Property Investment Podcast Network

• APRA shakes the lending tree: What investors must know

  In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Eva Loisance from Finni Mortgages to unpack new lending guidelines by the Australian Prudential Regulation Authority (APRA) and the concerns these sparked among property investors trying to scale their portfolios. Tarrant and Loisance begin by discussing the new debt-to-income restrictions, explaining how the cap on high-risk lending is designed to protect financial stability, while creating uncertainty for active and growth-focused investors. The duo then turns to the growing contradiction between tighter lending rules and government initiatives such as the 5 per cent deposit scheme and shared equity programs, which aim to fast-track first home buyers into the market. Loisance highlights criticism that these high-leverage schemes could place Australians into excessive debt, particularly if property values soften or economic conditions tighten. They wrap up by examining the pullback by major banks from trust and company lending, urging investors to stay informed, work with experienced brokers, and remain flexible as alternative lending options emerge. 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 [email protected] for more insights, or hear your voice on the show by recording a question below.

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• INSIDE COMMERCIAL PROPERTY: The legal edge in commercial property, no. 67

  In this episode of Inside Commercial Property, Phil Tarrant is joined by Sam Saad, managing director at Rethink Property Lawyers, for a detailed exploration of the legal frameworks that underpin successful commercial property transactions. This conversation breaks down the essential legal safeguards investors must establish before committing capital, from contract conditions and heads of agreement, through to lease analysis, outgoings, title searches and statutory compliance. Drawing on real transaction examples, Sam illustrates how specialist commercial property legal advice strengthens investor protection, prevents hidden risks from slipping through due diligence, and stops costly surprises emerging after settlement. This episode underscores the tangible value of tight clauses, accurate documentation and comprehensive legal reviews – all of which materially influence risk exposure, valuation and long-term cash flow.  Listeners will gain practical guidance on: Why commercial investors must engage a specialist property lawyer rather than relying solely on a conveyancer. How to structure heads of agreement and due diligence clauses to maximise flexibility and reduce exposure. The line between legal due diligence and commercial due diligence – and the distinct roles of a lawyer versus a buyer's agent. Key lease mechanics that influence returns: outgoings, make-good provisions, incentives, options, retail leasing legislation and cost allocation. The critical searches required before purchasing (title, PPSR, environmental, planning, notices, asbestos, cladding, flooding, and more). How to avoid common pitfalls with security deposits, bank guarantees and settlement handover to ensure legal protections hold up when needed. From interpreting complex lease packs to identifying gaps in recoverable outgoings and strengthening contract conditions, Sam explains how rigorous legal due diligence can protect hundreds of thousands of dollars over the life of a commercial asset. This is essential listening for any investor seeking to acquire commercial property with full clarity, robust protections and the right legal structures in place long before settlement.

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• Off-market properties: Hidden gems or investor traps?

  On a recent episode of The Smart Property Investment Show, host Phil Tarrant and Steve Ash, founder of Property Strats, explore the opportunities and pitfalls of off-market properties, unpacking myths and opportunities for savvy investors. They note that off-market properties, often seen as hidden gems, are not inherently cheaper and can sometimes represent struggling listings rather than bargains. The conversation highlights the importance of discerning judgment, as even numerous opportunities require careful evaluation to avoid poor investments. The duo emphasise constructing a resilient, "bulletproof" portfolio capable of withstanding market fluctuations and avoiding speculative traps, particularly in remote or volatile areas. Both experts stress the value of combining data-driven analysis with market intuition, encouraging investors to focus on areas with strong growth potential and real-time supply-demand insights. Ash advocates a contrarian approach, looking beyond conventional trends to uncover undervalued opportunities, while Tarrant urges reliance on credible resources and continuous learning. The discussion reinforces that successful investing relies on informed, strategic decision-making rather than chasing quick gains. 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 [email protected] for more insights, or hear your voice on the show by recording a question below.

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• THE PROPERTY NERDS: Unlocking $2m in borrowing power??

  In this episode of The Property Nerds, hosts Arjun Paliwal, Adrian Lee, and Jack Fouracre explore the complex financial roadblocks experienced investors face and how strategic planning can unlock new avenues for growth. The hosts start the conversation by reframing tax as a sign of financial progress, not a burden, by spotlighting a standout client case in which a maxed-out investor unlocked additional borrowing capacity by moving a commercial property into a self-managed super fund (SMSF). The shift freed up debt and transformed a stalled $3 million portfolio into one capable of adding a further $2 million commercial asset. The hosts also tackle the psychological hurdles many investors face, especially the reluctance to sell assets without understanding their true after-tax position. Another scenario reveals how transitioning from a large residential base into commercial assets can better support long-term passive income goals. They further highlight the limitations of relying solely on banks, arguing that brokers and strategic advisers can restructure portfolios through tools like trusts and SMSFs to unlock opportunities that traditional lending channels overlook.

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• Residential to commercial: The strategy that supercharges portfolios

  In the second part of the Smart Property Investment roundtable, Phil Tarrant speaks with InvestorKit's Arjun Paliwal and Chris Huxter to unpack the evolving landscape of Australia's commercial property market, regulatory shifts, and investment strategies. Paliwal explains how Macquarie Bank's halt on lending to trusts and companies is reshaping investor approaches, highlighting the importance of staying adaptable amid regulatory changes. He stresses that commercial property isn't just a step up from residential but a long-term strategy suited to life stage, business needs, and borrowing capacity. Huxter outlines his "three M's" framework: Market, Money, and Management, showing how careful selection and oversight mitigate risk. The trio also discusses the emergence of industrial properties as standout performers due to tight supply and strong demand, with retail expected to remain resilient in the years ahead. Office assets are flagged as high-risk, particularly in Melbourne, where vacancy rates are elevated, and tenant stability is uncertain. Themes of macroeconomic trends, industry shifts, market cycles, and tenant demand thread through the discussion, providing a lens for investors to make informed, strategic decisions. 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 [email protected] for more insights, or hear your voice on the show by recording a question below.

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