy runs before buying.
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A long lease isn't always a safe one, and a headline yield can hide months of vacancy. Victor Kumar says the investors who win in commercial are the ones who know exactly how to manage risk before they buy.
Commercial property carries more risk than residential, but not all of it is unavoidable. In part three of the Smart Property Investment Post-Budget Guide to Commercial Property Investing, Phil Tarrant and Victor Kumar of Right Property Group break down what can quietly destroy a commercial investment, and how to protect yourself.
Kumar explains why vacancy can run to months or even years rather than weeks, and why the yield is really the price you're paid for carrying risk. They also look at how to size up a tenant, from digging into the lease and the business behind it to checking whether a guarantee is backed by real cash or just a promise.
Then there's the fine print. The pair walk through the lease details that can make or break a deal, from "triple net" claims that don't hold up to who pays for fit-outs and make-good clauses, and why Kumar says using your usual residential solicitor on a commercial lease is like treating a fracture with a massage.
They also cover economic risk, structural shifts and property-specific traps, including asbestos roofs, contamination and zoning problems. Kumar shares a live example of how he restructured a lease to de-risk a $6 million purchase, and why every investment needs an exit plan.

From rat houses and meth houses to a property nicknamed "The Brothel", we've seen some seriously questionable properties turn into incredible investments. We have so many wild stories and bargain deals to share that one episode just wasn't enough. Part 2 is out now!

A trashed house bought for $550,000, now worth $950,000 – 72 per cent growth in just over two years. A desperate vendor slashing $100,000 off a deal after a buyer's finance fell through. Fully renovated properties snapped up at massive discounts in a slowing market.
 We're back with Hung Chuy from Strategic Brokers to share how we uncover bargains when others are sitting on the sidelines and why buying below market value can give investors a valuable buffer during a downturn.
 The deals get bigger. The stories get better.